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 floor at $14 to $22 per agent hour all-in. AHIP-trained Caribbean nearshore agents handle the unlicensed fronter perimeter; warm-transfer to your US-licensed enrollers who bind. 10-seat AEP pilot. Ramp August-September, open October 15.

$14 to $22/hr CFG nearshore AHIP-trained fronter $32 to $52/hr US-onshore Medicare call center fully loaded 40 to 55% cost reduction at AEP scale
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 floor 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 We do not enroll, do not quote specific plans, do not bind.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 contactYesOptional
Eligibility screening (age 65+, dual eligible, ESRD)YesOptional
Generic Medicare Advantage and Part D educationYes (MCMG-permitted scope)Optional
Plan-specific recommendationNoRequired
Scope of Appointment (SOA) collectionYes (rubric-aligned)Validates
Plan enrollment bindingNoRequired
Permission to Contact (PTC) complianceYes (script-baked)Validates
State Department of Insurance complaint handlingNoRequired

Three AEP capacity problems we solve

What brokerage operations leaders tell us at the discovery call.

01

"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 floor scales seasonally: 10-seat pilot in pre-AEP, 50-150 seats during AEP, drop back to steady state in December. Your licensed enrollers stay 1x.

02

"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 $14 to $22 reopens the lead-source economics: aged shared, returning aged, and second-touch leads return to positive contribution margin.

03

"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 AHIP-validation logging. CFG runs 100 percent of calls through AI QA against the MCMG rubric same-day with auditable trail. AHIP cert refresh tracked per-agent in the CFG client portal.

CMS MCMG, AHIP, TCPA, HIPAA

Compliance posture baked into the AEP floor 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.
  • AHIP-trained agents: every CFG fronter passes Medicare Advantage and Part D AHIP training annually. CFG schedules cohort certification in August before October 15 floor-open. Pass-rate logged in the CFG client portal.
  • 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: AHIP-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 floor produces.

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

$14 to $22
Per agent hour all-in
10 seats
Minimum AEP pilot
50 to 150+
AEP scale program range
$42 to $65
Cost per qualified app delivered
18 to 26%
Transfer-to-enrollment rate
88%
AHIP first-pass certification rate
4 to 6 wk
Ramp including AHIP cert
22%
90-day attrition (below global BPO avg)

Delivery footprint

Where we staff your AEP fronter floor.

CFG delivers US Medicare AEP fronter capacity from four nearshore locations. 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.

Related programs

Same operations stack, different healthcare buyer or vertical.

Other healthcare and insurance programs

Delivery country options

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

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

$14 to $22 per agent hour all-in. CMS MCMG-aligned. AHIP-trained agents. 4 to 6 week ramp including certification. October 15 floor-open targets booked through August 31. 10-seat AEP pilot minimum.

Get my 24-hour quote