DEAR READERS: Whether for yourself or to assist your parents or other elders, it’s time to review Medicare options if you want to make changes from the 2012 policies. Medicare annual open enrollment begins Oct. 15 with new benefit choices taking place Jan. 2013.

During the Medicare annual enrollment period, which is Oct. 15 to Dec. 7, all Medicare beneficiaries may change their Medicare coverage for the coming year. This includes anyone enrolled in traditional Medicare, Medicare D (prescription drug coverage) or Medicare Advantage. No action is necessary if you are happy with your coverage as it stands.

Read more about open enrollment and your Medicare plans:

Purchase Minding Our Elders: Caregivers Share Their Personal Stories – paperback or ebook