If you wanted to know more about options for your health care coverage options, you might call an insurance company or search google. Even more likely, if you had an agent, you would call them for their advice.
But, under new CMS rules the “agent CANNOT initiate a discussion of new plan options as that is deemed “unsolicited contact.”
Here’s the entire quote.
“Section 70.6 of the MMG outlines permissible and prohibited telephonic activities of both agents/brokers and Plans/Part D Sponsors. We are clarifying that “plan business” means the member’s current plan. Agents (brokers/plans) may not contact members, via the telephone, to discuss other plan options. This is considered an unsolicited contact.”
In the everyday world of working with customers and competing in the marketplace, it’s hard to explain to customers that the government protects them by telling an agent what they can, and can not say.
The product distribution rules imposed like the one above do attempt to protect consumers from those unscrupulous individuals who prey upon the public. But, the unintended consequence can be confusion for consumers.
For instance, the rules for Obamacare include allowing unlicensed, non-agents to sell healthcare to individuals with little or no training about carrier products, how to value the benefits of one over another. Obamacare perceived the way to communicate with citizens was to create an entirely new group of individuals who can do much more harm because they know far less than the qualified agents.
When you are seeking coverage for healthcare be sure to find someone who is qualified, and is an agent for carriers. They only get paid when they take care of you and in that regard the agent service and distribution model works well.
If you need a referral to an agent please contact the office, BenStaff.com.