What CMS Requires Agents to Discuss Prior to Medicare Enrollments

In this episode we review key CMS regulations agents must follow to stay compliant during Medicare sales. Bonus? These steps also help educate and inform your clients!   Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: Fact vs. Fiction: Examining the Medicare Part B Premium Giveback Formularies & Covered Drugs – Knight School Training How to Check Medicare Extra Help Eligibility for Your Client How to Help Clients Avoid Medicare Late Enrollment Penalties How to Help Your Clients Get the Most Out of Their Medicare Advantage Plans Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them MA & PDP Compliant Sales Checklist PDF Download SNPs: The Secret to Surviving Lock-in The 2026 Medicare Part D Redesign Updates Agents Should Know The Beginner’s Guide to C-SNPs The Beginner’s Guide to D-SNPs The Difference Between Medicare & Medicaid: What That Means for Insurance Agents What Agents Can’t Say During Medicare Sales Appointments What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales   References: “Agent and Broker Training & Testing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/cy2025-agent-broker-training-testing-guidelines.pdf. Accessed 14 Oct 2025. “Agent and Broker Training & Testing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/cy2026agentbrokertrainingtestingguidelinespdf.pdf. Accessed 15 Oct. 2025. “Costs.” Medicare, www.medicare.gov/basics/costs/medicare-costs. Accessed 14 Oct. 2025. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. Accessed 14 Oct. 2025. “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 15 Oct. 2025. “Emergency Department Services.” Medicare.Gov, Medicare, www.medicare.gov/coverage/emergency-department-services. Accessed 14 Oct. 2025. “Medicare Communications and Marketing Guidelines (MCMG) Date: 02/09/2022.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/medicare-communications-marketing-guidelines-2-9-2022.pdf. Accessed 14 Oct. 2025. Seladi-Schulman, Jill. “Medicare IRMAA: What Is It and When Does It Apply?” Healthline, Healthline Media, 22 Apr. 2025, www.healthline.com/health/medicare/what-is-irmaa. “Medicare and Medicaid Programs; CY 2025 Payment Policies Under the Physician Fee Schedule and Other Changes to Part B Payment and Coverage Policies; Medicare Shared Savings Program Requirements; Medicare Prescription Drug Inflation Rebate Program; and Medicare Overpayments.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2024/07/31/2024-14828/medicare-and-medicaid-programs-cy-2025-payment-policies-under-the-physician-fee-schedule-and-other. Accessed 14 Oct. 2025. “Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” FederalRegister.Gov, Federal Register, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare. Accessed 15 Oct. 2025. “Out-of-Pocket Maximum/Limit.” HealthCare.Gov, www.healthcare.gov/glossary/out-of-pocket-maximum-limit/. Accessed 14 Oct. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.