As you can imagine, premiums, deductibles, and coinsurance can add up. This is where Medicare supplemental plans F, G, K, L, M, and N enter the picture. These are also called Medigap plans and are covered by private insurance plans. You need to be enrolled in Original Medicare in order to qualify and should keep those plans for things like hospital care. Medigap plans do not include coverage for prescription drugs. If you need help with your meds, enroll in a stand-alone Medicare drug plan.