Page 1 - Cover Letter and Mediicae Evaluation for Mr. Bruno V. Manno

November 9, 2020

Mr. Bruno V. Manno
3810 Taylor Street
Chevy Chase, MD 20815

Dear Mr. Manno:

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.
Medicare has not yet said how much next year’s Part B premiums and cost-sharing amounts will
be, and for these the 2020 costs are shown.

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 there are not any Advantage plans in Montgomery County that are a
good fit for you, and so your evaluation compares three Medigap plans.

Medigap policies do not cover prescription drugs, and you will also need to enroll in a Medicare
prescription drug plan (PDP), often called a stand-alone drug plan. When you enroll in a stand-
alone drug plan, you will also be enrolling in Part D. Here are the steps you will need to take
within the next few weeks.

1) Decide which Medigap plan you want – Plan F, Plan G, 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 can sign
up on the phone, specifying that you want your coverage to go into effect on
January 1, 2021.

2) Choose which of the two stand-alone drug plans described in the Rx drug coverage
section below that you want to enroll in. Then call that plan to enroll effective
January 1, 2021. The phone numbers are shown on page 4 of your evaluation and
also in the Rx drug coverage section below.

You should receive your new enrollment cards within two or three weeks after you call.

Your physicians (but not your dentist) accept Medicare