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Understanding Your ANOC for Medicare Advantage & Part D Drug Plans

Medicare Bob
medicare advantage
An Annual Notice of Change should tell you everything you need to know about your Medicare benefits, covered drugs and premium changes.
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Have you received your ANOC for your Medicare Advantage (MA) or Part D plan? Medicare plans typically send this Annual Notice of Change in late September.

The ANOC summarizes your formulary (list of covered drugs), benefits and premium changes. It’s important to note that if you have a Medicare Supplement plan, you will not receive an ANOC.

Let’s talk about what your ANOC covers and help you find out when you should receive this notice.

Review Your Annual Notice of Change (ANOC)

When you receive your ANOC, you should review it as soon as possible. Any Medicare coverage and cost changes will be effective the following January. so consider your health care needs for the next year. Some questions you may want to consider include:

  • Will you have any surgeries or medical procedures next year? If yes, you may need a specialist outside your current network. As a result, you may need to change your network to reduce out-of-pocket costs.

  • Does your current plan offer you the benefits you want? MA plans may offer additional benefits.

  • Does your MA plan require referrals? You can change your plan from an HMO to a PPO. That way, you won’t need referrals from your primary care physician.

  • How much is your out-of-pocket limit? MA plan limits can change from year to year. If the limit of your current plan is too high, you can change your MA plan to lower your out-of-pocket limit.

If you don’t receive your ANOC letter in the mail, please contact your plan provider.

Check Your Health Care Providers

Health care providers can leave a plan's network at any time, so it's a good idea to ensure your providers accept your current plan.

For example, your doctor may have left your MA network. To keep your provider, you can change your MA plan during the Annual Election Period from Oct. 15 to Dec. 7.

Shop Medicare Advantage Plans

Some MA plans may be more cost-effective than others. You can lower your out-of-pocket costs by shopping for more efficient plans.

If you expect next year's health care bills to be higher than last year, you may need an MA plan with lower out-of-pocket limits.

Shop Part D Drug Coverage Plans

Has your doctor prescribed drugs not covered by your Medicare Part D drug plan? Write a list of all your medications and compare them to your ANOC formulary. If your current drug plan is missing coverage, you can change it.

The licensed agents at Senior Healthcare Direct can help you shop for the right plan for you. To discuss any changes to your plan or coverage for prescription drugs, call Senior Healthcare Direct at 1-833-463-3262, TTY 711 to speak with a licensed agent, or click here to get your quote.

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