Older adults can follow a few simple tips to avoid uncovered expenses in the upcoming year. With Medicare open enrollment beginning Oct. 15, now is the time to start preparing for future health care needs. (Logo: http://photos.prnewswire.com/prnh/20130710/CG45364LOGO-b) Frank Nelson, program manager at the Central Coast Health Insurance Counseling and Advocacy Program, regularly educates Medicare beneficiaries…