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The other point that I have actually seen is a senior population that depends upon the provision of medical care services-- any type of danger to that is very frightening for them. When you incorporate those 2 with each other-- the fear that numerous senior citizens have actually connected to their continued stipulation of medical care protection, and also their vulnerability as well, this type of advertising hits in an especially dangerous area.

The Chairman. Thanks quite, Legislator Whitehouse. Ms - Medicare agent Huntington NY. Block, in a front-page post in the May 7th New York City Times, you were estimated as saying, concerning Medicare Benefit sales as well as advertising, that, quote, "Providers as well as people with Medicare clearly do not recognize this item," unquote. I want to ask you what you meant by that comment and what is CMS doing to guarantee that recipients as well as insurance policy- sales agents do recognize the Medicare Advantage product prior to they buy it.

Block. Well, the comment was dealt with especially to the personal fee-for-service product and also not the Medicare Advantage item, generally. I really believe that lots of people, consisting of suppliers, along with recipients, have actually discovered the exclusive fee-for-service item puzzling. A few of that confusion, sadly, has been continued in the method that product has been marketed.

We have actually added some very details demands, including documentation of training programs by the strategies as well as disclaimer statements. I also have some examples with me of drafts of what those statements will certainly resemble - Medicare agent Huntington NY. These statements, which are for both beneficiaries and companies, explain really clearly what an exclusive fee-for-service strategy is and, extra significantly, what it is not, which is what I think is what perplexes beneficiaries.

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We are also needing every one of the strategies to do callbacks to people who register in among the exclusive fee-for-service plans to make certain that, actually, they, first off, in fact picked that plan-- that they really signed the application-- and afterwards, 2nd, that they really recognize the arrangements of the product they have acquired which they genuinely plan to be because plan because they believe it satisfies their demands.

Thank you. Senator Smith. Legislator Smith. Thanks, Mr. Chairman. Ms. Block, thank you again for being right here. I think we will speak with participants of the 2nd panel that States are irritated by the preemption arrangement in the Medicare Innovation Act. This prohibits them from doing something about it versus Medicare strategies in their States that might be taken part in unacceptable as well as often-illegal marketing and also registration actions.

So with this in mind, exists worth in taking into consideration curtailing the preemption policies, creating a better partnership in between the States visit the website as well as CMS; or, at a minimum, improving the State consultation regulations? Ms. Block. Well, I can't inform you exactly how important I believe it is that CMS and also the States work very closely together.

We understand that we share the concern for the well- being of Medicare recipients. Therefore, we collaborated with the National Organization of Insurance coverage Commissioners to create the Memorandum of Understanding, which, now, will certainly help us to connect far better, to share details, to see to it that each of us is holding up our end in terms of what requires to be done to make one hundred percent sure-- as well as you will certainly listen to again as well as again today-- as well as I stated it at the last hearing that I went to-- there is no resistance for Medicare beneficiaries being tricked at all concerning the products that they are being marketed.

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Senator Smith. Does the Medicare Memorandum of Understanding-- is that sufficient, or do we need to roll back this preemption stipulation? Ms. Block. I assume that the Memorandum of Recognizing demands to be provided a possibility to work. We have 20 States that have authorized the memorandum so much, as well as Puerto Rico.

We have a team working very closely with the NAIC to function with how this is going to work in regards to processes, procedures Learn More and so forth. I believe that, clearly-- and also I understand the contrast has actually been made to Medigap and the State guidance of Medigap. Medigap is something that recipients purchased with their very own money.

So I believe it is important that the Federal Government maintain guidance and oversight of those strategies. They are our service providers. There are big quantities of Federal funds going into that program. It is a Government program. I believe we need to function as very closely as possible with the States, and also I can not highlight that sufficient.

Ms. Block. I recognize that there has actually been some confusion about the appointment regulations and also, additionally, I comprehend that some of the plans actually do consultations willingly.

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However the critical point, I think, is that this is a Federal program and we intend to work as closely as possible with the systems that we have actually created to do this collectively with the States in a means that, basically, achieves our common objective, which is to protect the beneficiaries.

Well, one strategy that I think is indicating today has a passage from a record that reviews, "Currently is the time to sell aggressively. Well, certainly, agents are required to be able to answer recipients' inquiries, and also that is the factor of the documented this page training. It is absolutely crucial that everybody who is out there marketing this item-- whether the representative is really employed by the plan or whether it is an agreement broker or representative-- very first of all, understands the Medicare guidelines clearly and, 2nd, completely comprehends the product that they are marketing.

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