Volume 11, Issue 10
October 2020


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Our monthly newsletter addresses consumer insurance topics as well as timely information on issues affecting senior citizens in Louisiana.

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To find out if Consumer Advocacy will be in your area or to request a speaker for your organization or group, call (225) 219-0619 or send an email to: [email protected]

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View Louisiana's Open Meetings Law on the legislative website by clicking here.

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Medicare Open Enrollment Tips

Checklist

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 Review plans to find one that fit you best.

 

 Sign up for your plan.

 

 See if you qualify for extra help with Medicare costs.

 

 

Medicare Open Enrollment runs October 15 through December 7. Health insurance is one of the most important decisions you will make for your health and finances. Our Senior Health Insurance Information Program (SHIIP) staff can help you to understand your options. Here are a few tips to help you navigate the open enrollment process.

Review the plans. It pays to shop around every year. As your health needs change you may find that a different plan is a better fit for you.

Sign up for your plan. When you decide to get your Medicare coverage, you might choose a Medicare Advantage Plan (Part C) and/or Medicare prescription drug plan (Part D).

See if you qualify for extra help. There are programs that can help people who are struggling pay for their prescriptions and health insurance premiums, deductibles, and coinsurance.

If you have questions call us at 1-800 259-5300.

 

FAQ’s

Is Medicare intended to pay 100% of Medical bills?

No. The purpose of Medicare is to help pay a portion of medical expenses. Medicare beneficiaries also pay a portion of their medical expenses, which includes deductibles, copayments, and services not covered by Medicare.

What is Medicare Part C?

Medicare Advantage, formerly known as Medicare + Choice, is available in many areas. People with Medicare Parts A and B can choose to receive all of their health care services through one of these provider organizations under Part C.

What is the Medicare Savings Program?

The Medicare Savings Program can help pay Medicare premiums and, in some cases, may also pay Part A and Part B deductibles, coinsurance and copayments. This program also helps people with Medicare who have limited income and resources. It is administered by the Louisiana Department of Health.

What is the Extra Help Program?

It is a Medicare Program to help people with limited income and resources to pay Medicare prescription drug costs. Benefits of qualifying for Extra Help include help paying the monthly Medicare drug plan (Part D) premium, yearly deductible and copayments. There is no coverage gap or late enrollment penalty for persons with Extra Help. The Social Security Administration processes and administers the Low Income Subsidy Program, also known as Extra Help.

What is a Medicare Supplement Policy (Medigap)?

A Medigap policy is private insurance that helps pay for health care costs that Original Medicare doesn’t cover, such as copayments, coinsurance and deductibles.

 


 

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Office of Consumer Advocacy
(225) 219-0619 or (800) 259-5300

P.O Box 94214
www.ldi.la.gov

Baton Rouge, LA 70804-9214
cons[email protected]