How do you take on the workday and keep your cool? Joining Sarah in the studio, Samantha Galeano, Ritter's Human Resources Director, talks about her strategies - active listening, laughter, and caffeine, just not quite in that order.   What strategy keeps you motivated? We want to hear about it! Send a message by email to [email protected] or call us at 1-717-562-7211.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Stay Motivated with These Episodes: Creating Margin & Taking Back Control of Your Time: https://link.chtbl.com/ASGMM9 Eating Frogs & Slaying Dragons: https://link.chtbl.com/ASGMM8    Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 The Power of Listening & Laughter: https://link.chtbl.com/ASGMM10 You're Not Alone This AEP! https://link.chtbl.com/ASGM20241104     Not affiliated with or endorsed by Medicare or any government agency.

  Discover the time management secret that is creating margin. Sarah talks about using this technique to better manage your time, keep a sustainable schedule, and reach your goals.   How do you stay motivated? What method works for you? Let us know! Send a message to [email protected] or call us at 1-717-562-7211.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   More Episodes You'll Like: Creating Margin & Taking Back Control of Your Time: https://link.chtbl.com/ASGMM9 Eating Frogs & Slaying Dragons: https://link.chtbl.com/ASGMM8    Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 The Power of Listening & Laughter: https://link.chtbl.com/ASGMM10 You're Not Alone This AEP! https://link.chtbl.com/ASGM20241104     References: “Time Blocking.” Todoist.Com, Todoist, todoist.com/productivity-methods/time-blocking. Accessed 22 Nov. 2024.   Not affiliated with or endorsed by Medicare or any government agency.

  Get ready to put procrastination in its place! Sarah talks about eating frogs and slaying dragons, helping motivate you to organize your to-do list and Get. Stuff. Done.   How do you stay motivated? Are you an eat-the-frog type, or does another method work for you? Let us know! Send a message to [email protected] or call us at 1-717-562-7211.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ and Instagram, https://www.instagram.com/thesarahjrueppel/ Tina on LinkedIn, https://www.linkedin.com/in/christina-lamoreux-6384b7199/   Want more motivation? Try these episodes: Creating Margin & Taking Back Control of Your Time: https://link.chtbl.com/ASGMM9 Eating Frogs & Slaying Dragons: https://link.chtbl.com/ASGMM8    Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 The Power of Listening & Laughter: https://link.chtbl.com/ASGMM10 You're Not Alone This AEP! https://link.chtbl.com/ASGM20241104     References: “Eat the Frog.” Todoist.Com, Todoist, todoist.com/productivity-methods/eat-the-frog. Accessed 22 Nov. 2024. Laoyan, Sarah. “Why You Should Eat the Frog First.” Asana, Asana, 24 Feb. 2024, asana.com/resources/eat-the-frog.   Not affiliated with or endorsed by Medicare or any government agency.

  Expand your sales success with these strategies for selling in the ACA market!   Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: ACA 101: Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248/ Agent Registration: https://app.ritterim.com/public/registration/ Building Client Loyalty: More than Just a Plan: https://agentsurvivalguide.podbean.com/e/building-client-loyalty-more-than-just-a-plan/ FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans: https://ritterim.com/blog/faqs-about-selling-on-exchange-off-exchange-under-65-plans/ Five Ways to Generate ACA Leads: https://link.chtbl.com/ASG6287/ Keys to Client Retention: Digital Communication: https://agentsurvivalguide.podbean.com/e/keys-to-client-retention-digital-communication-2024/ How Insurance Agents Can Learn About Their Social Media Audience: https://ritterim.com/blog/how-insurance-agents-can-learn-about-their-social-media-audience/ Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ The Complete Guide to Selling Affordable Care Insurance Plans: https://ritterim.com/aca-ebook/ The Complete Guide to Client Loyalty and Retention: https://ritterim.com/client-retention-guide/   References: “All Topics.” HealthCare.Gov, www.healthcare.gov/topics/. Accessed 7 Nov. 2024. “Decision Fatigue: What It Is and How to Avoid It.” Washington State University Carson College of Business, https://onlinemba.wsu.edu/blog/decision-fatigue. Accessed 7 Nov. 2024. “Fast, Easy ACA Enrollment.” HealthSherpa, www.healthsherpa.com/agents/features/. Accessed 7 Nov. 2024. “Internet, Broadband Fact Sheet.” Pew Research Center, Pew Research Center, 31 Jan. 2024, www.pewresearch.org/internet/fact-sheet/internet-broadband/?tabItem=9a15d0d3-3bff-4e9e-a329-6e328bc7bcce. “In-Person Assistance in the Health Insurance Marketplaces.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/in-person-assisters/programs-procedures/in-person-assistance. Accessed 7 Nov. 2024. “One Platform to Connect.” Zoom, www.zoom.com/. Accessed 7 Nov. 2024. Petrosyan, Ani, and Feb 29. “Internet Usage by Age in U.S. 2023.” Statista, 29 Feb. 2024, www.statista.com/statistics/266587/percentage-of-internet-users-by-age-groups-in-the-us/. “Log into Facebook.” Facebook, www.facebook.com/. Accessed 7 Nov. 2024. “Log in or Sign Up.” LinkedIn, www.linkedin.com/. Accessed 7 Nov. 2024. “Video Conferencing, Meetings, Calling: Microsoft Teams.” Video Conferencing, Meetings, Calling | Microsoft Teams, Microsoft, www.microsoft.com/en-us/microsoft-teams/group-chat-software. Accessed 7 Nov. 2024. “X.Com.” X (Formerly Twitter), www.x.com/?lang=en. Accessed 7 Nov. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  The Friday Five for November 22, 2024: Bluesky Lists & Starter Packs Missing Apple Notes Solution KFF Updated FAQs on Medicare Drug Price Negotiation New Section 1115 Demonstrations for Medicaid & CHIP KFF 2025 Medicare Advantage Spotlight   Bluesky Lists & Starter Packs: “Bluesky Start Packs - Bluesky Directory.” Blueskydirectory.Com, Bluesky Directory, blueskydirectory.com/starter-packs/all. Accessed 20 Nov. 2024. Cooper, Gael. “Bluesky Explained: Why This Social Media Network Has 20 Million Users and Is Growing.” CNET.Com, CNET, 19 Nov. 2024, https://www.cnet.com/tech/bluesky-explained-why-this-social-media-network-is-now-growing-by-1-million-users-daily/. Isaac, Mike. “How Bluesky, Alternative to X and Facebook, Is Handling Explosive Growth.” Nytimes.Com, The New York Times, 17 Nov. 2024, https://www.nytimes.com/2024/11/17/technology/bluesky-growing-pains.html. Cunningham, Joel. “This Is the Best Way to Find People to Follow on Bluesky.” Lifehacker.Com, Lifehacker, 19 Nov. 2024, lifehacker.com/tech/best-way-to-find-people-to-follow-on-bluesky. Cappelli, Amanda. “What Is Bluesky, the Online Platform Welcoming Users Leaving Elon Musk’s X?” CBS News, CBS Interactive, 17 Nov. 2024, https://www.cbsnews.com/news/what-is-bluesky-why-are-people-leaving-x-platform/.   Missing Apple Notes Solution: Christoffel, Ryan. “Apple Confirms Fix for Disappearing Notes after iCloud Terms Issue.” 9to5Mac.Com, 9to5Mac, 18 Nov. 2024, 9to5mac.com/2024/11/18/apple-confirms-fix-for-disappearing-notes-after-icloud-terms-issue/. Phelan, David. “Apple Confirms iPhone Missing Notes Bug And Shows How To Fix It.” Forbes, Forbes Magazine, 18 Nov. 2024, www.forbes.com/sites/davidphelan/2024/11/17/apple-confirms-iphone-missing-notes-bug-and-shows-how-to-fix-it-iphone-16-pro-max-icloud-data/. Smith, Chris. “This Is Apple’s Official Fix for the Bug That Makes Notes Disappear in iOS 18.” BGR.Com, BGR, 19 Nov. 2024, bgr.com/tech/apple-official-fix-for-the-ios-18-disappearing-notes-bug/.   KFF Updated FAQs on Medicare Drug Price Negotiation: Cubanski, Juliette. “FAQs about the Inflation Reduction Act’s Medicare Drug Price Negotiation Program.” KFF.Org, KFF, 19 Nov. 2024, www.kff.org/medicare/issue-brief/faqs-about-the-inflation-reduction-acts-medicare-drug-price-negotiation-program/.   New Section 1115 Demonstrations for Medicaid & CHIP: “About Section 1115 Demonstrations.” Medicaid.Gov, Medicaid, www.medicaid.gov/medicaid/section-1115-demonstrations/about-section-1115-demonstrations/index.html. Accessed 20 Nov. 2024. “Biden-Harris Administration Announces Approvals in Five States That Will Keep Eligible Children and Adults Enrolled in Medicaid and CHIP.” CMS.Gov, Centers for Medicare & Medicaid Services, 14 Nov. 2024, www.cms.gov/newsroom/press-releases/biden-harris-administration-announces-approvals-five-states-will-keep-eligible-children-and-adults . “Colorado Section 1115 Demonstration Amendment.” Medicaid.Gov, Centers for Medicare & Medicaid Services, 14 Nov. 2024, www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/co-continuum-dmnstrtn-aprvl-11142024.pdf. “Hawaii Section 1115 Demonstration Amendment.” Medicaid.Gov, Centers for Medicare & Medicaid Services, 14 Nov. 2024, www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/hi-quest-integr-dmnstrtn-aprvl-11142024.pdf. “Minnesota Section 1115 Demonstration Amendment.” Medicaid.Gov, Centers for Medicare & Medicaid Services, 14 Nov. 2024, www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/mn-pmap-dmnstrtn-aprvl-11142024.pdf. “New York Section 1115 Demonstration Amendment.” Medicaid.Gov, Centers for Medicare & Medicaid Services, 14 Nov. 2024, www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/ny-medicaid-rdsgn-team-dmnstrtn-appvl-11142024.pdf. “Pennsylvania Section 1115 Demonstration Amendment.” Medicaid.Gov, Centers for Medicare & Medicaid Services, 14 Nov. 2024, www.medicaid.gov/medicaid/section-1115-demonstrations/downloads/pa-former-foster-care-youth-diff-state-sud-dmnstrtn-appvl-11142024.pdf.   KFF 2025 Medicare Advantage Spotlight: Freed, Meredith, Jeannie Fuglesten Biniek, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF.Org, KFF, 15 Nov. 2024, www.kff.org/medicare/issue-brief/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/. Freed, Meredith, Jeannie Fuglesten Biniek, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Premiums and Benefits.” KFF.Org, KFF, 15 Nov. 2024, www.kff.org/medicare/issue-brief/medicare-advantage-2025-spotlight-a-first-look-at-plan-premiums-and-benefits/.   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Ways to Generate ACA Leads: https://link.chtbl.com/ASG6287 7 Reasons Clients Switch Medicare Plans During AEP: https://link.chtbl.com/ASG632 Halfway Through AEP 2025: https://link.chtbl.com/ASGF20241115    Ritter Staff’s Top 5 Apps: https://link.chtbl.com/ASGA73 VA Benefits, Tricare for Life, and Medicare for Veteran Clients: https://link.chtbl.com/ASG629 You're Not Alone This AEP! https://link.chtbl.com/ASGM20241104   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

  We asked our HQ staff what their top apps are, listen to this episode to learn their answers! Did your favorite app make the list?   Facebook: https://www.facebook.com/ Google Calendar: https://workspace.google.com/intl/en-US/products/calendar/ EveryDollar: https://www.ramseysolutions.com/ramseyplus/everydollar?snid=free-tools.budgeting.everydollar-budget-app Giant Food Stores App Store: https://apps.apple.com/us/app/giant-food-stores/id491014869 Giant Food Stores Google Play: https://play.google.com/store/apps/details?id=com.giantfoods.mobile.droid&hl=en Meta Business Suite: https://www.facebook.com/business/tools/meta-business-suite Canva: https://www.canva.com/ Adobe Express: https://www.adobe.com/express/   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Ways PlanEnroll Will Make This the Best AEP Yet: https://link.chtbl.com/ASG617R5 Best Free Writing & Grammar Apps: https://link.chtbl.com/ASGA58 Best Video Editing Apps for Social Media: https://link.chtbl.com/ASGA69 How to Create a Google Business Profile: https://link.chtbl.com/ASG614 Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://link.chtbl.com/ASG622 Modern Medicare Marketing for Today’s Agents FREE eBook Download: https://ritterim.com/modern-marketing-guide/ Social Media Marketing for Insurance Agents FREE eBook Download: https://ritterim.com/social-media-ebook/   References: “Everydollar: Make a Budget and Track Expenses.” Ramsey Solutions, www.ramseysolutions.com/ramseyplus/everydollar?snid=free-tools.budgeting.everydollar-budget-app. Dixon, Stacy Jo. “Facebook Monthly Active Users Worldwide 2023.” Statista.Com, Statista, 21 May 2024, www.statista.com/statistics/264810/number-of-monthly-active-facebook-users-worldwide/. “Free Design Tool: Presentations, Video, Social Media | CANVA.” Canva, www.canva.com/. Accessed 30 Oct. 2024. “Free Design, Photo, and Video Tool - Design Made Easy | Adobe Express.” Adobe, www.adobe.com/express/. Accessed 30 Oct. 2024. “Giant - Apps on Google Play.” Google Play, Google, https://www.play.google.com/store/apps/details?id=com.giantfoods.mobile.droid&hl=en. Accessed 30 Oct. 2024. “Giant Choice Rewards.” Giant, https://www.giantfoodstores.com/rewards/. Accessed 30 Oct. 2024. LLC, Giant Food Stores. “Giant Food Stores.” App Store, 4 Jan. 2012, https://www.apps.apple.com/us/app/giant-food-stores/id491014869. “Log into Facebook.” Facebook, www.facebook.com/. Accessed 30 Oct. 2024. “The 20 Most Popular Social Media Platforms in 2024.” Backlinko, 26 July 2024, www.backlinko.com/social-media-platforms. “Meta Business Suite.” Facebook, www.facebook.com/business/tools/meta-business-suite. Accessed 30 Oct. 2024. Dixon, Stacy Jo. “Meta Global Community Monthly Active Users 2023.” Statista.Com, Statista, 26 Apr. 2024, www.statista.com/statistics/947869/facebook-product-mau/. “Pricing: Compare Free & Premium Plans | Adobe Express.” Adobe, www.adobe.com/express/pricing. Accessed 30 Oct. 2024. “Shareable Online Calendar and Scheduling.” Google Calendar, Google, www.workspace.google.com/intl/en-US/products/calendar/. Accessed 30 Oct. 2024. Accessed 30 Oct. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

