For the 65+ OGF'ers (or OGR'ers with older parents) now is the time to start reviewing your Part D Rx plans...Open enrollment starts Nov 15 Ends Dec 31st. Some companies have eliminted plans for 2009 and of course the formularies may change too (what drugs they cover and what tier). Plus you may be on new meds that you weren't on last year. All plans aren't created equal! I ran a quote for a guy with some health problems - one plan $5200 another plan $7300. It all depends what drugs you take and whether the insurance company covers those drugs. For a different person the second company may have the cheaper/better plan. It's all on what drugs you take! Sometimes a husband and wife are covered by different Rx plans because one plan is better for one than the other. Due to CMS marketing laws you have to call your agent. They can't call you. Even if you give the agent your folks number, they have to call him. CMS is making sure seniors don't feel pressured!