When it comes to figuring out medical coverage, sometimes you just need the ear of an expert.

That’s why we offer a free, unbiased health insurance counseling program called SHINE (which stands for Serving the Health Insurance Needs of Everyone). Through the SHINE program, certified counselors work with you as you navigate the requirements of Medicare, screen you to see if you may qualify for MassHealth and other public benefits, and help you select the plan that is best suited to your needs.

In person at one of our 20+ counseling locations around Mystic Valley and the North Shore or over the telephone, you and your SHINE counselor will review your existing medical coverage, compare potential insurance plans, and make sure that you aren’t paying for unnecessary or duplicate coverage.

It’s about helping you find what you need.

All counselors are trained and certified by the Massachusetts Executive Office of Elder Affairs. They have expertise in Medicare Parts A and B, Medigap insurance, Medicare Advantage plans, MassHealth, and State and Federal public benefits programs.

To make an appointment, please call your local senior center. You may also call the Regional SHINE office at Mystic Valley Elder Services in Malden at 781-388-4845. You will be asked to leave a message and a daytime phone number. A SHINE counselor will return your call within two business days.

To learn more about SHINE, Medicare and MassHealth options, please visit here.

Serving the Health Insurance Needs of Everyone

Could you use $144.60 a Month or $1,732 a Year in your pocket? 


On January 1, 2020 a new state law expanded the Medicare Savings Programs
(also known as “MassHealth Buy-In” Programs).

These programs will PAY your monthly Part B premium that is deducted from your social security benefit. In addition, you will be automatically enrolled in Extra Help from Social Security which will greatly reduce the costs of your Medicare Part D drug costs.

See If You Qualify

  • If your gross income and assets are at or below the amounts listed here, you may qualify for help from one of the Medicare Savings Programs
Income and Asset Limits Effective Jan-1-2020
Income /  Month Assets
Single $1,738 $15,720
Married $2,346 $23,600


  • For more information, contact your local Senior Center or Council on Aging to make an appointment with a SHINE counselor.
  • You can also call the Mystic Valley Elder Services SHINE Program at: 781-388-4845 to get a copy of the Medicare Savings Program application or to make an appointment.