Medicare Plan Availability & TPMO Disclosure
Required Notice Under 42 C.F.R. §§ 422.2267 / 423.2267
Contract Year 2026 | Effective September 30, 2025
IMPLEMENTATION NOTES FOR WEB TEAM
This file contains two components:
- The TPMO Disclaimer Block — A short, CMS-required statement that must appear on every Medicare marketing page, in every marketing email to beneficiaries, and on all print/digital marketing materials that meet the CMS definition of “marketing.” This must be placed prominently — not buried in a footer — on the
/medicare/page,/medicare-annual-enrollment-period/page, and any other page discussing Medicare Advantage plan benefits, costs, or enrollment. - The Full Disclosure Page — A complete standalone page at a URL such as
/medicare-plan-disclosure/that provides the full TPMO context, language assistance information, and contact resources. The short disclaimer block on marketing pages should link to this page.
CRITICAL: Before publishing, replace
10with the actual count of individual Medicare Advantage and Part D plans (not organizations) that Nivano Physicians represents in each beneficiary’s service area. The organization count is 3 (Aetna, Alignment Health Plan, Imperial Health Plan) but the plan count varies by county and must be calculated per service area.
COMPONENT 1 — Short TPMO Disclaimer Block
(Embed this on every Medicare marketing page — above the fold or adjacent to any plan benefit discussion)
IMPORTANT MEDICARE NOTICE
We do not offer every plan available in your area. Currently we represent 3 organizations which offer 10 products in your area. Please contact Medicare.gov, 1-800-MEDICARE (1-800-633-4227), or your local State Health Insurance Program (SHIP) to get information on all of your options.
TTY users: 1-877-486-2048
Language assistance services and appropriate auxiliary aids and services are available free of charge. To request an interpreter or other language assistance, call (916) 407-2000.
Nivano Physicians is not connected to or endorsed by the U.S. government or the federal Medicare program. Licensed insurance agents are available to assist you at (916) 407-2000 ext. 82512.
COMPONENT 2 — Full TPMO Disclosure Page
Medicare Plan Availability Disclosure
Nivano Physicians, Inc. — Northern California
Contract Year 2026 | Updated: March 11, 2026
About Our Medicare Plan Representation
Nivano Physicians works with licensed insurance agents to help Medicare-eligible individuals in Northern California understand their Medicare Advantage coverage options within our physician network.
We do not offer every Medicare Advantage or Part D plan available in your area.
Currently, Nivano Physicians represents the following 3 organizations:
- Aetna
- Alignment Health Plan
- Imperial Health Plan of California
These organizations offer a combined total of 10 Medicare Advantage products in our service area counties (Alameda, Butte, Contra Costa, El Dorado, Nevada, Placer, Sacramento, Santa Clara, Sutter, Yolo, and Yuba Counties).
Not all plans are available in every county. Plan availability, benefits, costs, and networks vary by location.
Your Right to Explore All Options
You are not limited to the plans we represent. To get complete information about all Medicare options available in your area, use the following free resources:
| Resource | How to Access |
|---|---|
| Medicare.gov Plan Finder | www.medicare.gov |
| 1-800-MEDICARE | 1-800-633-4227 (24/7) |
| TTY | 1-877-486-2048 |
| California SHIP (HICAP) | 1-800-434-0222 |
| California HICAP Online | www.aging.ca.gov/hicap |
The State Health Insurance Assistance Program (SHIP) — known as HICAP in California — provides free, unbiased, one-on-one Medicare counseling. SHIP counselors do not sell insurance and can help you compare all plans available in your area.
Government Affiliation Disclaimer
Nivano Physicians is an Independent Physician Association (IPA). We are not connected to, endorsed by, or affiliated with the United States government, the federal Medicare program, or the Centers for Medicare & Medicaid Services (CMS).
Our licensed insurance agents are independent agents contracted to assist with Medicare Advantage enrollment. We are compensated for enrollment assistance. Our agents are required by law to recommend plans that best meet your individual needs, regardless of compensation.
