Annual Notice of Change (ANOC)
Your annual notice of change letter is the document that describes the changes that will happen to your for the next calendar year
You should receive your ANOC from both your MA and prescription drug plan (PDP) companies in late September.
Be sure to keep all of the paperwork you receive from your plan sponsor.
Disenrollment Notices
Some MA plan members will be receiving disenrollment notices.
Idaho and Montana are going to be particularly affected. There are two reasons for receiving a disenrollment notice.
- Reason #1: Acme health, for example, is either exiting your county or state altogether. They’re done. You will not be enrolling in a different Acme Health plan for 2027.
- Reason #2: Wonder Health is staying in the market, but they will drop your plan. Instead, they have created new 2027 plans. Since the new plans are enough different from your 2025 plan, Medicare requires you to apply for one of their new plans.
There are two variations. Wonder Health may pull out of counties A, B, and C but remain in counties D, E, F, and G. If you live in counties A, B, and C, there will be no Wonder Health plan in your county for 2027
If you receive a disenrollment notice, here are your options.
Option # 1: You can enroll in another MA plan in your county if other MA plans are available.
Option #2: You have guarantee issue (GI) rights to enroll in certain lettered Medicare supplement plans. GI means that you
cannot be turned down due to any health reasons. When we do a GI Medicare supplement application, we attach a copy of your MA disenrollment notice. That’s why it’s
so important for you to keep those notices.
There are two sets of GI rules.
- Rule #1 is for those who turned 65 prior to January 1, 2020. The Medicare supplement plan letters eligible for GI are A, B, C, F, K, and L. Plan F will have the highest premiums and best benefits. Plan K will have the most minimal benefits and the lowest premiums. The latter is still a good option for budget-minded members.
- Rule #2 is for those who turned 65 after January 1, 2020. The Medicare supplement plan letters eligible for GI are A, B, G, K, and L. Plan G will have the highest premiums and best benefits. As in Rule #1, Plan K is still a good option for budget-minded members.
To maintain your prescription coverage, you will need to sign up for a stand-alone Part D prescription drug plan.
Option #3: If you do not choose Options 1 or 2, you will be kicked back to Original Medicare as of January 1, 2026. If your MA plan was an MAPD (with prescription drugs) you will need to sign up for a stand-alone PDP.
Confused?
If you receive a disenrollment notice from your Medicare advantage sponsor and think all of the above is a confusing mish-mash, I couldn’t agree with you more. It is.
The good news is that you can call us with any questions, and we will do our best to guide you through the next phase of your Medicare journey.
Lastly, be sure to
keep all paperwork you receive from your MA plan sponsor. End