Medicare - What Is ANOC And How Does It Affect You?

ANOC is an abbreviation for Annual Notice Of Change.

The Annual Notice of Change (ANOC) may be considered the most important mailing you'll receive from your Medicare plan each year, and you should definitely read it.

If you are currently enrolled in a Medicare Advantage Plan or a stand-alone Part D prescription drug plan, then you should receive a plan "Annual Notice of Change" (ANOC) and/or *Evidence of Coverage (EOC) from your plan each fall no later than September 30. If you do not receive an ANOC from your plan by the first week of October you should call your plan’s member service phone number on the back of your member ID card.

The ANOC notices include a summary of any changes to your plan’s list of covered drugs (known as a formulary), copays, coinsurance, deductibles, other health benefits, and premium costs that will be effective January 1st of the next year. It is important for you to read your mail from your plan to see if there are any changes that may affect you. The fact is that almost every plan makes some changes for the new year, so the costs and benefits in place on December 31 may well be dramatically different on January 1. Review any changes to decide whether the plan will continue to meet your needs in the next year.

*Evidence of Coverage is a more comprehensive list of the plan’s cost and benefits for the upcoming year.


Note: If you feel your current plan will not meet your needs for the upcoming year, feel free to call me at 941-404-5334 to set up an appointment where we can review some different plans together that you feel may fit your needs better.

All this Medicare information can be overwhelming and confusing to many people. As an independent licensed agent I can explain all this to you in simple terms so you feel comfortable making a decision. Then I can help you choose and enroll in a different plan that you feel may fit your needs better.

By the way, it doesn’t cost you any more if you enroll through me as an independent agent versus directly with an insurance company either over the phone or via the Internet since I get paid by the insurance companies for your enrollment. Plus you will have personalized service by a local agent. If you would like my assistance, please call me at 941-404-5334.

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