Editorial Policy
How we produce our content and recommendations — and the standards we hold ourselves to.
Independence
MyMed360 does not receive commissions, sponsorships, or payments from insurance carriers. Our recommendations are generated by a data-driven scoring model — not influenced by carrier relationships or advertising revenue.
We show every carrier and plan available in your state, regardless of whether we have a business relationship with them. No carrier can pay to be ranked higher, featured more prominently, or excluded from our comparisons.
Data sources
Our analysis is built on publicly available data from authoritative sources:
NAIC SERFF: The System for Electronic Rates & Forms Filing is the primary source for our rate filing history and rate stability analysis. We review historical filings to identify patterns in rate increases.
AM Best: AM Best financial strength ratings are the insurance industry standard for assessing a carrier's ability to meet its policyholder obligations. We use these ratings as our financial strength factor.
State Departments of Insurance: We reference state-level rate guides, approved rate tables, and carrier licensing data from individual state insurance departments.
Centers for Medicare & Medicaid Services (CMS): CMS publications provide standardized Medigap plan benefit specifications, annual deductible and coinsurance amounts, and enrollment data.
Methodology transparency
Our scoring model evaluates carriers on four equally transparent factors: premium price, financial strength, rate stability, and market presence. Each factor is weighted and combined into a composite score.
We publish our full methodology, including factor weights and scoring logic, so you can understand exactly how we arrive at our recommendations. See our methodology page for complete details.
How stability scores work
Rate stability is one of the most important — and most overlooked — factors in choosing a Medicare Supplement plan. A low premium today means little if the carrier imposes large rate increases year after year.
We calculate stability scores by analyzing a carrier's historical rate filings from the NAIC SERFF system over the past 3-5 years. We evaluate both the magnitude of rate increases (how large they are) and their consistency (how predictable they are). Carriers with moderate, steady increases score higher than those with volatile or outsized rate hikes — even if the latter currently has a lower premium.
Example: A carrier with 4-5% annual increases over five years scores higher on stability than a carrier with 0% one year followed by 12% the next — even though their average increase might be similar.
Conflicts of interest
If we introduce revenue-generating features in the future — such as agent referral partnerships — we will clearly disclose them on this page and on any affected pages of the Service. Any such partnerships will not influence our scoring model or recommendations.
Our editorial content (educational articles, plan comparisons, carrier profiles) is produced independently of any business relationships. Writers and analysts who produce content do not have financial incentives tied to specific carriers or plans.
Corrections policy
We are committed to accuracy. If we discover an error in our content, data, or recommendations, we will correct it as quickly as possible. Material corrections will be noted on the affected page.
If you believe you have found an error on our site — whether in premium data, carrier information, plan details, or educational content — please contact us. We take every report seriously and will investigate promptly.
Contact us
Questions about our editorial standards, data sources, or methodology? Found an error? Contact our editorial team:
Visit our About page for contact information.