Is Medigap Insurance Worth The Cost? 
To determine if a Medi-Gap policy is worth the cost to you , you might want to look back at the last couple years and add up you total co-pays and deductibles that you paid . Medi-gap policies are designed to cover those costs for you , so if you paid more in deductibles and co pays last year than the premiums will be for the Medi-gap , it 's probably worth it ! 