Page 1 - Cover letter and evaluation for Peter Smith

November 27, 2017

Mr. Peter A. Smith
10550 Haileville Drive
Las Vegas, NV 89129

Dear Peter:

Your Medicare evaluation is enclosed. Please check the information on the client data sheet on
page 6 to make sure it is correct. As you are aware, if you want to make changes to your current
coverage you will need to do so by December 7, the date that Medicare’s annual open
enrollment ends. Your new coverage will go into effect on January 1, 2018.

You’d indicated on your questionnaire that you want to switch from your current coverage – a
Medigap policy and a Part D stand-alone plan – to a Medicare Advantage plan. Once you have
decided which Medicare Advantage plan you want to enroll in, you will need to make two
telephone calls.

• To enroll in an Advantage plan, you can call 800-MEDICARE (24/7) or you can
call the plan. Each plan’s enrollment phone number is shown on pages 2-3 and
in the appendices. You do not need to dis-enroll from your current Part D stand-
alone plan – Medicare will do that for you when you enroll in the Advantage
plan that you choose. To avoid confusion, make sure that you give the person
you speak with the full name of the plan you want to enroll in. There are several
Aetna, Anthem, and AARP plans, for instance.

• Call your Medigap insurance company to notify them that you want to cancel
your Medigap coverage at the end of 2017. Request that a confirmation of your
cancellation be mailed or e-mailed to you.

Also, if at some future point you want to switch back to a Medigap policy, you will have to
answer questions about your health and any pre-existing conditions you might have. While you
may be able to get a Medigap policy without any problems, it can be helpful to understand that
you will be medically underwritten before you can get a quote or be sold a Medigap policy.

You can, though, switch Medicare Advantage plans each year during annual open enrollment
(October 15 – December 7) without answering questions about your health. The only
exceptions are people with end-stage renal disease, who may be denied coverage by Advantage
plans.