Agent Survival Guide Podcast

Sarah and Tina are back with another gift guide to help you survive holiday shopping! Listen as they chat about their favorite gifts to give and maybe one or two they’re hoping to receive this year.   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Mentioned in this episode: Pinch Provisions Quince Uncommon Goods Waxing Poetic   Other episodes you might like: Celebrating 20 Years of Medicare AEPs & Growth: Looking Back at 2005 Holiday Toy Shopping Guide 2025 How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly   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://x.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. 

Use these questions to help your client find the right Affordable Care Act coverage! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!  📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Tips for Finding Supplemental Coverage for ACA Plans ACA Enrolment Periods Explained Everything You Need to Know About the ACA OEP FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans How the ACA Subsidy Cliff Impacts Shopping for Marketplace Coverage How to Help Client Navigate ACA Marketplace Subsidies & Taxes Meet Your Sales Team Surviving OEP The Ritter Docs – Under 65 There’s More to Life Insurance Than Just a Policy The State of the ACA Market in 2025 Understanding ACA Plan Metal Tiers Understanding the ACA Marketplace & Exchanges What the Inflation Reduction Act Means for Your Medicare & ACA Clients   References:  “Low Cost Marketplace Health Care, Qualifying Income Levels.” HealthCare.Gov, https://www.healthcare.gov/lower-costs/. Accessed 4 Dec. 2025.   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://x.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 December 12, 2025: Wrapping Up AEP 2026 Spotify Wrapped 2025 Pebble Index 01 2026 ACA Enrollment Snapshot #1 KFF 2026 Medicare Advantage Spotlight   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Pebble Index 01: Perez, Sarah. “Pebble’s Founder Introduces a $75 AI Smart Ring for Recording Brief Notes with a Press of a Button.” Techcrunch.Com, TechCrunch, 9 Dec. 2025, techcrunch.com/2025/12/09/pebbles-founder-introduces-a-75-ai-smart-ring-for-recording-brief-notes-with-a-press-of-a-button/. Chokkattu, Julian. “Pebble is Making a $75 Smart Ring.” Wired.com, Wired, https://www.wired.com/story/pebble-index-ring/. Pierce, David. “The next Pebble gadget is the Index 01, a ring with a microphone.” theverge.com, The Verge, 9 Dec. 2025, https://www.theverge.com/gadgets/840352/pebble-index-smart-ring-launch-price.   2026 ACA Enrollment Snapshot #1: “Marketplace 2025 Open Enrollment Period Report: National Snapshot.” cms.gov, Centers for Medicare & Medicaid Services, 4 Dec. 2024, https://www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-0. “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” cms.gov, Centers for Medicare & Medicaid Services, 5 Dec. 2025, https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot.   KFF 2026 Medicare Advantage Spotlight: Freed, Meredith, Jeannie Fuglesten Biniek, et al. “Medicare Advantage 2026 Spotlight: A First Look at Plan Offerings.” KFF.Org, KFF, 9 Dec. 2025, https://www.kff.org/medicare/medicare-advantage-2026-spotlight-a-first-look-at-plan-offerings/. Freed, Meredith, Nancy Ochieng, et al. “Medicare Advantage 2026 Spotlight: A First Look at Plan Premiums and Benefits.” KFF.Org, KFF, 9 Dec. 2025, https://www.kff.org/medicare/medicare-advantage-2026-spotlight-a-first-look-at-plan-premiums-and-benefits/.   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://x.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.

