Maximize Your Medicare

Are you getting the most from your Medicare plan? It’s a good idea to spend a bit of time reviewing your coverage each year. Knowledge is power, right? Empower yourself by becoming familiar with need-to-know information that can help guide your Medicare choices and decisions.

To help you understand any changes to your plan and your benefits, there are two documents that provide answers – Annual Notice of Change and Evidence of Coverage.

What is an Annual Notice of Change?

The Annual Notice of Change (also called ANOC), outlines benefit changes that current members will see in the next contract year.

Here’s some samples of information you might find in your ANOC, if they are happening:

• The health plan that sponsors the plan may change the name of the plan
• The plan charges for premiums, deductibles, copayments, and coinsurance may change – along with any changes to covered prescription drugs or cost sharing*

What is an Evidence of Coverage?

The Evidence of Coverage (also known as EOC) explains complete coverage for the plan in which a member is enrolled.

Information you will find in your EOC includes:

• Important phone numbers and contact information
• Your medical benefits chart (what is covered and what you pay)
• What to do if you have a question
• Definitions of important words

When Will I Receive the Documents?

As a Medicare member you will receive your ANOC via mail by Sept. 30. Other member materials such as the EOC, pharmacy directory and provider directory can be easily accessed online at www.bcbstx.com/medicare. Changes and benefits outlined in the material you receive in September will become effective the first of the new year.

Now You’re Informed

We’re here for you if you have questions. Call the customer service number listed on the back of your member ID card.

* https://www.medicare.gov/basics/forms-publications-mailings/mailings/costs-and-coverage/upcoming-plan-changes 

Important Plan Information
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Originally published 10/12/2018; Revised 2021, Reviewed 2022