Medicare
How do I choose the best Medicare Supplement insurance company?
Since plans are standardized, the only differences between carriers are price, financial strength, rate increase history, and customer service. Same plan can vary $50–$100/month between carriers in the same zip code. Look for A.M. Best ratings of A- or better. Ask about rate increase history. Many carriers offer 5–12% household discounts.
Key Points
- Plans are standardized — Plan G benefits are identical regardless of carrier
- The only differences: price, financial strength, rate history, customer service
- Same plan can vary $50–$100/month between carriers in the same zip code
- Look for A.M. Best ratings of A- or better
- Ask about rate increase history — some carriers have been much more stable than others
- Household discount: 5–12% if two people in same household both enroll