32 min read insurance
D-SNP, C-SNP and I-SNP Agent Guide: Eligibility and Enrollment
A practical 2026 guide for Medicare agents covering D-SNP, C-SNP and I-SNP eligibility, verification, SEPs, plan matching and scenarios.
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Showing 35 articles
19 min read insurance
Medicare Permission to Contact: Referral, Phone, Text, Event, and Social-Media Rules
Can Medicare agents call referrals, text leads, or send social-media DMs? Use this PTC vs. TCPA vs. SOA guide, including October 1, 2026 changes.
22 min read insurance
Medigap Underwriting and Guaranteed-Issue Rights: A Practical Guide for Agents
Learn how to classify Medigap cases for open enrollment, guaranteed issue, trial rights, carrier underwriting, replacements, and state birthday rules.
14 min read insurance
2027 ACA Marketplace Final Rule: Practical Guide for Agents
What ACA agents must change for 2027: marketing claims, SEP and income verification, APTC reconciliation, training, consent records, and audit files.
16 min read insurance
Medicare Part A and Part B After 65: SEP Workflow for Agents
Practical workflow for Medicare agents helping clients over 65 enroll in Part A and B after employer coverage ends, with CMS-40B, CMS-L564, SEP timing, and evidence.
10 min read insurance
Is Insulin Still $35 on Medicare in 2026? Agent Guide
Medicare insulin is still capped at $35 or less for a one-month supply of each covered insulin product in 2026. Agent guide to formulary confusion.
18 min read insurance
2026 Medicare Part D Changes: What Agents Need Before AEP
Medicare Part D changes for 2026 include a $615 deductible, $2,100 out-of-pocket threshold, no donut hole, insulin rules, and AEP workflow updates.
14 min read insurance
Medicare GLP-1 Bridge: Practical Guide for Agents
A practical Medicare agent guide to the Medicare GLP-1 Bridge, including eligibility, $50 copay rules, Part D interaction, and prior authorization workflow.
27 min read insurance
TCPA Consent for Insurance Leads: Agency Compliance Checklist for Medicare and ACA Lead Buyers
Buying Medicare or ACA leads? This checklist explains TCPA consent, Do Not Call rules, opt-outs, Medicare TPMO rules, ACA consent, and records to keep.
36 min read insurance
2027 Medicare Agent Certification Primer: What to Study Before AHIP
Study guide for 2027 Medicare agent certification: AHIP topics, carrier certifications, AEP traps, SOA, SEPs, Part D, marketing rules, and FWA.
31 min read insurance
ACA SEPs in 2026: A Practical Field Guide for Health Insurance Agents
A practical 2026 ACA SEP guide for agents: qualifying life events, Medicaid/CHIP loss, COBRA traps, pregnancy state rules, and documentation.
28 min read insurance
Medicare SEPs in 2026: A Practical Field Guide for Insurance Agents
A practical 2026 Medicare SEP guide for agents: client scenarios, timing traps, MA and Part D rules, and documentation workflows.
7 min read insurance
How Long Is a Scope of Appointment Valid?
What a Medicare Scope of Appointment is, how long it stays valid (generally 12 months), and when agents need a new SOA for a different product or plan year.
10 min read insurance
Does a Medicare Supplement Appointment Require an SOA?
A Medigap-only appointment generally does not trigger the federal MA/Part D SOA rule. Part D or Medicare Advantage discussion does. See the table.
25 min read insurance
ACA Renewal Strategy for Agents in 2026: Build a Book-of-Business Retention System
ACA agents need an active 2026 renewal strategy. Segment your book, review passive renewals, manage premium shock, document reviews, and retain clients.
15 min read insurance
Medicare Call-Recording Retention: 6 vs. 10 Years (CY 2027)
CMS uses a 6-year track for MA and Part D marketing and sales calls and a separate 10-year track for enrollment records. See audio and transcript rules.
18 min read insurance
How Independent Medicare Agents Keep SOAs and Call Recordings Portable When Changing FMOs
Switching FMOs, CRMs, phone systems, or enrollment tools? Learn how Medicare agents keep SOAs, call recordings, ACA consent, and records portable.
