EasyMedicare.com cold calling Advantage plans

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.

Then I guess I must have misunderstood what you meant by, "Mr King screen shots of your claims have been emailed to the legal department for further review."

I guess this means I should not take you literally, huh?
 
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 don't even know what you're saying or asking here.

I will say this though....I've been doing MA plans since 2007. Have you? NO!

You go do your business the way you think you should do it and I'll run my business they way I have for years. I've educated many agents in the Medicare field. Have you? Not one of my agents have ever been dinged for soliciting in a manner that is inappropriate to CMS.

Last 2 things: My name is spelled with 2 d's. Secondly, what's your problem for you to jump me like this? I never did anything to you that I'm aware of.
 
I don't even know what you're saying or asking here.

I will say this though....I've been doing MA plans since 2007. Have you? NO!

You go do your business the way you think you should do it and I'll run my business they way I have for years. I've educated many agents in the Medicare field. Have you? Not one of my agents have ever been dinged for soliciting in a manner that is inappropriate to CMS.

Last 2 things: My name is spelled with 2 d's. Secondly, what's your problem for you to jump me like this? I never did anything to you that I'm aware of.

2013 so not that far off. Any agent doing volume is going to get hit...Nature of the industry we are in. You assumed that ETQ or EasyMedicare.com was doing something off or illegal. Incase you missed the prior post, I am employed by and happily for the last going on 5 years. You want to attack the company I work for with illegitimate claims of doing wrong. Your words bait and switch. You have zip for info on this company...only hearsay. I wouldn't have even engaged you except for that. For FS you're a FMO and the only one who stands to loose anything.

I/we really help people. We do not force a product on anyone and follow all CMS compliance requirements. All calls are recorded unlike face to face. You have shared misleading information on how an organization like ours works. I hope this is just a lack of education and not a direct attempt to delegitimize organizations like ours.

I really didn't even want to respond. I've been lurking since I put CIS to bed. However when I saw this post that showed up in my email that ETQ was doing something off.....I assure you and the monkey we are not and a legit legal department is in play.

You choose how you wish to proceed.
 
2013 so not that far off. Any agent doing volume is going to get hit...Nature of the industry we are in. You assumed that ETQ or EasyMedicare.com was doing something off or illegal. Incase you missed the prior post, I am employed by and happily for the last going on 5 years. You want to attack the company I work for with illegitimate claims of doing wrong. Your words bait and switch. You have zip for info on this company...only hearsay. I wouldn't have even engaged you except for that. For FS you're a FMO and the only one who stands to loose anything.

I/we really help people. We do not force a product on anyone and follow all CMS compliance requirements. All calls are recorded unlike face to face. You have shared misleading information on how an organization like ours works. I hope this is just a lack of education and not a direct attempt to delegitimize organizations like ours.

I really didn't even want to respond. I've been lurking since I put CIS to bed. However when I saw this post that showed up in my email that ETQ was doing something off.....I assure you and the monkey we are not and a legit legal department is in play.

You choose how you wish to proceed.


Please go back and re-read this thread and then tell me where I was assuming anything. I did say, "Either way, they still tried to sell her UHC, and as far as I see, there is no mention of a scope being signed or even sent.....so that is a violation if it did not get sent or signed."

Now, I ask....was there really a reason to jump me like that?
 
Please go back and re-read this thread and then tell me where I was assuming anything. I did say, "Either way, they still tried to sell her UHC, and as far as I see, there is no mention of a scope being signed or even sent.....so that is a violation if it did not get sent or signed."

Now, I ask....was there really a reason to jump me like that?

Here's the thing guys.....We all know it's form of bait and switch, but proving it is another thing.

This is my last post regarding the matter. I wish you the best Todd.

With Telephonic sales a SOA is not required. The training for telephonically based agents or agencies clearly outlines this with all carriers. As an FMO I am astonished you don't know this.
 
