Page 3 - Cover Letter and Evaluation for Anne Parlin
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Plan. And if you use mail-order refills, the plan with the lowest estimated costs in 2018 for your
               drugs is the Express Scripts Medicare Saver Plan, which will be $229 less expensive than your
               current plan.

               You can switch to one of these lower-cost plans anytime between October 15 and December 7,
               with your new coverage to be effective on January 1, 2018. In most cases your existing plan (the
               Humana-Walmart Rx Plan) will transfer your current prescriptions to your new plan – although
               if you change refill schedules you will need new prescriptions. Also, you do not need to disenroll
               from your current plan – when you enroll in a different plan, Medicare will disenroll you from
               your current plan, effective January 1.

               Anne, after you’ve had a chance to review this, please let me know if you have questions.

                                                   Sincerely,


                                                   David Armes, CFP®
               Attachments and enclosures
               WDA:12115















































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