Why Are Medigap Policies Standardized? 
The rules for Medigap policies are established by the federal government even though the policies are sold through private health insurance companies . The long and short of why they were designed to be standardized is because they are SUPPLEMENT plans to Original Medicare and work WITH your Part A & Part B coverage . They do not provide the coverage in place of it -LRB- the ones that do would be Medicare Advantage programs which operate in similar fashion to traditional under 65 health plans -RRB- . I hope the information is helpful - if you have any other questions regarding Medigap plans and or need quotes for coverage , please feel free to contact me . Thanks veyr much . 