Find a good ins. broker. They do all the work, check out all the companies, compare all the coverages and report back to you so you can decide which one you want.
We found the broker valuable when deluged by offers about medicare. He was able to fully explain everything, tell us the difference in all the plans so we could choose which one suited us best. We had more than 50 ins companies send garbage out about medicare. They are still coming!!