    Change happens, and this year, there’s been a lot of it. Learn more about why beneficiaries switch plans so you can be the agent to help them.    Read the text version     Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Tips to Make the Most of AEP: https://ritterim.com/blog/5-tips-to-make-the-most-of-aep/ 2025 Medicare Market Disruption Means Opportunity for Agents: https://ritterim.com/follow-medicare-changes/ Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://link.chtbl.com/ASGB20241012 Does Your Medicare Sales Approach Satisfy Different Budgets: https://link.chtbl.com/ASG628R3  How to Check Medicare Extra Help Eligibility for Your Client: https://ritterim.com/blog/how-to-check-medicare-extra-help-eligibility-for-your-client/ Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/ The 2025 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20241015 The Benefits of Selling D-SNPs: https://ritterim.com/blog/the-benefits-of-selling-d-snps/   The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024 Understanding the C-SNP Product & Opportunity ft. Ben Miller (Zing Health): https://link.chtbl.com/2023BenMiller   References: Emerson, Jakob. “28 Health Systems Dropping Medicare Advantage Plans: 2024.” Beckershospitalreview.Com, Becker’s Hospital Review, 14 Oct. 2024, www.beckershospitalreview.com/finance/15-health-systems-dropping-medicare-advantage-plans-2024.html. “2024 Medicare Advantage and Part D Star Ratings.” CMS.Gov, Centers for Medicare & Medicaid Services, 13 Oct. 2023, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-star-ratings. Coleman, Kathryn A., and Lindsay P. Barnette. “Dual Eligible Special Needs Plan ‘Look-Alike’ Transitions for Contract Year 2025.” Hhs.Gov, Department of Health & Human Services, 5 Apr. 2024, www.hhs.gov/guidance/sites/default/files/hhs-guidance-documents/CY25_DSNP_LookAlike_Transition_Memo040524_G.pdf. Pifer, Rebecca. “Humana and CVS Are Downsizing Their Medicare Advantage Plans for 2025. Which Insurers Could Benefit?” Healthcaredive.Com, Healthcare Dive, 10 June 2024, www.healthcaredive.com/news/humana-cvs-medicare-advantage-benefit-plan-cuts-2025-unitedhealth/716764/. Freed, Meredith, Anthony Damico, et al. “Medicare Advantage 2024 Spotlight: First Look.” KFF, KFF, 15 Nov. 2023, www.kff.org/medicare/issue-brief/medicare-advantage-2024-spotlight-first-look/.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  CMS requires marketing, sales, and enrollment calls between agents and clients to be recorded. If you have questions about these call requirements, this is the episode for you!    Read the text version    Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: Cybersecurity Best Practices for Insurance Agents: https://link.chtbl.com/ASG515 Contact Integrity Support: [email protected] FAQs About Third-Party Marketing Organizations (TPMOs) Disclaimers: https://link.chtbl.com/ASG6225 Helping Medicare Clients Who Have Powers of Attorney or Conservatorships: https://link.chtbl.com/ASG505 Learn more about MedicareCENTER: https://integrity.com/MedicareCENTER/ Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://link.chtbl.com/ASG622 Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them:  https://ritterim.com/blog/medicare-grievances-how-insurance-agents-can-try-to-prevent-them/ Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ Register with Ritter: https://app.ritterim.com/public/registration/ Ritter Blog Compliance Section: https://ritterim.com/blog/compliance/ Rules for Hosting a Compliant Medicare Educational Event: https://ritterim.com/blog/rules-for-hosting-a-compliant-medicare-educational-event/ Rules for Hosting a Compliant Medicare Sales Event: https://ritterim.com/blog/rules-for-hosting-a-compliant-medicare-sales-event/ Terms of Service for Integrity: https://integrity.com/terms-of-service/ The Ritter Compliance Program: https://docs.ritterim.com/compliance/compliance-at-ritter/ What to Know About SOAs in Medicare Health and Prescription Drug Sales: https://ritterim.com/blog/what-to-know-about-soas-in-medicare-health-and-prescription-drug-plan-sales/ Where It All Begins: Obtaining Permission to Contact for Medicare Sales: https://ritterim.com/blog/where-it-all-begins-obtaining-permission-to-contact-for-medicare-sales/   References: “Agent Broker Marketing Frequently Asked Questions.” CMS, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/agent-broker-marketing-faqs-10-19-2022.pdf. Accessed 4 Oct. 2024. “Employer Group Waiver Plans (EQWPs).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/coverage/prescription-drug-coverage-contracting/employer-group-waiver-plans-egwps. Accessed 4 Oct. 2024. “Security Overview.” Twilio, Twilio, www.twilio.com/en-us/legal/security-overview. Accessed 4 Oct. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  The Friday Five for November 15, 2024: FOMC November 2024 Meeting Bluesky, Threads, X App Downloads vs. Site Traffic 2025 Medicare Part A/B Premiums & Deductibles NordPass Top Passwords of 2024 List Halfway Through AEP 2025   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   FOMC November 2024 Meeting: “Consumer Price Index - October 2024.” Bls.Gov, Bureau of Labor & Statistics, 13 Nov. 2024, www.bls.gov/news.release/pdf/cpi.pdf. “Consumer Price Index Summary - October 2024.” Bls.Gov, U.S. Bureau of Labor Statistics, 10 Oct. 2024, www.bls.gov/news.release/cpi.nr0.htm. “Meeting Calendars and Information.” Federalreserve.Gov, The Federal Reserve, www.federalreserve.gov/monetarypolicy/fomccalendars.htm. Accessed 13 Nov. 2024. “Personal Income and Outlays, September 2024.” Bea.Gov, Bureau of Economic Analysis, 31 Oct. 2024, www.bea.gov/news/2024/personal-income-and-outlays-september-2024. “Transcript of Chair Powell’s Press Conference November 7, 2024.” Federalreserve.Gov, The Federal Reserve, www.federalreserve.gov/mediacenter/files/FOMCpresconf20241107.pdf. Accessed 13 Nov. 2024.   Bluesky, Threads, X App Downloads vs. Site Traffic: “Adam Mosseri (@mosseri) on Threads.” Threads, Meta, 3 Nov. 2024, www.threads.net/@mosseri/post/DB6zNlQSsJN?xmt=AQGzC2OVsSCAHSwTsMzAMlVJzFvTppOz8Np1TG7sEIM3bA. “Bluesky Announces Series A to Grow Network of 13M+ Users.” Bsky.Social, Bluesky, 24 Oct. 2024, bsky.social/about/blog/10-24-2024-series-a. “Social Media Fact Sheet.” Pewresearch.Org, Pew Research Center, 13 Nov. 2024, www.pewresearch.org/internet/fact-sheet/social-media/. “Top Websites in United States - October 2024 Most Visited & Popular Rankings.” Semrush.Com, Semrush, www.semrush.com/website/top/united-states/all/. Accessed 14 Nov. 2024. Kirshner, Alex. “Sick of X and Elon Musk? This App Might Be for You.” Slate.Com, Slate, 12 Nov. 2024, slate.com/technology/2024/11/bluesky-app-twitter-exodus-x-elon-musk.html. Holtermann, Callie. “With Surge in New Users, Bluesky Emerges as X Alternative.” Nytimes.Com, The New York Times, 14 Nov. 2024, www.nytimes.com/2024/11/12/style/bluesky-users-election.html. “Top Apps & Games for Iphone on the IOS App Store in the United States.” Appfigures.Com, Appfigures, appfigures.com/top-apps/ios-app-store/united-states/iphone/top-overall. Accessed 14 Nov. 2024. “Top Apps for Android on Google Play in the United States.” Appfigures.Com, Appfigures, appfigures.com/top-apps/google-play/united-states/top-apps. Accessed 14 Nov. 2024. Tenbarge, Kat, and Kevin Collier. “X Sees Largest User Exodus since Musk Takeover.” NBCNews.Com, NBC Universal News Group, 13 Nov. 2024, www.nbcnews.com/tech/tech-news/x-sees-largest-user-exodus-musk-takeover-rcna179793.   2025 Medicare Part A/B Premiums & Deductibles: “2025 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Nov. 2024, www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles. 2025 Medicare Part A and Part B Premiums and Deductibles: Episode | Post   NordPass Top Passwords of 2024 List: Novak, Matt. “Americans Are Using the Dumbest Possible Passwords (2024 Edition).” Gizmodo.Com, Gizmodo, 14 Nov. 2024, gizmodo.com/americans-are-using-the-dumbest-possible-passwords-2024-edition-2000524147. Kan, Michael. “Here Are 2024’s Most Used (and Worst) Passwords: Is Yours on the List?” Pcmag.Com, PCMAG, 14 Nov. 2024, https://www.pcmag.com/news/most-common-worst-passwords-2024-nordpass-is-yours-on-the-list . Hill, Allan Rose. “Here Is the Latest List of Passwords You Should Never Use.” Boingboing.Net, Boing Boing, 13 Nov. 2024, boingboing.net/2024/11/13/here-is-the-latest-list-of-passwords-you-should-never-use.html. Wong, Abel. “The Most Used Passwords of 2024 Are out - and It’s 123456 Again.” Technave.Com, TechNave, 14 Nov. 2024, technave.com/gadget/The-most-used-passwords-of-2024-are-out-and-it-s-123456-again-40655.html. Roth, Emma. “These Are the Passwords You Definitely Shouldn’t Be Using.” Theverge.Com, The Verge, 13 Nov. 2024, www.theverge.com/2024/11/13/24295543/most-common-passwords-list-2024. “Top 200 Most Common Passwords.” NordPass.Com, NordPass, nordpass.com/most-common-passwords-list/. Accessed 14 Nov. 2024.   Resources: 5 Ways to Generate ACA Leads: https://link.chtbl.com/ASG6287 2025 Medicare Part A and B Premiums and Deductibles: https://link.chtbl.com/ASGN20241113 Apps to Stay Productive This AEP! https://link.chtbl.com/ASGA20241106 Halfway Through AEP: Reflect & Renew Your Medicare Sales Strategies: https://link.chtbl.com/ASG630 How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://link.chtbl.com/ASG6255 How to Check Medicare Extra Help Eligibility for Your Client: https://link.chtbl.com/ASG630R5 How to Survive AEP: Wellness Tips for Insurance Agents: https://link.chtbl.com/ASG553 KFF 2025 ACA Open Enrollment Report & Tools: https://link.chtbl.com/ASGF20241108 Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 You're Not Alone This AEP! https://link.chtbl.com/ASGM20241104   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.  

  Get the details on Medicare Extra Help (Low Income Subsidy) in this ASG Podcast explainer. Find out how agents can look up this info for clients, the income limits, and more!     Read the text version    Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 7 Powerful Practices for Selling Prescription Drug Plans: https://ritterim.com/blog/7-powerful-practices-for-selling-prescription-drug-plans/   Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://link.chtbl.com/ASGB20241012 How to Help Clients Avoid Medicare Late Enrollment Penalties: https://ritterim.com/blog/how-to-help-clients-avoid-medicare-late-enrollment-penalties/ How to Save Your Clients Money on Prescription Drugs: https://ritterim.com/blog/how-to-save-your-clients-money-on-prescription-drugs/   The Beginner's Guide to D-SNPs: https://ritterim.com/blog/the-beginners-guide-to-dsnps/ The Part D SEP Triggers That Can Help You Post-AEP: https://ritterim.com/blog/the-part-d-sep-triggers-that-can-help-you-post-aep/ What Agents Can't Say During Medicare Sales Appointments: https://ritterim.com/blog/what-agents-cant-say-during-medicare-sales-appointments/   What Agents Forget to Do When Preparing for Appointments: https://link.chtbl.com/ASG6245   References:  “Apply for Medicare Part D Extra Help Program.” SSA.Gov, Social Security Administration, www.ssa.gov/medicare/part-d-extra-help. Accessed 25 Oct. 2024. “Extra Help with Medicare Prescription Drug Plan Costs, Social Security.” SSA.Gov, Social Security Administration, secure.ssa.gov/i1020/Ee001View.action. Accessed 25 Oct. 2024. “Guide to Consumer Mailings from CMS, Social Security, and Plans in 2024/2025.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/prescription-drug-coverage/limitedincomeandresources/downloads/consumer-mailings.pdf. Accessed 25 Oct. 2024. “Low Income Subsidy for Medicare Prescription Drug Coverage.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/enrollment-renewal/part-d-plans/low-income-subsidy. Accessed 25 Oct. 2024. “Medicare Savings Programs Eligibility and Coverage.” NCOA.Org, National Council on Aging, 27 Feb. 2024, www.ncoa.org/article/medicare-savings-programs-eligibility-coverage/. “News and General Resources.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare/resources-0. Accessed 25 Oct. 2024. “State Health Insurance Assistance Program (SHIP).” Shiphelp.Org, State Health Insurance Assistance Program, www.shiphelp.org/. Accessed 25 Oct. 2024. “Supplemental Security Income (SSI).” SSA.Gov, Social Security Administration, www.ssa.gov/ssi. Accessed 25 Oct. 2024. “Understanding the Extra Help with Your Medicare Prescription Drug Plan.” SSA.Gov, Social Security Administration, 1 Feb. 2024, www.ssa.gov/pubs/EN-05-10508.pdf.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

  BREAKING: 2025 Medicare Part A and B premium and deductible numbers are out! Get the details on the cost of Medicare for your clients in coverage year 2025.   Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Medicare Advantage and Medicare Part D Premiums: https://link.chtbl.com/ASGF20241004 Apps to Stay Productive This AEP! https://link.chtbl.com/ASGA20241106 Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://link.chtbl.com/ASGB20241012 Does Your Medicare Sales Approach Satisfy Different Budgets? https://link.chtbl.com/ASG628R3 How to Stay Compliant During All Medicare Sales: https://link.chtbl.com/ASG628 REWIND: Unretiring and What it Means for Your Medicare Clients ft. Dan Ford: https://link.chtbl.com/ASG628R5 Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024 The 2025 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20241015 What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005 You're Not Alone This AEP! https://link.chtbl.com/ASGM20241104   References: “2025 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Nov. 2024, www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles. “CMS Fast Facts.” CMS.Gov, Centers for Medicare & Medicaid Services, data.cms.gov/fact-sheet/cms-fast-facts. Accessed 11 Nov. 2024. “Social Security Changes - Cola Fact Sheet.” Ssa.Gov, Social Security Administration, www.ssa.gov/news/press/factsheets/colafacts2025.pdf. Accessed 11 Nov. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Utilize these resources to generate Affordable Care Act leads in your community! At Ritter Insurance Marketing, we’re here to help you expand your insurance business.    Read the text version     Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Insurance Marketing Tips to Help Agents Stand Out from the Crowd: https://ritterim.com/blog/5-insurance-marketing-tips-to-help-agents-stand-out-from-the-crowd/ ACA 101: Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248 Carriers & Products with Ritter Insurance Marketing: https://ritterim.com/products/by-carrier/ Community-Based Marketing for Insurance Agents: https://link.chtbl.com/ASG533 Community Engagement & ACA Marketing Suggestions for Agents: https://link.chtbl.com/ASG552 Effective Marketing Strategies for Agents: https://link.chtbl.com/ASG523 Marketing & Incentives with Ritter Insurance Marketing: https://ritterim.com/marketing-incentives/ Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ Register with Ritter: https://app.ritterim.com/public/registration/ Social Media Marketing for Insurance Agents: https://ritterim.com/social-media-ebook/ The Complete Guide to Client Loyalty and Retention FREE eBook: https://ritterim.com/client-retention-guide/ Why Client Retention Should be Your Top Priority: https://link.chtbl.com/ASG581 Why Being a Likeable Agent Is Good for Your Business: https://ritterim.com/blog/why-being-a-likable-agent-is-good-for-your-business/   References: “Children’s Health Insurance Program (CHIP).” Medicaid, www.medicaid.gov/chip/index.html. Accessed 22 Oct. 2024. “CMS.Gov Enterprise Portal.” CMS Enterprise Portal, https://portal.cms.gov/portal/. Accessed 22 Oct. 2024. “FAQs for Marketplace Agents and Brokers.” Centers for Medicare & Medicaid Services, www.agentbrokerfaq.cms.gov/s/article/Where-can-I-update-my-public-facing-agent-broker-profile-information-so-that-consumers-can-find-me-and-request-assistance. Accessed 22 Oct. 2024. “FFM Agent Broker Registration and Termination Status Page.” Data.Healthcare.Gov, www.data.healthcare.gov/ffm_ab_registration_lists. Accessed 22 Oct. 2024. “Find Local Help.” HealthCare.Gov, www.healthcare.gov/find-local-help/. Accessed 22 Oct. 2024. “Help on Demand: Training and Registration Guide.” Centers for Medicare & Medicaid Services, https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/Help-On-Demand-Training-Registration-Guide.pdf. Accessed 22 Oct. 2024. Instagram, www.instagram.com/. Accessed 22 Oct. 2024. “Log into Facebook.” Facebook, www.facebook.com/. Accessed 22 Oct. 2024. “Log in or Sign Up.” LinkedIn, www.linkedin.com/home. Accessed 22 Oct. 2024 “Returning Agents’ and Brokers’ Guide to Plan Year 2025 Marketplace Registration and Training.” Centers for Medicare & Medicaid Services, www.cms.gov/files/document/returning-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 22 Oct. 2024. “Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, www.healthcare.gov/. Accessed 22 Oct. 2024.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

