BUT, after you have selected a standardized plan best for you with premiums you can afford, you will need to talk with representatives of the insurance companies selling the plan you are interested in. When you do, confirm policy prices and compare the services and reputations of the different insurance companies offering the policy of your choice. The plan with the lowest price is not necessarily the best plan for you. The price should not be your only concern. You may have a preference for a particular schedule of payments.
Some companies bill the premium each month, while others bill each quarter or once a year.
In addition, prices are based in part on the services a company provides and on their reputation. These are important factors in your Medigap decision. When you contact Medigap insurers, ask about the insurance company's customer services. For example, some companies link their computers to the computers at the federal Medicare office to process your health insurance claims without additional paperwork for you. This and other available customer services may be important considerations in your Medigap decision.