Can You Solicit Applications Prior to Oct. 15?

  • Originally published October 8, 2014 , last updated November 30, 2016
  • Humana
Can You Solicit Applications Prior to Oct. 15?

Oct. 1 marked the start of the selling season, so hopefully you’ve done your plan comparisons, you’re contracted and certified and you’re contacting your existing clients to set up plan review appointments. But what can you do at the appointment prior to Oct. 15? Can you solicit an app?

Humana issued some useful guidance on this topic last week that we wanted to share.

From Humana:

What does “solicit” mean in insurance? According to “Solicit means attempting to sell insurance or asking or urging a person to apply for a particular kind of insurance from a particular company.” In practical terms, here’s what I think it means relative to our business.

As an agent, you are permitted to do the following:

  • You can educate by providing plan information at the member’s request.
  • You can inquire if they are ready and would like to complete an application at this time.
  • You can offer to assist them in completing an enrollment application if they have expressed a desire to enroll in a Humana plan.

What agents CANNOT do, which would be considered solicitation is:

  • Strongly urge the beneficiary to complete the MA/PDP application NOW.
  • Put pressure on the beneficiary to fill out the application while you’re there to be sure it’s done right.
  • Have the beneficiary fill out the application and the agent take it with them before 10/15.
  • Tell the beneficiary if they don’t fill out the application now, “you don’t know when you’ll be back in this area.”

Hopefully this guidance will give you confidence on your appointments this week. If you have any questions, call one of our marketing consultants at 1-877-645-0147. Go to to run QuickQuotes in your area. Have a great selling season!

Key Takeaways

  • You can educate, inquire, and offer.
  • You cannot urge, pressure, or take applications.