Medicare brokers run a motion unlike any other insurance sales. The year peaks around AEP (Annual Enrollment Period October 15 through December 7), the regulatory surface is CMS Marketing Guidelines plus Scope of Appointment plus call recording retention, and the plan comparison math requires live carrier data. Strkr ships a Medicare-first CRM.
A Medicare broker (independent agent, agency, call center, FMO) runs a tight compliance surface. The CMS Medicare Communications and Marketing Guidelines (MCMG) define what you can say, how you can say it, who you can approach, and what paperwork you have to retain. Scope of Appointment (SOA) must land before any plan discussion and retain for 10 years. Call recordings retain for 10 years. AEP runs 54 days per year and generates 60 to 80 percent of annual revenue. The six pain points below are what Strkr's onboarding team hears on every intake with a Medicare agency, from the solo broker in a single state to the 180-agent captive agency.
The Scope of Appointment form has to be captured before any plan discussion and retained for 10 years under CMS rules. A solo broker running 240 enrollments per year accumulates 2,400 SOAs over a decade. Most CRMs do not retain documents at that depth or do not index them for retrieval. Strkr's SOA retention module stores every SOA with the beneficiary, the date, the plan types permitted for discussion, and the agent, with 10-year default retention tunable per tenant.
AEP runs October 15 through December 7, which is 54 days. A broker book of 1,800 beneficiaries requires about 33 touches per day over the AEP window. Most CRMs cannot handle the campaign scale. Strkr's AEP campaign module ships with the required SOA-first touchpoint cadence, call-recording-ready scheduling, and compliance-safe messaging templates.
A Medicare broker compares plans across 8 to 24 carriers in a given county with premium, benefits, deductible, max out-of-pocket, drug formulary, and provider network each updating annually. Strkr integrates with the major Medicare plan comparison platforms (Connecture, Sunfire, SeniorEcho) through the standard webhook spec so the broker pulls plan data without manual lookup during the call.
A broker can only sell plans with carriers where they hold a current appointment. Appointment status varies by carrier, by state, by year, and by product line (Advantage vs Supplement vs Part D). Most CRMs do not track appointment status. Strkr's carrier appointment object tracks the appointment per carrier per state per product per year with expiration flags.
CMS Medicare Communications and Marketing Guidelines (MCMG) regulate every piece of marketing collateral, every call script, every email, and every SMS a broker uses with beneficiaries. CMS audits the collateral library annually. Strkr's marketing collateral library tags every asset with the CMS filing status (filed and approved, pending, non-filing-required) and the applicable use rules.
CMS requires call recording retention on every Medicare Advantage and Part D enrollment call for 10 years. Most CRMs do not provide call recording with retention at that depth. Strkr's call recording integration (through the standard webhook spec with the broker's call center platform) retains recordings in the audit-grade storage with 10-year retention on the Scale plan.
Strkr ships a tunable Medicare schema with Beneficiary, Scope of Appointment, Enrollment, Plan, Carrier Appointment, AEP Campaign, Marketing Collateral, and Call Recording as first-class objects. The admin can rename or extend anything. The default lands close to where most Medicare agencies eventually settle.
A beneficiary in Strkr carries demographics, Medicare ID (MBI), current plan (if any), eligibility status (Part A, Part B, dual-eligible), low-income subsidy status, Special Enrollment Period eligibility, and the broker-of-record status. The record ties to every SOA, every enrollment, and every call recording.
An SOA record captures the beneficiary, the plan types permitted for discussion (Advantage, Supplement, Part D, Dual Special Needs, Chronic Special Needs), the signing agent, the signing date, and the signature capture. The retention runs 10 years by default. The audit log preserves every entry and edit.
An enrollment record tracks the plan sold, the effective date (January 1 for AEP, specific SEP date for mid-year), the SEP reason (if applicable), the carrier confirmation number, the commission expectation, and the plan year. The record drives the commission reconciliation and the retention cadence.
A plan record carries the carrier, the product line (Medicare Advantage, Medicare Supplement, Part D), the plan name, the H-contract and plan number, the service area counties, the premium, the benefits, the deductible, the max out-of-pocket, the drug formulary snapshot, and the provider network status. The plan updates annually.
A carrier appointment record tracks the broker's appointment with a carrier for a product in a state with current status (active, pending, expired, terminated) and expiration date. The record drives the appointment renewal cadence and the plan recommendation guardrail (cannot recommend a plan the broker is not appointed for).
An AEP campaign targets a cohort of beneficiaries for AEP outreach with the touchpoint cadence (SOA request, plan review scheduling, enrollment completion), the compliance guardrails, and the enrollment conversion tracking. The campaign respects communication consent and TCPA rules.
The marketing collateral library stores every piece of marketing material (ads, flyers, mail pieces, email templates, SMS templates, call scripts, website content) with the CMS filing status, the HPMS material ID (if filed), the approval date, and the applicable use rules. The broker sees only CMS-compliant materials in the user-facing library.
