Do I need to buy one of the new Medigap policies?
No. If you are satisfied with your current coverage you can keep it for as long as you continue to pay the premium. You should only replace your Medigap policy if the premiums are too high or the benefits no longer meet your needs. You should not buy a Medigap policy if you are in a Medicare Advantage plan, or planning to enroll in one. If you are covered by Medi-Cal you do not need a Medigap policy and in most cases it is illegal to sell you one.
