Supplement Comparisons

There are many reasons why the cost varies between companies. It may be based on how old you were when you bought the plan,your current age and whether you smoke. The number of people in the plan can change it (Household discount) and additional product discounts too (life, final expense, annuities, LTC, etc.. Also, the following questions carry direct reflection to consider which Company selection is ideal for you?

• What is the Rating of the Company? This is very important because this will let you know about the stability of the company (How much the Company has in reserve), quality of service,amount of time it takes for them to pay claims? And much more...


• What type of Supplement is it? - A Policy, Certificate, or Block business? Based on these various types the premiums may vary. However, here at the MarshAssurance Group we will completely educate to you the difference with the various types and carrier's to those types.


• Have the premium for your plan changed in the last 3 years?
• If so, by how much?
• How often does it change or go up? How many increases per year?


• What are the additional benefits provided by the carrier? If you apply on your own online or call the company itself they may not willing disclose to you what additions they have to offer their clients? For example, a new client of ours told us the other day that she had been on a prior plan for 5 years and not once was she ever told she was eligible for one of that carriers added benefits. Therefore, she was never able to utilize that benefit and it went all for not. It took her coming to us where we share all the info upfront because our goal is always to provide clarity and cater to you the customer!


• Is the company set up with automatic claim pay? If so, this gives the insured the opportunity to walk out freely of the healthcare facility while the facility and the Supplement carrier take care of all claims without you needing to file.


• What if the premium for the plan with the same product coverage is cheaper with one plan than another should I always measure best value by premium cost? This is a question that everyone would like to know the answer to so what I will do is provide you with T - chart of two companies and what do you think?

Here are a few of many topics that need to be considered to determining the ideal company for your Supplement:

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Check If YES	Company A Benefits	Compare	Company B Benefits	Check If YES
		Premium
		Rating
		Additional Benefits
		Type of Supplements
		# of Increases Per Year
		Average % Per Year
		Stability by Numbers

These questions will help us clarify differences between companies and focus on what carrier is the best option for you. Please contact us so we can explain and answer any questions and provide you surety to product, type, and company comparison as well as additional benefits. Never any cost nor obligation for our education and service!