What Is Turning-65 Data and How Should Agents Use It?

Turning-65 data identifies individuals approaching Medicare eligibility based on their upcoming 65th birthday. Agents use this age-in data to time compliant outreach around the Initial Enrollment Period—typically starting three months before the birthday month—while respecting express written consent and Do Not Call regulations. Exclusive Telemarketing Leads delivers T65 leads with filters that help agents reach prospects when they are actively researching options.

How far ahead of 65 should outreach begin?

Start outreach three months before the prospect's 65th birthday to align with the Medicare Initial Enrollment Period. This seven-month window runs from three months before the birthday month through three months after, giving you time to educate and enroll without rushing. Calling too early often means the prospect has not yet engaged with Medicare research and may dismiss your call.

Most carriers and compliance teams recommend beginning contact around the three-month mark. By then, the Centers for Medicare & Medicaid Services mails the Medicare & You handbook, and prospects start comparing plans. Waiting until the birthday month or after compresses your schedule and risks missing the enrollment deadline.

If your lead vendor supplies birth-month data, segment your list so that calls align with each cohort's window. Avoid generic "turning 65 this year" lists that do not break out month-by-month timing.

What consent applies to age-in data?

Age-in data requires express written consent under TCPA if you plan to call a cell phone using an autodialer or prerecorded message. Even for manual dials, CMS marketing rules require documentation that the prospect agreed to be contacted about Medicare plans. Always scrub your list against the National Do Not Call Registry and any internal suppression files before dialing.

Look for vendors who provide:

• Jornaya or TrustedForm certificates showing the web form where consent was captured
• Time stamps proving the consent is recent
• Language on the form that specifically mentions Medicare or health insurance

If consent is missing or vague, you risk TCPA penalties and CMS scope-of-appointment violations. When in doubt, confirm consent rules with your compliance advisor before calling.

Filter	Why It Matters	Example Use
Birth month	Aligns outreach with IEP window	Call October birthdays starting in July
Household income	Flags subsidy eligibility or supplement budget	Lower income may qualify for Extra Help
Current coverage	Identifies employer-plan holders who may delay	Skip those with active group coverage until retirement
Prescription count	Signals Part D urgency	Multiple Rx = higher interest in drug plans
Chronic condition flags	Targets MA plan benefits	Diabetes + hypertension = look for plans with extra benefits

Which filters matter for T65 data?

Filter by birth month, ZIP code, household income, and current coverage status to prioritize high-intent prospects. Birth month ensures your outreach matches the Initial Enrollment Period; income helps you identify subsidy eligibility or supplement affordability; and knowing whether the prospect has employer coverage lets you tailor your pitch to their situation and urgency level.

Additional filters to consider:

• Prescription drug use: Prospects taking multiple medications care more about Part D and Medicare Advantage drug formularies.
• Chronic conditions: Diabetes, COPD, or heart disease flags increase interest in MA plans with extra benefits.
• Retirement status: Retirees losing employer coverage are urgent buyers; those still working may delay enrollment.

Exclusive Telemarketing Leads can layer these attributes so you call the right people at the right time with the right message.

How do you prioritize T65 leads during AEP?

During the Annual Enrollment Period (October 15–December 7), prioritize age-in leads whose Initial Enrollment Period overlaps AEP—typically those turning 65 in October, November, or December. These prospects can enroll in a Medicare Advantage or Part D plan immediately, making them hotter than someone whose birthday falls in spring or summer months.

For prospects turning 65 outside AEP, mark them for follow-up three months before their birthday. Use a CRM or spreadsheet to schedule callbacks so no lead falls through the cracks.

If your call center runs year-round, stagger T65 campaigns by cohort: January birthdays get called in October of the prior year, February birthdays in November, and so on. This keeps your pipeline full and prevents the feast-or-famine cycle that many agents face.

How Exclusive Telemarketing Leads handles this

Exclusive Telemarketing Leads delivers turning-65 data segmented by birth month, filtered by geography and household attributes, and backed by documented consent. Each record includes time stamps and source URLs to support TCPA and CMS compliance. You receive leads timed to the Initial Enrollment Period so your outreach matches when prospects are actively researching Medicare coverage options.

The platform allows you to request additional filters—prescription counts, chronic condition flags, or retirement status—so your agents call the highest-intent prospects first. Leads are delivered in batches that align with your calling schedule, and suppression files are applied before export to avoid DNC violations. If you need help with cohort timing or compliance documentation, the support team can walk you through setup and delivery options.

Frequently asked questions

Can you call someone before they turn 65?

Yes, as long as you have express written consent and comply with TCPA and CMS marketing rules. The Initial Enrollment Period starts three months before the 65th birthday, so outreach during that window is expected and compliant.

Is turning-65 data the same as Medicare supplement leads?

Not exactly. Turning-65 data identifies people nearing eligibility; it does not specify whether they want a Medicare Advantage plan, a Medigap supplement, or standalone Part D. Your script should qualify interest during the first call.

How fresh should T65 leads be?

Ideally recent enough that the prospect still remembers opting in and has not been over-called by other agents. Stale age-in data leads to higher DNC complaints and lower contact rates.

Do T65 leads work outside AEP?

Absolutely. The Initial Enrollment Period is a Special Enrollment Period that runs year-round based on each person's birthday. Agents can write business every month using properly timed T65 outreach.

What happens if someone turns 65 but keeps employer coverage?

They can delay Part B enrollment without penalty as long as the employer meets size requirements. Mark these leads for follow-up when they retire, and focus your immediate effort on retirees or those without creditable coverage.

Exclusive Telemarketing Leads · exclusivetelemarketingleads.com · (888) 603-5358