How will the recent regulatory change affect Medigap plans starting January 1, 2020?

The recent regulatory change that took effect on January 1, 2020, significantly impacts Medigap plans by no longer allowing new enrollees to purchase policies that cover the Part B deductible. This change specifically affects Plan C and Plan F, which were previously two of the most comprehensive options available, as they covered the Part B deductible.

With this modification, individuals who become eligible for Medicare on or after January 1, 2020, cannot enroll in plans that offer this coverage. As a result, new beneficiaries must prepare for out-of-pocket costs associated with the Part B deductible, which adds a layer of responsibility when it comes to managing healthcare expenses.

This change was made to help strengthen the Medicare system and encourage beneficiaries to be more cost-conscious when seeking medical services. It reflects ongoing efforts to shift some financial responsibility to beneficiaries and foster an awareness of healthcare costs.

In conclusion, option B accurately reflects how the regulatory change reshapes Medigap offerings for new enrollees, particularly by instituting a limitation on the coverage of the Part B deductible.