It is here again folks. Medicare’s AEP (better known as Open Enrollment) is here.

What does it mean to you?

First, you should have received an Annual Notice from your current carrier last month. Here is where the carrier lists all the changes for the upcoming year for your current plan. Sometimes they increase benefits and more often they decrease benefits or increase premium.

Also, many of the plans have extra benefits like dental and vision, gym memberships and OTC or Over the Counter cards.

The next step is to decide if you need to make any changes. Most of the time the same company you have currently will have several different options to choose from.

If you are so fortunate to have a Medicare Advisor, like myself, he or sure will be able to quickly help you sort through everything. A good one will know all the plans in your area inside and out.

If you have questions and live in the WNY area, feel free to call my office. You can also email me or message me on Facebook.