An SOA is a form that defines which Medicare products an agent can discuss with a client during a one-on-one appointment. You can only talk about the products checked off on the SOA, so it sets clear boundaries for each meeting. Connecture’s platform even lets you send eScopes by text or email, making it easy for clients to sign. You can also get the SOA by collecting the info using RetireFlo.
SOA FAQs
Who needs to fill out the SOA, and when?
The client must sign an SOA before any individual appointment (in person, online, or by phone). You can use an SOA form from the carrier, or any CMS-approved form, including the digital options in Connecture or RetireFlo.
What’s the deal with the 48-hour rule?
CMS reinstated the 48-hour rule, meaning you need to collect the SOA at least 48 hours before the appointment. There are exceptions, though, if:
- The client’s enrollment period is ending in four days or less.
- The client initiates an unscheduled, walk-in meeting.
What does an SOA need to include?
- A CMS-approved form
- The client’s signature
- Completion 48 hours in advance of the appointment (unless there’s an exception)
Does the contact info on the SOA need to be specific?
Yes. The beneficiary should be able to reach the agent or agency listed on the SOA. If your agency is listed as the contact, then a licensed agent from your agency should be the one conducting the appointment.
Can I discuss other products not checked on the SOA?
Nope! You’re only allowed to cover the products checked on the SOA. If your client wants to explore other products, you’ll need a new SOA for those.
How long is an SOA valid?
The SOA is valid for that initial appointment, as long as the client is still deciding. If they need more time to think, you can use the same SOA for follow-ups within 12 months. However, you’re still limited to discussing only the products originally selected.
