FMO white-label.
Carrier-grade intelligence.
One proprietary brain, two enterprise offerings. FMO licensing scales per-agent with volume tiers. Carrier modules sit 30–60% under Inovalon, Cotiviti, and Reveleer for comparable scope.
Per-agent. Volume-tiered. With a floor.
Your brand, your domain, your retention engine. Pricing scales honestly with FMO economics — and one MAPD enrollment per agent pays for that agent's monthly cost in roughly three weeks.
Boutique
1–100 agents
$5K/mo floor
Setup: $25K
3-week ROI per agent on a single MAPD enrollment.
Regional
101–500 agents
$13K/mo floor
Setup: $25K
White-label, your domain, your brand.
National
501–2,000 agents
$50K/mo floor
Setup: $50K
Includes dedicated CSM and quarterly business review.
Mega
2,001–5,000 agents
$158K/mo floor
Setup: $75K
3,000-agent example: $177K/mo · $2.12M/yr
Enterprise
5,000+ agents
From $300K/mo
Setup: $100K
Custom volume contract + co-development pathway.
Every FMO tier includes
- ✓200 calls/agent/mo included · $0.50/call overage
- ✓Full white-label (your brand, your domain, SSO)
- ✓All 5 agent products for every contracted agent
- ✓complianceBRIDGE reduces FMO exposure as writing entity
- ✓Quarterly business review (National+) · Dedicated CSM (Mega+)
- ✓12% annual prepay discount available
Why FMOs license this
- Compliance shield. complianceBRIDGE reduces FMO exposure as the writing entity. Documented best-effort compliance on every call.
- Production lift. agentAURA real-time guidance increases close rates and decreases cancellations — directly improving override revenue.
- Retention revenue. BRIDGEt's built-in client bias keeps beneficiaries loyal longer, increasing long-tail commission income.
- Recruiting advantage. Agents choose the FMO with the best tools. The stack becomes your recruiting differentiator.
3,000-agent FMO worked example
- 3,000 agents × $59/agent/mo (Mega tier)
- = $177,000/mo · $2.12M/yr
- Setup: $75K one-time
- Annual prepay (12% off): $1.87M/yr
- Per-agent cost: ~$59/mo (capped at 200 calls)
- Break-even per agent: ~3 weeks of normal MAPD production
Carrier-grade pricing for carrier-grade ROI.
One Star Point on a 250K-member MA plan ≈ $75M–$125M in CMS rebate revenue. 1% churn reduction at $10K member LTV ≈ $25M retained. Priced 30–60% under Inovalon, Cotiviti, and Reveleer for comparable scope.
Churn Detection Engine
Flags at-risk members 6–8 weeks earlier than any carrier dashboard. Powered by the same real enrollment + call data the agent tools run on.
On a 50,000-member book, a 2% churn reduction saves $3–8M in acquisition replacement cost.
Buyers: VP of Member Retention · Chief Actuary · COO
Star Rating Booster
Real-time, actionable intelligence identifying exactly which operational levers — by measure, by geography, by agent cohort — will move specific CMS Star measures.
Each 0.5 Star drop costs mid-size carriers $50–200M+ in Quality Bonus Payments.
Buyers: VP of Quality · CMO · Compliance Officer
Benefit Predictive Model
Forecasts the exact impact of proposed 2027 benefit changes on enrollment, churn, and profitability — before CMS filing. Run 50 scenarios in the time actuaries run 3.
De-risks annual bid filing with data-driven benefit scenario modeling pre-submission.
Buyers: VP of Product · Actuarial Team · CFO
Carrier Licensing Tiers
Churn Intelligence
≤100K members
or $0.50 PMPM at scale
- ✓Churn Detection Engine
- ✓At-risk member dashboard
- ✓Real-time alerts
vs Pareto Intelligence
$250K–$1M/yr
Stars + Churn
≤250K members
or $0.85 PMPM at scale
- ✓Churn Detection Engine
- ✓Star Rating Booster
- ✓Measure-level intelligence
- ✓Geographic + cohort lensing
vs Reveleer · Press Ganey
$400K–$2M/yr
Full Carrier Stack
No member cap
or $1.25 PMPM at scale
- ✓Churn Detection Engine
- ✓Star Rating Booster
- ✓Benefit Predictive Model
- ✓Pre-bid scenario modeling
vs Inovalon ONE · Cotiviti
$1M–$5M+/yr
Strategic Partnership
Custom
- ✓Full Carrier Stack
- ✓Custom modules + co-development
- ✓Embedded data team
- ✓First access to roadmap features
vs Inovalon · Optum (custom)
$3M–$10M+/yr
CMS Medicare App Library Pathway
BRIDGEt is on the official CMS Medicare App Library roadmap — the equivalent of being listed in the App Store for 65 million Medicare beneficiaries. A listed, CMS-approved app can be recommended by agents, displayed by carriers, and promoted in official CMS materials.
Timeline: 12–18 months · Requires HIPAA BAA infrastructure, ONC/FHIR compliance, and CMS Digital Health Technical Assistance alignment.
Carriers partnering now position themselves for preferred distribution when listing is achieved. This is not publicly available yet — carrier partners get first access.
Start the carrier or FMO conversation.
FMO licensing and carrier partnerships start with a 30-min call. Send the details below and we'll respond within 24 hours.
For carrier intelligence demos or FMO licensing, email directly:
carriers@theartificialbridge.comInclude: Organization name · Role · Member count or agent count · Primary interest (FMO license / Carrier Intel / Strategic Partnership)