A call recording record stores the call audio (through the standard webhook spec with the call center platform), the beneficiary tie, the enrollment context, and the retention window. The retention runs 10 years by default on the Scale plan with the audit-grade storage posture.
The AEP cockpit is the view the broker opens on October 15 and does not close until December 7. The cockpit has to answer three questions daily: who is next, who needs an SOA, who needs the plan review. The cards below are the eight panels on the shipped AEP cockpit.
The top panel shows today's scheduled touchpoints with the beneficiary, the stage (SOA request, plan review, enrollment), the appointment time, and the pre-call prep notes. The broker can start the call recording from the panel.
The SOA queue shows beneficiaries who need an SOA signed before plan discussion. The panel includes the SOA send status (sent, viewed, signed, pending), the compliance window, and the follow-up cadence. Beneficiaries without a signed SOA cannot move to plan review.
Beneficiaries with signed SOAs awaiting plan review surface in a dedicated panel with the appointment time, the current plan context, and the plan comparison prep. The broker can run the plan comparison with live carrier data during the appointment.
Enrollment applications submitted to carriers but not yet confirmed surface with the carrier, the submission date, the confirmation status, and any pending documentation. The panel ties to the commission expectation.
The conversion panel shows the daily and week-to-date conversion rate from touchpoint to SOA to plan review to enrollment. The broker sees whether the campaign is tracking against last year's benchmark or needs adjustment.
A dedicated panel flags any carrier appointment that is not current for AEP sales (expired, pending renewal, terminated). The broker cannot recommend plans without an active appointment. The panel surfaces before the issue blocks a sale.
The call recording panel shows enrollment calls awaiting recording confirmation (either confirmed stored or flagged for missing recording). CMS requires every enrollment call to be recorded with 10-year retention. Missing recordings flag for immediate attention.
The revenue pace panel shows daily enrollment count by product line (Advantage, Supplement, Part D), the commission accrual, and the pace against the AEP target. The broker and the agency manager see the campaign economics in real time.
A Medicare broker cannot ship AI drafts that violate CMS Marketing Guidelines. Strkr AI drafts in the compliant voice with retrieval scoped to the broker's CMS-approved collateral library. The jobs below show up in every Medicare agency deployment inside the first two weeks before AEP.
Strkr AI drafts the pre-AEP outreach SMS and email in CMS-compliant language anchored in the approved collateral library. The draft avoids any marketing claim that is not filed and approved. The broker approves and sends in a batch.
Before an SOA signature request Strkr AI drafts a plain-language explainer of what Scope of Appointment is, why it is required, and what plan types the beneficiary should consider authorizing. The explainer reduces confusion and increases SOA completion.
After a plan comparison Strkr AI drafts a compliance-safe plan recommendation anchored in the live plan data and the beneficiary's needs. The draft respects CMS rules on comparative claims and uses only approved descriptive language. The broker approves and shares with the beneficiary.
After an enrollment Strkr AI drafts a thank-you with the enrollment confirmation details, the plan start date, the ID card expectation, and the broker's continuing relationship note. The follow-up strengthens retention for the next AEP.
For leads approaching 65 Strkr AI drafts a birthday touch with the Medicare eligibility explainer, the Initial Enrollment Period dates, and the broker's offer to help. The outreach respects CMS pre-enrollment communication rules.
Each January Strkr AI drafts a post-AEP annual review for each enrolled beneficiary with the new year plan summary, the key changes versus prior year, the recommended usage patterns, and the broker contact for mid-year questions. The review strengthens retention through the plan year.
For a carrier appointment approaching expiration Strkr AI drafts the renewal reminder with the carrier, the required renewal steps, the deadline, and the risk of expired appointment during AEP. The broker renews before the critical window.
Most Medicare brokers try an insurance-generic CRM (AgencyBloc, Radius, Agency Zoom, Zoho) and bounce because the CMS compliance surface is weak. The comparison below is Strkr's Medicare posture versus a generic insurance CRM.
| Feature | Strkr | Generic insurance CRM for Medicare |
|---|---|---|
| SOA retention | 10 years default, tunable per tenant. | Standard document retention. |
| Call recording retention | 10 years on Scale plan. | Separate call center tool. |
| CMS filing status per asset | Shipped in collateral library. | Manual tracking in spreadsheet. |
| Carrier appointment tracking | Per carrier, state, product, year. | Custom field workaround. |
| Plan comparison integration | Connecture, Sunfire, SeniorEcho via webhook. | Manual lookup during call. |
| AEP campaign cadence | Shipped SOA-first cadence. | Generic campaign tool. |
| Beneficiary MBI object | Secure field with masking. | Standard text field. |
| Compliance audit log | CMS-audit-ready retention. | Standard CRM audit log. |
| HIPAA BAA | Available on request. | Typically not available. |
The playbooks below are patterns Strkr's onboarding team sees on Medicare agency cutovers, from the solo broker to the 180-agent captive agency.
