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Medicare Insurance Leads

Buy Exclusive Medicare Leads for Agents

Connect with seniors actively comparing affordable Medicare Supplement and Medicare Advantage plans. Real-time delivery during AEP, OEP, and year-round SEP windows.

What Are Medicare Leads?

Medicare leads from InsureLeads are exclusive, TCPA-compliant insurance leads generated from organic consumer search intent. Each lead is verified for valid contact information and confirmed interest before delivery. Available as live transfers, exclusive web leads, or aged leads across all 50 states with no long-term contracts.

  • Aged leads from $12/lead | Exclusive web leads $20-$40/lead
  • Delivery: real-time via phone, email, SMS, or CRM integration
  • Coverage: all 50 states with state, county, and ZIP targeting
  • No contracts required — flexible month-to-month plans

Why Medicare Leads Matter for Your Business

Medicare is one of the largest and most complex insurance markets in the United States, serving over 65 million beneficiaries and growing every year as baby boomers continue to age into eligibility. For licensed Medicare agents and agencies, the challenge is not a lack of demand — it is cutting through the noise to reach seniors at the right moment with the right information. Whether your focus is Medicare Supplement (Medigap) plans, Medicare Advantage (Part C), or Part D prescription drug coverage, having a steady pipeline of pre-qualified Medicare leads is essential for building a sustainable and profitable book of business.

The Medicare sales cycle is driven by enrollment windows — the Annual Enrollment Period (October 15 to December 7), the Open Enrollment Period (January 1 to March 31), and year-round Special Enrollment Periods triggered by qualifying life events. Smart agents do not wait until AEP to start building their pipeline. InsureLeads generates Medicare leads year-round by targeting seniors who are turning 65 and entering their Initial Enrollment Period, individuals who have recently moved and need to update their coverage, and beneficiaries who are dissatisfied with their current plan and researching alternatives. Our lead generation campaigns are built around organic search traffic and educational content — not misleading mailers or cold-call lists. This means the prospects we deliver to your agency have actively sought out Medicare information and are expecting to hear from a licensed professional.

Every Medicare lead from InsureLeads includes verified contact information, age confirmation, and the prospect's stated plan interest (Supplement, Advantage, or both). We generate leads that comply with CMS Medicare Communications and Marketing Guidelines, so you can focus on selling rather than worrying about compliance exposure. Our agents report close rates of 15-25% on live transfers and 8-15% on exclusive web leads — well above industry averages for Medicare. Whether you are a solo agent building your first Medicare book or a large call center staffing up for AEP, our flexible volume and format options scale with your business.

What Makes Our Medicare Leads Different

InsureLeads is not a lead aggregator. We generate our own leads through organic search campaigns and educational content — which means higher intent, better contact rates, and prospects who are expecting to hear from a licensed agent.

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Organic Lead Generation

Our medicare leads come from consumers who found us through organic search and educational content — not pay-per-click ads that generate low-intent clicks. This means every prospect has demonstrated genuine interest in medicare coverage.

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No Long-Term Contracts

We earn your business every month. There are no annual commitments, no lock-in periods, and no cancellation fees. Scale up when you need more medicare leads, scale down when you do not — you are always in control.

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TCPA Compliant

Every medicare lead is generated with proper consent documentation and TCPA compliance verified. We provide full opt-in records so your agency is protected from regulatory risk when contacting prospects.

Real-Time Delivery

Speed to contact is the #1 conversion factor in insurance sales. Our medicare leads are delivered within 30 seconds of form submission via email, SMS, or direct CRM integration — putting you first in line while the prospect's intent is highest.

