Medicare Advantage

Service Description

Changes to Medicare Advantage plans can be a surprise, but they're a normal part of the annual cycle. Every year, plans can adjust their costs, benefits, and/or provider networks, and sometimes a plan may be discontinued entirely, so it is important to understand what your Health Insurance Options are. Your first step should be to carefully review your Annual Notice of Change (ANOC), which your carrier is required to send by September 30. This document will detail all the upcoming changes for the next year. If you find that the changes won't meet your needs—for example, your doctor is no longer in-network, or your prescription drugs are no longer covered at the same cost—you have a chance to review the options available in your area during the Medicare Annual Enrollment Period (October 15 to December 7). In some cases, such as if you move out of your plan's service area or a plan is terminated, you may qualify for a Special Enrollment Period, which allows you to make changes outside of the standard enrollment times.