Every fall, millions of Medicare beneficiaries receive an envelope in the mail that could shape their healthcare for the next year. Inside that envelope is a document called the Annual Notice of Change (ANOC).

On the surface, it might look like just another piece of paperwork — but make no mistake, this is one of the most important documents you’ll receive all year. The ANOC tells you exactly how your current Medicare Advantage (Part C) or Medicare Prescription Drug Plan (Part D) is changing for the upcoming year.
 

Healthcare costs, prescription coverage, and provider networks are constantly evolving. What works for you this year may not work next year. Reviewing your ANOC gives you the chance to catch these changes early, avoid unpleasant surprises, and even shop around for a better plan if needed.
 

In this comprehensive guide, we’ll break down everything you need to know about the ANOC: what it is, why it matters, how to read it, common mistakes to avoid, and the steps you should take once you’ve reviewed it.