Medicare (HICAP) - Ways We Can Help
Health Insurance Counseling & Advocacy Program (HICAP) (209) 558-4540
This program provides free Medicare counseling to all people who have or will soon have Medicare
HICAP can help you:
- Understand your Medicare benefit coverage and limitations
- Compare Medicare advantage plans and Supplemental “Medi-Gap” Plans
- Apply for extra help paying for Medicare premiums and/ or prescription costs
- Understand how Medi-Cal works with Medicare- explain Share of cost & Spend down
- Explain how Medicare works with private or retirement plans, Veterans benefits, Tri-care
- File Appeals or challenge claim denials
- Explore long-term care options
HICAP services are free of charge.
HICAP counselors can answer questions by phone but often an individual face-to-face appointment is recommended. Appointments are available in Modesto, Turlock, Oakdale, and Patterson.
HICAP counselors are trained and registered by the California Department of Aging. They provide independent, unbiased information to help you understand your Medicare benefits and options.
HICAP volunteer counselors do not sell you any type of health care coverage. They do not endorse or recommend any specific plan or policy. Our goal is to help you make informed decisions about your Medicare options.
Open enrollment begins October 15th – December 7th this is when most Medicare recipients can make changes to their Health and /or prescription plans for the upcoming New Year.
Everyone should review their health insurance coverage annually to compare costs and benefits between plans.
HICAP offer free benefits review and comparisons appointments during open enrollment!
For further information or to schedule an appointment, call (209) 558-4540
Main Office Location: Open 8:00-4:30 p.m. (Monday thru Thursday by appointment)
Downey Professional Office Complex
121 Downey Ave Suite 101
Modesto, CA 95354
Once a month, appointments are also available at our satellite office locations: (Please call for appointment)
Hammon Senior Center - Last Friday of the month
1033 W Las Palmas Ave, Patterson, CA 95363
Turlock Library - Third Tuesday of the month
550 N Minaret Ave, Turlock, CA 95380
Gladys Lemons Senior Center - First Friday of the month
450 E A St, Oakdale, CA 95361