All Medicare Supplement advertisements must be submitted for approval to which official?

• A. The Federal Trade Commission
• B. The Insurance Company executive board
• C. The Secretary of Health and Human Services
• D. The Commissioner

Answer: (D)

Medicare Supplement ads are regulated at the state level by the Insurance Department, and materials must be filed with and approved by the Insurance Commissioner before they can be used. This preapproval helps ensure the messaging is truthful, non-misleading, and compliant with Medigap advertising rules. The Federal Trade Commission handles general advertising law, but not the specific preapproval of insurance marketing in most states. An insurer’s executive board isn’t the regulatory authority, and the Secretary of Health and Human Services doesn’t review advertisements. Therefore, the official responsible for approving Medicare Supplement advertising is the Commissioner.