Nov 1

The Missouri SMP says be wary of door-to-door insurance sales

Date: November 1, 2017 | Category: News

For this month’s fraud fact, the Missouri SMP wants to remind you about open enrollment for Advantage and Part D plans.
As many of you have heard, we are in the midst of Medicare Part D and Advantage plan Open Enrollment season. You probably have seen commercials on TV, received junk mail, and heard spots on the radio trying to sell you a Medicare Advantage or Part D plan.
Some salespeople will even knock on your door to sell you a particular plan. The door-to-door personal sales call by “Medicare” insurance people violates the federal guidelines.
If someone knocks on your door unsolicited and wants to tell you about Medicare plans, tell him or her NO. Sometimes these folks are very persistent. Turning them down may seem rude to you. Turn them down anyway. You can report such violations to the Missouri SMP, or Senior Medicare Patrol.
Again, it’s against the federal guidelines for Medicare plan salespeople to call on you without an invitation from you. These guys will say they can tell you everything you need to know to choose a plan. But, do not let down your guard. They have an agenda to sell you a particular plan.
On the other hand, most area agencies on aging like this one have trained, objective options counselors who can help you compare plans. Such counselors can help you find the plan with the lowest annual combined costs when it comes to premiums, deductibles and copays for your particular prescriptions. They do not sell or recommend a particular plan.
It’s a good idea to make such comparisons each year because plans change. Open enrollment ends Dec. 7.
As always, report suspected Medicare fraud to the Missouri SMP at (888) 515-6565. SMPs are funded through the U.S. Department of Health and Human Services, Administration for Community Living, Administration on Aging.