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If you are on a visit to elder family members’ for the holidays, ask if they have made their decisions about Medicare coverage for next year. Seniors have until Dec.31 to make variations to their medical and prescription plans, but the process can be confusing for many of the 45 million people in the program. People over 65 have been influenced with advertisements from different plans for more than a month. But most of the ads contain little useful information. Some insurance companies hold seminars throughout the country to explain their plan details. But that does not help with comparing how on plan stacks up against others. The most helpful information for choosing a plan is readily available on the Medicare Web site. This means senior who aren’t comfortable using computers may especially welcome help from someone who can guide them through the process online. The important thing which you should not forget is that greater than 75 % of Medicare recipients need to make some decisions before the deadline. Even if they like their present plan, they should check to see if there are any changes to the prices charged or drugs covered for 2010.Taking no action would mean they get stuck with a plan that costs too much or doesn’t provide them with the best coverage for the situation.