Page 1 - Cover letter and evaluation for Marcelle Nesci
P. 1

January 11, 2019


               Ms. Marcelle Nesci
               200 Fort Hill Road
               Apartment 501
               Peekskill, NY 10566

               Dear Ms. Nesci:

               Your Medicare evaluation is enclosed. Please check the information on the client data sheet on
               page 5 to make sure it is correct. The costs shown in your evaluation are estimates for the 2019
               plan year, although you will be enrolled in Medicare for only ten months of the year.

               As I mentioned in an earlier e-mail, if you haven’t already done so you can enroll in Part B by
               calling Social Security at (800) 772-1213 (or you can enroll online at ssa.gov or by scheduling an
               appointment at your local Social Security office). Within 2-3 weeks after you enroll, you will
               receive your Medicare card in the mail indicating that your coverage will start on March 1.

               You indicated in your questionnaire that you would like to see comparisons of both types of
               Medicare coverage – Medigap policies and Medicare Advantage plans. Your evaluation
               compares three Medigap plans and one Medicare Advantage plan. Once you’ve decided which
               type of coverage you want, here are the steps you might follow:

                            If you decide to enroll in the Advantage plan, you can enroll by calling 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
                              March 1. As noted below, it’s a good idea to verify with your doctors that they
                              are in the plan’s network, since the online directories that we use are sometimes
                              out of date.

                            If you decide to get a Medigap policy and a Part D stand-alone plan, you should
                              first decide which Medigap plan you want – Plan F, Plan G, Plan N, or another
                              plan. Then we suggest that you call three or more insurers before deciding which
                              company you’ll get your policy from.

                              The toll-free numbers of insurance companies licensed to sell Medigap policies in
                              New York are shown in Appendix B2, which also lists plan premiums. In addition,
                              premiums from CSG Actuarial are shown in Appendices B3, B4, and B5. The CSG
                              premiums do not include the companies’ toll-free numbers, though, which you’ll
                              need to get in Appendix B2. Once you’ve decided on the company you will get
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