A third-party marketing organization (TPMO) that markets Medicare Advantage or Part D plans is required to:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under CMS marketing rules, third-party marketing organizations (TPMOs) and agents must include a prescribed disclaimer in their marketing communications stating that the caller or organization is not affiliated with or endorsed by the federal Medicare program. This disclosure prevents beneficiaries from being misled into believing a private marketer is part of the government. The mandatory disclaimer is a central CMS compliance requirement for TPMO marketing, and it applies to telephone calls, websites, and written materials. Option A correctly states the requirement.
Why the other options are wrong
- B) TPMOs market Medicare Advantage and Part D plans broadly; they are not limited to selling Original Medicare supplement (Medigap) plans. TPMOs handle MA and Part D marketing across many carriers, not just Medigap sales.
- C) Beneficiaries may not be charged a fee for plan comparison or enrollment; CMS marketing rules prohibit TPMOs from charging beneficiaries for their services. Charging beneficiaries for comparison services is expressly barred by CMS rules.
- D) Premium collection for CMS is not a TPMO function; beneficiaries pay plan premiums directly to the plan, not through marketing organizations. Premiums flow directly to the insurer; TPMOs never collect them for CMS.
Memory hook
TPMO disclaimer = 'We are not Medicare.' The fine print protects the confused and the elderly.