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Mark Miller: Remaking Retirement

How to Evaluate Medigap Plans

Carefully choosing a supplemental insurance plan is key if you're enrolled in traditional Medicare.

When you sign up for Medicare, it's only natural to focus on your premiums as you make coverage decisions. But two other factors actually are more important: your access to care and the risk of high out-of-pocket costs.

And if you enroll in traditional Medicare, getting that out-of-pocket protection probably boils down to just one word: Medigap.