U65 Medigap plans in most states have a "defensive wall" against ESRD clients. It is called ultra high premiums. Plan G U65 in Georgia start north of $600 per month for most carriers.
TransAm in the $290 range but aren't they pulling out of the Medigap business?
Reserve National was the low price leader in the $250 range but recently tripled their rates for new entrants.
That leaves State Farm @ $360 for now. I wonder how many SF agents even know what ESRD means?
Wonder what MA plans will do when they have to take ESRD? Can they design a plan ONLY FOR ESRD or would CMS hammer than on that?
Or maybe that plan won't be available for agents to write. Or they can write but $0 commission.
Not only are the premiums high for <65, they have to qualify for it as well. That's a defensive wall that they can't get over.