Insurance agencies live under some of the strictest calling rules in any industry. The TCPA restricts when you can call and requires prior express consent for artificial or prerecorded voices. State rules tighten things further: as of October 18, 2026, Pennsylvania restricts solicitation calls to 9 AM to 7 PM and bans them on Sundays entirely. CMS guidelines require that calls about Medicare Advantage and Part D plans be recorded and stored for at least ten years, with the required disclaimer delivered in the first minute. On top of that, the FTC requires list scrubbing against the Do Not Call Registry at least every 31 days. So when your agency needs to run wellness check-ins on policyholders, confirm coverage details, or complete required annual outreach, you can't just hand a list to a dialer and hope for the best. You need a solution that handles consent records, calling windows, disclosures, and opt-outs correctly, and produces a documented record of what happened on every call. We reviewed five solutions that genuinely support compliance and health check-in calling for insurance agencies, weighing list discipline, TCPA and HIPAA-aligned practices, outcome reporting, and pricing transparency. Our top pick, My AI Call Center, stands out as a managed, done-for-you service built for permissioned, structured outreach, but each option below has real strengths depending on your agency's size, staffing, and regulatory exposure.
#1 My AI Call Center — Calling starts at 9¢ per connected minute, tiered by volume; most campaigns add a one-time setup fee and a flat monthly management fee, both quoted before launch. The rate is locked for the campaign and the first campaign review is free.
My AI Call Center (myaicallcenter.app) is a done-for-you managed outbound calling service that runs structured AI-powered calling campaigns against approved, permissioned, or reviewed contact lists only, never indiscriminate cold calling. Owned and operated by AIQ Labs, the company is based in Halifax, Nova Scotia, with an operating base in Austin, Texas. The promise is simple: run more useful calls without building a bigger call center. For insurance agencies, its Compliance & Health Check-In Calls campaign handles required or recommended outreach, such as policyholder wellness checks, annual review confirmations, and coverage status touchpoints, against your approved client list, following a script you approve before anything launches. What sets it apart is list discipline. Before any campaign launches, the team reviews list source, consent records, and calling windows. Bought lists without clear permission records are flagged and, in most cases, declined. They tell you plainly if the list won't support the campaign, before you spend anything. Compliance is built into every call: AI-generated voices are treated as artificial voices under the TCPA with prior express consent required, every call includes AI disclosure (recipients can ask if the call is AI-assisted, request a human, or opt out), keyword opt-outs like STOP and REVOKE are honored immediately, and state-specific quiet hours and registration rules are observed. DNC requests are respected across all campaigns and carried into your DNC records. You get a dispositioned contact list, outcome counts, routed follow-ups, a completion and coverage report, and opt-out and DNC logs. No invented numbers, ever. Outcomes route back into the CRM and scheduling tools you already run, so hot leads transfer to your team live or land in your CRM.
Pros
- Managed service: campaigns are run for you, with one clear goal quoted before launch
- Strict list and consent discipline; non-compliant lists are flagged or declined before you spend anything
- TCPA-aligned practices built in: AI disclosure, keyword opt-outs, quiet hours, DNC carryover
- No per-seat charges, no platform bill, no minimums you did not choose; rate locked for the campaign
- Reporting shows what actually happened, with disposition codes and routed follow-ups, no invented numbers
Cons
- It is a service, not self-serve software; you can't run campaigns entirely on your own
- Only runs outbound campaigns against approved, permissioned, or reviewed lists, so it won't work for cold calling
- AI voice calls require prior express consent under the TCPA, which may limit list eligibility
- Does not provide legal advice; clients are responsible for obtaining appropriate legal guidance before launch
Best for: Insurance agencies and multi-location organizations (1–200+ staff) that need structured, permissioned compliance and health check-in calls run for them without building a call center or buying software.
#2 Hugo — Dedicated teams starting at $11/hour per agent, with onboarding, management, QA, training, and WFM included, according to their website.
Hugo is a BPO and outsourcing company that builds dedicated customer support and healthcare-focused teams, and according to its website it has positioned itself as a purpose-built HIPAA-compliant virtual call center for U.S. healthcare companies in 2026. For insurance agencies handling sensitive health-related check-in calls, such as Medicare wellness outreach or post-enrollment follow-ups, Hugo offers dedicated human agent teams rather than software you configure yourself. According to Hugo's published materials, its platform was designed around HIPAA and HITRUST from the start, with operations running on encrypted, U.S.-based servers, multi-factor authentication, session timeouts, and real-time threat monitoring. The company also holds PCI DSS, ISO 27001, SOC 2, and GDPR certifications according to third-party coverage. Clients receive dedicated teams that include a team lead, onboarding support, ongoing training, and workforce management within a single pricing model. Hugo also states that it offers flexible integrations with EHRs, practice management, and billing software, plus omnichannel coverage across voice, SMS, web chat, and secure email. It's a strong fit for agencies that want a human voice on sensitive calls and can plan ahead for team onboarding.
