Do I Need Medicare If I Have Private Insurance? 
It is really a matter of what coverage you have through your private insurance . Comparing your current coverage and out of pocket exposure to what is available with medicare and a supplemental plan would be the best way to determine which route it best for you . I find that if you are covered on a spouse 's plan and your premium is several hundred dollars per month and you have a considerable deductible , opting for medicare and a supplement may be a no brainer . Find a broker who can help you compare your options . 