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there's plenty of lawyers, acccountants, stockbrokers, politicians, etc in prison as well. You don't see any secret shopper thing going on in those industries, there are some really shady characters in every industry. I'm sorry I don't see an agent writing a health plan or a prescription drug plan waranting all this secret shopping, regulation, scope of appointment, etc. when you have, for example, a stockbroker take a seniors life savings and invest them into the highest commission products and losing a good chunk of their money
To the first part of the statement, ask any Real Estate or International litigation attorney how loosely regulated they are. The answer will astound you.
As to the trailing end of your comment, we take something more than money, we take their confidence, pride, assurance and dignity. If you don't realize that, well...
While I abhor overreaching government agencies as much as the next, I'm afraid CMS is doing what must be done. I just finished teaching a six week course, covering LTC and Medicare. While there were, at times, some light-hearted comments, for the most part, I was there to educate, alleviate fears, and keep them up-to-date.