Medicare Cafe


As we approach the Medicare annual election period (AEP) that runs from October 15 thru December 7, you will receive a ton of mail from Medicare and prescription drug plans.

What you do with all this mail is up to you, but there is one piece of mail you need to pay attention to and read: your Annual Notice of Change.

(ANOC) Annual Notice of Change

Your Annual Notice of Change will include information about changes in your plan’s service area, coverage, or cost. All changes noted in the letter will take effect on January 1 2023.

What to look for in your Annual Notice of Change (ANOC)


Is your monthly premium increasing? Last year one of the companies increased its premium by almost $50.00 a month.

Pharmacy Network and Drug Formulary

Is your preferred pharmacy still in the plan’s network? Are the costs of any of your prescription drugs increasing?

Make sure you take the time to understand any of your plan changes to avoid surprises on January 1. If you would like to make any changes, call or email me.

You will also be bombarded with information regarding Medicare Advantage Plans. Unfortunately, there are many half-truths in this advertising.

When a person enrolls in a Medicare Advantage Plan, the plan is now 100% responsible for that person’s health care. Because of this, the plan receives cash payments from the federal government, which is why you will see so much advertising.

If you have questions or concerns, call (970) 773-0220 or email me at

Lew Barr

Independent Insurance Agent