Objection Simulator · Third-party misinformation

"My friend told me Medicare covers everything now."

Kitchen-table appointment. SOA on file. Recording not required for in-person.

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 in-person

Kitchen-table appointment. SOA on file. Recording not required for in-person.

Client: "My neighbor told me Medicare covers everything now — dental, hearing, all of it — so I don't need extra coverage."

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
"Your neighbor's wrong. Honestly, if you don't get on the plan I recommend, you're going to get burned when you actually need care."
Option B
"You should stop taking that medication and switch to the drug list on this plan — it's covered and it's honestly a better drug for you anyway."
Option C
"Original Medicare doesn't cover most of that — you'd typically need a plan on top. Want me to show you a couple of options?"
Option D
"That's a common mix-up. Original Medicare — Parts A and B — doesn't cover most routine dental, vision, or hearing. Some Medicare Advantage plans include those, and a Medigap + standalone dental setup can get you there too. Want me to walk through what your options actually cover?"

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.