Health Insurance Counseling Advocacy Program


(209) 385-7550 or
Toll-free (800) 443-0222
Helping you understand Medicare and your insurance options in a purple oval


The Health Insurance Counseling and Advocacy Program (HICAP) provides free assistance with understanding Medicare and your health insurance options. HICAP offers objective information to help seniors make good decisions about their health care coverage through individual counseling and community education presentations throughout Merced County.


HICAP counseling services are provided by County staff and volunteers registered by the California Department of Aging. HICAP counselors act in good faith to provide their clients with unbiased information about the relative benefits of health insurance policies.


HICAP certified counselors assist Medicare beneficiaries of any age in understanding:
  • Medicare eligibility and rights
  • Supplemental Insurance billing
  • Claims notices
The counselors also:
  • Compare private medical supplement plans
  • Show how to organize medical bills
  • Explore long-term care options
  • Clarify the rights of a health care consumer
  • Explain Medicare claim denials
  • Explain prescription drug options

Learn More

To get more information, set up a counseling appointment, schedule a presentation, or sign up as a volunteer, please call HICAP at (209) 385-7550 or (800) 434-0222.  For our participants in the Los Banos or surrounding areas, please call (209) 385-7550 to schedule an appointment, as this is the only way to get these services.

SHIP State Health Insurance Assistance Programs
"HICAP is a member of the National State Health Insurance Assistance Program (SHIP) network."