Annual Notice of Change (ANOC) and Evidence of Coverage (EOC)

[Insert 2024 plan name] Annual Notice of Changes for 2024

1

[MA-PD HMO (and HMO-POS, I-SNPs, C-SNPs) models]
[2024 ANOC model]

[Insert 2024 plan name] ([insert plan type]) offered by [insert
MAO name] [insert DBA names in parentheses, as applicable,
after listing required MAO names]

Annual Notice of Changes for 2024
[Optional: insert member name]
[Optional: insert member address]
You are currently enrolled as a member of [insert 2023 plan name]. Next year, there will be
changes to the plan’s costs and benefits. Please see page 5 for a Summary of Important Costs,
including Premium.
This document tells about the changes to your plan. To get more information about costs,
benefits, or rules please review the Evidence of Coverage, which is located on our website at
[insert URL]. [Insert as applicable: You can also review the attached OR enclosed OR
separately mailed Evidence of Coverage to see if other benefit or cost changes affect you.] You
may also call Member Services to ask us to mail you an Evidence of Coverage.)
•

You have from October 15 until December 7 to make changes to your Medicare
coverage for next year.

What to do now
1. ASK: Which changes apply to you

 Check the changes to our benefits and costs to see if they affect you.
•

Review the changes to Medical care costs (doctor, hospital).

•

[Insert if offering Part D] Review the changes to our drug coverage, including
authorization requirements and costs.

•

Think about how much you will spend on premiums, deductibles, and cost sharing.

 Check the changes in the 2024 Drug List to make sure the drugs you currently take
are still covered.

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 Check to see if your primary care doctors, specialists, hospitals, and other providers,
including pharmacies will be in our network next year.

 Think about whether you are happy with our plan.
2. COMPARE: Learn about other plan choices

 Check coverage and costs of plans in your area. Use the Medicare Plan Finder at
www.medicare.gov/plan-compare website or review the list in the back of your
Medicare & You 2024 handbook.

 Once you narrow your choice to a preferred plan, confirm your costs and coverage on
the plan’s website.

3. CHOOSE: Decide whether you want to change your plan
•

If you don't join another plan by December 7, 2023, you will stay in [insert plan name].

•

To change to a different plan, you can switch plans between October 15 and December
7. Your new coverage will start on January 1, 2024. This will end your enrollment with
[insert plan name].

•

If you recently moved into, currently live in, or just moved out of an institution (like a
skilled nursing facility or long-term care hospital), you can switch plans or switch to
Original Medicare (either with or without a separate Medicare prescription drug plan) at
any time.

[I-SNPs serving institutionalized individuals: May replace the above two bullets with the below
bullet. Otherwise, delete the below bullet:
•

To change to a different plan, you can switch plans or switch to Original Medicare
(either with or without a separate Medicare prescription drug plan) at any time.]

Additional Resources
•

[Plans that meet the 5% alternative language threshold insert: This document is
available for free in [insert languages that meet the 5% threshold].]

•

Please contact our Member Services number at [insert member services phone number]
for additional information. (TTY users should call [insert TTY number].) Hours are
[insert days and hours of operation]. This call is free.

•

[Plans must insert language about availability of alternate formats (e.g., braille, large
print, audio) as applicable.]

•

Coverage under this Plan qualifies as Qualifying Health Coverage (QHC) and
satisfies the Patient Protection and Affordable Care Act’s (ACA) individual shared
responsibility requirement. Please visit the Internal Revenue Service (IRS) website at
www.irs.gov/Affordable-Care-Act/Individuals-and-Families for more information.

About [insert 2024 plan name]
•

[Insert Federal contracting statement.]
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3

When this document says “we,” “us,” or “our”, it means [insert MAO name] [insert
Plan/Part D sponsor in parentheses, as applicable, after listing required MAO names
throughout this document]. When it says “plan” or “our plan,” it means [insert 2024 plan
name].
[Insert as applicable: [insert Material ID] CMS Approved [MMDDYYYY]
OR [insert Material ID]]

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Annual Notice of Changes for 2024
Table of Contents
Summary of Important Costs for 2024 ....................................................................... 5
SECTION 1

We Are Changing the Plan’s Name .................................................. 8

SECTION 1

Unless You Choose Another Plan, You Will Be
Automatically Enrolled in [insert 2024 plan name] in 2024 ............ 8

SECTION 2
Changes to Benefits and Costs for Next Year ................................. 9
Section 2.1 – Changes to the Monthly Premium ...................................................................... 9
Section 2.2 – Changes to Your Maximum Out-of-Pocket Amount .......................................... 9
Section 2.3 – Changes to the Provider and Pharmacy Networks ............................................ 10
Section 2.4 – Changes to Benefits and Costs for Medical Services ....................................... 11
Section 2.5 – Changes to Part D Prescription Drug Coverage ............................................... 12
SECTION 3

Administrative Changes ................................................................. 19

SECTION 4
Deciding Which Plan to Choose ..................................................... 19
Section 4.1 – If you want to stay in [insert 2024 plan name] ................................................ 19
Section 4.2 – If you want to change plans .............................................................................. 20
SECTION 5

Deadline for Changing Plans .......................................................... 20

SECTION 6

Programs That Offer Free Counseling about Medicare ................ 21

SECTION 7

Programs That Help Pay for Prescription Drugs........................... 21

SECTION 8
Questions? ...................................................................................... 22
Section 8.1 – Getting Help from [insert 2024 plan name] ..................................................... 22
Section 8.2 – Getting Help from Medicare ............................................................................. 23

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Summary of Important Costs for 2024
The table below compares the 2023 costs and 2024 costs for [insert 2024 plan name] in several
important areas. Please note this is only a summary of costs.
[If using Medicare FFS amounts (e.g., Inpatient and SNF cost sharing) the plan must insert the
2023 Medicare amounts and must insert: These are 2023 cost-sharing amounts and may change
for 2024. [Insert plan name] will provide updated rates as soon as they are released. Member
cost-sharing amounts may not be left blank.]
Cost

2023 (this year)

2024 (next year)

Monthly plan premium*
* Your premium may be higher
[Plans with $0 premium should not
include: or lower] than this
amount. See Section [edit section
number as needed] 2.1 for details.

