Any Medigap policy must adhere to federal and state laws aimed at protecting you, and it must be specifically branded as "Medicare Replacement Insurance." Insurance firms will only sell you a "standardized" policy, which is marked by letters in most states.
All policies provide the same basic benefits, but some provide extra benefits, allowing you to choose the policy that best suits your needs. Medigap programs are standardized differently in Massachusetts, Minnesota, and Wisconsin.
While state laws will influence which Medigap policies are available, each insurance company chooses which ones to sell. Companies that market Medigap policies include:
You are not required to include every Medigap plan.
Must provide Medigap Plan A if they offer some Medigap policy
If they propose either option, they must also offer Plan C or Plan F.
