Can’t say this is the  “Best Plan.”

When referring to Medicare Advantage Plans

40.4 – Prohibited Terminology/Statements


You can’t  Use absolute superlatives (e.g., “the best,” “highest ranked,” “rated number 1”) and/or qualified superlatives (e.g., “one of the best,” “among the highest rank”) unless they are substantiated with supporting data provided to CMS as a part of the marketing review processes or they are used in logos/taglines.

If the material is submitted via the File & Use program, the supporting data must be included, along with the materials that use an absolute superlative.

The superlatives used and the data provided must be in context and may not mislead consumers. For example, a Plan/Part D Sponsor that is the only plan in the area that received a 5-star rating in customer service, but received an overall rating of 3 stars, may not promote itself as the highest ranked plan in a service area where other plans have a higher overall rating. 201542 CFR 422.2262, 422.2264, 423.2262, 423.2264, 422.2268(e), 423.2268(e)


30.7 – Prohibited Terminology/Statements

Plans/Sponsors are prohibited from distributing communications that are materially inaccurate, misleading, or otherwise make misrepresentations or could confuse beneficiaries.

Plans/Part D sponsors may not:

 Claim that they are recommended or endorsed by CMS, Medicare, or the Department of Health & Human Services (DHHS);
 Use unsubstantiated absolute or qualified superlatives or pejoratives;
Note: Unsubstantiated absolute and/or qualified superlatives may be used in
 Market that they will not disenroll individuals due to failure to pay premiums; or,
Use the term “free” to describe a zero-dollar premium, reduction in premiums (including Part B buy-down), reduction in deductibles or cost sharing, low-income subsidy (LIS), cost sharing for individuals with dual eligibility.

Note: Medical Savings Account (MSA) plans may not imply that the plan operates as a  supplement to Medicare. 9.2018  *  42 CFR §§ 422.2264, 423.2264, 422.2268(a)(2), 423.2268(a)(2)




Use qualified or absolute superlatives.

EXAMPLE: ”One of the best”, “among the highest ranked” or refer to the plan  you are marketing/selling as “the best, the highest ranked”, “rated number one”, etc.

Compare an Anthem Plan (including Amerigroup and Simply Healthcare) to another Plan by name or inference unless you have written concurrence from all plan sponsors being compared, or using CMS Star rating documents.  

Medicare plans and people who work with Medicare can’t:

  • Charge you a fee to process your enrollment into a plan.
  • Steer you into a particular plan.
  • Communicate incorrect information about their plan type or use inappropriate statements like their plan is “the best” or “highest ranked.” * CA Health Care Advocates  *   Medicare.Gov

Understanding Medicare Advantage Plans
Understanding Medicare Advantage Plans

Insurance Companies get a fee from the Federal Government, when you enroll in one. 
That’s why the premium is very low or ZERO!

Video Understanding Medicare Advantage – Millman

Blue Cross MAPD

Blue Shield MAPD


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