I am shopping for a medicare supplemental plan

[eallen]

33. Pay attention to their rate basis

The link below explains the difference between attained age, issue age, and community rating. You get only one chance to acquire an issue-age plan at the age of 65. It will cost more initially than an attained age plan, but less eventually. There are some issue age plans out there from established companies at a reasonable cost. You just have to look.

This is something that many insurance agents don't well understand. Of course, they're mostly trying to sell Advantage plans. Which isn't to the advantage of their customers. The Medicare waters are tricky, and we have to navigate them ourselves. When you call the companies involved and get routed to an agent, be firm about what you want.



https://www.gohealth.com/medicare/medicare-supplement/attained-age-vs-issue-age-rates-with-medicare-supplement/