While You Were Writing
New Business,
Someone Called
Your Clients.
Medicare Plan Guardian is a client-retention tool for Medicare agents. You add a client once, send them a personalized link, and they tap the link and save your branded app directly to their home screen. From there, they receive timely AEP and plan-review reminders — with your face, phone number, and scheduling link built in. No login. No password. No monthly fees.
Loran Marmes · Founder, Medicare Plan Guardian · 17-Year Agent
Loran Marmes — 17 years in the field. Licensed in 46 states. 2,000+ clients nationwide. I built this because I had the same problem: calls, mailers, follow-ups — and I still watched good clients get confused because someone else reached them first.
AEP Doesn't Take Days Off — And Neither Do Your Competitors.
You didn't build your book by accident. You earned every client with follow-up calls, kitchen table visits, and years of trust. But every October 15th, that trust gets tested — by telemarketers, mail campaigns, and agents who have no relationship with your clients but still manage to reach them first.
Telemarketers reach your clients before you do
During AEP, your clients receive dozens of calls from people they've never met. All it takes is one answered call on a bad day, and a client you enrolled three years ago is suddenly shopping.
Your clients can't find your contact information
They liked you. They trusted you. But your business card is in a drawer. By the time they want to call you, they're already on hold with someone else.
You can't manually reach every client before AEP ends
If you have 200 clients, that's 200 calls. Some clients will always slip through — and you'll find out they switched when the renewal commission doesn't show up.
Let's be honest about the math.
One retained client covers the entire cost of this tool. Every client after that is pure protection on commissions you've already earned. If you lose even one client this AEP who should have stayed, you've already paid more than the price of this tool.
Two Ways to Go Into AEP.
Only One Protects Your Book.
Every agent goes into AEP knowing clients will be targeted. The difference is whether your face is already on their phone before the first telemarketer calls.
Your clients can't find you. Your card is in a drawer. When they want to call, they Google "Medicare agent near me" instead.
Telemarketers get there first. They call every day. Your clients don't know who to trust — but the person on the phone right now sounds confident.
You're guessing who's at risk. You start calling your book in late September with no data — just a list of names and hope.
You find out after the fact. A client you enrolled four years ago switched. Nobody told you. You just stopped getting the renewal commission.
Your face is on their phone before October 15. Your photo, your name, your number — saved on their homescreen from the day you enrolled them.
Automated alerts fire before any telemarketer gets through. Push notifications go out at the right time for each plan type. Completely automatic.
Your AEP dashboard shows exactly where every client stands. Who has an appointment. Who confirmed they're staying. Who needs a call.
You set it up once and it works all year. Five minutes at the kitchen table after the paperwork. Text them the link. Done.
Licensed Medicare Insurance Agent
I Built the Tool I Wish I'd Had Ten Years Ago.
I've been doing this for 17 years. I've sat at more kitchen tables than I can count, across 46 states, and built a book of over 2,000 clients the right way — one relationship at a time. And for most of those years, I watched good clients leave during AEP. Not because they were unhappy. Not because I did anything wrong. Because a telemarketer reached them first, and they couldn't remember how to find me.
That stings in a way that's hard to explain to someone outside this business. You spent months building trust with a client. You helped them navigate one of the most important financial decisions of their retirement. And then one October phone call from a stranger undoes all of it — because your card was in a drawer and your number wasn't in their phone.
I tried every workaround. Follow-up calls in September. Mailers. Email blasts. Some of it helped. None of it solved the core problem: I wasn't on their phone. The telemarketers were.
So I built Medicare Plan Guardian. A tool that puts my face, my contact information, and their plan details on every client's phone from the day I enroll them. Automated reminders go out at exactly the right time — tailored to their plan type — without me doing anything after the initial setup. And my AEP dashboard shows me exactly who needs a call and who is already taken care of.
This isn't a tech product made by someone who read about Medicare. It's a retention tool built by an agent who has personally felt every problem it solves. If you've ever lost a client during AEP who you know should have stayed, this was built for you.
You Might Be Thinking...
Every agent has a reason to wait. Here's why the math doesn't support any of them.
Email gets filtered into promotions folders. Texts get buried under dozens of other messages. Push notifications from an app on their home screen get seen the same way a text from family does — immediately, on their lock screen. There is no comparison in terms of visibility or trust.
And none of those methods put your face and contact information permanently on their phone. A blast email reminds them once. Medicare Plan Guardian makes you unforgettable every time they open the app.
Do they? Can they find your number right now — without digging through old emails, searching their text history, or Googling your name?
You built the relationship. But you're one crowded inbox and one answered telemarketer call away from being unfindable when it matters most. Medicare Plan Guardian puts your number one tap away, every single day, before the first telemarketer even dials.
