Page 1 - Cover Letter and Appendices for Melanie April 2019

April 18, 2019

Ms. Melanie Vincz
917 Medinah Drive
Fairview, TX 75069

Dear Melanie,

As discussed in your evaluation last year, the type of Medicare supplemental coverage that
appears to meet your needs is a Medigap policy combined with a prescription drug plan (also
called a Part D stand-alone plan).

Because you plan to continue seeing some doctors in Texas and others in California, and
because you may live part of the year in California, a Medigap policy will provide you with the
flexibility to be fully covered when you see doctors in either state (as well as in anywhere else
in the United States). But if you plan to stay in Texas year round or permanently move back to
California, you may no longer need that flexibility and there might be an Advantage plan that
has most or all of your doctors in its network and that also has low costs for your Rx drugs.

If you decide to get a Medigap policy and prescription drug plan, here is a checklist of the three
things you need to do to get your coverage in place by July 1.

1. Enroll in Part B of Medicare. The easiest way to enroll in Part B is to call Social
Security at (800) 772-1213 and let the representative know that you want your Part
B coverage to begin July 1. You can enroll now or at any time before July 1, although
the sooner the better. As you noted in your e-mail, you will be asked to provide
verification that you have had employer coverage since you turned 65.

Your questionnaire indicated that you believe that you already have Part A, but if
you don’t you can also enroll in Part A when you call Social Security. You should
receive your Medicare card within 2 or 3 weeks after you call. It will indicate that
your Part B coverage will begin on July 1. When you go to your doctors after July 1,
show the office staff your Medicare card so that they will correctly bill Medicare.

Once you begin receiving your Social Security payments, your Part B premiums will
be deducted from your monthly checks. Until then, you will be billed quarterly in
advance for your Part B premiums. Most people will pay $135.50 a month for Part B
premiums in 2019, although higher income people may pay more.

2. Purchase a Medigap policy. During the first 6 months that you have Part B, you
cannot be asked questions about your health or pre-existing conditions when you