Should there be stricter regulations on Medicare Advantage marketing and sales practices?

Question

Craig Kirscht · Accepted Answer

Short answer - yes and long answer it's complicated.  Deceptive marketing is a problem with some marketers using confusing and misleading messages. Not to forget the people turning 65 that get a overwhelming amount of marketing calls, emails, and letters. To the point that a person feels as if they are underseige.  While most agents are ethical who actually care about clients, there are definitely bad actors out there who game the system and chase commissions. People then get put into a plan that does not meet their needs. 

The intent of stricter regulations is good but it could also hinder the good agents but adding more red tape to do the right thing. Not every agent is going to be deceptive. Most agents have good intentions and want to do right by the client.

Gary Church · Answer

Yes! there should be advertising on TV focusing on the local community where the Medicare Advantage plans are being sold. Celebrities should not endorse plans for money. Be honest about their endorsements. Nothing's for free; it's baked into the plan.

Answered by Gary Church on August 17, 2025

Broker Licensed in Ca, AZ, NV & TX

Answered by Gary Church Medicare Insurance Agent

Steve and Sue Brauer · Answer

Hi, thanks for watching. So this person asks, should there be stricter regulations on Medicare Advantage marketing and sales practices? I’ll tell you, I came from the group benefits world. I had a group benefits agency for 20 years and I did health insurance for small companies. There are basically, there’s not no rules, but the rules are very lax. Medicare is extremely highly regulated. Meaning when we call people, when we're doing a sales presentation, most things have to be recorded. The regulations they have are really, really strict now. What’s happening is all these call centers that are calling people out of the blue, first of all, they’re not supposed to be able to do that. But if there was a way to crack down on that, those are the people that are the worst offenders. They’re the ones making it bad for the good agents, the good local agents that are just trying to do a good job. But the regulations are pretty strict now. I can’t imagine them getting any stricter, honestly.

Mike Alexander · Answer

Yes  there are too many marketing companies who use captive agents that use high pressure tatics, to churn seniors into switching plan that dont need too.
Telemarketing should be outlawed for 65+ seniors.
BEWARE IF YOU GET A CALL ASKING FOR YOUR PERSONNAL INFO

Daniel Brechin · Answer

The rules needed are there.  However, Medicare does not police the callers from overseas.   When Medicare allowed this to happen members are lied to and generally are there is no recourse.

Lt Col Tim Brown · Answer

I think there should be on the TV commercials.  Those ads should be taken off TV.  Medicare makes it hard for agents and brokers but let commercials get away with a lot.

Bill Wheeler · Answer

Thanks for the question.
New regulations are being implemented to make sure that all have a good experience 
with Medicare Advantage.

Tony Capraro III · Answer

Should there be stricter regulations on Medicare Advantage marketing and sales practices? My answer to that is the government, which always offered Medicare Part A and B, called Original Medicare, decided in the '90s, "Hey, let's give folks another option," and sent it over to the insurance companies. Unfortunately, these Medicare Advantage 800 numbers and all the ads you see only sell Medicare Advantage, so they're only going to tell you how great they are and blind you with zero premiums every month. You can get glasses and you can get hearing aids. What they don't mention is there's always a maximum out-of-pocket every year for what folks go to the hospital and the doctors for with Medicare Advantage plans.

In the state of New Hampshire, where I am at my State Farm agency on Kelly Street, it's anywhere from $4,000 to $10,000 a year out of pocket. So that's each and every year. Work with someone like myself who can offer not only Medicare Advantage but also Medicare Supplement and help you choose a Medicare Part D prescription plan. That's what I do on a daily basis. I do Medicare planning, I do retirement planning, and I do Social Security planning.

That's a great question. I wish I had the actual answer for it, but the government is pushing people towards those Medicare Advantage plans. I don't want to sound like a conspiracy theorist here, 'cause I'm not. Again, I offer both Medicare Advantage and Medicare Supplement, so I wish you the best of luck.

