Best Medicare FMOs in California

Compare Medicare FMOs serving California on carrier portfolio (Medicare Advantage, Medicare Supplement, and PDP), commission levels, AEP support, and release policy. Most Medicare FMOs contract agents nationwide, so a strong upline does not have to be headquartered in California, but reading verified agent reviews on UplineReview is the most reliable way to evaluate any Medicare upline before you contract.

Yes. 15 Medicare FMOs in the UplineReview directory list California as their headquarters. That said, most Medicare FMOs hold national carrier contracts, so you can also contract with a strong upline based in another state.

Medicare Advantage commissions are set by CMS and paid by the carrier at a standard national rate, with the FMO earning overrides. Medicare Supplement commissions are carrier-determined and passed through the FMO hierarchy. Confirm whether you hold a direct carrier appointment or a Licensed-Only-Agent (LOA) contract, as this affects how you are paid.