Licensed In

California – Nevada – Arizona
Colorado – Idaho – Missouri –
Massachusetts – North Carolina –
Oklahoma – Oregon – Texas
South Carolina

Office Hours

Mon – Fri 9:00 – 5:00

CA Lic #0I16019

Call Us Today

805-301-9960

Medicare Annual Notice of Change (ANOC): What to Look For in Your 2025 Plan

Every fall, Medicare Advantage and Prescription Drug Plan members receive a document called the Annual Notice of Change (ANOC). This important letter details updates to your plan that will take effect in the coming year. If youre currently enrolled in Medicare, reviewing your ANOC carefully is one of the most important steps you can take to ensure your coverage still meets your needs.

At Hilgerman Insurance Solutions in Camarillo, we know that Medicare paperwork can be overwhelming. Thats why were here to help you understand what to look for in your 2025 ANOC—and how changes might affect your coverage into 2026.

 

How to Read the Annual Notice of Change

Your ANOC is mailed by the end of September each year. Inside, youll find a side-by-side comparison of your current years benefits with whats coming in the following year. As you read, pay close attention to:

  • Premiums and Monthly Costs – Check if your monthly premium, deductible, or maximum out-of-pocket costs are going up or down. Even small increases can add up over the year.
  • Prescription Drug Coverage – Review your medication list to see if drugs have moved to a higher tier, if copays are changing, or if new prior authorization requirements are being added.
  • Provider Network – Make sure your doctors, specialists, and preferred hospitals will still be covered under your plan.
  • Extra Benefits – Look at changes to vision, dental, hearing, and wellness perks. Some may be added, removed, or adjusted.

Taking the time to compare these sections helps you avoid surprises when the new year begins.

 

Whats Changing for 2026

Looking beyond 2025, there are upcoming Medicare changes in 2026 that current plan holders should keep in mind:

  • Drug Cost Reductions – The Medicare Part D $2,000 annual cap on out-of-pocket prescription drug costs goes into full effect in 2026, a major relief for seniors with high medication expenses.
  • Expanded Preventive Benefits – Plans are expected to broaden wellness services and chronic care management programs.
  • Network Adjustments – As insurers adapt to new rules, some provider networks may narrow or restructure, making it even more important to double-check your doctors remain in-network.

These changes make it especially important to evaluate your plan now so youre positioned well for 2026.

 

When to Consider Switching Plans

Not every change means you need to switch, but certain red flags in your ANOC should trigger a review of other options:

  • Your premiums or copays are increasing beyond your budget.
  • A medication you take regularly is moving to a more expensive tier or dropping from the formulary.
  • Your preferred doctor or hospital is no longer in the network.
  • Benefits you rely on (like dental or vision) are being reduced or eliminated.
  • You find that another plan in your area offers the same coverage at a better cost.

Even if your ANOC looks fine, its always wise to compare your plan to others available in Ventura County during Medicare Open Enrollment (October 15 – December 7).

 

Get a No Obligation ANOC Review with Hilgerman Insurance Solutions

Understanding your Medicare Annual Notice of Change can feel overwhelming—but you dont have to go through it alone. At Hilgerman Insurance Solutions, Deborah Hilgerman offers a No Obligation ANOC review consultation to help you interpret your 2025 notice, identify how upcoming 2026 changes may impact you, and explore whether switching plans could save you money or improve your coverage.

Call Deborah today to schedule your No Obligation consultation and make sure your Medicare plan works for you—not against you.

 

Hilgerman Insurance Solutions
www.HilgermanIns.com

Tap To Call