Gulf County's official, 100% free, unbiased Medicare, Medigap, Prescription Drug (Part D), and Senior Healthcare Cost-Savings Counseling network—administered by the Florida Department of Elder Affairs (DOEA) and the U.S. Administration for Community Living (ACL) State Health Insurance Assistance Program (SHIP) through Planning and Service Area 2 (PSA 2) regional agency Advantage Aging Solutions (Area Agency on Aging for North Florida, Inc., Florida Sunbiz 501(c)(3) Doc# 743340, Toll-Free PSA 2 SHINE Helpline 1-866-467-4624 / Florida Elder Helpline 1-800-963-5337). In Gulf County, state-certified, non-commissioned SHINE counselors provide one-on-one consultations and Open Enrollment workshops across four community hubs covering both South and North Gulf County: (1) the Gulf County Senior Citizens Association, Inc. (Florida Sunbiz 501(c)(3) Doc# 738086, FEI #59-1777183) Port St. Joe Senior Center at 120 Library Drive, Port St. Joe, FL 32456 ((850) 229-8466); (2) the Wewahitchka Senior Citizens Center at 314 North 3rd Street, Wewahitchka, FL 32465 ((850) 639-2605 / (850) 639-9910); (3) the Corinne Costin Gibson Memorial Public Library (Northwest Regional Library System) at 110 Library Drive, Port St. Joe, FL 32456 ((850) 229-8879); and (4) the Charles Whitehead Public Library at 314 North 2nd Street, Wewahitchka, FL 32465 ((850) 639-2419). Because rural Gulf County has limited in-network Medicare Advantage provider networks, SHINE counselors perform critical side-by-side comparisons between Original Medicare + Medigap Supplement policies (guaranteeing access to Ascension Sacred Heart Gulf in Port St. Joe, Panama City specialists, and Tallahassee hospitals) versus Medicare Advantage (Part C) plans, audit Part D drug formularies under the $2,000 federal out-of-pocket cap, and file applications for Florida Medicare Savings Programs (QMB, SLMB, QI-1—saving qualifying seniors $185+/month on Part B premiums) and Social Security Extra Help (Low-Income Subsidy / LIS).