As a result of beneficiaries receiving misleading or inaccurate information, the Centers for Medicare & Medicaid Services (CMS) has monitored Medicare advertising practices through increased “secret shopping.”
CMS employs secret shoppers who call numbers associated with TV ads, newspaper ads, mailings, and internet searches to get a glimpse of the beneficiary experience.
If you prioritize compliance every time you make a sale, you’ll make both your clients and secret shoppers happy.
Record Marketing, Sales, & Enrollment Calls with IntegrityCONNECT
You probably already know that CMS requires all sales, marketing, and enrollment calls with Medicare beneficiaries to be recorded in their entirety.
While it may sound tedious to manage recording your calls, using Integrity’s calling recording capabilities in IntegrityCONNECT is an easy solution. You can easily record and store both outbound and inbound calls received at a unique generated phone number.
You can also check out our post about call recording requirements to learn more!
Not only should this help your clients feel safer, which is always the main goal, but recording your calls will also prepare you to be mindful for a secret shopping encounter.
Obtain Permission to Contact
It’s a good idea to become knowledgeable about permission to contact (PTC), since it’s the starting point when connecting with a potential client.
PTC exists to protect consumers from unsolicited outreach from agents selling Medicare products, and secret shoppers will be on the lookout for any deceitful tactics. Always remember that you must allow the beneficiary to initiate contact.
If you use business reply cards (BRCs) to connect with prospects, you should be aware that they expire after 12 months. We recommend tracking the start and stop date within your CRM.
PTC via PlanEnroll
Your PlanEnroll Agent-personalized Website collects consumer info and PTC, making it easy to compliantly reach out!
All you have to do is activate your PlanEnroll site within IntegrityCONNECT, which also serves as a quoting and enrollment tool.
Once connected with a prospect through PlanEnroll, you can send an SOA by text or email via their client profile in IntegrityCONNECT.
Learn more about PlanEnroll and IntegrityCONNECT here
Secure Scopes of Appointment Ahead of Time
Before discussing plan options one-on-one with a client, either in person or over the phone, you must also obtain a Scope of Appointment (SOA).
Simplify Scopes of Appointment Through IntegrityCONNECT
Make the SOA process easier for you and your clients with IntegrityCONNECT
Agents can send SOAs directly to clients for electronic completion, helping you collect required documentation before the appointment without relying on paper forms or extra back- –and -forth.
Once completed, SOAs can be stored with the client’s information in IntegrityCONNECT, keeping important documentation organized and easy to access when you need it.
By handling more of the process in one place, you can spend less time managing paperwork and more time preparing for meaningful conversations with your clients.
Adhere to All Other CMS Rules
Ultimately, you don’t need to worry about secret shoppers if you stay up to date and in compliance with all CMS rules. Not only do you need to be careful when it comes to SOAs and BRCs, but you also need to become familiar with each year’s Final Rule.
Ultimately, you don’t need to worry about secret shoppers if you stay up to date and in compliance with all CMS rules.
Since agents are considered third-party marketing organizations (TPMOs), you must also follow TPMO-associated compliance rules. There are regulations focused on protecting beneficiary data — TPMOs must obtain prior written consent before sharing personal data.
Give the Prospect Control
A great way to make a prospect feel confident and pleased is by allowing them to take control of the communication. Using direct mailers to reach potential clients puts the consumer in control and, as long as your advertising remains compliant, it will also please secret shoppers who may come across it.
Agents who partner with Ritter can also use Integrity’s PlanEnroll — and have their own Personal URL (PURL). Consumers can navigate to your website and find your contact information.
Clients can run their own quotes and explore options that cover their preferred network, doctors, and medications. Empower your prospects to explore their coverage options on their own and advertise your PlanEnroll Agent-personalized Website!
Sign up for IntegrityCONNECT to have access to your PlanEnroll site!
What Secret Shoppers Look For
When you’re answering questions from any client, remember to just take your time and answer to the best of your ability. If you don’t know the answer, say that rather than giving incorrect information.
If you need some guidelines to ensure compliance during all sales, we’ve got you covered!
General Questions
- Did the agent cover enrollment periods?
- Was “free” used when referring to plan premiums or benefits?
- Were materials distributed with a CMS approval code?
- Did the materials display information for the current year?
All Products
- Did the agent announce what products would be presented at the beginning of the presentation?
- Did the agent explain the difference between Medicare Advantage and Medicare Supplement plans?
- Were enrollment eligibility requirements discussed?
- Was the plan’s provider network explained?
- Did the agent review plan benefits and costs, including cost sharing?
Other Questions
- Did the agent say they were an employee of CMS?
- Did the agent say that any plans were endorsed by Medicare or CMS?
- Did the agent offer any incentives to enroll?
- Did the agent make it clear that there is no obligation to enroll in the plan?
- Were any non-healthcare related products presented?
Note: These questions are examples of some possible questions that secret shoppers may use to evaluate their interaction with agents. This list is not comprehensive.
Remember, if you do suspect someone is a secret shopper, don’t treat them differently than any other consumer.
While it may feel tedious to follow all CMS requirements, it’s important that your clients feel informed and in control at every step of the sales process.
As long as you answer questions as best as you can and make an effort to put compliance first, you’ll be ready to impress.
Become a Ritter agent today to unlock our sales support and tools!
Not affiliated with or endorsed by Medicare or any government agency.
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