Medicare Live Transfers
Pre-qualified, consent-based Medicare calls delivered to your licensed agents in real time — built for AEP.
Request a Quote Order Transfers
What Are Medicare Live Transfers?
A Medicare live transfer is a real-time phone call connecting your licensed agent directly with a beneficiary who has already been contacted, screened and confirmed as willing to speak about their Medicare options. It is not a form fill, not an aged list, and not a cold call you have to chase.
By the time the call reaches you, the prospect has been asked about their eligibility, their current coverage and their willingness to talk — and has agreed to be connected. Your agent joins a conversation that is already warm.
Why Live Transfers Work for Medicare
Medicare is a seasonal, deadline-driven market. During Annual Enrollment, every agent in the country is competing for the same attention in the same seven-week window. Speed to contact decides who writes the policy.
- No dial time. Your agents talk instead of dialling — during AEP that is the difference between 8 conversations a day and 25.
- No cold opens. The prospect already knows why the phone rang.
- Screened before transfer. Eligibility and intent are checked first, so your licensed agent spends time on people who can actually enrol.
- Scales with the season. Volume can be increased for AEP and dialled back afterwards.
Who We Screen For
Before a call is transferred, our agents confirm the prospect:
- Is 64 or older, or otherwise eligible for Medicare
- Is enrolled in, or actively becoming eligible for, Medicare Parts A and B
- Is within a valid election period — AEP, the Medicare Advantage Open Enrollment Period, their Initial Enrolment Period, or a qualifying Special Enrolment Period
- Lives in a state your agents are licensed and appointed in
- Is the decision-maker for their own coverage
- Is willing to speak with a licensed insurance agent now
Sample Screening Questions
- “What state are you calling from today?”
- “May I ask your age?”
- “Are you currently enrolled in Medicare Part A and Part B?”
- “Do you have a Medicare Advantage or Supplement plan right now?”
- “Are you happy with your current coverage, or would you like to review your options?”
- “Are you the person who makes decisions about your health coverage?”
- “Are you free to speak with a licensed agent right now?”
Buffer Time: You Do Not Pay for a Bad Fit
Every transfer includes a buffer window at the start of the call. If the prospect turns out not to be a fit, your agent can end the call inside that window at no charge.
90 seconds
Enough to confirm state, age and Medicare status before you commit.
120 seconds
Room to check current plan and carrier as well.
180 seconds
Full qualification, including plan satisfaction and intent, before the meter starts.
Buffer length is selected when you set up your campaign. Longer buffers give your agents more protection; shorter buffers typically carry a lower cost per transfer.
Medicare Compliance: What We Do and What You Must Do
Medicare marketing is governed by CMS rules that go well beyond ordinary telemarketing law. We treat compliance as part of the product, not an afterthought.
- TCPA consent. Calls originate from prior express written consent. Consent records are retained and available on request.
- DNC scrubbing. Numbers are scrubbed against the federal Do Not Call registry and our internal suppression list.
- TPMO disclaimer. As a Third Party Marketing Organisation, the required CMS disclaimer is delivered on the call before transfer.
- Call recording. Calls are recorded and retained for quality assurance and for the CMS retention period.
- No plan-specific claims. Our screeners do not describe, compare or recommend specific plans or benefits. That conversation belongs to your licensed agent.
Your responsibility as the receiving agent. Scope of Appointment, plan presentation, enrolment and all CMS marketing requirements that attach to a licensed agent remain yours. We deliver a screened, consent-based, disclosed call — you own the sales conversation and the compliance obligations that come with it.
How a Transfer Call Works
- 1. We dial. Our agent contacts a consented Medicare prospect and explains why they are calling.
- 2. We screen. The qualification script is followed and the TPMO disclaimer is delivered.
- 3. We introduce. “I am going to connect you with a licensed agent who can go through your options. Please hold.”
- 4. You join. The call lands on your phone system, CRM or dialler.
- 5. You take over. Buffer time starts. If the prospect is not a fit, exit free.