Edward Smith, ChFC, CRPS, AIF · Answer

Yes. There are a lot of honest, independent agents like me trying to make a living by doing the right thing for our clients. There are always bad apples trying to make a quick buck. You should never talk to anyone you have not given prior permission to contact you. 

I will add, check them out with a platform like Medicare Agents Hub, etc. before doing business with them. Ask your friends and family for referrals.

Lynn C Shurtleff · Answer

YES! There should be. These TPMO, Third Party Marketing Organizations, have figured out how to get around the laws already in place. The calls come from overseas using fake or non-working phone numbers and the beneficiary is required to attest that the transfer to the agent is an incoming call. This is how the agents are getting around the illegal cold calls but the laws were expanded to the TPMO as well. But you can't catch them if you don't have a working return phone number or a full name. Some even require you to attest that they can share your information so you get more calls. Permission to contact according to the law must be given in writing, not verbal. COLD CALLS ARE ILLEGAL, so never talk to these people. Simply hang up and never, ever give them your information. I had 4 people last month have their plans flipped and they all told me they told the agent they did not want to change anything, BUT they had already given all of their information. The only way to stop this illegal harassment is to make it illegal for agents to sell over the phone, change the laws back. Contact your Congress members and request this.

Answered by Lynn C Shurtleff on September 11, 2025

Broker Licensed in TN, AR, CO & 6 other states

Answered by Lynn C Shurtleff Medicare Insurance Agent

Steven Lovell · Answer

There should be stricter regulations on Medicare Advantage marketing and Sales practices. There has been too much bait and switch with agents and how they conduct business for far too long. Clients are the priority, and with that, our duty is to make sure they have the best coverage now and in the future. We need more penalties for negligent agents when dealing with Medicare Advantages.

Answered by Steven Lovell on May 9, 2025

Broker Licensed in GA, AL, CA & 11 other states

Answered by Steven Lovell Medicare Insurance Agent

Tasha Riggs · Answer

No. The regulations make is harder for honest people and the seniors. The issues is that the dishonest people are NOT following the rules. Calling Seniors with permission to contact forms. They are signing them up without Scope of Appointments. 
The high pressured scammers are the problem and not following any rules. I get calls every 10 minutes from people trying to pressure me and make false claims about insurance and I am a broker!!

Cody Biggs · Answer

Yes—there is a strong case for stricter enforcement and, in some areas, tighter rules. CMS has already strengthened Medicare Advantage marketing rules, including limits on compensation structures that can steer agents toward certain plans and updated marketing requirements for third-party materials, which suggests regulators already saw real problems that needed correction.  ￼

The main reason is that Medicare is complicated, and many beneficiaries are vulnerable to confusing or misleading sales tactics. KFF has documented beneficiary concerns about aggressive marketing and the difficulty people have understanding their options, especially during enrollment season.  ￼

That said, the goal should not be to shut down legitimate education or ethical sales conversations. The better approach is stricter oversight of misleading ads, stronger disclosure requirements, clearer distinctions between educational events and sales events, and tougher penalties for brokers or organizations that misrepresent benefits, provider access, or plan costs.

Patricia &#039;Tif&quot; Bush · Answer

There should definitely be stricter guidelines on agents who call folks who are on the do not call list. Agents are not supposed to reach out via cold calling, and there are no consequences currently.

Joanna Finnegan · Answer

CMS is very strict on how Agents and Agencies can market and sell. Agents are not allowed to cold call, door knock, or use unsolicited texting. Agents must have permission to contact before calling a prospect. Agents must document with a Scope of Appointment what products are to be discussed prior to meeting with a prospective client. All sales calls are to be recorded. Agents must use CMS approved disclaimers and receive prior approval from the companies when marketing specific plan benefits.

