Page 4 - Evaluation for Jerri Zerlaut

Appendix A shows the Medicare web site’s printouts indicating that all four of your doctors
accept assignment.

Rx Drug Plan Coverage

As mentioned earlier, if you buy a Medigap policy you will also need to enroll in a Part D stand-
alone plan. For mail-order refills, the lowest-cost plan for your drugs is the Envision Rx Plus
Prescription Drug Plan. According to the Medicare web site, this plan’s estimated costs for your
drugs in 2018 is $1,162 – that includes premiums, deductible, and co-payments. CVS is a
preferred pharmacy in this plan, so that if you need short-term prescriptions filled you will get
the lowest prices at a CVS pharmacy.

The next lowest-cost plan is the Express Scripts Medicare Value Prescription Drug Plan, but its
annual cost for your drugs is almost $100 more than the Envision Rx Plus plan. Both plans are
compared on page 4 of your evaluation and their costs are shown in Appendices C1 and C2.

You can enroll in a Part D plan by calling the plan’s toll-free number, shown on page 4. In some
cases, it may be possible for your current Rx drug plan to transfer your prescriptions to your
new plan. If not, of course, you’ll need to ask your doctors for new prescriptions.

Jerri, 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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