For pharmacy owners who also own — or are weighing — a Medicare agency. Watch the full replay below, then keep the compliance takeaways close. Educational only, not legal advice.
The full session, broken into quick highlight clips. Start anywhere. Educational only — not legal advice.
Commissions stay with licensed agents — everything follows from that.
“Don’t chance it — it’s not worth it.” One OIG flag can be devastating.
Three setups that quietly stack up risk.
The compliant path from the counter to enrollment.
The one question that keeps a comparison compliant.
You can be both — just never in the same moment.
Every grievance, every time — why you shouldn’t fear recording.
On your attestations — honestly, and every year.
FMV, in writing, never tied to enrollment volume.
The runway is longer than it looks — start now.
Honest operator advice from Joe on the appointment-based model.
If you own both a pharmacy and a Medicare agency, these are the points worth remembering.
The one rule that covers most of it. You can still help every patient — the clean line is clean commissions and clean separation between the two businesses.
The pharmacy educates (windows are open, help exists — no plan names). The patient raises their hand. A licensed agent takes it from there.
“Which pharmacy do you want to use next year?” Ask it first — or showing only the plans your pharmacy takes can look like steering.
The only safe place to be is a safe harbor: be a licensed agent, or an FMV space rental that’s never tied to enrollment or referral volume.
Carriers already ask on their attestations. Answer honestly, disclose the ownership, and re-attest every year.
Study, test, AHIP, carrier certs, fingerprinting, blackout dates — the runway is longer than it looks. If AEP is the goal, now’s the time.
We provide the licensed agents and plug the compliant MedSmart process into your pharmacy — or we help you get your own team licensed with hands-on coaching. Either way, we help you run it clean.