16 min read
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.
#Cms Compliance
12 min read
Is Insulin Still $35 on Medicare in 2027? Agent Guide
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.
15 min read
2027 Medicare Part D Changes for Agents
2027 Medicare Part D changes for agents: the $700 deductible, $2,400 out-of-pocket cap, negotiated drugs, and a printable review checklist.
15 min read
Medicare GLP-1 Bridge for 2027: A Practical Agent Guide
Review Medicare GLP-1 Bridge eligibility, covered drugs, the $50 copay, prior authorization and 2027 plan checks. Includes a printable agent checklist.
37 min read
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.
18 min read
ACA Special Enrollment Periods in 2027: A Practical Field Guide for Agents
A practical 2027 ACA SEP guide for agents: qualifying events, Medicaid loss, COBRA, deadlines, verification, state differences, and a printable checklist.
33 min read
Medicare Special Election Periods in 2027: A Field Guide for Agents
A 2027 Medicare Special Election Period guide for agents: 36 SEP categories, D-SNP rules, plan nonrenewals, deadlines and CMS approval requirements.
7 min read
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
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.
15 min read
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
ACA Consumer Consent vs. Application Review: What Agents Must Document and Store for 10 Years
Learn what ACA agents must document for consent and application review, retain for 10 years, and check under CMS’s 2026–2027 recording guidance.
13 min read
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
CY2027 Medicare Call Recording: What Changed for Agents
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.
13 min read
ACA Compliance and Marketplace Operations for Agents: What You Need Year-Round
A practical ACA guide for licensed agents covering consumer consent, application review, data-matching issues, SEP documentation, and operations.
12 min read
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
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
What Counts as a Written SOA for an In-Person Medicare Appointment?
See written SOA rules for in-person Medicare appointments, electronic records, same-day workflows, and when an existing remote SOA can be reused.
18 min read
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
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.
12 min read
150% FPL SEP Is Gone for 2027: What ACA Agents Should Check Next
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.
19 min read
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.
8 min read
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.