 [ Symptoms ] do i have lupus or some chronic viral infection [ Disease ] medigap plans pick up costs medicare alone does not cover if you become sick and need a significant amount of medical care dropping your medigap policy could leave you with crippling medical bills you might want to talk with someone who can walk through the details of your specific situation to determine the best course of action but relying on your own savings to cover big medical bills    especially as we age    is more often than not a recipe for financial ruin to get personalized assistance search medicare gov for a counseling program in your area