Life changes; so your Medicare coverage might need a tune up. The right choice two years ago may not be the best choice for you today. Why consider changing plans? Here are some reasons:

• Your health conditions have changed.
• Your prescription drugs have changed.
• Your premiums have gone up.
• Your out-of-pocket expenses are higher than you thought they'd be.
• There is a new plan available in your area that seems to offer a better price for the same or similar benefits.
• You moved.
• You lost employer retiree health benefits.

The government sets specific rules about when you can change plans for Medicare Advantage and Part D Prescription Drugs.

Shop carefully and compare. Make sure you understand how your cost, coverage and choice might change with a new plan. It can be confusing since it’s not something you frequently buy. So, ask for the help of a professional who specializes in Medicare plans.

LAI Tip: Before you drop your current plan, first make sure your new policy is in effect.