The Health Insurance Counseling & Advocacy Program (HICAP)
By Jenna MacRae
The US Census estimates that 6.4 million seniors live in poverty throughout the United States. It can be difficult to make ends meet. The Health Insurance Counseling & Advocacy Program (HICAP) is a program of Elder Law & Advocacy that provides free, unbiased Medicare counseling to beneficiaries and their representatives. HICAP is increasing its efforts to assist low-income beneficiaries who struggle to afford their Medicare Part D costs and Medicare premiums.
Social Security’s Extra Help low-income subsidy (LIS) helps to reduce the Part D prescription drug plan costs by reducing the monthly premium, lowering co-payments and eliminating the “donut hole.” CMS estimates that 2 million people qualify for Social Security’s Extra Help Program and are not yet enrolled. Medicare Savings Programs help pay for the monthly Medicare Part A or Part B premiums and automatically qualify an individual for LIS.
Our goal is to inform Medicare beneficiaries of these programs and assist those who may qualify to apply. HICAP is scheduling individual appointments for beneficiaries. To schedule an individual appointment, call 800-434-0222 or 858-565-8772 (San Diego County), or 760-353-0223 (Imperial County).