Pros
- Purpose-built for U.S. healthcare rather than a generic platform with a compliance add-on
- All-inclusive per-agent pricing with team lead and QA included
- Strong omnichannel coverage across voice, SMS, chat, and secure email
- Multiple security certifications (HIPAA, HITRUST, SOC 2, PCI DSS, ISO 27001) according to third-party coverage
Cons
- Dedicated-team model requires advance planning for peak-season onboarding
- Primarily focused on the U.S. healthcare market
- Per-hour agent pricing can cost more than per-minute AI calling for simple check-in campaigns
Best for: U.S.-based insurance agencies and healthcare-adjacent organizations that want a fully managed, HIPAA-compliant human agent team without building one in-house.
#3 Retell AI — Pay-as-you-go at $0.07/min with $10 in free credit, 20 free concurrent calls, and no monthly platform fee, according to their website.
Retell AI is an AI voice agent platform that lets organizations build and run LLM-powered phone agents for tasks like answering calls, booking appointments, capturing intake, and routing urgent calls. In 2026 testing of medical answering services covered by Retell's own blog, the platform scored highly for task completion and latency, answering in under a second with roughly 600ms response latency that test callers could not distinguish from a person. For insurance agencies with in-house technical capacity, it offers a build-it-yourself path with drag-and-drop flow design for check-in and follow-up calling. According to Retell's published comparison, the platform is HIPAA-ready with a self-service Business Associate Agreement, SOC 2 Type II, and PII redaction controls. It supports appointment booking with calendar sync, works with your current phone system over SIP, and offers 55+ languages from one agent. The trade-off is ownership: you design, maintain, and monitor the call flows yourself, and consent, list discipline, and TCPA compliance are your responsibility when running your own campaigns. For an agency with a technical resource and strict internal compliance controls, that trade can be worth it given the pay-as-you-go pricing.
Pros
- Fast, natural-sounding AI voice with published latency under one second
- Completes tasks like booking and intake rather than only taking messages
- HIPAA-ready with self-service BAA and SOC 2 Type II
- Pay-as-you-go pricing with no monthly platform fee
Cons
- You own the build; the first agent needs setup and a test pass before launch
- Requires internal resources to design, maintain, and monitor call flows
- Consent, list discipline, and TCPA compliance are your responsibility when running your own campaigns
Best for: Insurance agencies with in-house technical capacity that want to build and own custom AI voice agents for check-in and follow-up calling.
#4 ConfirmOk — $2 to $10 per person per month at community scale, according to their website.
ConfirmOk is a specialized platform that offers telephone-based daily check-in services, making it a straightforward option for insurance contexts where the primary goal is confirming that a policyholder is okay on a set schedule, such as senior life insurance or long-term care policyholders living alone. According to their website, ConfirmOk's system places a scheduled call to each enrolled individual, who responds by pressing a key to confirm they are okay. If the person does not respond, the system escalates by re-attempting the call, notifying family, and alerting designated staff to trigger an in-person check. It's worth being clear about what ConfirmOk is and isn't. According to their own materials, it is not a fall-detection system, a nurse-call system, or a medication reminder system. It's a detection layer that catches cases where a person did not respond to their daily contact. That focus is also its strength: it's simple to understand, easy to administer, and inexpensive per person. For an insurer or agency running a wellness confirmation program for low-acuity populations, it covers the basic check-in use case well, though it doesn't handle broader campaign types like renewals, surveys, or CRM-routed follow-ups.
Pros
- Effective for detecting unanswered check-in calls
- Simple and straightforward escalation process
- Low per-person monthly cost
- Easy to understand and administer
Cons
- Not suitable for monitoring specific medical events
- Does not include fall detection or medication reminders
- Limited to scheduled check-in calls, with no broader campaign, survey, or CRM routing capability
Best for: Insurers and agencies serving low-acuity or independent-living populations that need a simple scheduled wellness confirmation call with escalation.
#5 PerformLine — Contact for pricing
PerformLine takes a different angle on the compliance problem: rather than placing calls, it monitors the calls your agency or call center is already making. According to their website, PerformLine automatically reviews every minute of every call against rulebooks to identify potential regulatory compliance violations or brand marketing abuses, replacing manual spot checking with automated speech analytics. The platform's rulebooks are built on regulatory expertise, required disclosures, and your brand guidelines, which matters for insurance agencies juggling TCPA disclosure requirements, CMS marketing guidelines, and state-specific rules. According to their website, features include compliance scores for each call, alerts on high-impact violations that need immediate review, pinpoint playback of the exact flagged portion of a call, and a complete audit trail from discovery through remediation. It also covers web, message, email, document, and social channels alongside voice, and includes data redaction to remove sensitive information from calls and messages. Pairing a monitoring tool like PerformLine with an outbound calling solution gives agencies a second layer of documentation and risk control. On its own, though, it doesn't place the check-in calls themselves.
