Do I Need Insurance In Addition To Medicare? 
I would definitely recommend it . Medicare has no out of pocket limit . If you come down with a serious illness this can be devastating , leaving you tens of thousands in debt in some cases . If there is a good Medicare Advantage plan in your area then you may want to consider that . Especially if a Medicare Supplement is unaffordable . The advantage would be : Medicare Advantage has out of pocket maximums , usually between $ 3500 and $ 6000 . Many Medicare Advantage Plans have no additional premium other than the Medicare Part B premium you already pay . Many also include Prescription Drugs at no additional premium . Yo have networks but if your area has a strong network then that is generally not going to be an issue . You would also have copay 's , usually between $ 10 and $ 20 for a primary care doctor . This makes your health care much easier to predict since under original Medicare you pay 20 % of whatever Medicare approves but you have no idea what that will be until you get your bill . There are also many affordable Medicare Supplements . I usually recommend the supplements if you can afford the premium . Find a good local agent who specializes in Medicare plans , both supplements and Advantage plans . A good agent will help you decide which will be in your best interests with no pressure 