My Free Medicare Counseling


Do you need help with Medicare?

You may be qualified to get help paying for your Medicare Part D premium and/or your Medicare Part B premium, through special programs, depending on your income. We are here to help you. Just call the number below and someone will be happy answer any questions you may have

1 (866) 758-2386


VICAP Network

The Virginia Insurance Counseling and Assistance Program (VICAP) is part of a national network of programs that offers FREE, unbiased, confidential counseling and assistance for people with Medicare.

Counseling topics include: Medicare, Medicare Part D, Medicare Advantage Plans, Medigap and long-term care insurance. Counselors can also help with health care appeals, denials and identifying those eligible for low-income subsidies. VICAP counselors are not licensed to sell insurance. Counselors are trained and certified to help you understand and compare benefits, assist with filing for benefits based on income and resources, and inform you of your rights.

VICAP counselors can help all Medicare beneficiaries, including those with disabilities and younger than 65, explore options that best meet their needs. Counselors will help you compare the quality of care and services given by health and prescription drug plans available in your area.

VICAP counselors can help you file for medical benefits, low-income subsidies, health care appeals and grievances. Working with you, counselors are able to help you resolve health care issues and assist you in understanding complex medical bills.

Working collaboratively with the Senior Medicare Patrol, VICAP counselors will help educate and empower beneficiaries to take an active role in detecting and preventing health care fraud and abuse.

Help with Payments

If you have a limited income and resources Medicare beneficiaries may be eligible for up to $5,100 in help with payments per year. Resources don’t include your home, car, household items, burial plot or life insurance policies. Call VICAP at Bay Aging and get free counseling.

Ways to Save

Through the Extra Help Program and the Medicare Savings Program, you may qualify to get help paying for your Medicare Part D premium and/or your Medicare Part B premium.

Annual Wellness Visits

An Annual Wellness Visit is free to Medicare beneficiaries beginning 12 months after you receive your “Welcome to Medicare” physical exam.

Bay Aging is the premier provider of programs and services for people of all ages. Formed in 1978, Bay Aging serves a predominately rural 2,600 square mile region that encompasses ten counties and two planning districts. As you will see, Bay Aging is extremely diverse in the programs it offers through three major divisions-Community Living, Bay Transit, and Bay Family Housing.

We serve the following counties:

In the Middle Peninsula:

Essex, Gloucester, King and Queen, King William, Mathews and Middlesex Counties

In the Northern Neck:

Lancaster, Northumberland, Richmond and Westmoreland Counties

Extended Areas of Service:

New Kent & Charles City (Bay Transit only) 804-966-7650 (Office)

James City – Senior Apartments: 757-345-0896 (office) 757-345-2367 (Fax)

The Virginia Senior Medicare Patrol’s (SMP) mission is to empower and assist Medicare beneficiaries, their families, and caregivers to prevent, detect, and report health care fraud, errors, and abuse through outreach, counseling, and education.  The Virginia SMP works with local AAA’s and volunteers to provide information, conduct educational presentations and attend events to share information with the public.

Fraud Hotline: 1-800-938-8885

SMP Website:

Contact Us

If you have questions about Medicare or related topics give us a call at  (866) 758-2386 or e-mail us at

Urbanna Headquarters:

5306 Old Virginia Street
P.O. Box 610
Urbanna, Virginia 23175

Words from Customers

“Dear Lisa and co-workers,

I want to take just a minute to thank you for the work you do! It probably seems pretty mundane in the run of a day as you do these things day after day (especially this time of the year!)

You were courteous on the phone and sent forms out to me immediately. You didn’t sound a bit like, “Oh Lord, here comes someone else that doesn’t know a thing about insurance!” I thank you for your pleasantries. I am fortunate my daughter was able to sit with me and help me make a knowledgeable decision. I can’t believe how much money I over spent for my health care coverage last year! I’ll be knocking on your door again next year when it is again time to consider my health care coverage.

Again, I sincerely thank you.”