Our philosophy is simple . . .

Always choose the best Medicare supplement plan that fits comfortably in your budget.

Here’s why:

  • When you turn 65, join Medicare, and get supplementary coverage, you are buying health insurance for the rest of your life.
  • You have six months from your 65th birthday in which to apply for a Medicare supplement. You will not need to answer questions about your medical history. NONE during these first six months.
  • If you initially chose a lesser plan, and after 6 months on the plan, wanted to change to a plan with better benefits,  you may be required to answer MEDICAL QUESTIONS to verify good health. You can be declined for a variety of medical conditions.

REMEMBER

  • If your financial situation changes in the future, you can ALWAYS move to a lower-cost plan.
    • Plan F —>Plan G —> Plan N —> Advantage Plan
    • But if you start with a lower cost plan, you may not be able to upgrade to better coverage without your medical history being examined. And, you could be declined if you developed a medical condition that an insurance company might decline.

SUMMARY

  • For people born after 1-1-1955, the best Medicare supplement plan is Plan G. If it fits “comfortably” in your budget, keep this plan.  The most you will pay in a given year is the Part B deductible.
  • For people who were born prior to 1-1-1955, Plan F is the best plan.  If it fits “comfortably” in your budget, you should keep it.  If not, you can save on premiums by switching to a lower-cost Plan G, N, or an Advantage plan.