  The Friday Five for November 8, 2024: Spotify Custom Cover Art for Playlists Instagram AI “Adult Classifier” Starbucks & Dunkin’ Holiday Drink Menus Streaming Picks for November 2024 KFF 2025 ACA Open Enrollment Report & Tools   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Spotify Custom Cover Art for Playlists: [email protected]. “Take Your Spotify Playlists to the Next Level With Custom Cover Art.” Newsroom.Spotify.Com, Spotify, 22 Oct. 2024, newsroom.spotify.com/2024-10-22/create-cover-art-playlists-custom-beta/.   Spotify Playlists: Interviews on the Agent Survival Guide Podcast News for Insurance Agents Social Media Marketing for Insurance Agents   Instagram AI “Adult Classifier:” Barlow, Graham. “Instagram to Use AI to Catch Teens Lying about Their Age and Automatically Move Them to Restricted Accounts.” TechRadar.Com, TechRadar, 6 Nov. 2024, www.techradar.com/computing/artificial-intelligence/instagram-to-use-ai-to-catch-teens-lying-about-their-age-and-automatically-move-them-to-restricted-accounts. Basu, Suswati. “Instagram Uses AI to Detect Underage Users and Move Them to Teen Accounts.” Edited by Sam Shedden, Readwrite.Com, readwrite, 6 Nov. 2024, https://readwrite.com/instagram-ai-detect-underage-users/. Borak, Masha. “Meta Announces New Age-Checking Measures for Young Instagram Users.” Biometricupdate.Com, Biometric Update | Biometrics News, Companies and Explainers, 5 Nov. 2024, www.biometricupdate.com/202411/meta-announces-new-age-checking-measures-for-young-instagram-users. Bonifacic, Igor. “Meta Details ‘Adult Classifier’ Tool for Catching Teens Who Lie about Their Age on Instagram.” Engadget.Com, Engadget, 4 Nov. 2024, www.engadget.com/social-media/meta-details-adult-classifier-tool-for-catching-teens-who-lie-about-their-age-on-instagram-164439051.html.   Starbucks & Dunkin’ Holiday Menus: “Starbucks Holiday Menu Returns with Festive New Refreshers & Food, Beginning Nov.7.” About.Starbucks.Com, Starbucks, 6 Nov. 2024, about.starbucks.com/stories/2024/starbucks-holiday-menu-returns-with-festive-new-refreshers-and-food-beginning-nov-7. “‘Tis the Season at Dunkin’®: Introducing New Holiday Cookie Signature Latte, Almond Croissant, and the Return of Free Donut Wednesdays.” News.Dunkindonuts.Com, Dunkin’, 29 Oct. 2024, news.dunkindonuts.com/news/dunkin-holiday-menu-announcement.   Streaming Picks for November 2024: Ridgely, Charlie. “Everything Coming to Netflix, Disney+ & Other Major Streaming Services in November 2024.” ComicBook.Com, ComicBook, 28 Oct. 2024, comicbook.com/movies/news/new-streaming-november-2024-movies-tv-shows-netflix-disney-max-prime-video/.   KFF 2025 ACA Open Enrollment Report & Tools: “Health Insurance Marketplace Calculator.” KFF.Org, KFF, 30 Oct. 2024, www.kff.org/interactive/subsidy-calculator/. Ortaliza, Jared, et al. “Ten Things to Watch for 2025 ACA Open Enrollment.” KFF.Org, KFF, 30 Oct. 2024, www.kff.org/policy-watch/ten-things-to-watch-for-2025-aca-open-enrollment/. “Build a Custom State Report.” KFF.Org, KFF, www.kff.org/statedata/custom/. Accessed 6 Nov. 2024. “Temporary Special Enrollment Period (SEP) for Consumers Losing Medicaid or Children’s Health Insurance Program (CHIP) Coverage Due to Unwinding of the Medicaid Continuous Enrollment Condition Operations for Plan Year 2024.” Medicaid.Gov, Centers for Medicare & Medicaid Services, 28 Mar. 2024, www.medicaid.gov/resources-for-states/downloads/extn-sep-cnsmrs-lsg-chip-cvrg-adndm-faq.pdf.   Resources: Apple Intelligence iOS 18.1 Features: https://link.chtbl.com/ASGF20241101 Apps to Stay Productive This AEP! https://link.chtbl.com/ASGA20241106 Best eBook & Audiobook Apps: https://link.chtbl.com/ASGA71 Budget-Friendly Streaming Services: https://link.chtbl.com/ASGA70 You're Not Alone This AEP! https://link.chtbl.com/ASGM20241104   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

  All clients have different needs, health concerns, and budgets! Learn how to approach budget conversations tactfully to help clients find plans that fit their varying needs.   Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: Ancillary Products at Ritter Insurance Marketing: https://ritterim.com/products/ancillary/ A Review of Integrity's Top Medicare Quoting Tools: https://ritterim.com/blog/a-review-of-the-integrity-offered-medicare-quoting-software Carrier Partners at Ritter Insurance Marketing: https://ritterim.com/products/by-carrier/ How Insurance FMOs Work: https://ritterim.com/how-insurance-fmos-work/ Learn more about PlanEnroll: https://ritterim.com/planenroll/ Learn more about MedicareCENTER: https://integrity.com/medicarecenter/ Medicare Products at Ritter Insurance Marketing: https://ritterim.com/products/medicare/ Not partnered with Integrity? Register here: https://identity.integrity.com/register PlanEnroll Client User Guide PDF: https://learningcenter.tawebhost.com/Client-Sync-Consumer-User-Guide.pdf Ritter Insurance Marketing Registration: https://app.ritterim.com/public/registration/ The Basics of Selling Insurance from Home: https://ritterim.com/blog/the-basics-of-selling-insurance-from-home/ The Benefits of Joining a Top Insurance FMO: https://ritterim.com/blog/the-benefits-of-joining-a-top-insurance-fmo/   References: “Compare Medigap Plan Benefits.” Medicare.Gov, Medicare, www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits. Accessed 22 Oct. 2024. Cottrill, Alex, et al. “Income and Assets of Medicare Beneficiaries in 2023.” KFF, KFF, 9 Feb. 2024, www.kff.org/medicare/issue-brief/income-and-assets-of-medicare-beneficiaries-in-2023/. “Fidelity® Releases 2023 Retiree Health Care Cost Estimate: For the First Time in Nearly a Decade, Retirees See Relief as Estimate Stays Flat Year-over-Year.” Newsroom.Fidelity.Com, Fidelity, 21 June 2023, newsroom.fidelity.com/pressreleases/fidelity--releases-2023-retiree-health-care-cost-estimate--for-the-first-time-in-nearly-a-decade--re/s/b826bf3a-29dc-477c-ad65-3ede88606d1c.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  We’re in the middle of the busy season! Check out these task management apps to help keep you on track.   Zoho Projects: https://www.zoho.com/projects/ Joplin: https://joplinapp.org/     Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: Affinity Partnerships for Insurance Agents: https://link.chtbl.com/ASG617 Apps for Tracking Business Expenses: https://link.chtbl.com/ASGA67 Best Video Editing Apps for Social Media: https://link.chtbl.com/ASGA69 Organization Tips and Tricks for the Medicare Annual Enrolment Period: https://ritterim.com/blog/organization-tips-and-tricks-for-the-medicare-annual-enrollment-period/ What Agents Forget to Do When Preparing for Appointments: https://ritterim.com/blog/what-agents-forget-to-do-when-preparing-for-appointments/   References: Joplin, www.joplinapp.org/. Accessed 14 Oct. 2024. “Joplin Cloud Plans.” Joplin, www.joplinapp.org/plans/. Accessed 14 Oct. 2024. “Team Communication Software: Business & Team Chat App - Zoho Cliq.” Zoho, www.zoho.com/cliq/. Accessed 14 Oct. 2024. “Zoho Projects Pricing Plans.” Zoho, www.zoho.com/projects/zohoprojects-pricing.html. Accessed 14 Oct. 2024. “Zoho Projects: Online Project Management Platform.” Zoho, www.zoho.com/projects/. Accessed 14 Oct. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  You’re not alone this AEP! The Ritter family is dedicated to help you have the best AEP yet. Discover tips to avoid burnout by working smarter, not harder.     Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/     Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 3 Insurance Business Tools You Absolutely Can’t Live Without: https://ritterim.com/the-ultimate-agent-resource-list/ Affinity Partnerships for Insurance Agents: https://link.chtbl.com/ASG617 Apps for Tracking Business Expenses: https://link.chtbl.com/ASGA67 Cultivating Growth in Your Insurance Agency and Life ft. Jen Flere: https://link.chtbl.com/ASGM20230410 Discover More About MedicareCENTER & Ask Integrity: https://ritterim.com/integrity-tools/ How Ritter Supports Agents: https://ritterim.com/support/ Habit & Mood Tracker Apps: https://link.chtbl.com/ASGA048  Overcome Stress with Niksen: The Art of Doing Nothing: https://link.chtbl.com/ASGM20240520   References: “4 Steps to Beating Burnout.” Harvard Business Review, www.hbr.org/2016/11/beating-burnout . Accessed 28 Oct. 2024. “5 Consequences of Overworking Employees for Your Business.” ActivTrak, 5 May 2024, www.activtrak.com/blog/consequences-of-overworking-employees/. Edú-Valsania, Sergio, et al. “Burnout: A Review of Theory and Measurement.” MDPI, Multidisciplinary Digital Publishing Institute, 4 Feb. 2022, www.mdpi.com/1660-4601/19/3/1780. Harper, Caitlin. “How to Build a Support System for Your Mental Health.” MyWellbeing, 22 June 2023, www.mywellbeing.com/therapy-101/how-to-build-a-support-system. Fraga, Juli. “How to Identify and Prevent Burnout.” Healthline, Healthline Media, www.healthline.com/health/tips-for-identifying-and-preventing-burnout. Accessed 28 Oct. 2024. “Is Work Overload Hurting Your Organization’s Performance?” Calm, 29 July 2024, www.business.calm.com/resources/blog/is-work-overload-hurting-your-organizations-performance/. “Preventing Burnout: 7 Strategies and When to Seek Help.” Medical News Today, www.medicalnewstoday.com/articles/preventing-burnout. Accessed 28 Oct. 2024. “The Health Benefits of Good Friends.” Mayo Clinic, Mayo Foundation for Medical Education and Research, 15 Oct. 2024, www.mayoclinic.org/healthy-lifestyle/adult-health/in-depth/friendships/art-20044860. “The Research Is Clear: Long Hours Backfire for People and for Companies.” Harvard Business Review, 28 Dec. 2015, www.hbr.org/2015/08/the-research-is-clear-long-hours-backfire-for-people-and-for-companies.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.   

  Retirement doesn't always mean the end of work. Your Medicare client may want or need to go back to work. What then? We talked to Danny Ford about the steps insurance agents should take when their client is considering a return to the workforce.   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 10 Tips to Submitting an Error-Free Medicare Enrollment Application: https://ritterim.com/blog/10-tips-to-submitting-an-error-free-medicare-enrollment-application/ A Review of Integrity's Top Medicare Quoting Tools: https://ritterim.com/blog/a-review-of-the-integrity-offered-medicare-quoting-software/ KFF 2025 Medicare Part D Snapshot Report: https://link.chtbl.com/ASGF20241018 The 2025 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20241015 The Complete Guide on How to Sell Medicare Advantage Plans: https://ritterim.com/medicare-advantage-ebook/ The Complete Guide to Client Loyalty and Retention: https://ritterim.com/client-retention-guide/ The Definitive Guide to Getting Leads and Prospecting for Medicare Sales: https://ritterim.com/lead-generation-guide/ The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024 What Agents Forget to Do When Preparing for Appointments: https://link.chtbl.com/ASG6245 What CMS Requires Medicare Agents to Discuss Prior to Enrollments: https://ritterim.com/blog/what-cms-requires-medicare-agents-to-discuss-prior-to-enrollments/ What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  The Friday Five for November 1, 2024: CMS Updates Enrollment Process for EDE & DE Platforms WPS Data Breach Leads to Issue of New Medicare Beneficiary Identifiers Student Loan Forgiveness Update Apple AirPods Pro Hearing Tools Launch Apple Intelligence iOS 18.1 Features   CMS Updates Enrollment Process for EDE & DE Platforms: “CMS Roundup (October. 18, 2024).” CMS.Gov, Centers for Medicare & Medicaid Services, 18 Oct. 2024, www.cms.gov/newsroom/cms-round-up/cms-roundup-october-18-2024. “Direct Enrollment and Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/agents-brokers/direct-enrollment-partners. Accessed 31 Oct. 2024. “HealthCare.Gov Contact Information.” HealthCare.Gov, HealthCare.gov, www.healthcare.gov/contact-us/. Accessed 31 Oct. 2024. “HealthSherpa for Agents.” HealthSherpa.Com, HealthSherpa, www.healthsherpa.com/agents/features. Accessed 31 Oct. 2024.   WPS Data Breach Leads to Issue of New Medicare Beneficiary Identifiers: Alder, Steve. “CMS Confirms 3.1 Million Individuals Affected by MOVEit Hack on Wisconsin Physicians Service.” Hipaajournal.Com, The HIPAA Journal, 25 Sept. 2024, www.hipaajournal.com/cms-wisconsin-physicians-service-moveit-hack/. “CMS Notifies Additional Individuals Potentially Impacted by MOVEit Data Breach.” CMS.Gov, Centers for Medicare & Medicaid Services, 16 Nov. 2023, www.cms.gov/newsroom/press-releases/cms-notifies-additional-individuals-potentially-impacted-moveit-data-breach. “CMS Notifies Individuals Potentially Impacted by Data Breach.” CMS.Gov, Centers for Medicare & Medicaid Services, 6 Sept. 2024, www.cms.gov/newsroom/press-releases/cms-notifies-individuals-potentially-impacted-data-breach. “CMS Responding to Data Breach at Contractor.” CMS.Gov, Centers for Medicare & Medicaid Services, 28 July 2023, www.cms.gov/newsroom/press-releases/cms-responding-data-breach-contractor. Olsen, Emily. “CMS Says Data Breach at Contractor Could Affect More than 946,000 Medicare Beneficiaries.” Healthcare Dive, Healthcare Dive, 9 Sept. 2024, www.healthcaredive.com/news/cms-wisconsin-physicians-service-insurance-corporation-moveit-data-breach/726416/. Goodin, Dan. “Casualties Keep Growing in This Month’s Mass Exploitation of Moveit 0-Day.” Arstechnica.Com, Ars Technica, 27 June 2023, arstechnica.com/security/2023/06/casualties-keep-growing-in-this-months-mass-exploitation-of-moveit-0-day/. “Over 940,000 Medicare Beneficiaries Impacted by Data Breach.” Jdsupra.Com, JD Supra, 24 Oct. 2024, www.jdsupra.com/legalnews/over-940-000-medicare-beneficiaries-1539983/. Reed, Jonathan. “The MOVEIT Breach Impact and Fallout: How Can You Respond?” Securityintelligence.Com, Security Intelligence, 23 Oct. 2024, securityintelligence.com/news/the-moveit-breach-impact-and-fallout-how-can-you-respond/.   Student Loan Forgiveness Update: Gibson, Kate. “Biden Administration Extends Repayment Freeze for 8 Million Student Loan Borrowers.” Edited by Alain Sherter, Cbsnews.Com, CBS News, 21 Oct. 2024, www.cbsnews.com/news/student-loan-forgiveness-payment-biden/. Cavanaugh, Lynn. “Biden Freezes Student Loan Repayments for 6 Months for 8M Borrowers.” Benefitspro.Com, BenefitsPro, 22 Oct. 2024, www.benefitspro.com/2024/10/22/biden-freezes-student-loan-repayments-for-6-months-for-8m-borrowers/. “Biden-Harris Administration Releases Proposed Rules to Authorize Debt Relief to Nearly Eight Million Borrowers Experiencing Hardship.” Ed.Gov, U.S. Department of Education, 25 Oct. 2024, www.ed.gov/about/news/press-release/biden-harris-administration-releases-proposed-rules-authorize-debt-relief. Cavanaugh, Lynn. “Biden’s New Student Loan Forgiveness Plan: A 3rd Attempt at Debt Cancellation for 8M.” Benefitspro.Com, BenefitsPro, 28 Oct. 2024, www.benefitspro.com/2024/10/28/bidens-new-student-loan-forgiveness-plan-a-3rd-attempt-at-debt-cancellation-for-8m/. Johnston, Courtney. “Biden’s New Student Loan Forgiveness Plan Could Offer Debt Relief to 8 Million Borrowers.” Cnet.Com, CNET, 25 Oct. 2024, www.cnet.com/personal-finance/loans/bidens-new-student-loan-forgiveness-plan-could-offer-debt-relief-to-8-million-borrowers/. “Department of Education Updates on Saving on a Valuable Education (SAVE Plan).” Ed.Gov, U.S. Department of Education, 24 Oct. 2024, www.ed.gov/higher-education/manage-your-loans/save-plan. “SAVE Plan Court Actions: Impact on Borrowers.” Studentaid.Gov, Federal Student Aid, 2 Oct. 2024, studentaid.gov/announcements-events/save-court-actions. “Student Debt Relief Hardship.” Ed.Gov, U.S. Department of Education, www.ed.gov/media/document/nprm-hardship-sldr. Accessed 30 Oct. 2024. Zimmer, Evan. “Student Loan Payment Pause Extended for 6 More Months for SAVE Borrowers.” Cnet.Com, CNET, 21 Oct. 2024, www.cnet.com/personal-finance/loans/student-loan-payment-pause-extended-for-6-more-months-for-save-borrowers/.   Apple AirPods Pro Hearing Tools Launch: “Airpods Pro 2 - Hearing Health.” Apple, Apple, www.apple.com/airpods-pro/hearing-health/. Accessed 31 Oct. 2024. Welch, Chris. “Apple’s Airpods pro Just Got Much Better - No Matter What Port Is on the Case.” Theverge.Com, The Verge, 18 Sept. 2023, www.theverge.com/23878402/apple-airpods-pro-usb-c-adaptive-audio-conversation-awareness-test-review. Steele, Billy. “Apple’s Airpods pro Hearing Health Tools Could Normalize Wearing Earbuds Everywhere.” Engadget.Com, Engadget, 29 Oct. 2024, www.engadget.com/audio/headphones/apples-airpods-pro-hearing-health-tools-could-normalize-wearing-earbuds-everywhere-140054858.html. “Apple Introduces Airpods 4 and a Hearing Health Experience with Airpods Pro 2.” Apple.Com, Apple, 29 Oct. 2024, www.apple.com/newsroom/2024/09/apple-introduces-airpods-4-and-a-hearing-health-experience-with-airpods-pro-2/. “How Apple Developed the World’s First End-to-End Hearing Health Experience.” Apple.Com, Apple, 30 Oct. 2024, www.apple.com/newsroom/2024/10/how-apple-developed-the-worlds-first-end-to-end-hearing-health-experience/. Welch, Chris. “How to Take the Apple Hearing Test.” Theverge.Com, The Verge, 28 Oct. 2024, www.theverge.com/24278477/apple-hearing-test-how-to. Shastri, Devi. “Apple Airpods Pro’s New Hearing Aid Feature Could Help People Face a Problem They’d Rather Ignore.” Apnews.Com, AP News, 28 Oct. 2024, apnews.com/article/hearing-aids-airpods-apple-android-fsa-hsa-e0f243bcaff9b4c5b5068b546012b338. Cadwell, Blake. “How to Use Airpods as Hearing Aids (with Screenshots).” Edited by Amy Sarow, Soundly.Com, Soundly., 28 Oct. 2024, www.soundly.com/blog/airpods-as-hearing-aids. Ulanoff, Lance. “I’m Done Being Rude to People Thanks to Adaptive Audio on Airpods Pro 2.” Techradar.Com, TechRadar, 19 Sept. 2023, www.techradar.com/audio/im-done-being-rude-to-people-thanks-to-adaptive-audio-on-airpods-pro-2. Carey, Bridget. “I Tested the Apple Airpod pro 2 Hearing Aid Software Early. Here’s Everything You Need to Know.” Cnet.Com, CNET, 21 Oct. 2024, www.cnet.com/tech/mobile/i-tested-the-apple-airpod-pro-2-hearing-aid-software-early-heres-everything-you-need-to-know/.   Apple Intelligence iOS 18.1 Features: Crouse, Megan. “Apple Intelligence Cheat Sheet: A Complete Guide for 2024.” Techrepublic.Com, TechRepublic, 29 Oct. 2024, www.techrepublic.com/article/apple-intelligence-cheat-sheet/. Disotto, John-Anthony. “Apple Intelligence Features Explained - Everything You Need to Know about Apple AI and When You Can Use It.” Techradar.Com, TechRadar, 11 Sept. 2024, www.techradar.com/computing/artificial-intelligence/apple-intelligence-features-explained-everything-you-need-to-know-about-apple-ai-and-when-you-can-use-it. “Apple Intelligence Is Available Today on iPhone, iPad, and Mac.” Apple.Com, Apple Newsroom, 29 Oct. 2024, www.apple.com/newsroom/2024/10/apple-intelligence-is-available-today-on-iphone-ipad-and-mac/. Ortiz, Sabrina. “Can’t Find Apple’s AI Features after Upgrading to iOS 18.1? Do This.” Zdnet.Com, ZDNET, 29 Oct. 2024, www.zdnet.com/article/cant-find-apples-ai-features-after-upgrading-to-ios-18-1-do-this/. Carlson, Jeff. “If You Want Apple Intelligence on Your iPhone, Here’s What You Need to Do.” Cnet.Com, CNET, 29 Oct. 2024, www.cnet.com/tech/services-and-software/if-you-want-apple-intelligence-on-your-iphone-heres-what-you-need-to-do/. Miller, Chance. “iOS 18.2 with New Apple Intelligence Features Coming in December, Apple Confirms.” 9to5mac.Com, 9to5Mac, 28 Oct. 2024, 9to5mac.com/2024/10/28/ios-18-2-release-date/. Michaels, Philip. “iOS 18 Memory Movie Is One of Apple Intelligence’s Best Features - Here’s How to Use It.” Tomsguide.Com, Tom’s Guide, 26 Sept. 2024, www.tomsguide.com/phones/iphones/how-to-create-a-memory-movie-with-apple-intelligence-on-your-iphone. Priday, Richard. “I Tried All New Apple Intelligence Features in IOS 18.1 - Here’s the Best (and Worst).” Tomsguide.Com, Tom’s Guide, 28 Oct. 2024, www.tomsguide.com/phones/iphones/i-tried-all-new-apple-intelligence-features-in-ios-18-1-heres-the-best-and-worst. Carlson, Jeff. “These 3 Apple Intelligence Features in IOS 18.1 Are the Ones You’ll Actually Use.” Cnet.Com, CNET, 30 Oct. 2024, www.cnet.com/tech/services-and-software/these-3-apple-intelligence-features-in-ios-18-1-are-the-ones-youll-actually-use/.   Resources: 1 Million New Medicare Beneficiary Identifiers to be Issued After WPS Data Breach: https://ritterim.com/blog/1-million-new-medicare-beneficiary-identifiers-to-be-issued-after-wps-data-breach/ ACA 101: Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248 CMS Implements Marketplace Security Enhancements for EDE & DE Pathways: https://ritterim.com/blog/cms-implements-marketplace-security-enhancements-for-ede-and-de-pathways/ How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://link.chtbl.com/ASG6255 How to Ask Your Current Clients for Referrals: https://link.chtbl.com/ASG623   How to Stay Compliant During All Medicare Sales: https://link.chtbl.com/ASG628 Key Changes for ACA Open Enrollment 2025 ft. Ross Baker from HealthSherpa: https://link.chtbl.com/ASG2024RossBaker Simplify Marketplace Enrollments with HealthSherpa: https://link.chtbl.com/ASG627   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Not affiliated with or endorsed by Medicare or any government agency.

