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SO CONFUSED! Which medigap Insurance Company is better, AARP Healthcare or Globe Life and Accident Insurance?

I am having a REALLY DIFFICULT time choosing between these two companies which serve California. I have all the information about Medigap plans etc. etc. But I just can't decide between these two companies. Globe is $70.00 less than AARP for a Plan F. Can I afford the extra $70 a month? Probably, but I really would rather not pay that much more if the companies are basically equally good. AM Best Rates Globe as A+ and AARP as A financially, and AM Best does have another rating ( I think it's called ICR, but not sure) of aa- vs. a for AARP on the AM Best Website. But in the OUTLOOK section Globe is rated negative and AARP Stable. I have no idea how or if it should impact my decision, or if this would make any difference to me. I like AARP because they are so well known and they do say my rates will decrease substantially when I reach age 65. Globe is issue age rated and AARP is community rated. So Both good. What I was thinking was to go with Globe Insurance for the first three years (I will be 62 in October) and at sixty five switch to AARP (as long as I don't ever get end stage renal disease). AT that point AARP may be well below Globe. Well anyway I really need help in deciding between these two companies. They are soooooo close, but one is much cheaper than the other. I should add, that Globe could not or would not give me an example of the yearly increases or lack there of, for the past two years based on inflation etc, but AARP was able to tell me that their increases for the past two years were about 3.5%. Help. What should I do? My effective date is Sept 1 2009, so I need to make a decision in a hurry. Like today. Has anyone had any experience with Globe Life and Accident Insurance whatsoever? Positive or negative? Anyone ever heard of them? Your answers would be so much appreciated. I'm desperate to make the right decision. Please Please help me. Thanks from the bottom of my heart.

Public Comments

1. I would like to suggest to try to get as much information as you could before making up your mind,here http://www.HealthInsuranceFree.info is a very resourceful one.