Do's and Don'ts of Medicare Compliance

Life as an agent before Medicare’s Annual Enrollment Period is a flurry of contracting and certifying. But there’s another C that’s even more important: Compliance.

It’s not just something to consider during the busy season. Compliance should be a year-long goal for every agent.

Listen to this article:

Important Note on Medicare Marketing Guidelines

Before we get into the do’s and don’ts, it’s important to note that you can find the full Medicare Communications and Marketing Guidelines (MCMG) on You can view the Medicare Advantage and Part D Communication Requirements on the Federal Register site. The Federal Register site is straightforward and easy to navigate, so it’s never been easier to brush up on the latest Medicare marketing guidelines and updates!

TPMO Guidelines

The Centers for Medicare & Medicaid Services (CMS) consider agents and brokers third-party marketing organizations (TPMOs), and as such, require you follow certain rules when marketing Medicare Advantage or Prescription Drug plans. These requirements include:

  • Disclose to Health Plan(s) and or Ritter any subcontracted relationships used for marketing, lead generation, and enrollment.
  • Develop a plan and report monthly to the carrier(s) and/or Ritter any staff disciplinary actions or violations of any requirements that apply to the MA plans or Part D plans associated with beneficiary interaction to the MA plans or Part D plans.
  • Use the appropriate TPMO disclaimer (described below) as required under § 422.2267(e)(41) and § 423.2267(e)(41).
  • Record all sales, enrollment and marketing calls (including video calls) with beneficiaries in their entirety. According to the CMS 2024 Final Rule, call recording is limited to marketing (including retention marketing), sales, and enrollment calls. You can record these calls with our convenient CallVault tool within the Ritter Platform!

The TPMO Disclaimer

Agents must add the following TPMO disclaimer to their email communications, website, print materials, other marketing materials, and within the first minute of sales calls. This is a standardized disclaimer and must be used verbatim.

If marketing fewer than all plans within a service area, use:

“We do not offer every plan available in your area. Currently we represent [insert number of organizations] organizations which offer [insert number of plans] products in your area. Please contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.”

If marketing all plans within a service area, use:

“Currently we represent [insert number of organizations] organizations which offer [insert number of plans] products in your area. You can always contact, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) for help with plan choices.”

This disclaimer must also be present when communicating electronically with a beneficiary through email, online chat, or other means of electronic communication.

Here are some other disclaimers you may need on your marketing materials

Call Recording

Agents and brokers must record all sales, marketing (including retention marketing), and enrollment calls (inbound and outbound) in their entirety. Examples include introductory calls to inform or educate clients about Medicare Advantage and Prescription Drug plans, subsequent calls when the beneficiary makes an enrollment decision, and post-enrollment discussions, including retention-marketing calls that influence a beneficiary to stay enrolled in a current plan. Agents do not need to record conversations when meeting with the beneficiary in person.

Wondering how to compliantly record your calls? Ritter makes it easy with CallVault, our proprietary software housed within our Platform that securely records and stores both outbound and inbound marketing, sales, or enrollment calls. Register with Ritter for free today and gain access to this easy-to-use tool and the resources to learn how to use it.

Permission to Contact

Every interaction with a potential client has a starting point. While agents are permitted to make unsolicited direct contact with potential enrollees via email, the email must have an opt-out option in order to remain compliant. Additionally, the content of any unsolicited email cannot intend to steer a recipient into choosing or retaining a plan. A compliant email would promote your services rather than any specific plans.

Agents are still not allowed to approach potential enrollees in common areas, make unsolicited phone calls, or go door to door.

To begin the conversation with potential enrollees, you’ll want to obtain Permission to Contact (PTC). You can use lead providers to send out business reply cards (BRCs) or flyers including an optional form to collect this permission, providing the BRC or flyer complies with all regulatory requirements such as the required disclaimer of the Telephone Consumer Protection Act. In addition, you should note that PTC and BRCs now expire after 12 months or when their purpose has been served. Please note that lead generation entities are now considered TPMOs and must comply with certain requirements.

If you use a third-party lead generation company, you must ensure the third-party lead provider understands and follows these requirement on your behalf:

  • Disclose to the carrier(s) and/or Ritter any subcontracted relationships (such as the use of a third-party lead-generation company) used for marketing, lead generation, and enrollment
  • Report monthly to the carrier(s) and/or Ritter any staff disciplinary actions associated with beneficiary interaction to the plan
  • Disclose to the beneficiary when conducting lead-generating activities that his or her information will be provided to a licensed insurance agent for future contact:
    • Verbally when communicating with a beneficiary through the telephone
    • In writing when communicating with a beneficiary through mail or other paper communication
    • Electronically when communicating with a beneficiary through email, online chat, or other electronic messaging platform

We’ve talked before about the importance of an online presence, but be forewarned, likes or shares on social media do not constitute PTC for sales purposes. Additionally, PTCs are not the same as a Scope of Appointment. The PTC comes first, hopefully followed by an appointment. Ahead of the appointment, you’ll need to obtain a signed Scope of Appointment form from the beneficiary.

