If you’re enrolled in a Medicare Advantage or Part D prescription drug plan, you’ll be receiving something important in your mailbox soon: the Annual Notice of Change (ANOC).
This notice comes every year in September and outlines any changes to your Medicare plan for the upcoming year. It’s crucial to read this carefully — even if you’re happy with your current coverage.
What the ANOC Includes
Your ANOC will detail any changes that start in January, including:
- Premiums (monthly costs for your plan)
- Copays and coinsurance (what you pay when you see a doctor or fill a prescription)
- Covered medications (your prescription drug list may change)
- Provider network (whether your doctors or hospitals are still covered)
Why It Matters
The biggest impact for many people is on their prescription drug coverage. Your medication could move to a different tier, change cost, or in some cases, no longer be covered. If you don’t review your ANOC, you might be surprised in January with higher costs or limited coverage.
What You Should Do Next
- Check your mail. Look for your ANOC in late September or early October.
- Read it carefully. Pay attention to premiums, drug coverage, and provider changes.
- Compare your options. If your plan no longer meets your needs, you can make changes during Medicare’s Annual Enrollment Period (Oct 15 – Dec 7).
- Reach out for help. Understanding your ANOC can be overwhelming — and that’s where we come in.
Let Ellen Daniels Agency Help
At Ellen Daniels Agency, we specialize in Medicare coverage. We’ll walk you through your ANOC, review your prescriptions, and make sure your plan still works for you.
Don’t wait until January to find out about changes that could affect your health and your wallet.👉 Contact Ellen Daniels Agency today to schedule a Medicare review.