A solo Medicare broker with 240 annual enrollments ran a spreadsheet for the book and paper SOAs in a filing cabinet. The 10-year retention was a liability. Strkr onboarding ran a nine-business-day migration with the SOA retention module and the plan comparison integration. The broker ran AEP with 42 percent less administrative friction than the prior year.
An 18-agent agency with operations in six states ran AgencyBloc at $360 per agent per month. The CMS compliance surface was a constant audit concern. Strkr onboarding ran a 22-business-day migration with multi-state carrier appointment tracking and CMS-filed collateral library. Monthly spend dropped by 48 percent.
A 42-agent call center agency ran a call center platform (Five9) separately from the CRM, with manual call recording retention. Strkr onboarding ran a 24-business-day migration with Five9 integration through the standard webhook spec and the call recording retention module. The 10-year retention runs cleanly without manual intervention.
A 72-agent Field Marketing Organization wanted a CRM to roll out across downline independent agencies. Strkr onboarding ran a 42-business-day migration on the Scale plan with multi-agency tenant structure, SAML SSO through Clerk, and verified domains. The downline agencies kept their autonomy with shared compliance infrastructure.
A 180-agent captive agency wholly focused on Medicare Advantage ran a legacy CRM from 2008. The system had reached end of life. Strkr onboarding ran a 60-business-day migration on the Scale plan with the Medicare-specific schema, the carrier appointment tracking, and the CMS collateral library. The AEP conversion rate climbed 12 percent year over year.
Book a 30 minute call. We will walk through the SOA retention module, the AEP campaign cadence, and the plan comparison integration with your actual carrier mix and territory shape.
Yes. The SOA module stores every signed Scope of Appointment with the beneficiary tie, the plan types permitted for discussion, the signing agent, the signing date, and the signature capture. The retention runs 10 years by default on the Scale plan with the audit-grade storage posture. The SOA can be delivered to the beneficiary through SMS, email, or in-person signature capture (on the agent's mobile device). The CMS rule that SOA must be signed before any plan discussion is enforced through workflow guardrails. The audit log preserves every SOA entry, edit, and retention action. Export for CMS audit runs through the published OpenAPI spec with the required metadata.
Strkr integrates with the major Medicare plan comparison platforms (Connecture Drug Compare and Plan Shop, Sunfire, SeniorEcho, My Medicare Advisor) through the standard webhook spec with HMAC signing. The broker runs the plan comparison in the preferred platform and the comparison results sync back to Strkr as an enrollment context document. For brokers without a comparison platform subscription Strkr includes a basic plan comparison view pulling the published CMS plan data (benefits, premium, deductible) through the Medicare.gov Plan Finder data stream. The basic view covers typical AEP needs for solo brokers and small agencies.
Yes through integration with the broker's call center platform (Five9, Genesys, Twilio Flex, RingCentral) via the standard webhook spec. The call recording captures on the call center platform and the recording transfers to Strkr's audit-grade storage with the beneficiary tie, the enrollment context, and the 10-year retention timer. The audit log preserves every recording event. For brokers using Strkr Messaging voice features (ships through the roadmap in 2027-Q1) the call recording integrates natively. For now the integration pattern through a call center platform is the standard approach. Call recording retention for 10 years is a Scale plan capability given the storage cost math.
The CMS MCMG regulates every piece of marketing collateral, every call script, every email, and every SMS used with Medicare beneficiaries. Strkr's marketing collateral library tags every asset with the CMS filing status (filed and approved, pending, non-filing-required), the HPMS material ID, the approval date, and the applicable use rules. Only compliant materials appear in the user-facing library. Strkr AI retrieval respects the approved collateral boundary and refuses to draft content that would create a non-compliant marketing claim. For agencies with their own compliance team the admin can configure the collateral review workflow with approval gates before publication.
Yes. The carrier appointment object tracks the broker's appointment with each carrier per state per product line (Medicare Advantage, Medicare Supplement, Part D, Dual Special Needs, Chronic Special Needs) per year. The record stores the current status (active, pending, expired, terminated), the appointment date, the expiration date, the renewal cadence, and the compliance training completion. The appointment status drives a plan recommendation guardrail that prevents the broker from recommending a plan they are not appointed for. The appointment renewal cadence runs 90 days before expiration with reminders at 90, 60, 30, and 7 days. Multi-state brokers see appointment status by state alongside the beneficiary's residence state.
An 18-agent Medicare agency typically runs on the Scale plan at $119 per seat per month for the compliance capabilities (SOA 10-year retention, call recording retention, SAML SSO through Clerk, verified domains, HIPAA BAA available on request). For 18 agents the monthly spend is $2,142. The AI add-on at $49 per month covers 5,000 model calls which handles pre-AEP outreach drafts, plan recommendation drafts, retention annual reviews, and carrier appointment reminders. SMS at two cents per message runs about $200 to $400 per month during AEP (lower outside AEP). The total monthly spend typically lands around $2,400 to $2,700 inside AEP. Compared to AgencyBloc ($360 per agent) plus a separate call recording system plus a plan comparison platform the Strkr math typically lands 35 to 50 percent lower.
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