Anyone who has gone through the process of signing up for Medicare quickly comes to the same conclusion: It’s complicated! Even if you’re already enrolled, plans and regulations may change, as well as your personal health needs, so it’s a good idea to review your policy every year—long before the annual open enrollment period in the late fall. In today’s episode, James Donnelly, a Certified Medicare Advisor, explains not only Medicare basics, but offers valuable insights and information that cut though the deluge of mailings, phone calls, marketing pitches and commercials we’re exposed to every year. He will talk about how to make sure a plan fits your needs; how you can switch coverage during special enrollment periods (even if you don’t think you can); and how you can qualify for extra financial assistance or programs to help pay for coverage. The host of a regular “Medicare Monday” podcast, James will offer examples of specific scenarios from his wide-ranging experiences, including advice about avoiding Medicare scams. “Where you get the facts matters,” he says. “Education is everything.”