Medicare AEP Calls: Dates, Disclosures and a Buying Plan for Agencies

The Medicare Annual Enrollment Period (AEP) is when people with Medicare can switch between Original Medicare and Medicare Advantage, change Medicare Advantage plans, or join, switch or drop a Part D plan. For agencies, it is a short window with heavy demand and detailed marketing rules. This guide covers both.

Key Dates

The TPMO Disclaimer

CMS regulations require third-party marketing organizations (TPMOs), which include many agencies and brokers selling Medicare Advantage and Part D plans, to give a standard disclaimer. Under 42 CFR 422.2267(e)(41), it must be conveyed verbally on sales calls before benefits are discussed.

If you do not sell every plan in the area, the disclaimer states that you do not offer every plan available, how many organizations and products you represent, and that the consumer can contact Medicare.gov or 1-800-MEDICARE for information on all options. Use the exact regulatory wording with your own numbers filled in.

Call Recording

Enrollment calls must be recorded in their entirety. Before AEP, confirm that every line receiving purchased calls records automatically, that recordings are stored under your retention policy, and that you can retrieve one by date, number or agent.

Lead Source Disclosures

Under 42 CFR 422.2274(g)(3)(i), lead generation activity must tell beneficiaries that their information will be provided to a licensed agent, and calls transferred to a licensed agent must disclose that. Ask any call or lead vendor what the consumer saw and heard before reaching you.

A Buying Plan for AEP

1. Confirm certifications and carrier readiness for the plan year in each state you will take calls from.
2. Script the TPMO disclaimer into the first moments of every call, before any benefit discussion.
3. Set campaign hours to when licensed, certified agents are on the phones.
4. Start with conservative daily budgets for the first days of AEP, then raise them on states and hours that close.
5. Watch answer rate. A Medicare caller who reaches voicemail during AEP will likely call someone else.
6. Plan staffing for the final week before December 7, when deadline pressure is highest.

Medicare Calls on Oracle Leads

Oracle Leads offers Medicare calls from people 65 and older, or turning 65, who respond to Medicare advertising and call in themselves. Medicare calls start at a $58 maximum bid, up to $300 in $5 steps, and each billable call is charged its actual price, never above your maximum.

Medicare campaigns are self-serve in 32 states. Build the campaign, fund it, and it goes live once Oracle confirms supply and routing for your states. Every call routes to one buyer only and is never resold.

Start a Medicare campaign or see pricing.