Turning 65 soon? Tired of all those phone calls?

January 22nd, 2015

If you are turning 65 in the next six months, you might be getting phone calls from insurance agents.

There are many rules agents and brokers are required to follow when contacting you. The Centers For Medicare and Medicaid Services (CMS) establish Medicare Marketing Guidelines (MMG) each year that we must adhere to. Here’s a few items we are NOT allowed to do:

  • Door-to-door solicitation, including leaving leaflets or flyers at a residence or on someone’s car;
  • Approaching beneficiaries in common areas such as parking lots, hallways, lobbies; pharmacies; doctor offices or sidewalks;
  • Initial Telephone Contact (in other words, representatives cannot call you first unless you have given them written permission) including leaving electronic voicemail messages, text messaging, or sending unsolicited e-mail messages.

Prohibited telephonic activities include:

  • Bait-and-switch strategies such as making unsolicited outbound calls to beneficiaries about other business as a means of generating leads for Medicare plans. Examples of other lines of business include discount prescription drug card, Medigap plan, needs assessment, educational event, a review of Medicare coverage options, or any other service that is not an MA plan or PDP.
  • Calls to beneficiaries based on referrals resulting in an unsolicited contact (e.g., referrals from friends, relatives, neighbors, or companies that collect, buy, or sell contact information). Marketing representatives may provide their contact information (e.g., business cards) to friends and others who wish to make referrals, so that the referred beneficiary can contact the agent directly.

If you get unsolicited calls asking for an appointment and you would like them to stop, you can report the incident to 1-800-Medicare. Medicare will respond to your inquiry.

 

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