New coverage year, new changes to Medicare Part D! Don't miss our refresher on the Part D Redesign updates coming in 2026. Familiarize yourself with these changes now so you can be a helpful resource for your clients!   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Medicare Part D Redesign Updates The Medicare Part D Creditable Coverage Determination Changes for 2025 or Beyond   References: “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 19 Nov. 2025. “Fact Sheet: President Donald J. Trump Announces Actions to Lower Prescription Drug Prices.” The White House, The United States Government, 15 Apr. 2025, https://www.whitehouse.gov/fact-sheets/2025/04/fact-sheet-president-donald-j-trump-announces-actions-to-lower-prescription-drug-prices/. “Final CY 2026 Part D Redesign Program Instructions.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/final-cy-2026-part-d-redesign-program-instructions. Accessed 19 Nov. 2025. “H.R.5376 - 117th Congress (2021-2022): Inflation Reduction Act of 2022 | Congress.Gov | Library of Congress.” Congress.Gov, https://www.congress.gov/bill/117th-congress/house-bill/5376. Accessed 19 Nov. 2025. “Lowering Drug Prices by Once Again Putting Americans First.” The White House, The United States Government, 15 Apr. 2025, https://www.whitehouse.gov/presidential-actions/2025/04/lowering-drug-prices-by-once-again-putting-americans-first/. “Medicare Part D Creditable Coverage: CMS Finalizes Revised Simplified Determination Method for 2026.” Risk Strategies - Part of the Brown & Brown Team, https://www.risk-strategies.com/blog/medicare-part-d-creditable-coverage-cms-finalizes-revised-simplified-determination-method-for-2026. Accessed 19 Nov. 2025. “Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/medicare-prescription-payment-plan. Accessed 19 Nov. 2025.  Santiago, Abdie, and Stephnie A. John. “The IRA in 2025: The Future of Medicare Part d.” Mintz, https://www.mintz.com/insights-center/viewpoints/2146/2025-02-13-ira-2025-future-medicare-part-d. Accessed 19 Nov. 2025. Aboulenein, Ahmed. “Trump Signs Healthcare Executive Order That Includes a Win for Pharma Companies | Reuters.” Reuters, https://www.reuters.com/world/us/trump-signs-healthcare-executive-order-that-includes-win-pharma-companies-2025-04-15/. Accessed 19 Nov. 2025.   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://x.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.

In this episode we’re highlighting some important things to think about while AEP is still fresh in your mind. Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 3 Benefits of Contracting to Sell Medicare Advantage Plans Outside of AEP 8 Powerful Practices for Selling Prescription Drug Plans 2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D A Review of Integrity’s Top Medicare Quoting Tools Carriers with Ritter Get a FREE Portfolio Review IntegrityCONNECT Insurance Agents as TPMOS: What CMS Compliance Regulations Mean for You Meet Your Sales Team PlanEnroll – Take Your Business to the Next Level Ritter Summits Surviving AEP The Benefits of Joining a Top Insurance FMO The Definitive Guide to Getting Leads and Prospecting for Medicare Sales FREE eBook The Ritter Platform The Ultimate Agent Resource List Pt. 3: Staying Organized What Agents Forget to Do When Preparing for Appointments   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://x.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.

Before you wrap it up and put a bow on it, does that gift for your Medicare client follow CMS guidelines? Listen to this episode of the Agent Survival Guide Podcast to find out and stay compliant!   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Affinity Partnerships for Insurance Agents Rules for Hosting a Compliant Medicare Educational Event Rules for Hosting a Compliant Medicare Sales Event The Complete Guide to Client Loyalty and Retention What are the Medicare Gift Rules?   References: “Associations Urge Stronger Oversight of MA Marketing Practices.” Npaonline.Com, National Pace Association, https://www.npaonline.org/about-npa/news/news/2024/08/07/associations-urge-tougher-enforcement-of-anti-predatory-medicare-advantage-marketing-practices. Accessed 18 Nov. 2025. “General Questions Regarding Certain Fraud and Abuse Authorities.” Office of Inspector General | Government Oversight | U.S. Department of Health and Human Services, 8 July 2024, https://www.oig.hhs.gov/faqs/general-questions-regarding-certain-fraud-and-abuse-authorities. “Subpart V—Medicare Advantage Communication Requirements.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 18 Nov. 2025. “Subpart V—Part D Communication Requirements.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V.  Accessed 18 Nov. 2025. “OIG-Policy-Statement-Gifts-of-Nominal-Value.Pdf.” Oig.Hhs.Gov/, https://www.oig.hhs.gov/documents/special-advisory-bulletins/887/OIG-Policy-Statement-Gifts-of-Nominal-Value.pdf. Accessed 18 Nov. 2025. “The Fine Line between Gifts and Bribes.” Adams & Associates, PLC, 14 Nov. 2023, https://www.azwhitecollarcrime.com/blog/2019/04/01/the-fine-line-between-gifts-and-bribes/.   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://x.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.

