I know that age has an effect on the Medigap premium. Does the underwriting or GI business place the beneficiary in a higher premium category than a newly eligible beneficiary of the same age?
For example I know that one reason agents sell a plan N vs a plan F is because a plan N is often lower priced. But if underwriting for a cancer risk raises a plan N premium, reducing the N to F differential, it seems like the benefit of a plan N to the beneficiary would start to disappear, again particularly for someone with cancer who would have an increased likelihood of provider visits.
Plan N is often cheaper. It’s always cheaper within the same company.