Medicare open enrollment brings important decisions for Louisiana seniors, especially as insurance companies change plans and prescription drug costs remain a concern. Ron Henderson of the Louisiana Department of Insurance joined Mornings With Brian Haldane to explain what beneficiaries should know before selecting their coverage.
Review Medicare Costs and Coverage Changes
Henderson highlighted changes to Medicare Advantage plans, including discontinued products and transitions that may move beneficiaries into different plans. He encouraged seniors to review their coverage carefully and confirm that their doctors, specialists and prescription medications remain covered.
Beneficiaries should also compare premiums, deductibles and out-of-pocket expenses before making decisions. Understanding prescription drug coverage is particularly important because medication costs can significantly affect a senior’s budget.
Medicare open enrollment runs from October 15 through December 7 each year, giving beneficiaries an opportunity to review their options for the upcoming coverage year.
Get Free, Unbiased Medicare Guidance
Choosing the right Medicare plan can feel overwhelming, but Louisiana seniors do not have to navigate the process alone.
Henderson encouraged residents to contact the Louisiana Department of Insurance for help comparing plans, understanding medical bills and addressing complaints. Through its State Health Insurance Assistance Program (SHIP), the department provides impartial guidance to help beneficiaries make informed decisions without pressure to purchase a particular product.
Seniors should prepare a list of their prescription medications and identify their preferred doctors before seeking assistance.
For help, call the Louisiana Department of Insurance at 1-800-259-5301.
Protect Your Medicare ID From Scammers
Henderson also warned about unsolicited calls from people attempting to sell insurance products or obtain personal information.
He stressed that seniors should never share their Medicare ID number with someone who contacts them unexpectedly. Criminals can misuse that number to access benefits or commit fraud.
Take Time to Make an Informed Decision
Reviewing coverage, comparing costs and seeking trusted guidance can help Louisiana seniors protect their health and finances. Henderson’s message was clear: understand your options, ask questions and safeguard your Medicare information.