Alice, baker, and charles are engaged in the marketing to and enrollment of beneficiaries into medicare health plans. mr. able is an independent agent paid directly by a health plan. ms. baker is an independent agent paid through a field marketing organization (fmo). mr. charles is an independent agent paid for his work by a third-party marketing organization (tmo). how do the cms compensation rules apply to these three agents. a. all three are treated as independent agents. b. baker and charles are subject to cms compensation rules because they are paid by third-parties. able is not because he is paid directly by a health plan. c. charles is subject to cms compliance rules because he works for a tmo and cms applies an extra layer of scrutiny to such organizations. able and baker are not. d. able is subject to cms compensation rules because he is dirrectly by a health plan. agents baker and charles are not because they are paid by third parties.