The Medicare Lead Market: A Complete Guide for Agents

Medicare is the single largest insurance vertical in the United States by enrollee count, covering more than 65 million Americans across Original Medicare (Parts A and B), Medicare Advantage (Part C), Medicare Supplement (Medigap), and Part D prescription drug plans. Roughly 10,000 Americans age into Medicare eligibility every single day, and approximately 33 million are enrolled in Medicare Advantage — a number that has grown every year for two decades. For licensed health and life agents, Medicare is a calendar-driven business: the Annual Enrollment Period (AEP, October 15 to December 7) is the single largest revenue window of the year, followed by the Medicare Advantage Open Enrollment Period (OEP, January 1 to March 31) and year-round Special Enrollment Periods triggered by qualifying life events (moving, loss of employer coverage, institutional status changes, dual-eligibility). The three agent-facing product lines — MA, Medigap, and PDP — each pay differently: MA pays a CMS-capped full commission (roughly $626 initial and $313 renewal in most states for 2026, with higher rates in CA/NJ/CT/PA/DC/PR), Medigap commissions are carrier-set with no CMS cap, and PDP pays small ($100-$120) first-year commissions. Because of that economic mix, Medicare is the vertical where lead format and timing matter most — a live transfer on October 16 is worth multiples of the same lead delivered in August.

Why Agents Choose the Medicare Vertical

Medicare is the best vertical for agents who want recurring book value and can tolerate seasonal intensity. Each enrolled Medicare Advantage beneficiary produces roughly $300+ per year in renewal commission for as long as they stay on the plan, and Medigap lifetime values are even higher (6-8 year average policy life at 20-24% first-year plus 4-6% renewals). A producer who writes 100 MA and 30 Medigap applications across a single AEP can build $25,000-$40,000 in annualized renewal income in year one alone. The downsides: CMS compliance is the tightest of any insurance vertical, the AEP window is exhausting, and MA commission caps mean you cannot out-earn your way past volume limits — you must write more policies, not negotiate better rates.

Medicare Lead Economics: Cost, Close Rate, and ROI

Actual market ranges for medicare lead costs and close rates across the five most common lead formats. Use these numbers to build a break-even model before you scale.

Cost per Lead by Format

Lead FormatLowHighUnit
MA Live Transfer$45$85per connected call
Medigap Live Transfer$35$70per connected call
Exclusive Web Lead$18$40per lead
T65 (Turning 65) Lead$25$55per lead
Aged Lead (30-90 days)$2$8per lead

Close Rate by Format

Lead FormatLow Close %High Close %
Live Transfer15%25%
Exclusive Web Lead8%15%
T65 Lead12%20%
Shared Lead3%7%
Aged Lead2%5%
Average Commission
MA: $626 initial / $313 renewal (CMS 2026 baseline); Medigap: $250-$450 first year / $75-$125 renewals; PDP: ~$100 first year
Typical Time to Sale
3-10 days during AEP/OEP; 2-4 weeks outside enrollment windows. SOA must be collected 48 hours before enrollment (with limited exceptions).

Break-Even Math: A Worked Example

Worked example with exclusive web leads at $30 each at a 10% close rate: 50 leads cost $1,500 and produce 5 applications. Assume a blended product mix (3 MA, 1 Medigap, 1 PDP). First-year commission: 3 x $626 + 1 x $350 + 1 x $100 = $2,328. That is a 1.55x return on first-year commission alone. But the real value is year two and beyond: 3 MA renewals at $313 ($939/yr) plus 1 Medigap renewal at $100 continue for 4-6+ years. Projected three-year commission from that same 50-lead buy is roughly $5,100 — a 3.4x return. Break-even on $30 leads at typical product mix is roughly 6-7% close rate, so even below-average agents are profitable if persistency holds.

Which Medicare Lead Format Is Right for Your Agency?

Each medicare lead format fits a different operational profile. Match the format to your team size, experience level, and sales process.

FormatBest ForProsCons
Live TransferCall centers and experienced agents during AEP/OEP
  • Highest close rate (15-25%)
  • Prospect is on the phone at peak intent
  • Same-day enrollment possible outside 48-hour SOA window
  • Most expensive format
  • Requires live phone coverage
  • Volume spikes during AEP can overwhelm
Exclusive Web LeadAgencies with dialers and CRM integration
  • Predictable volume
  • Never resold
  • Mix of MA/Medigap/PDP intent
  • 5-minute speed rule is unforgiving
  • CMS compliance overhead on every contact
T65 LeadBuilding long-term book from first-time Medicare enrollees
  • Highest lifetime value
  • Buyer has no existing agent relationship
  • Can target 3-6 months before 65th birthday
  • Premium pricing ($25-$55)
  • Sales cycle of 30-90 days
Shared/Co-Reg LeadHigh-volume dialers and overflow capacity during AEP
  • Lower CPL ($8-18)
  • High volume during AEP
  • Sold to 3-5 agents
  • Prospects get call-bombed
  • Close rate falls to 3-7%
Aged LeadYear-round prospecting between enrollment windows
  • $2-8 per lead
  • Good for SEP outreach
  • Most prospects already enrolled
  • 2-5% close rate
  • Requires dialing volume

