Page 1 - Cover Letter and Evaluation for Dr. Herman Kensky

November 13, 2017

Dr. Herman A. Kensky
4 Schroeder Court
Savannah, GA 31411

Dear Dr. Kensky:

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 by mid-December or before. That way, you will have
your enrollment cards for the Medigap policy and the Part D stand-alone drug plan 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, 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 lowest-premium Part D stand-alone plan by
calling the plan’s toll-free number, shown on page 4 of your evaluation and in Appendix B2.

In most cases the costs shown in your evaluation are for the 2018 plan year. Because Medicare
has not yet said how much the Part B deductible and various co-payments will be next year, the
2017 amounts are used for Medicare cost-sharing on pages 3-4 and 6-7 of your evaluation (the
2018 amounts will likely be about 3% higher).

Medigap policy choices

You indicated in your questionnaire that you are interested only in Medigap policies, and so
your evaluation compares four Medigap plans (F, G, N, and L), all of which provide good
coverage. Plans F, G, and N are similar, while Plan L has more cost sharing but unlike the other
three has an out-of-pocket limit. These four are not the only good Medigap plans, of course,
but they are all relatively comprehensive and, with the exception of Plan L, among the most
popular plans.

Since the evaluation compares four Medigap plans, 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 your having to answer
health-related questions. Insurers, can, however, adjust premiums for age, gender, and
smoking status.