Agents in Kentucky are asked this question a lot. The best answer is that there a many Medigap Plans and it depends on many factors. The first consideration is how good is your health? When you turn age 65 you are entitled to a guaranteed enrollment period, meaning you cannot be rated for preexisting conditions, and if one can afford the premiums I usually recommend Medigap Plans F,G, or N. These plans will cover most all out of pocket cost that Original Medicare does not Cover. Make sure that you check with a agent that is licensed to sell Medicare Supplement Plans in Kentucky.