text:  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. She said if more sick Californians are on Medigap plans, insurance companies will have to raise rates for everyone.