  Prepare for potential CMS secret shoppers! We outline best practices to help agents stay compliant during calls, whether you’re talking to a client, lead, or potential secret shopper.    Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: Common Questions From Secret Shoppers PDF: https://ritterim.com/documents/infographics/common-questions-for-secret-shoppers.pdf FAQs About the Medicare Call Recording Requirements: https://ritterim.com/blog/faqs-about-the-medicare-call-recording-requirements/ Get Your PlanEnroll Site: https://ritterim.com/planenroll/ How to Keep Clients Safe from Insurance Fraud: https://link.chtbl.com/ASG619 Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://link.chtbl.com/ASG622 Join the Integrity Family: https://identity.integrity.com/register Learn More About Integrity Tools: https://ritterim.com/integrity-tools/ What Agents Can’t Say During Medicare Sales Appointments: https://link.chtbl.com/ASG6245 What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales: https://ritterim.com/blog/what-to-know-about-soas-in-medicare-health-and-prescription-drug-plan-sales/ Where It All Begins: Obtaining Permission to Contact for Medicare Sales: https://ritterim.com/blog/where-it-all-begins-obtaining-permission-to-contact-for-medicare-sales/   References: “2024 Medicare Advantage and Part D Final Rule (CMS-4201-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 5 Apr. 2023, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-final-rule-cms-4201-f. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. “Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs; Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency; Additional Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency.” Federal Register, www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 23 Oct. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

  There’s more than one way to enroll clients into marketplace plans. Learn the advantages of using HealthSherpa as your ACA enrollment platform in this episode!    Read the text version    The Complete Guide to Selling Affordable Care Act Insurance Plans FREE eBook Download: https://ritterim.com/aca-ebook/   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Myths About Selling ACA Health Plans: https://ritterim.com/blog/5-myths-about-selling-aca-health-plans/ ACA 101:Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248 Carriers & Products with Ritter: https://ritterim.com/products/by-carrier/ Create a HealthSherpa Account Through Ritter: https://docs.ritterim.com/products/under-65-health/#create-a-healthsherpa-account FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans: https://ritterim.com/blog/faqs-about-selling-on-exchange-off-exchange-under-65-plans/ How Agents Can Protect Clients from Unauthorized ACA Plan Switching: https://ritterim.com/blog/how-agents-can-protect-clients-from-unauthorized-aca-plan-switching/ Key Changes for ACA Open Enrollment 2025 ft. Ross Baker from HealthSherpa: https://link.chtbl.com/ASG2024RossBaker Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ New Required Document Agents Need for ACA Sales: https://ritterim.com/blog/new-required-documents-agents-need-for-aca-sales/ Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/   References: “Agent Help Center.” HealthSherpa Help Center, HealthSherpa, www.faq.healthsherpa.com/en/collections/166253-agent-help-center. Accessed 21 Oct. 2024. “Direct Enrollment and Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/agents-brokers/direct-enrollment-partners. Accessed 21 Oct. 2024. “Enhanced Direct Enrollment.” HealthSherpa, www.healthsherpa.com/ede. Accessed 21 Oct. 2024. “Free Preventive Care & the Affordable Care Act.” HealthSherpa, www.healthsherpa.com/preventive-care-services. Accessed 21 Oct. 2024. “HealthSherpa Privacy Notice.” HealthSherpa, 5 Oct. 2020, www.healthsherpa.com/privacy_notice. “Maximize Your ACA Revenue with HealthSherpa.” HealthSherpa, www.healthsherpa.com/carrier. Accessed 21 Oct. 2024. “Member Defense Network: Ensuring Health Insurance Marketplace Integrity.” Member Defense Network, www.memberdefense.org/. Accessed 21 Oct. 2024. “Secure Your ACA Book with Two-Factor Authentication.” HealthSherpa Blog, HealthSherpa, https://blog.healthsherpa.com/agents/agent-2fa/. Accessed 21 Oct. 2024. “Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, www.healthcare.gov/. Accessed 21 Oct. 2024. “Work your ACA book faster and easier.” HealthSherpa, www.healthsherpa.com/agents/features. Accessed 21 Oct. 2024.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Your clients may not be aware of extra benefits in select Medicare Advantage plans. Learn about OTC benefits and how you can educate your clients about them.   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: How to Ask Your Current Clients for Referrals: https://ritterim.com/blog/how-to-ask-your-current-clients-for-referrals/ Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/ Signs It’s Time to Expand Your Insurance Portfolio & Make the Move: https://link.chtbl.com/ASG605 The Insurance Agent’s Guide to Generating Referrals FREE eBook download: https://ritterim.com/insurance-referral-generation/ Understanding Medicare Advantage Training: https://ritterim.com/knight-school/solid-foundation/understanding-medicare-advantage/1/   References: GA Foods, GA Foods, www.gafoods.com/. Accessed 16 Aug. 2024. Freed, Meredith, et al. “Medicare Advantage in 2024: Enrollment Update and Key Trends.” KFF, KFF, 8 Aug. 2024, www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-enrollment-update-and-key-trends/. Freed, Meredith, et al. “Medicare Advantage in 2024: Premiums, Out-of-Pocket Limits, Supplemental Benefits, and Prior Authorization.” KFF, KFF, 8 Aug. 2024, www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-premiums-out-of-pocket-limits-supplemental-benefits-and-prior-authorization/. “Medicare Monthly Enrollment.” Centers for Medicare & Medicaid Services Data, Centers for Medicare & Medicaid Services, 16 July 2024, https://data.cms.gov/summary-statistics-on-beneficiary-enrollment/medicare-and-medicaid-reports/medicare-monthly-enrollment. Mom’s Meals, Mom’s Meals, www.momsmeals.com/. Accessed 16 Aug. 2024. SilverSneakers, SilverSneakers, https://tools.silversneakers.com/. Accessed 16 Aug. 2024. “Silver&Fit.” Silverandfit.com, Silver&Fit, www.silverandfit.com/. Accessed 16 Aug. 2024. Levy, Alexis, et al. “Supplemental Benefit Trends 2023.” HealthScape, Chartis, 14 Feb. 2023, www.healthscape.com/insights/supplemental-benefit-trends-2023/. Badger, Cary. “The Rise of Over-the-Counter Programs in Medicare Advantage Plans.” HealthScape, Chartis, 30 Apr. 2019, www.healthscape.com/insights/the-rise-of-over-the-counter-otc-benefits-in-medicare-advantage/.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  The Friday Five for October 25, 2024: Adobe Fresco Now Completely Free for Everyone Amazon and Walmart Announce Pharmacy Delivery Expansions Stride 2025 Open Enrollment Study KFF Analysis on Med Supp Enrollment Data Medigap Deductibles and OOP Costs for 2025   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Adobe Fresco Now Completely Free for Everyone: Foley, Joe. “Adobe Fresco Is Now Completely Free for All.” Creative Bloq, Creative Bloq, 23 Oct. 2024, www.creativebloq.com/art/digital-art/adobe-fresco-is-now-completely-free-for-all. Gan, Jeremy. “Adobe Fresco’s Previously Paywalled Features Are Now Free for Everyone.” Engadget, Engadget, 23 Oct. 2024, www.engadget.com/apps/adobe-frescos-previously-paywalled-features-are-now-free-for-everyone-141956420.html. Weatherbed, Jess. “Adobe Made Its Painting App Completely Free to Take on Procreate.” The Verge, The Verge, 23 Oct. 2024, www.theverge.com/2024/10/23/24277533/adobe-fresco-painting-app-free-availablility-procreate. “Digital Painting and Drawing App | Adobe Fresco.” Adobe.Com, Adobe, www.adobe.com/products/fresco.html. Accessed 24 Oct. 2024.   Amazon and Walmart Announce Pharmacy Delivery Expansions: Accelerating Convenience: Walmart Launches Nationwide Same-Day Pharmacy Delivery, Helping Customers Live Better, 22 Oct. 2024, corporate.walmart.com/news/2024/10/22/accelerating-convenience-walmart-launches-nationwide-same-day-pharmacy-delivery-helping-customers-live-better. “Amazon Pharmacy Plans to Expand Same-Day Delivery of Medications to Nearly Half the US in 2025.” Amazon.Com, Amazon, 9 Oct. 2024, www.aboutamazon.com/news/retail/amazon-pharmacy-expands-same-day-prescription-delivery-united-states. Dr. Sai Balasubramanian, M.D. “Amazon Pharmacy’s Rapid Growth Will Soon Make Instant Access to Medication the New Normal.” Forbes.Com, Forbes, 16 Oct. 2024, www.forbes.com/sites/saibala/2024/10/14/amazon-pharmacys-rapid-growth-will-soon-make-instant-access-to-medication-the-new-normal/. Palmer, Annie. “Amazon Same-Day Prescription Delivery Expanding to Nearly Half of U.S. in 2025.” Cnbc.Com, CNBC, 9 Oct. 2024, www.cnbc.com/2024/10/09/amazon-same-day-prescription-delivery-expanding-to-half-of-us-in-2025.html. Tong, Noah. “Walmart Offers Same-Day Prescription Delivery with Plans to Reach 49 States.” Fiercehealthcare.Com, Fierce Healthcare, 22 Oct. 2024, www.fiercehealthcare.com/retail/hlth24-walmart-simplify-online-pharmacy-orders-49-states. Gibson, Kate. “Walmart Plans to Deliver Prescriptions Nationwide in as Little as 30 Minutes.” Edited by Alain Sherter, Cbsnews.Com, CBS, 22 Oct. 2024, www.cbsnews.com/news/walmart-prescription-delivery-amazon/.   Stride 2025 ACA Open Enrollment Study: “2025 Annual Open Enrollment Survey - A New Report from Stride.” Blog.Stridehealth.Com, Stride Health, 17 Oct. 2024, blog.stridehealth.com/open-enrollment-2025survey. Popke, Michael. “Almost 75% of ACA Buyers Will Not Compare Plans for 2025.” Benefitspro.Com, BenefitsPro, 21 Oct. 2024, www.benefitspro.com/2024/10/21/almost-75-of-aca-buyers-will-not-compare-plans-for-2025/.   KFF Analysis on Med Supp Enrollment Data: Freed, Meredith, Nancy Ochieng, et al. “Key Facts about Medigap Enrollment and Premiums for Medicare Beneficiaries.” KFF, KFF, 18 Oct. 2024, www.kff.org/medicare/issue-brief/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/. “Medicare Supplement Enrollment Down Slightly in 2023.” Markfarrah.Com, Mark Farrah Associates, 28 May 2024, www.markfarrah.com/mfa-briefs/medicare-supplement-enrollment-down-slightly-in-2023. Freed, Meredith, Nancy Ochieng, et al. “Medigap May Be Elusive for Medicare Beneficiaries with Pre-Existing Conditions - Issue Brief - 10506.” KFF, KFF, 18 Oct. 2024, www.kff.org/report-section/medigap-may-be-elusive-for-medicare-beneficiaries-with-pre-existing-conditions-issue-brief/.   Medigap Deductibles and OOP Costs for 2025: “F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/f-g-j-deductible-announcements. Accessed 23 Oct. 2024. “K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 23 Oct. 2024.   Resources: ACA 101: Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248 Helping Clients with Marketplace Eligibility Appeals: https://link.chtbl.com/ASG624 How to Ask Your Current Clients for Referrals: https://link.chtbl.com/ASG623 KFF 2025 Medicare Part D Snapshot Report: https://link.chtbl.com/ASGF20241018 The 2025 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20241015 The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

