OAR 836-052-0175: Standards for Marketing

(1) An issuer, directly or through its producers, shall: (a) Establish marketing procedures to assure that any comparison of policies by its insurance producers will be fair and accurate; (b) Establish marketing procedures to assure excessive insurance is not sold or issued; (c) Display prominently by type, stamp or other appropriate means, on the first page of the policy, the following: "Notice to Buyer: This policy may not cover all of your medical expenses"; (d) Inquire and otherwise make every reasonable effort to identify whether a prospective applicant or enrollee for Medicare supplement insurance already has health insurance and the types and amounts of any such insurance; (e) Establish auditable procedures for verifying compliance with this section. (2) In addition to the practices prohibited under ORS Chapter 746, the following acts and practices are prohibited: (a) Twisting, which includes knowingly making any misleading representation or incomplete or fraudulent comparison of any insurance policies or insurers for the purpose of inducing or tending to induce any person to lapse, forfeit, surrender, terminate, retain, pledge, assign, borrow on or convert any insurance policy or to take out a policy of insurance with another insurer; (b) High pressure tactics, which include the employing of any method of marketing having the effect of inducing or tending to induce the purchase of insurance through force, fright or threat, whether explicit or implied, or undue pressure to purchase or recommend the purchase of insurance; (c) Cold lead advertising, which is making use, directly or indirectly, of any method of marketing that 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. (3) Violation of any provision of section (2) of this rule is an unfair trade practice under ORS 746.240. (4) The terms "Medicare Supplement," "Medigap," "Medicare Wrap-Around" and words of similar import shall not be used unless the policy is issued in compliance with OAR 836-052-0103 to 836-052-0194.