Back in the 1980s, enough questions about Medicare coverage had been asked that gaps in the plan were discovered. In an effort to protect these folks who’d been paying into the Medicare system through tax revenues, an amendment to the law that created Medicare was passed to allow ways to cement the gaps. From there, several more amendments had to come into being (to protect the government from fraud, and to protect medigap coverage purchasers from high out-of-pocket and premium costs).
The Medicare Prescription Drug Improvement and Modernization Act was passed in 2003, and in 2008, the Genetic Information Nondiscrimination Act was passed into law.
While congress has done much to protect those who are Medicare eligible, finding the supplement plan that is right for you can be confusing. You may be able to have some of your questions answered by a Google search, but it’s always best to speak to an agent in person about your own medical history in light of Medicare’s history.