[Insert 2023 premium
amount]

[Insert 2024 premium
amount]

[Plans with no deductible may
delete this row.]
Deductible

[Insert 2023 deductible
amount]

[Insert 2024 deductible
amount] [If an amount
other than $0, add:
except for insulin
furnished through an item
of durable medical
equipment.]

Maximum out-of-pocket amount
This is the most you will pay
out-of-pocket for your covered
[insert if applicable: Part A and
Part B] services.
(See Section [edit section number
as needed] 2.2 for details.)

[Insert 2023 MOOP
amount]

[Insert 2024 MOOP
amount]

Doctor office visits

Primary care visits:
[insert 2023 cost sharing
for PCPs] per visit
Specialist visits: [insert
2023 cost sharing for
specialists] per visit

Primary care visits:
[insert 2024 cost sharing
for PCPs] per visit
Specialist visits: [insert
2024 cost sharing for
specialists] per visit

Inpatient hospital stays

[Insert 2023 cost
sharing]

[Insert 2024 cost sharing]

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Cost
Part D prescription drug
coverage
(See Section [edit section number
as needed] 2.5 for details.)

2023 (this year)
Deductible: [Insert 2023
deductible amount] [If an
amount other than $0,
add: except for covered
insulin products and most
adult Part D vaccines.]
[Copayment/Coinsurance
as applicable] during the
Initial Coverage Stage:
• Drug Tier 1: [Insert
2023 cost sharing]
[Insert if insulin cost
sharing differs from
cost sharing for other
drugs on the same
tier: You pay $[xx]
per month supply of
each covered insulin
product on this tier.]
• [Repeat for all
drug tiers.]
Catastrophic Coverage:
• During this payment
stage, the plan pays
most of the cost for
your covered drugs.
• [When applicable, plans
must insert a brief
explanation of what the
member pays during this
stage. For example: For
each prescription, you
pay whichever of these
is larger: a payment
equal to 5% of the cost
of the drug (this is called
coinsurance), or a
copayment ($4.15 for a
generic drug or a drug
that is treated like a
generic, and $10.35 for
all other drugs.)].

6

2024 (next year)
Deductible: [Insert 2024
deductible amount] [If an
amount other than $0,
add: except for covered
insulin products and most
adult Part D vaccines.]
[Copayment/Coinsurance
as applicable] during the
Initial Coverage Stage:
• Drug Tier 1: [Insert
2024 cost sharing]
[Insert if insulin cost
sharing differs from
cost sharing for other
drugs on the same
tier: You pay $[xx]
per month supply of
each covered insulin
product on this tier.]
• [Repeat for all
drug
tiers.]
Catastrophic Coverage:
• [Plans that do not
cover excluded drugs
under an enhanced
benefit, OR plans that
do cover excluded
drugs under an
enhanced benefit but
with the same cost
sharing as covered
Part D drugs in this
stage, insert the
following: During this
payment stage, the
plan pays the full cost
for your covered Part
D drugs. You pay
nothing.]
• [Plans that cover
excluded drugs under
an enhanced benefit
with cost sharing in

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Cost

7

2023 (this year)

2024 (next year)

•

•

this stage, insert the
following 2 bullets:
During this payment
stage, the plan pays
the full cost for your
covered Part D drugs.
You may have cost
sharing for drugs that
are covered under our
enhanced benefit.]

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[If Section 1 does not apply, plans should omit it and renumber remaining sections as needed.]

SECTION 1 We Are Changing the Plan’s Name
[Plans that are changing the plan name, as approved by CMS, include Section 1, using the
section title above and the following text:
On January 1, 2024, our plan name will change from [insert 2023 plan name] to [insert 2024
plan name].
[Insert language to inform members if they will receive new ID cards and how, as well as if the
name change will impact any other member communication.]]

SECTION 1 Unless You Choose Another Plan, You Will Be
Automatically Enrolled in [insert 2024 plan name] in 2024
[If the member is being enrolled into another plan due to a consolidation or due to a transition
from a D-SNP look-alike plan under 42 CFR 422.514, include Section 1, using the section title
above and the text below. It is additionally expected that, as applicable throughout the ANOC,
every plan/sponsor that cross walks a member from a non-renewed plan to a consolidated
renewal plan or transitions a member from a D-SNP look-alike plan to a renewal plan meeting
the criteria in 42 CFR 422.514(e) will compare benefits and costs, including cost sharing for
drug tiers, from that member’s previous plan to the consolidated plan or the renewal plan. Every
plan/sponsor that transitions a member from a D-SNP look-alike plan to a renewal plan, as
indicated above, is encouraged to include language about the transition in a cover letter that
accompanies the ANOC.]
On January 1, 2024, [insert MAO name] [insert Plan/Part D sponsor in parentheses, as
applicable, after listing required MAO names throughout this document] will be [insert as
applicable: combining [insert 2023 plan name] with one of our plans, [insert 2024 plan name]
or transitioning you from [insert 2023 D-SNP look-alike plan name] to [insert 2024 renewal
plan name]. The information in this document tells you about the differences between your
current benefits in [insert 2023 plan name] and the benefits you will have on January 1, 2024 as
a member of [insert 2024 plan name].
If you do nothing by December 7, 2023, we will automatically enroll you in our [insert 2024
plan name]. This means starting January 1, 2024, you will be getting your medical and
prescription drug coverage through [insert 2024 plan name]. If you want to change plans or
switch to Original Medicare, you must do so between October 15 and December 7. If you are
eligible for “Extra Help,” you may be able to change plans during other times.

