AEP + OEP
Medicare
lead generation.
The most calendar-driven vertical in insurance. Demand concentrates into AEP and OEP, and the agencies that win are the ones whose infrastructure was built before October.
Medicare lead generation is a calendar problem before it is a media problem. Demand concentrates into AEP and OEP, so the agencies that win are the ones whose tracking, routing and creative were built before the window opened. We build in the off-season and run inside your own ad account, so volume scales with your budget rather than a vendor's supply.
- Oct 15 – Dec 7Peak window
- Jan 1 – Mar 31Secondary window
- Start by AugustBuild lead time
Who this is for
Where this earns its keep
Agencies and FMO downlines with licensed, AHIP-certified agents who need predictable volume inside the enrollment windows rather than whatever a vendor has left.
- $12,000+ per month in lead or ad spend is where plans start
- Licensed agents who answer the phone during business hours
- A defined target cost per acquisition
What actually works
Medicare is not a generic lead gen problem.
- 01
Built around the calendar
AEP runs October 15 to December 7, with marketing permitted from October 1. OEP follows January through March. The build happens in the quiet months.
- 02
CMS-aware from the first frame
Marketing for MA and Part D sits under CMS rules for third-party marketing organizations. Disclaimers, call recording, and claim language are design constraints, not afterthoughts.
- 03
Renewal-weighted economics
Medicare LTV is driven by renewals, which changes what you can afford to pay for a lead. We model to lifetime value, not first-year commission.
Build specification
| Primary platforms | Meta, TikTok, YouTube |
|---|---|
| Conversion event | Scheduled call with a licensed agent |
| Optimization target | Enrolled application |
| Routing | State, carrier appointment, AHIP status |
Compliance built in
- TPMO disclaimer handling per current CMS marketing guidance
- Call recording and retention per CMS requirements
- No carrier or benefit claims outside approved language
- Consent certificate stored per lead
We build the capture and documentation. Compliance decisions on your sales process stay with you and your counsel.
Next step
See what your budget should be producing
Five questions gets you the model. Twenty minutes gets it run against your real account — including the part where we tell you it isn't worth moving, if that's the answer.
Five quick questions, about 90 seconds, then pick a time that suits you.
- Any vertical, any budget
- Staff who answer the phone
- A real cost-per-sale target