Page 5 - Cover Letter and Evaluation for Gary Janke

drug premiums). In both these plans, Walgreens is a preferred pharmacy and you will likely get
the lowest prices there.

Ventolin is not on the drug formulary of either of these Advantage plans. You indicated that you
use it rarely, so this may not be a concern. You can buy it through the plans at the prices shown
in the appendices, but you will probably save money by purchasing it at a discount pharmacy.
When a drug is not on a plan’s formulary, you can request a formulary exception, but your
doctor will likely need to justify your need for Ventolin vs. a substitute drug.

Gary, 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 January 1, show the office staff your enrollment cards for Medicare A&B
and the supplemental coverage you’ve selected. And 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 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®

Appendices and attachments
WDA:12115

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