Dino explained a plan to a consumer on September 29 but could not accept an enrollment application until October 15. What did Dino do that was NOT compliant?

Dino explained a plan to a consumer on September 29 but could not accept an enrollment application until October 15. What did Dino do that was NOT compliant?

• A. Presented a plan prior to October 1.
• B. Verified the consumer’s eligibility.
• C. Described the costs and benefits accurately.
• D. Used compliant marketing materials.

Answer: (A)

Marketing for the upcoming year is limited to start on October 1. The key idea being tested is the timing rule for sharing plan information with consumers. Presenting a plan on September 29 happens before the allowed date, which makes it noncompliant, even though enrollment can’t be accepted until October 15. The other actions—checking the consumer’s eligibility, accurately describing costs and benefits, and using materials that meet marketing standards—are proper practices and do not violate the timing rule. So the action that violates compliance is presenting a plan before October 1.

Marketing for the upcoming year is limited to start on October 1. The key idea being tested is the timing rule for sharing plan information with consumers. Presenting a plan on September 29 happens before the allowed date, which makes it noncompliant, even though enrollment can’t be accepted until October 15. The other actions—checking the consumer’s eligibility, accurately describing costs and benefits, and using materials that meet marketing standards—are proper practices and do not violate the timing rule. So the action that violates compliance is presenting a plan before October 1.