Who Has The Best Medicare Supplement Plan? 
It 's generally who is offering it to you at the lowest cost . The benefits of a given Medicare supplement -LRB- Medigap -RRB- plan are EXACTLY the same from every company . This means that if you 're looking at a plan F from United Healthcare and a plan F from CareFirst , the coverage under the plan is identical . The main ways carriers differentiate themselves is through their premiums , their rating method for the premiums , and any value added services . Carriers can use 1 of 3 rating methods : 1 -RRB- Attained-age rated - this is the most common rating method used . It means your rates increase as you get older each year . 2 -RRB- Community rated - this is used by United Healthcare -LRB- I do n't know of any other carriers that use this method -RRB- . This means your rates do not increase based on your age . Everyone in a given area pays the same rates - e.g. a 85 year old and a 75 year old pay exactly the same thing . 3 -RRB- Issue-age rated - this is used only by a couple of companies . This means your rates are based on your age at the time the policy was first issued . While this seems great , it 's often featured as the most expensive Medigap plans . Value added services are things like dental and vision discounts -LRB- not dental and vision insurance , just discounts for services -RRB- . I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any further questions . Thanks very much . 