A hot topic lately has been how high medical costs are making it nearly impossible for seniors to get affordable medical care and senior medical insurance. Medicare is often not sufficient enough to cover seniors completely anymore unless they are in near perfect health, for the most part, so supplemental insurance policies have been cropping up. These are officially known as "Medigap Policies". If you are a senior that is coming to realize that your current insurance or Medicare simply isn’t enough anymore then you may want to look into one of these policies.

A Medigap policy is not available through the government as Medicare is. You will find these policies offered by health insurance providers only. Seniors will have an easier time deciding which Medigap policy to choose because there are only 12 of them. This may seem like a lot, but policies A to L (their designations) are exactly the same from insurance company to insurance company. Once you decide on one of these dozen policies all you have to do it comparison shop for the best price at as many insurers as you want. An additional benefit to them is that they are mandated by law on the state and federal levels to protect you, the senior citizen.

The government heard the public and worked toward helping seniors get coverage with little confusion. They even went so far as to designate that the insurers had to clearly identify these supplemental policies as "Medicare Supplement Insurance" so seniors didn’t think they were buying into a full coverage policy. You can now go online to compare each lettered policy beside one another and then take the one you pick and compare the prices between many insurers. You will want to comparison shop the premium costs because Plan A could cost as much as 50% more from one insurer to the next. There is no sense in paying more for the exact same product if you don’t have to.

You will get a certain amount of supplemental benefits that will be present across the board in all 12 Medigap plans. Their additional benefits over and above these will differentiate the 12 from one another.

Thankfully, as with supplemental health insurance for younger people, that which is offered to seniors is usually affordable enough that most seniors can easily pay for it even with a fixed income. You can get this senior medical insurance through a local insurer’s office or you can do it online, but wherever you purchase it you should still make sure to compare prices beforehand. You will likely find that the benefits of having this senior medical insurance far outweigh the minimal cost.