Approximately11,000 Americans turn 65 every day. This means that approximately four million people each year become eligible for Medicare health coverage.

You don’t have to remind seniors of this important step. By the time they reach their 65th birthday, they have already been inundated with a slew of promotions to buy Medigap health insurance, which supplements what traditional health insurance covers. These countless emails, brochures, and phone calls add complexity and stress to Medigap’s already convoluted application process.

Medigap’s price and benefit transparency can help simplify coverage decisions and protect seniors’ finances during this time of historic inflation threatening their fixed incomes. Unfortunately, the nation’s largest seniors advocacy group, AARP, has a significant financial conflict of interest that may prevent it from pushing for more consumer-friendly plans.

More than 14 million Americans have Medigap plans, also known as Medicare supplemental insurance. Each Medigap plan offers a complex array of benefits at hard-to-determine costs. According to a health policy expertBonnie Burns“These plans claim innovative benefits, but the actual details are often vague, convoluted, or not explicitly mentioned in marketing materials. insurance brokers who are paid on commission and who may not have their best interests at heart.

This lack of price and benefit transparency makes it difficult for seniors to identify the best plan for them. Consider the wide variations in Medigap costs for the same plans. Accordinga study per the American Association for Medicare Supplemental Insurance, Medigap premiums can vary five times for the same coverage.

A 65-year-old man can pay $109 a month in Dallas versus $509 in Philadelphia. Even within the same cities, the variation in Medigap prices can be significant. As a result, some unlucky seniors are paying thousands of dollars more per year than their neighbors for the same coverage.

If seniors could buy plans on simple websites like they currently buy auto and home insurance, they could avoid overpaying. Seniors are much more technologically savvy these days and want these options available for their health coverage. Strong advocacy is needed to drive Medigap’s plans into the technology revolution. It may surprise you that AARP — one of the strongest advocacy groups in the nation — is also an insurance provider for major health insurers. In fact, AARP receives most of his money major insurers, over $1 billion in 2020, to sell AARP-branded Medigap coverage.

Thus, the organization and the insurers may be more inclined to be concerned with profits rather than the well-being of seniors. State insurance commissioners can help by requiring Medigap plans to provide easily understandable cost and benefit information and disclose financial conflicts of interest such as royalty plans.

You can bet Seniors Across America will help advocate for these changes and will always watch over the seniors of our great nation. We’ll know we’re making progress when our inboxes are no longer spammed by insurers and their brokers looking to profit from complexity.

John Grant, a former Florida state legislator, is president and executive director of Seniors Across America, a Tampa-based seniors advocacy group.