Medicare Lead Seasonality

Medicare volume and pricing are driven entirely by the enrollment calendar. AEP (October 15 to December 7) concentrates roughly 55-65% of annual agent-written volume into 8 weeks. Lead prices rise 30-50% above baseline during AEP, and live transfer availability becomes the binding constraint — most lead vendors cap or reallocate AEP inventory by September 1. OEP (January 1 to March 31) is the second wave, when dissatisfied MA enrollees switch plans; OEP volume is roughly 25-35% of AEP volume, with lead prices at or slightly below baseline. T65 leads run year-round because 10,000 people age in every day; the best T65 targeting starts 90 days before the 65th birthday, so January-March T65 leads are actually people turning 65 in April-June. SEPs fill the gaps — qualifying triggers (moving, losing employer coverage, 5-Star plan SEP, dual-eligible changes) produce steady weekly volume. Smart agencies pre-book AEP inventory in July, run T65 year-round, and use aged leads for SEP outreach in the quiet months of May-August.

Compliance Notes for Medicare Agents

Medicare is the most heavily regulated insurance vertical. CMS enforces the Medicare Communications and Marketing Guidelines (MCMG), which govern what agents can say, write, record, and advertise. Key rules: (1) Scope of Appointment (SOA) must be collected before discussing any MA, MAPD, or PDP product — 48-hour advance SOA is required except in limited walk-in/call-in exceptions. (2) All marketing calls must be recorded and retained for 10 years under the CMS Third-Party Marketing Organization (TPMO) rule. (3) The TPMO disclaimer ("We do not offer every plan available in your area...") must be read verbatim on every inbound and outbound call and included in all advertising. (4) Permission to Contact (PTC) is separate from TCPA consent and required before follow-up outreach. Violations can result in fines up to $119,164 per occurrence, plan termination for the carrier, and personal agent sanctions. InsureLeads Medicare leads include TCPA consent, TPMO-compliant disclosure logging, and PTC where collected. TCPA and DNC rules apply on top of CMS — Florida's FTSA in particular exposes agents to statutory damages, so documented consent is non-negotiable.

Common Mistakes Agents Make with Medicare Leads

Five avoidable errors that cut close rates on medicare leads — and the specific fix for each.

Mistake 1

Discussing plans before collecting SOA

Fix

Use a one-click e-SOA link sent via SMS at first contact, or a verbal SOA captured on recorded line with required script.

Mistake 2

Missing the TPMO disclaimer

Fix

Hardcode the disclaimer script into dialer opener and display it on the agent screen at call start.

Mistake 3

Buying generic "Medicare" leads without filtering by MA vs. Medigap intent

Fix

Split campaigns — MA leads and Medigap leads convert differently and should be worked by agents with matching carrier appointments.

Mistake 4

Under-ordering in August for AEP

Fix

Pre-book AEP inventory by August 1; premium live transfer capacity is gone by September.

Mistake 5

Ignoring T65 leads as "too early"

Fix

T65 prospects 90 days out are highest-LTV buyers in Medicare. Build a nurture sequence and set the enrollment appointment for their IEP month.