Live Transfers Compared to Other Medicare Lead Types
| Feature | Live Transfers | Aged Medicare Leads | Web Form Leads |
|---|---|---|---|
| Speaking to the prospect immediately | Yes | No | No |
| Eligibility screened before contact | Yes | No | Rarely |
| Prospect expecting the call | Yes | No | Sometimes |
| Dial time required from your agents | None | High | High |
| Free exit if not a fit | Yes, within buffer | No | No |
| Best used for | AEP and SEP volume | Low-cost list building | Nurture campaigns |
Timing: Build Your AEP Pipeline Before October
The Medicare calendar is fixed, and the agents who do well are the ones who lock in capacity early.
- Annual Enrollment Period — 15 October to 7 December. The busiest seven weeks of the year. Transfer capacity is booked well in advance.
- Medicare Advantage Open Enrollment — 1 January to 31 March. A second window for beneficiaries switching plans.
- Special Enrolment Periods — year-round. Moves, loss of coverage and other qualifying events keep volume steady between seasons.
If you intend to run transfers through AEP, talk to us in August or early September. Campaign setup, state targeting and buffer configuration all take time to get right before the rush.
Pricing, Volume and Delivery
Pricing is quoted per campaign. Cost per transfer depends on buffer length, state targeting and weekly volume. Request a quote or call 757-530-5594 and we will send current Medicare transfer pricing and availability.
Volume Options
- Weekly caps from small test batches up to high-volume AEP campaigns
- State and region targeting matched to your licensing
- Delivery windows set around your agents working hours
Delivery Options
- Direct transfer to your phone system, dialler or CRM
- Pause and resume delivery at any time
- Call reporting so you can track volume, duration and outcomes
Getting the Most From Your Transfers
- Answer fast and warm. Reference the hand-off: “My colleague mentioned you wanted to review your Medicare options.”
- Confirm the basics again. Re-verify state, age and current plan in your own words before presenting anything.
- Handle Scope of Appointment properly. Get it right at the start rather than retrofitting it later.
- Keep it to two or three options. Beneficiaries disengage when presented with a full carrier menu.
- Have a follow-up path. Not every call closes the same day, especially outside AEP.
Related Services
- Medicare Leads — exclusive and shared Medicare leads delivered to your CRM
- Final Expense Live Transfers — the same live transfer model for the final expense market
- ACA Live Transfers — health insurance transfers for the ACA Open Enrollment season
- All lead generation services
Frequently Asked Questions
What is a Medicare live transfer?
A real-time phone call with a screened, consent-based Medicare prospect who has agreed to speak with a licensed agent and is transferred directly to you while still on the line.
Are your Medicare transfers TCPA compliant?
Yes. Calls originate from prior express written consent, numbers are scrubbed against the federal DNC registry and our internal suppression list, and consent records are retained and available on request.
Do you deliver the CMS TPMO disclaimer?
Yes. As a Third Party Marketing Organisation we deliver the required CMS disclaimer on the call before the prospect is transferred, and calls are recorded and retained for the CMS retention period.
What happens if the prospect is not a good fit?
Every transfer includes a buffer window of 90, 120 or 180 seconds depending on your campaign. If you end the call inside that window, you are not charged for it.
Can I target specific states?
Yes. Transfers are filtered to the states your agents are licensed and appointed in.
How much do Medicare live transfers cost?
Cost per transfer depends on buffer length, state targeting and weekly volume, so pricing is quoted per campaign. Request a quote or call 757-530-5594 for current pricing and availability.
When should I book capacity for AEP?
Annual Enrollment runs from 15 October to 7 December and capacity is committed in advance. We recommend arranging your campaign in August or early September so targeting and delivery are configured before the season opens.
Can I pause delivery?
Yes. Delivery can be paused and resumed at any time, and volume can be adjusted as your season ramps up or winds down.
Talk to Us About AEP
Tell us the states you are licensed in and the weekly volume you can handle, and we will send pricing and availability for Medicare live transfers.