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With the exception of Dr. Duncan, all of your doctors are listed in the networks of the two
Advantage plans in your evaluation (see Attachment A). We rely on each plan’s online network
directory to find which doctors belong to its network, but these online directories are
occasionally out of date. That’s why we suggest that before enrolling in an Advantage plan, you
verify with your doctors’ offices that they are still in the plan’s network,

You may want to ask Dr. Duncan whether Medicare covers the types of treatments you receive
from him -- Medicare does not cover most chiropractic services. And if Medicare does not cover
your treatments, you will pay the entire cost regardless of whether you buy a Medigap policy or
enroll in an Advantage plan.

But if Medicare covers at least some of your chiropractic treatments, then you may be better
off with a Medigap policy, although again this is something you may wish to discuss with him.
It’s also possible that he is in one or both Advantage plans’ networks but is not listed, given that
the online directories are sometimes out of date. Attached to this letter is a brief description of
the one chiropractic service that Medicare does cover.

Here are brief descriptions of your four options:

The two Medigap plans

There are 10 Medigap plans, each with a different benefit design (see pages 6-7). For your
evaluation, we chose two plans -- Plan F and Plan L – to compare. They are described in more
detail below.

As you may know, Medigap policies can be purchased during the first six months you have Part
A and Part B without your having to answer questions about your health. This six-month period
is known as the Medigap guaranteed issue period. But after that six-month period is past, in
Florida you will be required to answer health-related questions before you get a premium
quote.

That’s not to say you can’t wait to get a Medigap policy until several years from now. Many
individuals get their first Medigap policy when they are well into their 70s or even 80s. But at
that point if they have a serious chronic disease, they will have to pay higher premiums, and in
some cases they may be denied coverage.

Medigap policies’ best feature is that there are no network restrictions. You do not need
referrals to see specialists, and you will be covered when you see any provider who accepts
Medicare. That means you can go to virtually any doctor, hospital or clinic in the U. S. and be
covered.

Some doctors who accept Medicare do not accept Medicare assignment, which means they can
charge up to 15% more than the Medicare-approved rate. Plan F covers that additional charge

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