Retain Clients for 2025 OEP: TLDCRM & EBR

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2025 Open Enrollment: Retain Clients Compliantly with TLDCRM & The EBR

The 2025 Open Enrollment season is near. For insurance agencies and brokers, customer retention is key. TLDCRM helps insurance agents achieve this. The healthcare landscape is constantly changing. Understanding and using regulatory exemptions, like the Established Business Relationship (EBR), is vital.

At TLDCRM, we know your challenges. These include evolving CMS one-to-one consent rules for TPMOs. We also understand the need for proactive client engagement. Our platform offers powerful tools. They help boost your customer retention. They also ensure you follow FCC TCPA guidelines.

Understanding the Established Business Relationship (EBR) Exemption

The FCC TCPA has an Established Business Relationship exemption. It lets you contact consumers you’ve interacted with. This is crucial for insurance agents. It helps maintain ongoing relationships. You won’t always need new consent for every outreach.

Here’s how the EBR works:

  • The 18-Month Transactional EBR: A consumer makes a purchase or financial transaction. You can call them. This lasts up to 18 months. Offer additional, relevant services. No regulated dialing technology is needed.
  • The 90-Day Inquiry-Based EBR: A consumer inquires about your products. Or they apply for services. You can call them. This lasts up to 90 days. Follow up on their inquiry. Again, no regulated dialing technology is required.

Important Compliance Note: These exemptions mainly cover calls to landlines. If any client tells you not to call, you must honor that request. This applies to landlines and mobile phones. Also, remember the CMS one-to-one consent rule for Third-Party Marketing Organizations (TPMOs). It’s still active for Contract Year 2025 (starting October 1, 2024). Explicit, written consent is needed. This applies before sharing beneficiary information with another TPMO.

TLDCRM: Your Partner for Compliant Retention

Maintaining EBR compliance and other rules, like the CMS one-to-one consent rule, needs precision. TLDCRM offers features to define, track, and manage these relationships. This ensures your retention efforts are both strong and compliant.

  • Robust Reporting: Get clear insights into your clients. TLDCRM’s reporting shows client activity. It details policy information and communication history. Identify clients who need proactive outreach. Measure your retention efforts. This data-driven approach helps you tailor strategies. It boosts impact during Open Enrollment and beyond.

  • Intelligent Customer Relationship Management (CRM) Tools: Build stronger, lasting connections. TLDCRM’s CRM streamlines client interactions.

    • Scheduled Callbacks: Never miss a client. Set automated reminders. Call clients within their EBR windows. No opportunity is lost.
    • Follow-Up & Welcome Reminders: Personalize your client’s journey. Automated welcome messages create a good first impression. Timely follow-up reminders keep you top-of-mind. Consistent outreach builds loyalty.

  • Seamless Email and SMS Capabilities: Communicate efficiently and compliantly. TLDCRM’s integrated email and SMS tools help you reach clients. Send targeted messages. Respect client preferences and rules.

    • Send timely renewal notices. Share policy updates or new benefits via email.
    • Use SMS for quick reminders. These include appointments, document submissions, or 2025 Open Enrollment deadlines.
    • Compliance Support: TLDCRM helps you manage consent. Document it easily. This helps you follow important communication rules. It’s especially critical for Medicare beneficiaries and data sharing under CMS regulations.

Using TLDCRM’s powerful features, insurance agents can confidently approach the 2025 Open Enrollment season. Maximize customer retention. Capitalize on established relationships. Stay compliant with FCC TCPA and CMS rules.

Ready to boost your retention strategy for growth?

Contact us today to learn how TLDCRM can support your agency.