Legal Telemarketing Pitch?

Dec 5, 2018

  1. SugarhouseMama
    Offline

    SugarhouseMama New Member

    Posts:
    6
    Likes Received:
    1
    State:
    Utah
    Mom got a call yesterday from a U.S. based TM (we think) they led with ' now that AEP is almost over & OEP has not started, we'd like to take advantage of the down time between and give you a free insurance consultation '
    Legal ? They said insurance consultation, no mention of CMS or Medicare,,,,
     
  2. Todd King
    Offline

    Todd King IMO/FMO Owner

    Posts:
    7,682
    Likes Received:
    1,146
    State:
    Virginia
    Sounds legal to me.
     
  3. sshafran
    Offline

    sshafran Guru

    Posts:
    1,802
    Likes Received:
    651
    State:
    North Carolina
    What would be illegal about that?

    I mean, bad pitch... but not sure what the issue would be.
     
  4. senior-advisor-indiana
    Offline

    senior-advisor-indiana Guru

    Posts:
    11,250
    Likes Received:
    161
    State:
    Indiana
    Pretty sure it is illegal to work between Dec 7th and January 5th...
     
  5. FutureForbes
    Offline

    FutureForbes Expert

    Posts:
    50
    Likes Received:
    4
    State:
    Massachusetts
    Sounds pretty legit to me. The only way that could be illegal is if you are on the DNC list.
     
  6. SugarhouseMama
    Offline

    SugarhouseMama New Member

    Posts:
    6
    Likes Received:
    1
    State:
    Utah
    Caveat I'm new & just getting going (again) thought we can't call out for\on Medicare advantage policies - so saying AEP isn't a first contact \ no SOE ?
    Mom really liked the soft approach they used & was excited to tell me about it.
     
  7. Chazm
    Offline

    Chazm Guru

    Posts:
    4,593
    Likes Received:
    649
    State:
    Florida
    You can say AEP OEP etc. You just can’t cold call and have it lead to a MAPD sale.
     
    Chazm, Dec 6, 2018 at 9:19 AM
    #7
  8. MedicareMillionair
    Offline

    MedicareMillionair Super Genius

    Posts:
    218
    Likes Received:
    165
    State:
    South Carolina
    Pretty lame pitch. I can’t imagine too many seniors use The terminology AEP or OEP in the daily lives. But, it doesn’t break any rules.
     
  9. SugarhouseMama
    Offline

    SugarhouseMama New Member

    Posts:
    6
    Likes Received:
    1
    State:
    Utah
    The TM didn't use AEP,OEP easier to type ;)
     
  10. alphawave2k
    Offline

    alphawave2k Super Genius

    Posts:
    180
    Likes Received:
    14
    State:
    Georgia
    Regarding "legality", yes technically this is not breaking any rules. But are we stupid enough to think they are just going to do a "this is how Medicare works review"? The devil as usual is in the details. During this "consultation" there will be seeds of doubt sewn, such as "your current plan has $1 of benefits here, but this one has $1.25...wouldn't this be a better plan for you? Etc, etc. Or, you're on a plan that costs $23/month...this one has zero premium...wouldn't you prefer to pay $0?"
    I have been in this business long enough (doesn't take long) to realize there are many, many agents "bending" the rules and stepping off bounds ethically to get more sales. This is no different than calling for Med Supps and ending with an MA sale. God bless CMS and their infinite wisdom of adding more confusion and more work for legit agents.
     
Loading...