Dr. Noah St. John joins Sarah to talk about his Freedom Lifestyle Formula, Power Habits, and other strategies he's written about over the years. Find out why Dr. Noah says that willpower doesn't help change habits and there's more to success than just mindset. Get ready to unlock your potential with his honest and actionable strategies.     Find Dr. Noah St. John Online: Breakthrough With Noah Facebook Instagram LinkedIn Official Website Power Habits® The 7-Figure Life The Book of Afformations™ YouTube   Resources: How Insurance Agents Can Turn Anxiety into Fuel How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly How to Build Intentional Value ft. Neil Reich Optimize Your Online Presence ft. Aaron Kassover   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://x.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. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

As a certified insurance agent, staying CMS compliant is a crucial component to your success. Listen to this episode for a mini crash-course on best practices, guidelines, and resources to stay compliant.   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: FAQs About the Medicare Call Recording Requirements FAQs & Guidelines on Compliant Medicare Marketing Materials Guidelines for Sharing Personal Beneficiary Data with Other TPMOs How to Stay Compliant During All Medicare Sales Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You IntegrityCONNECT Login Learn more about PlanEnroll Ritter's Preferred Partners What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales Rules for Hosting a Compliant Medicare Educational Event What Agents Can't Say During Medicare Sales Appointments What CMS Requires Agents to Discuss Prior to Medicare Enrollments What Not to Say During Medicare Educational and Sales Events Where It All Begins: Obtaining Permission to Contact for Medicare Sales   References: “Medicare Advantage Communication Requirements.” Federal Register, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 19 Nov. 2025. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 19 Nov. 2025. “Part D Communication Requirements.” Federal Register, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 19 Nov. 2025. “Federal Register.” Federal Register, https://www.federalregister.gov/. Accessed 19 Nov. 2025.   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://x.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.

Medicare Supplement comes in a few different variations, and each has its own merits. In this episode of our ASG Podcast, learn more about Med Supp Plan N and why it deserves a spot in your portfolio.   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Ritter & Integrity Webinars/Events The Ideal Client for Medicare Supplement Plans When Do Med Supp Plans K, L, M, & N Make Sense?   References: “2024 Rate Increase Justification Plain ...” UHC.Com, UnitedHealthcare Insurance Company, https://www.uhc.com/content/dam/uhcdotcom/en/Legal/required-state-notices/2024-VT-Rate-Increase-Justification-AARP-Medicare-Supp-plans.pdf. Accessed 19 Nov. 2025. Rosenberg, Alex, and Holly Carey. “How Much Does a Medicare Supplement Insurance Plan Cost?” NerdWallet, https://www.nerdwallet.com/article/insurance/medicare/medigap-cost. Accessed 19 Nov. 2025. Maiale, Ben. “Medicare Supplement Premium Rates – Looking to the Past and Planning for the Future.” Genre, https://www.genre.com/us/knowledge/publications/2023/october/medicare-supplement-premium-rates-en. Accessed 19 Nov. 2025.  Whicheloe, Emily. “Medigap Changes in 2020.” Medicare Rights Center, 11 Apr. 2019, https://www.medicarerights.org/medicare-answers/2019/04/11/blog-medigap-changes-in-2020. “NHE Fact Sheet.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/data-research/statistics-trends-and-reports/national-health-expenditure-data/nhe-fact-sheet. Accessed 19 Nov. 2025. Noam, Eli. Medigap Plans Analysis Nov 2023, Columbia University Emeritus Professors in Columbia, https://professorsemeritus.columbia.edu/sites/professorsemeritus.columbia.edu/files/content/PDFs/Medigap-plans-analysis-Nov-2023.pdf. Accessed 19 Nov. 2025. Fuglesten Biniek, Jeannie, et al. “Traditional Medicare Spending Fell Almost 6% in 2020 as Service Use Declined Early in the COVID-19 Pandemic.” KFF, 9 Aug. 2025, https://www.kff.org/medicare/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://x.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.

Your client’s Medicare Beneficiary Identifier is an important piece of the enrollment application. Discover the multiple ways for a client to locate their MBI and why it’s important.   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Stress Relief Tips to Get You Through AEP The 2026 COLA Increase & How it Affects Your Clients What CMS Requires Agents to Discuss Prior to Medicare Enrollments   References: “Contact Medicare.” Medicare, www.medicare.gov/talk-to-someone. Accessed 12 Nov. 2025. “Medicare Beneficiary Identifiers (Mbis).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/training-education/partner-outreach-resources/new-medicare-card/medical-beneficiary-identifiers-mbis. Accessed 12 Nov. 2025. “The United States Social Security Administration.” Social Security, www.ssa.gov/. Accessed 12 Nov. 2025.   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://x.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.

