When Was Medigap Created? 
Medicare Supplement , or Medigap insurance was more of an evolution than anything else . The federal government put forward a voluntary certification option for insurers in Section 507 of the Social Security Disability Amendments of 1980 which had minimum standards . There were at least three legislative acts that began the structure of Medigap regulations : The Medicare and Medicaid Patient and Program Protection Act of 1987 , The Omnibus Budget Reconciliation Act of 1987 , and The Medicare Catastrophic Coverage Act of 1988 . The Omnibus Budget Reconciliation Act of 1990 replaced some voluntary guidelines with federal standards and was later amended in 1995 . The `` lettered '' plans came to be in the 1990s with some being dropped in 2010 leaving the main Medigap plans we how have . To most folks , the Medigap plans can be confusing and it is always best to work with a knowledgeable insurance professional to find the plan that works best for you . 