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SECTION 2 Changes to Benefits and Costs for Next Year
Section 2.1 – Changes to the Monthly Premium
[Plans offering the following premiums must list separately in the table below: (1) Plan
premium; (2) optional supplemental benefit premiums (only plans offering optional supplemental
benefits during one or both of the comparison years); and (3) Part B premium reduction (only
plans with Part B premium reductions during one or both of the comparison years.]
Cost
Monthly premium
[If there are no changes from year to year,
plans may indicate in the column that
there is no change for the upcoming
benefit year. However, the premium must
also be listed.]

2023 (this year)

2024 (next year)

[Insert 2023 premium
amount]

[Insert 2024 premium
amount]

(You must also continue to pay your
Medicare Part B premium.)
•

Your monthly plan premium will be more if you are required to pay a lifetime Part D late
enrollment penalty for going without other drug coverage that is at least as good as
Medicare drug coverage (also referred to as creditable coverage) for 63 days or more.

•

If you have a higher income, you may have to pay an additional amount each month
directly to the government for your Medicare prescription drug coverage.

•

[Plans with $0 premium should not include this bullet] Your monthly premium will be
less if you are receiving “Extra Help” with your prescription drug costs. Please see
Section 7 regarding “Extra Help” from Medicare.

Section 2.2 – Changes to Your Maximum Out-of-Pocket Amount
[Plans that include the costs of supplemental benefits (e.g., POS benefits) in the MOOP limit
may revise this information as needed.]
Medicare requires all health plans to limit how much you pay out-of-pocket for the year. This
limit is called the maximum out-of-pocket amount. Once you reach this amount, you generally
pay nothing for covered [insert if applicable: Part A and Part B] services for the rest of the year.

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Cost
Maximum out-of-pocket amount
Your costs for covered medical
services (such as copays [insert if
plan has a deductible: and
deductibles]) count toward your
maximum out-of-pocket amount.
[Plans with no premium may
modify the following sentence as
needed] Your plan premium and
your costs for prescription drugs do
not count toward your maximum
out-of-pocket amount.
[If there are no changes from year
to year, plans may indicate in the
column that there is no change for
the upcoming benefit year.
However, the premium must also be
listed.]

10

2023 (this year)

2024 (next year)

[Insert 2023 MOOP
amount]

[Insert 2024 MOOP
amount]
Once you have paid [insert
2024 MOOP amount] outof-pocket for covered [insert
if applicable: Part A and
Part B] services, you will
pay nothing for your
covered [insert if
applicable: Part A and Part
B] services for the rest of
the calendar year.

Section 2.3 – Changes to the Provider and Pharmacy Networks
[Insert if applicable: We included a copy of our current Provider and/or Pharmacy Directory in
the envelope with this document.] Updated directories are [insert if applicable: also] located on
our website at [insert URL]. You may also call Member Services for updated provider and/or
pharmacy information or to ask us to mail you a directory, which we will mail within three
business days.
[Insert applicable section: For a plan that does not have changes in its provider network] There
are no changes to our network of providers for next year.
[Insert applicable section: For a plan that has changes in its provider network] There are
changes to our network of providers for next year. Please review the 2024 Provider Directory to
see if your providers (primary care provider, specialists, hospitals, etc.) are in our network.
[Insert applicable section: For a plan that does not have changes in its pharmacy network]
There are no changes to our network of pharmacies for next year.
[Insert applicable section: For a plan that has changes in its pharmacy network] There are
changes to our network of pharmacies for next year. Please review the 2024 Pharmacy
Directory to see which pharmacies are in our network.
[All plans must insert the following] It is important that you know that we may make changes to
the hospitals, doctors and specialists (providers), and pharmacies that are part of your plan during
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the year. If a mid-year change in our providers affects you, please contact Member Services so
we may assist.

Section 2.4 – Changes to Benefits and Costs for Medical Services
[If there are no changes in benefits or in cost sharing, revise heading to “There are no changes to
your benefits or amounts you pay for medical services” and replace the rest of this section with:
Our benefits and what you pay for these covered medical services will be exactly the same in
2024 as they are in 2023.]
We are making changes to costs and benefits for certain medical services next year. The
information below describes these changes.
[The table must include: (1) all new benefits that will be added or 2023 benefits that will end for
2024, including any new optional supplemental benefits (plans must indicate these optional
supplemental benefits are available for an extra premium); (2) new/changing limitations or
restrictions, including referrals, prior authorizations, and Part B step therapy for CY2024 Part
C benefits; and (3) all changes in cost sharing for 2024 for covered medical services, including
any changes to service category out-of-pocket maximums and cost sharing for optional
supplemental benefits (plans must indicate these optional supplemental benefits are available for
an extra premium). Note that beginning July 2023, cost-sharing for insulin furnished through an
item of DME is subject to a coinsurance cap of $35 for one-month’s supply of insulin.]
[If using Medicare FFS amounts (e.g., Inpatient and SNF cost sharing) the plan must insert the
2023 Medicare amounts and must insert: These are 2023 cost-sharing amounts and may change
for 2024. [Insert plan name] will provide updated rates as soon as they are released. Member costsharing amounts may not be left blank.]
[Instructions to plans offering VBID Model benefits: VBID Model participating plans should
update this section to reflect coverage for any new VBID Model benefits that will be added for CY
2024 benefits, and/or for previous CY 2023 VBID Model benefits that will end for CY 2024.
Specific to the VBID Model benefits, the table must include: (1) all new VBID Model benefits that
will be added for 2024, except for the hospice benefit component (which has separate ANOC
instructions to VBID participating plans and Part D cost-sharing reduction or elimination which
should be listed in Section 2.5), including mandatory supplemental benefits such as the flexibility
to Cover New and Existing Technologies or Food and Drug Administration (FDA) approved
Medical Devices or 2023 benefits that will end for 2024; and (2) all changes in cost sharing for
all VBID Model benefits for 2024.]

