{"id":2512,"date":"2025-04-18T14:06:41","date_gmt":"2025-04-18T14:06:41","guid":{"rendered":"https:\/\/tmsbrokerage.com\/?p=2512"},"modified":"2025-04-18T14:06:41","modified_gmt":"2025-04-18T14:06:41","slug":"cual-es-la-diferencia-entre-una-fmo-regional-y-una-nma","status":"publish","type":"post","link":"https:\/\/tmsbrokerage.com\/es\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/","title":{"rendered":"\u00bfCu\u00e1l es la diferencia entre una OMF regional y una ANM?"},"content":{"rendered":"

(Y por qu\u00e9 es importante para usted como agente)<\/em><\/p>\n

Si lleva tiempo en el sector de Medicare, probablemente habr\u00e1 o\u00eddo t\u00e9rminos como OMF regional<\/u><\/strong><\/a>,\u00a0SGA<\/strong>, y\u00a0regional<\/strong>\u00a0NMA<\/strong>\u00a0lanzados como sopa de letras.<\/p>\n

Pero, \u00bfqu\u00e9 significan realmente? Y, lo que es m\u00e1s importante, \u00bfimportan a la hora de ampliar su cartera de clientes?<\/p>\n

Respuesta corta: s\u00ed, de verdad.<\/p>\n

Vamos a explicarlo en lenguaje sencillo, de agente a agente.<\/p>\n

Primero, un poco de historia de Medicare: \u00bfQu\u00e9 pas\u00f3 con los SGA?<\/strong><\/h2>\n

Rebobinemos un poco.<\/p>\n

Desde hace a\u00f1os,\u00a0UnitedHealthcare<\/strong>\u00a0(UHC) utilizaba un sistema escalonado para la distribuci\u00f3n de las agencias. Uno de esos niveles clave era el\u00a0SGA<\/strong>, que significa\u00a0Agencia Super General<\/strong>.<\/p>\n

Los SGA eran socios muy respetados y de gran volumen que trabajaban directamente con UHC y estaban autorizados a designar l\u00edneas descendentes, como MGA (Managing General Agents), GA (General Agents) y agentes independientes.<\/p>\n

Pero hace unos a\u00f1os, UHC se reestructur\u00f3. Ellos\u00a0eliminado el t\u00edtulo \u201cSGA<\/strong>\u00a0y comenz\u00f3 a llamar a todos los socios de distribuci\u00f3n en ese nivel simplemente\u00a0OMF<\/strong>-Organizaciones de marketing de campo.<\/p>\n

Aunque las etiquetas han cambiado, la estructura de poder no ha desaparecido. Sigue habiendo grandes OMF con influencia nacional y otras m\u00e1s peque\u00f1as con profundas ra\u00edces locales.<\/p>\n

Ah\u00ed es donde el\u00a0regional FMO vs. NMA<\/strong>\u00a0entra en juego la conversaci\u00f3n.<\/p>\n

\u00bfQu\u00e9 es un OMF regional?<\/strong><\/h2>\n

A\u00a0OMF regional<\/strong>\u00a0suele ser un grupo m\u00e1s peque\u00f1o y centrado que trabaja directamente con agentes de una zona o un estado concretos. Estos son los equipos que:<\/p>\n

    \n
  • Ayudarle con la contrataci\u00f3n y la incorporaci\u00f3n<\/li>\n
  • Contesta a tus llamadas (cont\u00e9stalas de verdad)<\/li>\n
  • Organice cursos de formaci\u00f3n y eventos a los que pueda asistir<\/li>\n
  • Ofrecer apoyo pr\u00e1ctico durante el PEA y despu\u00e9s<\/li>\n<\/ul>\n

    Conocen tu c\u00f3digo postal. Han estado en tu Walgreens. Conocen el\u00a0mercado local<\/em>, no s\u00f3lo el libro de jugadas nacional.<\/p>\n

    Est\u00e1n lo suficientemente cerca como para preocuparse, y eso es importante cuando diriges un negocio independiente.<\/p>\n

    \u00bfQu\u00e9 es una NMA?<\/strong><\/h2>\n

    En\u00a0NMA<\/strong>, o\u00a0Alianza Nacional de Marketing<\/strong>, es una\u00a0mayor socio a nivel nacional<\/strong>\u00a0que suele trabajar entre bastidores para apoyar a m\u00faltiples OMF de todo el pa\u00eds.<\/p>\n

    A menudo:<\/p>\n

      \n
    • Relaciones directas con los principales transportistas<\/li>\n
    • Proporcionar infraestructura, plataformas tecnol\u00f3gicas y recursos de cumplimiento<\/li>\n
    • Negociar contratos a escala nacional y apoyo a la comercializaci\u00f3n<\/li>\n<\/ul>\n

      Piense en ellos como el \u201cdistribuidor mayorista\u201d de la tienda local de su OMF.<\/p>\n

      Puede que usted, como agente, nunca interact\u00fae directamente con la NMA, pero\u00a0do<\/em>\u00a0beneficiarse de su alcance, herramientas y escala (si su OMF est\u00e1 asociada con una de ellas).<\/p>\n

      Lo mejor de dos mundos: por qu\u00e9 es importante esta estructura<\/strong><\/h2>\n

      Aqu\u00ed es donde se vuelve poderoso.<\/p>\n

      Cuando trabaje con un\u00a0OMF regional asociada a una ANM nacional<\/strong>, ...obtendr\u00e1 la mezcla perfecta:<\/p>\n

        \n
      • Apoyo personal y conocimiento del mercado local<\/strong><\/li>\n
      • Herramientas, tecnolog\u00eda y contratos de alto nivel a escala nacional<\/strong><\/li>\n<\/ul>\n

