Agent Survival Guide Podcast

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.

Get ready to host a Medicare educational event with help from the Agent Survival Guide! We highlight what agents need to know to stay compliant with your carriers and CMS Rules. 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: Do’s and Don’ts of Medicare Compliance eBooks & Guides for Insurance Agents How to Organize a Turning 65 Seminar on a Budget How to Stay Compliant During All Medicare Sales Rules for Hosting a Compliant Medicare Sales Event What Not to Say During Medicare Educational and Sales Events   References: “Federal Register.” FederalRegister.Gov, www.federalregister.gov/. Accessed 11 Nov. 2025. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. 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.`

Learn more about how the Telephone Consumer Protection Act applies to insurance agents. ⚠️ Spoiler Alert: the TCPA also applies to text messages.   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: Federal TCPA Compliance Checklist PDF Register with Ritter Insurance Marketing 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 Where It All Begins: Obtaining Permission to Contact for Medicare Sales   References: “California Consumer Privacy Act (CCPA).” Oag.ca.Gov, State of California - Department of Justice - Office of the Attorney General, 28 Jan. 2025, oag.ca.gov/privacy/ccpa. “CAN-SPAM Act: A Compliance Guide for Business.” Ftc.Gov, Federal Trade Commission, 22 July 2025, www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business. “Federal Trade Commission.” Ftc.Gov, Federal Trade Commission, 3 Apr. 2024, www.ftc.gov/about-ftc. “Federal Trade Commission Do Not Call Registry.” Donotcall.Gov, Federal Trade Commission, www.donotcall.gov/. Accessed 23 Oct. 2025. “Medicare Advantage Communication Requirements.” Federalregister.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 28 Aug. 2025. DeTorres, Dustin. “Navigating Telemarketing Laws: What Insurance Agents Need to Know About Calling Aged Leads.” Badassinsuranceleads.Com, Badass Insurance Leads, 16 Jan. 2025, badassinsuranceleads.com/navigating-telemarketing-laws-what-insurance-agents-need-to-know-about-calling-aged-leads/. “Telemarketing in NY.” NYSenate.Gov, The New York State Senate, www.nysenate.gov/legislation/laws/GBS/399-Z. Accessed 23 Oct. 2025. “Telemarketing in PA.” Attorneygeneral.Gov, Pennsylvania Office of Attorney General, www.attorneygeneral.gov/resources/telemarketing-in-pa/. Accessed 23 Oct. 2025. “Telemarketing Sales Rule.” Ftc.Gov, Federal Trade Commission, 25 Oct. 2024, www.ftc.gov/legal-library/browse/rules/telemarketing-sales-rule. “Telephone Consumer Protection Act (TCPA).” Fcc.Gov, Federal Communications Commission, www.fcc.gov/sites/default/files/tcpa-rules.pdf. Accessed 23 Oct. 2025. “UPDATE: 11th Circuit Vacates FCC’s One-to-One TCPA Consent Rule.” Wiley.Law, Wiley Rein LLP, www.wiley.law/alert-UPDATE-11th-Circuit-Vacates-FCCs-One-to-One-TCPA-Consent-Rule. Accessed 23 Oct. 2025.  Stefen. “What Is TCPA Express Consent?” Dnc.Com, Contact Center Compliance, 16 June 2025, www.dnc.com/blog/what-tcpa-express-consent. “What Is the TCPA?” Dnc.Com, Contact Center Compliance, www.dnc.com/what-is-tcpa/. Accessed 23 Oct. 2025. Stines, Robert A., and Jeremy D. Richardson. “What to Know About Florida’s Telephone Solicitation Act.” Sgrlaw.Com, Freeborn & Peters LLP, www.sgrlaw.com/wp-content/uploads/2023/04/What-to-Know-About-Floridas-Telephone-Solicitation-Act-Final.pdf. Accessed 23 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.

