Marketing Medicare Advantages

In most cases you are probably right - but if rhete are witnesses - you may get caught - or you may not - shoplifting is also ok - unless you get caught - I need my license- not taking the chance. Besides - you know it’s illegal.
 
Plenty of people go D2D with the idea of just offering Med supps and when they can’t afford it, they pivot to MAPD. Too many people (including people on this forum) think that’s ok. It’s not.
You cannot get a MAPD sale from a cold call/knock. Even if you start with Med supp.

No one follows the rules it seems

The rule actually says you can't cold call, etc with the intention of selling the MAPD (Bait and Switch). It actually does not say you can not pivot to an MAPD, if the client asks.

So if CMS questions you they are really trying to find out first what your intent was. I'm not sure how they can prove it one way or the other, but since they are ultimately the ones who will determine it. Of course, some of their rules they expect the carrier to enforce for them.
 
I wondered about getting a list of 65 to 75 year old Medicare recipients and approaching them this way: "I am a senior insurance specialist working in your area today- and if you have 15-20 minutes - I would like to review your current health care status- answer any questions you may have about how Medicare works- and make sure you understand all of your options regarding your healthcare." If I get in- I would begin by briefly explaining how Medicare works (including a generic explanation about Part C and some of some of the extra benefits it can provide- and the general premium cost range), answer their questions, and then ask them what type of coverage they currently have. Finally ask if would like for me to give any more detail about products related to MediGap, Part D drug plans or Part C? If they say yes to Part C- I would then do a SOA. This doesn't seem to be violating any Medicare rules.
We’ll visit you in jail:)
 
Thank you for noticing. It seems to be worse than in the past. The lady that I spoke with is actually a current client aging into Medicare. She would not be a Med Supp prospect, and the agent coming to see her wasn't there to sell finex.

The agents doing this know that complaints are typically very specific and they only need to briefly address how they got there, which is easy to lie about. They can say the client called them, the client probably won't remember anyway. I asked my client if the lady just showed up or if she called her, and she said yes, no, I don't know. Next I asked her if she mailed something back asking to be contacted, same response. These agents know their audience.

It's not like anybody is going to admit they were door knocking for MA plans, and as long as they have everything else they need to address the complaint, and aren't stupid about it, they'll be okay, and they know it.
I’ve found that a lot of these prospects know the contact rules; it only takes one complaint and you’re in the soup. CMS don’t think there are any gray areas and your company will turn on you like a wolf on an elk.
 
I’ve found that a lot of these prospects know the contact rules

Yes, that is true, and some of them know more about all of it, than some agents think, right down to not bringing up non health products at the meeting.

Lately I've come to think that some of these agents don't really give a crap and feel it's worth the risk. If they can't do it their way, they'll go back to selling used cars or something.
 
Yes, that is true, and some of them know more about all of it, than some agents think, right down to not bringing up non health products at the meeting.

Lately I've come to think that some of these agents don't really give a crap and feel it's worth the risk. If they can't do it their way, they'll go back to selling used cars or something.
I’m not messing around with CMS, they hold all the cards.
 
Yes, that is true, and some of them know more about all of it, than some agents think, right down to not bringing up non health products at the meeting.

Lately I've come to think that some of these agents don't really give a crap and feel it's worth the risk. If they can't do it their way, they'll go back to selling used cars or something.
CMS wants more folks on MAPD but their marketing rules don’t lend itself to that; I’ve grown weary of all the handcuffs they put on you, it’s like you’re constantly trying to swim up river.
 
CMS wants more folks on MAPD but their marketing rules don’t lend itself to that; I’ve grown weary of all the handcuffs they put on you, it’s like you’re constantly trying to swim up river.

I get the concern you have Jerry. However, It is extremely rare for an agent to get in trouble selling MA unless the are grossly violating guidelines. Many agents are unnecessarily avoiding this lucrative market. Maintain compliance and you'll probably never experience anything other than success.
 
I get the concern you have Jerry. However, It is extremely rare for an agent to get in trouble selling MA unless the are grossly violating guidelines. Many agents are unnecessarily avoiding this lucrative market. Maintain compliance and you'll probably never experience anything other than success.
I’m very compliant but I’m also constantly on edge worrying about it. The limitation on marketing methods is the most frustrating for me but I suppose that can be to your advantage if you’re willing to work events which most won’t do.
 
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