Should I review my ANOC with my Medicare agent?

Question

Mike Cooper · Accepted Answer

Absolutely!  Your agent can help confirm that your doctors are still in-network... your prescriptions are still in-formulary.  

If you've been happy with the plan and all of those things are still in-network/formulary... they can help clarify the plan changes and then help you determine if that is STILL the best policy for the incoming year.

Blessings-
Mike Cooper

Mark Bilgere · Answer

You should review your ANOC on your own to determine if your current plan will still meet your needs and that there are no major changes. If your health has changed, your doctor has dropped the plan or your plan has changed dramatically, then you should reach out to your agent. Remember, the purpose of your Advantage plan to to protect you from high and catastrophic medical bills. Focus on your providers and your healthcare costs before getting too wrapped up in the extra benefits.

Answered by Mark Bilgere on March 2, 2026

Broker Licensed in TX, AR, IN & LA, MN, NE & OK

Answered by Mark Bilgere Medicare Insurance Agent

Daniel Brechin · Answer

Yes I try to reach out to meet with my clients every year.  For two reasons.
One to make sure they are happy with the
Program they are currently in.   Two,   if there is a better program. Show it to them.

William Lawler · Answer

The question is, should I review my annual notice of change with my Medicare agent? Absolutely. The ANOC, or Annual Notice of Change, lets you know what the changes are for your particular plan for the following year or the upcoming year. So definitely go over your ANOC, Annual Notice of Change, with your agent. I'm here to help.

Christopher Boyd · Answer

Absolutely.  Plans can change co-pays, max out of pocket costs, network providers and pharmacies. Check your plan every year and make changes accordingly.

Nick Mangini · Answer

You should absolutely review your ANOC. I hear clients tell me that they threw them out and that is why they usually call me in January after they find out that the plan had changes that they were "unaware" of. Check your mail and read the ANOC!

Answered by Nick Mangini on March 29, 2026

Broker Licensed in FL, AL, AZ & 32 other states

Answered by Nick Mangini Medicare Insurance Agent

Kerwyn Jones · Answer

Yes! You should because your agent would or should if they aren't Captive have the ability to compare your ANOC to other plans and select the best for you forbthe upcoming year...

Cody Biggs · Answer

Absolutely—yes. Your ANOC (Annual Notice of Change) tells you exactly what’s changing with your Medicare plan for next year, and reviewing it with your Medicare agent helps make sure higher premiums, drug changes, or provider network changes don’t catch you by surprise. Even if you’re happy with your plan, a quick review can confirm you’re still in the best option or uncover a better one for your needs.

Answered by Cody Biggs on December 19, 2025

Broker Licensed in LA, AL, AZ & 24 other states

Answered by Cody Biggs Medicare Insurance Agent

Ravi Natarajan · Answer

Absolutely. This helps the Broker assist you better. But stay away from call centers and deal only with Licensed Professionals...

Sandy Johnson · Answer

Yes!  this is always a good idea to make sure that the changes that are listed in your ANOC are clearly understood and that you can make a educated decision about your current plan.

David Wynne · Answer

At Live Well Benefit Advisors, we recommend reviewing your Annual Notice of Change with your Medicare agent. The ANOC shows any changes to your plan, like costs, coverage, or network updates, that will take effect next year. Reviewing it helps ensure your doctors and prescriptions are still covered and lets you compare your plan to other options that might save money or offer better benefits. At Live Well Benefit Advisors, we conduct annual reviews and mid-year check-ins with all of our clients to make sure their coverage continues to meet their needs and to prevent any surprises throughout the year.

Answered by David Wynne on October 8, 2025

Broker Licensed in SC, MI, NC & PA

Answered by David Wynne Medicare Insurance Agent

James Hale · Answer

The first thing you should do when you receive your Annual Notice of Change is simply review it. It will be a side by side comparison of your current coverage versus the coverage you will have the following year should you decide to remain in the plan. It's the single best way to stay informed about changes in your policy from year to year. If you see anything that concerns or confuses you then reach out to your agent. If you're okay with the changes you see then just do nothing and the policy will be rolled over to the following year automatically. 

