Everything You Need for
Accurate SEP Determinations
SmartSEP combines an adaptive question engine, real-time geography resolution, and carrier-aware filtering into a single tool built for how agents actually work.
2-Phase Adaptive Determination
Phase 1 runs the moment you submit MARx data — eliminating SEPs that are mathematically impossible based on age, enrollment status, Part A/B dates, and geography. No questions asked yet.
Phase 2 presents only the remaining categories. Each probing answer triggers a re-evaluation that confirms, eliminates, or narrows SEPs in real time. You control which categories to explore and when to stop.
The result: Every SEP reduced to only what matters — in seconds, not hours of manual cross-referencing.
Phase 1 — MARx Elimination
Phase 2 — Probing Confirmation
Built for Speed and Accuracy
Every feature exists to eliminate guesswork and reduce the time between a client conversation and a confident answer.
Geography-Aware
Enter a zip code — SmartSEP resolves the county via FIPS, identifies the state, and checks the CMS landscape for D-SNP, C-SNP, and INT plan availability in that exact market. Multi-county zips get a selector.
Carrier Appointments
Configure which carriers you're appointed with. SmartSEP filters INT and C-SNP plan availability to only the carriers you can actually sell — so you never waste time on plans outside your book of business.
Complete SEP Details
Every confirmed SEP shows the enrollment window (start and end dates), eligible plan types (MA-Only, MAPD, PDP, D-SNP, C-SNP), verification requirements, situation number, and any applicable notes.
Save & Resume
Every determination is saved automatically. Come back later, pick up where you left off, or review past determinations from your history. Mark complete when you're done.
Web + iOS
Use SmartSEP on your desktop browser at app.smartsep.net or download the iOS app. Your account, subscription, and full determination history sync across devices.
Enterprise-Grade Security
HTTPS everywhere via Cloudflare, bcrypt password hashing, parameterized SQL queries, JWT tokens with short expiry, rate-limited auth endpoints, and security headers (HSTS, CSP, X-Frame-Options).
Every CMS-Recognized SEP
SmartSEP covers every major Special Election Period recognized by CMS. Each one includes situation-specific logic, time window calculations, and plan eligibility rules.
Try SmartSEP Free
5 determinations per month, no credit card required. See the engine in action on your next client call.
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