October through December is the considered the “annual enrollment period” for Medicare and Medicare supplements also called Medigap insurance. It is during this time that individuals can change plans, medical providers and supplemental insurance. The website www.medicare.gov offers a wide range of information. It’s also a good idea to pick up the phone and call. Since their phones are answered 24 hours a day, call in the evening so your wait isn’t too long. The number is1-800-medicare.