Legislative Proposals

DPFR-10

STATE OF MAINE

IN THE YEAR OF OUR LORD
TWO THOUSAND AND SIX
___________
_______L.D.______

An Act to Protect Seniors and the Public
from Unfair Health Insurance Sales Practices

Be it enacted by the People of the State of Maine as follows:

Sec. 1 24-A M.R.S.A. § 2152-B is enacted to read:

§ 2152-B Unfair Methods; Health insurance solicitation

It shall be an unfair practice under this chapter for any insurer or producer to sell, solicit or negotiate the purchase of health insurance in this state by any of the following methods.

1. Cold lead advertising, defined as making use directly or indirectly of any method of marketing which fails to disclose in a conspicuous manner that a purpose of the method of marketing is solicitation of insurance and that contact will be made by an insurance producer or insurance company.

2. Using an appointment that was made to discuss Medicare products or to solicit the sale of Medicare products, to solicit sales of any other insurance products unless the consumer specifically agreed in advance of the appointment to discuss other types of insurance products during the same appointment. As used in this subsection the term Medicare products includes Medicare Part A, Medicare Part B, Medicare Part C, Medicare Part D and Medicare supplement plans.

SUMMARY

This bill expressly defines additional marketing practices as unfair trade practices when used to market health insurance products.

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