What is required before using any advertising material for WellCare plans?

• A. Pre-approval from CMS and the plan.
• B. Client consent.
• C. Insurance license.
• D. A marketing award.

Answer: (A)

Advertising WellCare plans must be reviewed and approved before use. The essential step is obtaining pre-approval from both CMS and the plan. This review guarantees the material follows federal marketing rules for Medicare products, presents benefits and costs accurately, includes all required disclosures, and avoids misleading or false statements. The plan’s marketing team handles the initial review, and, for certain types of ads, CMS approval is required before distribution to beneficiaries.

This isn’t about a client’s consent or having a license on hand—the licensing is separate, and consent isn’t the trigger for approving advertising. A marketing award isn’t relevant to whether materials can be used. The key requirement is the coordinated pre-approval process from CMS and the plan.