Medicare enrollees can save hundreds of dollars on premiums and out-of-pocket costs by doing a checkup on their coverage in the weeks to come. But few bother to review what they’ve got or make changes.

If you use traditional fee-for-service Medicare and have a Medigap supplemental plan–and you’re happy with what you have–there’s no need to do anything during annual enrollment. But if you have Part D prescription drug coverage, or are enrolled in Medicare Advantage (the managed care alternative to traditional fee-for-service Medicare), it can pay to kick the tires. Click here to read a comprehensive article and checklist from Morningstar.