Jack's Blog on Medicare Plan Choices

Beware of Unsolicited Medicare Plan Sales Tactics: Protecting Yourself from Aggressive Agents

Throughout the year, many Medicare beneficiaries find themselves bombarded with unsolicited phone calls, emails, and even door-to-door visits from insurance agents pushing Medicare plans. In my opinion, these contacts are never well-intentioned.  These agents’ tactics are predatory and misleading. Here’s what you need to know to protect yourself and make informed decisions about your healthcare coverage.

Understanding that Medicare has strict guidelines about how and when agents can contact potential enrollees:

1. Unsolicited direct contact is generally prohibited. This includes door-to-door sales and approaching you in public places.

2. Agents cannot call you unless you’ve given prior permission.

3. Agents must clearly identify themselves and the company they represent.

4. High-pressure sales tactics are forbidden.

Be wary of agents who:

– Claim to be from Medicare itself (Medicare does not send representatives to homes)

– Pressure you to make immediate decisions

– Offer gifts or incentives to sign up for a plan

– Claim their plan is the “best” or “only” option for you

– Ask for personal financial information over the phone

Protecting Yourself

To avoid falling victim to aggressive or unethical sales tactics:

1. Don’t give out personal information to unsolicited callers.

2. Ask for written information about plans before making any decisions.

3. Take your time to review options – don’t feel rushed.

4. Consult unbiased sources like your State Health Insurance Assistance Program (SHIP) for free advice.

5. Report suspicious activity to 1-800-MEDICARE or your state insurance department.

Remember, the best Medicare plan for you depends on your individual circumstances. Don’t let high-pressure tactics rush you into a decision you may regret. Take the time to understand your options and choose wisely.

Before choosing an Advantage or Supplement plan, ensure you have a thorough understanding of Medicare itself. When it’s time to explore your options, don’t fall for a sales pitch from a single company or an agent representing only one provider.

At “More Plans More Choices,” I can provide you with side-by-side comparisons from various insurance carriers. More carriers plus more plans equals more choices.

Call me toll free at (888) 883-6074