    Discover the tech solutions packed into Ask Integrity™, our industry's first AI-powered digital assistant just for insurance agents.   Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: Ask Integrity™ and its features: https://integrity.com/ask-integrity/  Integrity Tools: https://ritterim.com/integrity-tools/ MedicareCENTER: https://integrity.com/medicarecenter/ Not partnered with Integrity? Register here: https://identity.integrity.com/register Ritter Registration: https://app.ritterim.com/public/registration/ What to Do If Your Medicare Part D Plans Become Non-Commissionable: https://ritterim.com/blog/what-to-do-if-your-medicare-part-d-plans-become-non-commissionable/   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  This episode is for the bibliophiles! Check out Tina’s finds for the best eBook and audiobook apps.     Libby: https://libbyapp.com/  Everand: https://www.everand.com/  Kobo Books: https://www.kobo.com/us/en     Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: Agent’s Guide to Phone Communication Resources: https://link.chtbl.com/ASG608 Apps for Tracking Business Expenses: https://link.chtbl.com/ASGA67 Best Video Editing Apps for Social Media: https://link.chtbl.com/ASGA69 Modern Medicare Marketing for Today’s Agents FREE eBook Download: https://ritterim.com/modern-marketing-guide/ The Best Books for Insurance Agents: https://link.chtbl.com/ASG590   References: “Ebooks, Audiobooks & More - Read Free for 30 Days.” Everand, www.everand.com/. Accessed 8 Oct. 2024. “Kobo.Com United States Store - Ebooks, Audiobooks, Ereaders and Reading Apps.” Kobo, www.kobo.com/us/en. Accessed 8 Oct. 2024. Libby, www.libbyapp.com/. Accessed 8 Oct. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  The Affordable Care Act Marketplace can be a lucrative market for agents in Medicare. Listen to find out 8 reasons why selling ACA plans will benefit your business and help your clients and their families.   Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 6 Reasons Insurance Agencies Selling Medicare Products Should Sell ACA: https://ritterim.com/blog/6-reasons-insurance-agencies-selling-medicare-products-should-sell-aca/ ACA 101: Selling Under-65 Health Insurance: https://ritterim.com/blog/aca-101-selling-under-65-health-insurance/ Medicare Isn’t Just for Seniors: Selling to the Under-65 Market: https://ritterim.com/blog/medicare-isnt-just-for-seniors-selling-to-the-under-65-market/ Meet Your Sales Team: https://app.ritterim.com/public/registration/ Products & Carriers with Ritter Insurance Marketing: https://ritterim.com/products/by-carrier/ Register with Ritter: https://app.ritterim.com/public/registration/ State of the ACA Market in 2024: https://link.chtbl.com/ASG610 Steps to Get Ready for OEP: Federal Exchange States & State-Based Exchanges: https://link.chtbl.com/ASG6215   References: “CMS Extends Open Enrollment Period and Launches Initiatives to Expand Health Coverage Access Nationwide.” CMS.Gov, Centers for Medicare & Medicaid Services, 17 Sept. 2021, www.cms.gov/newsroom/press-releases/cms-extends-open-enrollment-period-and-launches-initiatives-expand-health-coverage-access-nationwide. McDermott, Daniel, and Cynthia Cox. “Insurer Participation on the ACA Marketplaces, 2014-2021.” KFF, KFF, 23 Feb. 2021, www.kff.org/private-insurance/issue-brief/insurer-participation-on-the-aca-marketplaces-2014-2021/. “New, Lower Costs on Marketplace Marketplace Coverage.” HealthCare.Gov, HealthCare.gov, www.healthcare.gov/more-savings/. Accessed 3 Oct. 2024. Keith, Katie. “New Special Enrollment Period for Low-Income People Could Boost Coverage.” Commonwealth Fund, The Commonwealth Fund, 7 Sept. 2021, www.commonwealthfund.org/blog/2021/new-special-enrollment-period-low-income-people-could-boost-coverage. “Registration and Training for Marketplace Agents and Brokers.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/agents-brokers/registration-training. Accessed 3 Oct. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Interested in joining the Under-65 Insurance Market? Listen to this episode to get the basics of selling ACA to your clients.    Read the text version    Understanding ACA Plan Metal Tiers FREE Printable PDF Download: https://ritterim.com/documents/understanding-aca-plan-metal-tiers.pdf     Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Myths About Selling ACA Health Plans: https://ritterim.com/blog/5-myths-about-selling-aca-health-plans/ 6 Reasons Insurance Agencies Selling Medicare Products Should Sell ACA: https://ritterim.com/blog/6-reasons-insurance-agencies-selling-medicare-products-should-sell-aca/ 8 Reasons Why Medicare Agents Should Sell ACA Plans:  https://ritterim.com/blog/8-reasons-why-medicare-agents-should-sell-aca-plans/   2024 Medicare Advantage & Part D Certification Info: https://ritterim.com/blog/2024-medicare-advantage-and-part-d-certification-info/ ACA Eligibility Application Attestation Live Call Script: https://ritterim.com/documents/aca-consumer-eligibility-application-attestation-live-call-script.pdf ACA Consumer Authorization Live Call Script: https://ritterim.com/documents/aca-consumer-eligibility-application-attestation-live-call-script.pdf Consumer Authorization Form FREE Printable PDF Download: https://ritterim.com/documents/aca-consumer-authorization-form-template.pdf Eligibility Application Attestation FREE Printable PDF Download: https://ritterim.com/documents/aca-eligibility-application-attestation.pdf Everything Agents Need to Know About Selling in State-Based Marketplaces: https://ritterim.com/blog/everything-agents-need-to-know-about-selling-in-state-based-marketplaces/ Everything You Need to Know About the ACA OEP: https://ritterim.com/blog/everything-you-need-to-know-about-the-aca-oep/ FAQs About ACA Certification and Training: https://ritterim.com/blog/faqs-about-aca-certification-and-training/ FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans: https://ritterim.com/blog/faqs-about-selling-on-exchange-off-exchange-under-65-plans/ How Much Can Agents Make Selling Under-65 Insurance: https://link.chtbl.com/ASG620 How to Ask Your Current Clients for Referrals: https://link.chtbl.com/ASG623 How to Assist Clients with Marketplace Household Income Estimates: https://link.chtbl.com/ASG602 How to Become Certified for ACA Marketplace Sales with Federally Facilitated Marketplace (FFM) Training: https://ritterim.com/blog/how-to-become-certified-for-aca-marketplace-sales-with-federally-facilitated-marketplace-ffm-training/ How to Help Clients Navigate ACA Marketplace Subsides & Taxes: https://link.chtbl.com/ASG579 Guiding Your Clients from the Marketplace to Medicare: https://link.chtbl.com/ASG510 Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ Simplify Marketplace Enrollments with HealthSherpa: https://ritterim.com/blog/simplify-marketplace-enrollments-with-healthsherpa/ The Complete Guide to Selling Affordable Care Act Insurance Plans FREE eBook: https://ritterim.com/aca-ebook/   The State of the ACA Market in 2024: https://link.chtbl.com/ASG610 What the Inflation Reduction Act Means for Your Medicare & ACA Clients: https://ritterim.com/blog/what-the-inflation-reduction-act-means-for-your-medicare-aca-clients/   References: “CMS.Gov Enterprise Portal.” CMS Enterprise Portal, www.portal.cms.gov/portal/. Accessed 2, Oct. 2024. “Health Insurance Marketplaces 2024 Open Enrollment Report.” CMS, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/health-insurance-exchanges-2024-open-enrollment-report-final.pdf. Accessed 2 Oct. 2024. Healthcare.Gov, Healthcare.gov, www.healthcare.gov/login. Accessed 2 Oct 2024. Nova, Annie. “How the Affordable Care Act Transformed Our Health-Care System.” CNBC, CNBC, 29 Dec. 2019, www.cnbc.com/2019/12/29/how-the-affordable-care-act-transformed-the-us-health-care-system.html. Accessed 2 Oct. 2024. “In-Person Assistance in the Health Insurance Marketplaces.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/in-person-assisters/programs-procedures/in-person-assistance. Accessed 2 Oct. 2024. Norris, Louise. “IRS Regulations Fix the ACA’s ‘family Glitch’ as of 2023.” Healthinsurance.Org, HealthInsurance.org, 26 June 2024, www.healthinsurance.org/obamacare/irs-regulations-fix-the-acas-family-glitch-as-of-2023/. Norris, Louise. “Is There a Penalty for Being Uninsured in 2024?” Verywell Health, Verywell Health, 9 Aug. 2024, www.verywellhealth.com/obamacare-penalty-for-being-uninsured-4132434. “New Agents’ and Brokers’ Guide to Plan Year 2025 Marketplace Registration and Training.” CMS, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/new-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 2 Oct. 2024. “Poverty Guidelines.” ASPE, ASPE, www.aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Accessed 2 Oct. 2024. “Yearly Guidelines & Thresholds | Coverage Year 2025.” Beyond the Basics, Health Reform Beyond the Basics, www.healthreformbeyondthebasics.org/wp-content/uploads/2024/08/REFERENCE_YearlyGuidelines_CY2025.pdf. Accessed 2 Oct. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  The Friday Five for October 18, 2024: Elevance to Require Paper Apps for 2025 MAPD PPO Plans in Most States Federal Trade Commission Announces “Click to Cancel” Rule New Apple iPad Mini & Amazon Kindle ColorSoft Impact of Medicare Part D Changes by State KFF 2025 Medicare Part D Snapshot Report   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Elevance Requires Paper Apps for 2025 MAPD PPO Plans in Most States: Elevance to Require Paper Apps for 2025 MAPD PPO Plans in Most States: https://ritterim.com/blog/elevance-to-require-paper-apps-for-2025-mapd-ppo-plans-in-most-states/   Federal Trade Commission Announces “Click to Cancel” Rule: Selyukh, Alina. “Canceling Subscriptions Has to Be as Easy as Signing up, FTC Says in a New Rule.” NPR, NPR, 16 Oct. 2024, www.npr.org/2024/10/16/nx-s1-5154814/click-to-cancel-subscriptions-memberships-ftc-rule. Solomon Ensor, Julia. “Click to Cancel: The FTC’s Amended Negative Option Rule and What It Means for Your Business.” FTC.Gov, Federal Trade Commission, 16 Oct. 2024, www.ftc.gov/business-guidance/blog/2024/10/click-cancel-ftcs-amended-negative-option-rule-what-it-means-your-business. “Federal Trade Commission Announces Final ‘Click-to-Cancel’ Rule Making It Easier for Consumers to End Recurring Subscriptions and Memberships.” FTC.Gov, Federal Trade Commission, 16 Oct. 2024, www.ftc.gov/news-events/news/press-releases/2024/10/federal-trade-commission-announces-final-click-cancel-rule-making-it-easier-consumers-end-recurring. “Rule Concerning Recurring Subscriptions and Other Negative Option Programs.” FTC.Gov, Federal Trade Commission, www.ftc.gov/system/files/ftc_gov/pdf/p064202_negative_option_rule.pdf. Accessed 16 Oct. 2024. “The FTC’s ‘Click to Cancel’ Rule.” FTC.Gov, Federal Trade Commission, 16 Oct. 2024, www.ftc.gov/system/files/ftc_gov/pdf/NegOptions-1page.pdf. Roth, Emma. “The FTC Is Finally Making It Easier to Cancel Your Gym Membership.” Theverge.Com, The Verge, 16 Oct. 2024, www.theverge.com/2024/10/16/24271649/ftc-click-to-cancel-subscriptions-final-rule. da Silva, João. “US ‘click to Cancel’ Rule to Tackle Subscription Traps.” BBC News, BBC, 17 Oct. 2024, www.bbc.com/news/articles/c07nlvmyl05o.   Apple iPad Mini & Amazon Kindle ColorSoft: “Apple Introduces Powerful New iPad Mini Built for Apple Intelligence.” Apple.Com, Apple, 15 Oct. 2024, www.apple.com/newsroom/2024/10/apple-introduces-powerful-new-ipad-mini-built-for-apple-intelligence/. Fried, Ina. “Amazon Debuts Color Screen Kindle, Updates Other e-Readers.” Axios.Com, Axios, 17 Oct. 2024, www.axios.com/2024/10/17/amazon-color-screen-kindle-e-reader-updates. Staff, Amazon. “Amazon Reveals First Color Kindle, New Kindle Scribe, and More.” Aboutamazon.Com, Amazon, 16 Oct. 2024, www.aboutamazon.com/news/devices/new-kindle-color-scribe-paperwhite-entry. “Amazon Reveals Its First Color Kindle E-Reader after Years of Development | Reuters.” Reuters.Com, Reuters, 16 Oct. 2024, www.reuters.com/technology/amazon-reveals-its-first-color-kindle-e-reader-after-years-development-2024-10-16/. LeClair, Dave. “IPad Mini 7 Unveiled with A17 Pro Chip - Release Date, Specs, Price and More.” Tomsguide.Com, Tom’s Guide, 15 Oct. 2024, www.tomsguide.com/tablets/ipads/ipad-mini-7-unveiled-with-a17-pro-chip-release-date-specs-price-and-more. Kennemer, Quentyn. “You Can Now Preorder the New iPad Mini.” Verge.Com, The Verge, 15 Oct. 2024, www.theverge.com/2024/10/15/24268182/ipad-mini-2024-preorder-how-to-buy-price-release-date.   Impact of Medicare Part D Changes by State: Bell, Allison. “11 Worst States for Medicare Drug Plan Menu Cuts.” Thinkadvisor.Com, ThinkAdvisor, 9 Oct. 2024, www.thinkadvisor.com/2024/10/09/11-worst-states-for-medicare-drug-plan-menu-cuts/.   2025 Medicare Part D Snapshot Report: Cubanski, Juliette. “A Current Snapshot of the Medicare Part D Prescription Drug Benefit.” KFF.Org, KFF, 9 Oct. 2024, www.kff.org/medicare/issue-brief/a-current-snapshot-of-the-medicare-part-d-prescription-drug-benefit/. Cubanski, Juliette. “Medicare Part D Premiums Are Increasing for Many but Not All Stand-Alone Plans in 2025, Reflecting Effects of New Premium Stabilization Demonstration.” KFF.Org, KFF, 7 Oct. 2024, www.kff.org/policy-watch/medicare-part-d-premiums-are-increasing-for-many-but-not-all-stand-alone-plans-in-2025-reflecting-effects-of-new-premium-stabilization-demonstration/.   Resources: A Review of Integrity's Top Medicare Quoting Tools: https://ritterim.com/blog/a-review-of-the-integrity-offered-medicare-quoting-software/ CMS Announces Medicare $2 Drug List Model RFI: https://link.chtbl.com/ASGF20241011 Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://link.chtbl.com/ASGB20241012 Cigna to Sell Medicare Business to HCSC: https://ritterim.com/blog/cigna-to-sell-medicare-business-to-hcsc/ How to Ask Your Current Clients for Referrals: https://link.chtbl.com/ASG623 Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ The 2025 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20241015 The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024 What CMS Requires Medicare Agents to Discuss Prior to Enrollments: https://ritterim.com/blog/what-cms-requires-medicare-agents-to-discuss-prior-to-enrollments/ When Do Med Supp Plans K, L, M, & N Make Sense? https://ritterim.com/blog/when-do-med-supp-plans-k-l-m-and-n-make-sense/   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Flip the script from disruption to opportunity! Ted Sims from Integrity Marketing Group joins Sarah to chat about how to prepare for potential Medicare beneficiary shopping as well as how agents can use Integrity tools to streamline work and save time.   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Register for Ted Sims' Plan N for the Win Webinar!   Resources: Ask Integrity Guide: https://learningcenter.tawebhost.com/Integrity-Getting-Started-Ask-Integrity.pdf Learn about Ask Integrity™: https://integrity.com/ask-integrity/  Learn more about PlanEnroll: https://ritterim.com/planenroll/ Integrity Learning Center: https://clients.integrity.com/learning-center Integrity Training Schedule: https://learningcenter.tawebhost.com/MedicareCENTER-Webinar-Schedule.pdf MedicareCENTER:https://integrity.com/medicarecenter/ Not partnered with Integrity? Register here: https://identity.integrity.com/register Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 Tech News Roundup: https://link.chtbl.com/ASGF20240927 What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005   References: Haubensak, Carrie. “2023 Medicare Supplement Loss Ratios by Plan.” CSG Actuarial, CSG Actuarial, csg-actuarial-wordpress.appspot.com/news/2023-medicare-supplement-loss-ratios-by-plan. Accessed 16 Oct. 2024. “2023 Minnesota Statutes.” Revisor.MN.Gov, Minnesota Office of the Revisor of Statutes, www.revisor.mn.gov/statutes/. Accessed 16 Oct. 2024. Feekin, Doug. “Average Medicare Supplement Rate Increases Lower in 2021.” CSG Actuarial, CSG Actuarial, 15 Sept. 2021, www.csgactuarial.com/news/average-medicare-supplement-rate-increases-lower-in-2021/. “Does Your Provider Accept Medicare as Full Payment?” Medicare.Gov, Medicare, www.medicare.gov/basics/costs/medicare-costs/provider-accept-Medicare. Accessed 16 Oct. 2024. “GA R&R - Guaranteed Issue for Eligible Persons.” Rules.Sos.GA.Gov, State of Georgia, rules.sos.ga.gov/GAC/120-2-8-.12?urlRedirected=yes&data=admin&lookingfor=120-2-8-.12. Accessed 16 Oct. 2024. “Health Care Practitioners Medicare Fee Control Act.” Legis.State.Pa.Us, PA General Assembly, 10 July 1990, www.legis.state.pa.us/WU01/LI/LI/US/PDF/1990/0/0081..PDF. “March 2023 Report to the Congress: Medicare Payment Policy.” MedPAC.Gov, Med Pac, 15 Mar. 2023, www.medpac.gov/document/march-2023-report-to-the-congress-medicare-payment-policy/. “Massachusetts Bulletin for People with Medicare.” Mass.Gov, Commonwealth of Massachusetts, https://www.mass.gov/doc/addendumpdf/download. Accessed 16 Oct. 2024. “Medicare Balance Billing Brochure.” ODH.Ohio.Gov, Ohio Department of Health, odh.ohio.gov/know-our-programs/medicare-balance-billing/resources/medicare-balance-billing-brochure. Accessed 16 Oct. 2024. “Medicare E-Visits.” Medicare.Gov, Medicare, www.medicare.gov/coverage/e-visits-0. Accessed 16 Oct. 2024. “Medicare Participating Physician or Supplier Agreement.” CMS.Gov, Centers for Medicare & Medicaid Services, 1 Nov. 2022, www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms460.pdf. “Medicare Participation Announcement.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/medicare-participation-announcement.pdf. Accessed 16 Oct. 2024. “Medigap Plan N Benefits & Costs 2024.” MedicareSupplement.Com, TZ Insurance Solutions, www.medicaresupplement.com/medigap/plans/n/?force_destination=c3cee4730cf2fe66. Accessed 16 Oct. 2024. “Medicare Supplement Insurance Minimum Standards.” Rules.Sos.Ri.Gov, Rhode Island Department of State, rules.sos.ri.gov/regulations/part/230-20-30-7. Accessed 16 Oct. 2024. “Medicare Supplement Insurance Minimum Standards Regulations.” Dfr.Vermont.Gov, State of Vermont Department of Financial Regulation, dfr.vermont.gov/reg-bul-ord/medicare-supplement-insurance-minimum-standards-regulations. Accessed 16 Oct. 2024. “Medicare Supplement Premium Rates – Looking to the Past and Planning for the Future.” GenRe.Com, Gen Re, 24 Oct. 2023, www.genre.com/us/knowledge/publications/2023/october/medicare-supplement-premium-rates-en. Noga, Russel. “Rate Increase History for Medigap Plans.” Medisupps.Com, Medisupps.com, 10 Jan. 2024, www.medisupps.com/rate-increase-history-for-medigap-plans/. Boccuti, Cristina. “Paying a Visit to the Doctor: Current Financial Protections for Medicare Patients When Receiving Physician Services.” KFF, KFF, 9 Jan. 2017, www.kff.org/medicare/issue-brief/paying-a-visit-to-the-doctor-current-financial-protections-for-medicare-patients-when-receiving-physician-services/. “Revised Questions and Answers Regarding Implementation of Medicare Supplement Plan N Copayment, Deductible and Coinsurance .” CMS.Gov, Centers for Medicare & Medicaid Services, 10 Apr. 2010, www.cms.gov/medicare/health-plans/medigap/medigap-news-email-updates-items/cms1234920. “Supplemental Insurance (Medigap) Plans in Georgia.” Medicare.Gov, Medicare, www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=13057&zip=30115&year=2025&lang=en. Accessed 16 Oct. 2024. Fuglesten Biniek, Jeannie, et al. “Traditional Medicare Spending Fell Almost 6% in 2020 as Service Use Declined Early in the COVID-19 Pandemic.” KFF, KFF, 1 June 2022, www.kff.org/medicare/issue-brief/traditional-medicare-spending-fell-almost-6-in-2020-as-service-use-declined-early-in-the-covid-19-pandemic/.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Do you have everything you’ll need for a full day of sales appointments? This small list of actionable to-dos can make a big impact on staying organized and stress-free this AEP!   Read the text version   Resources: 2025 Medicare Advantage and Medicare Part D Premiums: https://link.chtbl.com/ASGF20241004 Get started with MedicareCENTER: https://identity.integrity.com/register How to Prepare for AEP Like a Pro: https://ritterim.com/blog/how-to-prepare-for-aep-like-a-pro/ Learn more about Ask Integrity: https://www.askintegrity.com/ Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710   What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005   References: “5 Tips for Using a Cell Phone Car Charger.” Nonda.Co, Nonda, 21 June 2018, www.nonda.co/blogs/news/5-tips-for-using-a-cell-phone-car-charger. Nesmith, Meghan. “Clean IQ: What’s Really in Those Tide to Go Pens? And Why Don’t You Have to Rinse Them?” Apartment Therapy, Apartment Therapy, 3 May 2019, www.apartmenttherapy.com/tide-to-go-how-to-use-268453. Braverman, Jody. “What Are the Side Effects of Not Eating? | Livestrong.” LIVESTRONG.COM, Leaf Group, www.livestrong.com/article/134155-what-are-side-effects-not-eating/. Accessed 7 Oct. 2024. Naftulin, Julia. “What Is ‘Hangry’? Feeling Angry from Not Eating Is a Real Thing.” Health.Com, Health, 24 Sept. 2024, www.health.com/nutrition/what-is-hangry.   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Your client receives a letter saying they are ineligible for Marketplace Coverage. What can they do? Learn how to assist your clients with filing Marketplace eligibility appeals!    Read the text version     Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Myths About Selling ACA Health Plans: https://ritterim.com/blog/5-myths-about-selling-aca-health-plans/ Agent Requirements for ACA Sales: https://ritterim.com/blog/agent-requirements-for-aca-sales/ Everything Agents Need to Know About Selling in Sate-Based Marketplaces: https://ritterim.com/blog/everything-agents-need-to-know-about-selling-in-state-based-marketplaces/ Free eBooks & Guides: https://ritterim.com/guides/ How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://link.chtbl.com/ASG579/  Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ Register with Ritter: https://app.ritterim.com/public/registration/ Simplify Marketplace Enrollments with HealthSherpa: https://ritterim.com/blog/simplify-marketplace-enrollments-with-healthsherpa/   References: “Find Out What Marketplace Health Insurance Plans Cover.” HealthCare.Gov, Health Insurance Marketplace, www.healthcare.gov/coverage/what-marketplace-plans-cover/. Accessed 22 Aug. 2024. “What to Do If Your Marketplace Appeal Is ‘Invalid.’” Centers for Medicare & Medicaid, Health Insurance Marketplace, www.cms.gov/marketplace/outreach-and-education/marketplace-appeal-invalid.pdf. Accessed 22 Aug. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  This just in! Social Security announced the Cost of Living Adjustment for 2025. Get the official numbers and learn more about how the COLA increase impacts your clients.   Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Medicare Advantage and Medicare Part D Premiums: https://link.chtbl.com/ASGF20241004 CMS Announces Medicare $2 Drug List Model RFI: https://link.chtbl.com/ASGF20241011 Optimize Client Acquisition by Becoming a Registered Social Security Analyst ft. Tom Drapala: https://link.chtbl.com/2024TomDrapala Preparing Clients for the New Medicare Prescription Payment Plan Program: https://link.chtbl.com/ASG621 Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005   References: “Consumer Price Index - September 2024.” BLS.Gov, US Bureau of Labor & Statistics, 10 Oct. 2024, www.bls.gov/news.release/pdf/cpi.pdf. “Create Your Personal My Social Security Account Today.” SSA, Social Security Administration, www.ssa.gov/myaccount/. Accessed 11 Oct. 2024. Bogle, Darlynda. “How the Hold Harmless Provision Protects Your Benefits.” Blog.SSA.Gov, Social Security Administration, 19 Aug. 2024, blog.ssa.gov/how-the-hold-harmless-provision-protects-your-benefits/. “Social Security Cost of Living Adjustment.” SSA.Gov, Social Security Administration, 10 Oct. 2024, www.ssa.gov/cola/.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Your clients are a great resource to generate new leads. Happy and loyal clients will tell friends and family about your remarkable service. Find out how to build a referral network with current clients to grow your business!   Read the text version    Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: Building Client Loyalty: More Than Just a Plan: https://link.chtbl.com/ASG496 Generate Medicare Leads Using Marketing Materials from ShopRitterIM: https://ritterim.com/blog/generate-medicare-leads-using-marketing-materials-from-shopritterim/ How Insurance Agents Can Learn About Their Social Media Audience: https://ritterim.com/blog/how-insurance-agents-can-learn-about-their-social-media-audience/ Integrity Tools: https://ritterim.com/integrity-tools/ Register with Ritter: https://app.ritterim.com/public/registration/ Shop Ritter Insurance Marketing: https://shopritterim.com/ The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships FREE eBook: https://ritterim.com/insurance-affinity-partnerships/ The Insurance Agent’s Guide to Generating Referrals FREE eBook: https://ritterim.com/insurance-referral-generation/ The Ritter Blog: https://ritterim.com/blog/ Where It All Begins: Obtaining Permission to Contact for Medicare Sales: https://ritterim.com/blog/where-it-all-begins-obtaining-permission-to-contact-for-medicare-sales/     References: “Free Design Tool: Presentations, Video, Social Media | CANVA.” Canva, Canva, www.canva.com/. Accessed 31 July 2024. “Free Online Document Editing with Microsoft Word: Microsoft 365.” Free Online Document Editing with Microsoft Word | Microsoft 365, Microsoft, www.microsoft.com/en-us/microsoft-365/word. Accessed 25 Sept. 2024. “Global Trust in Advertising and Brand Messages.” Nielsen, The Nielsen Company, 21 July 2022, www.nielsen.com/insights/2012/global-trust-in-advertising-and-brand-messages-2/. Max Freedman. “Why Word of Mouth Beats Traditional Advertising.” Business News Daily, Business News Daily, 17 Jan. 2024, www.businessnewsdaily.com/2353-consumer-ad-trust.html. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 25 Sept. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  CMS recently announced changes that will affect Dual Eligible Special Needs Plans. Press play to learn how this affects you and your D-SNP clients for the upcoming plan year!   Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet: https://link.chtbl.com/ASG617R5 2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://link.chtbl.com/ASGN20240808 2025 Medicare Market Disruption Means Opportunity for Agents: https://ritterim.com/follow-medicare-changes/ 2025 Medicare Part D Redesign Updates: https://ritterim.com/blog/2025-medicare-part-d-redesign-updates/ CMS Announces Part D Savings & 2025 Maximum Fair Prices for First 10 Medicare-Negotiated Drugs: https://link.chtbl.com/ASG619R5 Get Your Portfolio Reviewed by Ritter: https://ritterim.com/portfolio/ Learn more about PlanEnroll: https://ritterim.com/planenroll/ The Beginner’s Guide to D-SNPs: https://ritterim.com/blog/the-beginners-guide-to-dsnps/ Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/ Ritter Fact Finder Free PDF Download: https://ritterim.com/documents/ritter-fact-finder.pdf   References: Barnette, Lindsay P. “Guidance for States Seeking to Leverage New ...” CMS, Centers for Medicare & Medicaid Services, 25 Aug. 2022, www.cms.gov/files/document/stateoppsintegratedcareprogs.pdf. Freed, Salama, et al. “10 Things to Know About Medicare Advantage Dual-Eligible Special Needs Plans (D-SNPs).” KFF, KFF, 9 Feb. 2024, www.kff.org/medicare/issue-brief/10-things-to-know-about-medicare-advantage-dual-eligible-special-needs-plans-d-snps/.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  The Friday Five for October 11, 2024: CMS Final Guidance on Round 2 of Medicare Drug Price Negotiations HHS Releases ACA Marketplace 2026 Proposed Rule Apple Intelligence Features Coming October 28? Setting the Record Straight on Cigna & HCSC CMS Announces Medicare $2 Drug List Model Request for Information   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   CMS Final Guidance on Round 2 of Medicare Drug Price Negotiations: “HHS Releases Final Guidance for Second Cycle of Historic Medicare Drug Price Negotiation Program.” CMS.Gov, Centers for Medicare & Medicaid Services, 2 Oct. 2024, www.cms.gov/newsroom/press-releases/hhs-releases-final-guidance-second-cycle-historic-medicare-drug-price-negotiation-program. “Medicare Drug Price Negotiation Program Final Guidance ...” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-drug-price-negotiation-program-ipay-2027-final-guidance-and-mfp-effectuation.pdf. Accessed 9 Oct. 2024.   HHS Releases ACA Marketplace 2026 Proposed Rule: Tong, Noah. “CMS Proposes Risk Adjustment Changes, Broker Fraud Crackdown for 2026 Plan Year.” Fierce Healthcare, Fierce Healthcare, 4 Oct. 2024, www.fiercehealthcare.com/payers/cms-proposes-risk-adjustment-changes-fraud-crackdown-and-more. “HHS Notice of Benefit and Payment Parameters for 2026 Proposed Rule.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Oct. 2024, www.cms.gov/newsroom/fact-sheets/hhs-notice-benefit-and-payment-parameters-2026-proposed-rule.   Apple Intelligence Features Coming October 28? Chen, Brian X. “Apple’s A.I. Is Landing Soon on iPhones. Here’s What It’s Like.” NYTimes.Com, The New York Times, 2 Oct. 2024, www.nytimes.com/2024/10/02/technology/personaltech/apple-intelligence-iphone.html. Clover, Juli. “Here Are All of the Apple Intelligence Features in IOS 18.1.” MacRumors, MacRumors, 8 Oct. 2024, www.macrumors.com/guide/ios-18-1-apple-intelligence/. Shakir, Umar. “Here’s What Your iPhone 16 Will Do with Apple Intelligence - Eventually.” The Verge, The Verge, 10 Sept. 2024, www.theverge.com/2024/9/10/24237714/apple-intelligence-generative-ai-features-update-schedule. Davis, Wes. “Your iPhone 16 May Get Its First Apple Intelligence Features Later This Month.” The Verge, The Verge, 6 Oct. 2024, www.theverge.com/2024/10/6/24263398/ios-18-iphone-16-apple-intelligence-coming-october-update-ai-notification-summaries.   Setting the Record Straight on Cigna & HCSC: “CIGNA Healthcare Offers Medicare Customers Value, Stability and Choice with 2025 Plans.” Cigna Healthcare Newsroom, Cigna, 1 Oct. 2024, newsroom.cigna.com/cigna-healthcare-medicare-2025-plans. Minemyer, Paige. “Cigna Inks Deal to Sell Medicare Business to HCSC for $3.7B.” Fierce Healthcare, Fierce Healthcare, 31 Jan. 2024, www.fiercehealthcare.com/payers/cigna-inks-deal-sell-medicare-business-hcsc-37b-deal. “HCSC Agrees to Acquire Medicare Businesses and CareAllies from Cigna.” HCSC Agrees to Acquire Medicare Businesses and CareAllies from Cigna, Health Care Service Corporations (HCSC), 31 Jan. 2024, www.hcsc.com/newsroom/news-releases/2024/agreement-acquire-cigna-medicare-careallies-businesses.   CMS Announces Medicare $2 Drug List Model Request for Information: “Biden-Harris Administration Takes Next Step on Proposed Model to Lower Prescription Drug Costs for People with Medicare.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Oct. 2024, www.cms.gov/newsroom/press-releases/biden-harris-administration-takes-next-step-proposed-model-lower-prescription-drug-costs-people. Fowler, Liz, and Vino Mitta. “CMS Innovation Center’s One-Year Update on the Executive Order to Lower Prescription Drug Costs for Americans.” CMS.Gov, Centers for Medicare & Medicaid Services, 11 Oct. 2023, www.cms.gov/blog/cms-innovation-centers-one-year-update-executive-order-lower-prescription-drug-costs-americans. “Executive Order on Lowering Prescription Drug Costs for Americans.” The White House, The United States Government, 14 Oct. 2022, www.whitehouse.gov/briefing-room/presidential-actions/2022/10/14/executive-order-on-lowering-prescription-drug-costs-for-americans/. “Medicare Two Dollar Drug List Model.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/priorities/innovation/innovation-models/medicare-two-dollar-drug-list-model. Accessed 9 Oct. 2024. “Medicare $2 Drug List Model - Request for Information (RFI) - Responses Due December 9, 2024.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/priorities/innovation/files/x/newdirection-rfi.pdf. Accessed 9 Oct. 2024.   Resources: 2025 Medicare Advantage and Medicare Part D Premiums: https://link.chtbl.com/ASGF20241004 Cigna to Sell Medicare Business to HCSC: https://ritterim.com/blog/cigna-to-sell-medicare-business-to-hcsc Key Changes for ACA Open Enrollment 2025 ft. Ross Baker from HealthSherpa: https://link.chtbl.com/ASG2024RossBaker Preparing Clients for the New Medicare Prescription Payment Plan Program: https://link.chtbl.com/ASG621 Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710 Webinars & Events: https://ritterim.com/events/ What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Find movie and TV streaming services that fit your budget. Join Tina as she reviews free and wallet-friendly streaming apps. Plex: https://www.plex.tv/ Tubi: https://tubitv.com/ Kanopy: https://www.kanopy.com/en PBS Kids: https://pbskids.org/ YouTube Movies & TV: https://www.youtube.com/feed/storefront   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: Agent’s Guide to Social Media Communication Resources: https://link.chtbl.com/ASG606 Apps to Create a Dumb Phone: https://link.chtbl.com/ASGA65 How to Create a Google Business Profile: https://link.chtbl.com/ASG614 LinkedIn Basics for Insurance Agents: https://link.chtbl.com/ASG612   References: “Meet Your TV Concierge.” Plex, 3 Sept. 2024, www.plex.tv/. “Movies and Shows.” YouTube, YouTube, www.youtube.com/feed/storefront. Accessed 23 Sept. 2024. “PBS Kids.” PBS KIDS, www.pbskids.org/. Accessed 23 Sept. 2024. “Stream Classic Cinema, Indie Film and Top Documentaries.” Kanopy, www.kanopy.com/en. Accessed 23 Sept. 2024. “Watch Free TV & Movies Online: Stream Full Length Videos.” Tubi, www.tubitv.com/. Accessed 23 Sept. 2024. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Discover what's new for the ACA Market in PY 2025. HealthSherpa's Ross Baker joins Sarah to discuss changes and updates for the upcoming Open Enrollment Period.   Read the text version   Mentioned in this episode: HealthSherpa Official Site: https://www.healthsherpa.com/agents/features   Follow HealthSherpa on Social: Facebook: https://www.facebook.com/healthsherpas/ Instagram: https://www.instagram.com/healthsherpas/ LinkedIn: https://www.linkedin.com/company/healthsherpa/ X: https://x.com/healthsherpas YouTube: https://www.youtube.com/@Healthsherpas    Additional Ritter Resources: How Much Can Agents Make Selling Under-65 Insurance: https://link.chtbl.com/ASG620 Simplify Marketplace Enrollments with HealthSherpa: https://ritterim.com/blog/simplify-marketplace-enrollments-with-healthsherpa/ Steps to Get Ready for OEP: Federal & State Exchanges: https://link.chtbl.com/ASG6215 The Complete Guide to Selling Affordable Care Act Insurance Plans: https://ritterim.com/aca-ebook/   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

