Page 7 - Cover Letter and Medicare evaluation for Dr. Peter Yesawich
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and health plan premiums, health plan deductibles, and your Rx drug costs (premiums + co-
payments).
On the other hand, your worst-case costs in the Advantage plans are greater than with the
Medigap policy + stand-alone drug plan. Depending on the types of medical services you
receive from your Illinois providers, your costs in the Advantage plans could rise sharply during
the year. Another risk is that if you don’t get your Medigap policy during the first six months
you have Part B, you will pay higher premiums later and might even be denied coverage.
Finally, Dr. Yesawich, there are a couple of things to keep in mind as you make the transition to
Medicare. On your initial visits to your doctors in 2021, show the office staff your new
enrollment cards. That will help to avoid any billing confusion. And show your Part D enrollment
card to your pharmacist. 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®
Attachment: Names, dosages, and quantities of the Rx drugs you take
Appendices
WDA:102220
7
