Then if you do nothing else this Open Season, do one thing: call your physician's office and make sure they'll be staying in your plan next season.

According to Lee Dettman, Assistant Director for Insurance Services Programs at the Office of Personnel Management, you might not be as happy with your plan if your favorite doctors aren't participating next year.

For more tips from Dettman, check out the Agency of the Month webpage here on FederalNewsRadio.com.