I believe the basic structure of Medigap plans evolved some years ago, but boy, it's complicated. A current MEDPAC report to Congress talks about the complexity of choosing Medicare Advantage Plans. But, it includes a table of the complexity of Medigap plans, too.
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Find the 44 page Medicare Advantage report here:
or see the full 500 page report with numerous topics:
For all voting topics (appendix), the MEDPAC commissioners voting was in every case unanimous. An exercise left to the reader - did the staff writing the 500 page report perfectly foresee the commissioners' views, or did the commissioners simply read and agree to everything the staff wrote.