The best CRM for Medicare agents, priced for an AEP month on the phone
Every Medicare CRM list on the first page of Google is written by a CRM vendor ranking itself first on a feature grid. None of them says what your AEP actually costs: the software, the phone minutes, and how many logins you end up paying for. A Medicare agent asked it plainly on Reddit last week: which CRM does not need five other subscriptions? Here is the answer with the prices read today.
This is the Medicare cut of the best auto dialer for insurance agents. For the whole category see the best power dialer software and the cheapest power dialers.
A Medicare agent CRM does two jobs: the book and the phone
The Reddit question (“Best CRM for Medicare agents that doesn’t require five other subscriptions?”, r/CRMSoftware) is the right one, because Medicare agents buy two different things under one word:
- The book of business. Clients, policies, carriers, effective dates, renewals, commissions, Scope of Appointment records. This is what MedicarePRO, AgencyBloc and the all-in-ones are built around, and what a Medicare agent keeps for years.
- The phone. In AEP the work is calls: returning reply cards and web requests, plan reviews with your own clients, T65 people who asked to hear from you. That needs a dialer, a recording on every call and the notes on the lead, and it peaks for eight weeks a year.
One tool that does both is convenient and usually priced for both all year. Two tools cost two logins and are priced for what each does. The table below is both routes, priced.
Medicare CRMs compared, with the calling priced
| CRM | Price | Book of business | SOA / consent | Dialer and calls | Pick it if |
|---|---|---|---|---|---|
| DialSheet | $29 a seat; ~$82 all-in | Leads, custom fields, notes, tasks, pipeline | No | Power dial, parallel 2–5 lines, every answered call recorded; Twilio at ~$0.014/min | AEP is phone work and you want to pay month to month |
| MedicarePRO | $45 agent, $55 agency | Clients, policies, commissions, renewals | Not listed | None listed | You need a Medicare book of business and nothing else |
| unLocked CRM | $69 / $149 / $247 a user | Yes; policy and commission sync on Max | SOA & consent forms | Power Dialer on Core; calls billed as usage | You want quoting, e-apps, SOA and a dialer in one login |
| AgencyBloc AMS+ | Quote | Yes, with commissions (Commissions+) | Electronic SOA, ACA consent | Integrated VoIP, call queues, recording | You run an agency or FMO on policy and commission data |
| Agent CRM | $97 / $197 an account | HighLevel pipelines | Not on a pricing page | HighLevel phone, metered | Your marketing already runs on GoHighLevel |
| Ringy | $119 + $70 dialer | Leads and pipeline | Not listed | One line; 1,000 minutes, unlimited with the dialer | Your upline runs on Ringy and you want unlimited minutes |
Read on each vendor's pricing page November 2, 2026: medicareproapp.com, unlockedcrm.ai/pricing (annual saves 20%), agencybloc.com/pricing; Agent CRM from its own blog because agent-crm.com/pricing returned 404; Ringy read October 29, 2026. Radius (radiusbob.com) is no longer sold on its own and now points to AgencyBloc AMS+. DialSheet all-in: the example AEP month below.
unLocked CRM, $69 a user
The most complete single login on the list: quoting across its listed carriers, e-apps, SOA and consent forms, a power dialer and AI tools on Pro. Calling and texting are usage on top, at rates the pricing page does not print, and it is the vendor that wrote the list Google ranks first, so price your own calling before you trust a feature grid.
MedicarePRO, $45 a month
A Medicare book of business at a flat price, HIPAA and SOC 2 Type 2, with a 30-day trial. It lists no dialer, so an agent who works AEP by phone pairs it with one.
AgencyBloc AMS+, by quote
Built for agencies, GAs and FMOs: policies, commissions processing, electronic SOA and ACA consent, plus integrated VoIP and recording. It absorbed Radius, which is no longer sold on its own. More than a solo agent needs.
Agent CRM and Ringy
Agent CRM is GoHighLevel set up for insurance at $97 a month per account. Ringy is $119 with a $70 one-line power dialer and unlimited minutes; see Ringy pricing.
What an AEP month on the phone costs
An example agent working permission leads and their own book one line at a time. The rates are inputs, not benchmarks: Medicare calls run long and answer better than cold lists because the person asked you to call. Put your own numbers in.
| Example AEP day | Input | Month |
|---|---|---|
| Dials a day, single line | 40 | 840 dials |
| Answered and talked | 25%, 12 minutes each | 210 conversations |
| Voicemail greetings reached | 30% | a billed minute each |
| Twilio: minutes, browser leg, one number | ~$0.014/min | $53 |
| DialSheet seat | $29/month per seat | $29 |
| DialSheet, all-in | $82 | |
| Plus MedicarePRO for the book | $45 | $127 |
2,772 billed minutes a month over 21 working days; voicemail greetings bill a whole minute, unanswered rings bill only the browser leg at $0.004 a minute. Twilio US list rates, billed to you by Twilio.
Talk time is most of that bill, which is how it should be: Medicare is a conversation business. For a three-agent room the same day costs about $246 a month on DialSheet (3 seats at $87 plus each agent’s minutes), or $301 with MedicarePRO’s $55 agency plan; unLocked Core for three is $207 before calling usage. In January the DialSheet seats come off; an annual plan keeps billing.
How to run AEP calling from DialSheet
- Load only the permission list. Reply cards, web requests, inbound callers and your own clients, each with the date they asked, in a custom field. CMS bars cold calls, referral calls and voicemail to beneficiaries who did not ask; see Medicare permission to contact for what the rule allows and for how long.
