Do You Really Need Medigap Insurance? 
That is a terrific question ! Unless you have a ton of money , unfortunately the answer is probably yes . The name says it all . There is a gap between what Medicare will cover , and what most people will need , when it comes to medical practices , procedures , and prescriptions . That gap in coverage then falls entirely upon you . For most people , the expense of the coverage is more than they can afford . To fill that gap , many health insurers created policies that help pay for those procedures , practices , and prescriptions . I 'd recommend that you speak with your adviser about your current health insurance coverage , your social security and medicare options , and the likelihood of needing a medigap plan , so that you can plan accordingly . Thank you for asking ! 