How to Buy Medicare Leads

Match your order to the calendar. For AEP (Oct 15-Dec 7), pre-book live transfer capacity and exclusive web leads by August 1 — expect to pay 30-50% more per lead than off-season but close at your highest rates. For OEP (Jan 1-Mar 31), focus on MA-intent web leads from prospects dissatisfied with their current plan. For year-round work, combine T65 leads (90-day lookforward to 65th birthday) with SEP leads triggered by moves and employer coverage loss. Start with a 2-week pilot: 30 exclusive web leads and 10 live transfers, filtered to 2-3 states where you hold MA and Medigap appointments. Track contact rate, SOA collection rate, application rate, and chargeback risk separately for MA vs. Medigap. Scale winners into the next AEP order. Always use CRM webhook delivery with sub-30-second speed-to-contact, record every call for CMS compliance, and keep a 10-year retention schedule on all marketing audio.

Why Choose Our Medicare Leads

Every medicare lead is pre-qualified, TCPA compliant, and delivered in real time.

Enrollment Period Targeting

We generate leads aligned with AEP (Oct 15-Dec 7), OEP (Jan 1-Mar 31), and year-round SEP triggers so you connect with seniors when they can actually enroll.

Plan-Specific Filtering

Filter leads by Supplement vs. Advantage interest, current coverage type, and specific plan needs to match your carrier appointments.

CMS Compliant

All lead generation complies with CMS Medicare marketing guidelines, including proper disclaimers and scope of appointment workflows.

Seasonal Scaling

Ramp up volume during AEP and OEP, scale down during off-season. Flexible contracts that match the Medicare sales cycle.

Compare Medicare Lead Types

See how each medicare lead format compares on cost, close rate, and ROI

Insurance agents choose between three lead delivery formats: live transfers (pre-qualified prospects warm-transferred to your phone in real time), exclusive web leads (fresh inbound form submissions delivered only to your agency), and aged leads (previously generated inquiries available at a fraction of real-time cost). Each format offers different tradeoffs between cost, close rate, and speed to contact.

The table below compares medicare lead formats across six key dimensions to help you choose the right lead type for your sales process and budget.

Comparison of Medicare live transfer leads, exclusive web leads, and aged leads by price, close rate, speed, best use case, delivery method, and ROI per $100 spent.
MetricLive TransfersExclusive Web LeadsAged Leads
Price Range$28–$55 per lead$20–$40 per lead$4–$12 per lead
Avg. Close Rate15–25%Highest8–15%3–6%
Speed to ContactInstant (live call)< 30 secondsAgent-initiated
Best ForLicensed Medicare agentsAEP/OEP enrollment teamsYear-round prospecting
Delivery MethodWarm phone transferEmail / SMS / CRMBulk CSV / CRM
ROI per $100 Spent+$200+$140+$275Best ROI

Which Medicare Lead Type Should You Choose?

Choose live transfers if you want the highest close rates (15–30%) and have a sales team ready to take calls in real time. Live transfers cost more per lead but deliver the best conversion rates because prospects are pre-qualified and warm-transferred directly to your phone.

Choose exclusive web leads if you want a balance of cost and quality. Web leads are delivered within 30 seconds of form submission and are never shared with other agents. They work best for agencies with CRM automation and disciplined follow-up processes.

Choose aged leads if you need high volume at the lowest cost. Aged insurance leads are 70–90% cheaper than real-time leads and work well for experienced dialers, training new agents, and building pipeline on a budget. Many aged lead prospects are still actively shopping for coverage.

Most successful agencies use a mix of all three formats — live transfers for highest-value closings, web leads for consistent pipeline, and aged leads for volume. Contact our team or view pricing to build a custom lead package.

Values shown are industry averages for medicare leads and may vary by state, agent experience, and follow-up speed. Close rates and ROI improve significantly with sub-5-minute response times and strong follow-up processes.

Medicare Lead Pricing

Medicare leads start at $12/lead for aged leads and $20-40/lead for exclusive real-time leads. AEP pricing may vary based on demand.

We offer volume discounts for agencies purchasing 500+ leads per month, and custom pricing for large call centers and FMO/IMO organizations. There are no setup fees, no platform fees, and no hidden charges — you pay only for the leads you receive.

Not sure which format is right for you? Start with a small batch of aged medicare leads to experience our lead quality firsthand, then scale into exclusive real-time leads or live transfers as your confidence and capacity grow. Most agents see positive ROI within their first week.

