I'm looking for a site that explains the legislative background of the 10 Medigap plan options. It seems so unnecessarily complicated, with such minor differences among some of the options. Was this just a classic "design by committee" or is there some more rational basis for all of these choices?
I don't understand why anyone would purchase plan K or L in preference to the high-deductible version of Plan F, which has lower premiums and lower out-of-pocket exposure. Am I missing something?
If you don't expect to be a significant consumer of medical services, I'd suggest going with the high-deductible version of plan F, where you can save even more premium while still providing yourself with catastrophe coverage.