Switch by Dec. 7? Check this

A six-step Part D review that fits in about an hour.

1. Gather

Find your Annual Notice of Change. List every drug, dose and how often you fill it.

2. Compare

Pick your pharmacy, then run Medicare Plan Finder. Compare 3 plans by total yearly cost, not just premium.

3. Check the rules

Look for prior authorization, step therapy and quantity limits. Ask about the Prescription Payment Plan.

4. Ask for help

Check Extra Help. Your local SHIP offers free, unbiased counseling.

5. Enroll by Dec. 7

Confirm your new plan's ID card and start date arrive before Jan. 1.

Watch for scam calls

Medicare generally does not call to sell coverage. Do not share your Medicare number with unknown callers.

Full guide

Details and sources: finovativehub.com/?p=1159. General education, not advice.