CMS recently published their 2027 Medicare Advantage and Part D Proposed Rule. In this week’s Friday Five episode, we talk initial takeaways and the impact on agents and beneficiaries.   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2026 Medicare Cost Roundup 2026 Medicare Part A & B Premiums & Deductibles Government & Insurers Reconsider Short-Term Limited Duration Product Changes How the 2027 Medicare Advantage & Part D Proposed Rule Could Impact Insurance Agents & Beneficiaries Prescription Drug Pricing: MFN & GENEROUS The 2026 COLA Increase & How it Affects Your Clients   References: Hagerstrom, Chris. “11 Key Changes in CMS’s Contract Year 2027 Proposed Rule That Agents Should Be Watching.” Jsaonline.Com, Jack Schroeder and Associates, LLC, 2 Dec. 2025, www.jsaonline.com/resources/blog/11-key-changes-in-cmss-contract-year-2027-proposed-rule-that-agents-should-be-watching/. “Contract Year 2027 Policy & Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, & Medicare Cost Plan Program Proposed Rule.” Chamberhillstrategies.Com, Chamber Hill Strategies, 2 Dec. 2025, chamberhill.com/insights/cy2027-ma-part-d-proposed-rule/. “Contract Year 2027 Medicare Advantage and Part D Proposed Rule.” CMS.Gov, CMS, 25 Nov. 2025, www.cms.gov/newsroom/fact-sheets/contract-year-2027-medicare-advantage-part-d-proposed-rule. Minemyer, Paige. “CMS Proposes Significant Overhauls to Medicare Advantage Star Ratings Metrics.” Fiercehealthcare.Com, Fierce Healthcare, 25 Nov. 2025, www.fiercehealthcare.com/regulatory/cms-proposes-significant-overhauls-medicare-advantage-star-ratings-metrics. Singh, Vandana. “CMS Unveils 2027 Rule To Refocus Medicare Advantage On Outcomes.” Benzinga.Com, Benzinga, 26 Nov. 2025, www.benzinga.com/news/health-care/25/11/49083625/cms-unveils-2027-rule-to-refocus-medicare-advantage-on-outcomes. “Medicare Program; Contract Year 2027 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, and Medicare Cost Plan Program.” Federalregister.Gov, Centers for Medicare & Medicaid Services, 28 Nov. 2025, www.federalregister.gov/documents/2025/11/28/2025-21456/medicare-program-contract-year-2027-policy-and-technical-changes-to-the-medicare-advantage-program.   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://x.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.

Every career field has its challenges. One challenge you’ll likely encounter at some point as an insurance agent is a difficult client. In this episode, we’ve got tips and advice about what to do in those situations!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 5 Medicare Myths Your Clients May Believe Field Notes on Digital Marketing Resources How Client Retention Boosts Insurance Sales Keys to Client Retention: Digital Communication Keys to Client Retention: Face-to-Face Communication PlanEnroll – Quoting & Enrollment Platform The Complete Guide to Client Loyalty and Retention FREE eBook Download The Ritter Platform What Agents Can’t Say During Medicare Sales Appointments   References: Sloan, Kayla. “4 Reasons You Shouldn’t Drop a Client on a Whim.” Due, 21 Feb. 2023, https://due.com/drop-a-client/. “Explore Your Medicare Coverage Options.” Medicare.Gov, https://www.medicare.gov/plan-compare/. Accessed 6 Oct. 2025.   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://x.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.

Double and triple check your enrollment applications for errors! Make sure your applications don't get flagged during the submissions process by following these tips. Read the text version   Register with Ritter & Unlock Digital Tools Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Announcing IntegrityCONNECT Meet Your Ritter Sales Team IntegrityCONNECT Leads FAQs PlanEnroll – Take Your Business to the Next Level Integrity Sales Technology – Ritter Docs What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales IntegrityCONNECT   References: “Social Security Performance.” Social Security, www.ssa.gov/ssa-performance. Accessed 19 Oct. 2025. “ Title 42 Chapter IV Subchapter B Part 422 Subpart V § 422.2264.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2264. Accessed 19 Oct. 2025. Ruhle, Jessica. “What Do Seniors Do Online? 2025 Data for Marketers.” Creating Results, 26 Mar. 2025, www.creatingresults.com/blog/2025/03/13/what-do-seniors-do-online-2025-data-for-marketers/.   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://x.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.

