Pros
You get a 1 hour break Two 15min breaks
Cons
I’ve observed that could have ethical and reputational implications. There are situations where clients—particularly those on Medicare—are being encouraged to switch plans in ways that may not be in their best interest. For example, a client may be persuaded to switch to a plan that significantly increases their copays or out-of-pocket expenses, and the benefit presented might be something minimal like a $12 increase in Social Security income. In addition, I’ve noticed that high-pressure tactics are sometimes used in these conversations. Clients are often given limited time to make a decision, or they’re presented with exaggerated consequences to create a sense of urgency or fear. These scare tactics can make clients feel they have no other option but to switch plans, even when the switch may not be financially or medically beneficial to them.