The Friday Five for November 21, 2025: Update on Telehealth Prescription Flexibilities Google Calendar Tasks Feature Medigap F, G & J Deductibles for 2026 Medigap K & L Out-of-Pocket Limits for 2026 Medicare Part A & B Premiums & Deductibles + MA, MAPD & Medicare Part D Premium Projections   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.   Apple iPhone Pocket Sold Out: Kelly, Samantha. “Apple’s $230 Cloth iPhone Pouch Is Already Sold Out - Here’s What It’s Like.” Bloomberg.Com, Bloomberg, 14 Nov. 2025, www.bloomberg.com/news/articles/2025-11-14/apple-issey-miyake-iphone-pocket-price-colors-review-where-to-buy-sold-out. Mzizi, Yola. “Confused by the iPhone Pocket? That’s by Design.” Nytimes.Com, New York Times, 14 Nov. 2025, www.nytimes.com/2025/11/14/style/iphone-pocket-apple-issey-miyake.html. Phelan, David. “iPhone Pocket: Exactly Why The Issey Miyake Collaboration Sold Out Super-Fast.” Forbes.Com, Forbes Magazine, 16 Nov. 2025, https://www.forbes.com/sites/davidphelan/2025/11/16/apple-iphone-pocket-why-the-issey-miyake-collaboration-sold-out-in-hours/.   Update on Telehealth Prescription Flexibilities: Beavins, Emma. “DEA to Publish 4th Extension of Telehealth Prescribing Rule in Wave of Relief for Virtual Care Providers.” Fiercehealthcare.Com, Fierce Healthcare, 13 Nov. 2025, www.fiercehealthcare.com/regulatory/dea-publish-fourth-extension-telehealth-prescribing-rule-wave-relief-telehealth.  “Pending Fourth Temporary Extension of COVID-19 Telemedicine Flexibilities for Prescription of Controlled Medications .” Reginfo.Gov, Office of Information and Regulatory Affairs, 10 Nov. 2025, www.reginfo.gov/public/do/eoDetails?rrid=1162112.   Google Calendar Tasks Feature: Bonifield, Stevie. “Google Calendar Can Finally Block off Time without Faking a Meeting.” Theverge.Com, The Verge, 17 Nov. 2025, www.theverge.com/news/822492/google-calendar-tasks-busy-time-block. Bonggolto, Jay. “Google Calendar’s New Task Feature Is the Productivity Upgrade You Actually Need.” Androidcentral.Com, Android Central, 18 Nov. 2025, https://www.androidcentral.com/apps-software/google-calendars-new-task-feature-is-the-productivity-upgrade-you-actually-need. Washenko, Anna. “Google Calendar Now Lets You Schedule Tasks.” Engadget.Com, Engadget, 17 Nov. 2025, www.engadget.com/apps/google-calendar-now-lets-you-schedule-tasks-231026000.html. Moore, Mike. “Need to Get Some Work Done? There’s No Need Create a Fake Meeting to Get Some Time to Yourself, Thanks to This New Google Calendar Tool.” TechRadar.Com, TechRadar, 18 Nov. 2025, www.techradar.com/pro/software-services/need-to-get-some-work-done-theres-no-need-create-a-fake-meeting-to-get-some-time-to-yourself-thanks-to-this-new-google-calendar-tool.   Medigap F, G & J Deductibles for 2026: “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 18 Nov. 2025.   Medigap K & L Out-of-Pocket Limits for 2026: “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 18 Nov. 2025.   Medicare Part A & B Premiums & Deductibles + MA, MAPD & Medicare Part D Premium Projections: “2026 MA and Part D Landscape State Fact Sheet.” CMS.Gov, www.cms.gov/files/document/2026-ma-part-d-landscape-state-state-fact-sheet.pdf. Accessed 1 Oct. 2025. “2026 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles. Accessed 18 Nov. 2025. “CMS Fast Facts.” Centers for Medicare & Medicaid Services Data, www.data.cms.gov/fact-sheet/cms-fast-facts. Accessed 18 Nov. 2025. “Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2026.” CMS.Gov, www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2026. Accessed 1 Oct. 2025. “Social Security Announces 2.8 Percent Benefit Increase for 2026 .” SSA, 24 Oct. 2025, www.blog.ssa.gov/social-security-announces-benefit-increase-for-2026/.   Resources: 2026 Medicare Advantage and Medicare Part D Premiums 2026 Medicare Part A & B Premiums & Deductibles Celebrating 20 Years of Medicare AEPs & Growth: Looking Back at 2005 Prescription Drug Pricing: MFN & GENEROUS The 2026 COLA Increase & How it Affects Your Clients   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.

