🏥 MEDICARE ADVANTAGE (Part C) CHANGES:
• Reduced Benefits: Some plans cutting flex card, OTC, or dental allowances
• Fewer Plan Options: Insurance companies discontinuing certain plans and coverage areas
• Aetna Changes: 10% fewer Part D prescription drug plans available
• Plan Cancellations: If your plan is cancelled, you must choose a new plan or switch to Original Medicare

📅 ENROLLMENT PERIODS TO REMEMBER:
• Initial Enrollment: 3 months before to 3 months after turning 65
• Annual Open Enrollment: October 15 – December 7 (all Medicare changes allowed)
• Medicare Advantage Open Enrollment: January 1 – March 31 (limited changes)
• Special Enrollment: When you move or lose coverage

⚠️ ACTION ITEMS FOR 2025:
• Review Your Current Plan: Check if benefits are being reduced or if your plan is being discontinued
• Compare Options: Look at new plans during open enrollment if yours is changing
• Consider Payment Plans: Sign up for Part D medication payment plans if you have high drug costs
• Budget for Changes: Factor in potential benefit reductions or premium increases