Medicare can be a complicated system. A mistake when signing up could lead to lifelong penalties or coverage gaps, and people who lose their jobs after 65 have an extra layer of complexity. Every Medicare beneficiary can select a Medicare Part D or Medicare Advantage plan during open enrollment each year. The plan you choose could significantly impact your out-of-pocket expenses. Many low-income people aren’t aware that they are eligible for extra assistance to pay for Medicare drugs. You can appeal and fight back if your medication or care is denied. All of these complicated Medicare issues can be handled by your State Health Insurance Assistance Program or SHIP.