Page 1 - Cover Letter and Evaluation for Anne Ellzey
P. 1
November 10, 2017
Mrs. Anne Ellzey
2705 Little John Lane
Austin, TX 78704
Dear Ms. Ellzey:
Your Medicare evaluation is enclosed. Please check the information on the client data sheet on
page 5 to make sure it is correct. Because you want your coverage to go into effect on
December 1, you should enroll in your supplemental plans a week or more prior to that date.
That way, you will have your enrollment cards for the Medigap policy and the Part D stand-
alone drug plan in early December. Also, I assume that you have (or soon will) your Medicare
enrollment card indicating that your Part A and Part B coverage will be effective 12-1-2017.
After you’ve reviewed the evaluation and decided on the coverage you want, it’s a good idea to
call a minimum of three insurance companies for Medigap quotes before deciding which
company you will buy from. You can enroll in the Part D stand-alone plan that you want by
calling the plan’s toll-free number, shown on page 4 of your evaluation and in Appendix C2.
In most cases the costs shown in your evaluation are for the 2018 plan year. But Medicare has
not yet said how much the Part B deductible and various co-payments will be next year, so the
2017 amounts are used.
Medigap policy choices
You indicated in your questionnaire that you are interested only in Medigap policies, and so the
evaluation compares four Medigap plans (F, G, N, and L), all of which provide good coverage.
Plans F, G, and N are similar, while Plan L involves a bit more cost sharing but unlike the other
three has an out-of-pocket limit. These are not the only good Medigap plans, of course, but
they are all relatively comprehensive and, except for Plan L, among the most popular plans.
Since the evaluation compares four Medigap plans, it might help to review some features that
all Medigap policies share (you may be aware of these). Medigap policies can be purchased
during the first six months you have Part A and Part B without answering health-related
questions – although companies can adjust premiums for age, gender, and smoking status.
After that six-month period guaranteed-issue period has past, however, you will likely have to
answer questions about your health if you want to switch to another insurance company or
upgrade to a more comprehensive Medigap plan.