Medicare supplement work is appointment work. The beneficiary has to trust the agent before a plan change happens, and trust is built in a conversation, not in a comparison sheet.
The conditional fit, stated up front
This page is a B fit. The product supports permissioned outreach from documented requests. It is not a tool for cold calling a purchased Medicare list, and nothing here is legal or compliance advice. Your state insurance department, your carriers and your own counsel set the rules you actually follow.
Where the calls come from
Quote requests, appointment requests, referrals from existing clients, and permission-based partner programs. Each source carries a different scope, and the scope is what determines whether the call happens at all. DialBreeze does not create permission. It dials the records you load, so the source field is doing real work.
Three workflows that carry this role
Turning 65 call. The eligibility date drives everything. Confirm the Part B start, the current coverage and the specific question, usually prescription coverage or plan letters.
Quote follow-up. The beneficiary requested a comparison and went quiet. The useful question is which part of the comparison created the hesitation.
Annual review call. Existing clients in the annual enrollment window for drug coverage still need a real review. That call produces retention and referrals.
Dispositions that fit a Medigap book
Appointment set, quote sent, wants a plan comparison, not eligible yet with a follow-up month, not interested, do not call permanently, wrong number. “Not eligible yet” should carry a date so a 64 and 9 month follow-up actually happens.
The specific rules that govern this role
16 CFR 310.4(c) and 47 CFR 64.1200(c)(1) cap solicitation calls at 8 a.m. through 9 p.m. local time at the called party’s location, and 47 CFR 64.1200(a)(10) requires honoring a revocation made by any reasonable means within a reasonable time not to exceed ten business days. Refresh National DNC Registry scrubbing at least every 31 days.
42 U.S.C. 1395ss sets the federal Medigap standards. It creates a six month period beginning with the first month an individual is 65 or older and enrolled in Part B, during which an issuer may not deny or condition coverage, and it bars a replacement policy from imposing a new pre-existing condition period when the replaced policy has been in effect for six months or longer. Those two rules shape the timing conversation on almost every call.
Recording requires all-party consent in Washington (RCW 9.73.030) and California (Penal Code 632). When a call touches protected health information, the HIPAA business associate framework at 45 CFR 164.504(e)(1) becomes relevant to the contracts around your tooling, not just to your carriers.
What the AI summary contributes
Eligibility date, current coverage, the specific question and who else is involved in the decision. The last detail is the most valuable one, because a spouse or an adult child who handles paperwork is often the real decision maker.
Cost and setup
Starter is $25 a month for one dialing seat. Pro is $49 a month and adds three lines, voicemail drop and AI summaries. Team is $79 a month for two dialing seats, plus $20 for each added dialer. Production calling runs on your own Telnyx account, billed separately.
Honest limits
DialBreeze keeps a human on the call, dials up to three lines, and produces after-call output that can be wrong. It does not determine eligibility, does not enroll anyone, and does not make outreach lawful. The 90-day window to 2026-09-26, measured in production use, recorded 37,411 dials and 9,367 summaries. Those are aggregate activity numbers.
Questions that come up on a Medigap call
“Which plan is best for me?” There is no single answer, and saying so is the honest approach. Ask about budget, doctors and prescriptions, then present the tradeoffs.
“Am I still in my window?” Eligibility and enrollment timing drive underwriting. Confirm the Part B start date and the birth month before discussing anything else.
“I have a policy already. Can I switch?” Under 42 U.S.C. 1395ss a replacement policy may not impose a new pre-existing condition period when the replaced policy has been in effect for six months or longer. Verify the specifics before you answer.
“Will my doctor take it?” That is a network and plan question, and the answer should come from the plan’s current directory rather than from memory.
A worked Medigap block
Twenty minutes of list preparation, confirming that every record has a documented request. Twenty five minutes of dialing. Fifteen minutes of review, sending only the documents the beneficiary asked about.
Records without a documented request should not be in the queue at all. That is the discipline that keeps this campaign in the permissioned lane.
Measures and their limits
Attempts, connects, appointments set and quotes sent. Appointments over connects is the honest conversion measure for this role, because the product decision happens in a conversation, not on the first call.
Never report an enrollment rate from a calling campaign alone. Enrollments depend on underwriting, plan availability and beneficiary timing, and none of those are calling outcomes.
Keeping protected information contained
This work produces health questions, which means recordings and transcripts contain sensitive details. Keep them inside authorized systems, confirm your agreements, and treat the HIPAA business associate framework at 45 CFR 164.504(e)(1) as relevant to how your tooling is contracted. Check ages and details against the recording before relying on them.