Page 6 - Cover Letter and Evaluation for Debbie Workman

There’s a slight risk, as you know, in waiting until later retirement to get a Medigap policy. The
reason is that if they develop a serious medical condition, they might not be able to get a policy.
And although this risk is small, it’s one to be aware of. Another option that some people choose
is to start with one of the less expensive Medigap plans, knowing that in the state of
Washington they can later upgrade to a more comprehensive plan without having to answer
questions about their health.

Debbie, 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 February 1, show the office staff your enrollment cards for Medicare
A&B and the supplemental coverage you’ve selected. And even though you’re going to get
mail-order refills, 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 later 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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