Page 2 - Cover Letter and Evaluation for Amy Prack

resource is Social Security, which administers Part A and Part B enrollment. You can call SSA at
(800) 772-1213 if you have questions about when you need to enroll in Part B.

The plans compared in your evaluation

Once your Part B coverage goes into effect, you will want to have supplemental coverage to
help pay for some of Medicare’s gaps. You indicated in your questionnaire that you would like
to see comparisons of Medigap policies and Medicare Advantage plans. Even though it’s
unlikely you can get a Medigap policy until you turn 65, your evaluation includes Medigap Plan
G as well as three Medicare Advantage plans.

The state of Ohio does not require insurance companies to sell Medigap policies to people
younger than 65. And even if you can get a Medigap policy, you would probably have to pay
very high premiums. When you turn 65, however, you will have a six-month Medigap
guaranteed issue period that begins on the first day of the month that you turn 65. During this
six-month period, you can get a Medigap policy without answering health-related questions.

Costs shown in your evaluation are for the entire 2019 plan year – so that you will have a
clearer picture of your annual costs – and your costs will be less because you will not be
enrolled for the full year.

Medigap policies

Even though a Medigap policy is probably not a viable option for you at this time, it might be
helpful to review some features that all Medigap policies share in case you want to consider
getting one of these policies when you turn 65. By understanding some of the basic features of
Medigap policies, you will be better prepared to decide when you turn 65 whether you might
want to get a Medigap policy.

Perhaps the most desirable attribute of Medigap policies is the flexibility they offer. There are
no networks, and you do not need referrals to see specialists – you will be covered when you
see any provider who accepts Medicare (as 99% of doctors and public hospitals do).

Unlike most Medicare Advantage plans, Medigap policies do not include prescription drug
benefits. Thus if at some future time you get a Medigap policy, you will also need to enroll in a
Part D stand-alone drug plan. And Medigap policies do not cover routine dental and vision care
or hearing aids. Plan G in your evaluation does include some benefits for medical emergencies
while traveling outside the United States.

The benefit designs for all 10 Medigap plans are shown on pages 6-7. After this year, Medigap
Plan F and Plan C will no longer be sold. Here is a brief summary of the plan in your evaluation.

1) Medigap Plan G. This is a very comprehensive Medigap plan, and it covers all of
Medicare’s gaps except for the Part B deductible (which is $185 this year). That means

2