The book of approved language.
Every word the agent is permitted to read, indexed and versioned. Each entry below is canonical, regulator-ready, and binding upon the agent at the moment the recording opens.
ACA
- SCR · 100 · ACA · OPENv · TBDAPPROVED · MMXXVI · IV
ACA Outbound Standard Open
Compliant ACA Marketplace outbound opening sequence: caller identification, brokerage identification, recording disclosure, and consent re-confirmation.
ACA_Outbound_Standard_OpenREQUIRED · ELEMENTS- Caller Name
- Brokerage Identification
- Recording Disclosure
- Consent Confirmation
- SCR · 101 · ACA · QUALv · TBDAPPROVED · MMXXVI · IV
ACA Qualification (Standard)
Household composition, income estimate, current coverage, ZIP-level Marketplace, tobacco use, and APTC eligibility intake.
ACA_Qualification_StandardREQUIRED · ELEMENTS- Household Size
- Estimated AGI
- Current Coverage
- Tobacco Use
- SCR · 102 · ACA · PRESv · TBDAPPROVED · MMXXVI · III
ACA Plan Presentation
Metal-tier comparison, network confirmation, formulary lookup, premium and APTC math, and SBC walkthrough.
ACA_Plan_PresentationREQUIRED · ELEMENTS- At least 2 plans
- Network Verified
- APTC Math Stated
- SBC Offered
Medicare
- SCR · 202 · MED · NEEDSv · TBDAPPROVED · MMXXVI · III
Medicare Needs Analysis
Beneficiary-led analysis of providers, prescriptions, pharmacies, supplemental needs, and budget — captured against the lead and bound to the recording.
Medicare_Needs_AnalysisREQUIRED · ELEMENTS- Provider List
- Drug List
- Pharmacy
- Budget Window
- SCR · 203 · MED · PRESv · TBDAPPROVED · MMXXVI · III
Medicare Presentation (Standard)
Plan presentation against the captured needs analysis: at least two plans, network verified, formulary verified, MOOP stated, supplemental benefits enumerated.
Medicare_Presentation_StandardREQUIRED · ELEMENTS- At least 2 plans
- Network Verified
- Formulary Verified
- MOOP Stated
Compliance
- SCR · 200 · CMS · TPMOv · TBDAPPROVED · MMXXVI · IV
Medicare TPMO Disclosure
Verbatim TPMO disclosure required by 42 CFR §422.2274(c), captured within the first minute of every Medicare-eligible call.
Medicare_TPMO_DisclosureREQUIRED · ELEMENTS- Read Verbatim
- Captured in Recording
- Pre-Presentation
- SCR · 201 · CMS · SOAv · TBDAPPROVED · MMXXVI · IV
Medicare Scope of Appointment (Verbal)
Verbal SOA for inbound or beneficiary-initiated calls, with 48-hour rule documentation and product-scope confirmation tied to agent NPN.
Medicare_SOA_VerbalREQUIRED · ELEMENTS- Beneficiary Identity
- Products in Scope
- Date Stamp
- Agent NPN
- SCR · 300 · CSNT · REVv · TBDAPPROVED · MMXXVI · IV
Consent Revocation (Standard)
Honoring revocation of consent by any reasonable means: confirmation language, dialer suppression entry, and audit-ledger annotation.
Consent_Revocation_StandardREQUIRED · ELEMENTS- Verbatim Confirmation
- Suppression Logged
- Effective Immediately
- Acknowledgement to Caller
Verification
- SCR · 103 · ACA · VRFv · TBDAPPROVED · MMXXVI · III
ACA Voice Verification (Pre-Transfer)
Standalone verbal authorization captured before live-transfer to HealthSherpa, recording the consumer's stated election and consent to enroll.
ACA_Voice_Verification_Pre_TransferREQUIRED · ELEMENTS- Plan Election Stated
- APTC Election
- Consumer Consent
- SCR · 204 · CMS · VRFv · TBDAPPROVED · MMXXVI · IV
Medicare Voice Verification (Final)
Standalone verbal authorization recording closing the enrollment, capturing plan election, effective date, and beneficiary-stated consent.
Medicare_Voice_Verification_FinalREQUIRED · ELEMENTS- Plan Election Stated
- Effective Date Stated
- Beneficiary Consent
On voice verification.
The Voice Verification artifact is captured as a separately addressable evidence object — distinct from the parent recording — so that an examiner can be served the verification alone, under its own watermark, without exposing the remainder of the call.