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Cost
[Insert benefit name]

[Insert benefit name]

2023 (this year)

12

2024 (next year)

[For benefits that were not
covered in 2023
[insert benefit name] is
not covered.]

[For benefits that are not
covered in 2024 [insert
benefit name] is not
covered.]

[For benefits with a
copayment insert:
You pay a $[insert 2023
copayment amount] copay
[insert language as
needed to accurately
describe the benefit, e.g.,
per office visit].]

[For benefits with a
copayment insert:
You pay a $[insert 2024
copayment amount] copay
[insert language as
needed to accurately
describe the benefit, e.g.,
per office visit].]

[For benefits with a
coinsurance insert:
You pay [insert 2023
coinsurance percentage]
% of the total cost
[insert language as
needed to accurately
describe the benefit, e.g.,
for up to one visit per
year].]

[For benefits with a
coinsurance insert:
You pay [insert 2024
coinsurance percentage]
% of the total cost
[insert language as
needed to accurately
describe the benefit, e.g.,
for up to one visit per
year].]

[Insert 2023
cost/coverage, using
format described above.]

[Insert 2024
cost/coverage, using
format described above.]

Section 2.5 – Changes to Part D Prescription Drug Coverage
Changes to Our Drug List
Our list of covered drugs is called a Formulary or “Drug List.” A copy of our Drug List is
[[insert: in this envelope] OR [insert: provided electronically]]. [If including an abridged
formulary, add the following language: The Drug List includes many – but not all – of the drugs
that we will cover next year. If you don’t see your drug on this list, it might still be covered. You
can get the complete Drug List by calling Member Services (see the back cover) or visiting our
website ([insert URL]).]
[Plans with no changes to covered drugs, tier assignment, or restrictions may replace the rest of
this section with: We have not made any changes to our Drug List for next year. However,
during the year, we might make other changes that are allowed by Medicare rules. We can also
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immediately remove drugs considered unsafe by the FDA or withdrawn from the market by a
product manufacturer. We update our online Drug List to provide the most up to date list of
drugs.]
We made changes to our Drug List, including changes to the drugs we cover and changes to the
restrictions that apply to our coverage for certain drugs. Review the Drug List to make sure
your drugs will be covered next year and to see if there will be any restrictions.
Most of the changes in the Drug List are new for the beginning of each year. However, during
the year, we might make other changes that are allowed by Medicare rules. For instance, we can
immediately remove drugs considered unsafe by the FDA or withdrawn from the market by a
product manufacturer. We update our online Drug List to provide the most up to date list of
drugs.
If you are affected by a change in drug coverage at the beginning of the year or during the year,
please review Chapter 9 of your Evidence of Coverage and talk to your doctor to find out your
options, such as asking for a temporary supply, applying for an exception and/or working to find
a new drug. You can also contact Member Services for more information.
[Plan sponsors implementing for the first time in 2024 have the option to immediately replace
brand name drugs with their new generic equivalents, that otherwise meet the requirements,
should insert the following: Starting in 2024, we may immediately remove a brand name drug on
our Drug List if, at the same time, we replace it with a new generic drug on the same or lower
cost-sharing tier and with the same or fewer restrictions. Also, when adding the new generic
drug, we may decide to keep the brand name drug on our Drug List, but immediately move it to a
different cost-sharing tier or add new restrictions or both.
This means, for instance, if you are taking a brand name drug that is being replaced or moved to
a higher cost-sharing tier, you will no longer always get notice of the change 30 days before we
make it or get a month’s supply of your brand name drug at a network pharmacy. If you are
taking the brand name drug, you will still get information on the specific change we made, but it
may arrive after the change is made.]
Changes to Prescription Drug Costs
[Plans that are VBID Model participants and offer $0 cost sharing for Part D drugs across all
phases for all levels of LIS may delete the following paragraph.] [Plans that enroll partial dual
eligible beneficiaries should delete the following paragraph for QDWI beneficiaries.] Note: If
you are in a program that helps pay for your drugs (“Extra Help”), the information about costs
for Part D prescription drugs [insert as applicable: may OR does] not apply to you. [If not
applicable, omit information about the LIS Rider.] We [insert as appropriate: have included OR
sent you] a separate insert, called the “Evidence of Coverage Rider for People Who Get Extra
Help Paying for Prescription Drugs” (also called the Low-Income Subsidy Rider or the LIS
Rider), which tells you about your drug costs. If you receive “Extra Help” [if plan sends LIS
Rider with ANOC, insert: and didn’t receive this insert with this packet,] [if plan sends LIS Rider
separately from the ANOC, insert: and you haven’t received this insert by [insert date],] please
call Member Services and ask for the LIS Rider.
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There are four drug payment stages. The information below shows the changes to the first two
stages – the Yearly Deductible Stage and the Initial Coverage Stage. (Most members do not
reach the other two stages – the Coverage Gap Stage or the Catastrophic Coverage Stage.)
Changes to the Deductible Stage
Stage
Stage 1: Yearly Deductible
Stage
During this stage, you pay the
full cost of your [insert as
applicable: Part D OR brand
name OR [tier name(s)]] drugs
until you have reached the yearly
deductible. The deductible does
not apply to covered insulin
products and most adult Part D
vaccines.
[Plans with no deductible, omit
text above.]

