Medicare Supplements Made Easy

When my mother needed help making a choice of medicare supplements a few years ago, I must admit to having mixed feelings. I wanted to be helpful, but felt over my head! My mom turned to my older sister and I heaved a sigh of relief. It was too confusing for me! Have you felt this way, too?

I have since learned that all medicare supplements are, by federal law, exactly the same from company to company. The only difference is in the rates! State Mutual Insurance Company offers one of the lowest-priced medicare supplements around. They keep their rates low by making them very easy to access on their user-friendly (and anonymous) website (www.statemutualinsurance.com). State Mutual does not market through agents, as most companies do. They won't even send a brochure to you! If you are looking for a way to cut down on expenses, this might just be a way to do that! And, you don't need to worry about their track record, rated B+ by AM Best and they've been in business since 1936!

I wish I had known this when my mom was looking to make her choice. Her health is not as good now as it was then. You have probably heard this before, "Don't wait until you need insurance to buy it, by then you're too late!" Of course, you have a 6-month window when you first turn 65: you are "guaranteed issue," but after that you must qualify medically. So, check it out now, before you need it!