What Is the Medicare ANOC Letter and Why Did I Get One?
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What Is the ANOC Letter?
ANOC stands for Annual Notice of Change. It is a letter that Medicare Advantage plans and Medicare Part D (prescription drug) plans send out once a year. It tells you what is changing about your plan for the next year.
Why Did I Get One?
If you are enrolled in a Medicare Advantage plan or a Part D plan, your plan is required to send you this letter every year. Getting one does not mean something is wrong. It means your plan year is ending and a new one is about to start.
What the Letter Usually Covers
The ANOC is meant to show you what changed and what your plan will cost you next year. Because every plan is different, the exact numbers, drug list changes, and network changes will be in your own letter — not in this guide.
- Changes to costs
- Changes to coverage
- Changes for the coming year compared to this year
The Dec 7 Deadline
You have until Dec 7 to settle what you want to do about your plan for next year. This guide does not tell you what your specific deadline questions should be — that depends on what is written in your own ANOC letter.
What Is Not Covered Here
This page is general information only. It is not insurance advice and this tool is not affiliated with Medicare. It cannot tell you what your plan will actually cost or whether you should switch plans. For that, you need to read your own letter, and you should confirm anything important directly with your plan or with Medicare.
What to Do Next
The free tool that comes with this guide reads your own ANOC document. Paste in your letter, and it will help you see what changed and what it may cost you next year, based only on the numbers in your own paperwork — not guesses. Always double-check anything important with your plan or with Medicare before you decide.