Changes are coming to ACA subsidies that you should be working with your clients to prepare for. We’ve got what agents need to know about Affordable Care Act Subsidies and how it affects your clients.    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: Boost Your Commissions with a New Hospital Indemnity Sales Strategy Meet Your Ritter Sales Team Sense Success with Dental, Vision, and Hearing Plans The State of the ACA Market in 2025 What the Inflation Reduction Act Means for Your Medicare & ACA Clients   References: Sparks, Grace, Lunna Lopes, et al. “Americans’ Challenges with Health Care Costs.” KFF, 15 Sept. 2025, www.kff.org/health-costs/americans-challenges-with-health-care-costs/. Kffjaredo. “Congressional District Interactive Map: HOW MUCH WILL ACA Premium Payments Rise If Enhanced Subsidies Expire?” KFF, 9 Aug. 2025, www.kff.org/affordable-care-act/congressional-district-interactive-map-how-much-will-aca-premium-payments-rise-if-enhanced-subsidies-expire/. Swagel, Phillip L. “Estimated Effects on the Number of Uninsured People in 2034 Resulting From Policies Incorporated Within CBO’s Baseline Projections and H.R. 1, the One Big Beautiful Bill Act.” CBO.Gov, Congressional Budget Office, www.cbo.gov/system/files/2025-06/Wyden-Pallone-Neal_Letter_6-4-25.pdf. Accessed 16 Oct. 2025. Rakshit, Shameek, et al. “How Does Cost Affect Access to Healthcare?” Peterson-KFF Health System Tracker, 7 Apr. 2025, www.healthsystemtracker.org/chart-collection/cost-affect-access-care/. “How Does the American Rescue Plan Affect Premiums?” Beyond the Basics, 1 July 2024, www.healthreformbeyondthebasics.org/category/new-laws-policies/how-does-the-american-rescue-plan-impact-premiums/. Tolbert, Jennifer, et al. “Key Facts about the Uninsured Population.” KFF, 9 Aug. 2025, www.kff.org/uninsured/key-facts-about-the-uninsured-population/. “Offsetting ACA Enhanced Subsidy Extensions.” Committee for a Responsible Federal Budget, www.crfb.org/blogs/offsetting-aca-enhanced-subsidy-extensions. Accessed 16 Oct. 2025. Coughlin, Teresa A., et al. “Sources of Payment for Uncompensated Care for the Uninsured.” KFF, 9 Aug. 2025, www.kff.org/affordable-care-act/sources-of-payment-for-uncompensated-care-for-the-uninsured/. Kffjaredo. “Who Might Lose Eligibility for Affordable Care Act Marketplace Subsidies If Enhanced Tax Credits Are Not Extended?” KFF, 9 Aug. 2025, www.kff.org/affordable-care-act/who-might-lose-eligibility-for-affordable-care-act-marketplace-subsidies-if-enhanced-tax-credits-are-not-extended/.   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 explain marketplace exchanges, ACA enrollment, and share educational Ritter resources for selling ACA!   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: 3 Benefits of Selling ACA Insurance Plans 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency ACA Enrollment Periods Explained Agent Requirements for ACA Sales Announcing the Launch of IntegrityCONNECT Everything You Need to Know About the ACA OEP FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans Learn more about Ritter Insurance Marketing! Register with Ritter Insurance Marketing Simplify Marketplace Enrollment with HealthSherpa The Complete Guide to Selling Affordable Care Act Insurance Plans   References: “Getting Health Coverage Outside Open Enrollment.” HealthCare.Gov, www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/. Accessed 31 Oct. 2025. “The Marketplace in Your State.” HealthCare.Gov, www.healthcare.gov/marketplace-in-your-state/. Accessed 31 Oct. 2025. “Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, www.healthcare.gov/. Accessed 31 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.

