Who Needs Medigap Insurance? 
Unless you are one of the fortunate few that has enough money to pay all the medical bills you may ever incur , or you are someone that refuses to use traditional medicine under any circumstance , it is highly recommended that everyone on Medicare purchase a Medigap plan . If you do not have the money within your budget to do so , then I suggest looking at a Medicare Advantage plan , Advantage plans can often be found at no cost . The must provide at least as much coverage as Original Medicare , and most all Advantage plans offer additional coverage not offered by Medicare . It 's not the same level of coverage as Medigap provides , but for those that can not afford Medigap , an Advantage plan can be a great alternative . 