There is medical insurance and then there is MEDICAL INSURANCE. Even with Medicare, there are more Advantage and Suplimental plans than the average senior can understand or comprehend. Seniors are expected to make life altering medical/financial decisions that would befuddle the average recent college graduate. It is little wonder that medical bills and bankruptcy are so closely linked. I read somewhere that over 75% of all medical expenditures come within one year of death. Even dieing is expensive.