Who Needs A Medigap Policy? 
Anyone who is 65 or older and has Medicare Part A and Part B , also known as Original Medicare . Original Medicare only covers approximately 80 % of your healthcare . A Medigap plan -LRB- a.k.a. Medicare supplement plan -RRB- is designed to help cover the gaps in Original Medicare -LRB- the other 20 % -RRB- . There are 10 plans - A , B , C , D , F , G , K , L , M , and N. Plans F is the most comprehensive plan , but is generally also the most expensive plan - plans G and N provide very similar benefits but at a lower cost and can be much more suitable to certain individuals . If you 're trying to keep your premiums to a much lower level , there 's also what 's called a `` high-deductible '' plan F that provides the same benefits as the regular plan F , but requires a deductible to be paid first -LRB- $ 2,140 in 2014 -RRB- . 