Answered by Joanna Finnegan on August 6, 2025

Broker Licensed in ID, AR, AZ & 31 other states

Answered by Joanna Finnegan Medicare Insurance Agent

Sandra Bailey · Answer

Yes there should be! I know Medicare beneficiaries are tired of everyone calling & texting them. Please do not give everyone your Medicare #. Guard it like your Social Security # & only give it to people you know & trust.

Answered by Sandra Bailey on May 19, 2025

Broker Licensed in TN, AL, AR & 13 other states

Answered by Sandra Bailey Medicare Insurance Agent

Mark Sannes · Answer

This is a heavily debated topic. I personally believe that most smaller, local agents do a good job. Some larger call center-type agencies push the line on compliance. Then CMS (Center for Medicare and Medicaid Services) comes out with generic rules for all agent vs just addressing those entities that need addressing. I am all for making it easier and safer for the customer.

Answered by Mark Sannes on March 5, 2026

Broker Licensed in WA, AK, AZ & 11 other states

Answered by Mark Sannes Medicare Insurance Agent

Ron Kaemmerer · Answer

Yes! You should have avenue’s like Medicare Agent Hub to go to when you need help with Medicare! They should not be able to call you to market plans at all if you ask me!

Tammera Marrs · Answer

Yes, most definitely! Some of my clients get bombarded with daily phone calls multiple times a day. Blocking those calls doesn't work, as the callers just call on a different number. Several of my clients have been duped into thinking they are buying a Medicare Supplement policy when they are buying a Medicare Advantage policy that isn't in the local network. Luckily, we have been able to reverse the problem.

Answered by Tammera Marrs on May 1, 2025

Broker Licensed in KS

Answered by Tammera Marrs Medicare Insurance Agent

Wendy Lollar · Answer

I don’t think it’s a problem, unless its in reference to the telemarketers. I have spoken to so many stressed seniors about the hundreds of phone calls that they receive daily during certain enrollment periods.

Answered by Wendy Lollar on February 9, 2026

Broker Licensed in LA, AR, FL, MS & TX

Answered by Wendy Lollar Medicare Insurance Agent

Brady Kidwell · Answer

Yes, consumer say that Medicare Advantage sells can be annoying, aggressive, misleading information, especially over the phones.

Mackenzie Anderson · Answer

Yes, I do believe so, especially for call centers. The same compliance parameters apply to all of us, but call centers do the most damage. Their aggressive and high-pressure marketing practices give the industry a bad name.

Answered by Mackenzie Anderson on July 3, 2025

Agent Licensed in TX

Answered by Mackenzie Anderson Medicare Insurance Agent

Jackson Stodgel · Answer

Yes, there should be stricter regulations on very specific areas of Medicare Advantage marketing, particularly around promotions tied to food cards, grocery allowances, and Social Security related benefits. These incentives often overshadow the core purpose of Medicare, causing confusion for beneficiaries who may pursue plans for “extra money” rather than choosing the coverage that best supports their health needs.

Answered by Jackson Stodgel on December 8, 2025

Broker Licensed in FL, CA, IL & 12 other states

Answered by Jackson Stodgel Medicare Insurance Agent

Rob Myers · Answer

Yes, for the simple fact a lot of seniors don’t know who is on the other end of the calls they get bombarded with. It’s important to use someone who’s knowledgeable and trusted.

Steven Bleicher · Answer

I'm sure most of you will remember this: A few years ago, there were many TV commercials featuring celebrities like Joe Namath, William Devane & Jimmie Walker which initially caused a multitude of problems for seniors who were about to become Medicare-eligible. They misinformed the public and caused many people to switch to another plan when they ALREADY had the VERY SAME plan with another insurance company in their possession. 

The Center for Medicare & Medicaid Services (CMS) forced these commercials to be redone and to eliminate the misleading information but still used those same celebrities as if nothing was wrong. This was a prime example of the need for greater supervision of these overly frequent TV commercials. 

