That's incorrect . I've done this at least 30 times . If I know I have to call wellcare or Aetna and be on hold 90 mins and it might not even be cancelled by the hardly English speaking person I rewrite same plan . It knocks pending app outIf you send in a new app for her current plan, the carrier will likely reject it since she is already enrolled in that plan. The easiest thing I have found is to do a 3-way with the client as mentioned above. Takes 5-10 minutes and you don't have to get together face to face or do any of the e-signature stuff (which people in my area seem to be intimidated by).