If you are living with a disability and looking to buy a Medicare Supplement (or Medigap) plan, you’ll need to be very careful about your decisions. After all, your health needs can be more complicated than most, and you want coverage that will protect you today and in the future.

With that said, many people make mistakes when buying a Medigap plan. There are so many small details that it is easy to miss something important. When that happens, you could get stuck with unplanned expenses or a plan that does not fully cover your needs. Below, this Supplemental Medicare agency in Highland, Indiana is going to highlight five of the most common mistakes and how you can avoid them.

Mistake 1: Forgetting how important a stable plan is.

You might get excited seeing a Medigap plan with a low monthly premium. However, if the insurance company has a history of raising its prices, that good deal will not stay good for long.

Frequent price increases can cause problems for your long-term budget, mainly because your health needs could change over time. This is why you should use professional advice when choosing a company. A good Supplemental Medicare agency in Highland, Indiana, like SCIS, can help you find a plan from a company known for fair and predictable pricing.

Mistake 2: Forgetting to check the quality of the insurance company’s customer service.

When you have a question about your coverage or filing a claim, you want an insurance company that picks up the phone and answers your questions clearly.

Of course, not every company does this. Some will leave you on hold or pass you from person to person without giving you a straight answer. Therefore, you need to find a company with a reputation for good customer service. A good Supplemental Medicare agency can help you compare companies and make this decision easier.

Mistake 3: Assuming that all Medigap plans are the same.

Although the basic benefits for each Medigap plan type are standardized, insurance companies have some real differences. The premiums look different, the customer service quality looks different, and pricing stability is not guaranteed in every case.

If you have not done your research, you could have to pay more for less coverage. You could even miss all the valuable extras you did not know you could have. But when you work with an experienced Supplemental Medicare agency, you can see the full picture and find the best plan for your needs.

Mistake 4: Only thinking about the current costs.

Don’t focus solely on the monthly premium when picking your Medigap plan. You might eventually need to see your doctor more frequently or get special medical equipment. If your plan does not cover these costs, you could have to pay a lot more out of your pocket than what you saved on that lower monthly premium.

A 2015 study found that people with disabilities had healthcare costs about 2.6 times higher ($17,400 per year) than those without disabilities ($6,700 per year). This should tell you why you need to think past today’s premium when buying your Medigap plan. A good Supplemental Medicare agency in Highland, Indiana can help you find a plan that secures both your today and your future.

Mistake 5: Not thinking about how your health might change.

Even if you feel healthy today, you must be prepared for the future. You could take a fall, get a new diagnosis, or notice small changes in your health over time.

If you get a plan that only covers your current needs, you could be stuck in a vulnerable position later when your needs change. Therefore, you should always pick a plan that offers flexible coverage, and your local agency can help you with that.

Looking for a Supplemental Medicare Agency in Highland, Indiana?

Are you looking for an experienced Supplemental Medicare agency in Highland, Indiana that can help you find the right plan and avoid mistakes during the process? If so, our agents at Senior Care Insurance Services are here to help. Contact us today to schedule an appointment.