2023 (this year)

2024 (next year)

The deductible is $[insert
2023 deductible].

The deductible is $[insert
2024 deductible].

[Plans with no deductible
replace the text above with:
Because we have no
deductible, this payment
stage does not apply to
you.]

[Plans with no deductible
replace the text above
with: Because we have no
deductible, this payment
stage does not apply to
you.]

[Plans with tiers excluded
from the deductible in 2023
and/or 2024 insert the
following:] During this
stage, you pay [insert costsharing amount that a
member would pay in a
tier(s) that is exempted
from the deductible] cost
sharing for drugs on [insert
name of tier(s) excluded
from the deductible] and
the full cost of drugs on
[insert name of tier(s)
where copayments apply]
until you have reached the
yearly deductible.

[Plans with tiers
excluded from the
deductible in 2023 and/or
2024 insert the
following:] During this
stage, you pay [insert
cost-sharing amount that
a member would pay in a
tier(s) that is exempted
from the deductible] cost
sharing for drugs on
[insert name of tier(s)
excluded from the
deductible] and the full
cost of drugs on [insert
name of tier(s) where
copayments apply] until
you have reached the
yearly deductible.

Changes to Your Cost Sharing in the Initial Coverage Stage
[Plans that are changing the cost sharing from coinsurance to copayment or vice versa from
2023 to 2024 insert: For drugs on [insert name of tier(s)], your cost sharing in the initial
coverage stage is changing from [insert whichever is appropriate: a copayment to coinsurance
OR coinsurance to a copayment.] Please see the following chart for the changes from 2023 to
2024.]

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[Plans must list all drug tiers in the table below and show costs for a one-month supply filled at
a network retail pharmacy. Plans that have pharmacies that provide preferred cost sharing must
provide information on both standard and preferred cost sharing using the second alternate
chart. Plans without drug tiers may revise the table as appropriate.]
Stage
Stage 2: Initial Coverage Stage
[Plans with no deductible delete
the first sentence] Once you pay
the yearly deductible, you move
to the Initial Coverage Stage.
During this stage, the plan pays
its share of the cost of your drugs,
and you pay your share of the
cost. [Plans that are changing the
cost sharing from a copayment to
coinsurance or vice versa from
2023 to 2024 insert for each
applicable tier: For 2023 you
paid [insert as appropriate: a
$[xx] copayment OR [xx]%
coinsurance] for drugs on [insert
tier name]. For 2024 you will pay
[insert as appropriate: a $[xx]
copayment OR [xx]%
coinsurance] for drugs on this
tier.]
Most adult Part D vaccines are
covered at no cost to you.

2023 (this year)

2024 (next year)

Your cost for a one-month
[Plans that are changing
the number of days in
their one-month supply
from 2023 to 2024 insert
([xx]-day) rather than
one-month] supply filled
at a network pharmacy
with standard cost
sharing:

Your cost for a one-month
[Plans that are changing
the number of days in
their one-month supply
from 2023 to 2024 insert
([xx]-day) rather than
one-month] supply filled
at a network pharmacy
with standard cost
sharing:

[Insert name of Tier 1]:
You pay [insert as
applicable: $[xx] per
prescription OR [xx]% of
the total cost.]

[Insert name of Tier 1]:
You pay [insert as
applicable: $[xx] per
prescription OR [xx]% of
the total cost.]
[Insert if insulin cost
sharing differs from cost
sharing for other drugs on
the same tier: You pay
$[xx] per month supply of
each covered insulin
product on this tier.]

[Insert name of Tier 2]:
You pay [insert as
applicable: $[xx] per
prescription OR [xx]% of
the total cost.]
[Repeat for all tiers]

[Insert name of Tier 2]:
You pay [insert as
applicable: $[xx] per
prescription OR [xx]% of
the total cost.]
[Insert if insulin cost
sharing differs from cost
sharing for other drugs on
the same tier: You pay
$[xx] per month supply of
each covered insulin
product on this tier.]
[Repeat for all tiers]

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[Insert 2024 plan name] Annual Notice of Changes for 2024

Stage
Stage 2: Initial Coverage Stage
(continued)
The costs in this row are for a
one-month ([insert number of
days in a one-month supply]-day)
supply when you fill your
prescription at a network
pharmacy that provides standard
cost sharing. [Plans that are
changing the number of days in
their one-month supply from 2023
to 2024 insert: The number of
days in a one-month supply has
changed from 2023 to 2024 as
noted in the chart.] For
information about the costs
[insert as applicable: for a longterm supply; at a network
pharmacy that offers preferred
cost sharing; or for mail-order
prescriptions], look in Chapter 6,
Section 5 of your Evidence of
Coverage.
[Insert if applicable: We changed
the tier for some of the drugs on
our Drug List. To see if your
drugs will be in a different tier,
look them up on the Drug List.]

