Is Supplemental Health Insurance Worth It? 
Supplemental/Medigap insurance plans offer affordable and comprehensive options in providing coverage to what Medicare does n't cover . When you have Supplemental/Medigap insurance coverage , Medicare is your primary insurer and the Supplemental/Medigap plan is your secondary insurer . There are several plans to choose from , with the Plan F being the most comprehensive in coverage . As long as Medicare pays their portion , the Plan F pays 100 % of what Medicare does n't cover . The other plans vary in coverage , but less than 100 % . 