Page 6 - Cover Letter and Evaluation for Frank Levy

Both Advantage plans in your evaluation have a $6,700 out-of-pocket limit for network services,
which is a substantially higher amount than you will pay for the most comprehensive Medigap
plan. In Advantage plans, one key to keeping your costs low is to see only network providers
(except in emergencies).

Frank, 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 March 1, show the office staff your enrollment cards for Medicare A&B
and the supplemental coverage you’ve selected. And even though you’re going to get mail-
order refills, on your first visit to the pharmacy show them the enrollment card for the plan
you’re enrolled in and also your Medicare card for any Part B charges. That will help to avoid
any later 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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