Is Medicare Supplemental Insurance Necessary? 
Medicare Supplemental Insurance though voluntary , in my professional opinion , is needed to pay the many dollars Medicare Part A and B do not cover . Many people do n't realize the Part A deductible of $ 1216 in 2014 is a per hospitalization benefit period deductible and not a per calendar year deductible as is the Part B deductible . The Part B coinsurance on Part B has no stop loss , resulting in an unlimited liability . 