  You’ve likely heard that this AEP is going to be challenging. That might be true, but we like to help agents thrive under pressure. Don’t miss our list of ways to keep calm and carry on selling through this annual enrollment period – challenging or otherwise!   Have questions? Send them our way for answers! Email [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Helpful Podcasts for Busy Insurance Agents: https://ritterim.com/blog/4-helpful-podcasts-for-busy-insurance-agents/ Celebrating Every Step of the Process: https://link.chtbl.com/ASGM10242022 Creating Margin & Taking Back Control of Your Time: https://link.chtbl.com/ASGM20230130 How to Take on an Upset Client in the Insurance Industry: https://ritterim.com/blog/how-to-take-on-an-upset-client-in-the-insurance-industry/ Integrity “Inspire” Podcast: https://integrity.com/inspire/ The Best Books for Insurance Agents: https://link.chtbl.com/ASG590 The Power of Listening & Laughter: https://link.chtbl.com/ASGM20230306 Tips on Dealing with a Difficult Client: https://ritterim.com/blog/tips-on-dealing-with-a-difficult-client/   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  We’re hitting rewind on one of our favorite podcast interviews! Join Sarah as she chats with Luke Acree and Andrew Saksa from ReminderMedia. You’ll learn how to combine passive and proactive marketing, explore relationship marketing, and so much more!      Already a Ritter Agent? Sign up with ReminderMedia! Not a Ritter Agent? Get more information on getting started with Ritter & ReminderMedia! Register for your FREE RitterIM.com account   Mentioned in this episode: Be Advised – Building Relationships Through Magazines with Andrew Saksa (Ep. 48): https://podcasts.apple.com/us/podcast/building-relationships-through-magazines-with-andrew/id1522693623?i=1000568108877 Ritter & ReminderMedia Partnerships Offers Agents New Marketing Solutions: https://ritterim.com/blog/ritter-and-remindermedia-partnership-offers-agents-new-marketing-solutions/  Stay Paid Podcast: https://remindermedia.com/podcast/ The Ed Mylett Show: https://www.edmylett.com/podcast The Game with Alex Hormozi: https://podcasts.apple.com/us/podcast/the-game-w-alex-hormozi/id1254720112 The Tim Feriss Show: https://tim.blog/podcast/   Follow ReminderMedia on Social:   Facebook: https://www.facebook.com/ReminderMedia Instagram: https://www.instagram.com/remindermedia/ LinkedIn: https://www.linkedin.com/company/remindermedia/posts/?feedView=all X: https://twitter.com/remindermedia YouTube: https://www.youtube.com/remindermedia Andrew Saksa on Instagram: https://www.instagram.com/saksa13/ Luke Acree on Instagram: https://www.instagram.com/lukeacree/   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance      Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

