(Image courtesy of USDHHS)

Do you love to procrastinate? Are you a fan of that saying, "Why do today what you can put off until tomorrow?" Well, Healthcare Guru Bill Salganik has a warning for seniors out there who are putting off signing up for Medicare until the last minute. Granted, you have until the end of the year to sign up, but do so at your own risk. Bill says:

Although the deadline is Dec. 31, experts advise seniors to make sign-up decisions sooner, ideally by about Dec. 8.
If you wait and switch plans on New Year's Eve, it may take some time for the Medicare and insurance and pharmacy computers to get updated, and you may have problems getting prescriptions filled in early January.
If you're not changing plans, a late decision won't matter -- but you need to check soon to see whether you need to switch plans. Many have increased their premiums and co-payments and changed their lists of approved drugs, so the plan that was good for you this year might not be the best choice for next year.