Volume 10, Issue 12
December 2019


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


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]

Upcoming Events    

SHIIP and COAST 2019 Medicare Counseling

Date: December 18, 2019
Time: 9:00 a.m.- 12:00 p.m.
Location:Covington Senior Center
19404 N. 10th Street, Covington, LA

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

Get Covered Before the Deadline

We’re in the final days of Medicare Open Enrollment. It’s time to wrap up your review of available health plans and enroll by December 7, 2019. Remember, your health coverage will begin January 1, if you choose a plan by the deadline. If you still have questions, our senior health staff can assist you. Call 1-800-259-5300.

Open enrollment for healthcare through the marketplace ends December 15, 2019.  If you do not select coverage by the deadline, you will be unable to get healthcare coverage for 2020 unless you qualify for a Special Enrollment Period. Coverage for plans sold during open enrollment will start January 1, 2020.


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Know Your Options

It’s a good idea to add a review of your insurance coverage to your New Year’s to-do list. Here are a few life events that may require re-evaluating your coverage.

Have you rented an apartment?

Your landlord's insurance covers repairs to the building, but not your personal belongings. Make sure your possessions are protected against theft, fire and other events typically covered in a homeowner's policy, with renters insurance.

With all property insurance, it is a good idea to take photos or videos of your possessions. Creating a home inventory makes the process easier. Discuss valuable antiques, artwork or jewelry with your agent or company to determine proper coverage.

In addition to covering your belongings, renters insurance typically includes liability coverage in case someone is injured in your home.

Did you buy a house?

In addition to insuring your personal property, make sure you have enough insurance to rebuild your home should disaster strike. Standard homeowners insurance does not cover damage from floods or water coming up from the drains. While it is possible to purchase a rider for sewer backup, it will not cover you for flood. In order to protect against floods you need to purchase separate insurance for those disasters.

Have you remodeled your house?

If you have major improvements to your home, let your insurance company know. If as part of the renovation you purchased furniture, electronics, hot tub or pool let your insurance company know and add those items to your home inventory.

Do you have a teenage driver?

It is generally cheaper to add a teenager to the family auto policy than purchasing a separate policy.  Children with good grades and those who take driver's education courses are usually eligible for a discount. 


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Holiday Safety Tips

Don’t let a grinch ruin your Christmas. While you’re out shopping this holiday season, remember to lock your car doors. It only takes a minute to protect your valuables. Here are a few safety tips.

  • Lock your car doors and close the windows.
  • Park in a well-lit area.
  • Keep your valuables out of sight.
  • Never leave your vehicle’s engine running unattended.

Watch this video to learn more about avoiding auto theft.




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

P.O Box 94214

Baton Rouge, LA 70804-9214
[email protected]