Insurance Options Ahead of Travel
The summer season is a popular time for travel and checking out your insurance options ahead of a vacation can keep your budget intact. There are several types of travel insurance, and it usually costs between 4% and 10% of a trip’s price. Here are a few:
Trip cancellation. It reimburses pre-paid travel expenses if you are prevented from taking your trip for a reason covered by your policy. It is typically included in every comprehensive policy.
Travel medical and major medical. The policy provides protection if you become ill or injured while traveling.
Baggage loss. Reimburses for loss of baggage or personal items.
If you decide to purchase a policy, read it thoroughly, ask about any coverage limitations or exclusions and pay attention to the fine print. Keep in mind that, travel insurance policies typically exclude epidemics and pandemics. Many homeowners insurance policies protect your possessions while you’re traveling.
Quick Facts: Getting Started With Medicare
The Louisiana Department of Insurance Senior Health Insurance Information Program (SHIIP) is available and ready to help you understand your Medicare options before you sign up. If you’re 65 years old, you may automatically get enrolled in Medicare without signing up. If you’re 65 years old but not receiving Social Security, you may have to sign up. These quick facts can help you begin to understand Medicare.
- Original Medicare includes Part A (Hospital) and Part B (Medical).
- Medicare Part C, also known as Medicare Advantage, includes Part A, Part B, and a prescription drug plan (Part D).
- Shop around and review health and drug plans that are available.
- Learn more about help that is available for Medicare costs, see if you qualify.
Our senior health staff can help you make coverage decisions and get the most out of your health care. If you have questions, call us at 800-259-5300.
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