Medicare paperwork caregivers should keep: a checklist
The Medicare notices, statements and forms caregivers should keep, what each one is for, and how long to keep them.
Medicare generates a lot of paper. Knowing what to keep saves time when a claim is denied or a plan changes.
| Document | Why it matters | Keep for |
|---|---|---|
| Medicare card and plan cards | Needed at every appointment | While active |
| Medicare Summary Notices (MSN) | Shows what Original Medicare paid; check for errors | At least 1 to 2 years |
| Explanation of Benefits (EOB) from plans | Same for Part D and Medicare Advantage | At least 1 to 2 years |
| Annual Notice of Change (ANOC) | Shows next year's plan changes, sent by end of September | Until the next one |
| Creditable coverage letters | Protect against Part D penalties | Permanently |
| Medigap policy and rate notices | Proof of coverage and history of increases | While active |
| IRMAA notices and SSA-44 appeals | Higher-income premium decisions | Several years |
| MOON and discharge notices | Hospital status and appeal rights | Until bills are settled |
Reading a Medicare Summary Notice
Check that the services listed match visits that happened. Unknown providers or services can signal billing errors or fraud. Report problems to the provider first, then to 1-800-MEDICARE.
The Annual Notice of Change
Every autumn, drug and Medicare Advantage plans send an ANOC listing changes to premiums, formularies and networks. It is the most important document to read before Open Enrollment. Drug changes in particular can be large; see 2026 drug cost rules.
Digital copies
Medicare.gov accounts show claims and plan details online. Scanning paper notices into a shared folder helps families who live in different cities.
Questions people ask
How long should I keep Medicare Summary Notices?
At least one to two years, longer if a claim is disputed.
What is the ANOC?
The Annual Notice of Change plans send each autumn describing next year's changes.
Why keep creditable coverage letters?
They prove you had drug coverage and avoid Part D penalties.
Can I see claims online?
Yes, through a Medicare.gov account.
Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.