TPMOs are entities like agencies, agents, and brokers that contract with Medicare plans to sell their products. TPMOs must follow the MMG, which requires them to record all sales calls, use CMS-approved materials and ads, report agent disciplinary actions to plans, and obtain consent to call leads.
Medicare Marketing Guidelines
Navigate the requirements, prohibitions, and penalties to ensure compliant marketing practices with Medicare beneficiaries with our Medicare Marketing Guidelines.
Get carepatron free
Commonly asked questions
The MMG distinguishes between educational events, where plans provide objective information on Medicare/health care benefits without promoting a specific plan, and marketing/sales events that steer beneficiaries to a particular plan. Marketing events have more restrictions - plans can't offer meals or conduct health screenings. Educational events must be advertised as such and not include enrollment forms.
Plans, providers, and agents that violate the MMG can face serious penalties from CMS, including civil money penalties, intermediate sanctions, termination of contracts, exclusion from Medicare programs, and legal action for deceptive practices. Under the Telemarketing Sales Rule, fines can reach $51,744 per violation.
