How to Understand Your Medicare Annual Notice of Change 

Medicare Annual Notice of Change

What is an Annual Notice of Change?


An Annual Notice of Change is a document you receive in the mail that explains the changes that your Medicare Plan has made. Some changes you can see on an ANOC letter are increases or decreases in your monthly premiums, charges (copays, deductibles, etc.) service area, and drug formulary.

When Do Changes Go into Effect?


If your plan makes changes, the modifications will go into effect as of January 1st the following year.

When Do I Receive My Annual Notice of Change?


You will receive your Annual Notice of Change each year during the month of September. You should receive you letter no later than September 30th.

Annual Enrollment is now closed.


If you are turning 65 soon or have just turned 65, you still must register for Medicare, even if you are working or already covered. Otherwise, you will be penalized for life for failure to enroll. Our service is free and you will never be charged by us.


CALL US TODAY: 877-795-9201

What Do I Do with My Annual Notice of Change?


As soon as you receive your Annual Notice of Change, you will want to review it thoroughly. Make sure you can afford the changes in costs. You will also want to make sure you are still within the plan’s service area. Look for any medications that you take that are being dropped or are moving from one tier to another which will affect your copay for that medication.

What If I Don’t Like the Changes?


If you are not okay with the Medicare plans changes, you can always switch plans. The reason your carrier must send you the ANOC in September is, so you have time to switch plans during the Annual Election Period (AEP).

What is the Annual Election Period?


Every year, Medicare offers this period during which people can change their Medicare Advantage plan to a different Medicare Advantage plan. If you have a stand-alone Part D drug plan, you can change to a different Part D drug plan.


The Annual Election Period begins on October 15th and ends on December 7th each year. Any plan changes you make during this period will go into effect on January 1st of the following year.


In some situation you can apply to move from Medicare Advantage to a Medigap plan during this period however, it’s important to note that the Annual Election Period has nothing to do with Medigap plans. Some people think that this period can also be used to switch Medigap plans without going through medical underwriting. That’s not the case.  If you have questions about when you can switch without medical underwriting, please feel free to contact us.

Medicare Annual Notice of Change
Medicare Annual Notice of Change

How Our Medicare Brokerage Can Help


If the explanation of changes worries you, or you simply find it all to confusing working with a benefits advisor like Make Medicare Work can help.
Our team can compare your options, provide a free drug plan analysis and provide an unbiased quote. We will make sure you have all the benefits you need at the lowest cost possible.

We will offer you a look at multiple Medicare Advantage and Part D plans that meet your requirements. This way you can review all the benefits and price quotes in one place.
An even better benefit when enrolling through the Make Medicare Work team is our Life Time Customer support. It is a completely free service we offer to all our clients. Whenever you have problems with doctor offices, coverage issues, or pretty much anything else dealing with your Medicare plan, our Team will be ready to assist you.



Do you think being organized makes your life easier and helps you make a better decision about your healthcare?


We understand this stuff is complicated. Sifting through the insurance carriers marketing material can be overwhelming. Gathering plan information, formularies and calculating co-pays is a pretty daunting task.


I know sometimes it feels easier to put your head in the sand than have to deal with the frustration of looking at your Medicare Annual Enrollment Options.  I felt this too when I was a caregiver for my grandmother. Back then I didn't have anybody to guide me and she missed out on benefits that would have made a difference in her care.  

Annual Enrollment is now closed.


If you are turning 65 soon or have just turned 65, you still must register for Medicare, even if you are working or already covered. Otherwise you will be penalized for life for failure to enroll. Our service is free and you will never be charged by us.


CALL US TODAY: 877-795-9201

We have found you can get More Benefits and/or Pay Less Money by taking a couple of minutes to get organized today with the right information.


This is why I now help people like you Empower Yourself to make Annual Enrollment painless and easy.


Our services are always free, really, they're free. We will never charge you a dime.

Meet Denise


Hi, I’m Denise Anderson

Medicare Annual Notice of Change

Medicare Supplement Accredited Advisor

Your Medicare Guru & Concierge

I am a mother, a daughter and a caregiver. I believe in treating others as you want to be treated. In our agency everyone is treated like family. 


I’m the Managing Broker at Make Medicare Work (a division of J. Johnston Ins. Svc, Inc.) and a Medicare Supplement Accredited Advisor.

My agency has helped thousands of Medicare beneficiaries properly enroll in Medicare and understand their benefits options at no charge. Collectively, my team has nearly 100 years of experience.

Medicare Annual Notice of Change

I am a member of the Medicare Benefits Association as well as California Health Underwriters and National Health Underwriter association.


These organizations work tirelessly to help protect and improve Medicare.