Page 1 - Cover letter and evaluation for Janet Clayton

February 2, 2020

Mrs. Janet Clayton
655 S. Rimpau Blvd.
Los Angeles, CA 90005

Dear Janet:

Your Medicare evaluation is enclosed. Please check your client information on page 5 of the
evaluation to make sure it is accurate, then review pages 2-7. The costs shown on page 3 are
estimates for the entire 2020 plan year, even though this year you will be enrolled for only
eight months. And as you’ve indicated, your actual costs will be greater than those shown
because your Part B and Part D premiums will be based on your higher income.

Here are the three steps you will need to complete before May 1:

1) Enroll in Part A and Part B with an effective date of May 1, 2020
2) Acquire a Medigap policy
3) Enroll in a Medicare prescription drug plan (also called a stand-alone drug plan)

Enroll in Part A and Part B

You can enroll in Parts A&B at any time (your initial enrollment period began on February 1).
Probably the easiest way to enroll is to call Social Security at (800) 772-1213 and let the
representative with whom you speak know that you want your Parts A&B coverage to begin in
May. You can also enroll online at ssa.gov or by scheduling a conference at a nearby Social
Security office, but the simplest way is to call. You will receive your Medicare card within 2-3
weeks, and it will indicate that your Part A and Part B coverage will start on May 1.

Until you begin receiving your monthly Social Security payments, Social Security will bill you
quarterly in advance for your Part B premiums. Later when you start receiving your Social
Security payments, your Part B premiums will be deducted from your payments. As for Part D,
you will pay the regular monthly premium to the stand-alone drug plan you enroll in. But the
additional amount that’s assessed for higher-income individuals will be paid to Social Security --
quarterly in advance until you begin receiving your Social Security benefits.

Acquire a Medigap policy

In your questionnaire you indicated that you want to get a Medigap policy, and so your
evaluation compares four Medigap plans. You will likely want Plan G, the most comprehensive