Do I Need A Medigap Policy? 
Medicare was not designed to cover all of your medical costs . There are some deductibles and coinsurance costs . Generally , for most things , after the deductible is met , your cost will be about 20 % . If you are comfortable with that exposure , which has the potential to run into 10 's of thousands of dollars , then you do n't need a Medigap policy . However , Medigap policies are very affordable and can reduce your exposure to near zero . Therefore , it makes sense for most people to choose a good Medigap policy . 