{"id":5718,"date":"2026-06-26T10:24:00","date_gmt":"2026-06-26T10:24:00","guid":{"rendered":"https:\/\/tmsbrokerage.com\/?p=5718"},"modified":"2026-06-18T10:34:09","modified_gmt":"2026-06-18T10:34:09","slug":"cms-publico-las-tarifas-de-comision-de-medicare-para-2027-esto-es-lo-que-los-agentes-independientes-deberian-hacer-al-respecto","status":"publish","type":"post","link":"https:\/\/tmsbrokerage.com\/es\/2026\/06\/26\/cms-released-the-2027-medicare-commission-rates-heres-what-independent-agents-should-actually-do-about-it\/","title":{"rendered":"CMS Lanz\u00f3 las Tarifas de Comisi\u00f3n de Medicare de 2027 \u2014 Esto es lo que los Agentes Independientes Deber\u00edan Hacer Realmente al Respecto"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">El 1 de junio de 2026,<\/span> <a href=\"https:\/\/tmsbrokerage.com\/es\/2026\/04\/28\/norma-final-de-cms-de-2027-que-significa-para-los-agentes-de-medicare\/\"><b>CMS liber\u00f3 el 2027<\/b><\/a><span style=\"font-weight: 400;\"> Comisiones de valor justo de mercado (FMV).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para la mayor\u00eda de los agentes, incluidos los de Texas:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">La compensaci\u00f3n inicial de Medicare Advantage aumenta a <\/span><b>$725 por socio al a\u00f1o<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Aumentos de compensaci\u00f3n de PDP <\/span><b>De 14% a $130<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Estos son m\u00e1ximos, no garant\u00edas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tu verdadero trabajo ahora es asegurarte de que tu FMO realmente te transmita la cantidad completa.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Probablemente ya hayas visto los titulares:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u201cLas comisiones de Medicare Advantage aumentan un 4,51 TP3T para 2027\u201d.\u201d<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u201cLas comisiones de la Parte D se disparan un 14%\u201d.\u201d<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Y si est\u00e1s escribiendo un volumen significativo, tu primera reacci\u00f3n probablemente fue:<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">\u201cDe acuerdo, pero \u00bfeso realmente significa m\u00e1s dinero en mi bolsillo?\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Aqu\u00ed est\u00e1 la cosa.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Podr\u00eda ser.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Y es posible que no.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Eso depende completamente de c\u00f3mo tu l\u00ednea ascendente maneje la compensaci\u00f3n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Analicemos qu\u00e9 public\u00f3 realmente CMS, qu\u00e9 significan las cifras para su negocio y qu\u00e9 debe hacer entre ahora y el AEP para asegurarse de no dejar dinero sobre la mesa.<\/span><\/p>\n<h2><b>\u00bfQu\u00e9 public\u00f3 realmente CMS el 1 de junio?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">El 1 de junio de 2026, el CMS public\u00f3 su gu\u00eda anual de Valor Razonable de Mercado (FMV, por sus siglas en ingl\u00e9s) de compensaci\u00f3n para 2027.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Estas cantidades representan las <\/span><b>Comisiones m\u00e1ximas<\/b><span style=\"font-weight: 400;\"> Las aseguradoras pueden pagar a las agencias y agentes por las inscripciones en Medicare Advantage y Parte D.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El CMS hace esto cada a\u00f1o, pero el calendario y el tama\u00f1o de los aumentos hacen que este lanzamiento sea particularmente importante.<\/span><\/p>\n<h2><b>\u00bfQu\u00e9 es FMV?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Piensa en el FMV (Fair Market Value, Valor de Mercado Justo) como un techo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">El CMS no dicta exactamente lo que las aseguradoras deben pagar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En su lugar, CMS establece la cantidad m\u00e1xima que las aseguradoras tienen permitido pagar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Desde all\u00ed, la compensaci\u00f3n fluye a trav\u00e9s del sistema:<\/span><\/p>\n<p><b>Operador \u2192 FMO\/Upline \u2192 Agente<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Cu\u00e1nto de esa cantidad llega finalmente a tu cuenta bancaria depende de tu contrato.<\/span><\/p>\n<p><b>Fecha importante a recordar<\/b><\/p>\n<p><b>31 de julio de 2026<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Los transportistas y planes deben presentar sus programas de compensaci\u00f3n oficiales de 2027 al CMS en esta fecha.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Eso significa que si las cuadr\u00edculas de compensaci\u00f3n actualizadas a\u00fan no han aparecido, eso es normal.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de las aerol\u00edneas finalizar\u00e1n y publicar\u00e1n sus horarios a lo largo del verano.<\/span><\/p>\n<p><b>Mayores esfuerzos de transparencia<\/b><\/p>\n<p><span style=\"font-weight: 400;\">CMS tambi\u00e9n anunci\u00f3 la recopilaci\u00f3n ampliada de datos voluntarios de compensaci\u00f3n para 2027.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si bien esto no cambia directamente tu cheque de comisi\u00f3n, se\u00f1ala un impulso continuo hacia una mayor transparencia sobre c\u00f3mo los d\u00f3lares de compensaci\u00f3n se mueven a trav\u00e9s de la industria.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para los agentes, una mayor transparencia es generalmente un desarrollo positivo.