How much do Medicare inbound calls cost?

What do Medicare inbound calls cost right now?

Only a few vendors publish a Medicare inbound call price, and every published price is tied to a billing threshold. On its own site, LeadSwitch lists Medicare inbound calls at $35 per call once a call reaches 30 seconds of connected talk time, and it says it does not sell Medicare transfers. The Call Store's homepage shows a sample Medicare listing at $20 per billable call with a 60 second buffer, and its FAQ says pricing varies by vertical and state. BrokerCalls publishes one range for all of its insurance products, from $15 for auto up to $90 for Medicare Supplement warm transfers, and sends a rate card on request. Callmart's Medicare Advantage retail prices are $25 for 20 seconds, $35 for 30 seconds, $55 for 90 seconds as of November 2, 2026, and bulk buyers can request lower wholesale rates. Many other vendors quote Medicare prices only after a sales call. Because the thresholds differ, compare each price together with the seconds it takes to bill.

How do published Medicare call prices compare?

Several vendors do not post a Medicare price at all. Elevarus says it scopes cost per call on a strategy call, NextGen Leads says pricing varies by vertical and lead type and runs a second-price auction, and AllCalls says the binding rate and qualifying timer are the ones shown in its app when you accept a call. For those, get the price, the billing threshold and the credit policy in writing before you fund an account.

Why does the billing threshold change the real price?

The threshold decides which calls you pay for, so it moves your real price as much as the sticker does. A short threshold bills more quick hang-ups, wrong numbers and callers who wanted something else; a long threshold bills fewer calls at a higher price each. Vendors also start and stop the clock differently.

• On Callmart, connected time starts when your destination answers, ringing never counts, and a call is charged once, after it ends, only if connected time reaches the buffer you chose. Time a caller spends in your own IVR or voicemail after your line answers counts toward the buffer.
• LeadSwitch says a Medicare call becomes billable at 30 seconds of connected talk time, and that hold time, IVR time and voicemail do not count.
• The Call Store's terms say a call is billable only once it connects past the qualifying duration buffer.

Ask every vendor the same three questions: when does the clock start, what does it exclude, and what happens to a call that drops a second short of the threshold. The call buffer explainer and the guide to connected time billing cover the mechanics.

How do you turn a price per call into cost per enrollment?

Cost per enrollment is your call spend divided by the enrollments those calls produce. It is the figure to compare across vendors, because it folds price, threshold and your own close rate into one number.

1. 01Pull a clean sampleExport at least a full week of answered calls from one source and one campaign, with call durations.
2. 02Sort by lengthCount how many calls ended before each threshold you could buy, for example 20, 30, 60 and 90 seconds.
3. 03Match enrollmentsTie each enrollment to the call that produced it, using your CRM or the call recording.
4. 04Price each optionMultiply each vendor's price by the calls that would have been billable at its threshold.
5. 05DivideDivide that spend by enrollments. The lowest cost per enrollment wins, not the lowest price per call.

Worked example

The numbers here are hypothetical and round, picked only to show the method. Your desk answers 100 Medicare calls in a week: 25 end before 30 seconds, 15 end between 30 and 90 seconds, and 60 run past 90 seconds. Your agents write 9 enrollments, all from the longer calls. Feed A charges $36 per call at a 30 second threshold, and Feed B charges $48 at 90 seconds.

Feed A wins by $20 per enrollment even though it bills 15 more calls. Feed B breaks even at $2,700 divided by 60 billable calls, or $45 a call; below that, the longer threshold would win on these numbers. A shortcut gives the same answer: divide the price per billable call by enrollments per billable call. For Feed B that is $48 divided by 0.15 (9 of 60), or $320.

Now run it with real prices. Callmart's Medicare Advantage retail tiers are $25 at 20 seconds, $35 at 30 seconds and $55 at 90 seconds as of November 2, 2026, so count your calls past each of those marks. The cost per acquisition calculator does the division.

What else belongs in the cost of a Medicare call?

The call price is the biggest line, not the only one. A full cost per enrollment also carries the people and setup that answer the phone.

• Agent time on calls that do not enroll, including the scope of appointment and disclaimer steps near the start of each call.
• State licenses and carrier appointments for every state your line accepts.
• Annual training and testing: 42 CFR 422.2274(b)(2) requires agents selling Medicare Advantage to be trained and tested every year and to score 85 percent or higher.
• Phones, a softphone or SIP routing, plus call recording and storage.
• Calls you dispute. On Callmart you can request a credit from the call in your call history; Callmart reviews each request, and approval is not automatic.

The guide to the real cost of a call breaks these out line by line.

Which mistakes make Medicare calls cost more than they should?

• Comparing sticker prices across different thresholds instead of comparing cost per enrollment.
• Buying more calls per day than licensed agents can answer, so callers ring out or wait.
• Accepting calls from states where nobody on the line holds a license.
• Deciding on a source after two or three days instead of a full sample.
• Ignoring calls that end just past the threshold. If many calls bill at 31 seconds and go nowhere, a longer tier may cost less per enrollment.
• Treating a lead, an appointment and a live call as the same product.

What should you check before you buy Medicare calls?

• The price and the exact billing threshold, in writing.
• When the clock starts and what it excludes: ringing, hold, IVR and voicemail.
• Whether calls are shared or exclusive. Callmart calls are not exclusive unless a Campaign Order says otherwise.
• Selling hours and accepted states, and whether they match your agents' schedules and licenses.
• Minimums, deposits and how an unused balance is handled.
• The credit or dispute process and its deadlines.
• What the vendor does not promise. Callmart does not promise call volume, call quality or close rates; delivery depends on eligible supply and your own settings.

If the math works, the Medicare calls page shows how Callmart's Medicare Advantage campaign runs, and the AEP call desk guide covers staffing for the busy season.

Common questions