Medigap insurance bridges the gaps in coverage that exist in the traditional Medicare coverage. It supplements the coverage by paying some of the non-covered charges such as deductibles, coinsurance, and copayments. Many Medigap insurance plans are offered by private insurance companies. Medicare Part A covers services such as hospice, home health services, skilled nursing facilities, and hospital care. Medicare Part B covers ambulance, durable medical equipment, second opinions before surgery, limited prescription drugs, and clinical research. Part C is a combination of both and may include part D coverage which is for prescription drugs. Part C is also known as Medicare Advantage Plans. Medigap or donut hole coverage covers non-covered copayments and such that these plans or combinations of plans do not. The core benefits are extended stay, copayments, and preventative care. These plans can be beneficial to people who may have a fixed or limited income who may have hardships paying copayments, deductibles, and coinsurance amounts. The cost of these plans vary depending on the amount of coverage they offer. Of course, the higher the level of coverage the higher the monthly premium will be. The cost of these plans can be high considering that they offer limited coverage. It seems that it would only be worth paying the price for the additional coverage if you have higher medical expenses due to certain medical conditions. For example, for a reasonably healthy person who only