SHINE Program Aids Cape Cod Residents with Medicare Enrollment and Savings
The SHINE Program assists approximately 6,000 Cape Cod residents annually with Medicare enrollment and plan selection, resulting in significant savings—over $350,000 in 2024, averaging $2,200 per participant. The program focuses on educating individuals approaching Medicare eligibility (age 65) on critical enrollment periods, coverage options, and avoiding penalties.
Medicare initial enrollment should begin three months before turning 65 during the Initial Enrollment Period (IEP). Late enrollment consequences are mitigated during the General Enrollment Period (GEP), and various enrollment opportunities exist for Medicare Advantage plans and special circumstances. Additionally, open enrollment and special enrollment periods offer chances to review or change Medicare plans.
SHINE counselors provide personalized guidance to navigate complex Medicare benefits, supporting residents in Cape Cod and the Islands through tailored insurance decisions and maximizing health insurance benefits.