If you're age 65 or older, you have a slew of choices for filling the gaps in Medicare during open-enrollment season, which runs Oct. 15 to Dec. 7. Most people choose either Medicare Part D prescription-drug coverage (to supplement a medigap policy) or a Medicare Advantage policy, which covers both medical and prescription-drug costs. The coverage and costs can change every year.

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Medicare's Plan Finder makes it easy to find out which plan is likely to offer the best deal. Type in your zip code and your drugs and dosages, and the tool shows how much you'd pay over a year in total out-of-pocket costs - including premiums and co-payments.

You also can input your general medical condition to compare the coverage and costs for the Medicare Advantage plans in your area (called "Medicare Health Plans"). A State Health Insurance Assistance Program (SHIP) representative can walk you through the tool and help find the best plan for you. Call 800-633-4227 or visit shiptalk.org for contact information.

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