Know If Your Medicare Lead Qualifies — Before You Quote
One wrong SEP determination means a rejected enrollment, a clawback on your commission, and a client who stops trusting you. SmartSEP confirms exactly which SEPs apply — in seconds, not hours.
You Know This Feeling. You’re on a Call and You’re Not 100% Sure.
- ✗ Your lead says they moved last month — you can’t remember if the MOV window is 60 days or starts the month before the move date
- ✗ A client just got Extra Help and you’re not sure which plan types the LIS SEP actually allows — PDP only? MAPD too?
- ✗ You submitted an enrollment last week and now you’re lying in bed wondering if that SEP was actually valid
- ✗ Your lead has Medicaid but you don’t know if any D-SNP plans are even available in their county
- ✗ You’re flipping between a 2025 CMS memo and a 2026 update trying to figure out if a rule changed — while your lead waits on the phone
Every time you guess, you gamble your commission.
What One Wrong SEP Costs You
- ✗ Commission clawback — you did the work, drove to the appointment, spent the hour. You don’t get paid.
- ✗ Compliance flag on your record — too many rejected enrollments and carriers start asking questions.
- ✗ Your client trusted you — they thought they were enrolled. Now they get a rejection letter and they’re calling you, confused.
- ✗ That time is gone — the appointment, the drive, the follow-up calls. You can’t bill for any of it.
- ✗ Carrier risk — repeated bad submissions can jeopardize your appointments with that carrier entirely.
Now Imagine Having This in 30 Seconds
Example SEP Determination
No guessing. No CMS lookup. Just the answer.
SmartSEP Gives You the Answer — While Your Lead Is Still on the Phone
Enter the MARx data you already have — Part A/B dates, date of birth, zip code, current plan. SmartSEP’s engine eliminates impossible SEPs in real time, then asks only the follow-up questions that actually matter. In under 30 seconds you get confirmed SEPs with exact enrollment windows, eligible plan types, and the verification documents your client needs to provide.
Every CMS-recognized SEP — not just the common ones
Exact enrollment window dates — not “you might qualify”
County-level plan filtering — knows what’s available where your client lives
Verification requirements — tells you what documentation to collect
Built for How You Actually Work
Three scenarios you’ll recognize from this week.
📞 Live Call Qualification
You’re on a call and the lead mentions they moved two months ago. Instead of putting them on hold while you dig through CMS guidelines, you open SmartSEP, enter their zip code and MARx data, and in 20 seconds you know they qualify for the MOV SEP with an enrollment window through the end of next month. You keep selling without breaking stride.
📆 Post-AEP SEP Mining
AEP is over but you have a stack of leads who didn’t enroll. Instead of writing them off until next October, you run them through SmartSEP to find out which ones qualify for a SEP right now. That lead who turned 65 in February? IEP window is still open. The one who lost employer coverage? SEP confirmed. Dead leads become live appointments.
🔍 D-SNP & County Verification
Your lead has Full Benefit Medicaid and you’re pretty sure they qualify for the INT SEP — but are there actually D-SNP plans available from your carriers in their county? SmartSEP checks plan availability for that specific county, filtered by your carrier appointments, and tells you instantly. No more guessing or logging into five carrier portals.
Every Feature Exists to Save You Time or Make You Money
This isn’t a generic compliance tool. SmartSEP is built around how Medicare agents actually sell.
Every SEP, Not Just the Common Ones
Every CMS-recognized SEP including IEP, ICEP, INT, CSN, LIS, MOV, and more. No gaps.
County-Level Accuracy
Knows which plans are available in your client’s specific county — not just their state. Updated every plan year.
Exact Enrollment Windows
Calculates the specific effective dates for each SEP. Not “you might qualify” — actual dates you can act on.
Filtered by Your Carriers
Set your carrier appointments once. SmartSEP only shows plans from carriers you’re actually appointed with.
Compliance You Can Trust
See verification requirements for every SEP so you know exactly what documentation to collect before you submit.
Desktop, iPhone, or iPad
Web app or iOS — run a check at your desk or on the go at a kitchen table appointment. Determinations sync across devices.
What Agents Are Saying
Feedback from agents using SmartSEP in their daily workflow.
“Had a lead tell me she moved from Broward to Palm Beach county. I used to have to check if her D-SNP plan was even available in the new county — that alone could take 10 minutes in the carrier portal. SmartSEP told me in like 15 seconds which plans were available and that the MOV window was still open. Closed it on the same call.”
— Licensed Agent, FL
“I mostly use it for the LIS and INT SEPs because those rules are honestly confusing. Does Full Benefit Medicaid trigger INT or just LIS? What about QMB-only? I don’t have to memorize it anymore — I just enter the info and SmartSEP figures it out. One less thing to second-guess.”
— Independent Broker, TX
“After AEP I had about 40 leads who didn’t enroll. Ran the ones I had MARx data for through SmartSEP and found 6 that qualified for SEPs I wouldn’t have caught on my own. Two IEPs, one ICEP, and three MOVs. That’s six enrollments I would have missed.”
— Medicare Sales Agent, NC
Three Steps. Confirmed SEPs. That’s It.
No manuals. No cross-referencing CMS guidelines. Just enter what you already know from the MARx lookup.
Enter Client Details
Part A/B dates, date of birth, zip code, and current plan — the data you already have from your MARx lookup. Takes about 15 seconds.
SmartSEP Analyzes Eligibility
The engine instantly eliminates impossible SEPs based on the hard facts, then asks only the relevant follow-up questions. No wasted clicks.
Get Actionable Results
See confirmed SEPs with exact enrollment window dates, eligible plan types filtered by your carriers, and the verification documents you need to collect. Ready to submit.
One Correct SEP Can Pay for a Year.
A single valid enrollment can be worth hundreds in commission. SmartSEP helps you find those enrollments faster.
- ✓ 5 SEP checks per month
- ✓ All CMS SEPs covered
- ✓ Full determination history
- ✓ Geography + carrier filtering
- ✓ Unlimited SEP checks
- ✓ All CMS SEPs covered
- ✓ Full determination history
- ✓ Priority support
Stop Guessing. Start Closing.
The next time a lead mentions a life change, you’ll know exactly which SEPs apply — before they even finish the sentence.
Run Your First SEP Check Free →