Page 6 - Cover Letter & Evaluation for Michael Novotny

follow the plan’s rules, which may include requiring referrals to see a specialist and restrictions
on expensive treatments. For someone in good health, this may be an acceptable tradeoff.

The risk in choosing an Advantage plan is that if you later want to switch to a Medigap policy,
perhaps because you want to see specialists who do not belong to any Advantage plan
networks, you will have to go through medical underwriting. This is probably not a substantial
risk, and many people in their late 70s and early 80s are able to buy their first Medigap polices
even though they may have some health issues. But although it is likely a small risk, it is one
that you should be aware of.

Michael, 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 August 1, show the office staff your enrollment cards for Medicare A&B
and the supplemental coverage you’ve selected. And on your first visit to the pharmacy, show
them the enrollment card for the plan you’re enrolled in. 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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