This year you have decided to focus your efforts on marketing to employer group plans. One employer provides you with a list of their retirees and asks you to contact them to explain the characteristics of the plan they have selected. What should you do?

a.
You may not make any unsolicited contact with Medicare beneficiaries. The employer will have to tell its retirees to call you.

b.
You may only contact the retirees after the employer has notified them that they will be receiving a call.

c.
You may call them but must record every call.

d.
You may go ahead and call them.