If you already have a Medicare Supplement you may decide to lower your premium with an agent. Your agent will explain your current plan to you and educate you on the benefits it provides. In a nut shell, the Plan F has the highest premiums but no deductible. The Plan G has lower premiums and a $198 annual deductible. The Plan G benefits are exactly the same as the Plan F. Lastly, the Plan N is designed to offer the most affordable premiums but it has the least benefits and is suggested for healthy younger people who don't often visit doctors and specialist's offices. The Plan N also has a $198 annual deductible and allows policy holders the freedom to pay their own Medicare excess charges.

If you are about to turn 65 then you can still get coverage. Don't wait until 65!

Once you turn 85 it's nearly impossible to get a new policy. Between the age 65 and 85 you will want to update your health insurance multiple times to keep your premiums low and strategically choose the right policies you need as you age.