Q1 check-in text: this is the easiest message you’ll send all year.

Because it doesn’t feel like marketing.
It feels like service.

And service is the fastest path to:

• reviews
• referrals
• cross-sells (Life, DVH, hospital indemnity)
• and “Oh yeah, I meant to ask you…”

Most agents go quiet after AEP. That’s the gap you can own.

Here’s a two-sentence text you can copy/paste today—plus the pivot that turns a “Yep, got it” reply into a booked appointment.

Text #1 (the opener)
"Hi —quick check-in from . Did your new 2026 plan cards arrive in the mail yet?"

Text #2 (the bridge)
"Also, Medicare made a few changes this year (including the new prescription drug out-of-pocket cap). Want me to do a quick 10-minute review to make sure everything still fits?"

That's it.

No pressure. No "Are you ready to shop?" energy. Just support.

This script works because it:

• asks a simple yes/no question (easy to reply)
• starts with something tangible (their card)
• earns permission to talk about costs
• offers a short review (10 minutes feels safe)

And most importantly, it positions you as the person who helps after the sale.

Once they reply, your job is to keep the momentum.

If they say "Yes, got them."

You reply: "Perfect. Quick follow-up—have you heard about the 2026 prescription drug out-of-pocket cap? It changed again this year. I can explain it in 2 minutes."

Then:
You reply: "If you'd like, we can do a quick 10-minute check-up: meds, doctors, and any new questions. Want to do it tomorrow or Thursday?"

If they say "No, not yet."

You reply: "Thanks for letting me know. Sometimes they run late. If you don't see them by 02/12/2026, text me and I'll help you track it."

Then pivot:

You reply: "While I have you—Medicare made some changes for 2026, including the prescription drug out-of-pocket cap. Want a quick review so you know what to expect?"

If they don't reply

Send a gentle follow-up 48 hours later:

"Just making sure you saw this, . Reply YES if your cards arrived, or NO if not."

That's it. Don't chase harder than that. Keep it friendly.

Here’s the simple version you can say without putting anyone to sleep:

Agent: “In 2026, Medicare sets a yearly cap on what you pay out of pocket for covered Part D medications. After you hit the cap, covered drugs are $0 for the rest of the year.”

If they ask for the number:

• The cap for 2026 is $2,100 for out-of-pocket Part D drug spending (for covered drugs under the plan rules).

You don’t need to teach the whole Part D redesign. Just give them confidence.

You gave yourself a win with a short text. Don’t sabotage it with bad timing.

Best windows:

• Tuesdays or Thursdays
• 10:00 AM – 2:00 PM (local time)
• Avoid Mondays (catch-up day) and Fridays (people check out)

Bonus tip: send in small batches (20–30 at a time). It feels personal.

Once you’re on the phone, use a service-first checklist:

1. “Any new doctors?”
2. “Any new medications?”
3. “Any procedures planned?”
4. “Any concerns about costs this year?”

Then the natural bridge:

• Life: “Has anything changed with income, family, or who depends on you?”

• DVH: “Are you doing dental cleanings twice a year? Any crowns coming?”
• Hospital indemnity: “If you had an overnight hospital stay, would that strain the budget?”

This doesn’t feel like selling. It feels like planning.

If they say “I’m fine.”
“Love that. Let’s keep it that way. A 10-minute check-up makes sure nothing surprises you mid-year.”

If they say “I’m busy.”
“No problem. I can do it in 10 minutes, and we can do it by phone. What’s easier—lunch time or after 4?”

If they ask “Is something wrong?”
“Nothing wrong. I do this for clients every year so you feel confident. It’s a proactive check-in, not a problem.”

Start with the people most likely to respond:

• clients who called you during AEP
• clients on multiple meds
• clients who mentioned money stress
• clients who referred someone in the past
• clients who turned 65 recently

Texting your whole book in one blast can feel spammy. Segmenting keeps it personal.

Version A (extra friendly)

"Hi ! It's . Quick question—did your 2026 insurance cards show up yet?"

Version B (super short)

", did your 2026 plan cards arrive yet? —"

Version C (more "service desk")

"Hi —this is . I'm doing a quick Q1 card check to make sure everyone received their 2026 materials. Did yours arrive?"

Keep it simple and invite the review:
Agent: “Yes—there’s a yearly cap on what you pay out of pocket for covered Part D drugs. If you tell me your meds, I can estimate how it affects you.”

Avoid:

• medical info in text
• asking for detailed medication names via SMS
• anything that looks like a guarantee

Instead:

• ask them to call
• or ask them to send a photo only if your process allows secure transfer

Close with:
Agent: “Call me when you have a minute and we’ll do it the right way.”

At the end of the 10-minute review, say:

Agent: “I’m glad we got that cleared up. If you know anyone turning 65 or shopping health coverage this year, I’ll take great care of them. Who comes to mind?”

Then stop talking.

If they name someone:
Agent: “Perfect. Would you rather introduce us by text, or should I send you a short message you can forward?”

", thanks for the quick review today. If any cards, bills, or pharmacy notices look confusing, send me a photo and I'll help."

That message increases retention because it invites service—without inviting chaos.

If they reply YES (cards arrived), send:

“Great. Two quick things I like to double-check each year:

1. your meds are still covered the way you expect, and
2. you understand any 2026 cost changes (like the drug cap).

Want to do a 10-minute review by phone—tomorrow at 11:30 or Thursday at 1:00?”

Service Is the Best Follow-Up
This text isn’t a pitch—it’s a hand on the shoulder. When you check in after AEP, you’re not just filling calendar slots; you’re reinforcing why clients chose you in the first place.