What responsibilities do agents have when marketing MA/Part D plans to consumers?

• A. Provide accurate information, disclose marketing incentives, avoid misrepresentation or pressure, and ensure compliance with CMS marketing guidelines
• B. Provide only premium information
• C. Coerce customers into plans
• D. Avoid answering questions

Answer: (A)

When marketing MA/Part D plans, agents must present truthful, complete information and follow CMS rules. This means they provide accurate details about plan benefits, costs, and coverage, and they disclose any marketing incentives or compensation that could influence the consumer’s decision. They must avoid misrepresentation, exaggeration, or high-pressure tactics, ensuring the consumer can make an informed choice using CMS-approved materials and guidelines. This combination protects the consumer, supports fair comparison, and keeps marketing compliant with federal rules.

Suggesting only premium information misses important cost and benefit details; coercing customers is not allowed; and avoiding questions prevents a proper understanding of the plan.