<\/span><\/p>\n<h2><b>\u00bfCu\u00e1les ser\u00e1n las tasas de comisi\u00f3n de MA y PDP de 2027 que ver\u00e1n los agentes de Texas?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Para Texas y la mayor\u00eda de los otros estados, los montos del valor justo de mercado para 2027 son:<\/span><\/p>\n<p><b>Medicare Advantage (MA\/MAPD)<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Escribir<\/b><\/td>\n<td><b>2026<\/b><\/td>\n<td><b>2027<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Inscripci\u00f3n inicial<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$694<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$725<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Renovaci\u00f3n<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$347<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$363<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-weight: 400;\">Eso es aproximadamente:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Aumento de 4,51 TP3T para las matr\u00edculas iniciales<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Aumento de 4,61 TP3T para las renovaciones<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Texas entra en la categor\u00eda nacional de \u201cTodos los dem\u00e1s estados\u201d, por lo que estas tarifas se aplican independientemente de si usted est\u00e1 escribiendo negocios en:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Houston<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Dallas<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">San Antonio<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">El Paso<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Valle del R\u00edo Grande<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfEn alg\u00fan otro lugar de Texas?<\/span><\/li>\n<\/ul>\n<h2><b>An\u00e1lisis Completo de FMV de 2027<\/b><\/h2>\n<p><b>Medicare Advantage<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Regi\u00f3n<\/b><\/td>\n<td><b>Inicio<\/b><\/td>\n<td><b>Renovaci\u00f3n<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Nacional (incluye Texas)<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$725<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$363<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">California y Nueva Jersey<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$902<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$451<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Connecticut, Pensilvania y DC<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$816<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$408<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Puerto Rico y las Islas V\u00edrgenes de los Estados Unidos<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$495<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$248<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Planes de Medicamentos Recetados (PDP)<\/b><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Escribir<\/b><\/td>\n<td><b>Inicio<\/b><\/td>\n<td><b>Renovaci\u00f3n<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">PDP Nacional<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$130<\/span><\/td>\n<td><span style=\"font-weight: 400;\">$65<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><b>Tarifas de referencia<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Sin cambios para 2027:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00f3digo de referencia de MA: $100<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comisi\u00f3n por recomendaci\u00f3n de PDP: $25<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">La conclusi\u00f3n clave:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Una inscripci\u00f3n en Medicare Advantage de Texas a valor justo de mercado (FMV) completo deber\u00eda generar:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>$725: indemnizaci\u00f3n inicial<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>$363: remuneraci\u00f3n por renovaci\u00f3n anual<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Y esos d\u00f3lares de renovaci\u00f3n son los que construyen silenciosamente un negocio a largo plazo.<\/span><\/p>\n<h2><b>\u00bfPor qu\u00e9 las comisiones del PDP se dispararon un 14%, mientras que las del MA solo aumentaron alrededor de un 4,5%?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">La respuesta corta:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los productos utilizan f\u00f3rmulas de compensaci\u00f3n diferentes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La compensaci\u00f3n de PDP hist\u00f3ricamente se ha quedado atr\u00e1s con respecto a la cantidad de trabajo requerida para atender a esos clientes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">CMS ajusta la compensaci\u00f3n bas\u00e1ndose en datos de mercado y costos del plan, y la Parte D estaba programada para una correcci\u00f3n mayor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Durante a\u00f1os, muchos agentes consideraron el negocio independiente de PDP como algo que manejaban por cortes\u00eda en lugar de una fuente de ingresos significativa.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Un aumento de 14% no convierte de repente las inscripciones en el PDP en una mina de oro.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pero los hace m\u00e1s valiosos que antes.<\/span><\/p>\n<p><b>Por qu\u00e9 esto importa<\/b><\/p>\n<p><span style=\"font-weight: 400;\">En:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$130: remuneraci\u00f3n inicial<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Indemnizaci\u00f3n por renovaci\u00f3n del contrato $65<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">esos clientes que solo usan PDP merecen otra mirada.