Permission to Contact is not the same as Scope of Appointment. Mostly, PTC comes first, then Scope of Appointment next.

While not directly related to PTC, it’s also important to remember: As an agent, you cannot require a beneficiary to provide personal information (e.g., Medicare Beneficiary Identifier, Social Security number, or any required data to perform an eligibility query using CMS systems) to receive carrier plan options. The only exception is that you may ask for the client’s zip code to determine plans offered within their service area. (Our consumer-facing Shop & Enroll plan finder and agent-facing Medicare Quote Engine only require zip codes to get your client’s plan options!)

Scope of Appointment

Scope of Appointment (SOA) means just what it says. It’s a form outlining exactly what you’ll be presenting to a client during a meeting. The SOA ensures that potential enrollees will not be pitched plans other than those they originally requested.

The easiest way to collect an SOA before every appointment is to use your own free Shop & Enroll site.

Every Medicare sales appointment requires an SOA, whether the meeting occurs in person or remotely. Per CMS, agents must keep SOA forms on file for at least 10 years, even if the appointment didn’t end in a sale. The SOA will be valid for 12 months or until it is utilized, and you will need to obtain a new one if the original expires. An SOA is used when an enrollment has occurred or the beneficiary requests to cease further discussions. Agents may use the same SOA in follow-up discussion if the beneficiary wants to take additional time to consider their options after the initial discussion.

You must wait 48 hours between obtaining an SOA from a client and an appointment. Exceptions to this rule include when a beneficiary is four days or less from the end of a valid enrollment period (e.g., Annual Enrollment Period, Open Enrollment Period, Special Enrollment Period, Initial Coverage Election Period) or unscheduled in-person meetings (walk-ins) initiated by the beneficiary.

What happens if your client requests Medicare information outside of the Scope during your meeting? You must fill out a second Scope covering the new information before continuing the meeting. If they’re interested in non-health related products, you must schedule a future appointment to discuss them.

Marketing Rules

CMS also regulates marketing and plan presentations, including when you’re allowed to market, and how you market.

Agents must wait until October 1 to begin marketing next year’s plans to potential beneficiaries and cannot enroll members until October 15.

In the CMS MA & Part D Communication Requirements, CMS differentiates between materials that are considered “non-marketing” and “marketing.” The difference between the two is based on the content and the intent of the piece. Non-marketing pieces tend to be more general, providing non-specific information to prospective and current enrollees. Marketing pieces, however, are aimed to influence beneficiaries in either enrolling into a plan or retaining their existing plan. Marketing materials contain some plan-specific information, such as benefits, premiums, and comparisons to other plans. If marketing plan-specific benefits in print ads, you must include the carrier names in 12-pt font.

All materials are subject to CMS review and approval before you can use them, whereas non-marketing materials are not.

Note: Effective July 10, 2023, Medicare marketing materials that mention any benefits, including widely available ones (e.g., dental, vision, and hearing), are considered marketing and need to be filed with and reviewed by CMS, via HPMS, prior to usage.

During presentations, you should never attempt to mislead your clients, willingly or unwillingly. Stay away from using absolutes and superlatives to describe plans and benefits. Your job is to present information, not show favoritism between carriers or plans. Similarly, if a potential enrollee expresses interest in just one plan, you must inform them that other plans are also available to them. When a client is being enrolled, agents must explain how their current coverage will be affected. Make sure you don’t leave this out when speaking with potential enrollees.

Avoid using absolutes and superlatives to describe Medicare plans and benefits.

CMS puts a large focus on agent transparency. Similar to their rules on absolutes and superlatives, agents should not use the word “free” to describe $0 premiums. CMS also states that the term free should not be used “in conjunction with any reduction in premiums, deductibles or cost share, including Part B premium buy-down, low-income subsidy or dual eligibility.”

While one component of your client’s health care may come at low or no cost, costs could be incurred in other areas. For example, $0-premium plans typically have higher copays, while plans with higher premiums offer lower out-of-pocket cost. By calling a plan “free,” you’re generalizing just one part of the plan’s full package. In fact, those marketing Medicare cannot advertise generalized savings at all when savings are specific to the individual.

When mentioning star ratings, you must convey that plans are evaluated yearly by Medicare and that the ratings are based on a five-star rating system. You may not reference the star rating based on prior contract year data when the marketing materials are for the upcoming year. See our recommended disclaimer below:

“Every year, Medicare evaluates plans based on a five-star rating system.”

