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.


  • 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 medical condition that that an insurance company might decline.


  • 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.


A Medicare supplement plan is the best plan on the market.  It is also very affordable. For someone turning 65, the premium for a plan G is around $135/month, while a comparable PPO plan for someone age 64 would be greater than $2,000/month.