NOTE: If a plan is not renewing, or is exiting your market entirely, the plan does not send a standard ANOC because there are no "changes" to describe for a plan that won't exist next year. Instead, the plan is required to send a separate non-renewal or termination notice to affected enrollees. This notice informs you that the plan is ending, explains what happens next (e.g., whether you'll be automatically enrolled/"mapped" into another plan offered by the same company, or if you'll be disenrolled). If you receive one of these notices you should immediately set up an appointment with your agent during the Annual Enrollment Period (Dates: 10/15–12/7) or a Special Enrollment Period if applicable.

Phillip Davis · Answer

You should absolutely review your ANOC with your agent every year. This will help ensure your agent can have as much information as possible to help ensure you always have the best plan for you.

Joel Gregory Craven · Answer

Absolutely your local agent should help you navigate the changes and review your mediations (at your option), pharmacy, mail order options, new doctors or loss of old doctors, etc

Sarah Rollins · Answer

If you have any questions about your ANOC, definitely contact your agent. As a courtesy to them, if you have no questions, shoot them an email and let them know you're all set for the next year.

Elliott Klepner · Answer

Yes! Your Annual Notice of Change outlines the changes to your Medicare Advantage Plan each year. It is vital that you understand all the benefits of your plan. Your Medicare Agent is certified in all the plans they recommend and can answer any questions you may have.

Answered by Elliott Klepner on October 9, 2025

Broker Licensed in FL

Answered by Elliott Klepner Medicare Insurance Agent

Jane Baker · Answer

Yes there are always changes every year with all of the Insurance Companies!!!!!   You don’t want any surprises that are not good surprises.

Jim Tretola · Answer

Absolutely. Your independent brokers can review all available options and plans and help you choose what is best for you.

Ron Cronwell · Answer

Yes by all means talk to your local agent about the ANOC noted changes. Also update your agent on any health changes from last year. There maybe better plans available to address any health changes. Plus he can walk you through adjustments in benefits.

Answered by Ron Cronwell on December 17, 2025

Agent Licensed in TN

Answered by Ron Cronwell Medicare Insurance Agent

Kristen Skinner · Answer

Yes. Because they have the answers that you may not have already. And they can help you find a different plan if this one does not work for you. What they send you in the mail sometimes does not go over all of the information you need.

Answered by Kristen Skinner on November 19, 2025

Broker Licensed in OK

Answered by Kristen Skinner Medicare Insurance Agent

DeeDee Whitlock · Answer

Absolutely you should review your ANOC with your agent EVERY year! your agent receives a check every month that you renew & should WANT to review your plan every year to assure there are no major changes you may have missed on the ANOC

Answered by DeeDee Whitlock on September 8, 2025

Broker Licensed in LA

Answered by DeeDee Whitlock Medicare Insurance Agent

Valerie Schurman · Answer

so not necessary but you can  it never hurts to call your agent if you have questions    i tell my clients to review so they know how their new plan will change

Gary Henderson · Answer

Yes, if you are not clear as to what the changes are and how they might impact you, it's always good to have a review with your agent every year and you want to go over any changes that you've had in your prescriptions. And it is the one time of year that you're able to change prescription plans in addition to Medicare advantage plans. If you have one of those, I do recommend supplement plans if you can afford them

Answered by Gary Henderson on September 6, 2025

Agent Licensed in TX, AK, AL & 46 other states

Answered by Gary Henderson Medicare Insurance Agent

Andrew Kramer · Answer

Actually, your agent should have reached out to you in the AEP (Annual Enrollment Period) from Oct 15 to Dec 7 to do that with you! But it's not too late. We are in the OEP (Open Enrollment Period) from Jan 1 to Mar 31, if you wish to change your Advantage plan.

Answered by Andrew Kramer on January 12, 2026

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Meghan Blankenship · Answer

Yes - reviewing our ANOC (Annual Notice of Change) with your Medicare agent is a smart move, especially if you want to avoid surprises in the new plan year.

Jaye Maxx Alexander II · Answer

Yes, you can and should review the ANOC  with your Medicare agent so that you can have the best coverage for the year 2026 that will benefit your lifestyle and medical needs.

