If a beneficiary has an in-home appointment to discuss a PDP product, can the agent also discuss an HMO product?

The answer focuses on the importance of obtaining explicit client approval before discussing additional products such as an HMO during an in-home appointment intended for a PDP product. This approach respects the beneficiary’s autonomy and acknowledges their right to make informed decisions about their healthcare options.

The regulations allow for flexibility in conversations with clients, as long as there is clear consent from the client to expand the discussion beyond the initially scheduled appointment topic. This ensures that the beneficiary is aware and agreeable to discussing different plans that may better meet their needs, thus promoting informed choice.

In-home appointments are an opportunity to provide personalized advice based on the client's unique situation. By securing explicit approval, agents ensure they are acting ethically and in line with best practices while offering comprehensive guidance about their options.