If your out selling MA's, and the plan your recommending has NO Max Out of Pocket (MOoP), then you better make sure your E&O is up-to-date. Especially, if you have access to a plan that does. Or, are you showing prospects the plan with a MOoP Mirage? Mirage wording like: “Contact the plan for services that apply.” This should be on the David Letterman Show for the top 10 reasons to not trust you MA carrier. What? So, your sitting in a prospective client’s house, and then you open up your new 2008 MA brochure, and get to the MOoP part that has the added language: “Contact the plan for services that apply.” Then what do you say? Can’t CMS standardize the MOoP's so that it is or is not? Personally, I like the good old fashion Classic MOoP language. I can explain this. What's in your wallet?