Eizel Mere · Answer

Unfortunately there are anual changes with every Advantage plan and prescription drug plan. A good broker will touch base with you to go over plan changes and changes in your health (doctors, medicine, conditions, goals) to make sure you are still on the best plan for you.

Answered by Eizel Mere on September 22, 2025

Broker Licensed in FL

Answered by Eizel Mere Medicare Insurance Agent

Tamela Clayton · Answer

Yes - it's a smart idea to review your Annual Notice of Change with a Medicare agent you trust.  They can help you spot changes to your premiums, copays, drug list, and network, and compare your current plan to other options for the new year.  
That way you are not surprised in January and you can switch if another plan fits your doctors, prescriptions, and budget better.

Chad Hardy · Answer

Yes, it’s a good idea to review your Annual Notice of Change (ANOC) with your Medicare agent. The ANOC explains how your current plan will change for the upcoming year—things like premiums, copays, deductibles, and which drugs or providers are covered. Even small changes can affect your costs or access to care. An agent can walk you through the updates, compare your plan with other options in your area, and make sure you’re not missing out on better coverage or savings.

Answered by Chad Hardy on September 25, 2025

Broker Licensed in TX, AL, AR & 8 other states

Answered by Chad Hardy Medicare Insurance Agent

Nora Alishahi · Answer

Sure you have to review ANOC with your agents. He/she will have all options available for to decide what better works for you.

Peggy Elliott · Answer

Yes, you should absolutely go over your ANOC, which is an annual notice of change, with your Medicare agent just to see if there's anything that you need to be going over with them or if you want to get a different plan. So yes, you definitely need to do that. Thank you.

Christopher Matthews · Answer

Yes, reviewing your Annual Notice of Change (ANOC) with your Medicare agent is a smart move. They can help you understand any changes to your plan’s costs, coverage, or network and guide you in deciding whether to stay or switch plans.

Answered by Christopher Matthews on November 1, 2025

Agent Licensed in FL

Answered by Christopher Matthews Medicare Insurance Agent

Dominic Colonero · Answer

Absolutely! Its always go to review it with your agent as they can go over any major changes. 
Plans change year to year and it is better to be prepared than surprised. Also your agent can see if that plan is still a good option for you or if there is something better to move to. A good agent will then double check that your doctors and prescriptions are covered as well.

Christopher Stewart · Answer

100%. Your Medicare agent continues to get paid monthly to be your agent. That means they should take the time to review your ANOC with you and ensure that you are still on the best plan for your needs.

Answered by Christopher Stewart on October 17, 2025

Broker Licensed in FL, AL, AZ & 6 other states

Answered by Christopher Stewart Medicare Insurance Agent

Akia Alexis · Answer

Yes absolutely. Plans change every year and you want to be aware of those changes and be sure your plan is still suitable for your healthcare needs.

Pedro Rodriguez · Answer

English 
 65+ and got your ANOC in the mail? Yes  — you should always review your Annual Notice of Change with your Medicare agent. It shows changes in costs, coverage, and drugs for next year, so you can decide if it’s time to stay or switch plans. 

Español (Gancho Viral Storytelling)
 ¿65+ y recibiste tu ANOC por correo? Sí — siempre debes revisar tu Aviso Anual de Cambios con tu agente de Medicare. Allí verás cambios en costos, cobertura y medicinas para el próximo año, y podrás decidir si quedarte o cambiar de plan.

Brooke Smith · Answer

Yes, if you have questions about your ANOC (Annual Notice of Change) or help understanding what is changing, you should definitely schedule a time to review it with your insurance agent.

Heather Saiki · Answer

You should always review your ANOC each year with your agent. The plans change every year. You don’t want to get stuck in the wrong plan.

Devender Guhania · Answer

Yes, you should - To review your current plan, to compare your current plan to an alternative plan option, to compare your benefits, to find your plan gaps, and to get answer to all the questions that you may have.

Answered by Devender Guhania on December 9, 2025

Broker Licensed in MA & NH

Answered by Devender Guhania Medicare Insurance Agent

Should I review my ANOC with my Medicare agent?

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Should I review my ANOC with my Medicare agent?

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Related Questions

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