If you have Medicare coverage or you help someone who does, it's time for your annual homework assignment: comparing your options during open enrollment to see if you can do better. It can be intimidating, but the payoff for your effort is potential savings of hundreds to thousands of dollars. Through Dec. 7, Americans enrolled in Medicare, the federal health-insurance program for people 65 and older and the disabled, can make changes to how they receive their benefits. Those changes take effect Jan. 1, 2013. In the next few weeks, beneficiaries can switch their stand-alone Part D prescription drug plan or enroll in one for the first time, if they didn't sign up when they were first...
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