Who Pays After Medicare? 
You do , unless you have a Medicare Supplement Plan . Medicare Part A & Part B only covers about 80 % of the costs of care . This leaves you with the remaining 20 % with an unlimited exposure . A Medicare Supplement Plan is designed to cover what Part A & B does not cover . For example , if you have Medicare Supplement Plan F , you would have no deductible , coinsurance or co-pays outside of the monthly premium . 