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Health Insurance Counseling and Advocacy Program

Certified HICAP Counselors provide free, confidential, individual counseling including Medicare Counseling, Health Insurance Counseling, Long Term Care Insurance Counseling, and Medicare Fraud.

HICAP provides free information and counseling regarding Medicare Drug Plans including: Medicare Drug Coverage, Medicare Drug Plans for People with Medicare and Medi-Cal, Medicare Drug Plans and Retiree Plans and Extra Help to Cover Medicare Drug Plan Costs.

HICAP provides Speakers/Presentations and Publications for Medicare and Health Insurance education in the community.

HICAP information is objective. HICAP does not sell insurance or endorse any specific insurance company.

If you are looking for challenge, HICAP offers Volunteer Opportunities.

In Humboldt County Call (707) 444-3000
In Del Norte County Call (707) 464-7876
Or Call Toll Free 1-800-434-0222

Contact HICAP

Medicare Counseling


HICAP can provide you with information and help with Medicare including:

  • Information about what Medicare covers
  • Information about which providers accept Medicare
  • Information about Medicare Drug Coverage
  • Information about Medicare Advantage Plans
  • Help with Medicare billing problems
  • Help with the Medicare appeals process
  • Help with quality of care issues
  • Help with early hospital discharge reconsideration

More Medicare information
Official Medicare Website

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Health Insurance Counseling


HICAP can assist you with Medicare supplemental insurance questions regarding Medigap, Employer and Retiree plans, Military benefits, COBRA and MRMIP including:

  • Eligibility and enrollment rights
  • Insurance benefits
  • Insurance company information and sample rates

Standard Medigap Benefits Chart (110K)
Medigap Rate Guide 2007 (62K)
Insurance Company Financial Ratings

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Long Term Care Insurance Counseling


Medicare does not generally pay for long term care which includes Adult Day Care, Assisted Living and custodial care in a Skilled Nursing Facility. To cover these costs some people choose to purchase Long Term Care Insurance. HICAP provides objective counseling regarding Long Term Care Insurance including:

  • Types of Long Term Care plans available
  • Premium and coverage comparison
  • California Partnership plans
  • Comparison to Medi-Cal Long Term Care



Long Term Care Terms (PDF format)

California Department of Insurance Long Term Care Insurance

Insurance Company Financial Ratings

California Partnership for Long Term Care

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Medicare Fraud


HICAP participates in the Senior Medicare Patrol Project. You can contact HICAP or Senior Medicare Patrol Project if you suspect Medicare Fraud.

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Volunteer Opportunities


HICAP provides a challenging volunteer training and internship for Certification as a Registered Volunteer HICAP Counselor with the California Department of Aging. Volunteer opportunities include:

  • Counseling on a variety of insurance issues
  • Presentations to the community and community events
  • Meetings and trainings with other HICAP Counselors
  • Creating articles and outreach materials
  • Media interviews

Potential volunteers must submit an application. Contact the HICAP office for information on volunteer training.

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Speakers/Presentations


HICAP counselors are available to speak to groups on a variety of topics such as Medicare changes, Medicare Fraud and Medi-Gap. Contact the HICAP Office in your county for more information.

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Publications


Medicare and Insurance Publications

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Contact HICAP


Humboldt County

Program Manager: Anne Antoville
Program Coordinator: Robert Nelson, Lucy Ingrey
MMA Specialists: Bonnie MacGregor
Volunteer Media Coordinator: Yvonne Crandell
HICAP Counselors: Yvonne Crandell, Carol Golden, Michelle Guthrie, Eunice Noack, Linda Piehl, Maren Rose, Michele Swift.

Counseling Locations: Humboldt Senior Resource Center, McKinleyville Senior Center, Arcata Community Center, Fortuna Community Services, Healy Senior Center

Office Location:
Humboldt Senior Resource Center
1910 California Street
Eureka, CA 95501
Office Hours: 8:30-4:00 Monday-Friday
Appointments Available

Phone: (707) 444-3000 --- Toll Free: (800) 434-0222
Fax: (707) 442-0483
Email: hicap@A1AA.org

Del Norte County

HICAP Counselors: Martin Kelly, Beth Moore
Counseling Locations: Del Norte Info Center

Office Location:
Del Norte Info Center
1225 Marshall Street, Suite 22
Crescent City, CA 95531
Office Hours: Monday through Thursday 10am-4pm, closed for lunch 12pm-1pm
Appointments Available

Phone: (707) 464-7876 --- Toll Free: (800) 434-0222
Fax: (707) 464-7877
Email: dnhicap@A1AA.org

Click here to find HICAP offices in other counties.

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