- Tag by source and month (T65 by birth month, reply cards by drop), so each cohort is a filter you dial, not a rebuilt list.
- Power Dial one line at a time. Parallel dialing rings several numbers and connects the first person; anyone else who picks up is dropped. On a cold list that is a trade-off; on a senior who asked you to call, it is a bad first impression, so keep parallel for large inbound-lead files you are returning the same day.
- Let the recording and summary land on the lead, then book the appointment as a task. Turn on the switch that skips leads outside 8am to 6pm in their area code if you want a fixed window.
- Keep the book in the book tool. When the enrollment is written, the policy goes into your book-of-business CRM; DialSheet keeps the call history.
What DialSheet does not do for a Medicare agent
- No policy, carrier or commission tracking. It is the calling CRM, not the book of business.
- No Scope of Appointment or consent forms, no quoting and no e-apps.
- It does not check whether a lead gave permission to contact; that record comes from your lead source.
- Recordings live in your Twilio account; keeping them for the required years is yours to manage.
Who runs on it
An independent insurance agency and a calling floor in our published case studies, and a customer's own story on its own site.
- dialsheet.ioindependent insurance agencyAn insurance agency runs 1,000 calls a month, retained month over month
- dialsheet.ioUK accountancy practiceA UK accountancy practice put a 9-rep outbound floor live in one day
- goodroofing.caHow we book estimatesA Calgary roofer on how a storm-season team calls every homeowner in order, with local numbers and no missed follow-ups. “Our calling runs on DialSheet.”
Which CRM should a Medicare agent actually buy?
DialSheet
A Medicare agent whose AEP is spent on the phone. Recorded calls, notes, tasks and a dialer for $29 a seat, about $82 all-in, off again in January.
DialSheet
A Medicare room of three to twenty for the season. Seats at $29 each after the first, added in October and removed in December.
unLocked CRM
An agent who wants quoting, SOA and calling in one login. Core at $69 a user lists all three, with calls billed as usage.
AgencyBloc
An agency running commissions and policies. AMS+ with Commissions+, electronic SOA and ACA consent, priced by quote.
Medicare agent CRM questions
What is the best CRM for Medicare agents?
DialSheet, for a Medicare agent whose AEP is spent on the phone with reply cards, permission-to-contact leads and their own book: every answered call is recorded into your own Twilio account, notes, tasks, custom fields and a Do Not Call list sit on the lead, and the $29/month per seat seat is month to month, so you pay for the 3 billing months of AEP and stop. An agent dialing 40 a day pays about $82 a month all-in. It is not a book-of-business system: it does not track policies, commissions or Scope of Appointment forms. If you want those, quoting and a dialer in one login, unLocked CRM Core ($69 a user, read November 2, 2026) is the pick.
What's a CRM for Medicare agents that doesn't require five other subscriptions?
Two tools cover it. A book-of-business CRM for policies, renewals and commissions (MedicarePRO is $45 a month for one agent), and a calling CRM for AEP (DialSheet, $29 a seat plus Twilio minutes). Together they come to about $127 a month at 40 dials a day. One login instead: unLocked CRM Core at $69 a user lists SOA forms, quoting, e-apps and a power dialer, with calling billed as usage. Prices read November 2, 2026.
Do Medicare agents need a CRM with a dialer?
During AEP (October 15 to December 7, per medicare.gov) most of the work is phone calls: returning reply cards and web requests, plan reviews with your own clients, and T65 people who asked to hear from you. A dialer that records every answered call and keeps the notes on the lead saves the copy and paste between a phone and a CRM. CMS bars cold calls, referral calls, texts and voicemail to beneficiaries who did not ask (42 CFR 422.2264), so the list you load is the permission list, never a bought cold list.
How much does a Medicare CRM cost?
From the pricing pages read November 2, 2026: MedicarePRO $45 a month for one agent or $55 for an agency with 3 staff; unLocked CRM $69, $149 or $247 a user a month, 20% off annual, calling extra as usage; Agent CRM $97 or $197 a month per account on its own blog; Ringy $119 plus $70 for its power dialer; AgencyBloc AMS+ by quote. DialSheet is free for one person, with a list of up to 500 leads and 500 calls a month, then $29/month per seat plus Twilio at ~$0.014/min.
Do Medicare sales calls have to be recorded?
For third-party marketing organizations, yes: 42 CFR 422.2274(g)(2)(ii) requires marketing and sales calls to be recorded in their entirety and kept. Your FMO or carrier contract says whether you sit under it. DialSheet records answered calls into your own Twilio account, with a transcript and AI summary on Pro; keeping them for the retention period, and exporting them before you close an account, is your job. The rule text and its dates are on our Medicare permission to contact page. This is not legal advice.
What is the best CRM for health insurance agents in Open Enrollment?
The same split applies to ACA agents in Open Enrollment (November 1 to January 15 for 2027 coverage, per healthcare.gov): a book tool with consent records (AgencyBloc AMS+ lists ACA Consent to Contact and attestations), and a calling CRM for the follow-ups. DialSheet is the calling side at $29/month per seat, month to month, so a seasonal room adds seats in November and drops them in January.
Vendor prices from each vendor’s own pricing page on November 2, 2026, except Agent CRM (its own blog; its pricing page returned 404) and Ringy (read October 29, 2026). AEP dates from medicare.gov and Open Enrollment dates from healthcare.gov, read November 2, 2026. The AEP day is an example, not a benchmark. Twilio figures are US list rates billed to you by Twilio. Compliance notes are orientation, not legal advice. We build DialSheet, so weigh this as a disclosed first-party comparison.