Page 5 - Cover Letter and Medicare Evaluation for Neill McLauchlin

likely need to get a referral from your primary care doctor before you can see a
specialist. This plan’s benefit summary is in Appendix C2.

2) The Cigna True Choice PPO Plan. This is a new plan that does not yet have a quality
ratting from Medicare. Because it is a PPO, it provides some coverage when you go
to out-of-network providers, although depending on the service you could pay as
much as 30% of the cost. Also, its out-of-pocket limits are high -- $5,750 if you use
only network providers and $11,000 for in- and out-of-network services combined.

In this plan you’ll have no co-payment for an office visit to your primary care doctor
and $25 for an office visit to a specialist. If you see a doctor who is not in the
network, you will pay $40 for an office visit to your primary care doctor and $55 for
a visit to your specialist. This plan’s benefit summary is in Appendix C3.

Your Rx Drug Plan Coverage

The names, dosages, and monthly quantities of your Rx drugs are shown on the first page of
Appendix D1. Please check to make sure that this information is correct – these Rx drugs,
dosages, and monthly quantities were entered into Medicare’s Plan Finder program to identify
the Advantage plans and stand-alone drug plans with the lowest costs for those drugs. And
following the list of your drugs in Appendix D1 is a list of the lowest-cost stand-alone plans for
those drugs.

The Medicare Plan Finder program assumes that your enrollment will start on the first day of
the coming month (April), but your costs will be less than those shown in the appendices
because your enrollment will not go into effect until June. On page 4 of your evaluation are
estimates of your Rx drug costs for the last seven months of this year. If you start your mail-
order prescriptions in early June, you will have a two-months supply of your drugs remaining at
the end of the year.

In the two Advantage plans in your evaluation, your estimated costs for mail-order refills for the
last seven months of this year are the same -- $664. Walmart Pharmacy is a preferred pharmacy
in both these plans, and if you need a short-term prescription at a retail pharmacy, you will
probably get the lowest prices at one of a plan’s preferred pharmacies.

As mentioned earlier, if you get a Medigap policy you will also need to enroll in a stand-alone
drug plan. The lowest-cost Part D stand-alone plan for your drugs is the Wellcare Value Script
Plan, whose benefit summary is in Appendix D2. Its estimated costs for your drugs for the last
seven months of this year are $764 for mail-order refills. To enroll in this plan, you can call (866)
859-9084. Walmart Pharmacy is not a preferred pharmacy in this plan.

Whichever coverage you choose, you might ask if your prescriptions can be transferred from
your current employer plan to the plan you are enrolling in. If they can’t be transferred, you will
need to ask your doctors for new prescriptions to be submitted to your new plan.

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