Is Medicare Supplemental Insurance Necessary? 
Medicare Part A & B covers less than 80 % of your healthcare expenses . The remaining 20 % + does not have a limit . You can imagine how quickly that bill can add up with surgery or a ongoing illness that you need care for . Medicare Part A & B along with a Medicare Supplemental plan is great health insurance . Depending on which plan you pick you will have little to no out of pocket costs . The flexibility is also another key . There is no network so you can see any doctor or hospital in any state you like . If they take Medicare they will take the Medicare Supplement regardless of the carrier . The policy will also help protect you against further cuts to Medicare . The benefits to a Medicare Supplement policy can not change . 