Understanding Medicare is not a walk in the park. It’s more like crawling through a dark cave: Disorienting and challenging. And every year during Medicare Open Enrollment from Oct. 15 through Dec. 7, you get to explore that cave again!

Why? Medicare health and drug plans make changes each year — such as cost, coverage, and what providers and pharmacies are in their networks. They can also make changes to the plan’s “formulary” (list of covered drugs). You will receive information from your current Medicare plans such as the “Evidence of Coverage” (EOC) and “Annual Notice of Change” (ANOC) describing those changes.