Page 5 - Cover Letter and Medicare Evaluation for Jamie Marshall

rating, as shown in the CSG Actuarial quotes. Several years ago, a government study found that
larger companies tend to have slightly smaller annual increases, on average.

Rx Drug Plan Coverage

Please check the list of Rx drugs, dosages, and monthly quantities shown in Appendix C1. This is
the list that the Medicare Plan Finder program used to identify the stand-alone drug plans that
have the lowest costs for your drugs. In Appendix C2, you’ll see a ranking of the lowest-cost
plans based on the list in Appendix C1. This ranking is for the last 11 months of this year (the
Plan Finder program assumes you will enroll on the first day of the next month – February, in
this case).

The Humana Walmart Value Rx Plan has the lowest costs for your drugs if you get monthly
refills at a CVS pharmacy. You can enroll in this plan by calling (800) 281-2918. For the full year,
your estimated costs are $1,117.50, as shown in Appendix C3, and your costs should be roughly
$800 for the nine months you’re enrolled. That amount includes premiums, co-payments, and
co-insurance payments.

That is only an estimate, of course. For one thing, it assumes all your prescriptions will be filled
on the first day of coverage, which is unlikely. Also, three of your Rx drugs require co-insurance
payments where you pay a percentage of the drug’s cost -- and when the manufacturers raise
their prices during the year, your costs will increase.

In this plan you can save some money by getting your prescriptions filled at a Walmart
Pharmacy instead of CVS – but the estimated annual savings are only about $65. Whichever
pharmacy you use, though, you should not need new prescriptions, but make sure the
pharmacy knows you are enrolled in a different plan as of April 1.

In addition, on your initial visits to your new doctors after April 1, show the office staff your
Medicare card and the enrollment card for your Medigap policy. That will help to avoid any
billing confusion. Also, you are entitled to a free “Welcome to Medicare” physical during the
first year you have Part B, but you may need to request it from your primary care doctor.

Sincerely,

David Armes, CFP®

Attachment: Part B and Part D IRMAA amounts
Appendices

WDA:12115

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