Texas Insurance Guy
Expert
- 57
Todd you can do better then that......
DOI Says That We Cannot Call for Med Supps?
- Thread starter elder
- Start date
- 2,908
It is hard to tell anything unless the indiana doi person cites the specific rule. Some states, California included, have passed laws, rules against "cold lead marketing" which is not the same as cold calling so could be easily confused. Cold lead marketing refers to cold calling or even mail that solicits but fails to disclose that you are actually soliciting for insurance. In other words, it is intended to prevent agents/carriers from gathering info or jiving around on the phone pretending you are doing a survey or something like that or telling them that you have a plan that will help them but not disclosing that you are selling insurance.
Dont know. Indiana needs to flop out the citation for the rule.
- 919
It's becoming clear that the undertow of government influence is to squeeze the independent agent out of senior healthcare altogether. Perhaps public sentiment now aligns with this as well, given the media's continued slant in coverage. Prior to OEP, my thoughts were beginning to stray towards mandatory controlled environments (call centers staffed with captives) as the only means we would be permitted to conduct senior business. Now, I believe this is coming more than ever. I fear that this model will be adapted to ALL insurance sales. I can just see the landscape of 2020-- insurance agents will be 'droids working in cubes with headphones and their hands strapped to a chair. Kind of Orwellean???
- 969
oh believe me I did, she stated that she had gotten the info from ship. I cannot find any regulations regarding med supp marketing. I been to medicare.gov, ship, mippa and hippa sites, and looked @ hundreds of pages found by google, nothing. She is stating that I have committed 1000's of violations and will take my license.
Elder,
Who was the person you spoke with at the IDOI? Was it an "investigator" or an attorney? What manner were you notified of your non-compliance of this regulation? This does not sound right to me. Need more info...
- 148
I seem to recall that you can call on Med Supps if:
1. The company you represent doesn't sell MA's or PDPs.
2. You can not mention PDP plans or MA info
You can however call and set a "Medicare Option's review" appointment. But at this appointment you can not talk about, give quotes, present literature, or sell any one particular company. You can explain the Medicare A,B, C & D system to them in an overview.
At the end of the appointment get your "Request Appointment form" signed and set another appointment to show them whatever specific plan(s) you offer.
Isn't it great to set two appointment to make less money????? Remind me to thank my Congressman for MIPPA 2008!!!
Oh, and yes door knocking is off limits even to Med Supps. Get caught and you better be a Jehovah's Witness.
1. The company you represent doesn't sell MA's or PDPs.
2. You can not mention PDP plans or MA info
You can however call and set a "Medicare Option's review" appointment. But at this appointment you can not talk about, give quotes, present literature, or sell any one particular company. You can explain the Medicare A,B, C & D system to them in an overview.
At the end of the appointment get your "Request Appointment form" signed and set another appointment to show them whatever specific plan(s) you offer.
Isn't it great to set two appointment to make less money????? Remind me to thank my Congressman for MIPPA 2008!!!
Oh, and yes door knocking is off limits even to Med Supps. Get caught and you better be a Jehovah's Witness.
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I agree Travis, sounds rather fishy...especially for her to state he had 1000's of violations....yeah, right!!! They would have called way before now if that were true. If you got a call, did you see the number come up on caller ID?
Of course it could just be an Indiana Department of Insurance Oblivious Translation. Or as they refer to it I.D.I.O.T.
- 307
In 2005, when these plans were first starting, we got a call from a SHIP worker saying we were committing Federal violations....by taking people out of their Original Medicare, which in her estimation was just plain wrong.
We were operating in 4 WalMart stores, and our agents "were taking advantage of the people shopping at WalMart"??? She further stated she had many, many complaints and she was on a mission to stop it.
After realizing she and I had too many differences to talk out, I told her she needed to take up her problem with the DOI and have them call me if we were doing anything wrong. I never heard back from her, or the DOI on this subject.
- Thread starter
- #18
Investigator & Attorney Laura Levengood. Do not ever go in front of her w/o @ least 2 attornies. This happened during an open investigation that they have on me due to Great American and a former disgruntled agent. So far they only have one little violation, and that is in question, but when we explained how we telemarket, she asked if we sent a letter before the appointment. Of course we said no because it was a med supp appt.. She came unglued, yelling and stuff. Wont allow me or anyone including my attorney say a word.
- 1,704
I'm sorry Elder but i can't find that article that dealt with changes coming with med supps. I surf too much and don't always bookmark. It was not a CMS site, but maybe Marci or a medicare review....gosh, can't remember...(old timers)
- 2,370
Most state "officials" do not understand Medicare, Medicare marketing, or marketing in general.
I dealt with Missouri a few years back, they thought that an MA would make someone loose Medicare and Medicaid. They also did not know how low income subsidies worked.
My advice when dealing with these "officials":
Play dumb - do not give them anything to use against you
Make them prove what they may be accusing you of
Make your answers short and to the point
I dealt with Missouri a few years back, they thought that an MA would make someone loose Medicare and Medicaid. They also did not know how low income subsidies worked.
My advice when dealing with these "officials":
Play dumb - do not give them anything to use against you
Make them prove what they may be accusing you of
Make your answers short and to the point
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