– Medicare FMO for Independent Agents
Build a Medicare book with a partner who actually shows up.
Free CRM. Real 1-on-1 mentorship. Up to $900/month in production-based marketing dollars. TMS is the Medicare FMO independent agents choose when they’re done working alone.
- 30+ Top Carriers
- AHIP & E&O reimbursed
- San Antonio, TX-based Medicare FMO
Ernest Arredondo
Independent Medicare agent with TMS Insurance Brokerage. I help fellow agents build a real Medicare book — with the training, tools, and marketing support to back it up.
30+
$900/mo
1:1
19+ yrs
– Why partner with TMS
Everything you need to build a Medicare book the right way.
Real support, real tools, real marketing dollars — not another contract mill. Here’s what independent agents get when they partner with TMS.
Up to $900/mo marketing dollars
Earn real marketing budget based on your production — spend it on digital ads, leads, direct mail, or events. The more you produce, the more you earn through TMS Cash.
Free OmniReach CRM
Automation-ready CRM built for Medicare agents. Pipelines, follow-ups, and reporting in one login — free while you're contracted with TMS.
1-on-1 mentorship, not scripts
Live weekly coaching, real answers, and a team that actually knows your name. From day one you have a mentor — not just a portal login.
AHIP & E&O reimbursed
We reimburse AHIP and E&O costs on qualifying production so you keep more of what you earn — every start-of-season and every renewal.
30+ top-tier carriers
Direct access to the carriers your clients trust — including recognized top-producer status with Aetna, Humana, UnitedHealthcare and Wellcare.
Compliance-first culture
CMS-aware training, SOA workflows, and monthly compliance updates so you can grow fast without putting your license at risk.
– Support & Training
We equip you the right way — from day one.
We don’t guess our way through agent support. We train you, coach you, and give you automation-ready tools so you can sell more, stay organized, and grow faster.
From Medicare fundamentals to advanced business strategy — and we stay with you every step of the way.
MedicareAgentIQ
12-hour self-study course
SOA & Compliance
CMS-aware · Updated monthly
1-on-1 Mentorship
Live weekly coaching calls
TMS Agent Cockpit
Dashboard · Leads · Enrollments · Reports
– Tools & Technology
An all-in-one toolkit that empowers you to grow.
Our platform streamlines your operations so you can focus on writing business. A free automation-ready CRM, an agent-branded quoting and enrollment platform, and the integrations you need to manage leads, track clients, and stay compliant.
OmniReach CRM
Pipelines, automated follow-up, calendars, and reporting — built for Medicare, life, and final expense agents.
Agent-branded quoting & enrollment
Present quotes and enroll clients under your own brand — with the compliance guardrails already built in.
Automation that supports humans
Automation should enhance human support, not replace it. Our stack is built to give you leverage while your clients still talk to a real person.
Illustrative preview. Actual dashboard views depend on agent contract and carrier reporting.
– Carriers & Products
Contracts with the carriers your clients trust.
Our agents have earned top-producer recognition with Aetna, Humana, UnitedHealthcare, and Wellcare — plus direct access to a full stable of national and regional carriers.
Aetna
+ many more
– Carriers & Products
"It feels like a family. "
Agents join TMS because they’re tired of working alone. Here’s what they say after they do.
Since joining TMS four years ago, I’ve expanded my Medicare knowledge and the flexibility of contracting with multiple companies. The support is fundamental — TMS has helped me become better educated and prepared for the range of issues that come with Medicare plans.
Vince Cuadra
TMS Agent · 4 years
Your TMS Partner
Ernest Arredondo
I’m a General Agent with TMS Insurance Brokerage. My job isn’t to get you signed and disappear — it’s to help you build a durable Medicare book with the training, mentorship, tools, and marketing support most FMOs never give you. If you’re serious about growing the right way, let’s talk.
Experience
2–5 yrs
Service Area
Texas
Languages
English & Spanish
Focus
MA, MAPD, Med Supp, Ancillary
– Common Questions
What agents ask before they contract.
Do I have to give up my current carrier contracts?
Not necessarily. Some agents come to us with just a contract or two, and we’ll talk through what makes sense for your situation. That said, to take full advantage of everything TMS offers — including the OmniReach CRM — we do require appointments with the four major carriers: UnitedHealthcare, Humana, Aetna, and HealthSpring. Some exceptions apply, so don’t hesitate to ask your recruiter.
Am I an employee of TMS?
No. Our Medicare agents are independent 1099 producers. You own your book, you own your relationships, and you control your schedule. TMS provides the FMO infrastructure, training, tools, and marketing support around you.
How does the marketing money actually work?
TMS Cash is production-based — the more qualifying business you write, the more marketing dollars you earn (up to $900/month). Use it on digital ads, direct mail, leads, events, or approved marketing activities. Marketing benefits are subject to eligibility, production thresholds, and CMS marketing rules.
What's the training like if I'm new to Medicare?
You’ll start with MedicareAgentIQ — a 12-hour self-study course to get you going — plus weekly 1-on-1 coaching, live SOA and compliance updates every month, and hands-on support inside the TMS Agent Cockpit. You’re never left to figure it out alone.
Do you actually reimburse AHIP and E&O?
Yes. AHIP and E&O are reimbursed on qualifying production, per our current agent agreement. Your recruiter can walk through the specifics and thresholds for your situation before you sign anything
What states are you actively recruiting in?
TMS is headquartered in San Antonio, Texas, and actively growing across Texas markets — including San Antonio, Austin, Dallas–Fort Worth, Houston, Waco, McAllen, and the Rio Grande Valley. Ask your recruiter about carrier availability and licensing in your specific area.
Is the CRM really free?
The OmniReach CRM is provided at no cost to TMS-contracted agents in good standing. Standard usage fees (like carrier-billed messaging surcharges) may apply where noted, but the core platform, automations, and support are included.
Grow your business your way.
TMS Insurance Brokerage is a Field Marketing Organization (FMO) serving licensed, appointed independent insurance agents. This page is intended for agent recruiting only — it is not intended for Medicare beneficiaries. All statements about compensation, marketing dollars, reimbursements, and carrier appointments are subject to your signed agent agreement, carrier approval, and applicable CMS and state insurance regulations.
Headquartered in San Antonio, Texas. Recruiting independent Medicare agents who are done working alone.
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