Many service contracts do not simply stop at the end of their term. They offer a renewal, a new form, or a new set of terms, and the notice may arrive as a routine letter. The reader who signed the first paper may never read the second one.
Set the old contract beside the renewal
Keep the signed contract and the renewal notice side by side. Compare the covered items, the exclusions, the cancellation clause, the waiting period, and the price line. A change in any one of these can matter more than the headline sentence in the letter. Where the renewal refers to a new form number, ask for that form in full before you accept it.
Find which law governs the renewal
The rules for renewal, notice, and cancellation come from the state statute that governs the contract. Each state page on this site names the regulator and the statute that apply there, and it says whether the state publishes a roster. Where this edition has not read a state's statute, the state page says so, and you should ask the regulator directly. The governing-law line in the contract is the place to start.
Ask the questions before the deadline
Ask the seller or administrator whether the renewal is optional, whether the old terms stay in force if you decline, how you give notice of cancellation, and whether any refund is pro rata or follows another method. Get the answers in writing. If the seller cannot say what changed, the renewal has not been read closely enough to sign.
Keep your own record
Note the date you received each notice and the address it was sent to. A notice that goes to a former address is a separate problem, and a written record of what you received makes any later dispute simpler to settle.