Medicare AEP runs October 15–December 7. Agents who dominate AEP start building their pipeline in April with T65 identification, book-of-business reactivation, and educational outreach. AI automates all three phases — pipeline building, pre-AEP activation, and AEP execution — while maintaining CMS compliance.
The agents who consistently enroll the most Medicare members don't start in October — they start in April, building a warm pipeline that's ready to convert when the enrollment window opens.
CMS rules prohibit discussing specific plan details before October 1, but they don't prohibit educational outreach. From April through July, agents can run T65 identification campaigns, reactivate their existing book, and build referral networks — all without triggering CMS marketing compliance requirements.
Phase 1: Pipeline Building (April–July) — T65 identification campaigns targeting prospects turning 65 in the next 12 months, book-of-business reactivation to confirm existing clients' plans are still the best fit, and referral activation through automated SMS to existing clients. Educational content only — no specific plan details.
Phase 2: Pre-AEP Activation (August–October 14) — Starting August 1, CMS allows marketing of specific Medicare Advantage and Part D plans. This phase runs benefit comparison campaigns, pre-books appointments for October 15+, collects Scope of Appointment forms, and runs warm transfer campaigns. The goal: a full calendar before AEP begins.
Phase 3: AEP Execution (October 15–December 7) — Same-day lead response (every inbound lead gets an AI call within 5 minutes), no-show recovery, post-enrollment follow-up for persistency, and overflow management when agent capacity is maxed.
Medicare marketing is one of the most heavily regulated areas in insurance sales. Moklo's compliance engine handles marketing window enforcement (blocking plan-specific marketing before August 1), SOA documentation (automated collection and storage before every enrollment meeting), prohibited language monitoring (real-time flagging of CMS-prohibited terms), and DNC scrubbing.
Agents using Moklo for AEP outreach have a documented compliance trail for every lead interaction — critical protection as CMS audits increase.
CMS allows agents to begin marketing specific Medicare Advantage and Part D plans starting August 1 for the upcoming plan year. Before August 1, agents can conduct educational outreach but cannot discuss specific plan details or premiums.
A T65 lead is a prospect turning 65 within the next 12 months — entering Medicare for the first time. T65 leads are the highest-value segment in Medicare sales because they have no existing plan loyalty and are actively seeking guidance.
A Scope of Appointment (SOA) is a CMS-required form documenting which Medicare products a prospect has agreed to discuss before a sales appointment. Moklo automates SOA collection through SMS and email workflows before every scheduled appointment.
When agent calendars are full, Moklo's AI voice agents continue qualifying inbound leads and booking them for the next available appointment slot — ensuring no lead goes uncontacted during peak AEP volume.