Page 5 - Cover Letter and Evaluation for Bob O'Connell

benefit to buying an off-formulary drug from the plan – not only will you usually pay quite a bit
more, but the amounts you spend on the drug will not count toward your plan’s deductible,
initial coverage limit, or catastrophic coverage threshold.

The AARP MedicareRx Walgreens plan is the next-to-lowest-cost plan for the last two months of
this year, and it is only $11 more expensive than the lowest-cost plan (which is also sponsored
by AARP). In the AARP MedicareRx Walgreens plan, your costs for the last two months are an
estimated $1,380, including premiums, deductible, and co-payments.

How to enroll in the plans you choose

To enroll in a Part D stand-alone plan, you can either call the plan’s toll-free number, shown
above and on page 4 of your evaluation, or you can call 800-MEDICARE. When you enroll, make
sure that you use the full name of the plan to avoid confusion (there are several Part D plans
from AARP).

You will get your Medigap policy from whichever insurance company you choose -- it’s a good
idea to call a minimum of three insurers before deciding which company you will purchase your
Medigap policy from. Company phone numbers are shown in an attachment.

Finally, there are a couple of other things to keep in mind as you make the transition to
Medicare as your primary coverage. On your initial visits to your doctors after November 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

5