Moreover, there are Medicare agents who are known as "captive agents". These folks can only sell healthcare plans for one company. Therefore, it is incumbent upon you to find 2nd and sometimes 3rd opinions from independent representatives who are affiliated with various companies who can offer both Med. Supplements, as well as Med. Advantage plans. There is a wide difference between these two plans. In my opinion, it is essential to find an honest broker who can describe the major differences between those 2 plans. Moreover, the most expensive plan is NOT always the best plan. Check out the premiums along with the value of a plan's annual deductible if you're interested in an Advantage plan.

Steve Houchens · Answer

There are already strict marketing practices in place for agents. Although some may not follow the rules in place and particularly seems to be issues with call centers mostly those from outside the USA. Its always helps to get to know your agent and more than just an unknown voice on the other end of the phone.

Answered by Steve Houchens on April 16, 2025

Agent Licensed in KY & TN

Answered by Steve Houchens Medicare Insurance Agent

Jim Tretola · Answer

I believe there are strict rules, however unfortunately not everyone follows them.
Consumers should be educated on what snd what is not allowed.

Michael Pyers · Answer

There are very strict rules about unsolicited contact with a Medicare Beneficiary. The problem is lack of enforcement. If you get one of those calls, tell them it sounds good, but why would want to deal with a criminal? The centers for Medicare and Medicaid (CMS) does not police these plans,but rather allows the MAPD plans to police themselves. Kind of like the fox guarding the Chicken Coop!

Answered by Michael Pyers on May 6, 2025

Broker Licensed in OH & MI

Answered by Michael Pyers Medicare Insurance Agent

Cleo Martin · Answer

Heavens yes!!! I'm of the age and I get 10 or more calls a day. They are robo calls so it is hard to stop them. We as agents are not allowed to call potential clients out of the blue. They have to give us permission to call. So how do these companies on robo calls get away with it. It is drummed into our heads when we take our yearly exam that we can' t do it, yet here are my 10 - 15 calls per day.

Answered by Cleo Martin on August 22, 2025

Agent Licensed in SC, FL, GA, MI & NC

Answered by Cleo Martin Medicare Insurance Agent

Deb Haley · Answer

Yes, absolutely there should be stricter guidelines and rules that agents must follow when marketing and enrolling Medicare beneficiaries in Part C plans. And the private carriers of the Medicare Advantage plans should be overseeing their brokers who are contracted with them to ensure that they are following all the rules that apply.

Answered by Deb Haley on April 28, 2025

Broker Licensed in MA, AZ, CA & 11 other states

Answered by Deb Haley Medicare Insurance Agent

David Ryerson · Answer

The biggest problem I see in the marketing and sales practices is the overseas calls that just won't stop. Senior's phones ring off the hook all day every day, and when they answer the person switches them to a plan they don't know. Yes, this should be more tightly regulated.

Answered by David Ryerson on August 13, 2025

Agent Licensed in AR, KS, MO & OK

Answered by David Ryerson Medicare Insurance Agent

David Haynes · Answer

The sales regulations can be burdensome at times and unnecessary in my opinion. Mainly the required 48 hour rule and Scope of appointment. Other than that the regulations are necessary. I would regulate further national outbound call centers and eliminate any off shore call centers. This is all my opinion of course.

Answered by David Haynes on March 9, 2026

Broker Licensed in TX

Answered by David Haynes Medicare Insurance Agent

Shalonda Cave · Answer

Yes, stricter regulations on Medicare Advantage marketing and sales practices are necessary. I’ve noticed that my clients often feel misinformed during the AEP process. They’re bombarded with TV commercials and mailers from large call centers that prioritize their own interests over your best. Remember, I offer personalized, one-on-one service and am here to answer your questions and help you avoid any high-pressure sales tactics.

Answered by Shalonda Cave on January 12, 2026

Agent Licensed in OH, AZ & FL

Answered by Shalonda Cave Medicare Insurance Agent

Paul Wyatt · Answer

Absolutely! Many plans and call centers use tricky wording and benefits to entice people but they do not give full transparency on the particular plan they are marketing or the qualifications to enroll into them. These companies/call centers make the agents job more difficult every day by switching individuals over the phone into plans that have none of their doctors in network by promising them a food card or specific benefit that they may not even qualify for.

