Which statement best describes how to handle plan benefits mentioned in an advertisement?

• A. All of the above.
• B. Focus on a single ad benefit as the basis for recommendation.
• C. Disregard consumer questions about the ad.
• D. Avoid performing a needs assessment.

Answer: (A)

When handling plan benefits in an advertisement, the best approach is to present a complete, accurate view of what’s offered, actively address any questions the consumer has about the ad, and use a needs assessment to tailor the recommendation. Giving only one benefit can mislead and overlook important costs, exclusions, or limitations that matter to the consumer. Disregarding questions leaves gaps in understanding and can cause misinterpretation of coverage, copays, or network rules. Avoiding a needs assessment prevents you from matching the plan to the consumer’s actual health needs, budget, and preferences. By combining a full benefits overview, clear responses to questions, and a thoughtful needs assessment, you help the consumer make an informed choice that aligns with their real situation.