Choose your coverage: Convoluted as ever, Medicare's patchwork system of prescription drugs and health coverage is at least becoming more familiar as it enters its fifth year. Starting Nov. 15 and running through Dec. 31, people 65 and over and those with disabilities have their annual opportunity to pick coverage from dozens of insurance plans.

How to use Medicare.gov Web site: It's a bit tedious, but Medicare's Web site is the only one way to get a detailed handle on what various drug and health plans are likely to cost you.