If you decide to stay with FirstMedicare Direct HMO Plus or PPO Plus:
If you want to stay with us next year, it’s easy - you don’t need to do anything. If you don’t make a change by December 7, you will automatically stay enrolled in our plan.

If you decide to change plans:
If you decide other coverage will better meet your needs, you can switch plans between October 15 and December 7. If you enroll in a new plan, your new coverage will begin on
January 1, 2015.