It might be a good idea to get your grandparents an AARP health insurance plan as their secondary plan to pay for their Medicare co-pays. AARP is a commonly used supplemental insurance. For the most part, it doesn't seem to leave any financial responsibility to its patients save for the occasional Medicare Part B deductible. Some AARP plans don't cover Part B of Medicare. If you're worried about whether the AARP health insurance plan can be used in other states or not will depend on the type of plan you'll be getting for your grandparents. The most common supplemental parts from Medicare include Parts A, B, and D. These supplementary plans are generally used in all 50 states as they are federally subsidized programs. It's best if you can check with an AARP agent for the particulars of each plan. Take note, however, that supplemental health insurance plans, like AARP health insurance, follows Medicare's claim guidelines. So if your grandmother requests for colonoscopy, and Medicare denies the procedure, AARP might do the same. In the end, your grandparents will have to shoulder the entire bill for the service. -- June 11, 2009 @5:06 pm