Q: Is there some sort of really helpful program for seniors that I should be aware of?

A: Sadly, many seniors aren't aware of the various programs that can help them through the health insurance process. There is however, a certain program known as State Health Insurance Advisory Program (SHIP) that you can find in all 50 states. Here are some of the things that this program will help seniors with:

• Assistance with choosing a Medicare health plan
• A forum for comments about treatments and care
• Explanation of the rights and medication of Medicare
• Help with denied payments and appeals
• Advice about long-term care insurance
• Advice about purchasing a Medicare supplement policy, which is also known as Medigap
• Assistance with bills