The marketing of Medicare Supplements is regulated to prevent all of the following EXCEPT

• A. Misrepresentation in advertising
• B. High-pressure sales tactics
• C. Replacement of any existing coverage
• D. Targeting to specific employers or groups

Answer: (C)

The main idea here is that marketing Medicare Supplements is tightly regulated to protect consumers from deceptive ads, pressuring sales tactics, and discriminatory targeting. Advertising must be truthful about what the plan covers and its limitations, and sales practices cannot pressure someone to enroll or drop current coverage on the spot. Marketing also shouldn’t be aimed at specific employers or groups in a way that would unfairly steer people based on age, health, or employer. The one aspect that isn’t forbidden by these marketing safeguards is the replacement of any existing coverage. It’s allowed for a consumer to replace current coverage with a Medicare Supplement if that choice is informed and voluntary, though other rules about replacement may apply.