Without written permission or request or consent Medicare agent or company can not contact consumer to sell their plan or services. This type of contact involves door to door soliciting, emailing, text messaging, cold calling and other direct contact. Thus, the correct answer is : Not emailing a consumer off a purchased list.
What is unsolicited contact with Medicare?
Unsolicited Contact: The Center for Medicare and Medicaid Services (CMS) states that agents cannot make direct unsolicited contact. This is anyone who has NOT given explicit permission to contact.
What is an unsolicited email to a potential client?
Additionally, the content of any unsolicited email cannot intend to steer a recipient into choosing or retaining a plan. A compliant email would promote your services rather than any specific plans. Agents are still not allowed to approach potential enrollees in common areas or make unsolicited phone calls.
What is the difference between solicited and unsolicited contact?
Solicited versus Unsolicited. This section will explain the difference between what is considered a solicited and an unsolicited contact and how you can market to each of them. Unsolicited Contact: The Center for Medicare and Medicaid Services (CMS) states that agents cannot make direct unsolicited contact.
Can a Medicare agent contact potential enrollees via email?
Due to a change reflected in the 2019 Medicare Communications and Marketing Guidelines (MCMG) and now updated in CFR 42, agents are permitted to make unsolicited direct contact with potential enrollees via email. However, the email must have an opt-out option in order to remain compliant.
What is not considered unsolicited contact with a Medicare eligible consumer according to CMS regulations?
Unsolicited Contact: The Center for Medicare and Medicaid Services (CMS) states that agents cannot make direct unsolicited contact. This is anyone who has NOT given explicit permission to contact.
In which of the following situations can telephonic contact be made with a Medicare eligible consumer quizlet?
In which of the following situations can telephonic contact be made with a Medicare eligible consumer? When the consumer consented to be contacted for sales activities, subsequent telephonic contact has not yet occurred, and the permission has not yet expired.
Which of the following must you not do when marketing UnitedHealthcare Medicare?
Mailing a marketing brochure to the consumer via postal mail. As an agent, you must not do which of the following when marketing UnitedHealthcare Medicare Advantage plans to consumers? Use providers or provider groups to distribute printed information comparing benefits of different health plans without approval.
When can telephone contact with a Medicare eligible consumer be made?
When does Permission to Contact for Medicare Advantage and/or Prescription Drug Plans expire? Once contact is made or 9 months from the date the consumer provided permission (e.g. consumer signature date on BRC) or 90 days if on federal do not call list, whichever comes first.
Which of the following must a consumer have to be eligible to enroll in UnitedHealthcare SCO?
UnitedHealthcare Senior Care Options (UnitedHealthcare SCO) is available to people who are 65 and older. You must be entitled to Medicare Part A and enrolled in Medicare Part B and MassHealth Standard to enroll in our Medicare Advantage Special Needs Plan. You also need to live in the service area.
Which activities are permitted at an educational event for Medicare?
You may do the following at the conclusion of your educational event: Distribute business cards and contact information so beneficiaries can contact you at a later date. Complete and collect Scope of Appointment (SOA) forms. Set up marketing appointments.
When must a marketing sales event be reported to UnitedHealthcare?
It needs to be reported to UnitedHealthcare prior to advertising and not less than 7 calendar days prior to the date of the event.
In what product should Agents enroll consumers?
In what product should agents enroll consumers? A product that is suitable for the consumer's needs, goals and financial resources.
Which of the following are the ways to report potential FWA UHC?
You can report FWA concerns to UnitedHealthcare online on uhc.com/fraud or by calling 844-359-7736. You can report other Compliance & Ethics Concerns to UnitedHealthcare online at [email protected] or by calling 800-455-4521.
What are the permission to contact guidelines?
Permission to Contact (PTC) is permission given by the consumer to be called or otherwise contacted by a representative of UnitedHealthcare for the purpose of marketing a UnitedHealthcare Medicare Solutions product, including any Medicare Advantage (MA), Prescription Drug Plan (PDP), or Medicare supplement insurance ...
What is the permission to contact form?
The Medicare Permission to contact form (goes by acronym PTC) is different than a scope of appointment. A PTC form allows you to contact the prospect via phone or in person. Cold calling prospects for Medicare Advantage and Medicare part D plans is a violation of CMS rules.
Can you enroll in Medicare on an outbound call?
Medicare beneficiaries may request to enroll in a plan over the phone when they make a call to you or during an outbound call from you.
