
406-829-2731 (TTY: 711)
By calling this number, you will be connected with a local licensed agent.
2409 Dearborn Avenue, Suite J, Missoula, MT 59801


Benefits of Working with an FMO
Source: An Excerpt From NABIP’s Comment Letter to CMS Re: FMOs, dated 1-5-24
As an independent agent/agency, you are responsible for a multitude of duties to stay compliant, educated and successful. It is critical to your business to partner with the best of the best FMOs in the industry plus local support.
Here is How We Can Help
Contracting and Licensing
Servicing Agent Need
Agents must be licensed in every state in which they do business and, in most states, appointed with every carrier with which they do business. This is a time-consuming and expensive process.
Role of the FMOs/GAs
Send recruiting links to interested agents and communicate the value proposition of the carrier. Assist in ensuring all contracts submitted are complete and in good order for carrier processing.
Continuing Education
Servicing Agent Need
Agents have to meet significant and ongoing continuing education requirements, and typically accessing approved continuing education content is an expensive endeavor.
Role of the FMOs/GAs
Provides/sponsors continuing education courses and course content for servicing agents. Many FMOs sponsor annual in-person forums for training and education.
Certifications
Servicing Agent Need
Agents must obtain national certifications and certification from each applicable carrier annually, which is both expensive and time-consuming.
Role of the FMOs/GAs
Provides access to/sponsorship of carrier and FWA certifications. Communicate to agents on their Ready to Sell status.
Errors and Omissions Insurance
Servicing Agent Need
For the protection of both beneficiaries and their business endeavors, agents need to obtain and maintain errors and omissions insurance coverage.
Role of the FMOs/GAs
Provides access to high-quality coverage to protect both clients and servicing agents. Group E&O discounts are sponsored programs.
Enrollment Support
Servicing Agent Need
Agents need resources to process their enrollments and serve the vulnerable senior population effectively.
Role of the FMOs/GAs
Provides state-of-the-art technology and tools to support agents with enrollment, including iPads, online enrollment platforms, compliant phone and zoom-based enrollment technology, provider and drug look up features, plan comparison technology, access to Medicare blue button data with client consent to ease enrollment and improve accuracy, and more.
Call Recording
Servicing Agent Need
Agents were required to record all MA/PDP calls starting in 2023 and store them which requires access to expensive technology.
Role of the FMOs/GAs
Provides technology to allow independent agents to record calls, to store them for 10 years and to be able to retrieve their recordings.
Client Relationship Management
Servicing Agent Need
Agents need technological resources to track client and potential client data, in order to best meet servicing needs.
Role of the FMOs/GAs
Provides CRM database technology and tools so that servicing agents can better manage crucial client relationships.
Lead Generation and Sales Support
Servicing Agent Need
Agents need access to potential clients and sales training resources.
Role of the FMOs/GAs
FMOs provide lead generation resources and sales, including resources for agents to purchase leads from vetted and reputable vendors, direct mail sources and lists, referrals and more.
Carrier Materials
Servicing Agent Need
Agents need training on carrier products and access to printed carrier materials.
Role of the FMOs/GAs
Sponsorship of specific product training, and distribute carrier-specific printed materials and marketing tools.
Marketing Materials and Support
Servicing Agent Need
Independent agents need resources to develop and maintain compliant marketing materials.
Role of the FMOs/GAs
Provide access to compliant and CMS-approved designs, agent website development and maintenance services, social media and electronic mail marketing tools and support.
Client Escalations
Servicing Agent Need
Servicing agents work with their clients year-round to address and resolve plan-based issues.
Role of the FMOs/GAs
Serve as a direct link to affiliated carriers, providing escalation resources and client issue resolution support.
Compliance Resources
Servicing Agent Need
Medicare sales and service is subject to both federal and state-level regulation. Independent agencies need help to always stay on the right side of constantly evolving rules and requirements.
Role of the FMOs/GAs
Provide 24/7 access to compliance officers, resources, training, industry overviews and guidance, and more.