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Can I Upload Client List to Medicare Insurance Direct

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The senior marketplace is growing in number and in the use of social media. Lx-two per centum of Americans 65 and older use Facebook, according to a Pew Research study. As an agent, what yous post and how you connect with seniors through social media matters. CMS' guidelines for social media have greatly changed for 2019. (For 1, disclaimers are no longer needed on generic posts.) Below, we explain the Medicare Marketing Guidelines' social media rules found in Sections 30.viii and lxx.iii and highlight the changes you need to know.

Tin can Medicare Brokers Contact Individuals on Social Media?

Brokers cannot make direct unsolicited contact with individuals who interact with their social media pages. For example, if an private likes your posts or follows your page, this does non grant you lot permission to make unsolicited contact.

Look at it this way: In existent life, you cannot go door-to-door, arroyo potential clients in common areas, or make unsolicited phone calls (MCMG, Section xl.2). The same principle exists within digital communication as well. Nevertheless, if an private on your page leaves a comment or sends you a individual message looking for more information, you may ask for contact information to send a Telescopic of Appointment form.

What Are the Medicare Marketing Social Media Guidelines for Brokers?

Continue It Generic

If you want to postal service about your business on social media, generic content volition give you the near flexibility. Generic content stays away from naming specific products (e.yard. Golden Medicare Advantage Program) and giving plan details (e.g. programme benefits and premiums).

Targeted Posts

If a post, or materials attached to a post, meets CMS' definition of "marketing," CMS and the programme sponsors/carriers y'all represent must corroborate it. A post would come across CMS' definition if it is a retention-based marketing tactic, meaning the content pushes a specific brand or programme toward enrollees.

What Can Brokers Post on Their Social Media Pages?

Here is what you tin and cannot post on insurance social media pages where the intent is to inform and interact with potential and current Medicare enrollees.

  • Brokers tin can post generic business and production information. Generic data includes your business contact details, the types of products yous sell (e.g. Medicare Advantage, Medicare Part D Prescription Drug Plan, Medicare Supplements, etc.), and posts that don't provide specific details about Medicare plans.

Here's an case of how a generic post should be written to comply with the Medicare Marketing Guidelines' social media requirements.

  • Brokers can reply to social media statements simply not beyond the scope of annotate. If y'all want to requite an individual more information, you can answer by providing a phone number where they tin can contact you.
  • Brokers can post generic, cocky-created marketing materials without CMS approval. Generic materials can annunciate the services you offering every bit an amanuensis. You don't need prior CMS or carrier approval to share such materials on your social media sites as long as y'all don't include any plan-specific details or carrier make names and logos. However, materials must however meet CMS guidelines and, in some instances, you may need to submit them to your carrier's compliance department for review. For example, if your materials will include your telephone number, y'all must clearly indicate that calling the phone number will direct an individual to a licensed insurance agent or broker.
  • Brokers can post carrier marketing materials that are CMS approved. It'southward best to use carrier-provided materials that have already gone through CMS review. You can access these materials through your carrier portal. If you want to post content that will display carrier branding and specific details, such as benefits, premiums, and plan name on materials, you will need permission from carriers to employ their logo, and the marketing pieces must exist CMS approved.
  • Brokers cannot post specific details for products offered in the next contract year before October 1. This applies to any content that can be shared through social media or other mediums.

What Types of Marketing Materials Can Brokers Mail on Social Media?

Brokers can mail service any type of marketing material on social media equally forth as it meets CMS guidelines. Disclaimers are not required on generic social media posts, only the textile you're sharing may require a disclaimer. Below are types of marketing materials you tin share on your insurance social media sites.

  • Videos.
  • Brochures, fliers, infographics, etc. Electronic marketing materials you lot can share on social media tin come up from your field marketing arrangement (FMO) or carrier, yourself, or a third-party.
  • Third-party materials can be something such as an infographic from an commodity to educate your followers about healthcare information. You tin save an infographic from an article and upload it to your social media post. If you lot do this, be sure to include the link for the third-political party article that has the infographic in your post to credit the original source. Below is an example of a mail with a tertiary-party infographic you can share on your social media pages.

  • Ads or invitations to sales events. Any material that advertises a sales event must include this disclaimer: "For accommodations of persons with special needs at meetings call <insert phone and TTY number>." (MCMG, Appendix 2, No. 6)

Can Brokers Repurpose a Customer's Social Media Comment?

Brokers tin repurpose client comments from social media, but there are a couple of stipulations to follow.

Consider these two scenarios:

Scenario No. 1 – "I dear my agent!"

A customer writes a glowing review about you on your Facebook page. Earlier repurposing this argument to utilise in your advertising materials, you must take a signed release from the client who wrote the post.

Scenario No. two – "My agent is great! My Humana plan is perfect for me."

If the comment is promoting a carrier'due south product, treat information technology as a testimonial or product endorsement and follow CMS' product endorsement rules constitute in MCMG, Department thirty.8. Also, a customer's comment is not considered a testimonial until yous repurpose it.

A client writes a Facebook post praising yous, simply they also mention a specific carrier or plan type (e.yard. Humana, Argent Sneakers, etc.). If plan-specific details are mentioned, the testimonial would accept to follow these guidelines:

  • The individual must be a current enrollee of the carrier's plan being mentioned.
  • The individual must identify the carrier and/or product past name.
  • The carrier must be able to substantiate any claims made in the post.

Other Options to Having a Testimonial on Your Social Media Pages

Repurposing a client's social media comment that meets the Medicare Marketing Guidelines' social media rules isn't the simply fashion to increase engagement on your social media pages. Hither are some culling options:

  1. Employ existing testimonials from your brokerage or field marketing organization (FMO). Your brokerage or FMO may already take testimonial videos or materials that you lot tin postal service on your folio to help boost your social media marketing for insurance agents.
  2. Encourage clients to leave a review. Websites, such every bit Facebook, take review features that permit individuals to rate and recommend your service.
  3. Ask other professionals to requite you a recommendation. LinkedIn is a smashing platform for getting recommendations from other professionals and colleagues. This can help build your credibility and become more referrals.

Where Can I Become Aid With Medicare Insurance Social Media Marketing?

Social media for insurance agents and brokers who sell Medicare doesn't accept to be difficult. Retrieve, generic content is the "rule of thumb" when posting on social media to brand things simple. But if yous cull to mail service specific plan information and need more guidance, or you're unsure virtually what you lot tin can mail service on your page, Excelsior is hither to assistance you compliantly use the Medicare Marketing Guidelines social media practices to your advantage. Our senior market team is here for you, whether y'all're using social media or face-to-face, community-based marketing. Allow Excelsior assistance you engage the senior marketplace with proven marketing solutions and access to innovative technology that tin increase your customer base and income.

Note: For the nigh current information, see the CMS Medicare Marketing Guidelines.

References

https://www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/CY2019_Medicare_Communications_and_Marketing_Guidelines.pdf | https://seniormarketsales.com/compliance/medicare/marketing-materials/ | https://appliedga.com/web log/medicare-broker-social-media-branding/

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Source: https://www.excelsiorinsurance.com/medicare-marketing-guidelines-social-media/

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