Well Blume I think you figured out the supplemental ins. is state by state as to who offers it and what each has to offer. Costs will also vary state to state. I seen a add at my medial dr.s office on a company they recommended. I had the rep. come to my house and explain everything and gave my booklets on coverage and costs. I also had the state send me all companies in ID that sell/provide it. They printed out a detailed booklet, I compared each one. I went with the one that came to my home. They pay for every pill I take. 7 total each day, my cost without coverage would be hundreds a month. That alone is worth paying for along with having dental and vision.