The SHINE (Serving the Health Insurance Needs of Everyone) Program provides free health insurance information and counseling to all Massachusetts residents with Medicare and their caregivers. People who have Medicare or who are about to become eligible for Medicare can meet with a counselor to learn about benefits and options available. A counselor will review programs that help people with limited income to pay health care costs. To find a local SHINE counselor and schedule an appointment, call MassOptions at 1-800-243-4636, or. TTY/ASCll (800) 439-2370.