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Guest
Guest
Hi All,
I'm hoping that you can help me determine whether this is a compliant way to meet with Medicare Advantage clients. As you all know PFFS plans are coming to an end in counties that have at least 2 HMO or PPO plans available. So there are many enrollees who are currently on PFFS plans who need to be rolled over to HMO or PPO plans, or just lose coverage.
I took a part-time gig during the down season and have been working nights. A company needed licensed insurance agents to process claims, the work sucks, but its extra income with a decent hourly wage. There are about 50 licensed agents who've taken jobs at this place.
There is a lady I work with who, for the last 3 years, was an agent selling MA plans. She got fed up with the rules and regulations and decided to retire. She has several clients who are about to lose their PFFS plans due to the changes in CMS rules and she doesn't want to mess with getting certified and she doesn't want any more customer service calls on weekends. She calls most of these people her "Hell Clients." She offered to give me her clients who are losing their plans if I agree to take all customer service calls and make them solely my clients.
If she calls her clients and tells them that she has retired and refers them to me is that a compliant way for me to go and sign them under a new HMO or PPO plan? I can't find anything in the regs about this. I obviously do not want to do anything unethical. But she is the agent of record, I'm just not sure if I can approach without them coming to me or without the prospect initiating the contact between us.
Please let me know your thoughts.
I'm hoping that you can help me determine whether this is a compliant way to meet with Medicare Advantage clients. As you all know PFFS plans are coming to an end in counties that have at least 2 HMO or PPO plans available. So there are many enrollees who are currently on PFFS plans who need to be rolled over to HMO or PPO plans, or just lose coverage.
I took a part-time gig during the down season and have been working nights. A company needed licensed insurance agents to process claims, the work sucks, but its extra income with a decent hourly wage. There are about 50 licensed agents who've taken jobs at this place.
There is a lady I work with who, for the last 3 years, was an agent selling MA plans. She got fed up with the rules and regulations and decided to retire. She has several clients who are about to lose their PFFS plans due to the changes in CMS rules and she doesn't want to mess with getting certified and she doesn't want any more customer service calls on weekends. She calls most of these people her "Hell Clients." She offered to give me her clients who are losing their plans if I agree to take all customer service calls and make them solely my clients.
If she calls her clients and tells them that she has retired and refers them to me is that a compliant way for me to go and sign them under a new HMO or PPO plan? I can't find anything in the regs about this. I obviously do not want to do anything unethical. But she is the agent of record, I'm just not sure if I can approach without them coming to me or without the prospect initiating the contact between us.
Please let me know your thoughts.