Under CMS marketing rules, a sales call made by a telephonic marketing organization (TPMO) must include:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CMS regulates telephonic marketing of Medicare plans, including calls made by telephonic marketing organizations on behalf of agents. Each TPMO sales call must open with a disclaimer stating that the agent is not connected with the federal Medicare program and that benefits may be available through other plans. The rules also require recording of calls and prohibit unsolicited contact with beneficiaries who have not given consent to be called. The disclaimer protects beneficiaries from the false impression that the caller represents Medicare or that the plan being pitched is uniquely endorsed by the government.
Why the other options are wrong
- B) No agent may guarantee that a plan is the lowest-priced available. Premium comparisons must be accurate, and promising a price advantage without evidence violates marketing standards.
- C) Requesting a Medicare number and bank information during the initial call violates CMS marketing rules. Such personal data may only be collected as part of a proper enrollment process.
- D) Beneficiaries must give documented consent to be contacted and must complete the enrollment process on their own. On-call enrollment without consent is prohibited.
Memory hook
TPMO script, first line: 'I'm not with Medicare, and other plans may pay better.'