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The following is according to the Allegheny County Dept. of Human Services:
"APPRISE is a free health insurance counseling program designed to help Pennsylvanians, age 60 years and older. APPRISE volunteer counselors are specially trained to answer consumer questions and offer education about Medicare, HMOs, long-term care insurance, supplemental insurance, and Medicaid benefits. APPRISE services are free, objective and completely confidential."
Apprise services are totally free and confidential and provides counselors to help with information on HMO, Medicare, Medicaid and all of your questions about the confusing Medigap and Medicare Parts A & B. They can help find government programs that will help with paying co-payments among many other issues.
You can call Apprise at 412-661-1438 or SeniorLine 412-350-5460