When you become eligible for Medicare, there is a lot to consider. The standard Medicare policy that you get from the government requires some significant co-pays and deductibles. To close this gap, many people get supplemental Medicare insurance plans. 

There are so many plans that it can be hard to know which one to choose. Here are some reasons why you should choose the most comprehensive high-premium, low-deductible plan possible. 

1. Predictable costs.

Medicare health insurance plans, like all other health insurance plans, come with a variety of costs. You pay a monthly premium, and you may also pay a co-pay when you use your services. Then, you may have a deductible. 

The deductible can vary depending on your plan. It may be a certain percentage of all your costs. Or, it may be all of your medical costs until you reach a certain dollar amount, and then, it may be a percentage. 

If you opt for a plan with a low or no deductible, you should expect to pay a higher premium. This means higher upfront costs, but at least, you know what you're going to pay. With a high deductible plan, you save money when you don't use it, but if you need medical care, your costs may end up being higher than desired. 

2. Most generous open enrollment period. 

Every year with Medicare, you get an open enrollment period. During this time, you can change plans without any penalties or extra costs. However, there's a caveat to keep in mind. 

Your first open enrollment period (the time when you first become eligible for Medicare) is the only one that doesn't require a health exam. In the future, your premiums will be calculated based on your health. To get the best plan possible, you should select it right away. 

3.  Medical needs escalate with age. 

At 65 when you first become eligible for Medicare, you may feel young, healthy, and strong. You may have hardly ever used medical insurance in the past. As a result, you may be tempted to sign up for a bare-bones plan. 

Some people live their whole lives without needing a lot of medical care, but for most people, this reality changes when they're in their late 60's, 70's, 80's, and beyond. A lot of health problems can pop up during these decades.  

If you don't want health concerns to come with concerning bills, you should choose a health insurance plan that provides as much coverage as possible. Even if that requires you to pay a slightly higher premium, it can save you money in the long run.