Free one-on-one counseling is available to seniors and, in most areas, people with disabilities, to answer questions like: How much insurance is too much? If something sounds like fraud, where can I go for help? What’s the best Medigap insurance plan? The program is called Health Insurance Counseling and Advocacy Program (HICAP) and is sponsored by the Centers for Medicare & Medicaid Services. In most states, it is usually run by the state Department on Aging or the state Insurance Commissioner’s office. If that fails, contact the Eldercare Locator hotline at 1-800-677-1116.
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