First, it’s important to understand that unless you are changing plan types (Plan types are designated by letter i.e. F, G, N etc.) you will receive the exact same benefits, same coverage, same timely payment of bills, everything.  When it comes to Medicare Supplement insurance (aka Medigap) insurance companies are like car dealers.  They are simply retailing a plan manufactured by the U.S. Government.  Insurance companies cannot change the plan any more than a car dealers can alter the engine, color or seats of a car.  The only difference from one insurance company to the other is the cost. Our goal is to help you pay less for the same benefits.