Provides free insurance counseling for individuals age 60 and older and disabled persons over 18 and their families. VICAP, the Virginia Insurance and Counseling Assistance Program, helps them to understand Medicare, Medicaid and Long Term Care Insurance. Assistance in choosing a Medicare Supplement Insurance or Medigap policy is also provided. Counseling can be done by telephone or in person. The program can also assist eligible clients sorting through complicated medical bills and patients' rights issues such as grievances and appeals.