Medicare Advantage 48 Hour Rule

Discussion in 'Senior Insurance Forum' started by PinSeeker, Apr 3, 2011.

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  1. djs
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    djs Super Moderator Moderator

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    My understanding (and I could be wrong) is that you can't sell Med Advantage and anything else (besides prescription) in the same appointment. At the same time, there is no waiting period for an appointment to sell a similar product, so you could wrap up the MA presentation, basically close that out, and then sell the med supp.

    I've never really gotten a good clarification on this, though I know annuities and other non-health things are very taboo in the same sitting.

    To me it has become a non-issue. Med-supps and MA's are almost totally different markets, and a bit of prescreening upfront, you know what you are going for. It helps when you have limited MA offerings left in your area (that are at all practical compared to a medsupp).

    Dan
     
  2. Sal15
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    Sal15 Well-Known Member

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    This is correct.

    Hopefully the OP did their own research. The inaccurate information given in this thread could have cost him/her some sales.
     
  3. djs
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    djs Super Moderator Moderator

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    For research, please refer to the bible:
    https://www.cms.gov/ManagedCareMarketing/Downloads/R91MCM.pdf

    You will find that the 48 hour rule does apply (I'm assuming Sal15 is implying otherwise) - page 79:
    CMS is pretty clear that you cannot 'market' medigap and MA plans together. Ironically, it seems pretty silent on if you can sell them together, if scope of appointment rules are followed. I wouldn't push my luck a lot. If I was there for an MA appointment, I would finish the MA appointment then start a medigap appointment if appropriate. During the medigap portion of the appointment, you would be fine to answer customer initiated questions about the MA plan.

    Dan

     
  4. Newby
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    Newby Well-Known Member

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    I'm proud to say that I haven't sold an MA or MAPD or PDP in over a year but...

    The top paragraph of the Scope of Appointment form says (Please note that an agent may also discuss a Medicare Supplement policy with you.)

    What do you suppose this means?
     
  5. VolAgent
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    VolAgent Well-Known Member

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    Pick me! Pick me! PICK ME!

    Does that mean you can talk about MA versus Med Supp in the same appointment?
     
  6. Sal15
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    Sal15 Well-Known Member

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    Last edited: Apr 4, 2011
  7. Guest
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    Just hire a mime to go to appointments with you. Then you speak once the mime determines which plan to discuss without saying a word.
     
  8. Josh
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    Josh Well-Known Member

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    What do you mean by that?
     
  9. djs
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    djs Super Moderator Moderator

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    Correct, if you are in for a PDP appointment (who does those?), you can 'expand' the conversation by filling out a new scope and then talk about the MA.

    This does not allow you to go from a medsupp to an MA without the 48 hour wait.

    But it doesn't say you can do it in the same appointment. It's an interesting point though. I guess once you are in for the MA appointment, you can talk about supps without much hinderence, though I would still do the MA presentation first.

    Dan
     
  10. AllGold
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    AllGold Well-Known Member

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    I don't know for sure but that seems like semantics. ;)

    And could be wrong (I usually am) but I figure since you don't need a scope at all for med supps, there would have to be a specific CMS rule preventing you from discussing them in a MA appointment. I'm not aware of anything like that (but what do I know?) and as much as CMS likes to make rules, you'd think if that was their intent that it would be pretty prominent.
     
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