Page 1 - Evaluation for John Shartle

November 4, 2017

Mr. John Shartle
220 Bristol Downs Dr
Gaithersburg, MD 20877

Dear Mr. Shartle:

Your evaluation is on the following pages. Because you already have good coverage, there’s
only one change that I might suggest -- switch to a different Part D stand-alone plan prior to
December 7, the date that Medicare’s annual open enrollment period ends. Doing that will save
you more than $400 next year, as explained in the Rx drug coverage section below. Otherwise,
you shouldn’t need to make any changes to your current coverage, whose costs and benefits
will be the same in Delaware as they are in Maryland.

Your Medigap policy

When people who have Medigap coverage move to a different state, their Medigap policy goes
with them (see Appendix B1). In some cases, their premiums will be adjusted to reflect the
average medical costs in their new locations, but those are probably the exceptions. Medigap
premiums in Delaware (at least in the zip code you’ll be moving to) are lower than in your
Maryland zip code, and so after you move you might ask Omaha Insurance if there will be an
adjustment.

Your current Plan G premium of approximately $140 a month is low, and it is doubtful you can
improve on it. Appendix B3 lists the Delaware Department of Insurance’s Medigap premium
comparisons. Because this list was last revised in February of this year, many of these quotes
here are likely out-of-date.

Appendices B4 and B5 are customized quotes for a man your age who lives in zip code 19970.
The premiums shown in Appendix B4 are from CSG Actuarial, and the lowest Plan G premium
on this list is more than you are currently paying. The same is true for the
UnitedHealthcare/AARP quotes in Appendix B5.

In addition, the premiums shown in the appendices are not medically underwritten quotes.
People who have been enrolled in Part B for more than six months will have to answer
questions about their health before they can get a quote. And if they have serious pre-existing
conditions or chronic illnesses, they will be quoted a higher premium (and in a few cases denied
coverage). Therefore the quotes shown in the appendices are the “minimums” for people who
have had Part B for more than six months.