Page 1 - Cover Letter and Medicare Evaluation for Donald Pender

October 20, 2021

Mr. Donald Pender
12 Wandering Rill
Irvine, CA 92603

Dear Mr. Pender:

Your Medicare evaluation is enclosed. You may have already begun (and perhaps completed)
the process of enrolling in Part A and Part B, with your Medicare coverage scheduled to start on
January 1, 2022. If you haven’t yet enrolled in Part A and Part B, you can do so at the following
link https://secure.ssa.gov/iClaim/rib or if you have questions about how to enroll, you can
contact Social Security at (800) 772-1213. You will be asked to verify that you’ve had coverage,
including creditable drug coverage, since you turned 65.

You should receive your new Medicare card in about three weeks after you have completed
your application, and it should specify that your Part A and Part B coverage will begin on
January 1, 2022. Because you have not yet begun to receive Social Security payments, you will
be billed quarterly in advance for Part B premiums. After you start receiving Social Security
benefits, your Part B premiums will be deducted from your monthly checks.

Since you do not have a retiree health plan, your choices for supplemental coverage are 1) to
enroll in a Medicare Advantage plan that includes prescription drug benefits, or 2) to acquire a
Medigap policy and enroll in a Part D stand-alone plan. In your questionnaire, you indicated
that you wish to see comparisons of both these options. Your evaluation compares two
Medigap policies (Plan G and Plan N) and two Medicare Advantage plans.

Because Medicare has not yet released the cost-sharing information for 2022, your evaluation
uses this year’s numbers for the Part B premiums ($148.50 a month) and for the Part B
deductible ($203). People with higher incomes may pay higher Part B and Part D premiums.

Dr. Chen’s network affiliations

As indicated in Appendix A, Dr. Chen accepts Medicare-approved rates and is also in the
networks of both Advantage plans in your evaluation. But before enrolling in an Advantage
plan, you should verify with his office that he is still in the plan’s network.

How Medigap policies work

Medigap policies are supplements to traditional (original) Medicare. If you have a Medigap
policy and go to your physician, he or she sends the bill for your visit to Medicare, which pays