Page 1 - Cover Letter & Evaluation for Helen Dorroh

April 13, 2018

Mrs. Helen Dorroh
820 Stratford Road
Avondale Estates, GA 30002

Dear Mrs. Dorroh:

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 May 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 May. 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 5-1-2018.

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.

Your current COBRA coverage

You probably are planning to drop your COBRA coverage at the end of April, but I might
mention that in a few cases it can be useful to keep it for the full 18 months. These few cases
occur when the employer pays all or a large part of the COBRA premium.

While you cannot use COBRA coverage to delay your Part B enrollment, you can use it to
postpone enrolling in a Part D stand-alone plan – so long as you have verified with the COBRA
plan that its Rx drug coverage meets Medicare’s creditable coverage standard. You can also use
the COBRA policy to provide benefits such as dental and vision care that are not provided by
Medicare. Attached to this letter is a brief description from the Medicare Rights Center
explaining how this might work.

Medigap policy choices

As you may know, during the first six months that someone has Part A and Part B, she or he can
acquire a Medigap policy without having to answer health-related questions. But in Georgia and
most other states, once that six-month guaranteed issue period is past, people with serious
pre-existing conditions can be charged substantially higher premiums and in some cases will be
denied coverage. Those who wait to purchase a Medigap policy until later retirement run the