Why Was Medigap Created? 
The simple answer to why was Medigap created is this . Medicare does n't cover all your medical bills . Medicare Part A -LRB- the hospital portion -RRB- requires an up front , per admission deductible that is your responsibility . Medicare Part B -LRB- doctor and outpatient care -RRB- has an annual deductible that you must pay . You are also responsible for the 20 % Part B coinsurance not paid by Medicare . Without Medigap your out of pocket expenses could run in the thousands of dollars . 