Every September a thick envelope arrives: the Annual Notice of Change. It decides what you'll pay next year — and you have until December 7 to do something about it. Paste it here and read it in plain words.
Free decoder
The summary table and the 'changes to costs and benefits' pages are enough. Leave out your Medicare number.
Why this exists
Premiums, deductibles, drug tiers, networks — all of it can move on January 1, and the only window to change plans is seven weeks in the autumn. Most people never open the notice. The ones who do usually can't tell which line is the expensive one.
How it works
The side-by-side cost table and the drug/network change list. No account, nothing stored.
Each change in dollars, your own drugs flagged if they moved tiers, doctors or pharmacies that left the network.
Three specific questions for your plan or a free SHINE counsellor — and on a paid plan, a call script and a plan-to-plan comparison.
Plans
The decoder stays free every autumn. Pay when you want the comparison and the script.
Everything in the free version plus the call script and a side-by-side of two plans.
For the son or daughter handling a parent's Medicare. Unlimited notices, EOBs and denial letters, all year.
Branded decoder with your phone number as the 'talk to someone' step in every answer.
All prices in USD, handled by Stripe. Medicare Decoder is not Medicare, an insurer or an agent, and does not enrol anyone in anything. Free counselling is available from Florida SHINE at 1-800-963-5337.
Built by the same team, free to try.