Although you don’t need to sign up for Medicare each year, you should review your coverages and make changes if the choices you made for 2019 no longer meet your needs. Making changes could also lower your out-of-pocket costs

Each year, many Medicare participants allow their supplemental coverage, Medicare Advantage or Part D (prescriptions drug) coverage to rollover into the new year only to learn later that premiums have gone up significantly or that medications they need are no longer covered or are much more expensive. Although it can take a little time, an annual review of your coverage can improve your coverage and sometimes save you money.

Fortunately, there are excellent resources to help with comparison and enrollment:

• ·         Most current Medicare enrollees will receive “Medicare & You 2010”; the official US Gov’t Medicare Handbook
• ·         https://www.medicare.gov/plan-compare is an “official” website designed to help make the right choice.
• ·         Not online? Call 1-800-MEDICARE (1-800-633-4227) for help
• ·         Red Cross retirees can also receive support through the Aon Retiree Health Exchange at https://retiree.aon.com/ or by phoning 1-877-458-9657. (Retirees receiving American Red Cross Retiree Health reimbursement must purchase coverages through Aon.)