to my knowledge, most states only permit residents to buy medical supplements that pay expenses not covered by primary health plan, as opposed to two major medical plans. reasons have something to do with problem designating which is responsible for paying what expenses.

supplements or extra PIP (personal injury protection) coverage on your auto policy are excellent for paying expenses such as high deductibles or the like if you're injured in a car accident, or you need a resource for a high deductible of four figures. PIP covers your medical regardless of whose fault accident is, and deductible insurance reimburses you within a month of writing a four figure deductible if you have a policy.