Objection Simulator · "Is it free?"

"It's free, right?"

Prospect calling in from an educational event. SOA collected before plan talk.

Training material only. Not marketing material and not for consumer distribution. Scripts are starting points to adapt to your carrier, state, and current CMS rules — not verbatim consumer-facing copy. Not legal, compliance, or enrollment advice. Always defer to current CMS guidance, your FMO's compliance team, and your carrier certifications. See disclaimers.

Scenario \u00b7 phone

Prospect calling in from an educational event. SOA collected before plan talk.

Client: "So this Medicare Advantage plan is free, right?"

Mode

Pick a hand-authored response to classify, or open the advanced bright-line screen for a freeform check.

Which response would you classify as compliant?

Option A
"Yeah, this one's free. There's no cost to you at all — you'd just sign up and start using it."
Option B
"It's totally free — the government pays for everyone. Everyone qualifies."
Option C
"The premium can be $0, but there's still cost-sharing when you use it. Let me pull up the plan details."
Option D
"Great question. The plan itself may have a $0 monthly premium, but you'll still pay your Part B premium and you can have copays, coinsurance, and a yearly out-of-pocket cap. So it's low-premium — not free. Want me to walk through what you'd actually pay?"

On this objection: 0/0 correct classifications — no attempts yet.

Sources

Reviewed Jul 14, 2026 · GoAEP editorial

CMS Medicare Communications & Marketing Guidelines
Master CMS guide for MA and Part D communications and marketing.
42 CFR §422.2260 – §422.2274
MA marketing standards (Subpart V).

Not marketing material. Not for consumer distribution. CMS rules evolve — verify against current guidance before use.

Educational drill only. Rules and CMS guidance evolve — always defer to current CMS publications, your FMO compliance team, and your carrier certifications.