Open enrollment for 2009 Medicare Part D prescription drug coverage began on November 15 and continues through December 31. Now is the time for seniors and people with disabilities to review your current coverage, determine if it is working for you, and examine other plans to see if another may be more cost-effective for your particular needs. If you want to make a change, you can do it now and through the end of the year.

What is Medicare Part D? Medicare Part D is the prescription drug benefit plan provided by private insurance plans. It is funded by the federal government. There are many plans available through a variety of insurance companies. Not only can you make changes during this time period, insurance companies can also change their plans. Some changes may include increasing the cost of premiums and how drugs are covered. You’ll receive written notice from your current plan about how it will change in 2009. It’s important to review that information and keep it handy as you consider other options.

What I need to do? Senior Citizen Journal online suggests you shop around. Take a look at the comparison tool available at www.medicare.gov. You can review the plans available in your area of ​​the country and compare drug costs by tier, deductible, monthly premium, and anything unique to each individual plan. By looking at these options, you can compare them to the information you’ve received about your current plan. You need to be informed about your options, and the tool on the Medicare site is one of the best ways to get accurate information.

Remember, the election period is about six weeks, and you must make any changes you decide by December 31, 2008. Seniors and people with disabilities can get personalized help at phone numbers on the Medicare website.