Most medigap policies are meant to pay for the more popular medications. That way it is not supposed to be as hard choosing. If the all would agree to cover exactly the same medications, then, and only then, would it be easy. As it is, you have to spend hours plugging along to see if your medicine is covered, if it has a co-pay, and if it will be prescribed by your family doctor. Once you get it all figured out, and all the papers filler out, then you still have to figure out when and if you will even need the darn policy!