Medicare Supplement Marketing Standards (F.S. 627.6743, .6744)

Every entity marketing Medicare supplement coverage in Florida must: ensure agent policy comparisons are fair and accurate; ensure excessive insurance is not sold; display prominently on the FIRST PAGE of the outline and policy — "Notice to buyer: This policy may not cover all of the costs associated with medical care incurred by the buyer during the coverage period. The buyer is advised to review carefully all policy limitations."; make every reasonable effort to learn whether the applicant already has accident and sickness insurance; verify compliance with Florida law; and determine the appropriateness of any recommended purchase or replacement. Prohibited practices: twisting (misrepresenting a plan to induce lapse/surrender/switch), high-pressure tactics (force, fright, intimidation, threat), and cold lead advertising (concealing that the marketing is an insurance solicitation and an agent/insurer will call). Selling a person more than one Medicare supplement policy is prohibited, as is selling to someone entitled to Medicaid — unless the new policy replaces the old (with a statement forwarded to the replaced insurer) or Medicaid pays the Medigap premium or only the Part B premium. Medicare Advantage (Part C) enrollees are ineligible for a Medicare supplement.

One Medigap per person, sold honestly, with the not-everything-is-covered warning stamped on page one.