Page 1 - Cover letter and evaluation for Michele Buros

February 23, 2018

Mrs. Michele K. Buros
1790 Mountain View Drive
Monroeville, PA 15146-2057

Dear Mrs. Buros:

Your Medicare evaluation is enclosed. Please check the information on the client data sheet on
page 5 to make sure it is correct. Also, attached to this letter is the list of your two prescription
drugs and their dosages and monthly quantities. Let us know if these need to be changed, since
they were used by the Medicare web site’s Plan Finder to identify the Advantage plans with the
lowest costs for your drugs for the last 10 months of this year. In most cases, though, the costs
shown in your evaluation, though, are for the entire 2018 plan year.

You probably already have your Medicare card indicating that your Part B coverage will begin
on March 1. If not, you can contact Social Security at (800) 772-1213 to make sure you are
enrolled prior to March 1.

You’d indicated on your questionnaire that you want to consider only Medicare Advantage
plans, and in a subsequent e-mail your husband Mike mentioned that your preference is a PPO
plan. After you’ve decided on the plan that you want to enroll in, you can enroll in various ways.

You can call 800-MEDICARE or you can call the plan. Each plan’s enrollment phone number is
shown on pages 2-3 and in the appendices. To avoid confusion, make sure that the person you
speak with understands the exact name of the plan you want to enroll in. There are several
Advantage plans sponsored by Advantra, Aetna, Highmark and Humana, and you want to make
sure you’re enrolled in the right one.

Your husband indicated that you’re working with an insurance agent for help in selecting the
best plan. Agents can be helpful, and unless you call 800-MEDICARE, you will need to enroll
with an agent (when you call the plan directly to enroll, you speak to a licensed agent). The cost
should be the same whether you enroll through one of the plan’s agents or through the agent
that you’re already dealing with.

If you enroll via the agent you’re now talking with, it’s important that he/she can enroll you in
the plan that best matches your needs regardless of the insurance company that sponsors the
plan. Some agents do not represent a full range of insurers, and so they are knowledgeable
about only the plans that they sell. In other cases, agents have been known to steer people to