Assisting New Jersey Medicare beneficiaries, the State Health Insurance Assistance Program (SHIP) offers free help for those with health insurance concerns. Trained volunteer counselors provide information, aid with claims, and guide individuals in evaluating health insurance options. For newcomers to Medicare or those enrolling soon, SHIP counselors offer guidance on options, resources, and help in selecting the most suitable plan based on medical and financial status. During open enrollment (October 15 to December 7), counselors ensure existing coverage aligns with individuals' needs and is the best value. Counseling is free, and volunteers do not sell or endorse specific insurance products, providing information for informed decision-making.