Arizona Insurance & Retirement Services, LLC
AZ Insurance & Retirement Services, LLC

Arizona Insurance & Retirement Services, LLC

Subtitle

Blog

Medicare Marketing Rules. Who's coming to your door?

Posted on August 16, 2017 at 4:35 PM

Medicare Open Enrollment is coming!!  Oct 15 - Dec 7 every year is Medicare Open Enrollment.  During this time you may: 

Shop for a new Part D Drug Plan

Change your current Medicare Advantage Plan 


Medicare Open Enrollment is for people that have already been enrolled into Medicare Part C and / or Part D and would like to pursue other options.  If you are on a Medicare Supplement, you do not have to change.  Your Supplement will follow you for the rest of your life if you want it to.

Many people temd to get bombarded with calls, mail, salespeople knocking at your door etc.  Take a look at the rules Medicare has implemented and the next time someone comes to your door unsolicited you will know what to say.

70 – Outreach, Marketing and Educational Events, and Sales Activities,  Here are a few examples:

70 – Outreach, Marketing and Educational Events, and Sales Activities,

 

70.1- Electronic Communication Policy

42 CFR 422.2268(d), 423.2268(d)

A Plan/Part D Sponsor may initiate separate electronic contact.

Plans/Part D Sponsors must provide an opt-out process to no longer

receive electronic communications.

Note: Plans/Part D Sponsors are required to make available items in

section 30.6 with any enrollment mechanism. Please refer to section

30.6 for required documents and Appendix 5 for the appropriate

disclaimer.

 

70.2 – 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 potential enrollees in common areas (e.g., parking lots,

hallways, lobbies, sidewalks, etc.)

Note: Agents/brokers who have a pre-scheduled appointment with a

beneficiary that becomes a “no-show” may leave information at the noshow

potential enrollee’s residence.

The prohibition on marketing through unsolicited contacts does not

extend to conventional mail and other print media (e.g.,

advertisements, direct mail).

37

In addition, if a potential enrollee provides permission to be called or

otherwise contacted, the contact must be event-specific, and may not

be treated as open-ended permission for future contacts.

70.3 – Prospective Enrollee Educational Events

42 CFR 422.2268(l), 423.2268(l)

An educational event is an event designed to inform Medicare beneficiaries

about Medicare Advantage, Prescription Drug or other Medicare programs

and does not include marketing (i.e., the event sponsor does not steer, or

attempt to steer, potential enrollees toward a specific plan or limited number

of plans). Educational events may be hosted in a public venue by the

Plan/Part D Sponsor or an outside entity. These events cannot be held at inhome

or one-on-one settings.

Educational events for prospective enrollees may not include any sales

activities including the distribution of marketing materials or the

distribution/collection of plan applications. This includes the distribution of

any material with plan-specific information (including plan-specific

premiums, co-payments, or contact information). Educational events must

be explicitly advertised as “educational,” otherwise they will be considered

as sales/marketing events.

The intent of this guidance is not to preclude Plans/Part D Sponsors from

informing beneficiaries about their products; rather, it is to ensure that

events that are advertised as “educational” are only educational and comply

with CMS’ requirements. More specifically, Plans/Part D Sponsors may

provide education at a sales or marketing event, but may not market or sell

at an educational event.

The following are examples of acceptable materials and activities by

Plans/Part D Sponsors or their representatives at an educational event:

 A banner with the plan name and/or logo displayed

 Promotional items, including those with plan name, logo, and toll-free

customer service number and/or website. Promotional items must be

free of benefit information and consistent with CMS’ definition of

nominal gift

 Responding to questions asked at an educational event

At educational events, Plans/Part D Sponsors or their representatives are

prohibited from the following:

 Discussing plan-specific premiums and/or benefits;

for more information click on the link below:

https://www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/FinalPartCMarketingGuidelines.html" target="_blank">http://https://www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/FinalPartCMarketingGuidelines.html

Categories: None

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

0 Comments