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2013 so not that far off. Any agent doing volume is going to get hit...Nature of the industry we are in. You assumed that ETQ or EasyMedicare.com was doing something off or illegal. Incase you missed the prior post, I am employed by and happily for the last going on 5 years. You want to attack the company I work for with illegitimate claims of doing wrong. Your words bait and switch. You have zip for info on this company...only hearsay. I wouldn't have even engaged you except for that. For FS you're a FMO and the only one who stands to loose anything.

I/we really help people. We do not force a product on anyone and follow all CMS compliance requirements. All calls are recorded unlike face to face. You have shared misleading information on how an organization like ours works. I hope this is just a lack of education and not a direct attempt to delegitimize organizations like ours.

I really didn't even want to respond. I've been lurking since I put CIS to bed. However when I saw this post that showed up in my email that ETQ was doing something off.....I assure you and the monkey we are not and a legit legal department is in play.

You choose how you wish to proceed.

Calm down, Super Chieftain...I've seen ETQ's script. If we don't go so far as calling it sleazy, we'll settle on tacky.

So, here's the thing. You know call center compliance. Some of these guys don't know it as much. Ok, cool.

It's all about getting PTC (permission to contact to discuss MA, basically an opt in). The only way you're reaching out to someone talking about MA first is if you have PTC. That's law for call centers.

For those that don't know, call centers don't have to worry about SOA, it's PTC that's crucial. PTC is good for nine months on MA and PDP. 90 days on Med Sup.

So while YOU'RE technically clean on the PTC, how that PTC was obtained can be assumed to be flimsier than Lifestyles rubbers. Yeah, it's legit, but still far from ideal. Most of your salesforce is calling outbound, and most of them hate it, according to Glassdoor and Indeed (spare us the charade of how all those guys and gals can't cut it and aren't passionate about their work).

The reason they hate it is because their leads are so damn weak and recycled due to the best thing that can be said about the PTC is that it's technically compliant. Kinda like how call centers train you to selectively use the phrase "as long as it's medically necessary" to answer any dicey questions about coverage. Yeah, you're legally right, but you know you wrong, lol.

You're right....you're clean on the contact. However, that's like being happy about beating the guy in the Mercedes with the hot, younger trophy wife to a primo parking spot. He still has a Mercedes and a stunner for a wife, while you, on the other hand...work for ***in' ETQ.

Stop selling dreams about how great ETQ is. Any high quality agent in the Tampa Bay area (I'm guessing you're close to Clearwater) would opt for Humana first, in my opinion. Better pay, benefits, training, culture...you name it. Even Anthem would be better...they sell a shit product, but they pay (or paid, heard they had some changes recently) the most and their benefits are close enough to Humana's.

I'm guessing you're in management...or, oh I don't know, the legal department. :D
 
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This is my last post regarding the matter. I wish you the best Todd.

With Telephonic sales a SOA is not required. The training for telephonically based agents or agencies clearly outlines this with all carriers. As an FMO I am astonished you don't know this.

If you are referring to IB calls generated by advertising etc. to call centers (with recording capabilities of the presentation and the phone signature ) then no scope needed but if an agent is just completing a telephonic application with a phone signature then all PTC and scope rules apply.Also with phone signature application it is assumed that the agent has provided and reviewed the summary of benefits with the consumer before the phone signature is taken.
 
If you are referring to IB calls generated by advertising etc. to call centers (with recording capabilities of the presentation and the phone signature ) then no scope needed but if an agent is just completing a telephonic application with a phone signature then all PTC and scope rules apply. Also with phone signature application it is assumed that the agent has provided and reviewed the summary of benefits with the consumer before the phone signature is taken.

My call center experience has been the following:
IB=No scope necessary.
Until late 2019 OB=No scope needed, but the enrollment had to be on an inbound call (meaning you could present, but they would have to call you back once you started the enrollment) AND another type of PTC was required: Permission to Continue.
Late 2019 to present OB=No scope needed, and enrollment can be done on an outbound call with Permission to Continue and a prior business relationship. Just verified that with a friend who still works for Humana.
 
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