Each September, individuals currently enrolled in a Medicare Advantage (Part C) or Medicare Part D Prescription Drug plan will receive by mail a document called Annual Notice of Change (ANOC.)
The ANOC document spells out upcoming changes to the plan you are currently enrolled in and compares those changes to the current year.
Important Points:
- The ANOC will be mailed by the insurance plan and should arrive by September 30th. Please do not discard this as junk mail. We advise you to read this carefully and make note of any premium, benefit and/or cost changes planned for the upcoming year.
- Your ANOC document is specific for the plan you are enrolled in. If your spouse is enrolled in a different plan, their notice will be different.
- The document will state that if you take no action during the Annual Enrollment Period, your plan will automatically be renewed January 1 with the new terms.
- If your Medicare Advantage or Part D drug plan is being discontinued in 2027, you will receive by October 2 a Notice of Termination instead of the Annual Notice of Change. That plan termination notice must include a list of other plans offered in your county.
What the ANOC Does Not Include:
- The ANOC does not include a list of Medicare Advantage plan’s network of providers and facilities. We advise you double check with your agent to confirm that your current providers will remain “in-network” with the specific plan name.
- The ANOC is not a substitute for the Medicare Advantage or Part D prescription drug plan’s formulary of covered medications and tier levels. We advise you double check with your agent to confirm whether your current medications will be included in the plan’s formulary for the next years and, if so, the medication’s assigned tier level.
- The ANOC does not provide information on any other plan that may be available to you. All of the plans available in your county are published online at medicare.gov
The Calendar:
October 1: This is the first day when we can discuss with you other 2027 plans available in your area.
October 15 – December 7: This is the 2027 Medicare Annual Enrollment Period. During this period, you can enroll in or change your Part C Medicare Advantage or Part D Medicare Prescription Drug plan.
Questions? Our team of local, licensed and independent agents are available to assist. Just send a quick note and s/he will be gald to get back to you.