It's important to review your Medicare plan each year during Open Enrollment Period
(OEP).

Your Medicare plan will send an Annual Notice of Changes (ANOC) letter in September,
which outlines changes that begin in January:

Coverage
Look for coverage additions and removals. Make sure services and medications you need
are still covered, and review updated coverage terms.

Consider: Have my health needs changed, and is my coverage sufficient?

Cost (premiums, deductibles, copays)
Information will be included about the new new out-of-pocket maximum, which may
affect your overall expenses.

Consider: Are my premiums changing or staying the same?

Drug formulary (covered drug list)
Make sure your medications are still covered, and check if theyÿve moved to a different
tier, which could affect the cost.

Consider: Are my medications still on the planÿs covered drug list? How has the drug
formulary changed?

Provider and pharmacy network
Make sure your providers and hospitals are still in-network, and any specialists you see
regularly are still covered. Preferred Network Pharmacies may help you save on money
with low-cost copays.

Consider: Is my pharmacy in the planÿs network?

I have a personal assistant who calls herself "Medicare Marcie". I meet with Marcie at
this time every year and she helps me decide which provider is best for me, based on
the medications I take.

Mike Dippel

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