Page 1 - Cover Letter and Medicare Evaluation for Diane Falten

November 1, 2021

Mrs. Diane Falten
21 Third Street, Apt. 405
Dover, NH 03820

Dear Mrs. Falten:

Your Medicare evaluation is enclosed. Since you are already enrolled in Part A and Part B of
Medicare, you can enroll in your supplemental coverage at any time, although it should start
the day after your husband’s employer plan ends (typically on the last day of the month).

As an example, if your coverage through your husband’s employer plan ends on December 31,
your Medicare Advantage plan coverage should start on January 1 – as the costs shown in your
evaluation assume. And once your Advantage plan coverage begins, it will be your primary (and
only) health insurance.

Medicare has not yet announced its Part B premiums for next year, and your evaluation uses
this year’s standard monthly premium of $148.50, which is probably already being deducted
from your monthly Social Security checks. Also, people with higher incomes may pay higher
Part B and Part D premiums.

Your evaluation compares three Advantage plans. Your husband mentioned that your
preference is to enroll in an Advantage plan sponsored by Martin’s Point. As you may know,
there are five Martin’s Point plans in your area, all of them with five-star quality ratings from
Medicare. And while they are rated among the country’s best Advantage plans, they can still be
costly if you do not use the plan’s network providers. In a PPO plan, for instance, although you
have coverage when you go to any out-of-network provider, you will pay more.

It’s important, then, to verify that your doctors are in a plan’s network before enrolling. Usually
this takes only a phone call to the doctor’s office. One reason for doing this is that the provider
directories that we rely on may not be up to date. All your providers accept Medicare-approved
rates, as shown in Appendix A1.

The Advantage plans compared in your evaluation include prescription drug coverage, and
when you enroll in one of these plans, you will also be enrolling in Part D. To enroll in any of
these plans, you can call its toll-free number, shown on pages 2-4 of the evaluation and in the
appendices. You can also switch plans every year during annual open enrollment

Here are descriptions of the three Advantage plans compared in your evaluation: