Medicare

So...

If I have seen them, I know everyone else has too, so I will ask the question!

If Medicare is the end all, perfect, don't mess with it, insurance, why then are there so many companies offering those "supplementals?"

Obviously there are only three conclusions.

1) There are quite a number of companies that are scamming those on Medicare, offering them "gap" coverage, in an effort to get rich.

2) Medicare is not all that it purports to be. Necessitating people on Medicare to seek help outside of the government.

3) ...

There is always a different answer. I wonder what the thoughts and answers are...

So?