Before you sign up for any Medicare supplement plans, you need to as yourself if you gathered enough quotes to make an informed decision. If you are planning to sign up from 2018 plans you need to ask yourself whether you got 2018 Medigap quotes and did you get enough of them?
Those are important questions to ask, as these plans can be costly. Why would you want to pay more than you have to for them? The supplemental Medicare plans are supposed be a way to save you money. If your plan isn’t doing that, then you need to get a different one or find a provider selling the plan you need at a lower rate.
It’s best to do that during open enrollment, however. During this key time, you are not charged for any preexisting medical conditions. You also get to have the plan of your choice from the provider of your choice. There are no exceptions. If you change your mind about your plan later, then you are out of luck as far as great offers go. You will have to pay for your medical conditions and you may be denied a plan.
Now before you ever commit to any plan from any provider, you need to ensure that you have done your research. That may sound like something more fitting for a college student, but these supplemental plans are costly, and you want to make sure that you are paying no more than you absolutely have to. So you will want to source a bunch of 2018 Medigap quotes before making a plan commitment.
This is just to help you be sure you are paying as little as possible for the plan of your choosing. There are tons of options out there, regarding both plans and providers. You can find the plan you want from dozens of different providers. And many of them are selling at prices that are below market average. You just have to find out who those providers are. And that comes from sourcing quotes.
You can ask the companies directly, though they aren’t likely to give you quotes for several years from now. But you can get current quotes anyway and get a good idea as to how much you can expect to pay for the plan from that provider in the future, particularly in comparison to other insurance providers.
Your other choice is to source quotes from a quote generator. These are found on sites that do a lot of the work for you. They gather up a bunch of quotes based on your search queries. Then they present you with a list of providers who are selling the plan you want. They tell you how much they are charging for those plans right now.
Once you have gathered a number of quotes, then it is simple to deduce who has the cheapest price. Only after you have gathered a bunch can you make a reasonable deduction about which provider is offering the plan for the cheapest. Those rates are going to change though. As you look for 2018 Medigap quotes, know that the prices are going to go up each year.