I want to compare
Medicare Supplement plans.

Start online Chat about my options with an agent: 1-800-995-4219

Our agents are here to help you: 1-800-995-4219

Start online

Pre-standardized Medigap plans

Pre-standardized Medigap plans are plans sold before July 1992.

Before 1980, Medigap plans (also called Medicare Supplement Insurance) were regulated solely by individual states, according to a report by the Office of Inspector General for the U.S. Department of Health and Human Services (HHS). The report states that lack of federal oversight in the Medigap industry allowed marketing fraud and consumer abuse.

Between 1980 and 1990, the federal government, state governments, and the National Association of Insurance Commissioners (NAIC) worked together to help implement the Omnibus Budget Reconciliation Act (OBRA) of 1990. This Medigap reform legislation standardized Medicare Supplement Insurance plans going forward, prohibited the sale of any pre-standardized Medigap plan, and helped establish consumer protections.

According to the HHS report, the Act was passed for the following reasons:

  • Set minimum standards for Medigap policies
  • Prohibit insurance companies from offering more than 10 different plans options (starting July 30, 1992)
  • Minimize misleading sales and marketing strategies in the Medigap industry
  • Educate consumers who want to purchase Medigap insurance

Pre-standardized Medigap plans still in use

The Medigap reform legislation of 1990 standardized Medigap plans and benefits. Each Medigap plan option is named with a letter and has a specific set of benefits. Currently, there are 10 Medigap plans available for purchase: Plan A, B, C, D, F, G, K, L, M, and N.

Pre-standardized plans were no longer sold after July 1992. However, the plans that were sold before this cutoff date still represent a small portion of the Medigap industry. A 2014 report by America’s Health Insurance Plans (AHIP) found that pre-standardized Medigap plans represented 4% of all Medigap policies in the United States and its territories. In 2014, there was a total of 422,961 pre-standardized Medigap policies still in effect.

If you have a plan that is not available for purchase, such as an older plan or a pre-standardized plan, it is still valid for use.

Resource Center

Medigap Policies | Compare Free Quotes

Medigap policies can help cover some of Medicare's out-of-pocket costs. Learn about your eligibility and enrollment options today.

Read More

Does Medicare Cover CPAP Machines?

Medicare can help cover the cost of a CPAP machine for a 3-month therapy trial. If a doctor states that it helps your sleep apnea, it may be covered longer.

Read More

Does Medicare Cover Dental Care?

Does Medicare cover dental care? The simple answer is no. However, there are exceptions to this rule.

Read More

Does Medicare Cover Dermatologist Check Ups? | Part B Services

Medicare Part B will likely cover some of the costs of your dermatologist visit if it is medically necessary for the treatment of a condition or disease.

Read More

Original Medicare Does Not Cover Insulin Pens

Original Medicare doesn't cover insulin pens, but a Medicare Part D prescription drug plan may provide coverage for medical supplies used to inject insulin.

Read More

Medicare Coverage for Patients with End Stage Renal Disease

Health care for End Stage Renal Disease is included in Medicare coverage. Medigap Supplement Insurance may reduce costs for dialysis services.

Read More

Medigap vs. Medicare Advantage | Comparing Coverage

Medigap and Medicare Advantage plans provide private health insurance benefits, but they are very different and you can't be enrolled in both.

Read More

How To Choose The Right Medicare Supplement Insurance Plan

Medicare Supplement Insurance helps cover some of Original Medicare's cost sharing. Compare free quotes to find the right Medigap plan for you.

Read More

Will Medicare Cover a Vasectomy?

Original Medicare (Part A and Part B) will not cover a vasectomy. If you are looking to have elective sterilization, you may have to pay for it yourself.

Read More