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What changes can I expect to find in my Medicare plan's Annual Notice of Change (ANOC) letter?


Your Medicare Part D or Medicare Advantage plan can change every year and your Medicare plan is required to summarize any plan changes in your Annual Notice of Change letter (ANOC) that you should receive in the mail late-September or early-October.   If you have not received your plan’s ANOC letter, please call your plan’s Member Services department and ask for another copy of the ANOC - the toll-free telephone number for Member Services can be found on your Member ID card.

What year-to-year changes can you expect in your Medicare Part D or Medicare Advantage plan?  Here are a few example:
  • Monthly plan premiums can increase (or decrease) (for example, increasing from $44 to $55 per month),

  • Initial drug deductibles can increase (for example, increasing from $445 to $480),

  • Initial coverage limits (drug coverage before entering the Donut Hole and receiving a 75% discount on all formulary drugs),

  • Prescription drugs that are covered by your plan (the size of the plan's formulary and changes in coverage of specific brand-name and generic drugs - for example, your Tier 1 generics may be moved to Tier 2 Non-Preferred Generics),

  • Drug coverage costs or cost on each formulary tier  (what you pay for your drugs - such as a $5 co-pay or 25% co-insurance),

  • Drug usage management restrictions (for example, does your drug now have a Quantity Limit or require Prior Authorization?),

  • Pharmacy networks (usually a Medicare drug plan will expand their pharmacy network each year and may change standard or preferred pharmacies),

  • Healthcare provider networks (for Medicare Advantage plans doctors or specialists can be added - or removed from your plans "in-network" coverage),

  • Co-payments for medical treatment (for Medicare Advantage plans your healthcare costs can change year-to-year), and

  • Your Medicare Advantage plan’s Maximum Out-of-Pocket (MOOP) spending limit for in-network, eligible Medicare Part A and Part B coverage..
Important:  Studies show that most people (about 70%) do not change their Medicare Part D or Medicare Advantage plan each year, even if they can save money on their prescription and medical costs - and we can appreciate that, for some people, the value of consistency outweighs the potential for savings - however, we want to remind you that, if you decide to stay with your current Medicare plan into next year, your Medicare plan coverage and costs can change, so please take time to know how your current Medicare plan is changing next year.
  • How might your Medicare plan change next year and how many people will be affected by the change?  See our example from 2022: https://Q1News.com/918.html
Bottom Line: If you do not enroll into a new Medicare Part D plan or Medicare Advantage plan during the annual Open Enrollment Period (or a Special Enrollment Period), you will be automatically re-enrolled into your current Medicare Part D or Medicare Advantage plan for another year and your Medicare plan next year may cost you more money and provide different coverage than are finding this year. If your current Medicare plan is being terminated next year and you are not merged or “crosswalked” to another Medicare plan, you may be without Medicare plan coverage on January 1st.

The Good News: After receiving your ANOC letter in September or early-October, you will have plenty of time to review your Medicare plan coverage options during the annual Open Enrollment Period that begins every year on October 15th and continues through December 7th.

Need a fast way to see how your Medicare Advantage or Medicare Part D plan is changing next year?

Our PDP-Compare and MA-Compare tools allow you to compare changes in all stand-alone Medicare Part D prescription drug plans (PDPs) or Medicare Advantage plans (MAs or MAPDs) across the country.

Our comparison tools show changes in monthly premiums and plan designs, as well as changes in co-payments or co-insurance rates for different drug tiers.

Both the PDP-Compare and MA-Compare tools also show the Medicare Part D plans or Medicare Advantage plans that will be discontinued or added next year.  The MA-Compare tool includes links to the health coverage details of all Medicare Advantage plans.

Example of PDP-Compare - Showing how stand-alone Medicare Part D plans can change year-to-year.

PDP-Compare showing an example of how Medicare Part D plans can change year to year

Example of MA-Compare - showing how Medicare Advantage plans can change year-to-year.

