You got it! It covers the 20% the Medicare does not. But now they are so damn expensive that it is practically impossible to purchase them! Unless you are lucky enough to be in a state that has some sympathy or empathy. Yeah right ... Lol Lori -------Original Message------- From: [EMAIL PROTECTED] Date: 1/24/2007 3:44:18 PM To: [EMAIL PROTECTED] Subject: Re: Fw: [QUAD-L] Seeking your advice on supplemental insurance to Medicare so what is the advantage to having a medigap policy? does that mean that it covers what is not covered by the 80% i am confused? and does supplemental insurance pick up the other 20%? alicia

