Original Medicare covers an extremely broad range of medical services, and for people who are healthy or have moderate medical conditions, the costs to an individual are relatively low. However, if someone gets very sick, the out-of-pocket costs can be devastating for all but the wealthiest individuals. For this reason, we always recommend that Medicare recipients choose either a Medigap or Medicare Advantage health insurance policy.

Until recently, coverage beyond Original Medicare was too expensive for many people. Fortunately, with the expansion of Medicare Advantage plans, many people who could not afford Medigap insurance are now able to afford excellent coverage. For free help navigating Medicare and choosing an insurance policy that meets your needs, click here.