Why Is Medigap Needed? 
Original Medicare -LRB- Part A and Part B -RRB- began in 1965 and was never designed to cover all of your costs when you go into the hospital or when you see your doctor . Medicare Supplements sometimes called Medigap plans , pay health care costs or fill in the gaps that Original Medicare does not cover like deductibles , co-insurance and co-payments for Medicare approved services . When faced with serious or chronic health problems you could end up with medical bills totaling thousands of dollars if you dont have a Medicare Supplement . 