Do I need Medigap (Medicare Supplement)?

No. TFL is your supplement.

Medigap (Medicare Supplement Insurance) is sold by private insurers to fill the gaps in Original Medicare — deductibles, coinsurance, copays. Those are the exact gaps TFL already wraps around.

Buying Medigap on top of TFL means:

• Paying a second monthly premium for redundant coverage.
• Coordination of benefits gets murky with three payers (Medicare, Medigap, TFL).
• No additional benefits in 99% of scenarios.

The decision tree is simple:

• Stay on Original Medicare + TFL — no supplement needed.
• Or switch to a Medicare Advantage plan — TFL becomes secondary to the MA plan; still no supplement needed.

Either path, Medigap is unnecessary for TFL beneficiaries.