According to CMS regulations, what must agents ensure before contacting a consumer?

Obtaining explicit consent before contacting a consumer is essential to comply with CMS (Centers for Medicare & Medicaid Services) regulations. This requirement aims to protect consumer rights and privacy, ensuring that individuals are aware of and agree to being contacted for discussions related to healthcare plans or services. Explicit consent means that a consumer has clearly and affirmatively agreed to receive information, making it a critical step for agents to engage responsibly and ethically with prospects.

Other options, while possibly relevant in some contexts, do not align with the specific requirement outlined by CMS. Speaking to a consumer twice does not guarantee that consent has been secured. Researching a consumer's history may help agents tailor their approach but does not replace the necessity of obtaining explicit consent. Lastly, referencing prior communications may provide context for the conversation but does not serve as a substitute for the necessary consent that establishes permission to reach out. Thus, focusing on obtaining explicit consent is the most direct way to ensure compliance with regulatory standards.