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esta es una buena oportunidad para revisar tu libro actual.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si has acumulado un gran grupo de clientes con potencial de desarrollo (PDP) con los que rara vez has contactado, 2027 puede ser el a\u00f1o para crear un proceso de seguimiento estructurado.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Contar con un CRM espec\u00edfico para Medicare que pueda segmentar y rastrear a esos clientes facilita significativamente ese proceso.<\/span><\/p>\n<h2><b>\u00bfC\u00f3mo me aseguro de que mi FMO me est\u00e9 pagando el nuevo m\u00e1ximo?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Esta es la secci\u00f3n m\u00e1s importante de todo el art\u00edculo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Recuerda:<\/span><\/p>\n<p><b>La FMV establece un m\u00e1ximo, no un m\u00ednimo.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">CMS no requiere que una FMO o un nivel superior transfieran el monto completo al agente.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Algunas organizaciones retienen una parte de la compensaci\u00f3n antes de que llegue a usted.<\/span><\/p>\n<p><b>Empieza Aqu\u00ed<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Saquen sus contratos reales de transportista.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Luego compare su nivel de compensaci\u00f3n con las cantidades publicadas de FMV para su estado.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si est\u00e1s en Texas y tu compensaci\u00f3n es materialmente inferior a:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">$725, MA inicial<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Renovaci\u00f3n de la autorizaci\u00f3n de comercializaci\u00f3n (MA) del $363<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">entonces es justo preguntar ad\u00f3nde va la diferencia.<\/span><\/p>\n<p><b>Preguntas que vale la pena hacerle a tu FMO<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfTengo un contrato a valor justo de mercado completo?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfHay alg\u00fan corte de pelo aplicado a mis comisiones?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfCu\u00e1ndo estar\u00e1 disponible mi calendario de compensaciones de 2027?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfSoy due\u00f1o de mi cartera de clientes?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfQu\u00e9 pasa con mi libro si me voy?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfAlguien puede guiarme a trav\u00e9s de mi estructura de compensaci\u00f3n l\u00ednea por l\u00ednea?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Esa \u00faltima pregunta es m\u00e1s importante de lo que la mayor\u00eda de los agentes se dan cuenta.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Muchos agentes nunca han tenido a alguien que les explique claramente c\u00f3mo funciona su compensaci\u00f3n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En TMS, eso es parte del rol de Gerente de \u00c9xito del Agente.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Creemos que los agentes deben entender exactamente c\u00f3mo fluye la compensaci\u00f3n desde la aseguradora hasta su cheque de pago.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">No vamos a prometer niveles de compensaci\u00f3n espec\u00edficos aqu\u00ed porque los contratos var\u00edan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pero nunca deber\u00edas quedarte con la duda sobre c\u00f3mo funciona tu propia estructura de compensaci\u00f3n.<\/span><\/p>\n<h2><b>\u00bfQu\u00e9 deber\u00eda hacer entre ahora y el AEP?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Entre ahora y el AEP, enf\u00f3quese en la organizaci\u00f3n, la preparaci\u00f3n y la visibilidad de sus n\u00fameros.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Las tablas de compensaci\u00f3n de los transportistas oficiales deben entregarse a la CMS a m\u00e1s tardar el 31 de julio de 2026, por lo que se esperan cuadr\u00edculas de compensaci\u00f3n definitivas durante todo el verano.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En todo Texas, desde el Valle del R\u00edo Grande hasta el Panhandle, los agentes se hacen dos preguntas comunes:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfEstoy recibiendo la tasa de compensaci\u00f3n completa?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00bfQu\u00e9 debo hacer con el aumento del PDP?<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Ambas preguntas son manejables con un poco de preparaci\u00f3n.<\/span><\/p>\n<p><b>Lista de verificaci\u00f3n de acciones pr\u00e1cticas<\/b><\/p>\n<p><b>Verificar niveles de contrato<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Confirmar si usted est\u00e1 contratado a valor justo de mercado (FMV) por ambas partes:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medicare Advantage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Planes de medicamentos recetados<\/span><\/li>\n<\/ul>\n<p><b>Solicitar calendarios de compensaci\u00f3n actualizados<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Pregunta a tu FMO cu\u00e1ndo estar\u00e1n disponibles las tablas de compensaci\u00f3n actualizadas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si no pueden dar una respuesta clara, esa es informaci\u00f3n \u00fatil.