Page 1 - Evaluation and cover letter for Jack Barnhill

December 6, 2017

Mr. Jack Barnhill
25365 Felicia Court
Mission Viejo, CA 92691

Dear Mr. Barnhill:

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 January 1, you
should enroll in your supplemental plans before Christmas. That way, you will have your
enrollment cards by the first of the year. 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 1-1-
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 3-4 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 B1.

You indicated in your questionnaire that you would like to see comparisons of Advantage plans
and Medigap policies. Your evaluation compares two Medigap plans (F and L) and two
Medicare Advantage plans – one an HMO and the other a PPO.

Medigap policies

At the outset it might help to review some features that all Medigap policies share (you may
already be aware of these). Medigap policies can be purchased during the first six months you
have Part A and Part B without having to answer health-related questions. Insurance
companies, can, however, adjust premiums for age, gender, and smoking status.