Open Enrollment Period: Beware of Marketing Traps and Tricks

Every year, Medicare’s Open Enrollment Period (OEP) runs from October 15 through December 7. During this time, Medicare beneficiaries in Hawaiʻi can review their coverage and make changes to Medicare Advantage or Part D prescription drug plans.

Unfortunately, this season also brings an increase in aggressive marketing tactics from insurance companies and agents. That’s why it’s important to know your rights and the rules Medicare has in place to protect you.

Red Flags to Watch For

Be cautious if you encounter:

• Anyone asking for your Medicare, Social Security, or bank information before you enroll
• Agents who claim they “represent Medicare” or a government agency
• Unsolicited calls or texts (you can opt out of future contact)
• Pressure to sign up quickly—remember, you have until December 7 to decide
• Gifts for enrolling that are worth more than $15 or not offered to everyone

Safety Tips

Here’s how to protect yourself during OEP:

• Share your Medicare information only with trusted providers
• Always ask for everything in writing
• Double-check that your doctors are in-network before switching plans
• Contact Hawaiʻi SHIP (State Health Insurance Assistance Program) for free, unbiased advice

What Plans Can Do

Insurance plans are allowed to:

• Send mail about their products or set up educational displays at public events
• Call or email current members, as long as you haven’t opted out
• Schedule appointments to discuss plan options, but only on topics you’ve agreed to

What Plans Cannot Do

Plans and agents are not allowed to:

• Contact you without your permission
• Ask for personal information at educational events
• Approach you in public spaces like parking lots, sidewalks, or bus stops
• Give gifts worth more than $15 or require you to enroll to receive one
• Offer full meals or high-value prizes at marketing events

Stay Alert and Take Your Time

Choosing the right Medicare plan is an important decision. Don’t let pressure or misleading promises rush you into a choice that may not meet your needs.

➡ Need help? Call SMP Hawaii. The Senior Medicare Patrol can help you understand your options and protect your personal information.

Why These Rules Exist

The Centers for Medicare & Medicaid Services (CMS) has strict rules for how Medicare Advantage and Part D plans can be marketed. These rules are designed to protect you—and millions of other Medicare beneficiaries—from scams, aggressive sales tactics, and misleading information.

Stay informed, stay cautious, and make the decision that’s right for you and your ʻohana.