My experience has been that 'SHIPS' can be either really helpful or not. Depends on the state and the resources it puts into this program. But it is a good first effort.

There are many programs for help with medical assistance if your income is below certain thresholds. Medicaid would likely be the most helpful but there are also other income-based programs available for Medicare enrollees. But you have to learn about them.

The place I would go to for counseling assistance if I became stymied is the Medicare Rights Center 800-333-4114, which does not charge a fee like a private advocacy business. Best of luck.