🚨THIS JUST IN: 2025 Medicare Part A and B premium and deductible numbers are live! Listen for details on the cost of Medicare for your clients in coverage year 2026.   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 and Medicare Part D Premiums 5 MORE Real-Life Medicare Sales Scenarios and How to Handle Them 5 Real-Life Medicare Sales Scenarios & How to Handle Them 5 Ways to Survive Enrollment Season 2026 Prescription Drug Pricing: MFN & GENEROUS Stress Relief Tips to Get You Through AEP   References: “2026 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles. Accessed 17 Nov. 2025. “CMS Fast Facts.” Centers for Medicare & Medicaid Services Data, www.data.cms.gov/fact-sheet/cms-fast-facts. Accessed 17 Nov. 2025. “Social Security Announces 2.8 Percent Benefit Increase for 2026 .” SSA, 24 Oct. 2025, www.blog.ssa.gov/social-security-announces-benefit-increase-for-2026/.   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.

Nothing stays the same. Your clients’ health needs, financial situations, and the Medicare industry itself can change each year. Learn how to best help your clients switch coverage with these 7 scenarios.    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: 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency 5 Tips to Make the Most of AEP How to Check Medicare Extra Help Eligibility for Your Client Register with Ritter Insurance Marketing The Benefits of Selling D-SNPs The Ritter Blog What to Know When Replacing Existing Med Supp Plans for Clients   References: Emerson, Jakob. “32 Health Systems Dropping Medicare Advantage Plans | 2024 - Becker’s Hospital Review | Healthcare News & Analysis.” Beckershospitalreview.Com, Becker’s Hospital Review, www.beckershospitalreview.com/finance/15-health-systems-dropping-medicare-advantage-plans-2024/. Accessed 29 Oct. 2025. “2024 Medicare Advantage and Part D Star Ratings.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-star-ratings. Accessed 29 Oct. 2025. 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/.   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.

Congrats on making it this far into AEP! Take time to access what is and isn’t working for your business and hear our tips for improvement!   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 5 Tips for Selling Medicare Advantage Plans 8 Powerful Practices for Selling Prescriptions Drug Plans Events & Webinars with Ritter Insurance Marketing FREE eBooks & Guides for Agents Get a FREE Portfolio Review Get Your Medicare Advantage Sales Contracts Here – Recommendations for 2026 How Ask Integrity Can Streamline Your Medicare Sales Appointments How Client Retention Boosts Insurance Sales How to Follow up with Medicare Clients Compliantly How to Survive AEP: Wellness Tips for Insurance Agents IntegrityCONNECT IntegrityCONNECT Leads Knight School Training for Agents Learn More About PlanEnroll Organization Tips & Tricks for the Medicare Annual Enrollment Period PlanEnroll Lead Program Training Registration Stress Relief Tips to Get You Through AEP When Do Med Supp Plans K, L, M, & N Make Sense? Why Being a Likable Agent Is Good for Your Business   References: Diamond, Dan. “10,000 People Are Now Enrolling in Medicare - Every Day.” Forbes, Forbes Magazine, 11 June 2024, www.forbes.com/sites/dandiamond/2015/07/13/aging-in-america-10000-people-enroll-in-medicare-every-day/#1ebb581f3657.   