16

2023 (this year)

2024 (next year)

Once [insert as
applicable: your total drug
costs have reached
$[insert 2023 initial
coverage limit], you will
move to the next stage
(the Coverage Gap Stage).
OR you have paid $[insert
2023 out-of-pocket
threshold] out-of-pocket
for Part D drugs, you will
move to the next stage
(the Catastrophic
Coverage Stage).]

Once [insert as
applicable: your total drug
costs have reached
$[insert 2024 initial
coverage limit], you will
move to the next stage
(the Coverage Gap Stage).
OR you have paid $[insert
2024 out-of-pocket
threshold] out-of-pocket
for Part D drugs, you will
move to the next stage
(the Catastrophic
Coverage Stage).]

[Plans with pharmacies that offer standard and preferred cost sharing may replace the chart
above with the one below to provide both cost-sharing rates.]
Stage
Stage 2: Initial Coverage Stage
[Plans with no deductible delete
the first sentence] Once you pay
the yearly deductible, you move to
the Initial Coverage Stage. During
this stage, the plan pays its share
of the cost of your drugs and you

2023 (this year)

2024 (next year)

Your cost for a one-month
[Plans that are changing
the number of days in their
one-month supply from
2023 to 2024 insert: ([xx]day) rather than one-month]

Your cost for a one-month
[Plans that are changing
the number of days in their
one-month supply from
2023 to 2024 insert ([xx]day) rather than one-month]

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[Insert 2024 plan name] Annual Notice of Changes for 2024

Stage
pay your share of the cost.
[Plans that are changing the cost
sharing from a copayment to
coinsurance or vice versa from
2023 to 2024 insert for each
applicable tier: For 2023 you paid
[insert as appropriate: a $[xx]
copayment OR [xx]% coinsurance]
for drugs on [insert tier name].
For 2024 you will pay [insert as
appropriate: a $[xx] copayment
OR [xx]% coinsurance] for drugs
on this tier.]
The costs in this row are for a onemonth ([insert number of days in a
one-month supply]-day) supply
when you fill your prescription at
a network pharmacy. [Plans that
are changing the number of days
in their one-month supply from
2023 to 2024 insert: The number
of days in a one-month supply has
changed from 2023 to 2024 as
noted in the chart.] For
information about the costs [insert
as applicable: for a long-term
supply or for mail-order
prescriptions], look in Chapter 6,
Section 5 of your Evidence of
Coverage.
[Insert if applicable: We changed
the tier for some of the drugs on
our Drug List. To see if your drugs
will be in a different tier, look
them up on the Drug List.]
Most adult Part D vaccines are
covered at no cost to you.

17

2023 (this year)

2024 (next year)

supply at a network
pharmacy:
[Insert name of Tier 1]:
Standard cost sharing: You
pay [insert as applicable:
$[xx] per prescription OR
[xx]% of the total cost].
Preferred cost sharing: You
pay [insert as applicable:
$[xx] per prescription OR
[xx]% of the total cost].
[Insert name of Tier 2]:
Standard cost sharing: You
pay [insert as applicable:
$[xx] per prescription OR
[xx]% of the total cost].
Preferred cost sharing: You
pay [insert as applicable:
$[xx] per prescription OR
[xx]% of the total cost].
[Repeat for all tiers]
______________
Once [insert as applicable:
your total drug costs have
reached $[insert 2023 initial
coverage limit], you will
move to the next stage (the
Coverage Gap Stage). OR
you have paid $[insert 2023
out-of-pocket threshold]
out-of-pocket for Part D
drugs, you will move to the
next stage (the Catastrophic
Coverage Stage).]

supply at a network
pharmacy:
[Insert name of Tier 1]:
Standard cost sharing: You
pay [insert as applicable:
$[xx] per prescription OR
[xx]% of the total cost].
[Insert if insulin cost
sharing differs from cost
sharing for other drugs on
the same tier: You pay
$[xx] per month supply of
each covered insulin
product on this tier.]
Preferred cost sharing: You
pay [insert as applicable:
$[xx] per prescription OR
[xx]% of the total cost].
[Insert if insulin cost
sharing differs from cost
sharing for other drugs on
the same tier: You pay
$[xx] per month supply of
each covered insulin
product on this tier.]
[Insert name of Tier 2]:
Standard cost sharing: You
pay [insert as applicable:
$[xx] per prescription OR
[xx]% of the total cost].
[Insert if insulin cost
sharing differs from cost
sharing for other drugs on
the same tier: You pay
$[xx] per month supply of
each covered insulin
product on this tier.]
Preferred cost sharing: You
pay [insert as applicable:
$[xx] per prescription OR
[xx]% of the total cost].
[Insert if insulin cost
sharing differs from cost
sharing for other drugs on

OMB Approval 0938-1051 (Expires: February 29, 2024)

[Insert 2024 plan name] Annual Notice of Changes for 2024

Stage

2023 (this year)

18

2024 (next year)
the same tier: You pay
$[xx] per month supply of
each covered insulin
product on this tier.]
[Repeat for all tiers]
______________
Once [insert as applicable:
your total drug costs have
reached $[insert 2024 initial
coverage limit], you will
move to the next stage (the
Coverage Gap Stage). OR
you have paid $[insert 2024
out-of-pocket threshold]
out-of-pocket for Part D
drugs, you will move to the
next stage (the Catastrophic
Coverage Stage).]

