Medicare’s annual open enrollment season is under way until December 7. (That’s not to be confused with the Affordable Care Act’s overlapping enrollment period, which is not for Medicare participants.) During this Medicare window, seniors can choose among various coverage options.

Perhaps the major choice is deciding between “original Medicare” and Medicare Advantage plans. “Most people will save money by enrolling in an Advantage plan,” says David Armes, a CFP who heads Dover Healthcare Planning in Long Beach, Calif. “The tradeoff is that some people may not be able to find an Advantage plan whose network includes the physicians they want to see.”

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