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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Building Client Loyalty: More Than Just a Plan Generate Medicare Leads Using Marketing Materials from ShopRitterIM How Insurance Agents Can Learn About Their Social Media Audience How Relationship Marketing Can Make the Difference in Your Agency Integrity Tools Register with Ritter Shop Ritter Insurance Marketing The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships FREE eBook The Ritter 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 1 Dec 2025. “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 1 Dec 2025. “Word-of-Mouth Marketing: How to Get Happy Customers to Advocate for Your Business.” BigCommerce.Com, BigCommerce, 17 Nov. 2025, www.bigcommerce.com/articles/ecommerce/word-of-mouth-marketing/. 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 1 Dec 2025.   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/

Serve your clients and stay CMS compliant. That’s your priority as an insurance agent. Here at Ritter, we’re happy to help! Check out this episode for a refresher on what you can’t say during Medicare sales appointments and why. Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Tips for Making a Better Insurance Sales Pitch Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You Meet Your Ritter Sales Team PlanEnroll The Insurance Agent’s Guide to Generating Referrals FREE eBook Download What Are the ACA Marketplace Alternatives for Health Insurance?What Are the CMS Medicare Gift Rules? What to Know About SOAs in Medicare Health and Prescription Drug Sales   References: “2024 Medicare Advantage and Part D Final Rule (CMS-4201-F).” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-final-rule-cms-4201-f. Accessed 10 Nov. 2025. Wrage, Alexandra. “Bribery Is Bad... for Business.” Forbes, Forbes Magazine, 25 Jan. 2017, www.forbes.com/sites/alexandrawrage/2017/01/25/bribery-is-bad-for-business/. Freed, Meredith, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF, 15 Nov. 2024, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 10 Nov. 2025. “Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 10 Nov. 2025.   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://x.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 Annual Enrollment Period holds many sales opportunities; some you may not know the full value of! Discover how Medicare Supplements can benefit you and your clients during AEP!   Read the text version   Register with Ritter Insurance Marketing   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: A Comprehensive Guide to Medicare Supplement Underwriting FREE eBook Download CSG Actuarial – Quote & Enroll Ancillary Solutions Cure Your Client’s Needs with a PDP   Finding the Best Medicare Supplement Plan Letter for Your Client Guiding Your Clients Through Med Supp Underwriting How to Save Your Clients Money on Prescription Drugs Meet Your Ritter Sales Team Medicare Supplements Full the Gaps in Your Portfolio The Ideal Client for Medicare Supplement Plans What to Know When Replacing Existing Med Supp Plans for Clients When Do Med Supp Plans K, L, M, & N, Make Sense?   References: “Am Best.” Web.Ambest.Com, www.web.ambest.com/home. Accessed 29 Oct. 2025. “Get Ready to Buy.” Medicare.Gov, www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 29 Oct. 2025. “How Much Does Medicare Drug Coverage Cost?” Medicare.Gov, www.medicare.gov/health-drug-plans/part-d/basics/costs. Accessed 29 Oct. 2025.   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://x.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.

Marketing is a vital part of any business. But when it comes to marketing your services as an agent selling Medicare, there are specific rules and regulations. To help you out, we’ve compiled a list of FAQs around compliant Medicare marketing. Press play to get started!   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2026 Medicare Advantage & Part D Certification Info Certification Center – Ritter Insurance Marketing Do’s and Don’ts of Medicare Compliance FAQs About the Medicare Call Recording Requirements Field Notes on Digital Marketing Resources Field Notes on Traditional Marketing Resources Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You IntegrityCONNECT – Save time. Sell more. PlanEnroll - Take Your Business to the Next Level ShopRitterIM Social Media Marketing for Insurance Agents FREE eBook Download   References: “Digital and Email Marketing Platform | Constant Contact.” Constant Contact, www.constantcontact.com/. Accessed 10 Nov. 2025. “Medicare Communications and Marketing Guidelines (MCMG) Date: 02/09/2022.” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/files/document/medicare-communications-marketing-guidelines-2-9-2022.pdf. Accessed 10 Nov. 2025. “Prohibition of Misuse of Symbols, Emblems, or Names in Reference to Social Security or Medicare.” Social Security Act §1140, www.ssa.gov/OP_Home/ssact/title11/1140.htm. Accessed 10 Nov. 2025. “Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 10 Nov. 2025. “Subpart V—Part D Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 10 Nov. 2025.   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://x.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.

