Compliance Summary

CMS Disclaimer

This disclaimer appears on every page of our website and in all communications. We are committed to transparency about the scope of plans we can discuss with you.

Permission to Contact (PTC) Policy

We collect explicit Permission to Contact before any marketing or enrollment discussions. Our PTC process includes:

• •Clear consent: Required checkbox acknowledgment on all forms
• •Timestamp capture: All PTC submissions are timestamped for compliance
• •Separate SMS consent: Text message consent is optional and separate from general PTC
• •Secure storage: All PTC records are stored securely with restricted access
• •Revocation rights: Individuals may revoke consent at any time

PTC consent is valid for 9 months from the date provided, after which we will not contact you unless new consent is obtained.

Scope of Appointment (SOA) Policy

Before discussing specific Medicare products, we complete a Scope of Appointment with each individual. Our SOA process includes:

• •Electronic signature: SOAs are signed digitally with full legal validity
• •Product specification: Clear documentation of which Medicare products will be discussed
• •48-hour rule: We strive to complete SOAs within 48 hours of PTC for optimal service
• •Retention period: SOA records are retained for 10 years per CMS requirements
• •Copy provided: Individuals receive a copy of their signed SOA upon request

Call Recording Policy

All consultation calls are recorded for quality assurance and compliance purposes. Our recording policy includes:

• •Advance disclosure: All individuals are informed before the call that it will be recorded
• •Verbal confirmation: Agents verbally confirm recording at the start of each call
• •Secure storage: Recordings are stored in encrypted, access-controlled systems
• •Retention period: Call recordings are retained for 10 years per CMS guidelines
• •Access restrictions: Only authorized compliance and quality assurance personnel can access recordings

Call recordings protect both you and our agents by providing an accurate record of all discussions and recommendations made during your consultation.

Advertising and Marketing Policy

Our marketing materials and communications adhere to CMS advertising regulations:

• •No plan-specific claims: We do not advertise specific plan benefits or steer toward particular plans
• •Truthful representation: All marketing materials accurately represent our services
• •Required disclaimers: CMS disclaimers appear on all materials per regulations
• •No misleading claims: We clearly state that enrollment is optional and individuals can contact Medicare.gov for all options

Data Security and Access Controls

We maintain strict security measures to protect personal and health information:

• •Encryption: All sensitive data is encrypted in transit and at rest
• •Access controls: Role-based access ensures only authorized personnel can view PTC, SOA, and call recordings
• •Audit trails: All access to sensitive records is logged and monitored
• •Agent training: All agents complete CMS compliance training and annual recertification
• •Regular audits: We conduct quarterly compliance audits to ensure adherence to all policies