Do I Need A Medigap Plan? 
A Medigap plan would be needed if it is affordable to you and if it is appropriate for your medical insurance needs . Not everyone needs or even wants one . You are not required to have one . Are your medical out of pocket expenses prohibitive ? A Medigap plan would fill in some of the gaps of your Medicare plan 's deductibles , co-payments and benefit periods . If you decide you need a Medigap plan you will not have to shop around for the differences in the plans . All Medigap plans are the standardized . By that I mean , if you compare Plan K with insurance company `` A '' it will be exactly the same as Plan K with insurance company `` B '' The only difference then would be the cost of the plan . If it fits within your budget I believe it is a good idea to have a Medigap policy . 