CMS MCMG, HPMS, AEP constraints.
1 AI translation · Healthcare / Health PlansUniversal Overlay
MA/Part D marketing is among the most heavily regulated in any industry: CMS Medicare Communications and Marketing Guidelines (MCMG) dictate permitted and prohibited language, required disclaimers, scope of appointment requirements, marketing event rules, and agent/broker supervision. CMS reviews marketing materials (through HPMS). You manage material submission and approval workflows, agent training and monitoring, event compliance, and complaint tracking. Violations result in civil monetary penalties, enrollment sanctions, and compliance actions. The annual enrollment period (AEP) creates an intense marketing window with compressed timelines and heightened compliance scrutiny.