Yup! harlee knows what she is talking about!
And as an example, using Medigap plans in Indiana:
MoO opening a new book in Indiana (oh it's so exciting!) under the name Mutual of Omaha Insurance Company. Low rates! Sign those Medicare Newbies up, now!
Oh but those poor souls in Indiana that are in the book that closed, named Omaha Insurance Company, they get increases of
15% in Plans G, N, High F.
But this doesn't bother a well-known internet broker frequently mentioned here, that likes to push the many faces of MoO, no, that broker will just "shop you around" to find a cheaper Medigap Plan company for you. No problem, they will do it for free whenever you get an increase. Just call them, they really will!
But remember to stay real healthy and not be diagnosed with any of those pesky multitudes of conditions that are so common for aging people, that disqualifies one from getting picked up by a different company's Medigap plan. And if you already had that condition when you entered Medicare (the guaranteed admission at age 65 route), well just suck it up and don't complain, you should have thought of that
before you acquired it! You're stuck
But, in fairness, this insurance company has nice incentives for brokers above and beyond the usual $. It used to be 3-figure dollar amounts for a small number of signups in a couple months. Now they have added Amazon gift cards, airline travel trips, all the bling to energize brokers behind the scenes. We're all just cattle, going MoO MoO. I was able to bail, and did. Buyer beware.