Do I Need A Medicare Supplemental Insurance? 
Only you know the answer to that . Some people have a lot of money and can absorb the risk themselves . If you are in that situation you can consider a high deductible Plan F which allows you to self-insure for the first $ 2,100 but have insurance protection for the balance of your medical bills . Most seniors choose to have first dollar coverage with a plan F or close to it with a Plan G or Plan N supplement . Another choice is the Medicare Advantage program where you pay little or no premium and carry your insurance through an insurance company of your choice rather than through traditional Medicare . Everyone should sit down with their local insurance broker and look at the numbers with the various choices . Once you understand the numbers , it 's simply a math problem and how much risk you want to accept . Then after all that research and calculating ... most of us just go with what our wife is comfortable with . 