Which marketing activity is permitted with current Medicare Advantage plan members?

• A. Market health related services to members.
• B. Market non-health related items such as life insurance or annuities following HIPAA Privacy Rules.
• C. Share member lists with third parties without consent.
• D. Advertise products not related to health in community events.

Answer: (B)

Understanding HIPAA’s approach to marketing with Medicare Advantage members is the key. Non-health related items, like life insurance or annuities, can be marketed to current plan members if you have the member’s written authorization and you handle their protected health information (PHI) in accordance with privacy rules. This means obtaining explicit consent, restricting how PHI is used or disclosed beyond what the authorization covers, and honoring the member’s right to opt out.

That’s why this option fits best: it reflects a consent-based path to marketing non-health products to members under HIPAA. In contrast, sharing member lists with third parties without consent breaks privacy rules, and marketing health-related services or advertising non-health products to members at events generally involves stricter restrictions or requires separate authorization.