Medicare Agent Resources

Pandora Insurance provides Medicare health insurance agents just like you with comprehensive resources to support your success. Our offerings include training, market resources, commission schedules, and advanced quoting tools to help you find the right Medicare plans for your 65 and older clients.

We also offer dedicated support to keep you informed on policy updates and maximize your Medicare client enrollments.

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AHIP Training Course

Fraud, Waste & Abuse Training
  • MFWA Online Course: Join more than 100,000 agents and brokers who make AHIP their MFWA training partner each year.
Training Link
MEDICARE

Medicare Commissions

Agent Broker Compensation
  • Agents and brokers can view the link below to learn more about Medicare Commissions schedules and rates per state, per carrier.
View Commissions
PAY RATES

Medicare Handbook

Medicare & You 2026
  • Check out what’s new and important in Medicare in 2026.
Download PDF
MEDICARE

Marketing Compliance

Medicare Guidelines
  • Stay compliant with the marketing guidelines directly from CMS.
View Guidelines
PAY RATES

Medicare Marketing Material

Medicare Flyers - Pandora Insurance

Access Medicare English and Spanish Agent Flyers to provide to your clients!

Access & Download

Medicare Commission Earnings Calculator

For agent use only · Based on 2026 CMS maximum broker commission schedules.

Medicare Commission Calculator | Pandora Insurance
Sales Volume
New enrollments per month 10 clients
Existing renewal book size 50 members
MAPD vs. PDP plan mix 80% MAPD / 20% PDP
Region & Assumptions
Estimated Annual Earnings — Year 3
New sales per year
120
enrollments
New sales commission
—
first-year income
Renewal residual income
—
— members renewing
Total annual income
—
combined earnings
New enrollment commissions —
Renewal residual commissions —
MAPD — new—
PDP — new—
MAPD — renewal—
PDP — renewal—
Effective book (yr 3)—
Monthly avg.—
Avg. per MAPD sale (national)
$694
initial year commission
Per MAPD — ongoing renewal
per member per year (×10 yrs = —)
Per PDP sale
$114
initial · $57 renewal/yr
2026 CMS Maximum Broker Commissions — Reference Table
Plan Type / Region Initial (New) Renewal Paid
MA — All other states Most common $694 $347 Per member/year
MA — California & New Jersey $864 $432 Per member/year
MA — Connecticut, Pennsylvania & DC $781 $391 Per member/year
MA — Puerto Rico & U.S. Virgin Islands $474 $237 Per member/year
Part D (PDP) — National $114 $57 Per member/year
Important disclosures: All commission figures are 2026 CMS maximum Fair Market Value (FMV) rates per the CMS memorandum issued June 18, 2025. These are the maximum amounts carriers may pay — actual carrier-level compensation varies and may be lower. Rates are paid on a per-member per-year basis, typically distributed monthly (÷12). CMS defines "renewal" as any year after the initial enrollment year where the member makes a like-plan-type change or remains enrolled. This calculator is for illustrative and planning purposes only and does not constitute a guarantee of earnings. For agent use only — not for distribution to Medicare beneficiaries. Referral fees ($100 MAPD / $25 PDP) are not included in these calculations. Please review your individual producer agreement with each carrier for actual contracted rates.

© Pandora Insurance. All Rights Reserved. This page is for agent use only. Distribution to Medicare Beneficiaries is not permitted. Not affiliated with the United States government or the federal Medicare program. Not all products are available in all areas. Exclusions and limitations may apply.

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