EasyMedicare.com cold calling Advantage plans

Mr King screen shots of your claims have been emailed to the legal department for further review.

Well thank you Ted! If you get any correspondence back, please let me know. Once you do get that correspondence, please post it here so that we can put an end to this debate. By the way, it's not a debate in my mind...only in yours. I know how it works.
 
Here's the thing guys.....We all know it's form of bait and switch, but proving it is another thing.


Amen to that.Now if ever a medicare review switcheroo MA sale goes wrong and a complaint is filed the first question asked by carrier is how did you get PTC and having a signed scope doesn't alleviate this issue.

I bet anything that if an agent facing a compliant responded to question about PTC with " well I was cold calling a list of people over 65 and offering a medicare review and consumer mentioned they had an MA plan....." they would have a serious issue.
 
Look at things this way. If you were cold door knocking for Med Supps and you run across someone with an MA product, or you going to tuck tail and run? What if they ask you for help on what they have? Are you going to tell them to call their agent? Or, are you going to get a scoped signed and help them?

If CMS tells me that I can't help them because I door knocked the house to begin with, then CMS and I are going to have a major problem!!

The bottom line for me is this: CMS is not allowed to tell me I can't help someone, period! I will go about it as compliant as I can, but I won't walk away. I really don't think that CMS would not want you to help someone.

Now, if someone would like to screenshot this and send it to CMS, make sure you point out my phone number to them so they can call me. I would love to set them straight!
 
Look at things this way. If you were cold door knocking for Med Supps and you run across someone with an MA product, or you going to tuck tail and run? What if they ask you for help on what they have? Are you going to tell them to call their agent? Or, are you going to get a scoped signed and help them?

If CMS tells me that I can't help them because I door knocked the house to begin with, then CMS and I are going to have a major problem!!

The bottom line for me is this: CMS is not allowed to tell me I can't help someone, period! I will go about it as compliant as I can, but I won't walk away. I really don't think that CMS would not want you to help someone.

Now, if someone would like to screenshot this and send it to CMS, make sure you point out my phone number to them so they can call me. I would love to set them straight!

many agents bend the rules but it is still good to at least be aware of the rules.

https://www.cms.gov/Medicare/Health...016-Medicare-Marketing-Guidelines-Updated.pdf

70.5 – Marketing through Unsolicited Contacts 42 CFR 422.2268(d), 423.2268(d) In general, Plans/Part D Sponsors may not market through unsolicited direct contact, including but not limited to: • Door-to-door solicitation, including leaving information such as a leaflet or flyer at a residence or car • Approaching beneficiaries in common areas (e.g., parking lots, hallways, lobbies, sidewalks, etc.) • Telephonic or electronic solicitation, including leaving electronic voicemail messages or text messaging Note: Agents/brokers who have a pre-scheduled appointment that becomes a "no-show" may leave information at the no-show beneficiary's/individual's residence.

70.6 – Telephonic Contact 42 CFR 422.2268(d), (e), and (f), 423.2268(d), (e), and (f) Agents may contact their own clients and Plans/Part D Sponsors may contact current enrollees at any time to discuss plan business. Prohibited telephonic activities include, but are not limited to, the following: • Bait-and-switch strategies - making unsolicited calls about other business as a means of generating leads for Medicare plans.
 
many agents bend the rules but it is still good to at least be aware of the rules.

https://www.cms.gov/Medicare/Health...016-Medicare-Marketing-Guidelines-Updated.pdf

70.5 – Marketing through Unsolicited Contacts 42 CFR 422.2268(d), 423.2268(d) In general, Plans/Part D Sponsors may not market through unsolicited direct contact, including but not limited to: • Door-to-door solicitation, including leaving information such as a leaflet or flyer at a residence or car • Approaching beneficiaries in common areas (e.g., parking lots, hallways, lobbies, sidewalks, etc.) • Telephonic or electronic solicitation, including leaving electronic voicemail messages or text messaging Note: Agents/brokers who have a pre-scheduled appointment that becomes a "no-show" may leave information at the no-show beneficiary's/individual's residence.

70.6 – Telephonic Contact 42 CFR 422.2268(d), (e), and (f), 423.2268(d), (e), and (f) Agents may contact their own clients and Plans/Part D Sponsors may contact current enrollees at any time to discuss plan business. Prohibited telephonic activities include, but are not limited to, the following: • Bait-and-switch strategies - making unsolicited calls about other business as a means of generating leads for Medicare plans.


In other words if you cold call door knock with the specific purpose of writing MA plans or if you pretend to be calling about another line as a means of bait and switch you are not in compliance

However, if A prospect specifically asks for info on MA plan YOu can do Scope and go forward with an appointment I believe this was even on Ahip this past year

Do keep in mind your % MA to MEd Supp will show if its bait and switch or not
 
yes but i believe the key to keep you out of trouble is that you were on a pre set appointment for a medicare supplement etc. and the prospect ask about MA.if you respond on a compliant about the PTC " i was knocking on doors about medicare supplement and a cold knock converted to an MA sale " thats different if going strictly by the book.if you did respond that way then having a high ratio of med supp to ma sales would help your case but it's still sketchy.IMHO compliance departments would have more of a PTC issue with med supp to ma conversions made through door knocking vs phone calls
 
Well thank you Ted! If you get any correspondence back, please let me know. Once you do get that correspondence, please post it here so that we can put an end to this debate. By the way, it's not a debate in my mind...only in yours. I know how it works.

There seems to be a bit of confusion and disconnect here. Any correspondence won't be from me. Nor would any legal communication be copied to this forum. To suggest something as such shows a rather juvenile handling of this situation, an attempt to dismiss a rather seriouse pass along to other persons. Never was a debate...that takes 2 points of intelligent communication...What you've posted as requirements for phone based MA sales shows you don't know what we do or the legal aspect behind this. Keep door knocking.
 
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Further Tod, why don't you have the same info that is out there for your agents? How would it to be legally offering MA plans 24/7? Wouldn't you think this is a valuable option for your horde? You are a dinosaur. Find a pasture to retire. You do not have your contracted agents best intent in mind.
 
I door knock every direct mail lead the person filed out for extra benefits . Yes its funny I was writing one yesterday and the tv was super loud in the other room . 3 ma commercials and every other word was benefits and free . People calling those #'s like crazy . The commercial sounded so non compliant it wasn't funny . It's a free for all out there . A United rep told me those no secret shoppers out there . The CO's police themselves .
 

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