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This guide is for training purposes only and should be used in conjunction with current CMS guidelines and carrier-specific compliance requirements. All agents must stay up-to-date with the latest Medicare regulations and compliance standards. The examples provided are for illustrative purposes and should be adapted according to specific situations and requirements.

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Voice Signature

Category: Compliant Medicare Sales Calls

Last Updated: March 12, 2025

CMS Reference:

• MMCM CH 2: 40.1.3 (Enrollment via Telephone)
• MMCM CH 2: 40.2 (Processing the Enrollment Request)
• MMCM CH 2: Appendix 2 (Summary of Data Elements Required for Plan Enrollment Mechanisms and Completed Enrollment Requests)

Overview

A voice signature serves as the legal equivalent of a written signature for Medicare Advantage (MA) enrollments completed via telephone. CMS requires that telephonic enrollments include a verbal signature that meets regulatory standards.

Agents must:

✅ Ensure the beneficiary understands that their verbal signature serves as their official enrollment authorization.

✅ Follow a CMS-approved voice signature script to capture consent.

✅ Confirm all required data elements before requesting the voice signature.

Key Requirements for Capturing a Voice Signature

1️⃣ Voice Signature Must Be Captured as Part of the Enrollment Request