24/7 intake, plan eligibility pre-screening, enrollment follow-up, and commission tracking — built for AEP volume and CMS marketing compliance.
From October 15 to December 7, Medicare Advantage and Part D enrollment drives the highest call volume of the year. Agents can't take every call, so prospects wait on hold, leave voicemail, or drop off entirely. Each lost lead is a lost lifetime commission.
Seniors don't stop thinking about Medicare at 5 PM. Questions about drug formularies, network providers, and enrollment deadlines come in evenings and weekends. Agencies that can't answer quickly lose trust and lose enrollments.
The Medicare Communications and Marketing Guidelines prohibit specific language, require specific disclosures, and mandate recording retention. One compliance misstep from an unmonitored agent call can trigger a state examination or CMS audit.
New lead triage, eligibility pre-screening (Medicare vs ACA vs group), routing to the right licensed agent. Monitors PDP/MA-PD enrollment windows with proactive reminders.
Lead follow-up within 60 seconds, Medicare consult scheduling, AEP cadence nudges. Especially valuable during the Oct 15–Dec 7 AEP surge.
Portal login help, enrollment form assistance, Medicare.gov cross-referencing, e-signature follow-up. Resolves routine blockers, escalates licensing-required questions to human agents.
Commission statement reconciliation across carriers, renewal-date monitoring, cancellation risk flagging. Never makes licensing-scoped representations without agent approval.
SEP eligibility monitoring, AEP prep calendar, OEP follow-up coordination across agents. Nothing falls through the cracks during the busiest months.
The Centers for Medicare & Medicaid Services publishes detailed Medicare Communications and Marketing Guidelines annually, governing what brokers and agents can say when marketing Medicare Advantage and Part D plans. These rules — rooted in 42 CFR Part 422 (Medicare Advantage) and Part 423 (Medicare Part D) — cover everything from permitted contact methods to required disclosures to call recording retention. State-level conduct requirements from the New Jersey Department of Banking and Insurance apply in parallel.
MoeCloud is designed with these expectations in mind — human-in-the-loop approval for any licensing-scoped statement, configurable call and communication recording, disclosure prompts built into agent scripts, and outbound contact to beneficiaries that stays off until you explicitly enable it. Agents are configured not to make plan comparisons, enrollment recommendations, or benefit representations that are the licensed agent's responsibility; they triage, schedule, follow up, and coordinate. You remain responsible for CMS marketing compliance, required disclosures, and recording retention.
Stacy, our commission tracking agent, operates only on reconciliation and reporting. Commission payments from carriers flow directly to your agency's existing processes. Stacy flags discrepancies, tracks pending statements, and monitors renewal commission drop-offs — but does not initiate or modify any financial transactions. Carrier relationships, AOR (Agent of Record) changes, and licensing-linked activities remain under your agency's direct control.
Agents run on ElevenLabs v3, which natively supports Spanish across all agent voices. Bilingual English/Spanish deployment can be activated in 1-2 weeks during onboarding — including Spanish-language intake routing, script templates, email confirmations, and call recording metadata that you can retain to support your CMS recordkeeping.
MoeCloud's founder is bilingual and leads client engagements personally during onboarding. For agencies serving NJ, NY, or FL Hispanic and Latino communities, this is production-ready capability, not a roadmap feature.
Sunfire (primary integration), HealthSherpa, Connecture DRX
AgencyBloc, Radius, Salesforce Health Cloud
Gmail / Microsoft 365 with carrier portal integration
Google Calendar / Outlook
Native Twilio recording, with optional integration to your recording/QA tooling; retention is configured to meet your CMS obligations
Google Cloud Platform (Firebase, Cloud Functions, Cloud Storage), using the provider's encryption for data in transit and at rest
Every licensing-scoped interaction gated to agent approval; call recording configurable during onboarding
MoeCloud Group is affiliated with the Statewide Hispanic Chamber of Commerce of New Jersey — the largest chamber in the state, advocating for Latino-owned businesses across New Jersey. MoeCloud's founder is of Hispanic descent and supports the growth of Latino entrepreneurship through direct community engagement.
Thomson Reuters' 2025 Future of Professionals Report found that organizations with a clear AI strategy are 3.5 times more likely to experience critical AI benefits than those taking an ad-hoc approach.
Gartner predicts over 40% of agentic AI projects will be canceled by the end of 2027, due to escalating costs, unclear business value, or inadequate risk controls. MoeCloud's architecture — human-supervised, fully logged, integrated into existing agency workflows — was designed to address exactly those failure modes.
3 agents. Best for agencies under 10 licensed agents.
All 5 agents. Recommended for multi-carrier agencies.
Multi-state, custom integrations, custom SLA terms available.
New brokerage clients start with a 30-day proof engagement at the standard monthly rate. If the agents haven't demonstrably reduced your lead response time and enrollment follow-up cycle by day 30, we refund the month in full. No discounted pilot pricing — we don't anchor you to a number we can't sustain.
Case study forthcoming — NJ-based Medicare brokerage. Baseline metrics under collection.
Agent-to-beneficiary contact is designed to be triage and scheduling only. The MoeCloud agents (Joshua, Jordan, Chad) are configured not to make plan comparisons, benefit representations, or enrollment recommendations — those are your licensed agents' responsibility. Call recording and retention are configurable during onboarding; you and your team remain responsible for setting retention to meet CMS requirements and for producing records in a state or CMS audit.
No. Stacy tracks, reconciles, and reports. She does not modify AOR status, initiate carrier payments, or make changes to agency financial records. All financial actions remain with your agency's existing processes.
Agents run on ElevenLabs v3 with native Spanish support. Bilingual English/Spanish deployment is activated during onboarding — typically 1-2 weeks. The founder is bilingual and personally leads Hispanic-market client engagements through setup.
AEP (Oct 15 – Dec 7) is when MoeCloud earns its keep. Jordan and Joshua scale horizontally — there is no phone-line limit. Leads are answered, triaged, and routed to human agents in under 60 seconds even during the peak Monday after Thanksgiving.
MoeCloud integrates with Sunfire for quote generation, enrollment submission status tracking, and agent activity logging. HealthSherpa and Connecture DRX are supported as alternative enrollment platforms. AgencyBloc and Radius are supported for CRM sync.
A standard Sunfire + AgencyBloc agency is live in 2-3 hours for English-only operation. Bilingual deployment adds 1-2 weeks for Spanish script templates, voice routing, and bilingual email templates. Multi-carrier or multi-state agencies typically take 1-2 business days.
We monitor the CMS Medicare Communications and Marketing Guidelines release each spring and update agent behavior before the October AEP. If interim guidance changes the compliance landscape, we update and notify you of what changed and why. This is included in all plans, not an add-on.
Book a 20-minute demo with Jordan. We'll show you the agents running live on a brokerage workflow — lead answer to enrollment follow-up.