It's a good idea to break word problems up one bit at a time.
So how much does the first month cost?
They told us it's $4.95
How much does the next month cost?
Each month after the first costs $18.95
How many months in a year?
So, 1 of those months cost $4.95, and all the rest cost $18.95
1 month at $4.95 and 11 months at $18.95 in math looks like
1×($4.95) + 11×($18.95) = $4.95 + $208.45 = $213.40
So the total cost is $213.40
Does that make sense? Any questions about it?