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Changing your Medicare policy

Is it time to change your Medicare policy? How would you know?

Free Advice for Medicare policies

If you are eligible for Medicare, you are also eligible for free advice, help in comparing policies and deciding which is right for you. Your local Area Agency on Aging office has counselors from the Health Information Counseling and Advocacy Program (HICAP.)

Types of Medicare policies

Your needs change and so do Medicare policies. If you have “traditional” or “original” Medicare with a Medigap policy, you may find that a different Medigap policy will work better for you in the coming year. If you have a Medicare Advantage policy, you will want to check to see that your doctors are still “in network” and that your medicines will still be covered by the “formulary.” You will want to check coverage overall: it changes from year to year.

For free counseling near you, call 800-935-9935 or go to



Estate Planning attorney, Terry Garrett, is a member of the National Academy of Elder Law Attorneys and is active in the Texas and Austin Bar Associations. She graduated with honors from Cornell University. She was on the Dean’s List at Wharton Business School. She earned her J.D. at Columbia Law School, receiving the Parker Award and a Mellon Fellowship.

She assists families of people with special needs, people planning for the retirement years and people administering estates.



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