Hawaii SHIP provides free, unbiased Medicare counseling to residents, caregivers, and retirees across Hawaii. In the Winter 2025 edition of Imua, discover updates from the Inflation Reduction Act including lower drug costs, a cap on out-of-pocket expenses, and new caregiver training benefits. Learn about the GUIDE dementia program, telehealth changes, and how you can join as a SHIPmate to support Hawaii’s kupuna. Navigate Medicare with local, trusted guidance.