I need secondary health Insurance with Medicare 
Original Medicare -LRB- Part A & Part B -RRB- generally covers approximately 80 % of your health care expenses . A Medicare supplement -LRB- Medigap -RRB- plan can cover gaps in Original Medicare -LRB- up to or all of the remaining 20 % , depending on the plan -RRB- . This is the optimal structure for many individuals . Plan A and Plan C are usually available Medigap plans for people under 65 on Medicare , but the premiums can be much more expensive than when you 're 65 or older . An alternative option would be a Medicare Advantage plan . I would recommend consulting with an insurance agent/broker to compare Medigap and MA plans that are available -LRB- and see if you have a special enrollment period available for Medicare Advantage plans - if you do n't have a special enrollment period , you would have to wait until the Annual Enrollment Period -LRB- October 15-December 7 of each year -RRB- to enroll in one -RRB- . For individuals on Medicare who are 65 or older , they would likely only have a group plan through an employer -LRB- if they 're still working -RRB- to provide secondary coverage -LRB- although the group plan may pay first and Medicare pay second -RRB- . Under this scenario , you would likely only have secured Part A and not Part B of Medicare as Part B requires monthly premiums - Part A is generally premium-free for most individuals . The premiums for a traditional under 65 health plan for someone 65 or older would be substantially more expensive than setting yourself up under Part A , Part B , and securing a Medigap plan or enrolling in a Medicare Advantage plan . 