The other is to join a Medicare Advantage (MA) plan, which covers prescription medication and other medical services.

FORBES: Medicare Open Enrollment Season Is Here

So before you join or take advantage of deals, check out companies you're considering at the Better Business Bureau Internet site.

CNN: Watch out for the 'free' stuff

Cardiff made no secret of the fact they wanted him to join United to take advantage of the loan-back agreement.

BBC: Ramsey completes Arsenal switch