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It absolutely depends on your particular situation. Hubby takes a ton of meds, including Eliquis at $1,000 a month. Last year, he was in the hospital and 2 rehabs and gone for 4 months. He certainly needs maximum coverage. I, on the other hand take one medication and haven’t been in the hospital for 6 years and that was elective surgery. When I go on Medicare this year I will seek out a low cost supplemental. I never use it. It’s like flushing the premium down the potty for me.
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We both have/had Medigap C. My father only took 1 med and I take none except for the occasional infection. It just wasn't worth the cost for us to get a plan for drug coverage.
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Medigap does not have a prescription plan. You would have to purchase it separately. My Mom had state help with her prescription plan so I picked Medigap. Medigap is good if the person covered travels regularly. I think Medigap can be used out of state. Medicare suppliments can't.
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Jovivi, posters on this site may be able to share their experiences but everyone's situation is different. Each state has a SHIP group that guides individuals making these decisions. I believe you would get the best help from them.
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