Special delivery… the official ASG Podcast guide to holiday toy shopping in 2025! We’ve done the research, now it’s time to report our findings. Which toy will come out at number one this year? You’ll have to listen to find out!   Agent Survival Guide Podcast Toy List 2025: Bluey and Bingo Supermarket Playset: Amazon | Official Site | Target | Walmart Cows in Space: Amazon | Official Site | Target | Walmart DJ Furby: Amazon | Official Site | Target | Walmart Maggie the Feed & Follow Cow: Amazon | Official Site | Target | Walmart Gabby's Dollhouse: The Movie MeowMazing Interactive Dollhouse: Amazon | Target | Walmart Gui Gui Slime Kit: Amazon | Official Site | Target | Walmart Jurassic Park Primal Hatch Interactive Toy: Amazon | Official Site | Walmart Lovevery Play Kits: Amazon | Official Site | Target Monopoly Scrabble: Amazon | Official Site | Walmart Moose Match Mayhem: Amazon | Official Site | Target | Walmart Nintendo Switch 2: Amazon | Official Site | Target | Walmart Rubik's Cube Pulse Cube: Amazon | Official Site | Target | Walmart Tamagotchi Paradise: Amazon | Official Site Toniebox 2: Amazon | Official Site | Target | Walmart UNO Show 'Em No Mercy: Amazon | Official Site | Target | Walmart   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://x.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. 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Frustrated by Medicare plans going non-commissionable? We get it, and we've got some actionable tips for insurance agents navigating these changes.   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Finding the Best Medicare Supplement Plan Letter for Your Client Get Your Medicare Advantage Sales Contracts Here — Recommendations for 2026 How Much Money Can Agents Make Selling Ancillary Health Insurance? How to Ask Your Current Clients for Referrals Medicare Supplements Fill the Gaps in Your Portfolio Signs It's Time to Expand Your Insurance Portfolio & Make the Move! Why Plan N Is Becoming a Go-To Medicare Supplement Choice   References: “Agent Broker Compensation.” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-marketing-guidelines/agent-broker-compensation. Accessed 11 Nov. 2025. McGough, Matt, et al. “How Has Healthcare Utilization Changed since the Pandemic?” Peterson-KFF Health System Tracker, 31 Jan. 2023, www.healthsystemtracker.org/chart-collection/how-has-healthcare-utilization-changed-since-the-pandemic/. Copeland, Lindsey. “More People Are Enrolling in Medicare Advantage at High Cost to Medicare and Taxpayers.” Medicare Rights Center, 31 July 2025, www.medicarerights.org/medicare-watch/2025/07/31/more-people-are-enrolling-in-medicare-advantage-at-hight-cost-to-medicare-and-taxpayers. MacDonald, Ilene. “Regulatory Roundup: Judge Vacates CMS Regulation to Limit Ma Broker, Agent Pay Caps; Elevance Health Loses Star Ratings Case; and More.” RISE Health, www.risehealth.org/insights-articles/article/regulatory-roundup-judge-vacates-cms-regulation-to-limit-ma-broker-agent-pay-caps-elevance-health-loses-star-ratings-case-and-more/. Accessed 11 Nov. 2025. “Welcome to Medicare.” Medicare, Centers for Medicare & Medicaid Services, www.medicare.gov/. Accessed 11 Nov. 2025.   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://x.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.

Sales events are a great way to generate Medicare leads. Learn best practices and how to stay CMS compliant while hosting a Medicare sales event in this episode!   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 3 Easy Ways to Build Your Insurance Sales Territory eBooks & Guides for Insurance Agents How to Stay Compliant During All Medicare Sales Ritter Insurance Marketing Carrier Pages Rules for Hosting a Compliant Medicare Educational Event What Not to Say During Medicare Educational and Sales Events   References: “Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 11 Nov. 2025. “Subpart V—Part D Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 11 Nov. 2025.   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://x.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.