It's true, Medicare supplements aren't as glitzy as you might like, but sometimes boringly predictable is a good thing. That's what makes Medicare supplements a good bet if you're looking for extra health care coverage and don't think you want to make the leap to private health care insurance carriers.

The various plans offered in Medicare are truly standardized, meaning they all offer the same thing and there isn't any guesswork about it. They all have the same networks and are literally identical from one health care insurance company to another. Well--almost.

The only one area in which these plans are not equal is in the pricing. Each insurance company can sell these plans at any price they set. Now that either means they're charging what the market will bear, or someone thought they'd run a number up the flagpole to see if anyone saluted.

There you have it-- the big differences in these plans is the price. So that means it actually makes good sense to shop around for Medicare supplement plans and do some price comparisons. The pricing issue isn't really a secret. It's just that a lot of people don't bother to call around because they hate talking to insurance agents. Pity, because even calling just three agents could save you money.

If you don't believe insurance companies would actually charge you more for the same thing other companies sell, then read page 15 of the document called Choosing a Medigap Policy which states in black and white "There can be a big difference is premiums that different insurance companies charge for exactly the same coverage." Now in polite company this would be called taking advantage of consumers. In not so polite company this may be regarded as a rip off.

If you want a deal on your health care coverage, be smart and talk to an agent who has a large pool of companies to work with. That way you can be assured of getting a decent price for your premiums.



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