Answered by Paul Wyatt on May 19, 2026

Broker Licensed in TN, KY & MS

Answered by Paul Wyatt Medicare Insurance Agent

Carolyn Duncan · Answer

Many new laws have been passed over the years. I do not have any thoughts on this subject and focus on keeping in line with current regulations and client expectations with unbiased political thoughts.

Answered by Carolyn Duncan on July 16, 2025

Broker Licensed in FL, CA, CO & 12 other states

Answered by Carolyn Duncan Medicare Insurance Agent

Jessica Breland · Answer

No. There are so many restrictions now that it is incredibly difficult for those of us that are following all the rules. I understand the regulations are to protect beneficiaries & for the people who aren't doing right but they're not following the rules anyway. So, it just makes it harder for the rule followers. I understand the need for regulations, I just feel like there should be stricter punishments for the ones breaking the rules.

Answered by Jessica Breland on April 14, 2025

Broker Licensed in LA

Answered by Jessica Breland Medicare Insurance Agent

Vachik Chakhbazian · Answer

Yes, stricter regulations on Medicare Advantage marketing and sales practices are needed.  More oversight is needed

Gary Henderson · Answer

There are very strict rules regarding Medicare advantage sales practices. The one rule I wish they would force agents to do, which is what I regularly do is explain all your options which are other plans such as Medicare supplement, also known as medigap plans. These actually have much better coverage. But in the event that they are not affordable to you, that's why there's Medicare advantage plans

Answered by Gary Henderson on April 14, 2025

Agent Licensed in TX, AK, AL & 46 other states

Answered by Gary Henderson Medicare Insurance Agent

Andrew Kramer · Answer

CMS already has very strict regulations on Medicare Advantage marketing and sales practices. The problem is, there are call centers that don't follow those rules and illegally call Advantage plan members without prior permission and push them to change their plan without doing all the due diligence with the client. Clearly the plans are not terminating their contracts with call centers who do this illegal practice!

Answered by Andrew Kramer on June 6, 2025

Agent Licensed in FL

Answered by Andrew Kramer Medicare Insurance Agent

Carol Thompson · Answer

The regulations are quite strict as is. I would
Say the tell telemarketing calls need to be gotten under control. My clients get tired of receiving multiple calls Per Day from those who want to promise them something/a plan that they do not qualify for.

Dean Chiapetto · Answer

No. The current regulations hurt local agents who physically see clients. The idea someone can get to knownyou in a short phonetically is ridiculous.

Jaye Maxx Alexander II · Answer

No, the regulations on sales and marketing are very strict, and each year CMS works to remove bad actors from the extremely regulated industry. There must be a level of accountability among clients who will abuse the Medicare Advantage program.

Answered by Jaye Maxx Alexander II on September 1, 2025

Broker Licensed in NC, AK, AL & 47 other states

Answered by Jaye Maxx Alexander II Medicare Insurance Agent

Mel Stevens · Answer

When it comes to marketing my answer is yes. These days there are way too many people / companies blowing up people phones with fake numbers and hiring some guy from India or Bangladesh try to sell Medicare. I'm not a senior but I've been getting blown up with those phone calls also. One day during this last AEP I counted 63 scam calls in just one day. More regulation please. Seniors' phones don't need to be blown up every 5-10 minutes with scam, robo telephone numbers. They shouldn't have to deal with the hassle.

Answered by Mel Stevens on December 20, 2025

Broker Licensed in AZ

Answered by Mel Stevens Medicare Insurance Agent

Rich Baker · Answer

Believe it or not there are a lot limitations as to what I, as an independent agent, am allowed to put in an ad. So in general, no I don’t think there needs to be more regulation. 

