Page 5 - Evaluation and cover letter for Jack Barnhill

But it’s probably not a good match for your current needs. Its primary benefit could be
that you can go to any doctor, giving you a wide choice of specialists if you need one.
When you see a non-network doctor, you could pay up to 40% of the cost. Dr. Albert is
listed in this plan’s provider directory but Dr. Patel is not. Other less-than-desirable
features are its $750 medical deductible, a high $6,700 out-of-pocket limit for network
services, and medical premiums of almost $1,000 a year.

Rx Drug Plan Coverage

If you purchase a Medigap policy you will also need to enroll in a Part D stand-alone plan. For
the two Rx drugs that you take, the lowest-cost stand-alone plan is the Aetna Medicare Rx
Select Plan. If you get monthly refills at CVS, your estimated 2018 costs in this plan are $237,
which includes premiums, deductible, and co-payments. If at some point you want to switch to
mail-order refills, the lowest-cost plan is the Humana-Walmart Rx Plan.

In the AARP Medicare Complete Secure Horizons Plan 2, the costs for the two drugs you
currently take are $0 – no premiums and no co-payments. In the Aetna Medicare Choice PPO
Plan, your annual Rx costs are $302 (the annual total of your monthly $25.20 drug premiums).

Jack, 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 January 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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