Medicare Annual Review Guide
How to Read Your Annual Notice of Change
How to Read Your Annual Notice of Change
Every September, your Medicare plan provider sends a critical document detailing changes to your costs, covered medications, and doctor networks for the upcoming calendar year. Here is what to look for and how to protect your coverage.
Monthly Premiums & Deductibles
Monthly Premiums & Deductibles
Check if your monthly plan payment, maximum out-of-pocket limit, or annual deductible is going up on January 1st.
Check if your monthly plan payment, maximum out-of-pocket limit, or annual deductible is going up on January 1st.
Prescription Drug Formulary
Prescription Drug Formulary
Look up your specific medications. Verify if any prescriptions moved to a higher copay tier or require new prior authorization.
Look up your specific medications. Verify if any prescriptions moved to a higher copay tier or require new prior authorization.
Doctor & Pharmacy Networks
Doctor & Pharmacy Networks
Confirm your primary care physicians, specialists, and preferred local pharmacies remain in your plan network.
Confirm your primary care physicians, specialists, and preferred local pharmacies remain in your plan network.
Did Your Plan Change?
If your costs increased or your doctor left the network, you can switch plans during the Medicare Annual Enrollment Period (October 15 – December 7).
Schedule a Zero-Cost Plan Review
The Rock Insurance Agency is a licensed independent brokerage. This guide is educational and does not replace official plan documents.