Step 1: Decide What Is Most Important to You
Six Things to Consider Before Buying
Before you choose an insurance policy, review these six key considerations and decide which ones are most important to you. You'll be better prepared to choose an insurance policy that will serve you well today — and for years to come.
Insurance companies can set prices in different ways for Medicare Supplement insurance. The way prices are set determines how much you pay now and in the future. To help ensure you can afford your coverage, consider a plan with rates that do not increase due to age. Physicians Mutual Insurance Company is one of the few companies that allows you to choose your premium structure.
A high financial rating indicates a company will be able to live up to its future financial obligations to its customers. We consistently receive some of the highest financial strength ratings in the nation. In fact, one industry analyst, Weiss Ratings, gives us an "A+ Excellent" — the highest rating possible. This places us on their Recommended List of companies, an elite group of six life and health insurance companies representing the top 1% of the insurance industry.
Customer Satisfaction Ratings
Excellent customer service is about delivering on promises, and at Physicians Mutual Insurance Company, we do that each and every day. According to our Physicians Mutual Customer Satisfaction Survey conducted in 2014, 97% of our customers are satisfied with us.
Rates for Medicare Supplement insurance can vary between companies. If you see an insurance policy that has very low first year premium rates compared to others, consider this: A low rate today does not necessarily mean a low rate tomorrow. At Physicians Mutual Insurance Company, we're proud to share our history of rate adjustments on our Medicare Supplement policies. Our customers can depend on our long-term vision to help provide affordable premiums, not just today, but well into the future.
Personal Service From an Agent
The choices you make when you first go onto Medicare are very important, and that's something Physicians Mutual agents do not take lightly. The goals of our agents are to educate you on the details of Medicare, and to find out what is important to you so they can customize a plan to help meet your individual needs.
As pioneers in Medicare Supplement insurance, Physicians Mutual is always looking for ways to help you save money. We offer a combination of choices and options you simply won't find anywhere else, such as our exclusive Innovative Discount Rider. If you're age 66 — 68, and you qualify as a first-time buyer, our Age Forgiveness Rating lets you turn back the clock and start at the same rate as a 65-year old. You may even qualify for discounts that could save you money.