Which statement best describes MA/Part D marketing ethics?

• A. Advertising must be truthful, not misleading, and include required disclosures.
• B. Advertising may mislead if it highlights lower costs.
• C. Disclosures are optional.
• D. High-pressure enrollment tactics are allowed.

Answer: (A)

Marketing ethics for MA/Part D focus on advertising that is truthful, not misleading, and accompanied by the required disclosures. This reflects how CMS requires plans to present benefits and costs clearly and accurately, so beneficiaries can compare options fairly and make informed decisions. Advertisements must avoid omitting important details, exaggerating savings, or implying benefits that aren’t guaranteed. They also must include the disclosures mandated by the marketing rules, such as how costs, coverage limitations, and potential plan changes apply. High-pressure enrollment tactics and any misleading claims are not allowed, and disclosures aren’t optional.