How To Choose Medigap Insurance? 
You first want to research the types of benefits available under a Medigap plan , decide which of these benefits you want , and then select the Medigappolicy that meets these needs . All of the Medigap plans are standardized so the benefits under a given plan is the EXACT same from every carrier . So how do they differentiate themselves in that type of marketplace ? They feature different rates , rating methods - community rated , issue age rated , and attained age rated , and value added services -LRB- e.g. UHC plan members can get discounts for vision or dental services and access to the senior sneakers program through AARP -RRB- . A lot of people think `` Why do n't I just get a plan F ? All of the benefits available are included in that plan ! '' While this is true , this plan is also going to be the most expensive . If you 're on a fixed income , you may want to try to keep your cost down . Therefore , a different plan may be more appropriate for you . For example , a plan G offers all of the same benefits as a plan F , except for the Medicare Part B deductible -LRB- $ 147 for 2014 -RRB- . However , a plan G is going to be cheaper than a plan F -LRB- and usually by a good margin -RRB- . Plan N can also reduce premiums by a substantial margin and offer great coverage as well - the difference from plans F & G being a small copay is due when you go to the doctor -LRB- up to a $ 20 copay -RRB- or the hospital -LRB- up to a $ 50 copay -RRB- and excess charges are not covered . Plan N is most useful for someone who 's doctors accept Medicare and accepts assignment -LRB- when accepting assignment , a doctor accepts the Medicare-approved amount as payment in full and can not bill you an excess charge -RRB- . Another major point to keep in mind is where your health is now and where it may be in the future because you might not be able to switch to another Medigap plan later if your health drastically changed down the line , you may not be able to qualify for a new plan if medical underwriting is required . The rating method a carrier uses is an important factor to consider here . You also need to find out which carriers offer the plan in your area . Remember to keep in mind that not every carrier offers every plan . Because there are many health care plan options available to seniors , it 's most helpful for you to work with an experienced , independent Medigap insurance broker who can guide you through all of these steps and help you determine which plan is the most suitable option for you.I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage , including quotes and plan comparisons , and if you have any other questions . Thanks very much . 