Mystery Shopping Study Reveals Flaws in SHIP's Medicare Counseling Services

  • Apr 17, 2025

    The State Health Insurance Assistance Program (SHIP) was designed to offer free, unbiased information to Medicare beneficiaries about their coverage options, serving as a counter to agents and brokers who get paid to sell Medicare Advantage plans and other coverage. But a recent study published in JAMA Network Open revealed major gaps in the accuracy and completeness of information provided to seniors by SHIP, and the findings were particularly grim for Medicare-Medicaid dual eligibles. Those findings are especially timely as CMS Administrator Mehmet Oz, M.D., at his Senate confirmation hearing signaled an interest in reforming Medicare sales. Also, the Medicare Payment Advisory Commission recently discussed SHIP as a potential alternative to agents and brokers

    The study employed mystery shoppers to evaluate the quality of counseling sessions across 131 SHIP sites in 16 states. Shoppers either visited SHIP sites in person or contacted them via phone or video calls. Of the 306 mystery shopping encounters, nearly 40% were not completed, largely due to a lack of return calls from SHIP counselors, which researchers said could indicate capacity constraints. All of the in-person shops, meanwhile, were completed.

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    © 2025 MMIT
  • Carina Belles

    Carina has been covering public-sector health care since 2018. As a data reporter for Radar on Medicare Advantage, she creates infographics and data stories on issues impacting Medicare, Medicaid and Part D. She also develops AIS Health Daily, a free daily newsletter that showcases AIS’s strong reporting across our four publications and parent company Norstella’s suite of market access and data solutions. Prior to joining the editorial team, she managed Medicare and Medicaid data for the Directory of Health Plans, AIS’s industry-standard health coverage database. She graduated from Ohio University with a B.S. in Journalism.

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