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Virginia Insurance Counseling & Assistance Program (VICAP)


The Virginia Insurance Counseling and Assistance Program (VICAP) is a free, unbiased, confidential counseling program that offers health insurance information, education, and assistance to seniors and adults with disabilities (and their families) in understanding Medicare and making decisions about prescription drug plans, Medicare Advantage Plans, Medicare supplemental insurance or long term care insurance. 

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  • Medicare is health insurance for people who are: 65 and older, under 65 with certain disabilities, and for all ages with severe kidney disease (permanent kidney failure that requires dialysis or a kidney transplant). This fact sheet provides basic details about Medicare.

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  • Ten questions to answer before purchasing your long-term care insurance policy.

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  • This is a booklet from the Centers for Medicare & Medicaid Services, Department of Health and Human Services, that describes the health care services and supplies that Medicare covers, and how to get those benefits through Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance). It includes the benefits you can get and when, how much Medicare pays for each service and how much you pay, and where to get your questions answered.

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  • Signing up for Medicare prescription drug coverage can be confusing. Learn when the annual sign-up period is, what information you need to sign-up, and how to join.

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  • Making sense of Medicare, Medigap, Prescription drug coverage and other medical insurance issues isn't easy. Fortunately, counselors from the Virginia Insurance Counseling and Assistance Program (VICAP) are available to help provide unbiased information for free. All assistance remains confidential. Find out more about this program for beneficiaries regardless of age and their families.

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