Page 6 - Cover Letter and Evaluation for Maria Elena Yajarano

you’ll let us know the dose you use, we will be glad to re-run your drug costs and give you more
accurate pricing. The second page of Appendix D1 lists the various formulations and dosages.

On your questionnaire you didn’t indicate which local pharmacy you use, and so I chose three
commonly used national pharmacy chains – CVS, Walgreens, and Walmart pharmacies – to see
which has the lowest prices in each plan.

You can see a more detailed comparison of the two lowest-cost stand-alone plans on page 4 of
your evaluation. If you prefer to get monthly refills at a local pharmacy, the lowest-cost stand-
alone plan for next year is the Clear Spring Health Premier Rx Plan. Its estimated annual costs
for your drugs next year are $248, including premiums and co-payments. Those costs are the
same at all three pharmacies, although only CVS and Walmart are preferred pharmacies in this
plan. To enroll in this plan, call (877) 317-6082 and let them know you want your coverage to
begin on January 1. This plan’s benefit summary is in Appendix D2.

If you prefer to get mail-order refills, the lowest cost plan is the Elixir RxPlus Plan. Its estimated
mail-order costs for next year are $229, again including premiums and co-payments. To enroll
in this plan, call (888) 377-1439. This plan’s benefit summary is in Appendix D3. You indicated
that you get one of your drugs at a local pharmacy and the others via Express Scripts. If you
want to continue using mail order for two of your drugs and go to a local pharmacy for the
other drug. In this plan, you would likely get the lowest costs for the your local refills at a CVS or
Walmart pharmacy.

Whichever plan you enroll in, you will be asked to provide documentation that your current
plan has creditable drug coverage, which it does. Also, see if you can get your current
prescriptions transferred to your new plan at year’s end. If that can’t be done, you’ll need to
ask your doctors for new prescriptions.

Finally. there are a couple of things to keep in mind as you make the transition to your new
supplemental coverage. On your initial visits to your doctors after January 1, show the office
staff your Medigap enrollment card. That will help to avoid any billing confusion. And show
your stand-alone drug plan enrollment card to your pharmacist.

Sincerely,

David Armes, CFP®

Attachment: Medicare’s guaranteed issue right for people who involuntarily lose their
employer-sponsored supplemental coverage

WDA:102220

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