How Medicare Leads Work

1

Choose Your Lead Type

Select from 6 insurance verticals and 3 delivery formats. Customize targeting by state, demographics, and volume.

2

We Generate & Qualify

Our multi-channel campaigns capture high-intent consumers. Every lead is verified for valid contact info and genuine interest.

3

Instant Delivery

Leads are delivered to your preferred channel — phone, email, SMS, or CRM — within seconds of generation.

4

You Close & Grow

Connect with pre-qualified prospects ready to discuss coverage. Scale your volume as your book of business grows.

Medicare Lead ROI Calculator

Calculate the return on investment for buying medicare leads. Adjust volume, cost, close rate, and commission to see projected revenue.

How to use this medicare lead ROI calculator: Enter the number of insurance leads you plan to purchase each month, your expected cost per lead, your historical close rate percentage, and your average commission per closed policy. The calculator instantly shows your projected monthly revenue, total lead investment, net profit, return on investment (ROI), cost per acquisition (CPA), break-even close rate, and estimated deals closed per month.

This tool helps insurance agents and agencies evaluate whether medicare leads from providers like InsureLeads will be profitable based on their specific sales metrics. Industry benchmarks show that agents who respond to leads within 5 minutes see close rates 3–5× higher than those who wait 30+ minutes. See our Medicare lead options or view pricing to get started.

Adjust your lead investment parameters
Projected Monthly Revenue$7,200
Total Lead Investment$3,000
Net Profit$4,200
Return on Investment140%
Cost Per Acquisition$250
Break-Even Close Rate5%
Deals Closed Per Month12
Get a Custom Lead Package

Results are estimates based on industry averages. Actual results vary by agent experience, follow-up speed, and market conditions. See our pricing page for current lead costs.

What Medicare Agents Say

During AEP, InsureLeads was my primary lead source. The volume was consistent, the quality was outstanding, and their team adjusted targeting based on my feedback. Best Medicare leads I have used.

MS
Maria S.Medicare Specialist — Florida

The T65 leads are gold. Seniors turning 65 who actually need help choosing between Medigap and Advantage plans. My enrollments tripled compared to my previous vendor.

TB
Thomas B.Medicare Agent — Arizona

Good OEP and AEP leads. The live transfers during enrollment season kept my calendar full. Support team is responsive when I need targeting adjustments.

DK
Diane K.Licensed Medicare Advisor — Pennsylvania

Medicare Lead FAQs

Yes, InsureLeads significantly increases Medicare lead generation capacity during the Annual Enrollment Period (October 15 to December 7), which is the highest-volume Medicare sales window of the year. Over 65 million Americans are eligible for Medicare, and AEP is when most beneficiaries review and switch plans. We recommend reserving your AEP lead volume at least 30 days in advance to guarantee capacity.

Yes, InsureLeads allows you to filter Medicare leads by plan type interest. You can specify Medicare Supplement (Medigap), Medicare Advantage (Part C), or both. We also capture Part D prescription drug plan interest when available, helping you match leads to your specific carrier appointments and product specializations.

Yes, all InsureLeads Medicare lead generation campaigns fully comply with CMS Medicare Communications and Marketing Guidelines (MCMG). Every campaign includes required disclaimers, and we facilitate scope of appointment (SOA) documentation to protect your agency from compliance risk. This is critical because CMS violations can result in fines of up to $119,164 per occurrence.

Medicare lead close rates vary by format and agent experience. InsureLeads agents typically report 15-25% close rates on live transfers, 8-15% on exclusive real-time web leads, and 3-6% on aged leads. The two biggest factors affecting close rate are speed-to-contact (contacting within 5 minutes) and enrollment period timing (AEP and OEP convert at higher rates than off-season SEP leads).

Yes, InsureLeads generates targeted T65 campaigns for individuals approaching their 65th birthday and entering their Initial Enrollment Period (IEP). T65 leads are among the highest-converting Medicare leads because these prospects are first-time Medicare enrollees who must actively choose a plan. Approximately 10,000 Americans turn 65 every day, creating a consistent year-round supply of T65 prospects.

