⚡ First 50 agents — 60 days free

Stop losing commissions
you already earned

ChargebackIQ finds Medicare clients who vanished from your roster with no paperwork — and builds a legally-cited dispute email in seconds.

Get started free → See how it works
$626
MA commission / member
4 days
avg carrier response
$4,200
recovered / month avg
app.chargebackiq.org
⚡
ChargebackIQ
📊 Dashboard
🔍 Compare
📋 History
📇 Roster
📬 Feedback
J
Good morning, Juan 👋
Your commission audit overview
Total Uploads
3
Rosters analyzed
Members Dropped
14
Potential chargebacks
Surprise Drops
6
No disenroll date
Recovered
$1,252
From disputes
Upload History
+ New Upload
File
Period
Members
Surprise Drops
Date
cigna_feb_march_2026.xlsx
Cigna / HealthSprings
Feb → Mar
181
⚠ 6 urgent
Apr 2
uhc_jan_feb_2026.xlsx
UnitedHealthcare
Jan → Feb
340
✓ Clean
Mar 15
How it works

Three steps. Ten minutes.
Commission recovered.

1
Download your roster
Log into your carrier portal. Download your monthly member report. Our built-in guide shows exactly where to click for Cigna, UHC, Aetna, BlueCross, Oscar, Molina, and Humana.
2
Upload and compare
Drop your file in. ChargebackIQ compares month-over-month, flags every disappearing member, and highlights surprise drops with no disenrollment date — your strongest dispute cases.
3
Dispute and recover
One click runs AI analysis. Get a ready-to-send email citing 42 CFR §422.2274 — the CMS regulation carriers must respond to. Average response: 4 days instead of 3 weeks.
Inside the app

Every screen built for
agents who move fast

Dashboard — recovery overview
Good morning, Maria 👋
Total Uploads
5
Members Dropped
23
Surprise Drops
11
Recovered
$4,200
Upload History
+ New Upload
File
Period
Members
Status
Date
cigna_mar_apr.xlsx
Cigna
Mar→Apr
181
⚠ 6 urgent
Apr 3
uhc_feb_mar.xlsx
UHC
Feb→Mar
340
✓ Clean
Mar 15
Member History — 4-column layout, tap-to-call
Member History
Every dropped member — track calls, disputes, and recoveries
📤 Export CSV
Total Uploads
3
Total Drops
14
Retention Rate
96.2%
Need a Call
3
Member
📞 Phone
Status
Maria Gonzalez
Cigna · March 2026 ⚠ No disenroll
📞 (713) 555-0182
📱 Voicemail ⚖ Disputed
⌄
Robert Chen
UHC · March 2026 ⚠ No disenroll
📞 (832) 555-0441
✓ Reached
⌄
Sandra Park
Aetna · Feb 2026
—
🎉 Retained
⌄
AI Dispute Analysis — CMS-cited dispute email
⚡ AI Dispute Analyst
Maria Gonzalez
Member ID 1EG4-TE5-MK72 · Cigna · No disenrollment date recorded ⚠
Risk Level
HIGH
Likely Cause
Member removed without a recorded disenrollment date — indicates carrier processing error, not a voluntary disenrollment.
📧 Ready-to-Send Dispute Email
Copy ↗
Dear Cigna Broker Services,

I am writing to formally dispute the removal of member Maria Gonzalez (ID: 1EG4-TE5-MK72) from my book of business. No disenrollment date has been recorded, indicating a carrier processing error under 42 CFR §422.2274.

I request immediate commission reinstatement and written confirmation within 10 business days...
Roster CRM — your full book of business by carrier
📇 Roster
Your active members organized by carrier
Cigna
181
94% retention
UnitedHealthcare
340
88% retention
Aetna
215
79% retention
Member
Plan
State
Status
Maria Gonzalez
Cigna Preferred HMO
HMO
TX
Active
Robert Chen
UHC Choice Plus PPO
PPO
TX
Active
Sandra Park
Aetna Medicare Adv.
HMO
AZ
Active
FMO Admin Dashboard — network-wide recovery view
🏢 FMO Admin Dashboard
Agent join code: southwestfmo
⬇ Export Report
Agents
24
Total Drops
186
Disputes
43
Recovered
$18.2k
Avg/Agent
$758
Agent
Uploads
Drops
Disputes
Recovered
Maria L.
8
32
11
$3,240
James T.
6
18
7
$1,876
Network Total
47
186
43
$18,240
Everything included

