Of all the Medicare Supplements being offered by several health insurance companies, Plan J is the most comprehensive health insurance policy. If you're going to choose Plan J as your Medicare Supplemental Plan, keep in mind that not all insurers offer it. This is because not all people find the additional benefits of Plan J useful and are not willing to pay the etra premium. Individuals looking for supplemental health insurance plans usually get Plan F. Medicare Supplements are mandated by the government to have the same coverage from company, but it's inevitable that the same types of supplemental health plans have differing premiums. The premiums of insurance policies are usually affected by the strength of an insurance company in a certain locale, your age, smoking habits, and health conditions. A company can reject your application for health insurance depending on your health, or the company might accept you but your policy's premium might be higher. The insurance company can also opt to have a pre-eisting condition eclusion with your policy. You should also keep in mind that all the Medicare Supplements do not include Part D drug coverage. You will need to sign up for a stand-alone drug plan to get prescription drug coverage. If you can, you should also consult with an insurance agent in your area so you might know all your other health plan options. - July 3, 2009 @ 1:08 pm