 
It's October and we have many treats for you (no tricks). Thinking about insurance can be scary, but doesn't have to be. Instead of fearing insurance, think of it as a strategic investment in your financial future. Consider coverage for accidents, illnesses, natural disasters, or theft. Insurance may help when life throws you something scary or unexpected.
Treat yourself to reading about these topics:
While the Maryland Insurance Administration does not sell insurance and we cannot recommend a particular policy or insurance company, we do want to help you learn what types of coverage are available. Additionally, we are here to assist you if you have a complaint involving an insurer, an insurance producer, public adjuster or adviser.
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The Maryland Insurance Administration welcomes new Acting Commissioner Marie Grant, who joined the Administration on October 1.
Appointed by Governor Wes Moore, Grant will assume the permanent Commissioner role in 2025 pending confirmation by the Senate Executive Nominations Committee during the upcoming legislative session.
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We would like to remind consumers of post-disaster resources available on our website. We wish our friends in the South a safe and smooth recovery after the recent storms. Please remember to review your insurance policies regularly to make sure you have adequate coverage as your needs may change over time. We are happy to assist Maryland residents with any questions.
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Are all licensed drivers living in your home listed on your auto policy?
It is important that you notify your insurer of all licensed drivers living in your home (pets not included) to protect yourself in the event of an accident involving a driver that lives in your home, even if that individual has their own car and insurance policy. You need to check now or a claim could be denied.
Read our consumer advisory, click here.
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Teen driver?
National Teen Driver Safety Week is a great time to share information with teens about the importance of safe driving -- even being a passenger! We have resources specifically for Teen and Young Adult Drivers available on our website, click here.
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Get Your Mind IN the Gutter
It's that time of year! Remember to clean debris from your gutters and downspouts. Also, address missing shingles and remove overhanging tree limbs. For more preparedness tips, click here.
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Rising Costs
Have you considered how the rising costs of goods and services may impact your homeowners insurance coverage? It is important to review your insurance coverage to make sure it is adequate to meet your needs before you suffer a loss. Read this consumer advisory.
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Do you have Renters Insurance?
You can buy renters insurance at any time, not just when you first sign your lease. We encourage all Maryland renters to educate themselves about renters insurance and to consider purchasing a policy. Find out more by clicking here.
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Explore Your 2024 Health Plan Options
Open enrollment is coming November 1!
Check out 2025 plans and get an estimate today.
Learn more.
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Daylight Savings Time
With the end of daylight saving time on Sunday, Nov. 3, 2024, at 2 am (EDT), we're reminding Marylanders to check the batteries in their smoke detectors. Now is a good time to review your homeowners or renters insurance to ensure you have enough coverage in the event of a fire.
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Medicare Open Enrollment
Now is a great time to review your current Medicare coverage and think about what benefits matter to you for 2025. Medicare Open Enrollment for Medicare Advantage and Medicare Part D runs from October 15 - December 7. Create or log into your secure Medicare account and select “Compare Plan Details” to see how your costs and benefits may change next year if you stay in the same plan: medicare.gov
Need Help with Navigating Medicare?
SHIP is your local State Health Insurance
Assistance Program. SHIP provides unbiased
help to Medicare beneficiaries, their families, and
caregivers. Whether you are new to Medicare,
reviewing Medicare plan options, or have questions
on how to use your Medicare, SHIP can help and is free and confidential. Click here to locate your local SHIP office.
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Be Medi-Careful!
Every year, healthcare fraud, waste, abuse and error results in the loss of billions of senior and taxpayer dollars. You can help prevent Medicare fraud. For resources on how to prevent, detect, and report this crime, click here.
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Older Adult Resources
As an older adult, your insurance needs may change. That's why we created a resource page just for older adults. Click here.
For additional resources for older adults, visit the Maryland Department of Aging.
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The MIA is here to help and share resources. Mental health and substance use are common and often serious, but many people do recover with access to proper healthcare. You should treat your mental health as seriously as you treat your physical health. If you need help, but don’t know where to find it, this advisory may help you.
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Have an insurance issue or question?
We love it when our friends stop by to ask us about insurance - no costumes required! The Maryland Insurance Administration is eager to help you! MIA representatives are out and about in your communities and also available virtually. To find an event, visit our website.
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The Maryland Insurance Administration is hiring for all levels of experience. "We can be a state that rewards, celebrates and elevates a culture of service -- we must be," said Gov. Wes Moore. Come and join a great team with a strong culture of service! The Maryland Insurance Administration is hiring for all levels of experience.
Past Newsletters
To view all previously shared newsletters, click here.
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 Walktober
Walking - Maryland's official state exercise. Click here to learn more about walking and free resources to videos and upcoming walkinars.
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