The Triple-A Sales System

The Triple-A Sales System: Newsletter # 42 - October 20, 2026

newsletter
October 20, 2026•2 min read

ATTENTION

Quick Hits: Navigating 2027 Medicare Plan Exits

As non-renewal notifications arrive and this week more people are aware that their plan is leaving, panic often sets in for those affected beneficiaries. However, for proactive advisors, like yourself, these market shifts represent a prime opportunity to deliver immense value. Here is what you need to keep top of mind:

1. The Dec 31 SEP vs. The Dec 7 AEP Cutoff

  • Don't rush into bad decisions: While standard AEP ends on December 7, beneficiaries affected by plan non-renewals qualify for a Plan Non-Renewal Special Enrollment Period (SEP). Conduct Annual Medicare Plan Reviews with existing customers and new customers who will need to make decisions by December 7 FIRST.

  • Deadline Extension: This SEP allows displaced policyholders to select a new Medicare Advantage or Part D plan through December 31 to guarantee seamless coverage starting January 1.

  • (Note: The SEP technically extends through the last day of February, but enrolling by 12/31 prevents any gap in 1/1 coverage).

2. Guaranteed Issue (GI) Rights for Medigap

  • No Medical Underwriting: When an MA plan exits or non-renews, beneficiaries gain Federal Guaranteed Issue (GI) rights to switch back to Original Medicare and purchase certain Medicare Supplement (Medigap) plans without answering health questions.

  • Critical Lifeline for Chronic Illness: This is a game-changer for clients facing complex medical conditions or high healthcare utilization who risk maxing out high Maximum Out-of-Pocket (MOOP) limits on another Advantage plan. A Medigap policy provides predictable out-of-pocket costs and open provider access when they need it most.

3 Compliant Ways to Conduct Plan Exit & Annual Reviews

When engaging displaced clients or existing policyholders, compliance remains priority #1. Use these three compliant meeting frameworks:

Positioning Your Agency

Make sure your existing database and local community know you are ready to help:

Positioning Message:
"Received a plan non-renewal notice? Don't stress the Dec 7 deadline. You have specific Special Enrollment rights and guaranteed coverage options through Dec 31. Contact us today for a complimentary Plan Exit & Annual Medicare Review."

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Ready to Scale Your AEP Production?

Here are 2 ways we can work together to refine your sales process before peak season:

4-Week 1:1 Accelerator Program: A personalized, deep-dive coaching experience to master the Triple-A Sales System, eliminate objection-handling struggles, and build a high-retention AEP engine.

90-Minute Intensive: A targeted, high-impact strategy session to audit your current pitch, refine your opener, and lock in your AEP game plan.

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