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 November 14, 2025: iPhone Pocket Brings Back… Pockets. CMS Rural Health Transformation Program Government Shutdown Update Most-Favored Nation Drug Pricing CMS GENEROUS Model   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.   Phone Pocket Brings Back… Pockets. Articles of Interest – More Pockets Hart, Jordan. “Apple and Issey Miyake Design $230 Iphone Pocket Inspired by a ‘Piece of Cloth.’” Business Insider, Business Insider, www.businessinsider.com/apple-issey-miyake-design-iphone-pocket-2025-11. Accessed 12 Nov. 2025. “Crossbody Strap – Sienna.” Apple, www.apple.com/shop/product/mggn4ll/a/crossbody-strap-sienna. Accessed 12 Nov. 2025. Cross, Greta. “Internet Conflicted over Apple’s $230 Iphone Pocket Case. See New Product.” USA Today, Gannett Satellite Information Network, www.usatoday.com/story/tech/2025/11/11/iphone-pocket-apple-phone-case/87214270007/. Accessed 12 Nov. 2025. “Introducing Iphone Pocket: A Beautiful Way to Wear and Carry iPhone.” Apple Newsroom, 12 Nov. 2025, www.apple.com/newsroom/2025/11/introducing-iphone-pocket-a-beautiful-way-to-wear-and-carry-iphone/. Jewiss, Connor. “The Iphone Pocket Is the Apple Accessory You Never Saw Coming.” CNET, www.cnet.com/tech/mobile/the-iphone-pocket-is-the-apple-accessory-you-never-saw-coming/. Accessed 12 Nov. 2025. Rural Health Transformation Program: “All 50 States Seek to Transform Rural Health with CMS.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/press-releases/all-50-states-seek-transform-rural-health-cms. Accessed 12 Nov. 2025. Muoio, Dave. “All 50 States Submit Applications for $50B Rural Health Transformation Program.” Fierce Healthcare, www.fiercehealthcare.com/providers/cms-opens-state-applications-50b-rural-health-transformation-program. Accessed 12 Nov. 2025.   Government Shutdown Update: Swenson, Ali. “An Emerging Shutdown Deal Doesn’t Extend Expiring Health Subsidies. Here’s What Could Happen to Them.” AP News, AP News, 10 Nov. 2025, www.apnews.com/article/shutdown-health-tax-credits-affordable-care-act-2b5ae3651ff16783a00e00dc1ce264bf. “Division A - Continuing Appropriations Act, 2026.” United States Senate Committee on Appropriations, www.appropriations.senate.gov/imo/media/doc/continuing_appropriations_act_2026_bill_text.pdf. Accessed 12 Nov. 2025. “Division B - Agriculture, Rural Development, Food and Drug Administration, and Related Agency Appropriations Act, 2026.” United States Senate Committee on Appropriations, www.appropriations.senate.gov/imo/media/doc/agfy26conf.pdf. Accessed 12 Nov. 2025. “Division C - Legislative Branch Appropriations Act, 2026.” United States Senate Committee on Appropriations, www.appropriations.senate.gov/imo/media/doc/lbfy26aconf.pdf. Accessed 12 Nov. 2025. “Division D - Military Construction, Veterans Affairs, and Related Agencies Appropriations Act, 2026.” United States Senate Committee on Appropriations, www.appropriations.senate.gov/imo/media/doc/mcvafy26conf.pdf. Accessed 12 Nov. 2025. “Federal Shutdown Deal Would Wipe out Hard-Won THC Consumables Market in Texas.” Dallas News, The Dallas Morning News, 12 Nov. 2025, www.dallasnews.com/news/politics/2025/11/11/federal-shutdown-deal-would-wipe-out-hard-won-thc-consumables-market-in-texas/. Caballero, Martín. “Senate Advances Hemp Ban amid Growing Prohibition Fears.” Brewbound, 11 Nov. 