Being a savvy consumer means reviewing your current plan's costs and benefits for next year, which are all itemized in the "Annual Notice of Change" letter that the plan has sent you; comparing your plan with others available; and then, if you choose to switch, signing up with a different plan during open enrolment, which began Nov. 15 and ends Dec. 31.
Costs: If you fall into the Part D "doughnut hole," you'll get a 50 percent discount on brand-name prescription drugs.
Premiums: If you pay higher-income premiums for Part B, you'll also pay a higher premium for Part D drug coverage.
Choice: Some current plans will no longer be available, but you'll still have plenty to choose from — between 28 and 38 prescription drug plans in each state, and at least 10 Medicare Advantage plan options in all but 29 counties.
Free services: Traditional Medicare and most Medicare Advantage health plans will charge nothing for an annual physical and many preventive services such as mammograms and prostate cancer screenings.
Capped costs: Annual out-of-pocket medical expenses (excluding premiums and prescription drug costs) in most MA health plans will be capped at a maximum $6,700 for 2011. Some plans have much lower limits.
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