Is Medicare Free? 
Medicare is not really free . During your working years , you have money deducted from your paycheck every pay period -LRB- subject to limitations and caps -RRB- . That money goes to Medicare to help pay for benefits youwill receive when you become eligible . Afteryou are eligible , there will still be gaps in coverage that require out of pocket cost . Thus ... perhaps the need for a Medigap plan that can help pay those gaps . An experienced broker can help you choose the best Medigap plan . 