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1) There's nothing wrong with making unsolicited calls about Medicare and Private insurance. It becomes problematic when they're calling for Medicare Advantage specifically.
2) Bait and switch is making unsolicited calls about other business as a means to generate leads for Medicare Plans.
As the the org was calling about Medicare, and doesn't know if the person has a Medicare Advantage plan, it isn't bait and switch.
For example, this organization sells Medicare Supplements as well, despite what the Op thinks. It doesn't make it bait and switch if she brings up she has a Medicare Advantage plan and he talks generally about the plan itself, generally, or even talks about her plan specifically.
3) As I said before, if they brought up UHC, that's a violation. Now, if in the process of talking about her plans she says something like, "I don't like that my plan doesn't have dental, does yours?" That's a request for solicitation and a scope needs to be signed.
Another example, "I have Medicare Advantage."
Agent, "How do you like it?"
"I like okay, I don't like that I have to stay in network or I don't have coverage."
Agent, "Oh, I hear that often, not all plans have networks but it seems yours does."
Not a solicitation. Slimy and stretching it, sure.. because they're being led to ask if the agent has any plans like that, but they weren't solicited.
Like I said, if Op really feels there's a violation, his client should report it. It'll get investigated and UHC could pull contracts if it's found to be non-compliant. CMS could be contacted too for tracking and if there's a history it could be fined.
However, calling it a bait and switch is inaccurate.
I've heard from different agents that certain carriers like to sweep such issues under the carpet because they don't want to be dinged by CMS. I'm not sure how true that is?