Page 4 - Cover Letter and Evaluation for Russell Wild

because it is not covered by Part D. Beginning on the second page of Appendix C1 is the ranking
of the plans with the lowest costs for your drugs next year.

The lowest-cost Part D stand-alone plan for your drugs next year is the Humana Walmart Value
Rx Plan. The next lowest-cost plan -- the Clear Spring Health Premier Rx Plan -- is a less
desirable choice because 1) it is a new plan in 2021 and is not available for the month of
December, and 2) it does not yet have a quality-rating from Medicare.

Given that the Humana Walmart Value Rx Plan is a better option, you can enroll in this plan by
calling (800) 706-0872. This plan’s benefit summary is in Appendix C2. If you continue to get
monthly refills, the least expensive option is to go to a Walmart Pharmacy. There your
estimated annual costs are $366, including premiums, deductible, and co-payments. If you
switch to mail-order refills, estimated annual costs in this plan are $359 a year. See page 4 of
the evaluation for your estimated 2021 Rx drug costs at other area pharmacies.

As it turns out, the Humana Walmart Value Rx Plan also is the lowest-cost plan for the month of
December. Its estimated costs at area pharmacies for December, including premiums and co-
pays, are as follows (see Appendix C3).

Walgreens $31.65
CVS 31.00
Walmart 36.95
Mail-Order $49.10 (three-month supply)

You might ask your pharmacist if your current prescriptions can be used in the Humana
Walmart Value Rx Plan (they should be). If you switch pharmacies to get better pricing, you
might ask your current pharmacist to transfer your prescriptions to your new pharmacy. And if
you change to mail-order refills, you will need to ask your doctors for new prescriptions.

Finally, Russell, there are a couple of things to keep in mind as you make the transition to
Medicare. On your initial visits to your doctors beginning December 1, show the office staff
your new enrollment cards. That will help to avoid any billing confusion. And show your Part D
enrollment card to your pharmacist. 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®

Appendices
WDA:102220

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