Medicare Counseling

Understand your Medicare choices

2026 open enrollment October 15th through December 7th

FSA’s Health Insurance Counseling and Advocacy Program (HICAP) offers free, unbiased information and counseling about Medicare. A certified counselor can help you understand coverage choices and find answers to your questions.

How HICAP can help

  • Understand Medicare coverage and benefits.
  • Compare Medicare Advantage and supplemental insurance options.
  • Review prescription drug plan choices and learn about help with prescription costs.
  • Identify the most cost-effective Prescription Drug Plans.
  • Learn about help available to pay for prescriptions.
  • Get guidance on Medicare or Medicare Advantage appeals and billing questions.
  • Understand long-term care insurance options.

HICAP appointments are available in San Luis Obispo and Santa Barbara counties. For questions about HICAP, email hicap@fsacares.org. Please do not send Medicare numbers or medical details by email.

Request HICAP Appointment