We have all been bombarded lately with TV ads and mailed circulars the last month or so touting various plans and companies to choose from during the Annual Open Enrollment Period for Medicare. Just what is Open Enrollment and who should utilize it? This is the only time of the year people are allowed to change barring a special circumstance prescription plans.
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There are many reasons to take this opportunity to review your current coverage. One is that the plans themselves change from year to year. Premiums go up, deductibles get higher, and prescription medications are added or subtracted from formularies from year to year.
What has been a good plan for you this year may not be a good plan next year. Another reason to review your plan is that your own needs have changed. Have you stopped taking an expensive medication?
If you chose a plan based on coverage of that medication you are no longer taking, you may be paying too much for coverage you no longer need. Is band essay it fair to students to have different abilities in one classroom?
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