[Title 42 CFR 422.80]
[Code of Federal Regulations (annual edition) - October 1, 2007 Edition]
[Title 42 - PUBLIC HEALTH]
[Chapter IV - CENTERS FOR MEDICARE]
[Subchapter A - GENERAL PROVISIONS]
[Part 422 - MEDICARE ADVANTAGE PROGRAM]
[Subpart B - Eligibility, Election, and Enrollment]
[Sec. 422.80 - Approval of marketing materials and election forms.]
[From the U.S. Government Printing Office]
42PUBLIC HEALTH32007-10-012007-10-01falseApproval of marketing materials and election forms.422.80Sec. 422.80PUBLIC HEALTHCENTERS FOR MEDICAREGENERAL PROVISIONSMEDICARE ADVANTAGE PROGRAMEligibility, Election, and Enrollment
Sec. 422.80 Approval of marketing materials and election forms.
(a) CMS review of marketing materials. (1) Except as provided in
paragraph (a)(2) of this section, an MA organization may not distribute
any marketing materials (as defined in paragraph (b) of this section ),
or election forms, or make such materials or forms available to
individuals eligible to elect an MA organization unless--
(i) At least 45 days (or 10 days if using marketing materials that
use, without modification, proposed model language as specified by CMS)
before the date of distribution the MA organization has submitted the
material or form to CMS for review under the guidelines in paragraph
(c); and
(ii) CMS does not disapprove the distribution of new material or
form.
(2) The MA organization may distribute the marketing materials 5
days following their submission to CMS if--
(i) The MA organization is deemed by CMS to meet certain performance
requirements established by CMS; or
(ii) The MA organization certifies that in the case of certain
marketing materials designated by CMS, it followed all applicable
marketing guidelines or used model language specified by CMS without
modification.
(b) Definition of marketing materials. Marketing materials include
any informational materials targeted to Medicare beneficiaries which:
(1) Promote the MA organization, or any MA plan offered by the MA
organization;
(2) Inform Medicare beneficiaries that they may enroll, or remain
enrolled in, an MA plan offered by the MA organization;
(3) Explain the benefits of enrollment in an MA plan, or rules that
apply to enrollees;
(4) Explain how Medicare services are covered under an MA plan,
including conditions that apply to such coverage;
(5) Examples of marketing materials include, but are not limited to:
(i) General audience materials such as general circulation
brochures, newspapers, magazines, television, radio, billboards, yellow
pages, or the internet.
(ii) Marketing representative materials such as scripts or outlines
for telemarketing or other presentations.
(iii) Presentation materials such as slides and charts.
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(iv) Promotional materials such as brochures or leaflets, including
materials for circulation by third parties (e.g., physicians or other
providers).
(v) Membership communication materials such as membership rules,
subscriber agreements (evidence of coverage), member handbooks and
wallet card instructions to enrollees.
(vi) Letters to members about contractual changes; changes in
providers, premiums, benefits, plan procedures etc.
(vii) Membership or claims processing activities (e.g., materials on
rules involving non-payment of premiums, confirmation of enrollment or
disenrollment, or annual notification information).
(c) Guidelines for CMS review. In reviewing marketing material or
election forms under paragraph (a) of this section, CMS determines that
the marketing materials:
(1) Provide, in a format (and, where appropriate, print size), and
using standard terminology that may be specified by CMS, the following
information to Medicare beneficiaries interested in enrolling:
(i) Adequate written description of rules (including any limitations
on the providers from whom services can be obtained), procedures, basic
benefits and services, and fees and other charges.
(ii) Adequate written description of any supplemental benefits and
services.
(iii) Adequate written explanation of the grievance and appeals
process, including differences between the two, and when it is
appropriate to use each.
(iv) Any other information necessary to enable beneficiaries to make
an informed decision about enrollment.
(2) Notify the general public of its enrollment period (whether
time-limited or continuous) in an appropriate manner, through
appropriate media, throughout its service and continuation area.
(3) Include in the written materials notice that the MA organization
is authorized by law to refuse to renew its contract with CMS, that CMS
also may refuse to renew the contract, and that termination or non-
renewal may result in termination of the beneficiary's enrollment in the
plan.
(4) Are not materially inaccurate or misleading or otherwise make
material misreprepresentations.
(5) For markets with a significant non-English speaking population,
provide materials in the language of these individuals.
(d) Deemed approval (one-stop shopping). If CMS has not disapproved
the distribution of marketing materials or forms submitted by an MA
organization with respect to an MA plan in an area, CMS is deemed not to
have disapproved the distribution in all other areas covered by the MA
plan and organization except with regard to any portion of the material
or form that is specific to the particular area.
(e) Standards for MA organization marketing. (1) In conducting
marketing activities, MA organizations may not:
(i) Provide for cash or other monetary rebates as an inducement for
enrollment or otherwise. This does not prohibit explanation of any
legitimate benefits the beneficiary might obtain as an enrollee of the
MA plan, such as eligibility to enroll in a supplemental benefit plan
that covers deductibles and coinsurance, or preventive services.
(ii) Engage in any discriminatory activity, including targeted
marketing to Medicare beneficiaries from higher income areas without
making comparable efforts to enroll Medicare beneficiaries from lower
income areas.
(iii) Solicit Medicare beneficiaries door-to-door.
(iv) Engage in activities that could mislead or confuse Medicare
beneficiaries, or misrepresent the MA organization. The MA organization
may not claim it is recommended or endorsed by CMS or Medicare or the
Department of Health and Human Services or that CMS or Medicare or the
Department of Health and Human Services recommends that the beneficiary
enroll in the MA plan. It may, however, explain that the organization is
approved for participation in Medicare.
(v) Distribute marketing materials for which, before expiration of
the 45-day period (or 10 days as provided in paragraph (a)(1) of this
section), the MA organization receives from CMS written notice of
disapproval because it
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is inaccurate or misleading, or misrepresents the MA organization, its
marketing representatives, or CMS.
(vi) Use providers or provider groups to distribute printed
information comparing the benefits of different health plans unless the
materials have the concurrence of all MA organizations involved and have
received prior approval by CMS. Physicians or providers may distribute
health plan brochures (exclusive of application forms) at a health fair
or in their offices. Physicians may discuss, in response to an
individual patient's inquiry, the various benefits in different health
plans.
(vii) Accept plan applications in provider offices or other places
where health care is delivered.
(viii) Employ MA plan names that suggest that a plan is not
available to all Medicare beneficiaries. This prohibition shall not
apply to MA plan names in effect on July 31, 2000.
(ix) Engage in any other marketing activity prohibited by CMS in its
marketing guidance.
(2) In its marketing, the MA organization must:
(i) Demonstrate to CMS's satisfaction that marketing resources are
allocated to marketing to the disabled Medicare population as well as
beneficiaries age 65 and over.
(ii) Establish and maintain a system for confirming that enrolled
beneficiaries have in fact, enrolled in the MA plan, and understand the
rules applicable under the plan.
(f) Employer group retiree marketing. MA organizations may develop
marketing materials designed for members of an employer group who are
eligible for employer-sponsored benefits through the MA organization,
and furnish these materials only to the group members. While the
materials must be submitted for approval under paragraph (a) of this
section, CMS will not review portions of these materials that relate to
employer group benefits.
[63 FR 35071, June 26, 1998; 63 FR 52612, Oct. 1, 1998, as amended at 65
FR 40318, June 29, 2000; 67 FR 13288, Mar. 22, 2002; 70 FR 4719, Jan.
28, 2005]