Who Has The Best Medigap Insurance? 
All Medigap plans feature standardized benefits , meaning a plan F from company ABC features the exact same benefits as a plan F from company XYZ . So you have the exact same coverage regardless of which company the plan is through . The major factor to look at is the price - how much you are paying each month for your Medigap coverage . It 's how carriers differentiate themselves from each other . Another factor to consider is the rating method the carrier uses . Most carriers will use the attained age rating method -LRB- your rates increase each year as you get older -RRB- because it generally offers the lowest rates initially -LRB- you can end up paying more than other options if you keep the plan for many years -RRB- . Community rating means that everyone in a given area pays the exact same rates regardless of their age -LRB- an 85 year old pays the same rates as a 75 year old -RRB- - the price can be a little higher up front , but provides great savings in the long term . The third rating method is issue-age rated -LRB- the rates will only be based on your age when it was first placed in force -RRB- - this is typically the most expensive coverage . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage and if you have any other questions . Thanks very much . 