Every fall, Medicare beneficiaries receive an Annual Notice of Change (ANOC) from their current plan provider.
The ANOC outlines any changes to your plan for the upcoming year—such as premiums, copays, coverage, and provider networks. It typically arrives in September, and reviewing it is essential. If you don’t receive an ANOC, that could be a sign your plan is not being renewed for 2026. In that case, you’ll need to explore new coverage options to avoid a gap in care. Don’t ignore this notice—it’s your first clue about whether your current plan will still meet your needs next year.
Importance of a Broker — and How OneGroup Can Help
This year, Medicare plans are undergoing major changes, and it’s not the time to assume your current plan is still the best fit. Auto-renewing without a review could mean higher costs or reduced coverage.
That’s where OneGroup comes in. Our experienced team is here to help you navigate these changes with confidence. We take the time to understand your specific needs—like your preferred doctors, prescription medications, and budget—and recommend plans that align with those priorities.
OneGroup’s Medicare team stays up to date on all the plan changes and can help you avoid costly mistakes. Whether your plan is changing or ending, we’ll guide you through your options and make sure you’re covered appropriately for 2026.
Part D: Prescription Drug Coverage Changes
The most significant updates this year are happening in Part D prescription drug coverage. The way plans cover medications is changing, and that could impact your out-of-pocket costs in a big way.
It’s critical to compare your current medications against 2026 plan formularies. Even small changes in coverage tiers or copays can add up. Don’t assume your prescriptions will be covered the same way—verify and compare to avoid surprises at the pharmacy.
OneGroup can help you run a personalized prescription drug analysis to ensure you’re choosing a plan that keeps your medication costs manageable.
Important Dates & Deadlines
- Annual Election Period (AEP): October 15 – December 7
- Broker consultations begin: October 1
The AEP is your window to make changes to your Medicare coverage, but don’t wait until the last minute. With so many changes this year, most people will need to actively review and update their coverage.
If your current plan is ending, you may qualify for a Special Enrollment Period, giving you more time to choose a new plan. Still, it’s best to start early.
To Learn More
Click here to register for OneGroup’s upcoming “How to Navigate the Medicare Annual Enrollment Period” webinar or call 800-269-1830 and talk to our Medicare team to ensure you have time to make an informed decision.
We are not a government agency. We are licensed insurance agents who discuss insurance programs such as Medicare Advantage, Medigap, and Medicare Part D Prescription Drug Coverage. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-Medicare to get information on all of your options.
This content is for informational purposes only and not for the purpose of providing professional, financial, medical or legal advice. You should contact your licensed professional to obtain advice with respect to any particular issue or problem. Please refer to your policy contract for any specific information or questions on applicability of coverage.
Please note coverage can not be bound or a claim reported without written acknowledgment from a OneGroup Representative.