I used to work for a large brokerage which ran ads on TV saying something to the effect of “if you have medicare, you may qualify for a debit card that gives you up to $200 per month for food” and people would call in wanting that debit card. They never saw the fine print that says it was only certain plans and that you had to qualify for that benefit, and if you DID qualify, you’d have to switch plans. It was left up to me, the agent who answers the phone, to have that conversation - which often did not go well.

So, in my opinion, ads like that are a bit sketchy. If every drug ad has to list the possible side effects of the drug, medicare ads that speak about a popular but not universal benefit should have to provide that clarity. 

BUT - that’s just my opinion. 😉

Tamela Clayton · Answer

There’s a strong argument for stricter rules, not because Medicare Advantage is ‘bad,’ but because some marketing and sales tactics can confuse people or hide the trade‑offs. 
Clear, honest explanations about networks, authorizations, and out‑of‑pocket costs help people choose what really fits them, instead of getting swept up in hype or ‘zero premium’ ads. 

As long as the focus stays on transparency and education, tighter oversight can actually protect both beneficiaries and the good agents who are already doing things the right way.

Toni Chavez · Answer

That’s a great question, and honestly, it’s something a lot of people have been talking about lately.

There’s been a big increase in Medicare Advantage ads on TV, online, and even through phone calls and mail — and not all of it is helpful or accurate. Some of the marketing can be confusing or even misleading, which is why there’s been more attention on whether there should be tighter rules in place.

In fact, Medicare has already started cracking down a bit by adding more guidelines around how plans and agents can advertise. The goal is to protect people from being misled or pressured into a plan that doesn’t really suit their needs.

That said, I believe there’s a balance. There should be strong protections in place for consumers, but we also don’t want to make it harder for people to get real help from licensed agents who are trying to do things the right way.

When I work with clients, my focus is always on clear information and honest guidance — no pressure, just support.

Thanks,
Toni Chavez
Medicare Broker

Gary Haft · Answer

Yes - it is overkill with all the marketing literature sent out and much of it is very confusing to most seniors. Many seniors are signed up for a plan and they don’t even know they signed up. Most never authorized and an agent went ahead and enrolled them anyhow. Must be careful not to agree to anything on the phone or by email or text message.

Answered by Gary Haft on September 22, 2025

Agent Licensed in FL, AL, DC & 9 other states

Answered by Gary Haft Medicare Insurance Agent

Ken Banks · Answer

There are stricter regulations on Medicare Advantage market and sales practices already in affect. It have stricter compliance safeguards to protect medicare beneficiaries.

Larry Pereiro · Answer

There is no need for additional/stricter regulations, the present regulations are sufficient. However, the needs to be a more proficient means for holding agents and organizations accountable for adhering to them.

Answered by Larry Pereiro on October 20, 2025

Agent Licensed in IN

Answered by Larry Pereiro Medicare Insurance Agent

Fran Lovelace · Answer

Yes. The agents and telemarketers that disregard the Medicare rules and constantly call prospective beneficiaries should lose their licenses. I get complaints all the time about the continuous calls regarding Medicare.

Answered by Fran Lovelace on June 19, 2025

Agent Licensed in NC, SC & VA

Answered by Fran Lovelace Medicare Insurance Agent

Robert Nunn · Answer

There are already stringent rules for Marketing and sales practices. The problem stems from undertrained call centers and new agents making errors. Always defer to an agent who fully explains your options and lets you decide what's best for you.

Answered by Robert Nunn on July 17, 2025

Agent Licensed in FL, AL, AR & 36 other states

Answered by Robert Nunn Medicare Insurance Agent

Patricia Graham · Answer

No it is killing my business relationships with my clients I personally service my clients for 16 years . Yes on those telemarketing ppl yes they lie and cheat.I am considering a change my clients do not want to be recorded. I love my clients and the love me. This is just more than I can take.

