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Medicare Open Enrollment Closing Earlier
In 2011
The fall Open Enrollment Period dates end earlier this year. December 7, 2011 is the last day to enroll.
Is your health or drug plan leaving Medicare? Health and prescription drug plans can decide not to participate in Medicare for the coming year. Your plan should have sent you a letter before the start of the Open Enrollment Period indicating it decided to leave Medicare or stop providing coverage. If you are unsure about your Meidcare call Steve Webster today at 574.291.5510 or email him before December 7 at stevew@laveninsurance.com
How To Evaluate Your Inusrance Plans
Evaluating your insurance plans each year is a wise idea and a great way to survey benefits, add benefits or save money. There are many factors that determine the right insurance coverages for the various aspects of your personal and business life.
- Coverage should be based on real costs of any potential loss of an item up to its value at the close of the next year.
- Select a deductible you can afford in case of a loss or claim.
- Choose a plan premium to fit your current financial needs circumstances.
- Choose a plan with intervals to pay that would make your plan more comfortable for your budget.
- Look for discounts, increases in benefits or reduction of deductibles that apply for taking risk-management courses or for having no claims.
- Choose a plan that may give you greater discounts for undertaking other risk reducing activities in the future.
If you'd prefer to review your current plans with one of our professionally trained representatives, we'd be glad to assist you! Call us at 574.291.5510 or email us at info@insurancemichiana.com
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Check it out! The all-new InusranceMichiana.com offers more to you our customer.
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Don't see something you think we should have? Call us and let us know at 574.291.5510 or email us at info@insurancemichiana.com
Winter Driving: Minimize Your Risk Factors
Laven InsuranceMichiana.com has put together the following tips to help you stay safe and minimize the potential hazards posed by cold weather, winter storms and icy roads.
Laven InsuranceMichiana.com has put together the following tips to help you stay safe and minimize the potential hazards posed by cold weather, winter storms and icy roads.
- Keep your gas tank full during the winter months. Don't allow the gas to go below half a tank. Not only will this prevent damage from freezing, you'll avoid running out of gas if you're stuck during the dead of winter.
- Install snow tires or ensure your current tires have adequate treads.
- Having an adequate supply of windshield washing liquid is critical to wash away the mud and melted snow that can severely limit visibility.
- Prepare for an emergency. Keep blankets, flares, a sack of sand for traction, shovel, windshield scraper and brush, tool kit, towrope, booster cables and a flashlight with extra batteries in your trunk. You should also stock your car with material for survival, such as waterproof matches to melt snow for drinking water, a first aid kit, dry clothing and a brightly colored cloth (to tie to the antenna).
- Always keep your roadside assistance card (if you have one) handy in your auto.
- Always keep your insurance information handy in case of an accident, especially since law enforcement often will not attend minor accidents during heavier snowfalls or other adverse driving conditions.
Winter can be a beautiful time of year, enjoy it safely. For more information, please call us at 574.291.5510.
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