Chapter 115 of the Massachusetts General Laws entitles Massachusetts Veterans and their spouses to reimbursement of their medical expenses if they meet certain income and resources guidelines.  If you are a veteran, widow or widower of a veteran with an income of $1980.00 or less and cash assets of less than $5,000, or if you are a married veteran or married to a veteran, and your combined income is less than $2,670 per month and combined cash assets are less than $9,800, then you may be eligible for these benefits.  This program is an entitlement in recognition of your service and not charity.  You may reimbursed for your Medicare Premium and all your other health insurance expenses.  If you meet these guidelines, contact your local city or town Veteran’s Service Officer and tell them you would like to submit a Chapter 115 application for benefits. 

If you have any questions regarding these benefits call our Regional Office at 508-422-9931.


option 3

The SHINE Program

60 North Bow Street, Milford, MA 01757, USA             1-800-243-4636, option 3


SHINE (Serving the Health Insurance Needs of Everyone) provides FREE unbiased health insurance counseling information and assistanceto Massachusetts residents with Medicare, their caregivers and those approaching Medicare eligibility.

​The region office is located at 60 North Bow Street in Milford, Massachusetts 01757. We provide services to more than over 60 cities and towns in Central Massachusetts. Statewide, there are more than 600 certified volunteer counselors trained to assist residents with Medicare.

​​SHINE is administered by the Massachusetts Office of Executive Affairs under a grant from the Administration for Community Living. The Central Region office partners with Council on Aging, Elder and Disability Service providers and other public and private community-based organizations.

The SHINE Program

Serving Central Massachusetts


​​​​Medicare y Usted

“Medicare y Usted” es un repaso de los partes de Medicare y como la programa SHINE se puede servirle.

"​Medicare and You” is a short Spanish language review that covers the different parts of Medicare and how the SHINE program can help individuals make educated decisions regarding their health insurance.
​Click here to view the video


​​Speak With A Counselor

All our counselors are trained and certified by the Massachusetts Executive Office of Elder Affairs and are available to speak with Medicare beneficiaries regarding their Medicare coverage options.These options include Medicare parts A & B, Medicare Advantage Plans (Part C), Medicare Prescription Drug Plans and Coverage ​(Part D) and Medicare Supplement Plans (Medigap). We will also review eligibility for Public Assistance programs such as Prescription Advantage, Extra Help from Social Security, MassHealth and other programs to assist beneficiaries with limited resources to pay for health care costs.


​​To find a local counselor in Central Massachusetts or a city or town near you click here or call
1-800-243-4636, option 3.​

Conselheiros que falam espanhol e ​Português disponível.


speak with a certified counselor


Copyright © 2014 Shine  |  All Rights Reserved

​​Medicare & More
SHINE has teamed with Milford TV ​to create an on-going series of live television broadcasts discussing Medicare & other topics. See our latest episode of Medicare & More on your local cable channel or ​
click here

Free Health insurance CounseliNG                           1-800-243-4636

People with Health Connector coverage nearing Medicare eligibility face many obligations – to enroll in Medicare in a timely way, to notify their Connector plan about their Medicare eligibility, and to cancel their Connector plan.  Despite these responsibilities, people with Connector plans receive no notice about their Medicare eligibility unless they are auto-enrolled in Medicare because they receive Social Security cash benefits. In addition, Connector enrollees receive no notification that their access to premium tax credits automatically terminates when they become Medicare eligible. 

These notification gaps put people in the Health Connector who are nearing Medicare eligibility at serious risk.  Honest enrollment mistakes can lead to lifetime premium penalties, gaps in coverage, disruptions in access to needed care, tax penalties and recovery, by the IRS resulting from the loss of premium tax credits and delayed Medicare enrollment.  To avoid these consequences, it is imperative that Health Connector members who are eligible for Medicare enroll in Medicare in a timely way, notify their Connector plan about their Medicare eligibility, and cancel their Connector plan. 
As always feel free to contact your local SHINE Regional Office at
​1-800-243-4636 #3 if you have any questions.

​​​Volunteer Opportunities
Like to help people? Do you like technical information? Have some spare time? If so you may be the perfect SHINE volunteer.

SHINE (Serving the Health Insurance Needs of Everyone) is funded by the Agency for Community Living and coordinated by the  Massachusetts Executive Office of Elder Affairs in partnership with the Friends of The Milford Senior Center.

Contact Us

From time to time, Medicare, Mass Health and your insurance providers send you notices regarding your coverage. These notices provide you with important information and in some cases include review forms that need your prompt attention. If you have any questions call us and we will attempt to explain the notice to you.

Recently Social Security may have sent you a notice regarding additional benefits you may receive based on your Social Security Benefit Check. If you receive additional income or your resources are higher you would not be eligible for these additional benefits. 

Also, if you receive insurance through the Health Connector, you may have received a letter regarding your eligibility for Medicare. This is IMPORTANT!! If you are eligible for Medicare you are no longer eligible for the Health Connector. If you do not to act promptly, your enrollment in Medicare could be delayed, you may be subject to a lifetime penalties and you will lose your Health Connector Subsidy, and  or be subject to significant IRS tax consequences. You will also be required to pay market premium for your connector plan.

If you have any questions about these notices or any notices  you  receive regarding your Health Insurance Coverage, feel free to give us a call at
1-800-243-4636 Option 3.