Between November 15 and December 31 each year you can make changes to your Medicare medical health plan or your drug plan. New coverage will start in January.

Something to keep in mind is whether you or your elder spend more than a few days in various locations during the year. Many seniors live with relatives in different parts of the country, staying for an extended period with each family. Traditional Medicare is accepted throughout the United States. However, Medicare HMO and PPO plans are often specific to a particular region. Make sure that the plan you choose is accepted wherever you or your elder might be living. You cannot change plans mid-year because a loved one is living temporarily with another family member.

You can compare all the Medicare plans by location on Medicare's website.