This isn't a monthly subscription eating into your margins. It's $297. Once. One retained Medicare Advantage client generates $400–$600 in annual commission.
If you lose one client this AEP who should have stayed, you have already spent more in lost commissions than the entire cost of this tool. The question isn't whether you can afford it. It's whether you can afford going into October 15th without it.
Three Steps. Done at the Point of Sale.
Works All Year Without You.
You don't need to change your process. Do this right after you finish the enrollment paperwork — before you leave the kitchen table.
Add Your Client in the Portal
Log into your Medicare Plan Guardian web portal and enter your client's name, plan type, effective date, and basic plan details. Right at their kitchen table after the paperwork is signed.
Copy Their Personalized Link
The system generates a unique app link for your client — pre-loaded with their plan information and your photo, name, and contact details. One tap to copy it.
Text It to Them — You're Done
Send the link right there at enrollment. They tap it, save it to their homescreen, and your face is permanently on their phone. Medicare Plan Guardian handles every automated reminder from that point forward.
Your Face on Their Phone.
From Day One.
From the moment your client saves the app, they have everything they need — their plan details, their agent's contact information, and timely reminders — all in one place.
Your professional photo and contact details are the centerpiece of the app. Not a carrier logo. Not a 1-800 number. You.
Their plan information is always one tap away — effective date, plan type, coverage details. No more "what plan am I on again?" calls.
Reminders beyond AEP — Annual plan review alerts, an AEP notice timed to pre-season, and a Happy Birthday notification. Relationship touchpoints all year.
"Schedule a Review" and direct call buttons built right into the app. One tap and they're reaching you — not a telemarketer.
A built-in client-service reminder on every screen — prompts clients to contact their agent before making changes based on any unsolicited call. Automatic, permanent, and working for you without any effort after setup.
The Alert Sequence That Protects Your Book — Without You Doing Anything
From September through December, Medicare Plan Guardian works on your behalf. Every alert fires automatically, every year, timed to the Medicare calendar. Set it up once at enrollment. It runs forever.
Watch for Your Annual Notice of Change
Before a single telemarketer calls, your client receives a push notification reminding them their ANOC letter is coming — and that they should not discuss their plan with unsolicited callers. You are already on their phone. The warning is already in place.
1
Joan,
Each year your Medicare carrier is required to send you an Annual Notice of Change. Your letter should arrive this month. Read it carefully and do not throw it away.
Have You Received Your Notice from Aetna?
Two weeks before AEP opens, your client gets a personalized follow-up. They can tap "I'm Good — Keep My Plan" right from the screen. The moment they do, a green "Staying" badge appears on your dashboard. Clients who respond early are off your call list before October 15th arrives.
1
Joan,
By now you should have received your Annual Change Notice. AEP opens October 15th — connect with Loran Marmes before it gets busy. If you are happy with your plan, tap I'm Good below.
AEP Is Now Open Through December 7th
The moment AEP opens, another push notification fires. By this point many clients have already tapped "I'm Good." You go into AEP with your dashboard already showing who's confirmed and who actually needs your attention.
15
Joan,
The Annual Enrollment Period is now open. This is your window to review your Medicare Advantage plan. Don't wait till the last minute.
AEP Closes December 7th — Last Chance
One final push notification goes out to any client who hasn't confirmed. Last chance to make changes effective January 1st. Your dashboard tells you exactly who needs this nudge and who is already locked in. No client falls through uncontacted.
1
Joan,
This is your last chance to make changes to your Medicare Advantage plan effective January 1st. There is still time but don't wait. If you are happy with your plan, tap I'm Good below so Loran knows where things stand.
Happy Birthday — From Their Medicare Plan Agent
Not everything is about AEP. A personalized birthday message from you — automatically delivered, year after year — keeps your name at the top of their mind during the 11 months when nothing else is happening. A small touch that a telemarketer can never replicate.
Wishing you a Happy Birthday from your Medicare Plan Agent
But What About Your Supplement Clients?
They get a completely different message — one that stops the confusion, blocks competitors, and even opens a cross-sell door. Automatically.
During AEP, Medicare Supplement clients are going to hear "Annual Enrollment Period" everywhere — on TV, in the mail, from telemarketers. Most have no idea it doesn't apply to them. That confusion is exactly what competing agents exploit.
Medicare Plan Guardian sends Supplement clients a completely separate, plan-specific message that does three things at once:
Stops the panic calls. Tells them clearly that AEP is for Advantage plans. Their Supplement coverage is stable. They don't need to do anything.
Blocks the competition. A professional client-service reminder still fires — reminding them to contact their agent before making any changes based on outside calls.
