Do I Need More Insurance Than Medicare? 
As a general rule , Medicare only pays about 80 % of approved Part A and Part B claims . The Medicare Part A deductible for 2013 is $ 1184 . If you did not have a Medigap plan you would be responsible for paying this before Medicare pays a dime . The Medicare Part B deductible for 2013 is $ 147 . This is your responsibility unless you had a Medicare supplement plan that pays that deductible . After the deductible is satisfied , Medicare pays 80 % of the claim and you are responsible for the other 20 % . 