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Medicare Supplement - Medigap Insurance (they are standardized)

"Every Medigap policy must follow federal and state laws designed to protect you, and it must be clearly identified as "Medicare
Supplement Insurance." Insurance companies can sell you only a "standardized" policy identified in most states by plan letters.

All policies offer the same basic benefits but some offer additional benefits, so you can choose which one meets your needs.
In Massachusetts, Minnesota and Wisconsin, Medigap policies are standardized in a different way.

Each insurance company decides which Medigap policies it wants to sell, although state laws might affect which ones they offer.
Insurance companies that sell Medigap policies:

• Don't have to offer every Medigap plan
• Must offer Medigap Plan A if they offer any Medigap policy
• Must also offer Plan C or Plan F if they offer any plan" (As per

Medicare Supplement Insurance plans are sold by private insurance companies.
Each insurer has the option to price its plans differently. When determining which plan to buy, you need to consider several factors.
• Your age and how an insurance company sets its prices.
• The way that an insurance company prices its Medicare Supplement Plans
• History of price increases even if the cost is initially low the premiums you pay later on may increase substantially.
• Pricing

Community-Rated: No age rated plan, all enrollees pay the same premiums regardless of age. Age is not a factor, same rates
for all ages. Premium may go up due to factors other than age.

Issue -Age
: Rated: Based on issue age when you enroll. Premiums are lower for individuals who purchase at a younger age.

Premium may go up due to factors other than age.

Attained - Age- Rated
: Rates are based on your current age. Your premium goes up as you get older.

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