Dear Savvy Senior ,

What ’ s the easiest way to compare Medicare Part D prescription drug plans ? My Part D premium is increasing again in 2025 , so I would like to use the fall open enrollment to find and sign up for a cheaper plan .

Shopping Around

Dear Shopping ,

I ’ m happy to hear you ’ re comparing your Medicare coverage options this fall . Research shows many Medicare beneficiaries with Part D coverage can lower their prescription drug costs by shopping among plans each year during the open enrollment season , which runs Oct . 15 to Dec . 7 .

There could be another Part D plan in your area that covers the drugs you take with fewer restrictions

or with lower costs . You never know until you look .

You ’ ll also be happy to know that thanks to the Inflation Reduction Act , in 2025 annual out-ofpocket costs will be capped at $ 2,000 for all Medicare Part D beneficiaries .

Here are some tips and tools to help you shop and compare Part D plans .

Plan Finder Tool

If you have internet access and are comfortable using a computer , you can easily shop for and compare all Medicare drug plans in your area and enroll in a new plan online , and it only takes a

few minutes .

Just go to Medicare ’ s Plan Finder Tool at www . Medicare . gov / find-a-plan . You can do a general search on the right side of the page , under the title Continue without logging in . If you wish to save your drugs and pharmacy information , you can log into or create your Medicare account on the left side of the page .

Next , type in your ZIP code and choose the type of coverage you ’ re looking for , enter the drugs you take , choose the pharmacies you use , and indicate whether you are interested in a mail order option .

The plan finder will then display results for plans in your area . Be aware a plan may not cover all the drugs you take , but it may cover alternatives . It also will

tell you if the plan has a deductible and how much the monthly premium is .

Initially , the plans will be sorted by “ lowest drug plus premium costs .” This is the closest estimate to what you may pay out of pocket for your Part D coverage for the year . You can select “ plan details ” to find out more specifics about coverage including any coverage restrictions that might apply to your drugs .

Before enrolling , it is a good idea to call the plan directly to confirm any information you read on plan finder , as information may not be completely up to date .

If you need help , you can call Medicare at 800- 633-4227 , and they can do this for you over the phone . Or contact your State Health Insurance

Assistance Program , which provides free unbiased Medicare counseling . To find a local SHIP counselor , call 877-839-2675 or visit www . ShipHelp . org .

Any changes to coverage you make will take effect Jan . 1 , 2025 . If you take no action during open enrollment , your current coverage will continue next year .

Extra help

If you ’ re lower income and have a hard time paying your medication costs , you may be eligible for Medicare ’ s Extra Help program . This is a federal low-income subsidy that helps pay Part D premiums , deductibles and co-payments .

To be eligible , your annual income must be under $ 22,590 or $ 30,660 for married couples living

together , and your assets — not counting your home , personal possessions , vehicles , life insurance policies or burial expenses — must be below $ 17,220 or $ 34,360 for married couples . For more information or to apply , call Social Security at 800- 772-1213 or visit www . SSA . gov / medicare / part-dextra-help .

Send your senior questions to Savvy Senior , P . O . Box 5443 , Norman , OK 73070 , or visit www . SavvySenior . org .

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0001 Legal Notice

LEGAL NOTICE

Coshocton County Agricultural Society will be holding the annual election on November 2 , 2024 . The election will take place from 1:00 - 5:00pm at the Ag Society , 707 Kenilworth Ave . Coshocton , Ohio . 43812 For the upcoming election , there are 7 positions open . Coshocton County Fairboard CCB : Oct 17 , 24 , 31 , 2024

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The Defendant , Unknown Spouse , if any of Cody R . Tarman , but whose current address are unknown , will take

notice that July 08 , 2024 , Plaintiff , Click n ' Close , filed a Complaint in the Coshocton County Court of Common Pleas , being Case No . 2024CI0207 , seeking a foreclosure of its mortgage interest in the real property located at 1759 Buena Vista Drive , Coshocton , OH 43812 , being permanent parcel number 043- 00004779-00 (" Real Estate "), and allege that the Defendant , have or may have an interest in this Real Estate .

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LEGAL NOTICE IN THE COURT OF COMMON PLEAS COSHOCTON COUNTY OHIO JUDGE : ROBERT J . BATCHELOR