Medicare 101: Open Enrollment
The start of the month of October is a reminder Medicare Open Enrollment is just around the corner. Medicare beneficiaries can make changes to their existing coverage October 15- December 7. Now is the time to determine your coverage options and compare plans. Here are a few things to keep in mind when reviewing plans:
- Do you have health insurance from another source?
- Do you have any chronic conditions?
- Which doctors and hospitals do you use?
- Which prescriptions do you need and what pharmacies do you get them from?
If you’re new to Medicare, our Senior Health staff can help you understand each plan and narrow down your options, call us at 1-800-259-5300. Also, Senior Health Director Vicki Dufrene shares important Medicare updates on our Facebook Live Series, Leave it to Vicki. Like us on Facebook to watch the videos and get Medicare updates.
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Understanding Ridesharing
Ridesharing uses mobile technology to connect passengers to drivers. Consumers can text a number or download an app to their smartphones that allows them to request a ride. The services are provided by transportation network companies (TNCs). The two major TNC’s are Uber and Lyft. TNC’s allow drivers to use their personal vehicles to transport passengers and earn extra income.
If you drive for a Transportation Network Company (TNC) you will want to understand what coverages, if any, the company has in place that will cover your risk for liability, uninsured motorist coverage, medical payments, comprehensive, collision and any other coverages that are important to you. While the TNC should have coverage in place, you may also want to you have your own coverage. Most personal auto policies exclude coverage while you are carrying a passenger for hire. However, there are insurers who may offer additional coverage –usually for an additional premium—related to how much driving you do for the TNC. You will need to shop around for those insurers.
You will want to pay attention to the parameters of the TNC coverage. Some policies will cover the time while the TNC application is on, but no match has been made with a passenger. Other policies will also cover you while you are en route to the pick-up location. You can work with your agent to find the right policy and coverage levels for your needs.
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Have a Plan, Stay Safe
October is fire prevention month and a time to think about you and your loved one’s safety. Here are a few tips to get your preparedness plan started:
- Review the layout of your home.
- Locate smoke alarms in your home and change batteries if necessary.
- Designate a meeting plan outside your home where family members should meet in the event of an emergency.
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