It's an important time of the year to make sure you are fully insured and there is free assistance to make sure you are fully covered. Medicare Part D Open Enrollment is currently underway. This is a plan that covers prescription drugs. "It's that time of year where we are reviewing our plans and making sure we are covered for next year," said Jon Godfread, North Dakota Insurance Commissioner. "It's really important, it's critically important to review this on an annual basis because our lives change every year. We have different needs, different diagnoses." Godfread explains that Medicare plans are very specific. He said that they are designed to cover certain drugs at certain levels and other drugs outside of the plan's coverage will cost you more.