By: David Forbes

Pat, You should speak with an agent licensed in your State to learn about your Medigap options. Before you jump ship on AARP MedicareComplete check your Summary of Benefits for your maximum out of pocket amount (MOOP). The maximum allowed by law is $6700. Your plan most likely has a lower limit than that. This is one feature of Medicare Advantage plans that is often overlooked. Even if you encountered extremely large medical charges, your liability is limited to the MOOP. If you do decide to look into a supplement, keep in mind that <a href="http://affordablemedicareplan.com/medicare-supplement-plan-f/" target="_blank" rel="nofollow">Plan F</a> is the most comprehensive. <a href="http://affordablemedicareplan.com/medicare-supplement-plan-n/" target="_blank" rel="nofollow">Plan N </a>is also a good option for someone who is relatively healthy and can handle a little extra cost-sharing. If you do move to a supplemental policy you will also need to enroll in a stand-alone Part D plan. Look at your potential premiums and compare that to the MOOP.