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Medicare is a federal system of health insurance available for people age 65 and older, under age 65 with certain disabilities, and people with End Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or transplant). Medicare is designed to pay for most of your medical expenses; however, there are large gaps in coverage that could be detrimental if you need medical treatment. This is why most people on Medicare get a Medicare Supplement Plan to help cover the cost gaps that Medicare does not pay.

Medicare Supplement Plans—also known as Medigap policies—work with original Medicare coverage to help pay some of your out-of-pocket costs like copayments, coinsurance, and the yearly Part A and Part B deductibles. Some Medigap policies also cover certain benefits Original Medicare doesn't cover.

Anyone who is eligible for Medicare and is enrolled in Part A and Part B may consider supplement insurance. Even if you are in good health and believe that standard Medicare will provide the coverage you need, it may be a good idea to purchase supplemental insurance; if your health status changes, your ability to enroll for supplemental insurance could be compromised.