Digital Call Recording Solutions: Compliant Options to Consider - Western Asset Protection
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Digital Call Recording Solutions: Compliant Options to Consider

Posted on by WAP Team

CMS has new marketing rules and guidelines that will impact how you work as an agent. One of the new rules, effective October 1, 2022, requires all sales calls with beneficiaries to be recorded in their entirety. This applies to all third-party marketing organizations including independent agents and brokers.

What is the New Call Recording Requirement?

  • Recording of all inbound and outbound sales calls along the full chain of enrollment including lead generation, marketing, and the enrollment process
  • Includes prospective clients and existing clients
  • Applies to calls for MA, PDP and MAPD plans
  • Recordings must be saved in a HIPAA compliant manner and be accessible for 10 years 

In addition to the recording requirement, this CMS required disclaimer must now be verbally conveyed within the first minute of a sales call:

“This call is being recorded. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options.‚Äù 

Do you need additional information? Our Frequently Asked Questions sheet will help you understand how this change applies to you.

We Can Help You Be Compliant

Western Asset Protection is making call recording capability available to our Agencies and Agents. Our parent company, Integrity is building call recording capability within MedicareCENTER. Here are the details.

This convenient call recording technology will be FREE for all of Western Asset Protection’s downline independent agents and brokers.

The recording capabilities will include:

  • Inbound and outbound call recording with store and download solutions
  • Call recording storage for 10 years as required by CMS
  • CMS required disclaimer for the beginning of each prospect call

Other Options Are Available

There is no requirement to use MedicareCENTER. You may choose to use a different vendor if you prefer. Keep in mind that if you do use a different vendor, you are responsible for entering into an agreement with that vendor and paying them directly.

Before entering into an agreement here are some questions you should ask:

  • Are the call recordings stored in a HIPAA-compliant manner?
  • Are the call recordings saved and accessible for 10 years? (CMS requirement)
  • Can you change your plan anytime?
  • What type of commitment is required?

Here are some additional options for vendors that provide digital call recording. While not a comprehensive list, it is a good place to start. You will need to vet these options to ensure they meet your needs. This article is not an endorsement of their services.

Educate Your Clients About What to Expect

Avoid awkward situations by explaining this new rule to your clients ahead of your sales calls. Tell them that if you meet remotely, you are requirement to record the call – and that this is a new CMS requirement that applies to all agents and agencies. If they are not comfortable with being recorded, offer to meet them in-person.

Also warn your clients to watch out for any agent who calls them on the phone and does not ask for permission to record the call. This is a red flag that they are talking with someone who is not compliant with the rules. Encourage them to call you anytime they have any questions.

Remember That We’re Here For You

There’s a lot to know about the new CMS call recording requirements and it’s important that you make sure you are compliant with the new rules. We are here to help. Contact us today. Your success is our business.

 

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We do not offer every plan available in your area. Currently, we represent 37 organizations that offer 1,855 products nationally.  Please contact Medicare.gov, 1‐800‐ MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

Final expense life insurance can be used by the beneficiary designated as needed rather than being limited to specific funeral services and providers. Final expense life policies will have a lower face value than most traditional term or whole life policies as they are intended for a specific purpose of covering those final costs rather than providing comprehensive support for surviving family members. This type of policy generally doesn’t require a medical exam, but premiums will be higher the older you are, and some benefit payouts may be limited during the first few years of coverage for those with significant health issues. Reducing or skipping premium payments will impact the amount of interest paid and may impact how long the policy lasts. Accessing the cash value of a policy will reduce the available cash surrender value and the death benefit. Policy guarantees are based upon the claims-paying ability of the issuing life insurance company.

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