Agents must also let potential enrollees know when a plan has been assigned an LPI or Low Performing Icon by CMS. You may not showcase the overall star rating and fail to disclose that the plan has previously suffered from performance issues. Star ratings may not be published until CMS releases them on the Medicare Plan Finder.

Events & Appointments

The types of presentations you host throughout the year typically fall under one of three categories; educational events, sales events, and individual appointments.

Educational events must be advertised as such and be designed to inform Medicare beneficiaries about the parts of Medicare in general. When holding an educational event, you:


  • Distribute educational materials free of plan-specific information
  • Distribute educational health-care materials
  • Answer questions posed by attendees
  • Give out your business card and contact info for beneficiaries to use to initiate contact
  • Hold the event in a public venue (optional, but under no circumstance should events be held in-home or in one-on-one settings)


  • Distribute plan-specific materials or enrollment packets
  • Discuss any carrier-specific plans or benefits or distribute marketing plan materials
  • Display a sign-in sheet
  • Answer questions beyond what attendees ask
  • Schedule future marketing appointments
  • Collect Scopes of Appointment or enrollment forms
  • Give away cash or other monetary rebates
  • Hold a marketing/sales event within 12 hours of an educational event at the same location or adjacent buildings
  • Lead or attempt to lead attendees toward a specific plan or set of plans

Sales events, on the other hand, are designed to steer, or attempt to steer potential enrollees towards a limited set of plans. During a sales event:


  • Use sign-in sheets that are clearly indicated as optional
  • Follow the specific carrier’s filing and reporting procedures prior to the event
  • Follow the specific carrier’s cancellation procedures
  • Make sure to use only carrier-approved materials and talking points
  • Collect SOAs and applications
  • Schedule future appointments
  • Call attendees from a sales event if they gave permission for a follow-up call (you must have documented permission to contact)
  • Give away promotional items or offer refreshments or lights snacks (items must comply with CMS’ nominal gifts ordinances)


  • Offer health screenings
  • Request or accept a referral
  • Give away cash or other monetary rebates
  • Offer meals
  • Make absolute statements
  • Use pressure to sign someone up
  • Cross-sell or promote non-health-related products
  • Require attendees to sign in (sign-in sheets MUST be optional)
  • Require attendees to fill out an SOA or enrollment forms
  • Hold a marketing/sales event within 12 hours of an educational event at the same location or adjacent buildings

Agents are allowed to improvise their delivery of the presentation and content they’d like to cover before accepting an application at a sales appointment. Only “talking points” need to be submitted to CMS by the carriers, allowing agents the freedom to conduct a more interactive sales presentation.

Individual appointments fall under the same category as sales events and the same CMS regulations apply. Don’t forget, whether you’re meeting in person, or discussing plans one-on-one over the phone, you must have an SOA.

Meeting in person or discussing plans one-on-one over the phone requires an SOA.


Consumer-facing websites that promote a specific carrier or a group of carriers’ Medicare Advantage or Part D products must be submitted to CMS for approval. This is typically accomplished through the carriers. You may refer to the specific carrier’s policy regarding website review. CMS has increasingly cracked down on websites in recent years, so it’s important to be sure your website is properly evaluated.

If you’re looking for a simple way to market a website with your own contact information, is a good place to start. It’s a free CMS-accepted website, exclusively developed by Ritter, with a quote engine, direct-enroll buttons, and eScope. Shop & Enroll is integrated with Ritter’s Platform CRM, which enables you to run prescription drug quotes from a client record and look up in-network providers! Learn about getting your own Shop & Enroll site .

Secret Shoppers

Staying compliant should be a year-long objective for every agent. Annual Enrollment is the culmination of revised CMS Medicare Advantage & Part D Communication Requirements, new plans, and all kinds of potential enrollees, some of which could be secret shoppers.

CMS secret shoppers measure quality of service and compliance with Medicare regulations as a way to gather specific information about products and services. These secret shoppers will be looking to make sure you’re compliant, from what you say to how you present it.

● ● ●

As a certified agent, you’re responsible for following CMS guidelines. Compliance doesn’t have to be difficult, but it does require research and due diligence on your part. When in doubt, refer to Ritter for guidance!

Editor’s Note: This was originally published in September 2016. It has been updated to include information relevant to the 2024 Annual Enrollment Period and CMS’ new definition of marketing.

Share Post

Start Selling Under-65 Today!
Ritter Promotion

Related Posts

Like being the first to know? So do we. Join the thousands of independent agents getting the first word from Ritter.

Register with Ritter!