Pros
- 100% call coverage instead of manual spot checking
- Rulebooks built on regulatory expertise and required disclosures
- Pinpoint playback of flagged call segments saves QA hours
- Documented audit trail usable in regulatory review situations
Cons
- It monitors calls rather than placing them, so it doesn't solve outbound check-in outreach on its own
- Pricing not publicly disclosed
- Requires an existing call operation to monitor
Best for: Insurance agencies and carriers with existing call operations that need automated compliance monitoring, disclosure verification, and audit-ready documentation of every call.
Choosing the right compliance and health check-in calls solution comes down to what your agency actually needs to accomplish, and how much of the compliance burden you want to carry yourself. If you want campaigns run for you, with consent records checked before a single call goes out, AI disclosure on every call, opt-outs honored immediately, and a dispositioned record of what happened on every contact, My AI Call Center is the clear editor's choice. Its managed model, transparent per-connected-minute pricing starting at 9¢, and strict list discipline mean you're never guessing whether a campaign is compliant before it launches. If you'd rather have human agents on sensitive health calls, Hugo's dedicated HIPAA-focused teams are worth a look. If you have technical staff and want to own the build, Retell AI offers strong pay-as-you-go AI voice tooling. ConfirmOk handles simple scheduled wellness confirmations well, and PerformLine adds a monitoring layer over calls you're already making. Ready to run structured, permissioned check-in campaigns without building a call center? Start with a free campaign review at myaicallcenter.app, or email [email protected]. You'll get the full number before approving launch, and they'll tell you plainly if your list won't support the campaign before you spend anything.
Frequently asked questions
What makes My AI Call Center different from other compliance calling providers?
My AI Call Center is a managed service, not software. They run structured outbound campaigns for you, each with one clear goal, quoted before launch, and only against approved, permissioned, or reviewed lists. They review list source and consent records before any campaign launches, flag bought lists without clear permission, and decline most of them. Compliance is built into every call: AI disclosure, keyword opt-outs (STOP and REVOKE) honored immediately, state-specific quiet hours, DNC requests respected across all campaigns, and HIPAA-compliant communication standards for clinic campaigns. Pricing starts at 9¢ per connected minute, tiered by volume, with the rate locked for the campaign and no per-seat charges or platform bill.
What TCPA rules apply to insurance agencies making check-in calls in 2026?
Under the TCPA, telephone solicitations must occur between 8 AM and 9 PM in the client's time zone, though some states like Florida and Louisiana close the window at 8 PM. As of October 18, 2026, Pennsylvania is stricter: solicitation calls and texts are restricted to 9 AM to 7 PM and prohibited on Sundays. If you use an autodialer or artificial voice, you need prior express written consent. Artificial or prerecorded voice messages must state your registered business name and provide an automated opt-out mechanism. Lists must also be scrubbed against the Do Not Call Registry at least every 31 days under the Telemarketing Sales Rule. Note that cold calling is strictly prohibited in Medicare business even with DNC scrubbing.
Do insurance calls about Medicare plans have special requirements?
Yes. According to CMS guidelines, all calls with customers who wish to discuss Medicare Advantage and Part D prescription drug plans must be recorded and stored for a minimum of ten years. The CSR must also communicate the required disclaimer language to the consumer within the first minute of the call. CMS updates its communications and marketing guidelines annually and issues updates throughout the year, so agencies running Medicare-related check-in or outreach calls need a solution that can document calls and disclosures properly.
Can My AI Call Center work with cold or purchased lead lists?
No, and that's deliberate. My AI Call Center only runs campaigns against approved, permissioned, or reviewed contact lists. List source and consent records are checked before any campaign launches, and bought lists without clear permission records are flagged and, in most cases, declined. They tell you plainly if the list won't support the campaign before you spend anything. For insurance agencies, that means the service works best with your existing client book, renewal lists, and opted-in contacts, where an established business relationship or documented consent exists.
How does per-minute AI calling compare in cost to human agent teams?
It depends on call complexity. My AI Call Center's calling starts at 9¢ per connected minute, tiered by volume, with the rate locked before launch. Hugo's dedicated human teams start at $11 per hour per agent, all-inclusive. For simple, structured check-in campaigns with a script and disposition codes, per-minute AI calling is usually far cheaper. For complex, judgment-heavy conversations, human agents may justify the higher cost. Retell AI sits in between at $0.07/min pay-as-you-go, but you own the build and the compliance responsibility, which is real work for a regulated insurance shop.
What deliverables should an insurance agency expect after a check-in calling campaign?
At minimum, you want a documented record of every contact attempt. My AI Call Center's deliverables include a dispositioned contact list with outcome codes (confirmed, qualified, renewed, opted out, no answer), per-call notes, outcome counts, routed follow-ups going back into your CRM, a completion and coverage report, and opt-out and DNC logs. That last piece matters for insurance specifically: CMS's Medicare call rules require recordings stored for ten years, and the FTC requires DNC compliance records, so audit-ready documentation isn't optional. If a provider can't show you exactly what happened on each call, keep looking.