<\/span><\/p>\n<p><b>Revisa tu Libro de PDP<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Dado el aumento de 14% en la indemnizaci\u00f3n del PDP, es posible que esos clientes merezcan m\u00e1s atenci\u00f3n de la que han recibido hasta ahora.<\/span><\/p>\n<p><b>Optimiza tu CRM<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Aseg\u00farate de que las renovaciones se est\u00e9n realizando correctamente.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esa renovaci\u00f3n anual del $363 es valiosa, pero solo si se consigue retener al cliente.<\/span><\/p>\n<p><b>Seguir aprendiendo<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Comprender el lado comercial de Medicare es tan importante como comprender las ventas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Nuestra filosof\u00eda de capacitaci\u00f3n y el podcast Medicare Agent IQ se centran en gran medida en ayudar a los agentes a comprender ambos.<\/span><\/p>\n<h2><b>\u00bfY si esto te hace cuestionar tu configuraci\u00f3n actual?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Si revisar estas cifras te hace darte cuenta de que nunca has entendido completamente tu estructura de compensaci\u00f3n, vale la pena abordarlo antes del AEP, no durante el mismo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Y si su actual l\u00ednea ascendente se vuelve dif\u00edcil de contactar cuando surgen preguntas sobre compensaci\u00f3n, puede valer la pena aprender a cambiar de FMO de manera segura para poder evaluar otras opciones sin poner en riesgo su cartera de negocios.<\/span><\/p>\n<h2><b>Entonces, \u00bfd\u00f3nde encaja TMS en todo esto?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">No vamos a decirle que TMS paga \u201cpor encima del valor de mercado\u201d.\u201d<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Afirmaciones como esa suenan impresionantes pero significan muy poco sin revisar un contrato real.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lo que te diremos es que la transparencia es una parte fundamental de c\u00f3mo operamos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Queremos que los agentes entiendan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00f3mo fluye la compensaci\u00f3n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00f3mo funcionan los contratos<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lo que se les est\u00e1 pagando<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Por qu\u00e9 les pagan eso<\/span><\/li>\n<\/ul>\n<h3><b>Qu\u00e9 ofrece TMS<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">CRM Gratuito OmniReach Medicare<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Herramientas de seguimiento de renovaci\u00f3n y PDP<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hasta <\/span><b>$900 al mes<\/b><span style=\"font-weight: 400;\"> en Reembolso de marketing de Brokerage Bucks<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Capacitaci\u00f3n continua de Medicare<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Administrador de \u00c9xito del Agente Dedicado<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Nuestro objetivo es simple:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Proporcionar la estructura de soporte de un entorno de agente cautivo, preservando la libertad de independencia.<\/span><\/p>\n<h2><b>Pensamiento final<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">El aumento del FMV en 2027 es una buena noticia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pero las tasas de remuneraci\u00f3n publicadas m\u00e1s altas no se traducen autom\u00e1ticamente en mayores ingresos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los agentes que m\u00e1s se beneficiar\u00e1n ser\u00e1n aquellos que:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Entender sus contratos<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seguimiento de sus renovaciones<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reconectar con sus clientes de PDP<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Haz las preguntas correctas de compensaci\u00f3n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Trabaja con organizaciones que operen de forma transparente<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Si desea ayuda para comprender c\u00f3mo los n\u00fameros de 2027 afectan a su negocio espec\u00edfico, estaremos encantados de revisar su configuraci\u00f3n actual con usted y responder a sus preguntas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sin presi\u00f3n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Solo una conversaci\u00f3n directa para que puedas tomar decisiones informadas antes de que llegue el AEP.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>On June 1, 2026, CMS released the 2027 Fair Market Value (FMV) commission amounts. For most agents, including those in Texas: Initial Medicare Advantage compensation rises to $725 per member per year PDP compensation increases 14% to $130 These are maximums\u2014not guarantees. Your real job now is making sure your FMO actually passes the full [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":5719,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[90],"tags":[],"class_list":["post-5718","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medicare-commission-rates"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>2027 Medicare Commission Rates: What Agents Need to Do<\/title>\n<meta name=\"description\" content=\"CMS released the 2027 Medicare commission rates on June 1, 2026. 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