1.   An increasing number of employers are giving workers a chance to buy supplemental policies at group rates.

2.   And some some small businesses are cutting back on major medical coverage and offering supplemental policies to reduce their costs and still offer workers some protection.

3.   A Medicare supplemental policy, often referred to as a Medigap or Medsupp plan, comes from a private insurer that bolsters traditional Medicare.

4.   Cancer policies are supplemental policies that protect against costs related to cancer.

5.   Neither do the supplemental Medicare policies, the so-called Medigap plans, in which enrollment is guaranteed to those who are dropped.

6.   Some policy experts argue that people with Medigap coverage use more Medicare services, because supplemental policies cover patient out-of-pocket costs.

7.   Some employers are also tinkering with their disability coverage, offering supplemental policies to fill gaps in coverage.

8.   Some policy analysts argue that people with Medigap coverage use more Medicare services because supplemental policies cover patient out-of-pocket costs.

9.   The federal pre-emption would affect only Medicare HMOs, and would not apply to Medex and other Medicare supplemental policies.

10.   The key is determining whether you could benefit from such a plan and then picking the right supplemental policy for the ailment or accident that afflicts you.