 And the Advantage plans aren't really running these cutting edge clinical trials. So she feels stuck. Her pre-existing condition, the cancer for which she needs treatment, would be cause for a Medigap plan to deny her coverage. Four states have already reformed Medigap in the 90s, Connecticut, Maine, Massachusetts and New York. As the bill was being debated in California, Stephanie Watkins spoke to lawmakers on behalf of the insurance lobby.