Page 6 - Cover letter and evaluation for Lee Palmiter

Rx Drug Plan Coverage

The two lowest-cost plans for the drugs you take are the Mutual of Omaha Rx Plus Prescription
Drug Plan and the Horizon Medicare Blue Rx Enhanced Prescription Drug plan. CVS Pharmacy is
a preferred pharmacy in both these plans.

As you can see on page 4 of the evaluation, the Mutual of Omaha plan has lower costs. But
there are two caveats with this plan, neither of them major. One is that this plan’s first year of
operation will be 2019 -- it is too new to be measured by Medicare, and so it doesn’t have a
quality rating. While not a substantial concern, it’s something to be aware of.

The other caveat is that the plan’s benefit summary indicates that a prior authorization from
your physician may be required for prednisone, as highlighted in Appendix C3. Again, this is
probably not an issue -- prior authorization requests are often waived without a physician’s
intervention. The next lowest-cost plan – the Horizon Medicare plan – does not have a prior
authorization requirement for prednisone or any of your other drugs.

Lee, please let me know if you have any questions. There are a couple of things to keep in mind
as you make the transition to Medicare as your primary coverage. On your initial visits to your
new doctors after January 1, show the office staff your enrollment cards for Medicare A&B and
the Medigap policy as well as the Part D stand-alone plan that you’ve selected. And on your first
visit to the pharmacy, show them the enrollment card for the Part D plan you’re enrolled in.
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®

Appendices
WDA:12115

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