How Much Does Medigap Pay? 
That is a question only you can answer . Consider this . Medicare has two parts . Part A -LRB- hospital -RRB- and Part B -LRB- outpatient -RRB- . Medicare only pays about 80 % of the cost of your care , you pay the other 20 % . Your financial responsibility is unlimited . If you are comfortable with paying large deductibles for hospital admission and 20 % of outpatient charges you may not need a Medigap plan . The per admission Medicare Part A deductible is $ 1184 . The Part B annual deductible is $ 147 followed by 80 % coinsurance . -LRB- Medicare pays 80 % , you pay the balance -RRB- . 