Ten standardized plans, A through J are available. The other plans add additional benefits. Plan F is probably the most affordable for the coverage. Plans H, I and J cost more because they also pay for up to half of the prescription drug benefits. The main difference between the two policies is cost to the consumer.
Most companies have some kind of policy on pre-existing conditions.
According to the law if you are enrolling for the first time for Medicare Part B services, you have a six month window in which you do not have to meet underwriting criteria. However, after you have passed the six month window and change companies, you may be subject to a waiting period for pre-existing conditions. This can only happen once in a person's lifetime. Another feature to review is renewability. Some companies offer a guaranteed issue, meaning if you pay your premiums, they can not cancel your policy.