But the thing is, this is a legitimate benefit, not a sales call at all.  It truly is a benefit, and while we are all naturally leary of anonymous calls, legitimate calls can still be confused with them, when they are new to us.  I have been talking with my Active Health Nurse, and she is professional, knowledgeable, and it is a real benefit, quite apart from keeping the insurance down.  Would I talk to her if it did not?  Possibly not, but at least approach it in a fair, rather than a hasty way.  It is a valid call, and I have absolutely no personal stake in their company.