Page 1 - Cover Letter and Medicare Evaluation for Heidi Bathon

November 3, 2021

Mrs. Heidi Bathon
Baltimore, MD 21230

Dear Mrs. Bathon:

Your Medicare evaluation is enclosed. As you know, the Medicare Advantage plan that you’re
currently enrolled in is going out of business after this year. Your husband indicated that you
want to get a Medigap policy so that you can continue to see your Johns Hopkins physicians.

Since your current Advantage plan is closing its doors, you have a guaranteed right to get a
Medigap policy without having to answer health-related questions or disclose pre-existing
conditions (although your premiums will be adjusted for age). This guaranteed right is
described in Appendix A.

In addition to acquiring a Medigap policy, you will also need to enroll in a stand-alone drug plan
to get your Part D benefits. Your evaluation identifies the stand-alone drug plan that has the
lowest costs for the Rx drugs you take, and you can enroll in this plan by calling its toll-free
number, shown on page 4 of your evaluation and below.

When Medicare is notified that you have enrolled in a stand-alone drug plan, it will disenroll
you from your current Advantage plan at the end of the year. You should verify that with the
drug plan to be sure. It’s best complete your enrollment in the next couple of weeks so that you
will have your enrollment cards in hand by the start of 2022.

Medicare has not yet announced the Part B premiums and Part B deductible for 2022, so the
2021 numbers are used in your evaluation. Your Rx drug costs, though, will not change next
year except for the diclofenac epolamine patches, where you pay 40% of this drug’s retail price.
When the manufacturer increases the price next year, your costs will increase slightly.

Here are your next steps:

1) Decide which Medigap plan you want (Plan F, Plan G, or Plan N)

2) Get at least three current quotes for the plan you want. Then choose the insurer you
will get your policy from and sign up, with an effective date of 1-1-22.

3) Enroll in a Medicare Prescription Drug Plan (PDP), also called a stand-alone drug
plan. The stand-alone plan that has the lowest costs for the Rx drugs you take is the