[Insert section below if offering VBID Model Part D cost-sharing reduction or elimination and
there are changes for CY2024.]
Changes to your VBID Part D Benefit
[VBID Model participating plans approved to offer Part D reduced or eliminated cost sharing
should update this section to reflect coverage for any new VBID Model Part D cost-sharing
reduction or elimination that will be added for CY 2024 benefits, and all Part D changes in costsharing reduction or elimination for all VBID Model benefits for 2024.]
Changes to the Coverage Gap and Catastrophic Coverage Stages
The other two drug coverage stages – the Coverage Gap Stage and the Catastrophic Coverage
Stage – are for people with high drug costs. Most members do not reach the Coverage Gap
Stage or the Catastrophic Coverage Stage.
[Sponsors that are changing the cost sharing from coinsurance to copayment or vice versa from
2023 to 2024 insert the following sentence. If many changes are being made, the language may
be repeated as necessary: For the Coverage Gap Stage for drugs on Tiers [xx] [insert tiers], your
cost sharing is changing from [insert whichever is appropriate: a copayment to coinsurance OR
coinsurance to a copayment].]

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[Insert 2024 plan name] Annual Notice of Changes for 2024

19

[Plans that do not cover excluded drugs under an enhanced benefit, OR plans that do cover
excluded drugs under an enhanced benefit but with the same cost sharing as covered Part D
drugs in this stage, insert the following: Beginning in 2024, if you reach the Catastrophic
Coverage Stage, you pay nothing for covered Part D drugs.]
[Plans that cover excluded drugs under an enhanced benefit with cost sharing in this stage,
insert the following: Beginning in 2024, if you reach the Catastrophic Coverage Stage, you
pay nothing for covered Part D drugs. You may have cost sharing for excluded drugs that
are covered under our enhanced benefit.]
For specific information about your costs in these stages, look at Chapter 6, Sections 6 and 7, in
your Evidence of Coverage.

SECTION 3 Administrative Changes
[Insert this section if applicable: Plans with administrative changes that impact members (e.g., a
change in options for paying the monthly premium, change in contract or PBP number) may
insert this section and include an introductory sentence that explains the general nature of the
administrative changes. Plans that choose to omit this section should renumber the remaining
sections as needed.]
Description

2023 (this year)

2024 (next year)

[Insert a description of the
administrative process/item that is
changing]

[Insert 2023
administrative
description]

[Insert 2024
administrative
description]

[Insert a description of the
administrative process/item that is
changing]

[Insert 2023
administrative
description]

[Insert 2024
administrative
description]

SECTION 4 Deciding Which Plan to Choose
Section 4.1 – If you want to stay in [insert 2024 plan name]
To stay in our plan, you don’t need to do anything. If you do not sign up for a different plan
or change to Original Medicare by December 7, you will automatically be enrolled in our [insert
2024 plan name].

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[Insert 2024 plan name] Annual Notice of Changes for 2024

20

Section 4.2 – If you want to change plans
We hope to keep you as a member next year but if you want to change plans for 2024 follow
these steps:
Step 1: Learn about and compare your choices
•

You can join a different Medicare health plan,

•

OR-- You can change to Original Medicare. If you change to Original Medicare, you will
need to decide whether to join a Medicare drug plan. If you do not enroll in a Medicare
drug plan, please see Section 2.1 regarding a potential Part D late enrollment penalty.

To learn more about Original Medicare and the different types of Medicare plans, use the
Medicare Plan Finder (www.medicare.gov/plan-compare), read the Medicare & You 2024
handbook, call your State Health Insurance Assistance Program (see Section [edit section number
as needed] 6), or call Medicare (see Section [edit section number as needed] 8.2). [Plans may
choose to insert if applicable: As a reminder, [insert MAO name] [insert Plan/Part D sponsor in
parentheses, as applicable, after listing required MAO names throughout this document] offers
other [insert as applicable: Medicare health plans AND/OR Medicare prescription drug plans.
These other plans may differ in coverage, monthly premiums, and cost-sharing amounts.]]
Step 2: Change your coverage
•

To change to a different Medicare health plan, enroll in the new plan. You will
automatically be disenrolled from [insert 2024 plan name].

•

To change to Original Medicare with a prescription drug plan, enroll in the new drug
plan. You will automatically be disenrolled from [insert 2024 plan name].

•

To change to Original Medicare without a prescription drug plan, you must either:
o Send us a written request to disenroll [insert if organization has complied with
CMS guidelines for online disenrollment: or visit our website to disenroll online].
Contact Member Services if you need more information on how to do so.
o – or – Contact Medicare, at 1-800-MEDICARE (1-800-633-4227), 24 hours a day,
7 days a week, and ask to be disenrolled. TTY users should call 1-877-486-2048.

SECTION 5 Deadline for Changing Plans
If you want to change to a different plan or to Original Medicare for next year, you can do it
from October 15 until December 7. The change will take effect on January 1, 2024.
Are there other times of the year to make a change?
In certain situations, changes are also allowed at other times of the year. Examples include
people with Medicaid, those who get “Extra Help” paying for their drugs, those who have or are
leaving employer coverage, and those who move out of the service area.

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[Insert 2024 plan name] Annual Notice of Changes for 2024

21

If you enrolled in a Medicare Advantage plan for January 1, 2024, and don’t like your plan
choice, you can switch to another Medicare health plan (either with or without Medicare
prescription drug coverage) or switch to Original Medicare (either with or without Medicare
prescription drug coverage) between January 1 and March 31, 2024.
If you recently moved into, currently live in, or just moved out of an institution (like a skilled
nursing facility or long-term care hospital), you can change your Medicare coverage at any time.
You can change to any other Medicare health plan (either with or without Medicare prescription
drug coverage) or switch to Original Medicare (either with or without a separate Medicare
prescription drug plan) at any time.

