Under Medicare Supplement marketing regulations, which practice is allowed?

• A. Replacing an existing Medicare Supplement policy
• B. Misrepresentation of benefits
• C. High-pressure sales tactics
• D. Advertising without required disclosures

Answer: (A)

In Medicare Supplement marketing, helping a client replace an existing policy is allowed when it’s done in the client’s best interest and with full transparency. This means the agent provides a clear comparison of benefits, costs, and any changes in coverage, and the client can make an informed decision without pressure. The other practices violate protections built into these regulations: misrepresenting benefits can mislead the consumer about what coverage really provides; using high-pressure sales tactics pressures the client into a choice that may not be right for them; and advertising without the required disclosures omits essential information the consumer needs to evaluate the offer. Replacing an existing Medigap policy, with proper disclosures and in the consumer’s best interest, aligns with the regulations and helps ensure the client understands the implications of the switch.