Texting Medicare Supplement (Medigap) leads year-round
How agents can follow up on Medicare Supplement leads outside the Annual Enrollment Period, with timing considerations, compliant messaging and follow-up ideas.
·2 min read
Many agents think of Medicare as a fall business, but Medicare Supplement plans can be sold throughout the year. That makes supplement leads a steady source of conversations when Medicare Advantage activity is quiet.
Texting helps agents respond quickly and keep in touch with prospects whose timing is not yet right. Medicare marketing is heavily regulated, so check your carrier and compliance guidance before sending.
Understand the prospect's timing
People turning 65 and enrolling in Part B often have a guaranteed window to buy a supplement without medical underwriting. Outside that window, underwriting may apply depending on the state and situation, and some states have special rules that let people switch plans at certain times. Your first questions should establish where the prospect is.
First texts that work
Introduce yourself, reference their request, and ask a simple qualifying question rather than pitching a plan.
- ✓Hi Joan, this is Mark, a licensed agent. You asked about Medicare Supplement options. Are you new to Medicare or looking to change your current plan?
- ✓Hi Ed, it's Mark again. When does your Part B start? That helps me know which options are open to you.
Stay compliant and patient
Avoid language that sounds like it comes from the government, do not make claims about plan benefits by text that you cannot fully explain, and follow your carriers' rules on marketing and scope of appointment for any discussion that touches Medicare Advantage. For prospects who are not ready, a polite check-in near their key date is more effective than frequent texts.
Key takeaways
- →Medigap can be sold year-round, unlike Advantage enrollment periods.
- →Establish the prospect's eligibility timing first.
- →Ask qualifying questions instead of pitching plans.
- →Follow carrier and Medicare marketing rules closely.
Put this into practice with Text2Sale
Import leads, create follow-up campaigns, organize replies, and connect texting, calling, and appointments in one workspace.
Frequently asked questions
Can I text Medicare leads about Advantage plans in summer?
Rules on Medicare Advantage marketing and enrollment periods are strict. Check your compliance guidance before discussing Advantage plans.
Do all states have the same Medigap rules?
No. Some states have additional switching rights, so learn the rules where your clients live.