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Dear Savvy Senior, Last year I received a “notice of change” letter from my Medicare provider. Should I expect another one this year, and what should I do with it? --Medicare Rookie Dear Rookie, The letter you’re asking about is actually referred to as the Annual Notice of Change (or ANOC), which is a letter you receive from your Medicare Advantage or Medicare Part D prescription drug plan in late September. (People with only a Medigap plan don’t receive these because Medigap plans do not have benefit changes from year to year). So yes, you should expect to receive another letter next month.

Gail Gilman, Family Life Consultant, M.Ed., C.F.C.S. and Professor Emeritus – University of Minnesota Tomatoes have long been enjoyed for their flavor and versatility.