For US Medicare Brokerages and FMOs · AEP Fronter Outsourcing

If you run a US Medicare brokerage or FMO, AEP capacity is your unfunded mandate.

CMS MCMG-aligned fronter team at $13 to $19 per agent hour all-in. Non-licensed Caribbean nearshore fronters on CMS MCMG-aligned scripts handle the fronter perimeter; warm-transfer to your US-licensed enrollers who bind. Pilot Month from one agent. Ramp August-September, open October 15.

$13 to $19/hr CFG nearshore fronter $32 to $52/hr US-onshore Medicare call center fully loaded 59 to 63% lower hourly cost at matching band ends

Get my 24-hour quote or see the full Medicare AEP pilot

CFG is a BPO, not a brokerage

The clean perimeter: where CFG stops and your licensed activity starts.

Call Force Global is a Caribbean nearshore BPO. We run the unlicensed Medicare fronter team for US brokerages, FMOs, and insurance agencies. We do not enroll, do not quote specific plans, do not bind. The licensed activity stays inside your agency or your downstream agency's licensed enrollers; the audit trail CMS expects from the brokerage that holds the contracts stays clean.

Activity	CFG nearshore fronter	Your US-licensed enroller
Inbound or outbound prospect contact	Yes	Optional
Eligibility screening (age 65+, dual eligible, ESRD)	Yes	Optional
Generic Medicare Advantage and Part D education	Yes (MCMG-permitted scope)	Optional
Plan-specific recommendation	No	Required
Scope of Appointment (SOA) collection	Yes (rubric-aligned)	Validates
Plan enrollment binding	No	Required
Permission to Contact (PTC) compliance	Yes (script-baked)	Validates
State Department of Insurance complaint handling	No	Required

Three AEP capacity problems we solve

What brokerage operations leaders tell us at the discovery call.

"AEP volume requires 4x our steady-state seat count"

Steady-state Medicare call center volume sits at one level Jan-September; AEP (October 15 to December 7) sees 4x to 8x that volume. Hiring 4x in-house US-licensed enrollers and then laying them off post-AEP is operationally impossible and economically punishing. CFG fronter team scales seasonally: a Pilot Month from one agent in pre-AEP, 50-150 seats during AEP, drop back to steady state in December. Your licensed enrollers stay 1x.

"Onshore lead-cost makes some lead sources unviable"

Medicare lead costs run $35 to $90 per real-time T65 lead, $8 to $25 per aged shared lead, $60 to $180 per live transfer. At US-onshore handling cost of $32 to $52 per hour fully loaded, the unit economics on lower-cost lead sources collapse. Nearshore at $13 to $19 reopens the lead-source economics: aged shared, returning aged, and second-touch leads return to positive contribution margin.

"CMS MCMG enforcement and the 2026 carrier-call-recording rule"

The 2026 CMS rule extension on third-party marketing organization (TPMO) call recording and the broader MCMG enforcement tightening means every fronter call needs full recording, full disclosure, and scope-of-appointment logging. CFG runs 100 percent of calls through AI QA against the MCMG rubric same-day with auditable trail.

CMS MCMG, TPMO, TCPA, HIPAA

Compliance posture baked into the AEP program before opening calls.

CMS MCMG fronter perimeter: scripts written to stay strictly within Marketing and Communication Guidelines for non-licensed staff. Generic plan information allowed; specific plan recommendations warm-transfer to your licensed enrollers.
Warm transfer to licensed agents: every CFG fronter works CMS MCMG-aligned scripts and hands plan questions to your AHIP-certified, state-licensed enrollers. CFG schedules cohort script calibration in August before October 15 AEP open.
Scope of Appointment (SOA) discipline: SOA collection workflows baked into the script, validated by your licensed enroller on warm-transfer. CMS 48-hour cooling-off window enforced where applicable.
2026 TPMO call recording rule: 100 percent of fronter calls recorded with encrypted storage. Retention aligned to CMS 10-year recording retention rule for marketing calls.
Permission to Contact (PTC) baked in: consent-language script-baked, PTC validation flagged in real-time on AI QA dashboard.
HIPAA-aware operations: PHI handling rules apply on fronter calls. Agents HIPAA-trained, recordings encrypted at rest and in transit, access logs auditable.
TCPA quiet-hour enforcement: outbound dialing respects state quiet hours; dialer blocks dials outside the consumer call window automatically.
100 percent AI QA on every call, from the $14 Scored Desk up: MCMG-aware rubric scored same-day in the CFG client portal. Your compliance officer sees scoring within minutes of call end.

Production benchmarks

What a CFG AEP fronter team produces.

CFG underwrites these bands in the pilot SLA. Numbers vary by carrier mix, lead source quality, and script-version maturity.

$13 to $19

Per agent hour all-in

1 agent

Pilot Month starting point

50 to 150+

AEP scale program range

$42 to $65

Cost per qualified app delivered

18 to 26%

Transfer-to-enrollment rate

10-yr

Call recording retention

7 business days

Kickoff to live

22%

90-day attrition (below global BPO avg)

Delivery footprint

Where we staff your AEP fronter team.

CFG delivers US Medicare AEP fronter capacity from six nearshore countries. Jamaica EST year-round for Medicare brokerages with English-only prospect bases. Trinidad AST for brokerages where the fronter workflow touches Medicare Supplement and Part D financial complexity (the Trinidad bench's finance literacy speeds up plan-comparison conversations). Colombia bilingual for brokerages serving US Hispanic Medicare populations in Texas, Florida, California, Arizona, NY metro where Spanish-language fronter capacity is a transfer-rate lever. Belize CST for brokerages HQ in Texas, Chicago, Minneapolis where Central Time alignment matters for prospect call coverage. Saint Lucia (AST) for small dedicated teams that stay on one program, and Guyana (UTC-4) for English Eastern-hours coverage from a market outside the crowded hubs.

Related programs

Same operations stack, different healthcare buyer or vertical.

Other healthcare and insurance programs

Delivery country options

Every CFG Medicare AEP fronter team ships connected to the CFG client portal: live transcripts, 100 percent AI QA on every call against the MCMG rubric from the $14 Scored Desk up, supervisor dashboards, and a CMS-ready compliance audit log of every fronter interaction.

Get a 24-hour quote on a Medicare AEP fronter team.

$13 to $19 per agent hour all-in. CMS MCMG-aligned. Warm transfer to your AHIP-certified, state-licensed enrollers. Live 7 business days after a completed kickoff. October 15 AEP open targets booked through August 31. Pilot Month from one agent.

Get my 24-hour quote