Pharmaceuticals are seen in North Andover, Mass., on June 15, 2018. Medicare Supplement Insurance, or Medigap, can fill some potentially pricey “gaps” in Medicare Part A and Part B. For example, before Part A will pay for your hospital stay, you need to pay a deductible of over $1,600 in 2024. With Part B, you’re responsible for 20% of the cost of most outpatient services. (AP Photo/Elise Amendola, file)