America is confronting deep philosophical divides over the proper size and role of government. The vast majority of people agree, however, that government has at least one basic function: the protection of its citizens. Protection can come in the form of supporting a strong military, setting the guardrails for the proper functioning of the free market, or helping those who are in the need of retirement security. As we debate how to best repurpose the functional parts of our government, it is important to continue to take care of the business before us. The Medicare system is one important part of health care retirement security for many Americans.

For those who are currently in the Medicare program, it is now Open Enrollment Season. Each year during Open Enrollment (which this year runs until December 7), Medicare beneficiaries have the opportunity to review and make changes to their prescription drug coverage (Part D) for the upcoming year. There is also the opportunity to enroll or disenroll in a Medicare Advantage plan (Part C). If you or a family member participate in a prescription drug plan, it’s important to take advantage of the market options available to you at this time to save money, or better conform your plan to your individual need.

The Medicare prescription drug program (Part D) was founded in 2003. The program was complicated at first, but now the regional cost estimates have fallen dramatically and the satisfaction rate is around 90%. The program empowers seniors to have choices for plans that best meet their needs. It is my hope that this can serve as a model for health care services in the near future.

Medicare Part D plan providers are required to notify beneficiaries of any changes made to their plans for the upcoming year. If you received a notice from your Part D drug plan, be sure to review the changes so that you can assess your options for 2016. You can choose from 23 Medicare Prescription Drug Plans offered this year in Nebraska. Some Medicare beneficiaries may qualify for “extra help” with the drug plan costs. Eligible persons can receive financial assistance to pay for monthly premiums, annual deductibles, and co-payments. If you want to learn more about your general options or eligibility for the Extra Help Program, I invite you to review these resources:

1. Nebraska Senior Health Insurance Information Program (SHIIP)

Nebraska SHIIP is a free counseling service that provides information on Medicare and offers assistance with reviewing and enrolling in a prescription drug plan. Contact SHIIP toll-free at 1-800-234-7119 or via the agency's website at: http://www.doi.nebraska.gov/shiip/.

2. Medicare Prescription Drug Plan Finder

The Prescription Drug Plan Finder enables beneficiaries to review and compare the available prescription drug programs at Medicare's website: https://www.medicare.gov/find-a-plan/questions/home.aspx/.

3. You may contact Medicare directly at 1-800-MEDICARE (1-800-633-4227) or http://www.medicare.gov/. Of course, my staff is also available to assist you at 402-438-1598 if you have any problems with your earned Medicare benefits.