Built for Medicare FMOs & IMOs

Medicare FMO software for your whole downline

Ingest every carrier feed, roll up MA, MAPD, PDP, and med-supp production across your hierarchy, and track commissions and overrides down to the writing agent, automatically.

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Medicare is a high-volume, many-carrier business, and the data reflects it. Humana, Aetna, UnitedHealthcare, Cigna, and Wellcare each deliver book-of-business and commission files in their own format, on their own schedule, and an FMO has to reconcile all of them against a downline that changes every enrollment season.

AgencyGrid is built for exactly that. It pulls every carrier feed automatically through carrier SFTP integration, matches each policy to the writing agent by NPN, rolls production up your hierarchy, and computes commissions and overrides, so you spend AEP selling, not stitching spreadsheets together.

Every Medicare carrier, one grid

Connect carrier SFTP once for each carrier and AgencyGrid handles the rest: it downloads book-of-business and commission files on schedule, detects layout and encoding, maps the columns to your fields, and loads the result. New or changed layouts are handled with AI-assisted mapping, so a carrier tweaking their file format does not break your reporting. When enrollment season hits, the same feeds drive Medicare AEP reporting by agent, plan, and carrier.

✓ MA, MAPD, PDP, and med-supp production in one book
✓ Content-addressed dedupe so re-runs never double-count
✓ NPN matching with triage for unmatched rows

Overrides across the hierarchy

AgencyGrid models your uplines, downlines, and sub-agencies as one living structure. It computes each upline’s differential override on every policy the downline writes and cascades it up the chain, so you see projected override income per agent and across the whole FMO. Move or promote an agent and every rollup re-parents instantly.

Why Medicare FMOs choose AgencyGrid

Everything a Medicare shop runs on

Every carrier feed, automated

Humana, Aetna, UHC, Cigna, Wellcare and more: pulled, mapped, and loaded on schedule.

Your hierarchy, live

Move an agent and every rollup and override re-parents instantly.

Commissions & overrides

Expected-vs-actual pay per policy, with differential overrides cascaded up the chain.

Each agent sees their slice

Agents see their own Medicare book; managers see their team; you see the org.

FAQ

Common questions

What is Medicare FMO software?

It helps a field marketing organization manage its downline, ingest carrier book-of-business and commission data, and track production and compensation across the hierarchy. AgencyGrid automates the data side end to end: pulling carrier feeds, matching by NPN, and rolling everything up the grid.

Which Medicare carriers are supported?

AgencyGrid is carrier-agnostic. Any Medicare carrier that delivers a book-of-business or commission file over SFTP (Humana, Aetna, UnitedHealthcare, Cigna, Wellcare, and others) can feed the grid, with AI-assisted mapping for new layouts.

Can it track overrides across my downline?

Yes. It computes each upline’s differential override on every policy the downline writes and rolls those overrides up the chain, so you see projected override income per agent and across the whole FMO.

Does it handle LOA agents?

Yes. Mark an agent as LOA and AgencyGrid settles their business as agency-paid: the carrier pays the assignee the full commission, the agency pays the agent internally, intermediate uplines earn their override, and you get a clean payout sheet.

Keep exploring

Related guides

Run your Medicare FMO on one grid

Connect your first carrier feed and see your downline’s book, commissions, and overrides come to life.

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