What is CMS marketing?
CMS differentiates between two types of marketing materials; Those intended as Generic communication content and those intended for marketing specific plans by the Insurance Provider. It is important to understand the difference between the two.
What is generic content?
Generic Content refers to materials that are designed to communicate generic information about Medicare, benefits, and the different types of coverage options, including Medicare Advantage , Part D Prescription Drug Plans, and Medicare Supplements.
What is Plan Specific Materials?
Plan Specific Materials refer to the “use of materials by the Plan/Part D sponsor with the intent to draw a beneficiary’s attention to a plan or plans and to influence a beneficiary’s decision-making process when selecting a plan for enrollment or deciding to stay enrolled in a plan.”. Basically, anything that references specific provider plans. ...
Do all email communications include opt out?
However, all email communication must include the option to Opt-out. If you have a website, including rich information and content to attract online shoppers can help build your email list when they sign up for more information. Do use print media: This includes newspaper or magazine ads to market and generate leads.
Can you use plan specific materials if they have been approved by CMS?
Most Medicare Insurance Carriers will have pre-approved, plan specific materials you can access after you are contracted to sell with them. Do Not use any plan specific materials that have not been approved by CMS.
Can you advertise Medicare?
As a Medicare agent, you probably already know how many rules and regulations accompany Medicare, and marketing Medicare is no exception. Be sure you know what you can and cannot do to promote your services and the plans you’re are selling to stay compliant.
Do you state which types of coverage options you can offer?
Do state which types of coverage options you can offer (i.e. MAPD, PDP, but not specific carrier plans) Do include any applicable disclaimers, such as “Not connected with or endorsed by the United State Government". The Do’s and Don’ts for Plan Specific Materials. Plan specific marketing materials can be used IF they have been approved by CMS.
What is a consumer facing website?
Consumer-facing websites that promote a specific carrier or a group of carriers’ Medicare Advantage or Part D products must be submitted to CMS for approval . This is typically accomplished through the carriers. You may refer to the specific carrier’s policy regarding website review.
Can an agent hold a sales event immediately following an educational event?
Agents are now permitted to schedule and hold a sales event immediately following an educational event. The attendees must be made aware of a change from educational event to marketing event and given the opportunity to leave prior to the event beginning.
Do emails have to be opt out?
However, the email must have an opt-out option in order to remain compliant. Additionally, the content of any unsolicited email cannot intend to steer a recipient into choosing or retaining a plan. A compliant email would promote your services rather than any specific plans.
Can agents improvise their presentation?
Additionally, agents are allowed to improvise their delivery of the presentation and content they’d like to cover before accepting an application at a sales appointment. Now only “talking points” need to be submitted to CMS by the carriers, allowing agents the freedom to conduct a more interactive sales presentation.
Can an agent contact potential clients via email?
Due to a change reflected in the 2019 Medicare Communications and Marketing Guidelines (MCMG) and now updated in CFR 42, agents are permitted to make unsolicited direct contact with potential enrollees via email. However, the email must have an opt-out option in order to remain compliant. Additionally, the content of any unsolicited email cannot intend to steer a recipient into choosing or retaining a plan. A compliant email would promote your services rather than any specific plans.
Can I Use Direct Mail or Print Advertisements to Market Medicare Plans to Potential Enrollees?
Yes. The limits on direct contact to unsolicited Medicare prospects do not include conventional mail or other print media.
Can I Market Medicare Plans Door to Door?
Only in certain situations. You can leave information, such as leaflets or fliers, at a residence only if that contact was a no-show for a prescheduled one-on-one appointment.
Can I Make Cold Call Solicitations in the Lobbies or Other Common Areas of Facilities?
No. You cannot approach unsolicited enrollees in any common areas, including parking lots, hallways, lobbies, sidewalks, etc.
Can I Call or Text Potential Enrollees?
No. You may not use telephone calls, voicemail, or text messages to market Medicare plans to unsolicited enrollees.
What If a Potential Enrollee Calls Me First?
If a potential Medicare enrollee gives you permission to contact them, your response must be limited to their specific inquiry (think: Scope of Appointment) and not treated as open-ended permission for any future contact.
Where Can I Get More Medicare Marketing Guidance?
Our resource center is available 24/7 to give you the help you need with Medicare guidelines, sales advice, and more to keep your business on track. To learn more about the Excelsior team and how we can help you, contact us.