Medicare leads for agents and agencies — engineered for the entire Medicare year.

Medicare leads are consumer inquiries from people who are Medicare-eligible — turning 65, in an Annual Enrollment Period (AEP), Open Enrollment Period (OEP), or a Special Enrollment Period (SEP) — who have given express written consent to be contacted by a licensed agent about Medicare Advantage, Medicare Supplement (Medigap), Part D, or DSNP plans. A real Medicare lead carries verified residency, an age that maps to a Medicare enrollment window, and a TCPA + CMS TPMO consent record.

The Medicare lead market breaks into three primary categories: Medicare Advantage (MAPD/MA) leads for Part C plans, Medicare Supplement (Medigap) leads for Plan G, Plan N, and high-deductible Medigap, and Turning 65 (T65) leads for aging-in prospects making their first Medicare decision. DSNP, chronic-condition SEP, and Part D leads are sub-categories that sit underneath those three, usually delivered as filters on a Medicare Advantage program.

Medicare Advantage leads are prospects shopping Part C (MAPD) plans — bundled medical, hospital, drug, and ancillary coverage administered by private carriers. Medicare Supplement (Medigap) leads are prospects keeping Original Medicare and shopping a standardized supplement (Plan G, N, etc.) plus a separate Part D drug plan. The two audiences shop differently, convert differently, and require different compliance posture — Medigap is not regulated under CMS TPMO marketing rules, while Medicare Advantage is.

T65 (Turning 65) leads are prospects in the seven-month Initial Enrollment Period window around their 65th birthday. They are first-time Medicare buyers, year-round in nature, and tend to be the highest-LTV segment of the Medicare lead market because the first plan they pick is often the plan they keep for years. T65 leads are typically priced higher than in-AEP leads and require their own creative, qualification flow, and follow-up cadence.

It depends on the agency. Medigap leads convert at a higher rate per dial but at a lower premium per policy. Medicare Advantage leads convert at a lower rate per dial but at meaningful renewal-commission economics. T65 leads have the highest lifetime value but require longer nurture cycles. The right mix is a function of carrier contracts, agent capacity, AEP versus year-round posture, and DSNP exposure — we map this for every program before any media goes live.

Compliantly generated Medicare leads come from owned-and-operated paid media campaigns — search, social, native, and display — pointed at TCPA-compliant landing pages that capture the prospect's name, contact data, ZIP, Medicare eligibility window, and express written consent (with the CMS TPMO disclaimer where Medicare Advantage is involved). OneLife does not use incentivized sign-ups, co-registration paths, syndicated lists, or scraped data.

OneLife Medicare leads are. Every Medicare lead — MA, T65, or Medigap — is captured under express written TCPA consent with timestamped IP, user agent, and full consent language retained for seven years. On Medicare Advantage records the CMS TPMO disclaimer is presented and acknowledged on the form itself, not added on the call. Aggregator and shared-list vendors are inconsistent on this point; ours is enforced at the platform layer.

Six attributes: verified residency in a state where you're licensed, age that maps to a real Medicare enrollment window, the correct enrollment-window flag (T65, AEP, OEP, SEP), express written TCPA consent (plus CMS TPMO disclaimer for MA), valid reachable contact data, and exclusivity to a single agency. If any one of those is missing, the lead is structurally lower quality — regardless of price.

Exclusive Medicare leads are sold once and produce dramatically higher contact, quote, and close rates than shared leads, which are typically sold to six to ten agencies simultaneously. Shared leads can work for high-velocity call-center economics, but for most agencies — and almost all independent producers — exclusive is the correct default. We cover the full trade-off in the Exclusive vs Shared Insurance Leads comparison.

Yes. OneLife treats Medicare as a twelve-month system — AEP and OEP for in-window MA enrollments, year-round T65 for aging-in volume, year-round Medigap for Original-Medicare shoppers, and continuous SEP/DSNP/chronic-condition flows. Agencies that only buy during AEP overpay during the peak and starve the rest of the year.