  Carriers not paying commissions on PDP business? We understand the frustration! Listen for ideas on how to move forward while still serving the best interests of your clients.   Read the text version   Claim your free portfolio review with Ritter!   Resources: 2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://ritterim.com/blog/2025-maximum-broker-commissions-for-medicare-advantage-and-medicare-part-d/ 2025 Medicare Market Disruption Means Opportunity for Agents: https://ritterim.com/follow-medicare-changes/ 4 Ways PlanEnroll Will Make This Your Best AEP Yet: https://link.chtbl.com/ASG617R5 A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://ritterim.com/selling-ancillary-with-medicare/ Find and contact your dedicated sales specialist here at Ritter: https://ritterim.com/meet-your-sales-team/ How to Ask Your Current Clients for Referrals: https://ritterim.com/blog/how-to-ask-your-current-clients-for-referrals/ How Much Money Can Agents Make Selling Ancillary Health Insurance? https://ritterim.com/blog/how-much-money-can-agents-make-selling-ancillary-health-insurance/ Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/   Signs It's Time to Expand Your Insurance Portfolio & Make the Move! https://link.chtbl.com/ASG605 The Advisor Approach: Cross-Selling by Fact-Finding: https://link.chtbl.com/ASG587 The Complete Guide on How to Sell Medicare Advantage Plans: https://ritterim.com/medicare-advantage-ebook/ The Insurance Agent’s Guide to Generating Referrals: https://ritterim.com/insurance-referral-generation/ Why Being a Likable Agent Is Good for Your Business: https://ritterim.com/blog/why-being-a-likable-agent-is-good-for-your-business/   References: “Agent Broker Compensation.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-marketing-guidelines/agent-broker-compensation. Accessed 7 Oct. 2024. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. Freed, Meredith, et al. “Medicare Advantage in 2024: Enrollment Update and Key Trends.” KFF, KFF, 8 Aug. 2024, www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-enrollment-update-and-key-trends/. Kelly, Susan. “Most Medicare Advantage Enrollees like Their Plans, Survey Finds.” Healthcaredive.Com, Healthcare Dive, 14 June 2022, www.healthcaredive.com/news/most-medicare-advantage-enrollees-like-plans-ehealth/625429/.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

  The Friday Five for October 4, 2024: KFF Study on Medicare Beneficiaries’ Tendency to Shop Ritter’s First Annual ACA Summit Agent Reaction to MedicareCENTER & Upcoming Webinar Instagram Best Practices & New Pro Dashboard Features 2025 Medicare Advantage and Medicare Part D Premiums   KFF Study on Medicare Beneficiaries’ Tendency to Shop: Ochieng, Nancy, et al. “Nearly 7 in 10 Medicare Beneficiaries Did Not Compare Plans during Medicare’s Open Enrollment Period.” KFF, KFF, 27 Sept. 2024, www.kff.org/medicare/issue-brief/nearly-7-in-10-medicare-beneficiaries-did-not-compare-plans-during-medicares-open-enrollment-period/.   Ritter’s First Annual ACA Summit: Register to Attend the Inaugural ACA Summit   Agent Reaction to MedicareCENTER & Upcoming Webinar: Learn more about MedicareCENTER: https://integrity.com/medicarecenter/ Register to Attend: Sales Tech Train & Talk - Understanding MedicareCENTER   Instagram Best Practices & New Pro Dashboard Features: “About the Instagram Professional Dashboard.” Help.Instagram.Com, Instagram, help.instagram.com/257516379077270. Accessed 3 Oct. 2024. “How Can I Check My Account Type on Instagram?” SocialBu Help, SocialBu, help.socialbu.com/article/331-how-can-i-check-my-account-type-on-instagram. Accessed 3 Oct. 2024. Sato, Mia. “Instagram’s ‘Best Practices’ Tell Creators How They Should Post.” The Verge, The Verge, 1 Oct. 2024, www.theverge.com/2024/10/1/24259462/instagram-best-practices-business-profiles-tips-reach. “Introducing Best Practices, an Education Hub for Creators on Instagram.” Abaout.Fb.Com, Meta, 30 Sept. 2024, about.fb.com/news/2024/10/best-practices-education-hub-creators-instagram/. “Instagram Creator Education: Best Practices.” Instagram for Creators, Instagram, creators.instagram.com/best-practices#instagram. Accessed 3 Oct. 2024. Instagram Creators Account, Meta, www.instagram.com/creators/. Accessed 3 Oct. 2024.   2025 Medicare Advantage and Medicare Part D Premiums: “Medicare Advantage and Medicare Prescription Drug Programs to Remain Stable as CMS Implements Improvements to the Programs in 2025.” CMS.Gov, Centers for Medicare & Medicaid Services, 27 Sept. 2024, www.cms.gov/newsroom/fact-sheets/medicare-advantage-and-medicare-prescription-drug-programs-remain-stable-cms-implements-improvements. Freed, Meredith, et al. “Medicare Advantage in 2024: Enrollment Update and Key Trends.” KFF, KFF, 8 Aug. 2024, www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-enrollment-update-and-key-trends/. “Medicare Enrollment for June 2024.” Data.CMS.Gov, Centers for Medicare & Medicaid Services Data, data.cms.gov/tools/medicare-enrollment-dashboard. Accessed 2 Oct. 2024. “Medicare Monthly Enrollment.” Data.CMS.Gov, Centers for Medicare & Medicaid Services Data, data.cms.gov/summary-statistics-on-beneficiary-enrollment/medicare-and-medicaid-reports/medicare-monthly-enrollment. Accessed 2 Oct. 2024.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet: https://link.chtbl.com/ASG617R5 Best Video Editing Apps for Social Media: https://link.chtbl.com/ASGA69 Get Your Medicare Advantage Sales Contracts Here — Recommendations for 2025: https://ritterim.com/blog/get-your-medicare-advantage-sales-contracts-here-recommendations-for-2025/ Prescription Drugs Your Medicare Clients Could See Lower Coinsurances for in 2024: https://ritterim.com/blog/prescription-drugs-your-medicare-clients-could-see-lower-coinsurances-for-in-2024/ Tech News Roundup: https://link.chtbl.com/ASGF20240927   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Under CMS regulations, agents are considered Third-Party Marketing Organizations. We’ve got the FAQs to keep you informed!   Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: CMS’ New Definition of Marketing & How It Affects Agents Selling Medicare Plans: https://link.chtbl.com/ASGN20230515B Do’s and Don’ts of Medicare Compliance: https://link.chtbl.com/ASG542 How to Host a Successful Medicare Sales Event FREE eBook Direct Download: https://ritterim.com/documents/how-to-host-a-successful-medicare-sales-event.pdf How to Host a Successful Medicare Educational Event FREE eBook Direct Download: https://ritterim.com/documents/the-complete-guide-on-how-to-host-an-educational-event.pdf Rules for Hosting a Compliant Medicare Educational Event: https://link.chtbl.com/ASG540 Rules for Hosting a Compliant Medicare Sales Event: https://link.chtbl.com/ASG541 What Not to Say During Medicare Educational and Sales Events: https://link.chtbl.com/ASG476 The Ritter Compliance Program – Ritter Docs: https://docs.ritterim.com/compliance/compliance-at-ritter/   References: “CMS Issues New Rule Limiting Third-Parties Who Conduct Medicare Advantage Marketing: Perspectives: Reed Smith LLP.” Reed Smith, 6 June 2022, www.reedsmith.com/en/perspectives/2022/06/cms-issues-new-rule-limiting-thirdparties. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. “Medicare Communications and Marketing Guidelines...” Center of Medicare and Medicaid, 9 Feb. 2022, www.cms.gov/files/document/medicare-communications-and-marketing-guidelines-3-16-2022.pdf. “Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs...” Federal Register, http://www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 5 Sept. 2024 “Title 42 Chapter IV Subchapter B Part 422 Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 5 Sept. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Agents and agencies are considered Third-Party Marketing Organizations (TPMOs) by CMS. Listen to learn about marketing guidelines and how to stay compliant!    Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: CMS’ New Definition of Marketing & How It Affects Agents Selling Medicare Plans: https://link.chtbl.com/ASGN20230515B Do’s and Don’ts of Medicare Compliance: https://link.chtbl.com/ASG542 How to Host a Successful Medicare Sales Event FREE eBook Direct Download: https://ritterim.com/documents/how-to-host-a-successful-medicare-sales-event.pdf How to Host a Successful Medicare Educational Event FREE eBook Direct Download: https://ritterim.com/documents/the-complete-guide-on-how-to-host-an-educational-event.pdf Rules for Hosting a Compliant Medicare Educational Event: https://link.chtbl.com/ASG540 Rules for Hosting a Compliant Medicare Sales Event: https://link.chtbl.com/ASG541 What Not to Say During Medicare Educational and Sales Events: https://link.chtbl.com/ASG476 The Ritter Compliance Program – Ritter Docs: https://docs.ritterim.com/compliance/compliance-at-ritter/   References: “CMS Issues New Rule Limiting Third-Parties Who Conduct Medicare Advantage Marketing: Perspectives: Reed Smith LLP.” Reed Smith, 6 June 2022, www.reedsmith.com/en/perspectives/2022/06/cms-issues-new-rule-limiting-thirdparties. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. “Medicare Communications and Marketing Guidelines...” Center of Medicare and Medicaid, 9 Feb. 2022, www.cms.gov/files/document/medicare-communications-and-marketing-guidelines-3-16-2022.pdf. “Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs...” Federal Register, www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 5 Sept. 2024. “Title 42 Chapter IV Subchapter B Part 422 Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 5 Sept. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/  

