Free, unbiased Medicare counseling
Medicare questions? We’re here to help.
Get clear, confidential guidance about Medicare coverage, enrollment, prescription drugs, and your rights—at no cost.
Serving nine Northern California counties · No sales · No fees
How we can help
Medicare guidance, made simpler.
Our trained counselors help you understand your choices and make informed decisions.
Medicare Rights & Benefits
Learn about Medicare rights, appeals, protections, and programs that may help with Medicare costs.
Prescription Drug Coverage
Review Medicare prescription drug coverage and learn how to compare plans based on your needs.
Medicare Counseling
Understand Medicare Parts A, B, C, and D, compare coverage options, and get answers to your Medicare questions.
About HICAP
Independent help. Informed choices.
HICAP stands for Health Insurance Counseling and Advocacy Program. We provide free, confidential, and unbiased information to people with Medicare, their families, and caregivers.
Whether you’re enrolling for the first time or reviewing existing coverage, we can help you understand your options and rights.
Learn about HICAPCommon questions
What can we help you understand?
- Original Medicare (Parts A and B)
- Medicare Advantage (Part C)
- Prescription Drug Coverage (Part D)
- Medigap supplement insurance
- Enrollment, benefits, and appeals
- Programs that may help with Medicare costs
Stay informed
Medicare news & announcements
Important updates and information from HICAP Services.
Check Your Medicare Plans NOW!
It is very important that Medicare recipients review their plan options every year. This is because plans can change from year to year or may even be discontinued, leaving you without providers.
Plans that are discontinued are referred to as “non-renewing” plans. Such plans send out notices beginning Oct. 15. If you have received notice that your plan will not be renewed, or if you are not happy with your current plan, HICAP can help you find a 2026 plan that will work for you.
HICAP Medicare Part D Clinic
HICAP will offer one clinic on Saturday, Dec. 5, to provide comparison services about 2027 Medicare Part D prescription drug plans. The clinic is offered live in-person and via Zoom.
Following are instructions to take part in the clinic:
- Saturday, Dec. 5, 10 a.m.
- You may attend in person at the HICAP office, located at 505 12th Street, Sacramento. Or you may attend online via Zoom by going to https://bit.ly/2026HICAPdropin
- RSVPs are appreciated but not required.
- We also provide a worksheet to request assistance.
- Go to https://www.hicapservices.net/part-d-help to fill out and/or download the worksheet.
Non-Renewing Plans in Our Area
The following plans are non-renewing in the counties indicated:
- Aetna Signature PPO in Sacramento and Yolo Counties
- Aetna Enhanced PPO in Sacramento and Yolo Counties
- Aetna Eagle Plus PPO in Sacramento and Yolo Counties
- Alignment MyChoice PPO in Placer, Sacramento, San Joaquin, and Yolo Counties
- Alignment Honor+ HMO in Placer, Sacramento, San Joaquin, and Yolo Counties
- Anthem Medicare Advantage HMO in Sacramento, San Joaquin, and Yolo Counties
- Anthem Prime HMO in Sacramento, San Joaquin, and Yolo Counties
- Central Health Classic Care III Plan HMO in Placer, Sacramento, San Joaquin, and Yolo Counties
- Central Health Valor Care HMO in Sacramento and San Joaquin Counties
- Wellcare Low Premium HMO in Yolo County
Medicare Part D plans are statewide. The following Part D plans are non-renewing for 2027:
- Aetna SilverScript Choice
- HealthSpring Extra Rx
What if Your Plan is Non-Renewing?
If you are a current member of a non-renewing plan, you have an extended period to make changes. If you want coverage to start Jan. 1, you have until Dec. 31 to enroll in a plan. Participants in non-renewing Medicare Advantage plans also have an opportunity to purchase a Medicare supplement policy with guaranteed issue.
It is possible to wait to enroll in a new plan. Participants in non-renewing plans actually have until Feb. 28, 2027, to enroll in another Medicare Advantage or Prescription Drug Plan. But, if you don’t enroll by Dec. 31, there will be a gap in your coverage.
MEDICARE EDUCATION
Upcoming Events & Workshops
Explore upcoming HICAP Medicare education events, presentations and community workshops.
2027 Part D Clinic
Time: 10:00
Location: 505 12th Street, Sacramento, CA 95814 and Zoom
Register / Learn More →Your local resource
Proudly serving Northern California.
Free Medicare counseling in El Dorado, Nevada, Placer, Sacramento, San Joaquin, Sierra, Sutter, Yolo, and Yuba counties.
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