A texting workflow for health insurance leads
Answer quote requests while they are still shopping
A health insurance lead who fills out a quote form is usually comparing options that same day, and often hears from several agents within the hour. The agent who responds first with something useful tends to get the conversation. Calling is still how most policies get written, but a text gets read in minutes when an unknown number goes to voicemail.
When leads arrive through a connected lead form or integration, Text2Sale can send the first text automatically, then keeps every reply in one inbox. A good first text names you and your agency, references the request, and asks one easy question, such as the best time for a five-minute call. It should also tell the lead how to opt out.
Collect the basics by text, quote on the phone
Texting is a fast way to gather the details that decide which plans are worth quoting: ZIP code, household size, estimated income for subsidy eligibility, and any doctors or prescriptions the lead wants to keep. Getting those answers before the call makes the call shorter and the quote more accurate.
Keep sensitive details out of the thread. Diagnoses, Social Security numbers, and payment information belong in a secure application process, not a text conversation. Use the text thread to schedule, confirm, and remind.
- ZIP code and county, since plan availability is local
- Household size and ages of everyone who needs coverage
- Rough household income, which drives Marketplace subsidy eligibility
- Preferred doctors and must-have prescriptions
Time campaigns to enrollment windows
Individual health coverage is tied to enrollment windows. Open Enrollment on HealthCare.gov generally runs November 1 through January 15, some state exchanges set their own dates, and outside that window people usually need a qualifying life event, such as losing other coverage, moving, or having a baby, to get a Special Enrollment Period.
Segment your lists so the right message reaches the right person: an Open Enrollment reminder to past quote requests who never enrolled, a renewal check-in to existing clients, and a special enrollment message only to leads who told you about a qualifying event. If you help people enroll in Marketplace plans, also document the consumer consent CMS requires before you assist.