Which Medicare Supplement Plan Is Best For Me? 
There are several factors to consider before making a decision for your senior Medicare needs : Foremost , will you be better off purchasing an insurance supplement , or is a Medicare Advantage plan better for you ? Those two solutions to solving your needs are different animals entirely , so make sure you educate yourself on the different advantages of each and look for only plans in your area . Some plans are county specific . Some supplements are area specific . This is one journey you do not want to take alone . So to help you make an informed decision with your agent , you of your power or attorney need to keep in mind the following items 1 . Are you eligible to change what you have ? 2 . What medications you take . 3 . How often do you go to the doctor ? 4 . How much risk are you willing to accept in return for lower premiums ? All insurance plans transfer some risk from the client to the insurance company . The less risk -LRB- deductibles and copay -RRB- on the client , the more premiums will be . Supplements that have the same letter name -LRB- PLan N , for example -RRB- theoretically cover the same items , so you should be shown what they do and do not cover , and be able to compare costs with other companies . 5 . Are you on assistance ? 6 . Are you under or over 65 ? When did you get part B ? 7 . What state and county do you live in ? 8 . Do you have extensive chronic illnesses ? 9 . Did you recently move , get married , get divorced , move in with family members ? 10 . What is the carriers financial rating and how long have they been in the Medicare Supplement or Medicare Advantage business ? These and other questions are ones I ask before making any recommendations to my clients . If you go to an independent broker who has many Medicare clients , he should have several choices to offer , as there are many companies that compete in this arena . It is n't an easy answer , hopefully the above questions will help you gather a checklist for your agent . If he or she does not ask many of these questions , or only has one solution , you might be better off to move on to a different agent 