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Hero 2025 AEP guide

Providing comprehensive, clear, and actionable content this guide will empower you to approach the AEP with confidence and achieve better outcomes for you and your clients.


Section Links:

AEP Overview

2. Understanding Medicare Changes for 2025

3. Agent Preparation Checklist

4. Sales Strategies

5. Compliance and Ethical Standards

6. Training and Resources

7. Marketing and Outreach

8. Client Engagement and Retention

9. Technology and Tools

10. Agent Success Stories and Tips

Additional Elements

· Links to Complimentary Guides, Resources and Platforms available through PSM

· Quick Contact Sheet for immediate support from team leaders or help desks.

AEP Overview

The Annual Enrollment Period (AEP) for Medicare is a critically important time for both beneficiaries and insurance agents. It runs from October 15th to December 7th each year, during which Medicare beneficiaries have the opportunity to review and change their Medicare coverage.

This period allows individuals to enroll in, switch, or drop Medicare Advantage (Part C) or Prescription Drug (Part D) plans based on their current health needs and the plans available in their area. For agents, AEP represents a peak season where thorough preparation and understanding of all plan options are essential.

During this time, agents must be well-equipped to guide clients through the complexities of Medicare choices, ensuring that beneficiaries make informed decisions that best suit their medical and financial needs. It's a period marked by heightened activity and engagement, requiring agents to stay updated on all policy changes, new health plan offerings, and regulatory adjustments to provide the best advice and service to their clients.


Understanding Medicare Changes for 2025

For 2025, Medicare has introduced several key regulations and updates that will significantly impact beneficiaries and the way agents offer Medicare plans.

These changes include adjustments in premium structures, modifications to the coverage limits, and updates to the list of covered medications and services under Medicare Parts A, B, C, and D. Notably, there are revisions to the enrollment rules that aim to streamline the process and enhance accessibility for beneficiaries.

Additionally, Medicare Advantage plans may see alterations in network configurations and the introduction of new wellness programs aimed at promoting healthier lifestyles among seniors. For agents, understanding these updates is crucial in providing accurate and comprehensive advice to clients.

Staying informed about these changes ensures that agents can effectively navigate the landscape of options and help beneficiaries optimize their coverage based on the latest Medicare policies and benefits. This knowledge not only aids in maintaining compliance but also positions agents as trusted resource who are well-versed in the newest developments within the Medicare program.


Agent Preparation Checklist

For insurance agents, particularly those working within the Medicare space, maintaining current documentation and certifications is essential for compliance and effectiveness. Key among these is the AHIP (America's Health Insurance Plans) certification, which must be renewed annually to ensure agents are up-to-date with Medicare rules and regulations. This certification is crucial for demonstrating expertise in Medicare Advantage and Prescription Drug Plan enrollment processes.

Alongside AHIP and  carrier certifications, agents should also conduct a thorough inventory of their marketing materials and resources at the start of each AEP. This includes updating brochures, flyers, and digital content to reflect the latest Medicare information and ensuring all communications adhere to CMS guidelines.

Furthermore, technology plays a pivotal role in the efficiency and success of an agent's operations. Ensuring that CRM (Customer Relationship Management) systems are properly set up and integrated can dramatically improve how agents track client interactions, manage leads, and follow up on enrollments. Mobile apps and other software should be regularly updated to take advantage of the latest features and security enhancements. These tech tools not only streamline the management of client data but also enhance the overall customer experience by providing timely and accurate information.

By staying current with certifications, utilizing updated marketing materials, and leveraging advanced technology, agents can optimize their workflows and provide superior service to Medicare beneficiaries.

Download the checklist


Sales Strategies

For Medicare agents planning for 2025, defining target demographics is essential to tailor marketing and service offerings effectively. A multi-faceted marketing approach should integrate digital strategies like SEO and social media with traditional methods such as community seminars and direct mail, ensuring broad and effective client engagement.

Additionally, there are valuable cross-selling opportunities in offering ancillary products like dental, vision, and hearing plans, which are not covered under original Medicare. These plans address critical healthcare needs and can enhance client satisfaction and retention by providing comprehensive coverage solutions, thereby boosting the agent's role and increasing overall profitability.



