Do's and Don'ts of Medicare Compliance (2024)

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.

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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!

Read about the Medicare Advantage and Part D compliance changes coming for 2024

Review CMS’ new definition of marketing and how it affects agents selling Medicare plans

TPMO Guidelines

Recently, the Centers for Medicaid & Medicaid Services (CMS) created new requirements for agents and brokers, now considered third-party marketing organizations (TPMOs). Agents and brokers must record all calls (inbound and outbound calls) in their entirety, including 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’s to stay enrolled in a current plan. Agents do not need to record conversation when meeting with the beneficiary in person. In addition, agents and brokers must comply with the other TPMO requirements 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.
  • Report to Health Plan(s) and or Ritter monthly any staff disciplinary actions or violations of any requirements that apply to the MA Plans or PDP Plans associated with beneficiary interaction to the MA Plan or PDP Plan.
  • Use the appropriate TPMO disclaimer (described below) as required under § 422.2267(e)(41) and § 423.2267(e)(41).

Additionally, 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 communication.

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

Our Call Recording Solution

RIMdev, our in-house development team, created CallVault to securely record and store outbound marketing calls from a client’s record in the Ritter Platform, as well as any inbound calls received to your own unique phone number. You can start preparing by loading phone numbers for all of your clients who will receive benefit reviews into the Clients tab of the Platform.

Every interaction with a potential client has a starting point. Due to a change reflected in the 2019 MCMG and now in the Medicare Advantage & Part D Communication Requirements, agents are permitted to make unsolicited direct contact with potential enrollees via email. However, 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 or make unsolicited phone calls.

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. 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 Ritter and or carriers any subcontracted relationships (such as the use of a third-party lead-generation company) used for marketing, lead generation, and enrollment
  • Report to Ritter and or carriers monthly 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. At that time, you’ll need to fill out the appropriate Scope of Appointment form.

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 Medicareful plan finder and agent-facing Medicare Quote Engine only requires 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 Medicareful site.

Every Medicare sales appointment requires a Scope of Appointment, whether the meeting occurs face to face 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.

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 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. These materials are subject to CMS review, 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), will be considered marketing and will 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.

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.

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
  • Give out your business card and contact info for beneficiaries to use to initiate contact
  • Collect Scopes of Appointment
  • Hold the event in a public venue (optional, but under no circumstance should events be held in-home or in one-on-one settings)
  • Schedule future marketing appointments


  • Distribute plan-specific materials or enrollment packets
  • Discuss any carrier-specific plans or benefits or distribute marketing plan materials
  • Display a sign-in sheet

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:


  • 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
  • Collect applications
  • Call attendees from a sales event if they gave permission for a follow-up call (you must have documented permission to contact)


  • 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)

Agents are permitted to schedule and hold a sales event immediately following an educational event. The attendees must be made aware of a change from educational event to marketing event and given the opportunity to leave prior to the event beginning. Additionally, 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. Now 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 face to face, or discussing plans one-on-one over the phone, you must have an SOA.

Meeting face to face or discussing plans one-on-one over the phone requires an SOA.

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.


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. Medicareful 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 Medicareful site .

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!

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Editor’s Note: This was originally published in September 2016. It has been updated to include information relevant to the 2023 Annual Enrollment Period and CMS’ new definition of marketing.

Do's and Don'ts of Medicare Compliance (2024)
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