Packerland
Guru
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This is how UHC has defines FMO (see below).
Note: an organization can be an FMO with UHC and Humana for example …the same organization can also NMA with other carriers Aetna Cigna etc… or an MGA with carriers and or GA’s with others ..
They’re really are three main players in this market you could say maybe four
Integrity, Amerlife, Senior Market Sales, The Brokerage, a few others
Overview and Hierarchy
An agent must be appropriately contracted, licensed, appointed (as required by the state), and certified in order to market or sell any UnitedHealthcare Medicare product.
UnitedHealthcare contracts directly with and pays commissions to the National Marketing Alliance (NMA), including Field Marketing Organization (FMO), Master General Agent (MGA), General Agent (GA), and Agent levels.
Solicitor agents have contractual or employment relationships with the NMA, FMO, or MGA. There is no contractual agreement between the solicitor and UnitedHealthcare.
The NMA has control over the contracting process of their down-line hierarchy including the FMO, MGA, GA, Agent and Solicitor. Therefore, contracting packets, that include all documentation required to contract with and/or be appointed (as required by the state) by UnitedHealthcare, are requested through the NMA. Completed packets are to be submitted to UnitedHealthcare by the NMA.
Agreements and Arrangements
Levels of Agreements There are five different levels of Agreements within the hierarchy structure at UnitedHealthcare: the Agent, General Agent (GA), Master General Agent (MGA), Field Marketing Organization (FMO), or National Marketing Alliance (NMA).
UnitedHealthcare maintains two direct, vested contracts (Agreements) which are used in contracting agents.
Individual Agent Agreement or Agency Agreement The Agent Agreements can be executed by individuals with an individual insurance license. They can also be executed as corporation agreements if the agency has the proper corporate license. UnitedHealthcare requires that agencies with a corporate license also have a principal who is licensed as an individual in that state.
Note: an organization can be an FMO with UHC and Humana for example …the same organization can also NMA with other carriers Aetna Cigna etc… or an MGA with carriers and or GA’s with others ..
They’re really are three main players in this market you could say maybe four
Integrity, Amerlife, Senior Market Sales, The Brokerage, a few others
Overview and Hierarchy
An agent must be appropriately contracted, licensed, appointed (as required by the state), and certified in order to market or sell any UnitedHealthcare Medicare product.
UnitedHealthcare contracts directly with and pays commissions to the National Marketing Alliance (NMA), including Field Marketing Organization (FMO), Master General Agent (MGA), General Agent (GA), and Agent levels.
Solicitor agents have contractual or employment relationships with the NMA, FMO, or MGA. There is no contractual agreement between the solicitor and UnitedHealthcare.
The NMA has control over the contracting process of their down-line hierarchy including the FMO, MGA, GA, Agent and Solicitor. Therefore, contracting packets, that include all documentation required to contract with and/or be appointed (as required by the state) by UnitedHealthcare, are requested through the NMA. Completed packets are to be submitted to UnitedHealthcare by the NMA.
Agreements and Arrangements
Levels of Agreements There are five different levels of Agreements within the hierarchy structure at UnitedHealthcare: the Agent, General Agent (GA), Master General Agent (MGA), Field Marketing Organization (FMO), or National Marketing Alliance (NMA).
UnitedHealthcare maintains two direct, vested contracts (Agreements) which are used in contracting agents.
Individual Agent Agreement or Agency Agreement The Agent Agreements can be executed by individuals with an individual insurance license. They can also be executed as corporation agreements if the agency has the proper corporate license. UnitedHealthcare requires that agencies with a corporate license also have a principal who is licensed as an individual in that state.
