Medicare Advantage/HMO plans and Medicare stand-alone drug plans change each year, sometimes a little, sometimes a lot. Sometimes those changes are to the benefit of the beneficiary on that plan. Then there may be other times the beneficiary would benefit by making a change to another plan for their medical and/or drug needs and with lower copays.
Medicare beneficiaries should always review possible changes in their current insurance for the upcoming year. If the changes for the upcoming year result in concerns by the beneficiary, s/he should compare their plan with other plan offerings for 2014.