Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
When a third-party marketing organization (TPMO) calls a consumer about Medicare Advantage and Part D plans, the caller must:
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under CMS marketing rules, TPMOs and the agents acting for them making unsolicited calls about Medicare Advantage and Part D plans must give a specified disclaimer — such as stating they are calling about Medicare plan options and are not affiliated with the federal government — and many TPMO calls must be recorded. These rules protect beneficiaries from misleading marketing and clearly distinguish private plan sales from official Medicare communications. They are part of the CMS compliance objectives.
Why the other options are wrong
- B) The caller must identify the plans being marketed; the disclaimer requirement is about transparency, not secrecy.
- C) Medicare marketing calls are free to the consumer; plans never charge for sales calls.
- D) Collecting payment or financial information during a sales call is not how Medicare enrollment works; no credit card is required for a plan discussion.
Memory hook
TPMO on the phone? The disclaimer must come first: 'We're not the federal government' — then the pitch.