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Be a diligent consumer and periodically shop around to compare your options. It is important to review your coverage to make sure you aren't paying too much for your plan!
Remember, Medicare Suppplements are standardized by Medicare! There is no reason to pay a high premium when lower rates are available to you.
If you are turning 65 or Enrolling in Medicare Part B for the first time you are in your Medicare Open Enrollment. During this time you can enroll into any Medicare plan with no medical underwritting and you are guaranteed acceptance.
Take this opportunity to educate yourself and make a well informed coverage election.
If you are retiring and losing employer group coverage or moving out of network with your current Medicare Plan you may qualify for a Special Election Period. During this period you can enroll into a Medicare Supplement with guaranteed acceptance.
Use this unique opportunity to find coverage that will suite your needs in the long run.