Page 5 - Evaluation for Norm Ross

In the Advantage plan, then, you accept more risk as a tradeoff for lower fixed costs. If you do
not use numerous medical services or undergo expensive treatments, you will likely come out
ahead in the Advantage plan, perhaps by a substantial amount.

A middle course is to choose Plan N or Plan L, where your fixed costs are less than in Plan F and
your out-of-pocket risk is not very much higher. In these two Medigap plans, of course, you will
have the flexibility to go to any provider who accepts Medicare.

Mr. Ross, please let me know if you have any questions. Also, 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 doctors after January 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

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