Opens a cross-sell door — automatically. "Thinking about switching to Advantage? Now is the time to have that conversation with Loran." No extra work. Built into the message.
Joan,
You will begin hearing a lot about the Annual Enrollment Period. This is specifically for Medicare Advantage plans. It has nothing to do with your Supplement plan. Your coverage is stable. If you receive calls from other agents — you can ignore them.
Your Agent Portal Dashboard — clients who tap "I'm Good" show a green "Staying" badge in real time. You know exactly who's confirmed and who still needs a call — before AEP ends.
"Before making changes based on an unsolicited call, contact your Medicare agent first.
Your agent already knows your situation and can help you review your options."
This message appears inside every client's app — automatically, permanently, without you doing anything. It isn't a script you have to teach them or a flyer they'll lose. It's on their phone, next to your photo and your number, every time they open the app. When an unsolicited caller reaches your client during AEP, your client has already been reminded — by their own phone — to contact their agent before making any changes.
Every Feature Was Built to Solve
a Problem You've Already Experienced.
This isn't a feature list. It's an answer to every frustration you've had during the last ten AEPs.
AEP Dashboard — See Your Entire Book at a Glance
Your portal shows every client's status heading into AEP. Who confirmed they're staying. Who has a scheduled appointment. Who hasn't been contacted yet. Stop guessing. Start working the list that matters.
Push Notification Alerts — Timed to Their Specific Plan Type
Medicare Advantage and Medicare Supplement clients have different enrollment windows and different timelines. Medicare Plan Guardian knows the difference. The right push notification goes to the right client at the right time — arriving on their phone the same way a text from family does, not buried in email. Automatic every year. You set it up once and it runs forever.
Your Branding — Permanently on Their Phone
Your professional headshot, your name, your phone number, your email — displayed prominently every time your client opens their app. Not a carrier logo. Not a generic Medicare hotline. You. When a telemarketer calls during AEP, your client already knows exactly who their agent is. One tap and they're calling you back instead.
Plan Information — Always One Tap Away
Every client's app contains their plan details — effective date, plan type, coverage highlights, and premium — organized and easy to read. No more digging through paperwork. No more "what plan am I on again?" calls. Your clients feel confident, informed, and cared for — which is exactly how retained clients are supposed to feel.
What This Is Not
Medicare Plan Guardian is a retention and client-service reminder tool. It helps keep your face, phone number, and timely reminders in front of clients — so they know who to contact before responding to outside calls or confusing AEP messages.
Built for Medicare Client Privacy
Medicare Plan Guardian is designed to use only the basic client-service information needed to power the reminder experience. Use it for timely client-service reminders and to make it easy for clients to contact their agent before making plan changes.
Agents remain responsible for following carrier, agency, CMS, TCPA, privacy, and compliance rules applicable to their practice. Medicare Plan Guardian provides tools for client-service reminders only.
Everything You Need to Know
Before You Buy
Quick answers to the questions agents ask most.
Medicare Supplement clients receive a different message during AEP explaining that it doesn't affect their plan, so they aren't confused by the noise. They also receive an automatic plan renewal reminder at the 1, 2, or 3 year anniversary of their start date. You choose the interval.
One Price. Your Entire Book.
Every AEP You'll Ever Have.
No per-client fees. No monthly subscription. No surprises. You pay once to protect every client you have — and every client you'll ever add.
- Full agent web portal access
- Unlimited client app setups
- AEP dashboard with real-time client status
- Automated alerts — MA & Supplement
- Your photo & branding on every client app
- Plan info stored per client
- One-tap call, text & email for clients
No monthly subscription. No per-client fees. First year included in the $297 setup fee.
$49/year maintenance renewal keeps your portal, client apps, reminders, and data active. No monthly subscription. No per-client fees. If you choose not to renew, client apps and data are removed.
Think about it this way: A single retained Medicare Advantage client is worth $400–$600 in annual commission. Medicare Plan Guardian costs $297 — once. If it keeps even one client who would have switched during AEP, it has paid for itself and then some. Every client after that is commission you protected for the cost of a one-time tool that runs on autopilot.
Next October 15th, Your Face Is Already
on Every Client's Phone.
You know the feeling of finding out a client switched — after the fact, when the renewal commission doesn't come. You know it wasn't because they were unhappy. It was because someone else was faster.
Medicare Plan Guardian makes sure that doesn't happen again. One setup per client. Your branding on their phone. Automated alerts that fire before the telemarketers start calling. An AEP dashboard that shows you exactly who needs your attention.
You built your book the hard way. This is the tool that protects it.
First year included · $49/yr after year one · No monthly fees · No per-client charges