Which is a common feature of all Medigap policies?

Medigap policies, also known as Medicare Supplement Insurance, are designed to fill in the gaps of coverage provided by Medicare. A key characteristic of all Medigap policies is that they offer standardized benefits across all insurance providers. This means that the benefits offered by a Medigap policy are consistent regardless of which company sells it, as long as the policies are identified by the same letter designation (like Plan A, Plan B, etc.).

This standardization allows consumers to easily compare and evaluate different policies as they know that the coverage will be the same no matter which insurer they choose. It enhances clarity and understanding of what benefits are covered without the confusion that could arise from varying policy details among different providers.

The other options highlight features that do not apply universally across all Medigap policies. While some policies may cover certain deductibles or allow flexibility in provider selection, these features can vary and are not guaranteed across all plans. Additionally, Medigap policies do not provide comprehensive coverage for all healthcare costs; there are still out-of-pocket expenses that beneficiaries may incur, so the idea of mandatory coverage of all costs is not accurate.