Page 1 - Cover Letter and Evaluation for Paul Dorroh

April 16, 2018

Mr. Paul Dorroh
820 Stratford Road
Avondale Estates, GA 30002

Dear Mr. Dorroh:

Your Medicare evaluation is enclosed. Please check the information on the client data sheet on
page 5 to make sure it is correct. Because your coverage will go into effect on May 1, you
should enroll in your supplemental plans within the next few days. That way, you will have your
enrollment cards by the first of the month.

Also, I assume that you have (or will soon have) your Medicare enrollment card indicating that
your Part A and Part B coverage will be effective 5-1-2018. After you’ve reviewed the evaluation
and decided on the coverage you want, you can enroll in one of the following ways:

 If you decide to enroll in an Advantage plan, you can either call 800-MEDICARE
to enroll or you can call the plan’s toll-free number, shown on pages 2-3 of your
evaluation.

 If you decide to get a Medigap policy and a Part D stand-alone plan, you can
enroll in the Part D plan by calling 800-MEDICARE or by calling the plan’s toll-free
enrollment number, shown on page 4 of your evaluation. Before getting a
Medigap policy, it’s a good idea to call a minimum of three insurance companies
for quotes before deciding which company you will buy from. The companies’
phone numbers are shown in Appendix B3.

Your evaluation compares two Medigap plans (G and N) and two Aetna-sponsored Medicare
Advantage plans – one a PPO and the other an HMO.

Medigap policies

As explained in your wife’s evaluation, people can purchase a Medigap policy during the first six
months that they have Part A and Part B without having to answer health-related questions.
After that, they will have to disclose any pre-existing conditions before they can receive a quote
or be issued a policy (in cases of serious illnesses they can be declined coverage).

Perhaps the most desirable attribute of Medigap policies is their flexibility -- you do not need
referrals to see specialists and are covered when you see any provider who accepts Medicare
(as more than 98% of doctors and public hospitals do).