The letter is to inform her that her Medigap plan’s coverage has been determined by the Federal government to be inadequate and the plan must therefore discontinue offering such coverage. Ms. Eisenberg will have to select a different Medigap plan if she wants drug coverage.
Answer: She should be told that her coverage <em>is not going to be able to pay, as much, as her Medicare standard insurance is paying.</em> The laws changed in 2006, and Medigap no longer pays for certain coverage. Medigap is a separate and private insurance that only helps to pay some costs that Medicare won't pay.
When the letter stated the coverage was <em>"not creditable,"</em> they are letting her know that her coverage is not equal to the Medicare plan she currently has.
