Page 1 - Cover letter & Medicare evaluation for Mr. Carl Zambon

November 19, 2020

Mr. Carl Zambon
4900 Lyon Heart Drive, Apt. K
Owings Mills, MD 21117

Dear Mr. Zambon:

Your Medicare evaluation is enclosed. Please check the information on the client data sheet on
page 5 to make sure it is correct. In most cases, the costs shown in your evaluation are
estimates for the 2021 plan year, although you will be enrolled in Part B for only the last 9 or 10
months of the year, depending on the month you decide to start your coverage.

You mentioned in your e-mail that you will retire on March 1 and that your current employer
coverage will continue through the end of March. In that case, you might consider beginning
your Part B coverage on April 1. If you enroll in Part B effective March 1, your employer
coverage will not be of much value during the month of March except for services like routine
dental and vision care that Medicare doesn’t cover. And by waiting until April 1 to start Part B,
you will save one month’s premiums for your Part B and supplemental coverage.

The easiest way to enroll in Part B is to call Social Security at (800) 772-1213 and let them know
when you want your coverage to begin. If you decide on the April 1 date, you might wait until
January to call. You should receive your new Medicare card within three weeks after you call.

Your supplemental coverage options

In your questionnaire, you indicated that you would like to see comparisons of both types of
supplemental coverage – 1) Advantage plans and 2) Medigap plans combined with a Part D
stand-alone plan. But as explained below, there are not any Advantage plans in Baltimore
County that are a good fit for you, and so your evaluation compares three Medigap plans.

Since Medigap policies do not cover prescription drugs, you will also need to enroll in a
Medicare prescription drug plan (PDP), also called a stand-alone drug plan. When you enroll in
a stand-alone drug plan, you will also be enrolling in Part D. After you’ve enrolled in Part B,
here are the steps you will need to take, probably sometime in January or February.

1) Decide which Medigap plan you want – Plan F, Plan G, Plan N, Plan L, or another
plan. Then it’s a good idea to call at least three insurance companies and get current
quotes. When you decide which company you’ll get your Medigap policy from, you