Since the beginning of Medicare the government has never intended to provide full coverage for those who have Medicare. There have always been “gaps in coverage”. So the “Medicare Beneficiaries” or those who have Medicare Part A and/or B, were left with gaps in coverage with no limit to how much out of pocket they may have to pay each year. Insurance policies were made available to provide protection for those unforeseen costs and medical expenses. These policies are referred to as Medicare Supplement or Medi Gap Plans.