When do I get the ANOC(Annual Notice of Change) and what should I do if I have questions about my ANOC?
Answered by 4 licensed agents
VERY IMPORTANT INFORMATION RE: Annual Notice of Change
1- Be On Look Out (BOLO) for it in the mail.
2- Keep It
3- Review It and Understand what is changes are happening with your current cover plan (Medicare Advantage and Part D-Prescription Drug Plan).
Here are a list of key items to review:
- Is Your Plan Available in 2027, or will you need to identify a new plan
- Cost Shares (Co Pays, Coinsurance, and Deductibles (Medical and Prescription)
- Max Out of Pocket (MOOP) Costs
- Network Changes (doctors, specialists, hospitals enter or leaving your plan network)
- Extra Benefits Changes (Dental, Vision, Hearing, Over The Counter (OTC), Fitness/Gym)
- Optional Supplemental Benefits (OSP)- What's available for your plan and costs of them
- Review your Medications / Plan Formulary / Co Pays / Coinsurance, Deductibles, Tiers (Preferred Generic, Generic, Preferred Brand, Brand, Specialty, Non Formulary)
- Preferred Pharmacy vs In-Network Pharmacy (Additional Savings Available)
- Plan Vendor Partners (this can change from year to year as well ) like EyeMed, DentaMax, LIbertyDental, Carreigton, TruHearing, etc..
Industry Hack:
If you work with a broker, they will do all of the above for you and highlight the differences, best options, and help you navigate any changes you may see with you plan from one year to the next. There is no additional costs to work with a broker and there is no fees charged for their services.
Answered by Steven Litzsinger on September 6, 2026
Broker Licensed in MO, AL, FL & 8 other states
I always tell my clients not to throw this one away. The ANOC explains what is changing in your plan for the following year, including premiums, copays, prescription drug coverage, provider networks, and other benefits.
As my client, you can also expect to hear from me a few weeks before your ANOC arrives. I use that time to get your annual review scheduled so that once you receive it, we can go through the changes together and make sure your plan still fits your doctors, prescriptions, budget, and healthcare needs. We, together at that meeting determine if a plan change is necessary.
Sometimes the changes are minor and your current plan still makes perfect sense. Other times, a change in benefits, costs, doctors, or prescriptions may mean it is worth comparing optional plans.
The most important thing is that you do not have to figure it out on your own. Reviewing your ANOC together is part of the ongoing service I provide as your Medicare agent.
Answered by Brett Johnson on September 4, 2026
Agent Licensed in CA, AZ, GA & NV
Answered by Mark Bilgere on September 6, 2026
Broker Licensed in TX, AR, IN & LA, MN, NE & OK
Answered by Terri McClinton on September 5, 2026
Agent Licensed in PA, GA, MI & NJ, NY, OK & TX
Tags: Advice for Seniors Eligibility The Medicare System
Agents: Share Your Expertise
Have insights or experiences related to this topic? Help others by sharing your knowledge and answering this question.
Seniors: Ask a Question of Your Own
Questions are generally answered within 1 to 3 business days. Receive valuable perspectives from multiple licensed agents and brokers.
Ask a Question