  Learn more about the new Medicare prescription payment plan program ahead of the 2025 Annual Enrollment Period. Get the information you need now so you can answer client questions this AEP!   Read the text version   Resources: 5 Things About the Medicare Prescription Payment Plan: https://link.chtbl.com/ASGF20240726 Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/ The Complete Guide on How to Sell Prescription Drug Plans: https://ritterim.com/pdp-ebook/ What the Inflation Reduction Act Means for Your Medicare & ACA Clients: https://ritterim.com/blog/what-the-inflation-reduction-act-means-for-your-medicare-aca-clients/   References: “Fact Sheet: Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare and Medicaid Services, www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf Accessed 23 August 2024. “Fact Sheet: Medicare Prescription Payment Plan Final Part One Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-one-guidance.pdf Accessed 23 August 2024. “Fact Sheet: Medicare Prescription Payment Plan Final Part Two Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-two-guidance.pdf. Accessed 23 August 2024.  Cottrill, Alex, et al. “Income and Assets of Medicare Beneficiaries in 2023.” KFF, KFF, 9 Feb. 2024, www.kff.org/medicare/issue-brief/income-and-assets-of-medicare-beneficiaries-in-2023/. “Inflation Reduction Act and Medicare.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare Accessed 23 August 2024. Cubanski, Juliette, and Anthony Damico. “Medicare Part D in 2024: A First Look at Prescription Drug Plan Availability, Premiums, and Cost Sharing.” KFF, KFF, 8 Nov. 2023, www.kff.org/medicare/issue-brief/medicare-part-d-in-2024-a-first-look-at-prescription-drug-plan-availability-premiums-and-cost-sharing/. “Medicare Prescription Payment Plan Implementation Timeline.” CMS.Gov, Centers for Medicare & Medicaid Services, 1 July 2024, www.cms.gov/files/document/medicare-prescription-payment-plan-timeline.pdf Seshamani, Meena. “Medicare Prescription Payment Plan Draft Part Two Guidance” CMS.Gov, Centers for Medicare & Medicaid Services, 15 Feb. 2024, www.cms.gov/files/document/medicare-prescription-payment-plan-draft-part-two-guidance.pdf  Seshamani, Meena. “Medicare Prescription Payment Plan Part 1 Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Aug. 2023, www.cms.gov/files/document/medicare-prescription-payment-plan-part-1-guidance.pdf  “Welcome to Medicare.” Medicare, Centers for Medicare & Medicaid Services, www.medicare.gov/. Accessed 23 Aug. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

    The Friday Five for September 27, 2024: The Ritter Report & Ask Integrity Shoppers Spotify AI Playlists in Beta for U.S. Premium Accounts Hands-On with Apple iPhone 16 Pro Meta Ray-Ban Smart Glasses Update & New Frames Self-Care Tips for Agents During AEP   The Ritter Report & Ask Integrity Shoppers: Learn about Ask Integrity™: https://integrity.com/ask-integrity/  Learn more about PlanEnroll: https://ritterim.com/planenroll/ MedicareCENTER: https://integrity.com/medicarecenter/ Not partnered with Integrity? Register here: https://identity.integrity.com/register Register for The Ritter Report Call: https://bit.ly/4dltNfa   Spotify AI Playlists in Beta for U.S. Premium Accounts: “Ai Playlist Is Rolling out in Beta in the US, Canada, Ireland, and New Zealand-Get Started with These pro Tips.” Spotify, Spotify, 24 Sept. 2024, newsroom.spotify.com/2024-09-24/ai-playlist-expanding-usa-canada-ireland-new-zealand/. Shanklin, Will. “Spotify’s AI Playlists Are Rolling out for Premium Users in the US.” Engadget, Engadget, 24 Sept. 2024, www.engadget.com/ai/spotifys-ai-playlists-are-now-available-for-premium-users-in-the-us-130008423.html. Weatherbed, Jess. “Spotify’s AI Playlist Builder Is Now Available in the US.” The Verge, The Verge, 24 Sept. 2024, www.theverge.com/2024/9/24/24252971/spotify-ai-playlist-builder-beta-available-us-canada.   Hands-On with Apple iPhone 16 Pro: “iPhone - Compare Models.” Apple, Apple, www.apple.com/iphone/compare/?modelList=iphone-16-pro-max%2Ciphone-14-pro-max. Accessed 25 Sept. 2024. “iPhone 16 Pro and iPhone 16 Pro Max.” Apple, Apple, www.apple.com/iphone-16-pro/. Accessed 25 Sept. 2024.   Meta Ray-Ban Smart Glasses Update & New Frames: “Discover Ray-Ban | Meta Smart Glasses: Specs & Features | Ray-Ban® US.” Ray-Ban.Com, Ray-Ban, www.ray-ban.com/usa/discover-ray-ban-meta-smart-glasses/clp. Accessed 26 Sept. 2024. “Ray-Ban Meta Smart Glasses.” Meta, MEta, www.meta.com/smart-glasses. Accessed 26 Sept. 2024. Shakir, Umar. “The Biggest News from Meta Connect 2024.” The Verge, The Verge, 25 Sept. 2024, www.theverge.com/24254101/meta-connect-2024-announcements-products.   Rueppel Recommends: ComicBook. “Disney+: Every Movie and TV Show Arriving in October 2024.” Comicbook.Com, Comicbook.com, 19 Sept. 2024, comicbook.com/tv-shows/news/disney-plus-streaming-movies-tv-shows-new-october/#18. Ridgely, Charlie. “Everything Coming to Hulu in October 2024.” Comicbook.Com, Comicbook.com, 22 Sept. 2024, comicbook.com/tv-shows/news/hulu-streaming-october-2024-new-movies-tv-shows/#20. Ridgely, Charlie. “Netflix: Every Movie and TV Show Arriving in October 2024.” Comicbook.Com, Comicbook.com, 25 Sept. 2024, comicbook.com/tv-shows/news/netflix-october-2024-new-movies-tv-shows-streaming/. “Scamanda.” Apple Podcasts, Lionsgate Sound, podcasts.apple.com/us/podcast/scamanda/id1685691481. Accessed 26 Sept. 2024. “Scamanda.” Spotify, Lionsgate Sound, open.spotify.com/show/3UNxeZPD5fDSzm26mqTjgc. Accessed 26 Sept. 2024.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet: https://link.chtbl.com/ASG617R5 Apps for Tracking Business Expenses: https://link.chtbl.com/ASGA67 Are You Self-Sabotaging Your Insurance Sales Success? https://link.chtbl.com/ASG616 Ask ASG Mailbag: Send Us Your Questions: https://link.chtbl.com/ASGF20240920 What Today's Financial Environment Means for Medicare Beneficiaries & Agents: https://link.chtbl.com/ASG618   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  Create eye-catching content for your social media audience with these video editing apps.    CapCut Official Website: https://www.capcut.com/ YouCut – The App Store: https://apps.apple.com/us/app/youcut-ai-video-editor/id1620499741 YouCut – Play Store: https://play.google.com/store/apps/details?id=com.camerasideas.trimmer&hl=en_US   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: Affinity Partnerships for Insurance Agents: https://ritterim.com/blog/affinity-partnerships-for-insurance-agents/ Are Your Medicare Marketing Materials Compliant? https://ritterim.com/blog/are-your-medicare-marketing-materials-compliant/ Best Practices for Video Calls: https://link.chtbl.com/ASG597 How to Create a Google Business Profile: https://link.chtbl.com/ASG614 LinkedIn Basics for Insurance Agents: https://link.chtbl.com/ASG612 Social Media Marketing for Insurance Agents FREE eBook download: https://ritterim.com/social-media-ebook/ TikTok Basics for Insurance Agents: https://link.chtbl.com/ASG603   References: “Adobe Premiere Rush.” Adobe, www.adobe.com/products/premiere-rush.html. Accessed 30 Aug. 2024. “CapCut Commerce Pro: Shoppable Content Creation Made Easy.” CapCut Commerce Pro, www.commercepro.capcut.com/. Accessed 30 Aug. 2024. “CapCut No Watermark Tutorial: How to Remove Watermark in CapCut.” Capcut.Com, www.capcut.com/resource/capcut-no-watermark. Accessed 30 Aug. 2024. “Free Design Tool: Presentations, Video, Social Media | CANVA.” Canva, www.canva.com/. Accessed 30 Aug. 2024. “YouTube Audio Library.” YouTube, www.youtube.com/audiolibrary. Accessed 30 Aug. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

    If you want to be ready-to-sell by the ACA Open Enrollment Period, you’ll want to listen! Review our checklist of steps to help you get certified, organized, and ready to serve clients.   Read the text version   Download the OEP Ready-to-Sell Checklist: https://ritterim.com/documents/oep-ready-to-sell-checklist.pdf     Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Tips for Finding Supplemental Coverage for ACA Plans: https://ritterim.com/blog/5-tips-for-finding-supplemental-coverage-for-aca-plans/   2024 ACA Exchange & FFM Certification Info: https://ritterim.com/blog/2024-aca-exchange-ffm-certification-info/ Carriers Partnered with Ritter: https://ritterim.com/products/by-carrier/ Community Engagement & ACA Marketing Suggestions for Agents: https://ritterim.com/blog/community-engagement-aca-marketing-suggestions-for-agents/ Contract & Get Appointed to Sell with Health Insurance Companies: https://ritterim.com/blog/contract-get-appointed-to-sell-with-health-insurance-companies/ Digital Marketing for Insurance Agents: Our Top Tips to Boost Business: https://ritterim.com/blog/digital-marketing-for-insurance-agents-our-top-tips-to-boost-business/ Everything Agents Need to Know About Selling in State-Based Marketplaces: https://ritterim.com/blog/everything-agents-need-to-know-about-selling-in-state-based-marketplaces/ FAQs About ACA Certification and Training: https://link.chtbl.com/ASG532 Five Ways to Generate ACA Leads: https://ritterim.com/blog/five-ways-to-generate-aca-leads/ How to Become Certified for ACA Marketplace Sales with Federally Facilitated Marketplace (FFM) Training: https://ritterim.com/blog/how-to-become-certified-for-aca-marketplace-sales-with-federally-facilitated-marketplace-ffm-training/ Knight School Training: https://ritterim.com/knight-school/ Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ Questions to Ask Clients Shopping for an ACA Plan:  https://link.chtbl.com/ASG615 Register with Ritter: https://app.ritterim.com/public/registration/ Ritter Events Calendar: https://ritterim.com/events/ Surviving OEP: https://ritterim.com/oep/ The Agent Survival Guide Podcast: https://ritterim.com/podcast/ The Complete Guide to Selling Affordable Care Act Insurance Plans FREE eBook: https://ritterim.com/aca-ebook/ The Ritter Blog: https://ritterim.com/blog/ The Ritter Platform: https://app.ritterim.com/ Under-65 Health Products: https://ritterim.com/products/under-65/   References: “Agents and Brokers.” Virginia SCC - Agents and Brokers, www.scc.virginia.gov/pages/Agents-and-Brokers. Accessed 4 Sept. 2024. “CMS.Gov Enterprise Portal.” CMS Enterprise Portal, portal.cms.gov/portal/. Accessed 4 Sept. 2024. “Connecting Pennsylvanians to Health Coverage.” Pennie, https://pennie.com/. Accessed 4 Sept. 2024. “FFM Agent Broker Registration and Termination Status Page.” Data.Healthcare.Gov, https://data.healthcare.gov/ffm_ab_registration_lists. Accessed 4 Sept. 2024. “Find out How Much Insurance May Cost.” Get Covered New Jersey, nj.gov/getcoverednj/. Accessed 4 Sept. 2024. “Help on Demand: Training and Registration Guide.” CMS.Gov, https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/Help-On-Demand-Training-Registration-Guide.pdf.  Accessed 4 Sept. 2024 “Local Assistance for Health Insurance Application.” HealthCare.Gov, localhelp.healthcare.gov/. Accessed 4 Sept. 2024. “Maryland Health Connection.” Maryland Health Connection, 27 July 2024, www.marylandhealthconnection.gov/. “Registration and Training for Marketplace Agents and Brokers.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/agents-brokers/registration-training. Accessed 4 Sept. 2024. “Returning Agents’ and Brokers’ Guide to Plan Year 2025 ...” CMS.Gov, Center for Medicare & Medicaid, www.cms.gov/files/document/returning-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 4 Sept. 2024. “The Marketplace in Your State.” HealthCare.Gov, www.healthcare.gov/marketplace-in-your-state/. Accessed 4 Sept. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  If you’re on the fence about adding ACA plans to your portfolio, let this episode be a sign to take action! Discover how much you could make selling Affordable Care Act plans.     Read the text version    Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources 5 Myths About Selling ACA Health Plans: https://ritterim.com/blog/5-myths-about-selling-aca-health-plans/ CMS Rules ACA Broker Commissions for SEP & OEP Sales Must Be Equal: https://ritterim.com/blog/cms-rules-aca-broker-commissions-for-sep-oep-sales-must-be-equal/ How Agents Can Protect Clients from Unauthorized ACA Plan Switching: https://ritterim.com/blog/how-agents-can-protect-clients-from-unauthorized-aca-plan-switching/ How Insurance FMOs Work FREE eBook: https://ritterim.com/how-insurance-fmos-work/ Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ Register with Ritter: https://app.ritterim.com/public/registration/ State of the ACA Market in 2024: https://link.chtbl.com/ASG610 Under-65 Carriers Ritter Docs: https://docs.ritterim.com/products/under-65-health/ What Are Insurance Hierarchies & How Do They Work? https://link.chtbl.com/ASG517   References: “FAQ Agent Broker Compensation and Guaranteed Availability of Coverage.” CMS, Centers for Medicare & Medicaid, www.cms.gov/files/document/agent-broker-compensation-and-guaranteed-availability-coverage.pdf. Accessed 27 Aug. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

  The first round of Medicare Part D negotiated drug prices is here! Find out which prescriptions are included and the savings your clients can see beginning in CY 2026!   Read the text version   Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Update: https://link.chtbl.com/ASGN20240808 CMS Announces First 10 Drugs for Medicare Drug Price Negotiation: https://ritterim.com/blog/cms-announces-first-10-drugs-for-medicare-drug-price-negotiation/ CMS Announces 2025 Part D Bid & Premium Stabilization Demonstration Program: https://link.chtbl.com/ASGF20240809 Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/ What the Inflation Reduction Act Means for Your Medicare & ACA Clients: https://ritterim.com/blog/what-the-inflation-reduction-act-means-for-your-medicare-aca-clients/   References: “Fact Sheet: Biden-Harris Administration Announces New, Lower Prices for First Ten Drugs Selected for Medicare Price Negotiation to Lower Costs for Millions of Americans.” The White House, The United States Government, 15 Aug. 2024, www.whitehouse.gov/briefing-room/statements-releases/2024/08/15/fact-sheet-biden-harris-administration-announces-new-lower-prices-for-first-ten-drugs-selected-for-medicare-price-negotiation-to-lower-costs-for-millions-of-americans/. “Fact Sheets Medicare Drug Price Negotiation Program: Negotiated Prices for Initial Price Applicability Year 2026.” CMS.Gov, Centers for Medicare & Medicaid Services, 15 Aug. 2024, www.cms.gov/newsroom/fact-sheets/medicare-drug-price-negotiation-program-negotiated-prices-initial-price-applicability-year-2026. Seshamani, Meena. “Medicare Drug Price Negotiation Program: Draft Guidance, Implementation of Sections 1191 – 1198 of the Social Security Act for Initial Price Applicability Year 2027 and Manufacturer Effectuation of the Maximum Fair Price (MFP) in 2026 and 2027.” CMS.Gov, Centers for Medicare & Medicaid Services, 3 May 2024, www.cms.gov/files/document/medicare-drug-price-negotiation-draft-guidance-ipay-2027-and-manufacturer-effectuation-mfp-2026-2027.pdf.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/