Unsolicited Contact, Lead Management and Lead Referral Process Policy and Procedures


Unsolicited Contact

The Centers for Medicare & Medicaid Services (CMS) prohibits making unsolicited contact with consumers. Consumers must grant permission for agents to reach out to them with regard to Medicare Advantage (MA) or Prescription Drug Plans (PDP). Some examples of unsolicited contact include, but are not limited to, door-to-door solicitation and telephonic or e-mail solicitation without permission to contact. Agents shall not contact consumers about MA or PDP without procuring a permission to contact.

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Lead Management

Agents are responsible for ensuring that if they use a lead generation company, the leads are obtained in a manner that is compliant with CMS regulations and respective plan sponsor(s) policies. Agents may not accept MA or PDP leads resulting from an unsolicited contact made by a third party to a consumer. Agents are responsible to ensure MA or PDP leads purchased have the required permission to call documented.

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Lead Referral

Agents may not ask a beneficiary for referrals. Agents, however, may give their business card to a beneficiary if the beneficiary would like to refer a friend or relative to the agent. In all cases, a referred individual needs to contact the agent directly.

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TMS Extras

When you’re searching for an FMO or a general agency, you want to know that you are being supported.  Here are just a few of the things you can expect from TMS.

Discounted E&O

Our group E&O program offers the lowest rates we’ve seen for non-captive agents. Protect your business with this value-added program from TMS.

Contracting Support

Our contracting team is here to support you in getting contracted and appointed with our many carriers.  You will not feel alone.

Medicare Insurance Direct

Your FREE personalized consumer-facing quoting and enrollment URL.

Agent Development

We have an exclusive 10 hour self study training program as well as several hours of videos to help you become an expert on Medicare.

On-Going Training

We do regular webinars to keep our agents engaged and to make sure that you are writing as much business as you would like to be.

Quoting and Enrollment Website

We give you access to our online quoting and enrollment tools.  You can quote several companies and enroll clients, all from one website.