Why Do I Need Medigap Insurance? 
Why do I need Medigap Insurance ? Well , you do n't , but then you bear the risk of unlimited out of pocket costs for the things that are n't covered by part A or B . As with any insurance , the need is based upon the risk of loss . If you can absorb the potential unlimited loss , then no , you would n't `` need '' a Medigap plan . 