Resources
Medicare compliance & attribution, in plain English
Guides on the CY2027 CMS rule changes, TCPA and TPMO compliance, and lead-source attribution — written for agency owners and ops leads, not lawyers.
Strategy
Compliance Is the Wedge. Attribution Is the Retention.
No Medicare vendor combines compliance tracking with lead-source ROI. Why that gap costs agencies money — and what a combined category looks like.
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CMS Rules
How Long Do You Actually Have to Keep Medicare Call Recordings?
CMS cut marketing-call retention to 6 years — but enrollment records still need 10. The two clocks, cleared up and sourced from the Final Rule.
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Attribution
Stop Tracking Cost-Per-Lead. Start Tracking Persistency-Per-Source.
Cost-per-lead lies. How to track which lead source produces policies that actually stay on the books — and pay renewal commissions.
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CMS Rules
The 48-Hour Wait Is Gone. The SOA Itself Is Not.
CMS eliminated the 48-hour Scope of Appointment wait — but a signed SOA is still required. The precise before/after.
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CMS Rules
The TPMO Disclaimer Rule Just Changed — Most Scripts Haven’t Caught Up
CMS moved the disclaimer trigger from 'within 60 seconds' to 'before any benefits discussion.' The exact new rule and how to retrain your script.
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Consent & TCPA
The FCC Rule Died. CMS's Consent Rule Didn't.
One-to-one consent was vacated in 2025 — but CMS's own TPMO consent requirement wasn't touched. What actually changed for Medicare lead buyers.
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Revenue
Your Chargeback Problem Might Be a Lead-Source Problem
Every rapid-disenrollment guide blames agent behavior. None check whether the real problem is a specific lead source. How to find out.
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Revenue
The First 90 Days Decide Whether a Medicare Advantage Sale Sticks
Early churn isn’t random. What actually drives 90-day lapses — and how to see which lead sources produce them most.
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Attribution
Your CRM Is Crediting the Wrong Lead Source
Last-touch attribution ignores the direct mail, the first inbound call, and the follow-up that actually drove the sale. The models, in plain English.
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AEP
Is Your Compliance Stack Ready for AEP — Not Just Your Sales Team?
Most AEP checklists are sales-prep calendars. This one covers compliance and attribution readiness before Oct 15 volume hits.
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HIPAA
Does Your Call-Recording Vendor Need a BAA? Here’s How to Tell
Dialer, CRM, cloud storage, transcription — a plain-English checklist for which parts of your Medicare telesales stack need a Business Associate Agreement.
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Operations
What Should Compliant Call Storage Actually Cost You?
Agencies report paying $800/month for bundled call storage. How the 6-year retention rule changes that math, and what to compare before you buy.
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Enforcement
What Actually Happens When a Complaint Names Your Agency
The 7-step chain from a 1-800-MEDICARE complaint to a terminated contract — who investigates, what they demand, and why CMS is rarely the one who shows up.
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Consent & TCPA
The $990K Lead-Vendor Mistake: You Own the Calls You Buy
A small Florida agency paid $990K because its lead vendor called Do-Not-Call numbers. The TCPA doctrine that makes you liable for a vendor’s calls, explained.
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Consent & TCPA
The Court Just Told You What Wins a TCPA Suit
A federal appeals court cleared Allstate of vicarious TCPA liability for a sub-vendor’s calls. Documented oversight and prompt corrective action was the defense.
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Enforcement
Carriers, Not CMS, Are the Regulator You’ll Actually Meet
CMS regulates carriers. Carriers police agents. If you run a 5-50 agent Medicare shop, your real regulator is your carrier’s broker-oversight desk — and the audit is a document request with a deadline.
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