STEP 1. DETERMINE WHICH PLAN SUITS YOU BEST
• Compare the benefits of each plan to find the option that suits your needs.
• Keep in mind most people need more medical services as they age.
• Be sure to limit the possibility of catastrophic out-of-pocket expenses.

STEP 2. COMPARE PRICES
• Medicare Supplement Plans are standardized, meaning every insurance company offers the same plans with the same benefits. Therefore, it is wise to compare prices from many different insurance companies as some may offer your desired plan for a much more affordable price than others.
• When considering your budget, make sure to include any out-of-pocket costs you may have to pay for medical services provided.
• Take a close look at how insurance companies price their plans. Have they had significant price increases in the past? How often will you receive a price increase? The most affordable option when turning 65 isn’t always the most affordable long-term option.

STEP 3. CONVENIENCE
• There are other factors that may affect your purchasing decision, such as the ability for the insurance companies to process claims efficiently, the amount of customer service issues they have with current policy holders, and the overall financial health of the company.
• Check with your doctor’s office to see which companies they prefer to work with. This will significantly decrease your chances of getting double-billed or having to file claims manually.
• Review financial ratings from A.M. Best and Standard & Poor’s to determine the overall financial health of any insurance company you are considering.
• Check with your friends, family, or an insurance broker to see if the insurance company has a history of customer complaints or service issues.

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