Page 2 - Evaluation for John Shartle

As you know, Plan G is a comprehensive plan, and except for the Part B deductible, it covers all
of Medicare’s gaps. In 2020 it will become the most comprehensive of the Medigap plans –
that’s because Plans F and C will no longer be sold after 2019 (although people who already
have one of these plans can keep them). So you have excellent coverage going forward.

Still, you might want to keep the telephone numbers of the insurers that sell Medigap policies
in Delaware (Appendix B2) – in case your premiums rise sharply in the future and you want to
shop around. You can change insurance companies and/or Medigap plans at any time of the
year (unlike Part D plans, which can be changed only during Medicare’s open enrollment
period).

If at some point you were looking for ways to save money on your Medigap premiums, you
might consider downgrading to a less comprehensive plan like Plan N or even Plan L. You will
have more co-payments in these plans, but your annual premiums will be roughly 25% lower.

These two plans are attractive to people in good health who do not go to their doctors
frequently or have expensive tests and treatments. But if you downgrade to a less
comprehensive plan (even if it’s with your current insurance company), you will likely have to
answer questions about your health if you later wanted to return to a comprehensive plan.

Your prescription drug coverage

Please check the two attachments to this letter to make sure that I correctly entered your Rx
drugs, dosages, and monthly quantities (there are two attachments because the Rx drug
information was entered twice – once for each zip code).

When people move to a different area, they usually keep their Part D stand-alone plans. Most
of these are national plans and their costs are the same in all states. If people are enrolled in
local stand-alone plans, however, they may need to change plans when they move.

Even though you can keep your current Humana-Walmart Rx Plan after you move, you will save
money by switching to a different stand-alone drug plan before Medicare’s open enrollment
period ends on December 7. Doing that will save you an estimated $435 next year compared to
what you’ll pay in the Humana-Walmart Rx Plan.

It is relatively easy to switch stand-alone drug plans, requiring only a telephone call to the plan
you want to enroll in (telephone numbers are included in the evaluation). You do not need to
dis-enroll from your current plan – Medicare will do that when it is notified that you are
enrolling in a different plan. In most cases your prescriptions will be transferred from your
current plan to your new plan, but you should verify that with your new plan. Your new
coverage will take effect on January 1, 2018.

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