Informed + Choice Blog
Scope of appointment, permission to contact, call recording, ACA consent, enrollment periods, and the workflows behind them. Written from the rules, with sources.
Showing 40 articles
Latest guide
Check Medicare initial commissions, proration, renewals, crosswalks and chargebacks with a practical reconciliation workflow grounded in CMS guidance.
Newest first
Check Medicare initial commissions, proration, renewals, crosswalks and chargebacks with a practical reconciliation workflow grounded in CMS guidance.
Compare 2027 Medicare Advantage plans by county. Open dental and vision coverage details, review drug coverage and Star Ratings, and prepare for AEP.
Resolve 2027 ACA Marketplace data matching issues with an agent workflow for income proof, document deadlines, uploads, follow-up, and appeals.
Complete 2027 Marketplace registration with returning-agent steps, the new-agent moratorium, Login.gov or ID.me, NPN checks, and a printable checklist.
A practical Medicare AEP workflow for agents: collect client data early, automate repeatable plan checks, triage 500 reviews, and preserve local expertise.
Review 2027 D-SNP, C-SNP and I-SNP eligibility, Medicaid alignment, enrollment periods, verification rules and a practical Medicare agent checklist.
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.
Practical 2027 Medigap guidance for agents: underwriting, guaranteed issue, trial rights, state birthday rules, deadlines, and replacement checklists.
See which 2027 ACA Marketplace rules apply now, what courts paused, key enrollment dates, agent registration limits, and consent requirements for 2028.
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.
Medicare's insulin cap continues in 2027. Learn the $35-or-less rule, NovoLog/Fiasp changes, Part B vs. Part D, and how agents can verify client costs.
2027 Medicare Part D changes for agents: the $700 deductible, $2,400 out-of-pocket cap, negotiated drugs, and a printable review checklist.
Review Medicare GLP-1 Bridge eligibility, covered drugs, the $50 copay, prior authorization and 2027 plan checks. Includes a printable agent checklist.
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.
Study guide for 2027 Medicare agent certification: AHIP topics, carrier certifications, AEP traps, SOA, SEPs, Part D, marketing rules, and FWA.
A practical 2027 ACA SEP guide for agents: qualifying events, Medicaid loss, COBRA, deadlines, verification, state differences, and a printable checklist.
A 2027 Medicare Special Election Period guide for agents: 36 SEP categories, D-SNP rules, plan nonrenewals, deadlines and CMS approval requirements.
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.
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.
Organize 2027 ACA renewals, review eligibility and plan costs, document consumer confirmations, and track payment, coverage, and client retention.
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.
Switching FMOs, CRMs, phone systems, or enrollment tools? Learn how Medicare agents keep SOAs, call recordings, ACA consent, and records portable.
Compare Zoom, VoIP, FMO tools, and Agent Workspace for Medicare agent call recording during AEP, consent, SOAs, and storage.
Can agents use Google Drive for call recordings? Review Workspace BAAs, HIPAA controls, CMS retention, and focused Informed + Choice product paths.
Learn what ACA agents must document for consent and application review, retain for 10 years, and check under CMS’s 2026–2027 recording guidance.
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.
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.
Many Medicare agents lead with dental and OTC benefits. Learn why a doctor-first Medicare Advantage sales process can build trust and reduce surprises.
A practical ACA guide for licensed agents covering consumer consent, application review, data-matching issues, SEP documentation, and operations.
CMS again permits SOA forms at Medicare educational events for 2027. Learn what agents can collect, what stays educational, and how to follow up.
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.
See written SOA rules for in-person Medicare appointments, electronic records, same-day workflows, and when an existing remote SOA can be reused.
CMS changed TPMO disclaimer timing for 2027 Medicare sales calls. Learn what changed, what counts as a benefits discussion, and when to say it.
A practical guide for Medicare agents on where a sales call ends, where telephonic enrollment begins, and how to handle recording and retention.
The 150% FPL SEP remains unavailable in 2027. Use this ACA agent guide to check other SEPs, Medicaid options, enrollment deadlines, and required follow-up.
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.
The 48-hour SOA wait ended for 2027 Medicare marketing. Learn the current rules for walk-ins, callbacks, written SOAs, and October enrollment timing.
Learn how to break away and build a truly independent Medicare business. Control your own leads, ditch the confusing jargon, and own your workflow.
Learn how ACA agents can document consumer consent, eligibility application review, Marketplace records, and exportable files without platform lock-in.
Use Connecture or SunFire for quoting and enrollment while keeping SOAs, call recordings, and client files searchable, retrievable, and exportable.