2025 CMS Guidelines Built-In

Stop worrying about $10,000 CMS fines

Instantly scan your website, emails, flyers & social posts for CMS Medicare marketing violations. Built specifically for independent Medicare agents and small brokerages.

Takes 30 seconds · No credit card required

The Problem

CMS doesn't care if you "didn't know"

Medicare marketing rules are 200+ pages, change every year, and a single violation can cost you everything.

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Secret Shoppers Are Testing You

CMS uses undercover testers to catch agents violating marketing rules. They're calling your number, checking your website, reviewing your social posts right now.

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$10,000–$100,000+ Per Violation

Civil Money Penalties add up fast. One bad flyer, one wrong phrase on your website, one email without the TPMO disclaimer — each is a separate violation.

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Rules Change Every October

What was compliant last year might not be this year. CMS updates Medicare Marketing Guidelines annually. Are you sure your materials are current?

Who Is This For?

Built specifically for independent Medicare agents

✅ Independent Medicare Agents

You create your own website, flyers, and social posts. You need a fast way to check compliance without paying $200/hr for a consultant.

✅ Small Medicare Brokerages

You have 2-10 agents creating marketing materials. You need to review their content before it goes live.

✅ Final Expense Agents Adding Medicare

You're cross-selling Medicare. CMS rules are different from everything you know. One wrong word = lost certification.

❌ Large carriers with compliance departments

You already have a team reviewing materials. This isn't for you.

❌ Agents using ONLY FMO templates

If you never create custom content, you may not need this. But most agents do.

❌ P&C or Life-only agents

This tool is specifically for Medicare Advantage and Part D marketing rules.

How It Works

Your first line of defense against CMS violations

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Paste Any Marketing Content

Website copy, flyers, emails, social media posts, mailers — paste your content and get instant compliance feedback based on current CMS Medicare Marketing Guidelines.

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Prohibited Terms Scanner

Automatically flags terms CMS prohibits: "free," "Medicare Expert," "limited time," government endorsement claims, and dozens more. Get compliant alternatives suggested.

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TPMO Disclaimer Checker

Verifies your required TPMO disclaimer is present, word-for-word correct, and properly displayed on all marketing materials. No more guessing.

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AEP Timeline Alerts

Get reminders for key dates: October 1 (marketing start), October 15 (enrollment start), December 7 (AEP end). Never jump the gun on plan-year marketing.

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Annual Rules Updates

We update our scanner when CMS releases new guidelines each year. Your compliance checks always reflect the current rules — not last year's.

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Compliance Report

Get a downloadable report for each scan showing what passed, what failed, and exactly how to fix it. Great for keeping records and training staff.

See It In Action

Scan any marketing content in seconds

Here's what happens when you paste a typical Medicare marketing email into MedicareGuard:

❌ VIOLATION: "FREE Medicare consultation" — Cannot use "free" to describe plan benefits

❌ VIOLATION: "Medicare Expert John Smith" — Cannot use "Expert" in agent titles

⚠️ WARNING: "Limited time offer" — Creates sense of urgency (prohibited)

❌ VIOLATION: Missing required TPMO disclaimer

✓ PASS: No government endorsement claims detected

✓ PASS: No CMS logo usage detected

Compliance Score: 2/6 checks passed — Not Ready to Publish

Real Violations We Catch

Common mistakes that trigger CMS enforcement

❌ Prohibited Term

"Medicare Expert" in email signature

CMS prohibits agents from using "Expert," "Specialist," or "Agent" with Medicare in their titles. This appears on thousands of agent websites.

❌ Missing Disclaimer

No TPMO disclaimer on website

Every marketing material must include the required TPMO disclaimer verbatim. Missing it on even one page is a separate violation.

❌ Urgency Language

"Limited time offer" on flyer

CMS prohibits language that creates urgency or pressure. "Act now," "Don't miss out," and similar phrases are all violations.

Source: CMS Medicare Communications and Marketing Guidelines (MCMG)

Pricing

Cheaper than a single CMS fine

Simple pricing. Cancel anytime. Way less than the $10,000+ you'd pay for one violation.

Solo Agent

$39 /month

Unlimited content scans
Prohibited terms detection
TPMO disclaimer checker
AEP timeline alerts
Annual rules updates
Email support

Agency

$149 /month

Everything in Solo, plus:
Up to 10 agent seats
Team compliance dashboard
Bulk content scanning
Downloadable compliance reports
Priority support
Onboarding call

What We Check

CMS Medicare Marketing Guidelines coverage

🚫 Prohibited Terms

✓ "Free" when describing benefits
✓ "Medicare Expert/Specialist/Agent"
✓ Urgency language ("limited time")
✓ Government endorsement claims

📋 Required Elements

✓ TPMO disclaimer present & correct
✓ Plan name accuracy
✓ Contact information displayed
✓ Proper benefit descriptions

⏰ Timing Rules

✓ Plan-year marketing dates
✓ AEP enrollment windows
✓ SEP marketing restrictions
✓ Cross-selling timeframes

FAQ

Common questions

What about FMO-provided templates?

FMOs like Ritter and PSM provide CMS-approved templates, which are great. But they don't cover your custom content — your website, social media, emails, and flyers you create yourself. That's where MedicareGuard comes in.

Can't I just use ChatGPT for compliance?

ChatGPT doesn't know the current CMS guidelines — they change every year. Our scanner is updated annually when CMS releases new rules, so you're always checking against the current requirements, not outdated information.

What exactly does the AI scan for?

We scan for: prohibited terms (like "free," "expert," urgency language), missing TPMO disclaimers, government endorsement implications, timing violations, and more — all based on the CMS Medicare Communications and Marketing Guidelines.

Will this replace my compliance officer?

No — think of us as your first line of defense. We catch the obvious violations instantly so you don't waste time or money on avoidable mistakes. For complex situations, you'll still want to consult your FMO or a compliance professional.

How often are the rules updated?

CMS typically releases updated Medicare Marketing Guidelines each fall for the following plan year. We update our scanner within 30 days of any new guidance being published.