SECTION 6 Programs That Offer Free Counseling about Medicare
[Organizations offering plans in multiple states: Revise this section to use the generic name
(State Health Insurance Assistance Program) when necessary, and include a list of names, phone
numbers, and addresses for all SHIPs in your service area.]
The State Health Insurance Assistance Program (SHIP) is an independent government program
with trained counselors in every state. In [insert state], the SHIP is called [insert state-specific
SHIP name].
It is a state program that gets money from the Federal government to give free local health
insurance counseling to people with Medicare. [Insert state-specific SHIP name] counselors can
help you with your Medicare questions or problems. They can help you understand your
Medicare plan choices and answer questions about switching plans. You can call [insert statespecific SHIP name] at [insert SHIP phone number]. [Plans may insert the following: You can
learn more about [insert state-specific SHIP name] by visiting their website ([insert SHIP
website]).

SECTION 7 Programs That Help Pay for Prescription Drugs
You may qualify for help paying for prescription drugs. [Plans in states without SPAPs, delete
the next sentence.] Below we list different kinds of help:
•

“Extra Help” from Medicare. People with limited incomes may qualify for “Extra
Help” to pay for their prescription drug costs. If you qualify, Medicare could pay up to
75% or more of your drug costs including monthly prescription drug premiums, annual
deductibles, and coinsurance. Additionally, those who qualify will not have a coverage
gap or late enrollment penalty. To see if you qualify, call:
o 1-800-MEDICARE (1-800-633-4227). TTY users should call 1-877-486-2048, 24
hours a day/7 days a week;
o The Social Security Office at 1-800-772-1213 between 8 am and 7 pm, Monday
through Friday for a representative. Automated messages are available 24 hours a
day. TTY users should call, 1-800-325-0778; or
o Your State Medicaid Office (applications).
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[Insert 2024 plan name] Annual Notice of Changes for 2024

22

•

[Plans without an SPAP in their state(s), should delete this bullet.] [Organizations
offering plans in multiple states: Revise this bullet to use the generic name (State
Pharmaceutical Assistance Program) when necessary, and include a list of names for all
SPAPs in your service area.] Help from your state’s pharmaceutical assistance
program. [Insert state name] has a program called [insert state-specific SPAP name]
that helps people pay for prescription drugs based on their financial need, age, or medical
condition. To learn more about the program, check with your State Health Insurance
Assistance Program.

•

[Plans with an ADAP in their state(s) that do NOT provide Insurance Assistance should
delete this bullet.] [Plans with no Part D drug cost sharing should delete this section.]
Prescription Cost-sharing Assistance for Persons with HIV/AIDS. The AIDS Drug
Assistance Program (ADAP) helps ensure that ADAP-eligible individuals living with
HIV/AIDS have access to life-saving HIV medications. Individuals must meet certain
criteria, including proof of State residence and HIV status, low income as defined by the
State, and uninsured/under-insured status. Medicare Part D prescription drugs that are
also covered by ADAP qualify for prescription cost-sharing assistance through the [insert
State-specific ADAP name and information]. For information on eligibility criteria,
covered drugs, or how to enroll in the program, please call [insert State-specific ADAP
contact information].

SECTION 8 Questions?
Section 8.1 – Getting Help from [insert 2024 plan name]
Questions? We’re here to help. Please call Member Services at [insert member services phone
number]. (TTY only, call [insert TTY number]). We are available for phone calls [insert days
and hours of operation]. [Insert if applicable: Calls to these numbers are free.]
Read your 2024 Evidence of Coverage (it has details about next year's benefits
and costs)
This Annual Notice of Changes gives you a summary of changes in your benefits and costs for
2024. For details, look in the 2024 Evidence of Coverage for [insert 2024 plan name]. The
Evidence of Coverage is the legal, detailed description of your plan benefits. It explains your
rights and the rules you need to follow to get covered services and prescription drugs. A copy of
the Evidence of Coverage is located on our website at [insert URL]. [Insert as applicable: You
can also review the attached OR enclosed OR separately mailed Evidence of Coverage to see if
other benefit or cost changes affect you.] You may also call Member Services to ask us to mail
you an Evidence of Coverage.
Visit our Website
You can also visit our website at [insert URL]. As a reminder, our website has the most up-todate information about our provider network (Provider Directory) and our list of covered drugs
(Formulary/Drug List).
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[Insert 2024 plan name] Annual Notice of Changes for 2024

23

Section 8.2 – Getting Help from Medicare
To get information directly from Medicare:
Call 1-800-MEDICARE (1-800-633-4227)
You can call 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week. TTY users
should call 1-877-486-2048.
Visit the Medicare Website
Visit the Medicare website (www.medicare.gov). It has information about cost, coverage, and
quality Star Ratings to help you compare Medicare health plans in your area. To view the
information about plans, go to www.medicare.gov/plan-compare.
Read Medicare & You 2024
Read the Medicare & You 2024 handbook. Every fall, this document is mailed to people with
Medicare. It has a summary of Medicare benefits, rights and protections, and answers to the most
frequently asked questions about Medicare. If you don’t have a copy of this document, you can
get it at the Medicare website (https://www.medicare.gov/Pubs/pdf/10050-medicare-andyou.pdf) or by calling 1-800-MEDICARE (1-800-633-4227), 24 hours a day, 7 days a week.
TTY users should call 1-877-486-2048.

OMB Approval 0938-1051 (Expires: February 29, 2024)