Answered by Patricia Graham on August 12, 2025

Agent Licensed in WA

Answered by Patricia Graham Medicare Insurance Agent

Ray Rios · Answer

Marketing Medicare is essential, but more restrictions should be applied to companies, not to agents and brokers who have direct contact with beneficiaries. Marketing shops be limited not to overwhelm clients.

Answered by Ray Rios on November 1, 2025

Agent Licensed in AZ, CO, FL & KY, MO, NM & TX

Answered by Ray Rios Medicare Insurance Agent

Lyle Affleck · Answer

I absolutely believe that the advertising of Medicare Advantage plans should be more closely regulated. I speak with a lot of seniors whose knowledge of what was available to them was grossly limited. They made poor decisions about their care based on the limited knowledge they had. Medicare Advantage plans are not always the best choice for people's care.

At the same time, I believe this is a problem, not with agents, but with the insurance carriers and their marketing tactics. I don't think this can be solved with another form agents have to get signed in order to conduct business (there are enough of those already). There needs to be more truth and transparency in the marketing of these products.

Jason Marshall · Answer

There should definitely be more strict consequences to those agents and marketing companies that don’t follow the current rules and regulations.

Michael Caldwell · Answer

Hell yes, there should be stricter regulations.

Most of the advertising done by Third Party Marketing Organizations in regards to Medicare Advantage are at best misleading and often flat out lies. Claims that "EVERY SENIOR GETS A FOOD CARD, GROCERY CARD or FLEX CARD" or "EVERY SENIOR GETS DENTAL IMPLANTS" just aren't true, and the agencies buying the leads generated from this false advertising know this. It's classic "BAIT and SWITCH," and it should be illegal.

Danielle Jimison · Answer

Absolutely! Beneficiaries need clearer, more accurate information. Medicare Advantage is complex. Misleading marketing can cause real harm, especially for older adults or those with chronic conditions.

Answered by Danielle Jimison on January 26, 2026

Broker Licensed in OH & PA

Answered by Danielle Jimison Medicare Insurance Agent

Frances Eleanor Mitchell · Answer

These programs are strictly regulated by CMS. The centers for Medicare. All agents are held to highest standards to be sure clients get the plan and service they deserve

Christopher Matthews · Answer

Yes, stricter regulations could help protect seniors from misleading or aggressive marketing tactics that can lead to confusing or unsuitable plan choices. Clearer rules and stronger oversight would ensure beneficiaries receive accurate information to make informed healthcare decisions.

Answered by Christopher Matthews on November 1, 2025

Agent Licensed in FL

Answered by Christopher Matthews Medicare Insurance Agent

Alyssa Gonzales · Answer

Regulations help keep the industry coloring inside the lines, but we need to address the egg before the chicken. I believe having advocates for both the beneficiary (you) and the broker (me) in front of lawmakers would create more balanced and effective policies.

Answered by Alyssa Gonzales on August 11, 2025

Broker Licensed in Tx, CO, IA & 9 other states

Answered by Alyssa Gonzales Medicare Insurance Agent

Tammam Tayara · Answer

Many experts argue that stricter regulations are needed because some Medicare Advantage marketing can be misleading, making plans seem “free” or hiding important costs and limitations. Clearer rules and stronger oversight would help protect beneficiaries from confusion and ensure they make informed choices. At the same time, responsible agents and plans benefit from transparency, since trust builds stronger, long-term relationships.

Answered by Tammam Tayara on September 18, 2025

Agent Licensed in CA, NM, OR & TX

Answered by Tammam Tayara Medicare Insurance Agent

Uchennah Okafor · Answer

Yes. There should be stricter regulations on Medicare Advantage marketing and sales practices especially on restricting the leads sales and the high cost and profits they make on selling Medicare leads to agents.

Answered by Uchennah Okafor on March 9, 2026

Agent Licensed in TX

Answered by Uchennah Okafor Medicare Insurance Agent

Rob Baer · Answer

Yes, all industries require regulations, and the Medicare Industry is no exception. There are bad actors that need to be caught and stopped from harming people. More can always be done to help stop fraud, waste, and abuse.

