The Medigap Helpline is a free, confidential counseling service for ALL Medicare beneficiaries, including disabled individuals and those age 65 and over. Insurance counselors at the Medigap Helpline can help with questions about various health insurance topics at no cost to the caller. There is NO connection with any insurance company and the Medigap Helpline Programs’ counselors do not endorse nor express any opinion as to the worth or value of any policy or insurance product. A counselor's purpose is to help beneficiaries understand their options so they may make their personal decisions based on their individual needs.