Page 2 - Cover Letter and Evaluation for Raquelle Myers

People who have Part A and Part B and Medigap policies are said to be enrolled in traditional
Medicare (sometimes referred to as “original Medicare”). Medigap policies are generally
considered to be the best type of Medicare supplemental coverage because you can go to any
provider who accepts Medicare (as some 99% of doctors and public hospitals do). That means
you will have the ability to go to virtually any doctor, hospital, or clinic in the U. S. for Medicare-
covered services.

During the first six months you have Part A and Part B, you can get a Medigap policy without
having to answer health-related questions. And the state of Washington, after you have a
Medigap policy (other than Plan A), you can change insurers and plans at any time during the
year without having to answer questions about your health. So, in the future you can shop
around and switch your coverage to a different insurance company that has lower premiums.
The first page of Appendix B includes an explanation of the rights of Washington state residents
to acquire Medigap policies.

There are some services that Medigap policies do not cover, e.g., routine dental and vision care
and hearing aids. Plans G and N in your evaluation include some benefits for medical
emergencies while traveling outside the United States (as shown on pages 6-7). And because
Medigap policies do not include prescription drug coverage, you will need to enroll in a
Medicare prescription drug plan, also known as a stand-alone drug plan.

Most of your providers accept Medicare-approved rates

All but three of your providers are listed in the Medicare provider directory, as shown in
Appendix A. Rochelle Huntington is not listed because registered nurses cannot directly bill
Medicare, but her services may still be covered by Medicare and your Medigap policy if they
are billed by an approved entity such as the doctor who referred you to her or the medical
group she works for.

In addition, I was unable to locate Carol Wood and Lanier Taelin in the provider directory,
although again it is possible that you may be covered by Medicare when you see them. The
easiest way to find out is to ask their offices if they accept Medicare and if they do, which of the
services they provide are covered.

The Medigap plans in your evaluation

Below are brief summaries of the three Medigap plans that are compared in your evaluation.
The benefit summaries of all Medigap plans are shown on pages 6-7 of your evaluation. Since
you see several providers, Plan G is the best option for you, even though Plans N and L are also
compared. These three plans are listed in the order of their comprehensiveness.

1) Medigap Plan G. This is the most comprehensive Medigap plan available to people who
turn 65 in 2020 or later. It covers all of Medicare’s gaps except for the annual Part B

2