Which of the following is not considered prohibited unsolicited contact with a Medicare eligible consumer according to CMS regulations AND UnitedHealthcare's rules, policies, and procedures?

• A. Calling a consumer to market during non-working hours.
• B. Sending an unsolicited email marketing message without consent.
• C. Visiting a consumer at their home for marketing purposes.
• D. Mailing a marketing brochure to the customer via postal mail.

Answer: (D)

Marketing communications to Medicare beneficiaries are tightly regulated, with certain forms of unsolicited contact considered prohibited. Direct, real-time contact or personal approaches—such as phone calls outside typical hours, in-home visits for marketing, and unconsented electronic messages—are flagged as unsolicited and restricted under CMS rules and UnitedHealthcare policies. Mailing a marketing brochure via postal mail, however, is a traditional, one-way method that does not involve real-time interaction or pressure at the point of contact. When it’s done in line with consent/opt-out requirements and content guidelines, this form of outreach is not considered prohibited unsolicited contact. The other options involve direct contact or unconsented electronic outreach, which CMS prohibits, whereas mailing the brochure fits within allowed marketing practices.