Page 1 - Cover Letter and Appendices for Jerry Ellsworth

November 15, 2019

TO: Mr. Jerry Ellsworth

Dear Jerry:

Following is a brief summary of your prescription drug plan and Medigap policy coverage.

Your prescription drug coverage

Based on the costs shown in the Medicare Plan Finder, you can save about $62 next year by
changing from the Wellcare Value Script Plan to the Wellcare Wellness Rx Plan. To get those
savings, you will need to have your prescriptions filled at a Walmart Pharmacy (I’m not sure
which pharmacy you currently go to).

As you know, the Wellcare Wellness Rx Plan is also the lowest-cost plan for your wife’s drugs if
she will get her prescriptions filled at a Walmart Pharmacy. And as noted in your wife’s review,
it’s possible that the Wellcare Wellness Rx Plan has other preferred pharmacies in your area,
but there’s no easy way for me to find that out.

If you want to see if this plan has other preferred pharmacies nearby, you can call the Wellcare
Wellness Rx Plan’s number for current members at (888) 550-5252 and ask. You would call this
same number to switch from your current Wellcare Value Script plan to the Wellcare Wellness
Rx Plan.

Appendix A2 is a side-by-side comparison of your current plan and the Wellcare Wellness Rx
Plan, and Appendix A3 is a benefit summary of the Wellcare Wellness Rx Plan.

Your Medigap policy

Because Medigap policies are nationally standardized, your Plan F medical coverage will be the
same regardless of the insurance company that issues the policy. To give you an extra incentive
to buy their policies, insurers sometimes include a non-medical benefit like a free health club
membership. Appendix B1 is the Medicare web site’s brief description of the Medigap
standardization rule.

Appendix B2 shows the California Dept. of Insurance premium comparisons for someone your
age who lives in Sacramento County. If you want to get a quote, the insurance companies’
phone numbers are shown on this list from the California DOI. Appendix B3 shows CSG
Actuarial’s ranking of companies by their annual premiums for Plan F (the companies with the