"Bridging the Gap"

Are Medicare Supplements and Medigap coverage confusing to you as you enter retirement? If you are like most Americans, the answer is yes. The questions that need to be answered are -- Do I need this type of coverage and if so, which best suits my particular needs? The initial part of this question is easily answered by saying that unless you are independently wealthy and can afford to pay the deductibles, coinsurance, and copayments not covered by Medicare, you probably need this type of coverage. The second part of this question is much more difficult due to the number of different choices you have relative to types of programs, coverage options, and cost.