What Medicare Supplement leads are
Medicare Supplement leads are people with Original Medicare who want a policy to help pay costs Medicare leaves behind, such as deductibles, coinsurance and copayments. These policies, also called Medigap, are sold by private insurers and work alongside Original Medicare rather than replacing it.
Medigap shoppers tend to value predictable costs and the freedom to see any provider that accepts Medicare. They are often careful buyers who compare premiums closely, and they appreciate an agent who explains the differences between plans clearly. On MedicaresCall.com, every Medicare Supplement lead is a live call from someone who chose to call and was screened before the transfer.
Unlike Medicare Advantage, a Medigap policy does not use a provider network and does not include drug coverage. That simplicity appeals to many shoppers, and it means the conversation focuses on choosing the right plan letter and the right company rather than on networks and formularies.
Why Medicare Supplement leads are worth building
Many agencies focus almost entirely on Medicare Advantage during enrollment season, then struggle to keep agents busy for the rest of the year. Medicare Supplement business fills that gap.
- Demand is not limited to one season. People can apply for a Medigap policy at any time, so calls arrive every month.
- New-to-Medicare volume is steady. Every month, a new group of people turns 65 and starts their Medigap open enrollment period.
- Persistency can be strong. Medigap customers who are happy with their policy often keep it for years.
- It balances your book. A mix of Medicare Advantage and Medigap business reduces how much one season drives your revenue.
Medigap rules that shape every call
Medicare Supplement selling has its own rules, and agents who know them convert more calls and avoid declined applications.
- Medigap Open Enrollment Period6 months
Starts the first month a person has Part B and is 65 or older. During this window, insurers generally cannot use medical underwriting to deny coverage or charge more.
- Guaranteed issue rightsSpecific situations
Certain events, like losing employer coverage or a plan leaving the area, give people a right to buy some Medigap policies without health questions.
- Outside those windowsUnderwriting may apply
In most states, insurers may ask health questions and can decline or rate applications. Some states have their own extra protections.
Plans are standardized and identified by letters in most states, so a given plan letter offers the same basic benefits regardless of the insurer. Price, rate history and company service are what really differ, which is why a good comparison matters to the caller. Massachusetts, Minnesota and Wisconsin standardize their policies differently, so campaigns there need agents who know those states' plans.
How we screen Medicare Supplement callers
Medigap campaigns use screening questions tailored to the product so your agents spend their time on callers they can help:
- 1Part B status confirms the caller has or will soon have Part B, which a Medigap policy requires.
- 2Age and state determine open enrollment status and which state rules apply.
- 3Current coverage separates people on Original Medicare from Medicare Advantage members, who would need to leave their plan first.
- 4Intent confirms the caller wants to compare Medigap policies, not file a claim with their current insurer.
Because Medigap policies do not include drug coverage, many callers also need a Part D plan. Agents who can quote both on the same call often increase revenue per caller.
Setting up agents for Medigap success
The Medicare Supplement conversation is usually about value: which plan letter fits the caller's budget and health, and which company offers a fair price with stable rates. To prepare your team:
- Load current rates for every carrier and state in the campaign, including household or other discounts where offered.
- Know underwriting guides so agents can set expectations before submitting an application outside open enrollment.
- Explain rate changes honestly, including how premiums may change with age or over time depending on how the policy is rated.
- Offer Part D on the same call when the caller has no drug coverage, to avoid a late enrollment penalty later.
Budgeting for Medicare Supplement leads
Medicare Supplement calls are priced per billable call, just like our other products, but the math behind them is different from Medicare Advantage. Commission structures, approval rates and persistency vary by carrier and state, and underwriting means some callers outside open enrollment will not be approved. Build your budget around enrollments that are approved and kept, not just calls answered.
A practical way to start is to set a modest daily cap in two or three states where your carriers have competitive rates. Track how many calls become applications, how many applications are approved and how quickly. After a few weeks you will know your real cost per approved policy, and you can raise caps where the numbers work.
| Metric | What it tells you |
|---|---|
| Billable calls | How much volume the campaign is delivering |
| Quote rate | How many callers stay through a full comparison |
| Application rate | How well agents turn quotes into applications |
| Approval rate | How many applicants clear underwriting |
| Active after 90 days | Whether the sale was a good fit for the customer |
Pairing Medigap with Part D on the same campaign often improves these numbers, because the same conversation can produce two policies for callers who need drug coverage.
Reaching people as they turn 65
The Medigap open enrollment period is the best moment to help someone choose a Supplement, because health questions generally do not apply. People approaching 65 often call with broad questions: when to sign up for Part B, whether to keep employer coverage and how Medigap compares with Medicare Advantage. Agents who answer those questions patiently, and explain the timing clearly, build trust that turns into an application and often a referral to a spouse or friend.
Compliance for Medicare Supplement leads
Medigap marketing is regulated mainly by state insurance departments, while Medicare Advantage and Part D marketing follow CMS rules. Many callers ask about both, so our network applies the stricter standard to every call: documented consent or a caller-initiated call, a recording from the first word, the TPMO disclaimer, no suggestion of government affiliation and no misleading claims about costs or benefits. Every creative is reviewed before launch.
Medicare Supplement Leads FAQ
Are Medicare Supplement and Medigap leads the same?
Yes. Medigap is another name for Medicare Supplement insurance, and the leads are the same people: Original Medicare members looking for help with out-of-pocket costs.
Do Medicare Supplement leads come in all year?
Yes. Unlike Medicare Advantage, Medigap policies can be applied for at any time, so call volume continues every month.
Can a Medicare Advantage member buy a Medigap policy?
A Medigap policy cannot be used with Medicare Advantage. A Medicare Advantage member would need to return to Original Medicare during an allowed enrollment window before the Medigap policy takes effect.
What if a caller is outside their open enrollment period?
In most states, the insurer may ask health questions. Your agent should check the carrier's underwriting guide before submitting the application, and some callers may have guaranteed issue rights.
Can I combine Medigap and Part D on one campaign?
Yes. Many buyers run them together because Medigap callers on Original Medicare often need a stand-alone drug plan as well.
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