Welcome to our Marketing Guidance Page!

Below you will find information on approved ways to market in a highly regulated industry.

Marketing is considered “steering” a client to a set of insurance plans for Medicare Advantage (MAPD HMO/PPO) and Prescription Drug Plans (PDP) type of plans.

Often we find agents aren’t clear what they CAN do versus what they CAN’T do.

This page is designed to share great Generic and Approved pieces and to give you a little guidance on ways you can increase your exposure in a compliant fashion.

PBS Benefit is committed to compliance, and we are available to review any of your generic marketing material to make sure it “meets the muster” of the CMS regulations.

To submit your materials contact us here: Contact Us

Generic Marketing/Advertising

• Generic in nature
• No specific insurance company
• No benefit information
• Doesn’t need to be filed with MA/PDP plan
• Can include agent information
• Can include A, B, C, D general information

Example generic language:
– Reviewing options
– Many choices
– Annual enrollment periods
– Important to choose wisely

PowerPoint Presentation Example:

Medicare-101

Plan Specific Marketing/Advertising

• Plan and benefit specific
• Branded with company logo, name
• Detailed or light benefit specifics
• Must be filed with CMS for approval (45+ days)
• Can include agent information
• Can include educational, sales information

Example Specific Marketing/Advertising:

– CMS approved permission to contact
– CMS approved flyer with approval code
– CMS approved postcard