Plan Documents
Evidence of Coverage (EOC)
Quick answer
The Evidence of Coverage is the detailed contract that spells out what your Medicare Advantage or Part D plan covers, your rights, and your costs for the coming year.
Plain-English definition
Plans mail or post the EOC annually.
Why it matters
The EOC is the definitive source when questions come up about coverage rules.
A simple example
You read the EOC to confirm your plan's SNF cost sharing.
Common mistakes & misconceptions
Related terms
Annual Notice of Change (ANOC)
The Annual Notice of Change (ANOC) is a document your plan mails you every September that summarizes what will change on January 1 — premiums, cost sharing, formulary, network, and benefits.
Summary of Benefits (SB)
The Summary of Benefits is a short overview of what a Medicare Advantage or Part D plan covers, including premiums, MOOP, cost sharing, and extras.
Frequently asked questions
Do I keep old EOCs?+
Keep the current year's copy.
Sources & references
📚 Where this information comes from
- Medicare.gov — official U.S. government site for people with Medicare ↗Primary source for benefits, enrollment periods, and plan comparison.
- CMS.gov — Centers for Medicare & Medicaid Services ↗Federal rulemaking, program updates, and official guidance.
- Social Security Administration — Medicare enrollment & premiums ↗Enrollment, premium withholding, and IRMAA determinations.
When you're ready, compare plans on your own terms
See Medicare Advantage plans from the insurance companies we represent, or walk the course with a licensed agent whenever you'd like a second set of eyes.
We help compare Medicare Advantage plans from the insurance companies we represent, and we don't offer every plan available in your area.
Medicare Caddies is an independent insurance agency. We are not affiliated with, endorsed by, or connected to the U.S. government, the federal Medicare program, or the Centers for Medicare & Medicaid Services (CMS). We help compare Medicare Advantage plans from the insurance companies we represent, and we don't offer every plan available in your area.