Answered by Rob Baer on March 30, 2026

Agent Licensed in SC, AL, CO & 15 other states

Answered by Rob Baer Medicare Insurance Agent

Kimberly Griego · Answer

Absolutely. Most local agents and brokers are doing what's in their clients best interests. The larger problem lies in the call centers, where they don't always follow the rules. Medicare beneficiaries are often switched to plans that they later find don't work with the medical providers or prescription drug plans.

Answered by Kimberly Griego on April 8, 2025

Agent Licensed in WA, AZ, CA & 5 other states

Answered by Kimberly Griego Medicare Insurance Agent

Roseann Vandevender · Answer

I believe that telephonic sales should be limited drastically. Most of my client's report getting more than 10 or more Medicare related phone calls a day. The first question most of the callers ask is how old are you? There has to be some way to stop these harassing calls.

Answered by Roseann Vandevender on July 28, 2025

Agent Licensed in OH, AZ, CO & TX

Answered by Roseann Vandevender Medicare Insurance Agent

Kyle Nystrom · Answer

Yes, definitely. A decision as important as Medicare related coverage should not be able to be sold to you over the phone. Due to the significant amount of advertising companies offering Advantage plans carry out, Medicare Supplement Plans, despite being better coverage, aren't nearly as widely known. Additionally, general positives are advertised with little/no attention to negative aspects of Advantage plans such as prior authorization, yearly plan changes or complete plan withdrawals from an area.

Answered by Kyle Nystrom on April 28, 2026

Agent Licensed in VA

Answered by Kyle Nystrom Medicare Insurance Agent

Nicolas Cain · Answer

Yes, stricter regulations can help protect seniors from misleading or aggressive Medicare Advantage marketing and ensure agents provide clear, accurate plan information. Transparency and accountability are key to maintaining trust in the system.

Answered by Nicolas Cain on July 24, 2025

Agent Licensed in SC

Answered by Nicolas Cain Medicare Insurance Agent

Bridget Joseph · Answer

Many experts agree that stricter regulations on Medicare Advantage marketing and sales could help protect beneficiaries. Because these plans can be complex, some marketing practices have been misleading or high-pressure, leading seniors to enroll in plans that may not meet their needs. Stricter rules could ensure clearer disclosures, limit aggressive tactics, and make it easier for beneficiaries to understand their coverage and costs before making decisions.

Answered by Bridget Joseph on April 9, 2026

Agent Licensed in OH, FL, KY, SC, VA & WI

Answered by Bridget Joseph Medicare Insurance Agent

Ranjit Badhan · Answer

No , rather it should be more relaxed so that all the eligible persons can get the advantage of the benefits

Ronnie Rosenberg · Answer

The regulations on Medicare Advantage marketing and sales practices are already very strict, so no, I don't believe they should be stricter. That could potentially limit the good information that an agent can share.

Answered by Ronnie Rosenberg on April 7, 2025

Agent Licensed in FL, AZ, CT & 9 other states

Answered by Ronnie Rosenberg Medicare Insurance Agent

Frank Fuss · Answer

Yes, call centers should be regulated and banned from making outbound unwanted marketing calls. Advertising on tv and radio have confused a lot of seniors and tricked them into thinking they are missing out on certain benefits.

Answered by Frank Fuss on November 30, 2025

Broker Licensed in MI, AZ, FL & 8 other states

Answered by Frank Fuss Medicare Insurance Agent

Ray Downes · Answer

Currently there are very strict guidelines in place. Coupled with the requirement to complete annual certification along with ethics training, Medicare Advantage marketing is very well regulated.

Should there be stricter regulations on Medicare Advantage marketing and sales practices?

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Should there be stricter regulations on Medicare Advantage marketing and sales practices?

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Medicare Agents HubA non-government resource website

Medicare Agents Hub
A non-government resource website