Page 5 - Cover letter and evaluation for Geoffrey Newman

use the full name of the plan so as to avoid confusion (there are several AARP and Express
Scripts Part D plans). To acquire a Medigap policy, you can request that the insurance company
issue you a policy with an effective date of June 1. And it’s a good idea to call a minimum of
three insurers before deciding which company you will purchase your Medigap policy from.

Finally, there are a couple of other things to keep in mind as you make the transition to
Medicare as your primary coverage. On your initial visits to your doctors after June 1, show the
office staff your new enrollment cards for Medicare A&B, your Medigap policy and your Part D
stand-alone plan. That will help to avoid any billing confusion. Also, you’re entitled to a free
“Welcome to Medicare” physical (see page 11 of the evaluation), but you’ll probably have to
request it.

Sincerely,

David Armes, CFP®

Attachments

WDA:12115

5