Disclaimer: Senior Citizens Inc. provides general information only and does not offer insurance, legal, or financial advice. For personalized assistance, please contact Georgia SHIP or your licensed insurance professional.

Insurance & Medicare:

Navigating Your Options with Confidence

Understanding Medicare and other insurance options can feel overwhelming — but you don’t have to face it alone. Whether you’re turning 65, helping a loved one, or reviewing your current coverage, getting clear, reliable information can make all the difference in protecting both your health and your finances.

At Senior Citizens Inc., we know that navigating the world of health insurance isn’t easy. Between comparing Medicare Advantage plans, understanding prescription coverage, and spotting potential scams, it’s easy to feel lost in the paperwork. That’s why knowing where to turn for clear, trustworthy guidance is so important. Fortunately, there’s a free and reliable resource available to all Georgians — Georgia SHIP, the State Health Insurance Assistance Program — ready to help you make sense of your options and feel confident in your decisions.

Understanding the Basics

Medicare is the federal health insurance program for people age 65 and older, as well as certain younger individuals with disabilities. It includes:

  • Part A (Hospital Insurance) – covers inpatient hospital stays, skilled nursing care, hospice, and some home health care.

  • Part B (Medical Insurance) – covers outpatient care, doctor visits, and preventive services.

  • Part C (Medicare Advantage) – private plans that bundle Parts A and B, often with prescription drug coverage and added benefits.

  • Part D (Prescription Drug Coverage) – helps cover the cost of medications.

Many older adults also have supplemental insurance (Medigap) or retiree coverage to help with out-of-pocket costs not covered by Medicare.

Getting Help: Georgia SHIP

If you live in Georgia, one of the best and most trusted resources for understanding your options is the Georgia State Health Insurance Assistance Program (Georgia SHIP).
This free, unbiased service helps Medicare beneficiaries and their families:

  • Compare and understand plans

  • Review coverage options and costs

  • Identify programs that may help lower premiums and drug costs

  • Avoid scams and fraudulent insurance practices

Georgia SHIP is not affiliated with any insurance company and provides confidential, one-on-one counseling through trained volunteers and staff.

Learn more or connect with a counselor at Georgia Ship or call 1-866-552-4464.

How Senior Citizens Inc. Can Help

While Senior Citizens Inc. does not provide insurance counseling directly, we work closely with trusted partners like Georgia SHIP to connect older adults and caregivers to accurate, up-to-date information.

Our staff can help guide you to the right resources — whether you need help finding a Medicare counselor, understanding long-term care options, or exploring programs that make aging in place more affordable.

Ready to Take the Next Step?

If you’re reviewing your coverage or planning ahead, now’s the perfect time to get clear, confident, and supported.

At Senior Citizens Inc., we’ve helped older adults in coastal Georgia navigate aging for more than six decades. If you’re unsure where to start—or need a warm handoff to trusted resources like Georgia SHIP—we’re here to help.

Call us at 912-236-0363 or fill out the form to below to learn about our programs, classes, and one-on-one guidance that empower you to make informed choices and age successfully.