How Do I Know If I Need to Change My Medicare Plan During the Annual Election Period (AEP)?
By Lori Good, Medicare Unit Specialist – Frost Insurance Agency
The Medicare Annual Election Period (AEP) runs every year from October 15 to December 7. During this time, Medicare beneficiaries can review, compare, and make changes to their Medicare Advantage or Part D prescription drug plans.
Review Your Annual Notice of Change (ANOC)
Each year, your plan carrier mails you an Annual Notice of Change (ANOC), typically at the end of September. This document outlines any upcoming changes to your plan—such as premiums, deductibles, copays, or coverage updates. Reviewing your ANOC and Evidence of Coverage (EOC) helps ensure your plan still fits your healthcare and budget needs for the coming year.
Why a Medicare Plan Review Matters in 2026
With upcoming 2026 market changes, the Inflation Reduction Act’s impact on Part D prescription drug plans, and service area reductions across parts of Northwest Ohio, now is an important time to review your plan. Some carriers are reducing or pulling plans from certain counties—so it’s crucial to verify that your coverage remains available in your area.
Reevaluate Your Personal Healthcare Needs
Even if your plan hasn’t changed, your personal healthcare needs might have. During your AEP review, share any updates with your agent—such as new medications, doctor or hospital preferences, or changes in your medical conditions. Having a complete list of your prescriptions and providers helps your agent compare and quote plans that best match your needs.
Work with a Local Medicare Specialist
At Frost Insurance Agency, our team helps Medicare beneficiaries navigate their options with confidence. We’ll review your ANOC, compare available plans, and help simplify the enrollment or transition process—so you can stay protected without surprises.
For more information contact the Frost Insurance Agency.  Call us at 419-446-2777, send an email to help@frostins.com, or click here to submit your request today! You can also stop by and see us at one of our four convenient locations in Archbold, Napoleon, Holgate, or Whitehouse.
We do not offer every plan available in your area. Currently, we represent 10 organizations that offer 6,584 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Lori Good is a Medicare Unit Specialist at Frost Insurance Agency in Archbold, Ohio. With over 7 years of experience in Medicare, she brings extensive knowledge to assist clients in navigating their healthcare options as they approach eligibility. Lori is part of the team at Frost Insurance Agency, which has partnered with Beck Insurance Agency to offer comprehensive Medicare guidance.