What is the ANOC?

The ANOC is a letter from your current plan—either a Medicare Part D prescription drug plan or a Medicare Advantage (MA) plan—spelling out any updates that will take effect on January 1. Plans may change premiums, deductibles, copays, the drug formulary, provider or pharmacy networks, and more.

When will my ANOC letter arrive?

Each September, your Medicare plan mails you an Annual Notice of Change (ANOC) letter. It explains how your benefits, costs, or network will change starting January 1 of the next year.

Note: Medigap (Medicare Supplement) plans are standardized by the federal government, so their benefits do not change yearly and are not included in the ANOC.

What might change?

• Premiums — your monthly cost could increase.
• Deductibles — the amount you pay before coverage kicks in may go up.
• Copays or coinsurance — out-of-pocket costs at the pharmacy or doctor could change.
• Network updates — your preferred doctor, hospital, or pharmacy might move out of network or lose “preferred” status.
• Formulary changes — some prescriptions may be covered differently or move to a higher tier.
• Prior authorization rules — certain medications may now require approval before you can fill them.

Key dates to remember!

• October 1: Next year’s plan details are available—perfect time to compare options.
• October 15 – December 7: Medicare’s Annual Enrollment Period (AEP). If you want to switch plans, this is your window.
• January 1: Any changes you chose (or your plan made) take effect.

What should you do?

1. Open and read your ANOC letter as soon as it arrives.
2. List anything that affects you (doctors, pharmacies, medications, premium).
3. Run a fresh comparison in October so there are no surprises in January.
4. If something looks off—or you’re unsure—reach out. We’ll translate the fine print and help you decide.

We’re here to help!

If you have questions about your ANOC or want a no-cost review of your Medicare options for next year, contact Ricky Credille Insurance. We’ll help you compare plans and enroll during the October 15–December 7 enrollment window.