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Do you have income other than social security? If so, your modified adjusted gross income as reported on your IRS tax return from 2 years ago is above a certain amount, you may pay more.
SHIP is a long term care insurance company.
Go see the SHIP volunteer (see Note) at your nearest senior center or like facility. No one online can answer this question without knowing what kind of plan you are talking about, what you get $700 for/from, and the answers to many other questions
(NOTE: SHIP goes by various other names such as SHINE, HICAP, and so forth depending on state.)