Check your plan for details. Send your questions or comments to [email protected], or to Savvy Senior, P.O. Box 5443, Norman, OK 73070.

Dear Savvy Senior, Does Medicare cover annual physical exams? I’ve gotten a physical every year since I turned 50 and would like to find out what Medicare covers when I sign up in a few months.

After spending the last four years as a Wildcat at Sonora High School, senior Kiersti Howell is headed north to become a Red Hawk at Simpson University in Redding.