Page 1 - Cover Letter and Evaluation for Gary Caskey

May 11, 2018

Mr. Gary Caskey
1924 Village Creek Ct.
Dunwoody, GA 30338

Dear Mr. Caskey:

Your Medicare evaluation is enclosed. Please check the information on the client data sheet on
page 5 to make sure it is correct. Because you may want your coverage to go into effect on June
1, you should enroll in your supplemental plans a week or more prior to that date. That way,
you will have your enrollment cards for the Medigap policy and the Part D stand-alone drug
plan in early May. Also, you can enroll in Medicare by calling Social Security at (800) 772-1213.
Within 2-3 weeks you should receive your Medicare card indicating that your Part A and Part B
coverage will be effective 6-1-2018.

After you’ve reviewed the evaluation and decided on the coverage you want, it’s a good idea to
call a minimum of three insurance companies for Medigap quotes before deciding which
company you will buy from. You can enroll in the Part D stand-alone plan that you want by
calling the plan’s toll-free number, shown on page 4 of your evaluation and in Appendix B2.

Medigap policy choices

During the first six months that someone has Part A and Part B, he or she can acquire a
Medigap policy without having to answer health-related questions. But in Georgia and most
other states, once that six-month initial enrollment period is past, people with serious pre-
existing conditions can be charged substantially higher premiums and in some cases will be
denied coverage.

Moreover, virtually all Medigap insurers require you to go through underwriting when you want
to upgrade to a more comprehensive plan. As an example, someone who had Plan L but wanted
to upgrade to Plan G would likely have to answer questions about his/her health status before
upgrading or even being provided a quote. The exceptions may be the Medigap policies sold by
UnitedHealthcare (or UHC) and endorsed by AARP. In most states UHC’s practice is to allow you
to change plans -- from L to G, for example -- without being medically underwritten.

If this is something that you’re interested in, you should first verify that this is UHC/AARP’s
current policy in Georgia. And even if this is UHC’s current policy, it is not contractually
obligated to adhere to it in the future, i.e., there is no contract provision that prevents UHC
from changing this policy in a few years.