What Is A Medicare Coverage Gap? 
`` Medicare coverage gap '' refers to the portion of costs that Medicare does not pay for , leaving you responsible to pay this portion . In general , Medicare will pay for 80 % of your healthcare expenses and you would be responsible for the other 20 % . A Medicare supplement plan -LRB- also known as a Medigap plan -RRB- can cover the `` gaps '' in Original Medicare -LRB- Parts A & B -RRB- . There are 10 different plans . Plan F is the most comprehensive -LRB- also the most expensive -RRB- , while plans G and N offer similar benefit structures , but lower premiums . The major advantage of having a Medigap plan is it creates a very predictable expense structure . Consult with an independent agent/broker to review Medigap plans and how they can help you . If you have any questions or would like assistance , feel free to send me a private message or check out my website , TermInsuranceBrokers.com , for plan benefit information -LRB- a link is available on my profile page -RRB- . 