Posted on Thursday, August 7, 2025
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by AMAC Medicare Advisory Service
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Don’t Toss the Annual Notice of Change (ANOC) Letter
As the Medicare Annual Enrollment Period (AEP) approaches, you’ll likely receive several mailings about your Medicare coverage. One of the most important is the Annual Notice of Change (ANOC), a document from your current Medicare plan that outlines upcoming changes for the new year.
Understanding your Annual Notice of Change is critical. It helps you make informed decisions about your healthcare coverage and out-of-pocket costs. Here’s what to know and what to watch out for.
What Is the Medicare Annual Notice of Change Letter?
The ANOC is a summary of updates to your Medicare Advantage or Medicare Part D plan. It may include changes to:
- Coverage and benefits
- The list of covered drugs (formulary)
- Provider networks
- Costs like premiums, copays, and deductibles
Your insurer must send the ANOC by September 30 each year. The timing gives you a chance to review any changes before the Annual Enrollment Period begins on October 15.
Why The Annual Notice of Change Letter Matters
Even if you’re happy with your current coverage, plans can change each year. Your ANOC might reveal updates that affect your doctors, prescriptions, or how much you’ll pay in the new year. Reviewing the ANOC now helps you avoid surprises in January and ensures your plan still meets your needs.
How to Read the ANOC
Here’s what to look out for:
1. Coverage Changes
Are there any services or benefits added, removed, or changed?
2. Provider Network Updates
Are your doctors, hospitals, and specialists still in-network?
3. Prescription Drug Coverage
Have your medications changed tiers? Are they still covered? Is your pharmacy still in-network?
4. Cost Adjustments
Look for changes in premiums, deductibles, copayments, and your out-of-pocket maximum.
What If You Don’t Receive an ANOC?
If you haven’t received your Annual Notice of Change by late September, call your plan’s customer service (the number is on your member ID card). Having your ANOC in hand before the Annual Enrollment Period starts gives you time to compare your options and choose the right plan.
Stay Informed, Stay Protected
Don’t assume your plan will stay the same. Reviewing your Annual Notice of Change each year helps prevent unexpected bills or reduced access to care. Not sure where to start? Call our licensed Medicare Advisors today for personalized, no-pressure support.
For help with Medicare plans – or any questions you may have about Medicare – contact AMAC’s Medicare Advisory Service at 1-855-611-4856 or request a quote below.
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