Page 1 - Cover Letter and Evaluation for Bob Workman
P. 1
October 26, 2017
Mr. Bob Workman
2611 N. Fox Lane
Spokane Valley, WA 99206
Dear Mr. Workman:
Your Medicare evaluation is enclosed. Please check the information on the client data sheet on
page 5 as well as the attached list of your prescription drugs to make sure they are correct.
Most of the costs shown in your evaluation are estimates for the 2018 plan year. Medicare’s
2018 costs, however, haven’t been released yet, and so the 2017 numbers are used for the Part
B premium, the Part A and Part B deductibles, and the cost-sharing amounts for Medigap
policies (shown on pages 6-7 of your evaluation).
Otherwise, the costs shown are for 2018, including the Medicare Advantage and prescription
drug costs on pages 3-4. The Medigap premiums are estimates, but they should be close to
what you will pay next year.
You indicated that you want to evaluate your Medicare supplemental coverage. Currently you
have Medigap Plan N and the SilverScript Choice prescription drug plan. Your Plan N policy is
issued by UnitedHealthcare/AARP and has a $139.25 monthly premium ($1,671 a year).
In the evaluation, I’ve compared your current coverage to three other options that range from
the very comprehensive (and expensive) Medigap Plan F to the less comprehensive Medigap
Plan K. Also compared is a Medicare Advantage plan -- the Humana Choice Advantage PPO Plan
(Plan # H2516-046). Unlike most Advantage plans this one does not include prescription drug
coverage, and if you choose it you will also need to be enrolled in a Part D stand-alone
prescription drug plan.
The first thing you should do
Regardless of which of these options you choose, you will want to change your prescription
drug coverage. Next year your current SilverScript Choice drug plan will be at least $350 more
expensive than the lowest-cost stand-alone plan for your Rx drugs (see Appendix D3). It might
be even more costly than that, depending on the refill schedule you choose and the pharmacies
you use, as explained in the Rx drug coverage section below.
