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Editorial: Review health coverage

Whether you receive Medicare or are part of a health plan administered by your employer, open enrollment periods are a good time to review coverage and see if there are ways to reduce your medical expenses.
The open enrollment period for Medicare runs through Dec. 7. In order to help residents navigate their options, the State health Insurance Assistance Program at the Carroll County Bureau of Aging and Disabilities is holding programs and offering personalized sit-down meetings to seniors.
Understanding the various plans and what they offer, as well as the costs involved with those plans, can ensure participants that they are getting the coverage that best suit their needs.
Plus, since many plans change in what they offer or what is covered, it is always a good idea to look at them annually to ensure, even if you are remaining with your current plan, that it will continue to meet your needs.
The same holds true for families enrolled in plans through their employer. Family situations change. Costs or coverage that might not have made sense financially in previous years may make sense now.
Events to help people navigate the Medicare system are planned Oct. 23 at the Westminster Senior and Community Center, Oct. 30 at the North Carroll Senior and Community Center, Nov. 6 at the South Carroll Senior and Community Center, Nov. 13 at the Taneytown Senior and Community Center and Nov. 19 at the Mount Airy Senior and Community Center. The events at each location run from 9 a.m. until 3 p.m.
Individual appointments also are available by calling the SHIP office, 410-386-3806.
For those who have health coverage through their employer, they should be getting information about open enrollment which details their options.

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