Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A Third-Party Marketing Organization (TPMO) discussing Medicare Advantage or Part D plans must include a disclaimer stating that it:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
CMS requires a Third-Party Marketing Organization (TPMO) to include a disclaimer in its communications that it is a marketing organization and is not affiliated with or endorsed by Medicare or other federal or state government agencies. This disclosure prevents beneficiaries from mistakenly believing that marketing organizations are official government programs. The disclaimer is one of several CMS compliance requirements, along with call recording, permission to contact, and scope of appointment rules.
Why the other options are wrong
- A) A TPMO is not a government agency; the disclaimer exists to make that clear to consumers.
- B) TPMO employees are not employed by CMS; they work for private marketing organizations.
- D) No marketing organization can guarantee the lowest premium; such a claim would also be misleading and inconsistent with CMS rules.
Memory hook
TPMO disclaimer in one breath: 'We are marketers, not Medicare.' Clarity keeps seniors from mistaking ads for agencies.