Medicare AEP Do’s & Don’ts For 2025 & ANOC Reminders

September means it’s time to check in on your Medicare coverage as we head into Annual Enrollment season.

This issue focuses on timely reminders and tips to help you avoid costly missteps, and maximize your benefits heading into 2026.

Follow These Medicare Do’s & Don’ts to Prepare for AEP

The Annual Enrollment Period (AEP) runs from October 15 through December 7 — your once-a-year opportunity to switch, drop, or update your Medicare Advantage or Part D prescription drug plan.

Each year, enrollees make avoidable mistakes that lead to surprise costs or limited access to care. Here’s how to stay ahead:

• Lean on CSG as your Medicare Partner : Ensuring that you are on the right plan for you is our top priority. Pay attention to our communications via Text, Phone, Email, Voice Messages, Newsletters, and Annual Retention Letter.
• Schedule an Appointment with An Agent: This helps us to review your current plan options and adjust as needed. There will be a hand-full of plans that are departing the market this year. If this applies to you, we’re ready to dig in and help you find a great plan.
• Read your Annual Notice of Change (ANOC): This is your plan’s summary of what’s changing for 2026. Don’t skip it.
• Don’t stay with your plan on autopilot: Medicare plans change every year—and your health needs might, too.
• Check your Medications and Doctors: Formularies and provider networks are often updated. Confirm your current needs are still covered. We will do this for you. Call today !
• Mark your Calendar: Missing the December 7 deadline could mean being locked into a plan that no longer works for you. Please Engage with us EARLY… like today! This allows us to assess your needs and compare plans for you.

Tip: Reach out to us early so we have plenty of time to help you review and select the right plan for you.

Your Medicare Plan’s ANOC: Read It Before Your Renew

By September 30, you should receive your Annual Notice of Change (ANOC) from your Medicare Advantage or Part D plan. This document highlights updates for the upcoming year, including:

• Premiums, deductibles, and copays
• Changes to drug coverage
• Network provider or pharmacy updates
• Added or removed benefits like dental, vision, or hearing

Even if you’re happy with your current coverage, it’s worth reviewing everything to ensure it’s still the right fit. Remember: you don’t need to re-enroll to stay in your current plan—but if changes affect your care or costs, we will help you shop suitable plans during Annual Enrollment Period (AEP).

Need a hand understanding what your ANOC means? Give us a call —we’ll walk through it together.

Tell Your Family, Friends, Neighbors About Us. We proudly boast that 96% of our clients stay with us year-to-year. Why is that? Simply put, we treat our clients like family! And… we are really, really good at what we do!

Your Medicare Team Is CSG Insurance Pros! 928-263-8500 / Services@csgplanners.com