To make comparing policies from one insurer to another easier, in 1992 Congress standardized and simplified Medigap plans so that there were just 10 to choose from — Plan ‘A,’ which is the bare bones, through Plan ‘J,’ the top of the line. This means that all Medigap insurers offer the same exact policy, although some companies may offer only a few of the plans.
If you live in Wisconsin, Massachusetts, or Minnesota, there are different types of Medigap plans that are sold in your state but are still standardized across insurers.
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