Page 1 - Cover Letter and Evaluation for Gary Janke

October 8, 2018

Mr. Gary Janke
P. O. Box 2004
Brentwood, TN 37024

Dear Mr. Janke:

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. That way, you will have your
enrollment cards by the first of the year. Also, you should soon have your Medicare enrollment
card indicating that your Part A and Part B coverage will be effective 1-1-2019.

Even though the 2019 plan information is now available, Medicare has not yet said how much
the Part B premiums will be next year nor the Part A and Part B deductibles and some cost-
sharing amounts. In all cases, these are expected to be slightly higher than the 2018 numbers.
Since they are not yet available, the 2018 amounts are used for the Part B premiums, Part B
deductible and Part A deductible.

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
or 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. Before getting a
Medigap policy, it’s a good idea to call a minimum of three insurance companies
for quotes before deciding which company you will buy from. The companies’
phone numbers are shown in Appendix B3.

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

Medigap policies

At the outset 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