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No, that doesn't sound right at all by knutesteen
I always buy UM/UIM equal to my liability limits. Perhaps GEICO meant PIP, personal injury protection, which pays medical bills up to a stated amount, regardless of fault. That coverage part could be perceived as duplicating your personal health insurance.
Read on your State's department of insurance website an explanation of UM/UIM, as well as PIP and any other coverages of which you may not be familiar and make an informed decision.