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Health Insurance Information, Counseling, and Assistance Program (HIICAP)

Insurance agentHIICAP is the Health Insurance Information, Counseling and Assistance Program. HIICAP provides you and your loved ones with information and counseling about Medicare and other health insurances. Trained staff and counselors will answer your questions. Each month the HIICAP column will feature a new topic to help keep you informed about Medicare.

HIICAP can help you:

· Understand the Medicare prescription drug benefit

· (Medicare Part D) and how to select the best plan

· Understand and apply for low-income subsidy programs, including Extra Help and Medicare Savings Programs (MSPs), and Medicaid

· Find ways to pay for your medications or medical equipment

· Understand and apply for the EPIC Program

· Choose between original Medicare and Medicare Advantage plans including health maintenance organizations (HMOs), preferred provider organizations (PPOs), private fee-for-service (PFFS), and special needs plans (SNP’s)

· Understand Medicare rules and your medical bills

· Report possible Medicare fraud or abuse

· Provide information on how to appeal a decision by Medicare, your managed care provider or other health insurance company

· Discover ways to fill in Medicare’s gaps

· Learn how to file a Medicare or Medigap complaint

· Learn about Medicare covered prevention and screening that can identify health problems

· Explore long term care services like paying for nursing home care or understanding long-term care insurance

The services provided by HIICAP are unbiased. The answer to your questions is a phone call away! Call HIICAP at 438-3030.

Niagara County Office for the Aging and NY Connects Presents FREE Informational and Enrollment Sessions, click on the links for more information.

Need help paying for Medicare and Medicare Part D?  April, May and June classes

Learn about Medicare - April, May and June classes


Beware of scams involving FREE at-home Covid-19 test kits

Fall 2021 HIICAP News


Summer 2021 HIICAP - Medicare Appeals

2021 HIICAP - Low Income Subsidy

2021 HIICAP Medicare Reminders


Spring 2021 HIICAP News

Winter - January 2021 HIICAP News


2020 Fall Open Enrollment News


You may be eligible to get help paying your Medicare premiums and you may also get help paying for Medicare Part A and Part B deductibles, coinsurance and copayments.  Click on the link below for more information:

Medicare Savings Program

2020 MSP Info

New York StateWide Senior Action Council, Inc. now has the grant for Medicare Fraud education.  Click on the link below for more information:

NY StateWide Senior Action


Click on the link below for the HIICAP  news:

HIICAP September 2021 News

HIICAP News 2020

HIICAP News Winter Reminders 2019

HIICAP News Winter 2019

HIICAP News Winter 2018

HIICAP News Summer 2018

The Health Insurance Information Counseling and Assistance Program
needs volunteer counselors to help people understand health insurance options and long term care insurance options.
Training and certification is provided. Make your own hours at a senior center near you.
Call 438-4023 for more information.


The Office for the Aging is funded by the New York State Office for the Aging with Older Americans Act and New York State funds, and by Niagara County.

Contributions are welcomed and are used to enhance our programs. Suggested Contributions