• Skip to main content
  • Skip to secondary menu
  • Skip to primary sidebar
  • Skip to footer
MedicareWire

MedicareWire

Best Medicare plan, cost, and enrollment tools for seniors.

Speak with a Licensed Advisor[1]

1-855-728-0510 (TTY 711)

Mon-Sun, 8am to 11pm EST

  • Medicare Advantage
  • Special Needs
  • Medigap
  • Medicare Part D
  • More➲
    • Senior Dental Plans
    • Medicare Mistakes
    • What Does Medicare Cover?
    • Important Resources
    • Frequently Asked Questions
    • Medicare Glossary

Annual Notice of Change

by Ethan Bynon, October 1, 2021

What is the Annual Notice of Change?

An Annual Notice of Change (ANOC) is an official notice sent by Medicare AdvantageMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B). and Medicare Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each... plans to their members in late September. The notice provides a summary of the changes to coverages and costs in the upcoming year.1Medicare.gov, “Plan Annual Notice of Change“, Accessed September 14, 2021

Key Takeaways

  • An Annual Notice of Change notifies a Medicare Advantage or Part D plan member of changes to their coverages and costs.
  • Plan members receive an ANOC every September before the new year’s changes happen.
  • The new changes go into effect when the plan renews at the start of the year.

Do Medicare Plans Change Each Year?

Changes to a Medicare Advantage or Medicare Part D plan will be noted in the ANOC. The ANOC will tell beneficiaries what areas and services are still covered by their plan, as well as the costs1Medicare.gov, “Plan Annual Notice of Change“, Accessed September 14, 2021. The costs are deductiblesA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share., copaymentsA copayment, also known as a copay, is a set dollar amount you are required to pay for a medical service., and the monthly premiumsA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. 2Medicare.gov, “Medicare costs at a glance“, Accessed September 14, 2021.

Do Medicare Plans Renew Automatically Each Year?

Medicare Advantage and Medicare Part D plans automatically renew until their beneficiaryA person who has health care insurance through the Medicare or Medicaid programs. cancel or switch plans1Medicare.gov, “Plan Annual Notice of Change“, Accessed September 14, 2021. A beneficiary may encounter a situation where their Medicare plan cannot be renewed, such as moving to a new service area or if their plan is no longer available. If this happens they can request a Special Enrollment PeriodSpecial Enrollment Periods (SEPs) allow beneficiaries to change their Medicare Advantage and Part D plans due to a special circumstance. Common reasons for a SEP include moving, losing employer coverage, and Medicaid eligibility, to name... (SEP)3Medicare.gov, “Special circumstances“, Accessed September 14, 2021.

Citations

  • 1
    Medicare.gov, “Plan Annual Notice of Change“, Accessed September 14, 2021
  • 2
    Medicare.gov, “Medicare costs at a glance“, Accessed September 14, 2021
  • 3
    Medicare.gov, “Special circumstances“, Accessed September 14, 2021

Primary Sidebar

Top 10 Medicare Mistakes in 2023

  • Thinking It’s Free!
  • Forgetting to Sign Up at Age 65
  • Not Signing Up If You Are Still Working
  • Joining an MA Plan if You Have Chronic Health Conditions
  • Getting the Same Plan as Your Spouse
  • Not Leveraging Assistance Programs
  • Choosing the Wrong Medigap Plan
  • Not Reviewing & Understanding Your Coverage
  • Going Out-of-Network in Your MA Plan
  • Costly Financial Moves when You Retire

Latest Blog Posts

Why Can You be Denied a Medicare Supplement Plan?

Medicare Plan N vs Plan G: Which Supplement is Best for You?

How Does the Plan K Medicare Supplement Work?

9 Facts About High Deductible Plan G and How it Works

Medicare Supplement (Medigap) Plans: Coverage, Costs And Eligibility

Is Plan F Still Available in 2023?

What is the Cheapest Medicare Option?

Paying for Drugs When You Have a Medigap Plan

What Does Medicare Part B Excess Charges Mean?

What is Medicare Supplement Plan N and How Does it Compare?

Footer

About MedicareWire

  • About
  • Contact
  • Code of Conduct
  • MCMG Compliance
  • Privacy
  • California Consumer Privacy
  • Disclosure
  • Personally Identifiable Health Information

[1] Licensed Sales Agent

Licensed sales agent (“advisor”) services are provided by HealthCompare Insurance Services, Inc., MedicareWire’s trusted partner. Online enrollment services are provided by MedicareEnrollment.com, a HealthCompare affiliate. Read our full sales agent disclosure.

[2] Trademark Notice

MedicareWire uses legal U.S. trademarks to identify and describe Medicare and other insurance products for shoppers. See our full trademark use disclosure.

Medicare Plan Directories

  • Medicare Advantage
  • Special Needs Plans
  • Medigap Plans
  • Medicare Part D
  • Senior Dental Plans

Copyright © 2023 MedicareWire.com - All Rights Reserved
101 W Goodwin St #2487, Prescott, AZ 86302

MedicareWire.com is a non-government website and is not endorsed by the Centers for Medicare & Medicaid Services (CMS) or any other government agency. For official government information, please visit Medicare.gov (1-800-MEDICARE). By using MedicareWire.com you agree to our Terms of Service and Privacy Policy.

Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.