21 min read insurance
Best Call Recording Setup for Independent Medicare Agents During AEP
Compare Zoom, VoIP, FMO tools, and Business Line + Vault for Medicare agent call recording during AEP, consent, SOAs, and storage.
17 min read insurance
Is Google Drive HIPAA Compliant for Medicare & ACA Call Recordings?
Can Medicare and ACA agents use Google Drive for call recordings? Learn when Google Workspace, a BAA, HIPAA controls, CMS retention, and SOA Vault matter.
24 min read insurance
ACA Consumer Consent vs. Application Review: What Agents Must Document and Store for 10 Years
ACA agents need records for consent, application review, attestations, phone confirmations, auto-renewals, NPN disputes, and 10-year storage.
13 min read insurance
Marketing Call vs. Enrollment Recording: Retention Rules for Medicare Agents
Learn when Medicare marketing call recordings follow six-year retention, when enrollment records stay on a 10-year track, and how agents can organize both.
12 min read insurance
Medicare Call Recording Requirements for Agents: What Changed for CY2027
Recording didn't go away for 2027 — but the rule is now 6 years, not 10. See which Medicare calls agents must record, and how long to keep the audio.
11 min read insurance
Stop Selling Dental First: Why Medicare Agents Should Start With Doctors
Many Medicare agents lead with dental and OTC benefits. Learn why a doctor-first Medicare Advantage sales process can build trust and reduce surprises.
12 min read insurance
ACA Compliance and Marketplace Operations for Agents: What You Need Year-Round
A practical ACA guide for licensed agents covering consumer consent, application review, SEP documentation, NPN changes, training, and operations.
12 min read insurance
Medicare Educational Events: Can You Collect an SOA in 2027?
CMS again permits SOA forms at Medicare educational events for 2027. Learn what agents can collect, what stays educational, and how to follow up.
11 min read insurance
Does a 2026 SOA Cover a 2027 Plan Discussion?
CMS says SOAs are valid for 12 months, but a 2026 SOA may not cover 2027 plan discussions. Learn the practical rule Medicare agents should follow.
7 min read insurance
What Counts as a Written SOA for an In-Person Medicare Appointment?
For CY 2027, in-person MA and Part D appointments require a written SOA. See what counts for paper, electronic, walk-in, and same-day workflows.
18 min read insurance
CMS 2027 TPMO Disclaimer Timing: What You Must Say Before Benefits
CMS changed TPMO disclaimer timing for 2027 Medicare sales calls. Learn what changed, what counts as a benefits discussion, and when to say it.
10 min read insurance
When Does a Medicare Call Become an Enrollment Recording? A Practical Guide for Agents
A practical guide for Medicare agents on where a sales call ends, where telephonic enrollment begins, and how to handle recording and retention.
17 min read insurance
150% FPL SEP Is Gone for 2026: What ACA Agents Need to Know, Do, and Say
CMS ended the 150% FPL SEP in August 2025. Learn which SEPs still work, what documentation matters, and how ACA agents should triage prospects.
19 min read insurance
CMS 2027 Final Rule: 6 Medicare Agent Workflow Changes
Six Medicare workflow rules change for CY2027: same-day SOAs, TPMO timing, 6-year call retention, and events. What agents must update before Oct. 1.
13 min read insurance
Medicare 48-Hour SOA Rule: Current Exceptions and What Changes October 1, 2026
CMS ends Medicare’s 48-hour SOA wait on October 1, 2026. See current exceptions, walk-in and inbound-call rules, and the new same-day appointment workflow.
12 min read insurance
10 Steps to Break Away: How to Build a Truly Independent Medicare Business
Learn how to break away and build a truly independent Medicare business. Control your own leads, ditch the confusing jargon, and own your workflow.
7 min read insurance
ACA Consent Requirements and 10-Year Recordkeeping for Agents
Learn how ACA agents can document consumer consent, eligibility application review, Marketplace records, and exportable files without platform lock-in.
8 min read insurance
Connecture vs. Sunfire for SOAs and Call Recordings: What Medicare Agents Should Compare
Compare Connecture and Sunfire SOA workflows, voice signatures, call recording, data portability, and when a standalone SOA vault makes sense.