Who Needs Medigap? 
If you have Original Medicare Part A and Part B , you are responsible for twenty percent of your medical costs , the Part A deductible -LRB- $ 1,216 in 2014 -RRB- and the Part B deductible -LRB- $ 147 in 2014 -RRB- . A Medigap Plan helps cover the deductibles , co-insurance and co-pays associated with Original Medicare . Often , people will wait until a significant health issue arises and then start looking into Medigap insurance . Unless you are still in your initial enrollment period or another guaranteed issue situation , you will have to pass medical underwriting requirements with the insurance company . The insurance companies are not obligated to sell you a policy because Medicare Supplement insurance does not fall under the Affordable Care Act . An independent agent specializing in Medicare Supplement Specialist can help determine if you can apply for a Medigap Plan based on health conditions . This is just one benefit of working with an independent agent . We are not employees of the insurance companies . We work for you and contract with many insurance companies to help meet the needs of every unique situation . Thank you for reading my reply . Please let me know if I can be of further assistance . 