SHIP Program

SHIP: Senior Health Insurance Program Medicare Counseling

Whether you are new to Medicare or not, Medicare and Social Security can be confusing. Oswego Senior Center’s certified SHIP counselors can help you navigate Medicare, Medicare Advantage and other benefit programs.

SHIP at IL Department on Aging: info on supplement plans, IL Part D, navigating, and more:

Medicare: Remember October 15-December 7 is the Open Enrollment Period for Part D (Drugs) Plans each year.  Every year Medicare recipients should check to see if their Part D Plan is the best plan for them.  Each year plans change, people often save money by switching plans that better cover their medications:

Medicare Savings Program:

There are three levels of help through the Medicare Savings Program administered through Medicaid, Illinois Department of Health and Human Services.

Medicare Savings Program eligibility criteria in 2017
Income limits Asset Limits Benefits
Single Couple Single Couple
QMB $1,025 $1,374 $7,390 $11,090 Pays Part A and B premiums, deductibles, & copays
SLMB $1,226 $1,644 $7,390 $11,090 Pays Part B premium
QI $1,377 $1,847 $7,390 $11,090 Pays Part B premium; must re-apply annually.

Apply here:  or go to the Department of Health and Human Services Local Office (DHS): 361 Old Indian Trail, Aurora; 630-844-7400

Full Medicaid:

Full Medicaid (AABD) is available for people age 65 and older. Sometimes if individuals are over the income limits, they are put on a Spenddown program, which is like a deductible that they have to meet monthly before Medicaid kicks in.

Qualifications: Individual monthly income limit: $1,005 (+25); Married couple monthly income limit: $1,353 (+25); Individual resource limit: $2,000; Married couple resource limit: $3,000.

Apply here: or go to DHS Local Office: 361 Old Indian Trail, Aurora; 630-844-7400

Social Security: Apply online for Social Security Retirement and Medicare, Social Security Disability, Supplemental Security, Extra Help for Medicare Part D:

Local Social Security Office
325 N Lake St.
Aurora, IL 60506

Extra Help (Prescription Drugs):

Extra Help, also known as Low Income Subsidy (LIS), through Social Security is a benefit program that helps Medicare Beneficiaries with prescription drug plan premiums, co-pays and annual deductibles.  To qualify: Your resources must be limited to $13,820 for an individual or $27,600 for a married couple living together. Resources include such things as bank accounts, stocks, and bonds. We do not count your home, car, or any life insurance policy as resources; and your annual income must be limited to $18,090 for an individual or $24,360 for a married couple living together. Apply online here:

Social Security Local Office: 1325 N Lake St, Aurora; 1-800-772-1213

Medicaid: Apply online for SNAP, Medicare Savings, full Medicaid, cash assistance:

Illinois Department of Human Services- Public Aid

DHS Family Community Resource Center in Cook County – Kane/Aurora (Kendall)

Family Community Resource Center
361 West Old Indian Trail
Aurora, IL 60506

Phone: (630) 844-7400
TTY: (866) 323-0616
Fax: (630) 844-7499

Hours: 8:30 a.m. – 5:00 p.m. Monday – Friday (except state holidays)