Medicare Live Transfers: How They Work Under CMS Rules

A Medicare live transfer is a Medicare-eligible caller who has passed your qualifying questions and is connected to a licensed agent while still on the line. Because Medicare marketing is regulated by CMS, the company that runs the ads and screens the calls has to follow CMS rules for third-party marketing organizations (TPMOs) too, including the required disclaimer and call recording. Buy Medicare transfers only from a vendor that can show you how it does both.

How do Medicare live transfers work?

1. You set the criteria: eligibility, the plans your agents offer, the counties and states you cover, and the enrollment periods you work. We write your criteria into the intake script.
2. We run the ads and screen every caller. Calls come from our own ads plus a vetted publisher network, and every caller answers your qualifying questions before anything reaches you.
3. Your agents get the call. Callers who pass are transferred to your licensed agents during the hours you set.

What gets checked before a Medicare caller reaches your agents?

Our default Medicare script checks that:

• The caller is eligible for Medicare.
• The caller lives in a county where your plans are offered.
• The caller is calling during an enrollment period you work.
• The caller wants to talk to a licensed agent now.

If a caller fails one of your questions, we do not send them to you and you do not pay for them.

What do CMS rules mean for Medicare lead vendors?

CMS sets marketing rules for Medicare Advantage and Part D, and they reach the third-party marketing organizations that generate and hand off Medicare calls. Two matter most when you buy transfers:

• The TPMO disclaimer. Callers must hear a required disclaimer that explains the organization may not offer every plan in their area and points them to Medicare.gov or 1-800-MEDICARE.
• Call recording. Sales and marketing calls have to be recorded and the recordings kept.

Our Medicare calls follow CMS rules for third-party marketing organizations, including the required disclaimer, and we keep Medicare recordings for 10 years. CMS updates these rules regularly, so check the current requirements with your compliance team.

When do Medicare calls peak?

Most Medicare calls cluster around the enrollment periods, above all the Annual Enrollment Period from October 15 to December 7. Tell us the periods you work and we write them into the script, so callers outside them never reach your agents.

What should an agency ask a Medicare transfer vendor?

• Do you follow CMS TPMO rules? Ours do, including the disclaimer and recording.
• Can I get the recording of a call you sent me? Yes. Every intake call is recorded, and you can get the recording of any call we send you.
• Did the caller agree to be transferred? Every caller agrees to be connected before a transfer, and we capture third-party consent certificates.
• Are numbers scrubbed? Numbers are scrubbed against the National Do Not Call Registry before we call or text them.
• How is caller data protected? Caller data is encrypted, and only staff who need it can see it.

See every control on our compliance page, see Medicare live transfers and inbound calls, or book a call for Medicare pricing.