TPMO disclaimer
Also called: TPMO, third-party marketing organization, Medicare TPMO disclaimer
A TPMO disclaimer is the statement CMS requires third-party marketing organizations (independent agents, brokers, agencies and lead generators that market Medicare plans on behalf of carriers) to include in their Medicare marketing.
The disclaimer tells the reader that the agency doesn't offer every plan available in their area and points them to official sources of Medicare information. The exact wording and where it must appear (websites, ads, calls) are set by CMS and change over time.
For an agency, the practical work is making sure every channel carries the current version: website footers, landing pages, emails, text messages and the opening of sales calls.
Missing or outdated disclaimers are an easy compliance finding to avoid. Templates in the CRM keep them consistent.
"The TPMO disclaimer is in our website footer, our landing pages and the first minute of every sales call."
Where does a TPMO disclaimer need to appear for an insurance agency?
CMS sets where the disclaimer is required, and the rules have covered websites, marketing materials and calls. Use the current CMS wording and confirm placement with your carriers. General information, not legal advice.
General information, not legal advice. Rules change; check current CMS, FCC and carrier guidance.