Medicare products and resources for insurance agents

A (field marketing organization) is just another term for an FMO or IMO (independent marketing organization). Medicare FMOs are typically top-level organizations that are licensed to sell health insurance products in most, if not all, states.

While some carriers may offer direct contracting for agents, most reputable insurance carriers typically require agents to partner with an FMO (Field Marketing Organization).

Insurance agents are typically compensated through commissions on insurance policy premiums. This means the more policies they sell, the higher their earnings potential.

Under an assignment of commission contract, the commission is assigned to the FMO. This means the carrier pays the FMO, which then distributes the payment to the agent. Typically, the amount the agent receives is at the street level, equivalent to what they would earn under a direct contract.

Since most contracts are directly between you and the carrier, you would typically continue to receive renewal commissions for business issued through your previous FMO. However, if your commissions are paid through the FMO, whether you continue to receive them depends on the terms of the contract you signed with the FMO.

Yes, we provide user-friendly tools that allow you to compare plans quickly and efficiently for your clients.