Medicare prescription drug plans changing in 2014

It's open enrollment time for anyone who has prescription drug coverage under Medicare Part D or Medicare Advantage.

The state Insurance Commissione's Offce says many of these plans are changing next year.

"Either what it costs or what it covers or what pharmacies participate," explained the department's Liz Mercer. "So, every year people should review their coverage and make sure that plan is still going to be the best choice for them next year."

You can compare plans on the Medicare website: Medicare Plan Finder

"Put in information about the drugs you take, the pharmacies you use and so on and it will crunch the numbers for you," Mercer said.

Or you call the Insurance Commissioner's Statewide Health Insurance Benefits Advisors (SHIBA) toll-free at 1-800-562-6900.

"We'll give you free, unbiased and confidential information about your options and we'll help you with that comparison," Mercer told me. "It can be a little confusing sometimes to go online; it's a little complicated if you're not familiar with it."

Don't put this off, because if you don't make a change by December 7, you're stuck with your current plan for all of next year -- and that plan may be different in 2014.

By the way, this has nothing to do with Obamacare. If you are on Medicare, you do not need to do anything in regard to health care reform. You already have insurance provided by Medicare.

More information: Medicare Open Enrollent: Get Help in Your Local Community