Built for every agent,
from 34 clients to 1,100

📊
Month-over-month comparison
Upload any carrier file. ChargebackIQ compares members automatically and flags every drop in seconds — no spreadsheets required.
7 major carriers
⚡
AI dispute email with CMS citation
Every email cites 42 CFR §422.2274 — the regulation carriers must respond to. Users get responses in 4 days vs the usual 3 weeks.
Legal-grade language
💸
Commission cross-referencing
Upload your commission statement alongside your roster. ChargebackIQ instantly shows the exact dollar amount at risk for each dropped member.
Exact $ shown
📇
Roster CRM — full book of business
See all your active members organized by carrier with retention rates per carrier tile. Filter by state, plan type, or enrollment date. Export anytime.
Multi-carrier view
🏢
FMO admin dashboard
FMO leaders see aggregate recovery data across their entire agent network — total drops found, disputes filed, and commissions recovered per agent.
Group pricing available
📞
Tap-to-call retention workflow
Phone numbers visible in every member row. Tap to call. Log outcome — Not Called, Voicemail, Reached, Retained, or DNC — in one tap.
iPhone + Android
📋
Persistent member history
Every upload builds your running history. Filter by state, month, carrier, call status, or dispute outcome. See trends over 12 months.
Unlimited history
☑
Bulk call status updates
Select multiple members after a batch call session and update all their statuses at once. Saves 8+ minutes on heavy calling days.
Batch workflow
📲
Installs like a native app
Add to your iPhone or Android home screen in two taps. Works offline. No App Store, no downloads, no updates to manage.
PWA — any device
Real results

What agents are recovering

★★★★★
"The CMS citation changed everything. Got $1,252 back from UHC in 4 days. I've been fighting chargebacks for 3 years with zero success before this."
JG
James G.
Miami, FL · Agency Owner · 8 agents
$1,252 recovered in 4 days
★★★★★
"$4,200 recovered across my 3 top agents in the first full month. The history tab is now something I check every Monday morning."
SP
Sandra P.
Phoenix, AZ · FMO Regional Manager
$4,200 recovered in first month
★★★★★
"My first chargeback hit at 89 clients. The AI told me exactly what to send. I cited the regulation and got $626 back from Cigna in 8 days."
RC
Robert C.
Atlanta, GA · 89 clients · New agent
$626 recovered in 8 days
Pricing

Pays for itself with
one recovered dispute

One Medicare Advantage commission is $626. Individual plans start at $29/month. FMO group pricing from $12/agent/month.

Free Trial
$0 for 60 days
Every agent starts here — no credit card needed
  • Full access to all features
  • Unlimited roster uploads
  • AI dispute email generator
  • Commission cross-referencing
  • No credit card required
Start free trial →
Most popular
Individual Agent
$29/mo
Independent agents — all carriers, unlimited members
  • Everything in Free Trial
  • Unlimited member history
  • Priority AI analysis
  • Export CSV & PDF reports
  • Email support
Get started →
FMO Group 10–49 agents
$19/agent/mo
FMOs and uplines protecting their agent network
  • Everything in Individual
  • FMO admin dashboard
  • Aggregate recovery reports
  • Agent join code onboarding
  • Group billing
Contact us →
Enterprise FMO 50+ agents
$12/agent/mo
Large FMOs and national uplines
  • Everything in Group
  • White-label / co-branding
  • Dedicated account manager
  • Custom agent onboarding
  • HIPAA BAA included
Contact us →
🏢
Are you an FMO or upline?

ChargebackIQ gives your agents a tool that protects their income and keeps them loyal to your FMO. Our admin dashboard lets you see aggregate recovery data across your entire network — no individual account access needed. Group pricing starts at $19/agent/month with volume discounts for 50+ agents.

📧 Schedule an FMO demo →

All plans include 60-day free trial · No credit card · HIPAA BAA available · Cancel any time

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Join the first 50 agents.
60 days free.

No credit card. Upload your first roster in 10 minutes and see exactly how much you've been leaving on the table.

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