Language Assistance Services
Free language assistance services and auxiliary aids are available to you at no charge.
If you need information about Medicare plan options in a language other than English, or if you require accommodations due to a disability, please contact us:
- Phone: (916) 407-2000 (ask for interpreter services)
- Medicare Hotline: (916) 407-2000 ext. 82512
We provide interpreter services in the following languages and more:
Spanish · Chinese (Mandarin/Cantonese) · Vietnamese · Korean · Tagalog · Russian · Arabic · Hmong · Japanese · Thai · Punjabi · Cambodian · Laotian · Hindi · Persian
Auxiliary aids for individuals with disabilities, including American Sign Language interpretation, are also available upon request.
Taglines — Language Assistance Available
The following taglines inform individuals in California’s threshold languages that free language assistance is available:
Spanish: Este aviso contiene información importante sobre sus opciones de cobertura de Medicare. Para obtener este aviso en español u obtener ayuda de un intérprete, llame al (916) 407-2000.
Chinese (Traditional): 本通知包含有關您的醫療保險承保選項的重要資訊。如需以繁體中文取得本通知或獲得口譯員協助，請致電 (916) 407-2000。
Vietnamese: Thông báo này chứa thông tin quan trọng về các lựa chọn bảo hiểm Medicare của bạn. Để nhận thông báo này bằng tiếng Việt hoặc được hỗ trợ phiên dịch, hãy gọi (916) 407-2000.
Korean: 이 공지에는 귀하의 메디케어 보장 옵션에 관한 중요한 정보가 포함되어 있습니다. 한국어로 이 공지를 받거나 통역 서비스를 이용하시려면 (916) 407-2000으로 전화하십시오.
Tagalog: Ang abisong ito ay naglalaman ng mahalagang impormasyon tungkol sa iyong mga opsyon sa saklaw ng Medicare. Para makuha ang abisong ito sa Tagalog o para sa tulong ng interpreter, tumawag sa (916) 407-2000.
Note: The remaining 10 California threshold language taglines (Russian, Arabic, Hmong, Japanese, Thai, Punjabi, Cambodian, Laotian, Hindi, Persian) must be added here in their native scripts. These require professional translation — coordinate with a certified medical translator before publication.
CMS Material Approval
Marketing materials that reference specific Medicare Advantage plan benefits (dental, vision, fitness programs, premium amounts, etc.) must be reviewed and approved by the applicable Medicare Advantage carrier prior to publication and, where required, filed with CMS through the Health Plan Management System (HPMS).
All plan-specific benefit claims on this website have been reviewed and approved by Aetna Medicare, Alignment Health Plan, and Imperial Health Plan of California prior to publication.
Web team note: This carrier approval statement should appear only on pages describing specific plan benefits. Pages with general eligibility information only do not require it. Confirm approval status with each carrier compliance contact for each applicable page.
Annual Update Requirement
CMS updates Medicare Communications and Marketing Guidelines (MCMG) annually. TPMO disclaimer language, plan and organization counts, and Language Assistance Notice requirements are updated each contract year, effective September 30.
This page was last reviewed and updated: March 11, 2026
Next required review: September 30, 2026
Contact Our Licensed Insurance Agents
Our licensed insurance agents can help you understand the Medicare Advantage plans available through our network and answer questions about enrollment.
Medicare Hotline: (916) 407-2000 ext. 82512
Hours: Mon: 8:00am–10:00am, 1:00pm–4:30pm / Tue–Fri: 8:00am–12:00pm, 1:00pm–4:30pm
You can also find complete, unbiased Medicare information at www.medicare.gov or by calling 1-800-MEDICARE at any time.
This disclosure is provided in compliance with 42 C.F.R. §§ 422.2267 and 423.2267 and the CY 2026 Medicare Advantage and Part D Final Rule (90 FR 24532). Nivano Physicians, Inc. | 2554 Millcreek Dr., Suite 100, Sacramento, CA 95833 | (916) 407-2000