No, InsureLeads does not require contracts for Medicare leads. All plans are flexible month-to-month with no cancellation fees and no minimum commitment periods for web leads. You can scale up during AEP and OEP when demand peaks, scale down during off-seasons, or pause entirely. This flexibility is especially important for Medicare agents whose business follows the enrollment calendar.

During AEP, live transfers close at 18-25% and exclusive web leads at 10-15%. Outside AEP, rates drop roughly 30-40%. Agent experience and speed-to-contact matter more than carrier choice — the top quartile of agents closes roughly 2x the median.

Pre-book by August 1. Premium live transfer capacity is allocated by September, and by October 1 most vendors are sold out of their best inventory. Waiting until October means paying 20-30% more for leftover capacity.

Yes, SOA is required before discussing any MA, MAPD, or PDP product. The 48-hour advance rule has limited exceptions (inbound calls, walk-ins), but best practice is to capture SOA at first contact via e-signature or recorded verbal consent.

Under the CMS TPMO rule, agents must disclose: "We do not offer every plan available in your area. Currently, we represent [X] organizations which offer [Y] products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) to get information on all of your options." It must be read on every inbound and outbound marketing call and included in advertising.

CMS sets an annual commission cap. For 2026, the national baseline is roughly $626 initial/$313 renewal on MA and MAPD, with higher rates in California, New Jersey, Connecticut, Pennsylvania, DC, and Puerto Rico. Commissions are paid by the carrier, but the cap is set by CMS and cannot be exceeded.

Medigap has no CMS cap. Carriers typically pay 20-24% first-year on annual premium ($400-$600+ per policy) and 4-6% renewals. Medigap policies average 6-8 years of persistency, so lifetime value per sale often exceeds MA, despite MA paying higher first-year.

T65 leads are prospects approaching their 65th birthday and entering their Initial Enrollment Period. They have no existing Medicare relationship, must actively choose between Original+Medigap and Medicare Advantage, and produce the highest lifetime value in the Medicare book. Best-worked 60-90 days before the birthday month.

Yes, year-round via SEPs (Special Enrollment Periods) triggered by moves, loss of employer coverage, 5-Star plan SEP, and dual-eligible status changes, plus T65 IEPs. Volume is lower (roughly 20-30% of AEP weekly pace) but competition is also lower.

Yes, DSNP-specific campaigns are available where permitted. Dual-eligible prospects (Medicare + Medicaid) have a monthly SEP, so the book builds year-round. Commission matches standard MA.

MA (Medicare Advantage, Part C) replaces Original Medicare with a private plan. MAPD is MA bundled with Part D drug coverage. Medigap is a supplemental policy that pays secondary to Original Medicare. Leads convert differently — MA and MAPD close faster during AEP; Medigap sells year-round to seniors who prefer Original Medicare.

During AEP, $55-$85 per connected call is market; off-season prices run $40-$60. Medigap-specific transfers run slightly lower ($35-$70). Compare CPL to close rate — a $65 transfer at 22% close rate (roughly $295 cost per sale) against a $626 first-year MA commission returns more than a $30 web lead at 10% close rate.

Many do. Most lead forms capture primary interest (MA, Medigap, or both) and flag drug plan interest when mentioned. Standalone PDP leads exist but carry lower commission ($100 first-year) so most agencies bundle PDP into MAPD or Medigap conversations.

InsureLeads leads carry TCPA consent and PTC where captured. The 48-hour SOA is the agent's responsibility at the product conversation stage — most agencies capture SOA on first contact via e-signature, then schedule the product discussion 48 hours later unless a valid exception applies.

You cannot filter by carrier (CMS prohibits steering), but you can filter by state, county, age band, and MA vs. Medigap intent. Ensure your carrier portfolio covers the geography you target.

Common choices include Medicareful, Sunfire, Connecture, Integrity, and HubSpot with a Medicare-specific pipeline. Required capabilities: CMS-compliant call recording with 10-year retention, SOA storage, PTC tracking, and webhook ingestion for sub-30-second lead delivery.

Ready for Medicare Leads?

Start receiving pre-qualified medicare leads today. No long-term contracts, TCPA compliant, and exclusive to your agency.