What is SHIP?

The State Health Insurance Assistance Program (SHIP) provides free, local, in-depth and objective insurance counseling and assistance to Medicare-eligible individuals, their families and caregivers.

SHIP is a statewide program administered by the New Jersey Department of Human Services with financial assistance through a grant from the U.S. Administration for Community Living. 

How can SHIP help?

Turning 65 and unsure if you need to sign up for Medicare, how to do so and when?

Our SHIP counselors can guide you through the process and help you avoid making any expensive errors.

Worried about the out-of-pocket costs associated with Medicare?

Contact SHIP to find out about assistance programs you or your loved one might be eligible for.

Wondering what Parts of Medicare cover what and how much it might all cost?

Medicare can be complicated – contact us for answers.

Considering making coverage changes during Medicare’s Annual Election Period ?

Contact SHIP for local, one-on-one assistance with reviewing health or prescription drug plan options.

Uncertain of yours or your loved one's rights, under Medicare?

Contact SHIP for assistance.

Confused about who pays first, Medicare or another insurance?

Our SHIP counselors can explain how Medicare works with supplemental policies, retiree coverage, Medicaid and other insurances.

What does the New Jersey SHIP team do?

Watch this short video to find out what type of help we can offer

View Video


Many of our counselors are dedicated volunteers who undergo 6 days of training and regular updates to make sure they can answer your questions – why not hear from some of them yourself on this video Who are NJ SHIP Counselors?

Check out this simple guide to Understanding Your Medicare Choices

Follow these simple instructions on How to Create a MY Medicare Account

October 15th through December 7th

Programs to help with Medicare costs

If your monthly income is below $3,200 and you are single, or jointly $3,735 if you are married, you are likely eligible for assistance with prescriptions costs and more.

The SHIP team can help you in understanding the eligibility guidelines and in applying for these programs using the NJ Save application.

Find out more about NJ Save here: https://www.state.nj.us/humanservices/doas/services/njsave/

Contact us

Call or text us at 609-273-0588  |  Email: cforbes@chsofnj.org

Or complete the below registration to get connected with a SHIP counselor