MA-Compare showing an example of how Medicare Advantage plans can change year to year






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Tips & Disclaimers
  • The Medicare Advantage and Medicare Part D prescription drug plan data on our site comes directly from Medicare and is subject to change.
  • Medicare has neither reviewed nor endorsed the information on our site.
  • We provide our Q1Medicare.com site for educational purposes and strive to present unbiased and accurate information. However, Q1Medicare is not intended as a substitute for your lawyer, doctor, healthcare provider, financial advisor, or pharmacist. For more information on your Medicare coverage, please be sure to seek legal, medical, pharmaceutical, or financial advice from a licensed professional or telephone Medicare at 1-800-633-4227.
  • We are an independent education, research, and technology company. We are not affiliated with any Medicare plan, plan carrier, healthcare provider, or insurance company. We are not compensated for Medicare plan enrollments. We do not sell leads or share your personal information.
  • Benefits, formulary, pharmacy network, provider network, premium and/or co-payments/co-insurance may change on January 1 of each year. Our PDP-Compare.com and MA-Compare.com provide highlights of annual plan benefit changes.
  • The benefit information provided is a brief summary, not a complete description of benefits. For more information contact the plan.
  • Limitations, copayments, and restrictions may apply.
  • We make every effort to show all available Medicare Part D or Medicare Advantage plans in your service area. However, since our data is provided by Medicare, it is possible that this may not be a complete listing of plans available in your service area. For a complete listing please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day/7 days a week or consult www.medicare.gov.
  • When enrolling in a Medicare Advantage plan, you must continue to pay your Medicare Part B premium.
  • Medicare beneficiaries with higher incomes may be required to pay both a Medicare Part B and Medicare Part D Income Related Monthly Adjustment Amount (IRMAA). Read more on IRMAA.
  • Medicare Advantage plans that include prescription drug coverage (MAPDs) are considered Medicare Part D plans and members with higher incomes may be subject to the Medicare Part D Income Related Monthly Adjustment Amount (IRMAA), just as members in stand-alone Part D plans. In certain situations, you can appeal IRMAA.
  • You must be enrolled in both Medicare Part A and Part B to enroll in a Medicare Advantage plan. Members may enroll in a Medicare Advantage plan only during specific times of the year. Contact the Medicare plan for more information.
  • If you are enrolled in a Medicare plan with Part D prescription drug coverage, you may be eligible for financial Extra Help to assist with the payment of your prescription drug premiums and drug purchases. To see if you qualify for Extra Help, call: 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24 hours a day/ 7 days a week or consult www.medicare.gov; the Social Security Office at 1-800-772-1213 between 7 a.m. and 7 p.m., Monday through Friday. TTY users should call, 1-800-325-0778; or your state Medicaid Office.
  • Medicare evaluates plans based on a 5-Star rating system. Star Ratings are calculated each year and may change from one year to the next.
  • A Medicare Advantage Private Fee-for-Service plan (PFFS) is not a Medicare supplement plan. Providers who do not contract with the plan are not required to see you except in an emergency.
  • Disclaimer for Institutional Special Needs Plan (SNP): This plan is available to anyone with Medicare who meets the Skilled Nursing Facility (SNF) level of care and resides in a nursing home.
  • Disclaimer for Dual Eligible (Medicare/Medicaid) Special Needs Plan (SNP): This plan is available to anyone who has both Medical Assistance from the State and Medicare. Premiums, co-pays, co-insurance, and deductibles may vary based on the level of Extra Help you receive. Please contact the plan for further details.
  • Disclaimer for Chronic Condition Special Needs Plan (SNP): This plan is available to anyone with Medicare who has been diagnosed with the plan specific Chronic Condition.
  • Medicare MSA Plans combine a high deductible Medicare Advantage Plan and a trust or custodial savings account (as defined and/or approved by the IRS). The plan deposits money from Medicare into the account. You can use this money to pay for your health care costs, but only Medicare-covered expenses count toward your deductible. The amount deposited is usually less than your deductible amount, so you generally have to pay out-of-pocket before your coverage begins.
  • Medicare MSA Plans do not cover prescription drugs. If you join a Medicare MSA Plan, you can also join any separate (stand-alone) Medicare Part D prescription drug plan
  • There are additional restrictions to join an MSA plan, and enrollment is generally for a full calendar year unless you meet certain exceptions. Those who disenroll during the calendar year will owe a portion of the account deposit back to the plan. Contact the plan provider for additional information.
  • Medicare beneficiaries may enroll through the CMS Medicare Online Enrollment Center located at www.medicare.gov.
  • Medicare beneficiaries can file a complaint with the Centers for Medicare & Medicaid Services by calling 1-800-MEDICARE 24 hours a day/7 days or using the medicare.gov site. Beneficiaries can appoint a representative by submitting CMS Form-1696.