Under CMS marketing rules, sales calls that an agent makes to a Medicare beneficiary:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CMS requires that sales calls to Medicare beneficiaries be recorded when an agent markets Medicare Advantage or Part D plans, and the recording must include the prescribed disclaimer that the caller is not affiliated with or endorsed by the federal government. Recording preserves an accurate record of what was said, protecting both the beneficiary and the agent in any later dispute. The recording-plus-disclaimer requirement is a central CMS compliance rule, making A the correct statement. The recording requirement protects the beneficiary by creating an auditable record of exactly what the agent promised during the call.
Why the other options are wrong
- B) Marketing calls are subject to timing and consent restrictions, including Do Not Call compliance; unsolicited calls at any hour are prohibited. Calls must respect consent and Do Not Call rules, so unrestricted hours are prohibited.
- C) Sales calls must convey accurate plan information, including premiums and benefits; omitting them would itself violate CMS accuracy requirements. Accurate premium and benefit information is required, so omitting it would itself violate the rules.
- D) Sales calls are not prohibited; they are permitted but regulated through recording, disclaimer, timing, and scope-of-appointment requirements. Regulated sales calls are allowed; the law imposes conditions rather than a total ban.
Memory hook
Medicare sales calls are taped like a courtroom: record it, say the disclaimer, keep it honest.