Advertising shall be truthful and may not be misleading in fact or implication. Advertising may not use words or phrases whose: Meaning is unclear or ambiguous; or Understanding depends upon familiarity with technical terminology. Advertising may not include words, phrases, or illustrations that are used in a manner which misleads or has the capacity or tendency to deceive or mislead. All advertising shall contain the name and address of the HMO as filed with the Commissioner.