Guide to your 2026 Medicare Annual Notice of Change (ANOC)
At MyPHSS, we strive to help Medicare beneficiaries in the Tampa Bay region—including areas like Clearwater, Wesley Chapel, St. Petersburg, and Brooksville—understand crucial updates to their health coverage. This article, “Guide to your 2026 Medicare Annual Notice of Change (ANOC),” will walk you through what an ANOC is, why it matters, and how to act before the new plan year begins.
I intend to answer most of your questions in this article, but if I miss something, please email me at support@myphss.com, and I will answer your question.
Table of Contents
What Is the Medicare Annual Notice of Change (ANOC)?
The Annual Notice of Change (ANOC) is a letter that Medicare Advantage (Part C) and Part D prescription drug plans are required to send every fall, usually arriving sometime in September. The letter will explain all the upcoming changes in your plan, which will take effect on January 1.
Original Medicare (Parts A & B) and Medigap plans don’t issue an ANOC, since these are standardized plans that don’t change annually.
Why the ANOC Matters to Tampa Bay Residents
If you’re on a Medicare Advantage or a Part D drug plan, that Annual Notice of Change letter isn’t just junk mail; it’s essential. Every fall, your plan sends this out to let you know what’s changing for the upcoming year. And trust me, even small changes can make a big difference in your budget and healthcare.
For example, you might see your monthly premium go up, or the cost of your medications shift. Your plan may add, remove, or change the coverage of dental or vision benefits, or how your prescriptions are handled. These aren’t just numbers on paper—this affects how much you pay and what care you can access.
Here in the Tampa Bay area, we also have to think about local provider networks. Doctors, specialists, hospitals, and even pharmacies can come and go from a plan’s network every year. That means the provider you’re seeing now may not be in your plan next year, and the only way to find that out early is by reading your ANOC. It’s better to know in advance than to show up at your doctor’s office in January and find out they don’t take your insurance anymore.
And if the changes don’t work for you, if your doctor is dropping out, your meds aren’t covered the same way, or your costs are just too high, you’re not stuck. You’ve got options.
The Annual Enrollment Period runs from October 15 to December 7, and that’s your chance to shop around and make a switch. If you find a plan that better fits your needs for 2026, you can make that change and have your new coverage start January 1.
So don’t ignore that envelope. That ANOC might be the key to saving money or getting better coverage next year.
✅ What You’ll Find in an ANOC Letter
When your ANOC arrives, here’s what to look for:
Changes in Plan Costs
Updates to your monthly premiums, deductibles, and maximum out-of-pocket (MOOP) amounts
Part D drug plans now include an annual cap on out-of-pocket drug expenses, replacing the “donut hole”.
• Prescription Drug Formulary Adjustments
Changes to your drug list—some medications may be added, removed, shift tiers, or gain new restrictions like prior authorization
Many plans now offer a Monthly Medicare Prescription Payment Plan option to help manage drug costs over time
• Provider & Pharmacy Network Updates
Confirmation of changes to your network of doctors, hospitals, and pharmacies for the upcoming year
• Supplemental Benefits Overview
Any adjustments to extra services—like dental, vision, hearing, or fitness—will be detailed
🧾 What to Do When You Get Your ANOC
Here’s your local step-by-step action plan:
Open and Thoroughly Review
Don’t just glance—check what’s changing in coverage, costs, and networks.Compare Plans in Your Area
Many companies offer multiple options; it’s essential to compare your current plan with what’s available in your community.Check Your Providers & Pharmacies
Make sure your favorite doctors or pharmacies are staying in-network—Tampa’s options can vary and may fill up fast.Consider Changing Your Plan
If the new terms don’t serve you, remember: You can switch plans from October 15 to December 7, with new coverage kicking in Jan. 1.Reach Out for Help
Contact us at 813-539-0071 to schedule a no-obligation review of your coverage.
As a Medicare beneficiary in Tampa Bay, your Annual Notice of Change (ANOC) is your annual healthcare check-in—it keeps you informed of adjustments to your coverage and gives you a choice. By reading it carefully, comparing plans, checking your providers, and acting before December 7, you make sure your coverage matches your needs for the year ahead.
If anything’s unclear or you’d like help navigating your ANOC, I’m always a message away at support@myphss.com or by scheduling an appointment with me directly.
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If you need assistance using our online calendar, please call 813-539-0071 or email us at support@myphss.com
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We are a locally owned family insurance agency that has been serving our community since 2012. As independent brokers, we don’t work for just one company. We shop around to find the most affordable plans in Florida based on your needs.
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To make the most of your appointment with MyPHSS, it’s helpful to have a few key items ready. Whether we’re meeting in person or over the phone, being prepared allows us to give you the best advice based on your unique situation.
Here’s what to have on hand:
📄 Current insurance paperwork (including Medicare, supplemental, or Advantage plans)
🪪 Your Medicare card and state-issued ID
💊 A list of your prescriptions and over-the-counter medications
👩⚕️ Names of your current doctors, specialists, and medical facilities
❓ Any questions you’d like to ask—it’s easy to forget them during the conversation, so jot them down ahead of time!
Our goal is to make this process simple, personal, and stress-free. Whether you’re exploring new coverage, comparing plans, or looking for cost-saving options, we’re here to help every step of the way.
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We proudly serve the Tampa Bay area and offer assistance statewide by phone.
At MyPHSS, we are independent insurance brokers, which means we’re not tied to just one company. Instead, we represent all the major insurance carriers available in Florida, so you can compare options and choose the plan that’s right for you—not the one a company is trying to push.
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Because every person’s needs are different, we focus on what’s best for you, not what’s best for the insurance companies. Whether you’re looking for a Medicare Advantage plan, a Medigap policy, a final expense plan, or dental coverage, we’ll help you compare side by side and choose with confidence.
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No matter where you live in Florida, MyPHSS is here to help protect your golden years.
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We proudly serve seniors across the Tampa Bay area, including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties.
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At MyPHSS (Protecting Your Golden Years), we help Florida seniors feel confident and prepared for retirement by offering personalized insurance solutions and guidance—at no cost to you.
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We proudly serve the Tampa Bay area—including Pasco, Hernando, Pinellas, Hillsborough, Citrus, and Polk counties—and offer remote help across the entire state of Florida.
For the Tampa Bay area, please contact your local agent at 813-539-0071
When you schedule an in-person appointment with MyPHSS, one of our licensed local agents will visit you at your home—at a time that’s convenient for you. Appointments usually last about 1 to 2 hours, depending on your questions and needs.
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