At this time of year, many seniors review their current health insurance to see if a Medicare supplement policy would be a good idea. Seniors that have retired and have insurance through their previous employer are finding out about changes to their health insurance. Not all the changes are favorable. Many include higher premiums and higher deductibles. When the premiums and/or deductibles get too high, Medicare supplement policies combined with Part D coverage become attractive. One important factor to consider before leaving group coverage is what you might be gaining or losing in RX benefits. Many seniors with health insurance through previous employers still have very rich RX coverage that does not have a "hole" in the coverage. A person should be very careful before giving this benefit up, especially if the individual is taking a lot of RXs. A Medicare supplement policy also known as Medigap policy can be a very attractive alternative to consider at this time of year.