Overpaying for Medicare supplement plans in Georgia is not necessary. When you pay more you don't get more, you simply paid too much. So how do you know if you got a good rate or not?
Ask an independent agent who has the best rates for your situation.
United of Omaha Medigap in GA
George has Medicare supplement plan G that he purchased from a GA agent last year when he was 66. He bought from a name carrier, United of Omaha, which is a solid Medigap company.
George has been pleased with his plan but he wanted to check out options before his next renewal so he called me. He said he was paying $110 per month for the United of Omaha plan.
We don't know what his renewal will be but I expect it to be in the range of $133 based on current rates for United of Omaha new business. He may also have to pay back premiums to cover the under-payment over the last year.
Paying the Wrong Rate
Whether through agent error or something else, George is paying a rate for a FEMALE. When United discovers the shortage he will have to pay that money back retroactive to the original effective date.
The longer he waits the more he will have to pay.
The best rate we have for plan G at age 67 is $114 per month, slightly more than the $110 he is paying but less than the $133 plus back premiums he will pay if he continues with United.
His agent did not do him any favors last year.
Finding the Best Medigap Rate
The best rate last year for a male age 66 was $94 per month which is not only less than the female rate billed by United but is less than the $123 which is the true rate that should have been charged.
Had George called me last year he could have saved over $300 in premium payments.
Georgia Insurance Shop and Georgia Medicare Plans have the most affordable Medicare supplement plans in Georgia.
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