What baseline rules apply to any insurance calling?
Any consumer cold calling must respect the National Do Not Call Registry, TCPA calling-hour limits, and opt-out requests. That means scrubbing lists against the federal DNC Registry and applicable state lists, keeping an internal do-not-call list, honoring opt-outs, and dialing only inside legal local-time windows. See our general DNC and TCPA overview for the framework.
What does Medicare add on top?
Medicare Advantage and Part D marketing is governed by additional federal rules from the Centers for Medicare and Medicaid Services (CMS), which are stricter than general telemarketing rules. These commonly touch how and when you may contact a beneficiary, consent, call recording and retention, and required disclosures. The specifics change over time and are enforced seriously, so Medicare outreach should always run against current CMS guidance, not general telemarketing habits. This is general information, not legal advice.
Why does compliance matter so much in Medicare?
Because the penalties and oversight are real, and a careless calling program can put your agency and your carrier relationships at risk. Medicare is one of the most scrutinized areas of insurance marketing, so the calling process, scripts, recording, and consent handling need to be built for compliance from the start, not bolted on later.
How does Call Savvys approach it?
We build compliant calling workflows, scrub against the National DNC Registry and applicable state lists, and coordinate with your agency compliance process rather than replacing it. For a regulated line like Medicare, we treat your compliance team as the authority on current CMS requirements and build the calling around what they approve. This page is general information, not legal advice, confirm current CMS and state rules for your situation.