Medicare Evidence of Coverage and Annual Notice of Changes

Two important documents that are provided with your Medicare plan are your Evidence of Coverage (EOC) and Annual Notice of Changes (ANOC). You can use the detailed information in these documents to find answers to questions about coverage, costs, changes to your Medicare plan and more.

Your EOC explains what your Medicare plan covers, how much you can expect to pay for services and more. It’s a legal document that provides full, complete information about how your Medicare plan works.

Your EOC also includes:

• Information about in- and out-of-network coverage rules
• Your rights and responsibilities as a member
• Your rights and responsibilities if you disenroll
• Our rights and responsibilities if you disenroll

For MSHO members, the EOC is instead called a Member Handbook.

After you sign up for a new Medicare plan, it’s a good idea to review the plan’s Evidence of Coverage when it arrives. That way you’ll know the specifics of your plan, including the scope of your coverage and potential costs. Once you’ve read through your Evidence of Coverage, keep it with your other Medicare documents in case you have any questions.

Sent in the fall of each year, your ANOC describes changes to your health plan's coverage, costs or administration for the upcoming year. These changes are effective starting in January. When you receive it, make sure you review it to know if there are any coverage changes that might affect you in the year to come.

If you’re not sure what kind of plan you have, check your plan documents or member identification card. Have questions? Call Member Services at the number on the back of your member identification card.

• The information on this page is about our 2023 plans. Visit our 2022 site to find information about our 2022 plans.