Page 1 - Cover letter and evaluation for Carol Smith

December 1, 2017

Mrs. Carol Smith
10550 Haileville Drive
Las Vegas, NV 89129

Dear Carol:

Your Medicare evaluation is enclosed. Please check the information on the client data sheet on
page 5 to make sure it is correct. Some of the information (including your date of birth) on your
questionnaire didn’t fully transmit, and if there’s something that needs to be changed, it’s easy
for us to do it.

It’s a good idea to enroll in the plan you choose by December 20 or so, which will leave enough
time for you to receive your enrollment card by the first of the year. Also, you should have your
Medicare card by then (you may already have it), indicating that as of January 1 you will have
Part A and Part B.

After you’ve decided on the plan you want, you can enroll by calling either 800-MEDICARE or
the plan’s toll-free enrollment number, shown on pages 2-3 of your evaluation and in the
appendices.

Your questionnaire indicates that you want to enroll in a Medicare Advantage plan, and so your
evaluation compares four Advantage plans. Clark County has only 12 Advantage plans (in 2018
the average county will have 21 Advantage plans). Three of the plans compared in the
evaluation are HMO’s and the other one is a PPO.

The PPO plan does not seem to be a good fit for you – it has a $750 medical deductible and a
$46 monthly premium for prescription drug coverage. But I wanted to include one PPO in the
evaluation, and it’s possible that at some future point you may want to switch to a PPO. Despite
their high out-of-pocket limits and in some cases high medical deductibles, people who want to
enroll in an Advantage plan sometimes have little choice other than a PPO – that’s because one
or more of the doctors they want to see do not belong to any HMO networks.

As you know, you can switch from one Advantage plan to another each year during annual
open enrollment without having to answer questions about your health or running the risk of
being denied coverage. That’s different than Medigap policies, where after your initial six-
month enrollment period you will be asked questions about your health before you can get a