Page 1 - Evaluation for Harry Coverston

August 14, 2018

Mr. Harry Coverston
630 Roberta Avenue
Orlando, FL 32803

Dear Mr. Coverston:

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 September 1, you should enroll in your
supplemental plans within the next week or so. That way, you will have your enrollment cards
by the first of the month or possibly a few days thereafter. After you’ve reviewed the
evaluation and decided on the coverage you want, you can enroll in one of the following ways:

 If you decide to enroll in an Advantage plan, you can either call 800-MEDICARE
to enroll or you can call the plan’s toll-free number, shown on pages 3-4 of your
evaluation.

 If you decide to get a Medigap policy and a Part D stand-alone plan, you can
enroll in the Part D plan by calling 800-MEDICARE or by calling the plan’s toll-free
enrollment number, shown on page 4 of your evaluation.

You will get the Medigap policy from one of the insurance companies listed in
the appendices. Before signing up for a Medigap policy, it’s a good idea to call a
minimum of three insurance companies for quotes. The companies’ phone
numbers are shown in Appendix B1.

You indicated in your questionnaire that you would like to see comparisons of Advantage plans
and Medigap policies. Your evaluation compares two Medigap plans (G and N) and two
Medicare Advantage PPO plans.

Medigap policies

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. During that period,
however, insurance companies can adjust premiums for age, gender, and smoking status.