12. How can I find out if my drugs are covered on the new plan? 13. How can I lower my drug expenses? 14. What services are not covered? 15. If I choose not to enroll this year can I enroll next year? 16. Do I have the option to enroll in just medical or Rx coverage, or do I have to do both? 17. How do I pay for my coverage? 18. Can I enroll in a separate Medicare Part D plan and the AmWins medical Rx plan? 19. How do I obtain a replacement ID card for my plans? 20. What happens to coverage for a spouse if the retiree dies?