At PSM Brokerage, we are deeply committed to ensuring that our agents are fully supported in navigating the complex landscape of compliance with the utmost confidence and ease. Our dedicated resources and experienced staff provide comprehensive compliance support and assistance, guiding agents through the intricate requirements set by CMS and other regulatory bodies.

We ensure that our agents are always updated on the latest changes and best practices in compliance, helping them maintain impeccable standards in all their dealings. This support not only helps safeguard our agents against potential compliance issues but also enhances their ability to serve their clients effectively.

By prioritizing a robust compliance framework, we empower our agents to focus on growing their business and building strong client relationships, secure in the knowledge that they are fully supported by a knowledgeable and dedicated team.


Training and Resources

At PSM Brokerage, we provide our agents with a comprehensive suite of complimentary training and resources designed to foster their professional growth and enhance their expertise in the Medicare market.

Our offerings include one-on-one mentorship, where seasoned professionals guide newer agents through the complexities of Medicare, offering personalized advice and sharing best practices. Additionally, we supply a wealth of agent resource guides that cover a wide range of topics from basic product knowledge to advanced selling techniques.

Our Medicare 101 training is particularly valuable for both novice and experienced agents, ensuring they have a solid foundation in Medicare fundamentals and stay updated on the latest changes and opportunities in the industry. This blend of personalized mentorship, detailed guides, and foundational training empowers our agents to excel in their roles and deliver exceptional service to their clients.


Marketing and Outreach

Let's put you on the map!

The PSM Marketing Hub is your gateway to a carefully crafted and compliant collection of premium, easy-to-use marketing templates designed by our marketing team with your needs in mind.

Discover marketing that’s not just accessible but intuitive. With the PSM Marketing Hub, you're equipped with everything you need to capture attention, foster relationships, and grow your business. Exclusively for PSM Brokerage agents, these resources are crafted to help you shine.


Client Engagement and Retention

For Medicare agents, mastering client consultations is essential to building trust and securing long-term relationships. Best practices include actively listening to clients' needs, clearly explaining options, and providing tailored solutions that align with their health and financial goals.

During consultations, agents must be adept at handling objections, which involves understanding the root concerns behind hesitations and addressing them with informed, persuasive responses that emphasize benefits and minimize perceived risks.

Following the Annual Enrollment Period (AEP), strategies for retaining clients include regular follow-ups to ensure satisfaction with their plans and to keep clients informed of any market changes or additional opportunities. Effective follow-up techniques include personalized communication through emails, newsletters, and check-in calls, which not only demonstrate continued commitment to client welfare but also keep the agent at the forefront of clients' minds for future needs or referrals.

These practices collectively help establish a reputation for reliability and client-focused service, which are crucial for long-term success in the competitive Medicare market.


Technology and Tools

Our cutting-edge, user-friendly system is designed to elevate your client service, supercharge your productivity, and empower you to take command of your business. The YourFMO Enrollment Center equips you to work with greater intelligence and efficiency, all in the pursuit of elevating your business to unprecedented heights.

  Plan Comparisons Presented Side-by-Side
Swiftly direct clients to the optimal coverage choices currently available.

 Built-In Quoting and Enrollment Features
Easily access the broadest range of Medicare Advantage (MA) and Prescription Drug Plan (PDP) options directly from a client's record for convenient electronic applications.


Agent Success Stories


To ensure a successful Annual Enrollment Period (AEP), insurance agents should adopt a multifaceted approach that encompasses several key strategies. 

  • Early preparation, agents can organize their activities and update themselves on the latest changes in Medicare plans.
  • Enhancing product knowledge is crucial for providing accurate and comprehensive advice to clients.
  • Leveraging technology, such as CRM systems and enrollment platforms, can streamline operations and improve efficiency.
  • Smart scheduling allows agents to manage their time effectively during the hectic enrollment period.
  • Utilizing multi-channel marketing helps expand reach and engage clients through various platforms.
  • Providing excellent customer service is essential for building trust and maintaining client relationships.
  • Handling objections professionally and following up diligently are also critical for securing enrollments and ensuring client satisfaction.


Links to Resources


Download Guide in printable PDF format here.