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How to navigate Medicare.gov

August 20, 2008

Consider these factors before going to medicare.gov to search prescription drug plans:

When to start? Drug plans and Medicare release details of 2009 coverage in October. Enrollment for next year starts Nov. 15 and takes effect Jan. 1.

Health plan or drug plan? Save time by deciding which you prefer. Health plans such as HMOs offer lower prices than drug plans, but restrict your choice of doctors, hospitals and drugs.

Check them all. Even if you like your present coverage, double-check because plans will change prices and coverage for next year.

Be patient. The Web site asks many questions to find the best plan for you. Answer and let the system lead you through the steps to get results.

More information. Medicare at medicare.gov or 800-633-4227. Florida Serving the Health Insurance Needs of Elders (SHINE) at 800-963-5337. Medicare Rights Center at medicarerights.org.