Page 5 - Cover letter and evaluation for Thomas Barr

In the Advantage plan, then, you accept more risk as a tradeoff for lower premiums. If you do
not use numerous medical services or undergo expensive treatments, you will likely come out
ahead in the Advantage plan, although this particular plan does not appear to be a very good
match for you.

A middle course is to choose Plan N or Plan L, where your fixed costs are less than in Plan F and
your out-of-pocket risk slightly higher. In these two Medigap plans, of course, you will have the
flexibility that allows you to be covered when you go to any provider who accepts Medicare.

Tom, please let me know if you have any questions. Also, 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 doctors after January 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

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