Should I Buy A Medigap Policy? 
If you have Medicare Parts A and B , and have elected not to get a Medicare Advantage Plan , it is a good idea to buy Medigap insurance . Although Medicare is very good health insurance , Medicare does not cover 100 % of all health care costs for beneficiaries . You can check whether an item or procedure is covered by Medicare insurance at Medicare.gov . Medicare coverage is subject to deductibles and coinsurance amounts that may possibly be substantial to you . Medigap insurance is designed to pay for deductibles and coinsurance on your behalf in exchange for a predictable monthly premium payment . You have 11 standardized Medigap plans to choose from with various coverage options to meet your budget . I advise finding a licensed insurance agent who is experienced in Medigap plans to assess your needs and objectives and review optimal solutions with you . 