A prescription plan that works for you

Aetna member, husband: Well, whatcha got there?

Aetna member, wife: I’m not sure. I’m trying to figure it out.

Aetna member, husband: Why don’t you give them a call?

Aetna member, wife: Hmmm. Hi! I just got something in the mail called an Annual Notice of Change. Can you help me figure out what I’m supposed to do with it?

Aetna Rep: Oh, absolutely! Your Annual Notice of Change may also be called an ANOC. It’s a document your health plan sends each September to update you on what’s changing in your Medicare plan for the upcoming year.

Aetna member: What kind of changes are we talking about?

Aetna Rep: Well, changes may include updates to your covered drugs, monthly plan premium, deductible, out-of-pocket costs, etcetera. The ANOC gives you a clear picture of how your current plan benefits compare to your plan benefits for next year so you can decide if your Aetna SilverScript® Choice plan still meets your needs.

Aetna member: Why do these changes happen every year?

Aetna Rep: Great question. Each year, we have to balance health care costs and new government requirements while still offering you the best coverage we can. So sometimes adjustments are necessary.

Aetna member: That makes sense. So where do I begin with the document?

Aetna Rep: You can begin with the “Table of Contents.” It acts like a roadmap

and allows you to skip directly to the sections that matter most to you.

Aetna member:  And what’s this “Summary of Costs” about?

Aetna Rep: The “Summary of Important Costs” section is a side-by-side comparison of your current plan costs and what they will be next year. This is where you can get a quick overview of any changes to your monthly plan premium, deductible and out-of-pocket costs.

Aetna member: What’s the most important thing that I need to understand about the document?

Aetna Rep: You should pay close attention to the “Changes to Benefits and Costs for Next Year” section. That section goes into detail about any updates to your monthly plan premium, pharmacy network, drug list, yearly deductible, out-of-pocket costs and more.

Aetna member: So, if I still like my plan, what do I need to do?

Aetna Rep: If everything still works for you, you’re all set — your plan will automatically renew for next year.

Aetna member: And if I do want to make changes?

Aetna Rep: You’ll find answers about that in the “How to Change Plans” section in your ANOC.

Aetna member: Thanks, this is really helpful. I feel a lot better about reading my ANOC.

Aetna Rep: We’re always here to help.