Retirees and seniors that reach the necessary age to receive Medicare coverage may have existing mortgages or debts that can prevent the payment of standard health care insurance. The rising cost of insurance after age 65 is difficult for many people to overcome. The Medicare supplement insurance exists to provide a way to increase insurance coverage to protect seniors and retirees from insufficient insurance coverage when they need it the most. Seniors that have existing medical conditions or a history of alcohol or tobacco use may find difficulties in securing standard health insurance protection coverage. The Medicare supplemental insurance coverage is an excellent option for protection and assurance that medical care is available for needed treatments.