If you're already enrolled in Medicare Part A and Part B, then maybe you should get the Medicare supplement plan as your AARP supplemental. These supplementals are designed to fill in the gaps of Medicare. The remaining costs of certain medical services are paid for by these supplemental health insurance plans or Medigap policies. You should make sure that the plan you're getting covers the gap in hospitalization that Medicare doesn't pay. You also have the option to get the Medicare Advantage plans instead of choosing just one AARP supplemental. Medicare Advantage plans are a cross between supplementals and HMOs and usually require no premiums and small co-pays to cover medical services. The Part D prescription drug plan is usually included in the Advantage plans. These plans use the entire Medicare provider network, so if you're under any of the Medicare Advantage plans and you go to a hospital or a doctor included in the Medicare provider network, you'll be accepted for treatment. You can consult with a local insurance agent who can probably eplain to you which AARP supplemental plan would best fit your health needs and your budget. You can also approach your local Area Agency on Aging if you have questions about Medicare and other consumer questions. These people can even recommend which Part D plans and supplemental health insurance plans would be ideal to get. - July 3, 2009 @ 1:24 pm