Page 4 - Cover letter and appendices for Michael D Johnson
P. 4

Mr. Johnson, after you know when your Medigap + stand-alone drug plan coverage will start
               (November 1 or December 1), please let me know. If it won’t start until December 1, I will look
               for the lowest-cost drug plan for the month of December and check again to see if there’s a way
               to avoid switching drug plans for the 2020 plan year. Also, please let me know if you have
               questions or would like additional information.


                                                   Sincerely,


                                                   David Armes, CFP®

               Appendices
               WDA:12115

























































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