Page 1 - Cover Letter and Evaluation for Steve Decker

March 12, 2020

Mr. Steven Decker
96 Kinney Hill Road
New Preston, CT 06777

Dear Mr. Decker:

Your Medicare evaluation is enclosed. Please check the information on the client data sheet on
page 5 to make sure it is correct. In most cases, the costs shown in your evaluation are
estimates for the last six months of 2020 plan year, but the estimates of Medigap premiums on
pages 6-7 are annual amounts. Also, your Part B premiums are assumed to be the standard
premiums ($144.60 a month), but higher income people may pay more for both Part B and Part
D premiums, as explained in the attachment to this letter.

Medicare’s initial enrollment period starts three months before someone turns 65. In your case,
this period starts on April 1, which is the earliest date you can sign up for Part A and Part B,
although your enrollment will not become effective until July 1. The easiest way to enroll is to
contact Social Security at (800) 772-1213 and let the representative know you want to enroll in
Parts A&B effective July 1. You should receive your Medicare card in the mail within two or
three weeks after you call.

Your supplemental coverage options

After enrolling in Parts A&B, your next step is to choose your supplemental coverage and have
it in place by July 1. When you enroll in your supplemental coverage, you will also be enrolling
in Part D. If you choose a Medicare Advantage plan, for instance, it will include your Part D
coverage as part of its overall benefit package. Or if you get a Medigap policy, you will also
need to enroll in a Part D stand-alone plan.

In your questionnaire you indicated that you would like to see comparisons of both types of
coverage – 1) Advantage plans and 2) Medigap policies combined with prescription drug plans,
also called stand-alone drug plans. After you’ve reviewed the evaluation and decided which
coverage you want, you can take these steps to enroll the plan(s) that you’ve chosen:

 If you decide to enroll in one of the Advantage plans compared in your
evaluation, you can call the plan’s toll-free number shown on pages 2-3 of the
evaluation. Make sure that the person you speak with understands that you
want your coverage to begin on July 1. And specify the exact name of the plan
you want to enroll in.