Under CMS marketing rules for agents selling Medicare plans (including TPMO requirements), which practice is permitted?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
CMS marketing rules — including the Third-Party Marketing Organization (TPMO) requirements and the general Medicare marketing guidelines — require agents to record calls during which a beneficiary agrees to enroll, and to obtain the beneficiary's permission before any follow-up contact. The rules prohibit unsolicited recorded messages, unsolicited in-person appointments (all appointments must be scheduled), and marketing materials that fail to identify the plan and insurer. CMS enforces these rules partly through its own monitoring and Secret Shopper activities. The rules are enforced through monitoring and audits.
Why the other options are wrong
- B) Unsolicited pre-recorded calls are prohibited under the Medicare marketing rules; consent is required for telephone contacts. Consent must precede any recorded telephone contact with the beneficiary involved in the call itself here.
- C) In-person marketing appointments must be scheduled and the beneficiary's permission obtained; unsolicited home visits are barred. In-person marketing appointments must be scheduled in advance by the agent making the visit instead.
- D) Marketing materials must clearly identify the plan, the insurer, and their relationship; anonymous price-only advertising is not compliant. Marketing materials must clearly identify the plan and the insurer involved in them.
Memory hook
Medicare marketing = record the enrollment call, get consent before you call back, and never drop by uninvited.