If you are turning 65, and looking for a Medicare supplemental health insurance options, one that will fit your budget, there are many to choose from and this can be confusing.  Medicare consists of four parts, A-D which covers separate areas of Medicare. There are currently 12 standard Medicare supplement plan designs, labeled A-J, with plan A being the standard that seniors are automatically enrolled, while B through J offer additional benefits.  If you are seeking Medicare supplemental health insurance for yourself and your spouse, keep in mind you have to apply separately.

The difference between Medicare Part A and B is that A covers hospital insurance, aiding with associated costs regarding inpatient hospital care, some home health and hospice care; Part B covers medical insurance for doctor visits, outpatient hospital care, other medical services not covered by Part A. There are Medicare Advantage Plans which also which includes Medicare Health Maintenance Organizations (HMO), as well as Medicare Preferred Provider Organization Plans (PPO).  Medicare supplemental health insurance helps to fill in the gaps not covered by Medicare, such as co-payments and deductibles. 

Quote Medigap can help you find the right supplemental health insurance for your needs.