        En\u00a0TMS Corredur\u00eda de Seguros<\/strong>, Estamos orgullosos de ser\u00a0OMF regional<\/strong>\u00a0con profundas ra\u00edces en Texas y un alcance cada vez mayor, pero tambi\u00e9n\u00a0asociarse con una AMN de primer nivel<\/strong>\u00a0para dar a nuestros agentes acceso a todo lo que necesitan para crecer y competir en todo el pa\u00eds.<\/p>\n

        Es decir:<\/p>\n

          \n
        • Recibes apoyo real de un equipo real.<\/li>\n
        • Conservas tu independencia y flexibilidad.<\/li>\n
        • Y podr\u00e1 aprovechar los contratos y herramientas nacionales sin perderse en la confusi\u00f3n.<\/li>\n<\/ul>\n

          En conclusi\u00f3n: Sepa con qui\u00e9n trabaja realmente<\/strong><\/h2>\n

          La jerarqu\u00eda de Medicare puede resultar confusa, sobre todo con todos los cambios de t\u00edtulo que se han producido a lo largo de los a\u00f1os.<\/p>\n

          Pero entender la diferencia entre un\u00a0FMO<\/strong>\u00a0y un\u00a0NMA<\/strong>-y c\u00f3mo el viejo\u00a0Modelo SGA<\/strong>\u00a0evolved- puede ayudarle a tomar decisiones m\u00e1s inteligentes sobre qui\u00e9n apoya realmente su negocio.<\/p>\n

          Si busca el punto \u00f3ptimo entre\u00a0lealtad local y fuerza nacional<\/strong>, nos encantar\u00eda hablar.<\/p>\n

          \ud83d\udc49\u00a0P\u00f3ngase en contacto con nosotros para saber c\u00f3mo TMS combina el servicio personal con potentes asociaciones y por qu\u00e9 puede ser el apoyo que le faltaba.<\/em><\/p>","protected":false},"excerpt":{"rendered":"

          (And Why It Matters to You as an Agent) If you\u2019ve been in the Medicare space for a while, you\u2019ve probably heard terms like regional FMO,\u00a0SGA, and\u00a0regional\u00a0NMA\u00a0thrown around like alphabet soup. But what do they actually mean? And more importantly\u2014does it matter when you\u2019re trying to grow your book of business? Short answer: yes, it […]<\/p>\n","protected":false},"author":1,"featured_media":2513,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[17],"tags":[28],"class_list":["post-2512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medicare-fmo","tag-medicare"],"yoast_head":"\nRegional FMO vs NMA: What Medicare Agents Need to Know<\/title>\n<meta name=\"description\" content=\"Learn the key differences between a Regional FMO and Regional NMA, and how TMS blends local support with national reach to help Medicare agents.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tmsbrokerage.com\/es\/2025\/04\/18\/cual-es-la-diferencia-entre-una-fmo-regional-y-una-nma\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Regional FMO vs NMA: What Medicare Agents Need to Know\" \/>\n<meta property=\"og:description\" content=\"Learn the key differences between a Regional FMO and Regional NMA, and how TMS blends local support with national reach to help Medicare agents.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tmsbrokerage.com\/es\/2025\/04\/18\/cual-es-la-diferencia-entre-una-fmo-regional-y-una-nma\/\" \/>\n<meta property=\"og:site_name\" content=\"TMS - Medicare FMO Texas\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-18T14:06:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tmsbrokerage.com\/wp-content\/uploads\/2025\/04\/Picture1-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"855\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"tmsinsurance\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"tmsinsurance\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/\"},\"author\":{\"name\":\"tmsinsurance\",\"@id\":\"https:\/\/tmsbrokerage.com\/#\/schema\/person\/388f30f01fc6d6ebf51b68f09829ab9d\"},\"headline\":\"What\u2019s the Difference Between a Regional FMO and an NMA?\",\"datePublished\":\"2025-04-18T14:06:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/\"},\"wordCount\":615,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/tmsbrokerage.com\/wp-content\/uploads\/2025\/04\/Picture1-1.png\",\"keywords\":[\"Medicare\"],\"articleSection\":[\"Medicare FMO\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/\",\"url\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/\",\"name\":\"Regional FMO vs NMA: What Medicare Agents Need to Know\",\"isPartOf\":{\"@id\":\"https:\/\/tmsbrokerage.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/tmsbrokerage.com\/wp-content\/uploads\/2025\/04\/Picture1-1.png\",\"datePublished\":\"2025-04-18T14:06:41+00:00\",\"author\":{\"@id\":\"https:\/\/tmsbrokerage.com\/#\/schema\/person\/388f30f01fc6d6ebf51b68f09829ab9d\"},\"description\":\"Learn the key differences between a Regional FMO and Regional NMA, and how TMS blends local support with national reach to help Medicare agents.\",\"breadcrumb\":{\"@id\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/#primaryimage\",\"url\":\"https:\/\/tmsbrokerage.com\/wp-content\/uploads\/2025\/04\/Picture1-1.png\",\"contentUrl\":\"https:\/\/tmsbrokerage.com\/wp-content\/uploads\/2025\/04\/Picture1-1.png\",\"width\":1280,\"height\":855},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/tmsbrokerage.com\/2025\/04\/18\/whats-the-difference-between-a-regional-fmo-and-an-nma\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/tmsbrokerage.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What\u2019s the Difference Between a Regional FMO and an NMA?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/tmsbrokerage.com\/#website\",\"url\":\"https:\/\/tmsbrokerage.com\/\",\"name\":\"TMS - 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