Should I Buy Medigap Insurance? 
If you want to have a comprehensive health care coverage , then you should consider buying Medigap insurance . Original Medicare Part A and Part B only cover about 80 % of your Medicare approved health care costs . This leaves you with the responsibility of paying the remaining twenty percent . This can add up if you have an expensive procedure or a long term illness . Many people think if they are healthy that a Medigap Plan is not something they need right now . However , if you wait until a health issue arises , you may not qualify for a Medigap Plan . It 's really best to buy a Medigap Plan as soon as your in the initial Open Enrollment Period -LRB- when no health questions are asked -RRB- . If you are no longer in Open Enrollment or another Guaranteed Issue Situation , it 's best to speak to an insurance agent specializing in Medicare Supplement insurance . We can review your health history and make recommendations on which insurance companies you may qualify with . If I can assist you with your specific situation , please feel free to contact me . 