819 West 7th Avenue 
Spokane, WA 99204






The Open Enrollment Period for both Medicare Advantage and Medicare prescription drug coverage happens annually from October 15 to December 7. This period is also known as Medicare Fall Open Enrollment and the Annual Election Period. During this time, Medicare beneficiaries can add, change, or drop Medicare health plans and/or prescription drug coverage for the following year (effective January 1).

If you're satisfied with your current Medicare plan, you don't need to take any action. However, plan benefits and costs can change annually, so you may want to compare your plan options for each to confirm your health and prescription drug needs are covered by your plan for the next year. The Medicare Fall Open Enrollment period is a good time for beneficiaries to reassess their current Medicare Supplement,  Medicare Advantage and Medicare Part D Prescription Drug Plan coverage and compare it with the options available in the upcoming year. If you would like a see a plan comparison of all plans available in 2018 please give our office a call



  • Can I take Medicare early?
  • Can I delay taking Medicare?
  • Are there penalties for not signing up for Medicare?
  • If my spouse passes away do I lose my Medicare plan?
  • Why do I pay more for my Part B than my neighbor?


Medicare can be very confusing for individuals approaching age 65.  Most of the confusion comes from people mixing up the government run Medicare programs Part A, B, C and D,  and the private insurance policies that are sold to supplement or complete the Medicare programs . 

The first step is to make sure you get enrolled in the government Medicare program in a timely manner.  For most long term working employees and spouses of employees, you will be automatically enrolled in Medicare Part A. This will leave a decision of when to enroll in Part B.  If you are retired before age 65 or are retiring at age 65 you should enroll before you turn age 65.

The second step is to choose which, if any, a Medicare medical supplement and prescription plan.  There are traditional Medicare supplements. Medicare advantage plans, prescription drug only plans, and combination Medicare advantage with prescription coverage included type plans.  This is where it can become overwhelming.  There are many plans offered and you will receive a stack of mail starting about six months before you turn 65.

How do I make sense of all this? 

Follow the link below, or contact our office at (509) 327-1171 and we will send you a brochure from HorsesMouth™ explaining the Medicare basics. We will then be available to answer any questions you still have after you have had a chance to read through the information.