2013 Maryland Code
INSURANCE
§ 15-924 - Solicitations of sales of health insurance policies to individuals eligible for Medicare
§15-924.
(a) Solicitation of the sale of a health insurance policy proposed to be issued to an individual eligible for Medicare may be made only in accordance with this section and § 15-925 of this subtitle.
(b) (1) When soliciting the sale of a health insurance policy to an individual eligible for Medicare, a carrier or insurance producer shall ask the individual whether the individual:
(i) is already covered by an existing Medicare supplement policy; and
(ii) is entitled to Medicaid benefits.
(2) The carrier or insurance producer shall obtain a written statement from the individual that verifies the individual’s information provided under paragraph (1) of this subsection.
(c) When soliciting or advertising the sale of a health insurance policy to an individual eligible for Medicare, a carrier or insurance producer may not:
(1) represent or imply that the carrier or insurance producer represents, works for, or is compensated by a federal, State, or local government agency;
(2) falsely represent or imply that the carrier or insurance producer is offering insurance to supplement Medicare that is approved or recommended by a federal, State, or local government agency;
(3) use terms such as “Medicare consultant”, “Medicare advisor”, “Medicare bureau”, or “disability insurance consultant” when describing the carrier or insurance producer in a letter, envelope, reply card, or any other writing or advertisement or in any oral representation; or
(4) knowingly make a misrepresentation or incomplete or fraudulent comparison by commission or omission of a policy or carrier to induce or attempt to induce the individual to:
(i) purchase, amend, lapse, surrender, forfeit, change, duplicate, or not renew coverage already in force;
(ii) replace a policy that is only technically at variance with the policy being offered by the carrier or insurance producer; or
(iii) take out a policy with another carrier.
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