How to read your Annual Notice of Change (ANOC)

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How to read your Annual Notice of Change (ANOC)

Understand your health plan for next year with your Annual Notice of Change. Here’s a step-by-step guide on how to read this important document.

It’s the Annual Enrollment Period (AEP) — the time of year when you can review or change your health plan. Good news: If you’re happy with your current Allina Health | Aetna plan, you don’t need to do anything. It will automatically renew on January 1. Your Annual Notice of Change (ANOC) outlines updates to your plan for the next year. Here’s some easy guidance on how to read it.    

What's an ANOC?

Your ANOC gives you a comparison of your 2025 plan benefits to your 2026 plan benefits. It can help you see how your Allina Health | Aetna Medicare plan continues to support your needs.

There may be updates to your:

  • Benefits
  • Monthly premiums
  • Deductibles
  • Out-of-pocket costs and more

How do I view my Annual Notice of Change? 

You should have received your ANOC by mail or email. You can also access it through your secure member website or plan web page. If you didn’t receive it, call Member Services at 1-833-570-6671 (TTY: 711) from 8 AM to 8 PM, 7 days a week. They can help you access the document and make sure your information is up to date. This includes your address, phone number and email address.

Want a visual overview of your ANOC?

Watch a short video that helps guide you through this important document. Visit aet.na/4-oct25 to check it out. Or scan this QR code with your smartphone or tablet camera

A QR code linking to: ah.aetna_.com_oct25

How do I navigate my ANOC?

The main sections include:

  • Changes to benefits and costs: Includes your monthly premium, maximum out-of-pocket amounts and provider or pharmacy networks
  • Administrative changes: These typically don't affect the plan's coverage or benefits
  • Program information: This includes details about free counseling programs, such as the State Health Insurance Program, and Medicare’s Extra Help program, which can help pay for prescriptions
  • Privacy protection: Details on how we keep your personal, health and financial information safe
  • Language assistance: We offer free interpreter services to help answer questions about our health or drug plan. Simply call us at 1-833-570-6671 (TTY: 711) for assistance.

Nurse on the phone with a patient
Need a nurse?

Call our 24/7 Nurse Line* at
1-855-493-7019 (TTY: 711) to speak with a registered nurse, 24 hours a day, 7 days a week. If it’s an emergency, dial 911.

 

*While only your doctor can diagnose, prescribe or give medical advice, the 24-Hour Nurse Line can provide information on a variety of health topics.

Need a nurse?

More ways to understand your plan 

We have other resources that can help answer questions about your plan and benefits. You can access them on your plan website.

These resources include:

  • Summary of Benefits: A summary of your plan's costs and coverage, in a table format
  • Evidence of Coverage: A complete, detailed description of your plan’s costs and coverage
  • Formulary: A list of prescription drugs your plan covers


See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area. The availability of any particular provider cannot be guaranteed, and provider network composition is subject to change.  

©2025 Allina Health and Aetna Insurance Company 
3940010-26-01 
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