2025, www.brewbound.com/news/senate-advances-hemp-ban-amid-growing-prohibition-fears/. Gringlas, Sam. “Senate Approves Shutdown Ending Legislation, Sending Bill to the House for a Vote.” NPR, NPR, 11 Nov. 2025, www.npr.org/2025/11/10/g-s1-97245/senate-shutdown-vote. Yarrow, Grace. “Senators Reject Paul’s Hemp Plans.” Politico, www.politico.com/live-updates/2025/11/10/congress/senators-reject-pauls-hemp-plans-00646064. Accessed 12 Nov. 2025. “Speaker Johnson Won’t Guarantee Vote in House on ACA Subsidies.” ABC7 Los Angeles, 12 Nov. 2025, www.abc7.com/live-updates/government-shutdown-updates-house-speaker-mike-johnson-commits-vote-senate-funding-deal/18139514/entry/18140103/. Usigan, Ysolt. “THC Ban Hidden in Government Spending Bill Could Shut down Delta-8 Market, so Stock up Now.” VICE, 12 Nov. 2025, www.vice.com/en/article/federal-thc-ban-on-hemp-products/. Lalljee, Jason. “The Bill to Reopen the Government Would Shut down These THC Products.” AXIOS, www.axios.com/2025/11/12/government-shutdown-bill-thc-hemp-products. Accessed 13 Nov. 2025. Tsirkin, Julie, and Frank Thorp V. “The Government Shutdown May Last Longer Because of a Fight over Hemp.” NBCNews.Com, NBCUniversal News Group, 10 Nov. 2025, www.nbcnews.com/politics/congress/government-shutdown-may-last-longer-fight-hemp-rcna243075. Faguy, Ana. “Trump Signs Spending Bill to End Longest Shutdown in US History.” BBC News, BBC, 13 Nov. 2025, www.bbc.com/news/articles/c891nvwvg2zo. Stech, Katy, et al. “Trump Signs Funding Bill to End Longest US Government Shutdown.” The Guardian, Guardian News and Media, 13 Nov. 2025, www.theguardian.com/us-news/2025/nov/12/house-bill-government-shutdown-vote. Desjardins, Lisa. “What’s in the Senate Shutdown Deal.” PBS, Public Broadcasting Service, 11 Nov. 2025, www.pbs.org/newshour/politics/whats-in-the-senate-shutdown-deal.   Most-Favored Nation Drug Pricing: Krishnan, Manisha. “A Proposed Federal THC Ban Would ‘wipe out’ Hemp Products That Get People High.” Wired, 12 Nov. 2025, www.wired.com/story/proposed-federal-thc-ban-would-wipe-out-hemp-products-that-get-people-high/. “AstraZeneca Announces Historic Agreement with US Government to Lower the Cost of Medicines for American Patients.” AstraZeneca, www.astrazeneca.com/media-centre/press-releases/2025/astrazeneca-announces-historic-agreement-with-us-government-to-lower-the-cost-of-medicines-for-american-patients.html. Accessed 13 Nov. 2025. Sagonowsky, Eric. “AstraZeneca CEO Visits White House to Formalize MFN Agreement with Trump.” Fierce Pharma, www.fiercepharma.com/pharma/art-deal-az-visit-white-house-formalize-mfn-agreement-trump-msnbc-reports. Accessed 13 Nov. 2025. “Agent of Record.” Insuranceopedia, 14 Jan. 2025, www.insuranceopedia.com/definition/674/agent-of-record. “Delivering Most-Favored-Nation Prescription Drug Pricing to American Patients.” The White House, The United States Government, 12 May 2025, www.whitehouse.gov/presidential-actions/2025/05/delivering-most-favored-nation-prescription-drug-pricing-to-american-patients/. Democrats Defect on the Shutdown - The New York Times, www.nytimes.com/2025/11/10/briefing/democrats-defect-on-the-shutdown.html. Accessed 13 Nov. 2025. “Fact Sheet: President Donald J. Trump Announces Actions to Lower Costs and Expand Access to in Vitro Fertilization (IVF) and High-Quality Fertility Care.” The White House, The United States Government, 16 Oct. 2025, www.whitehouse.gov/fact-sheets/2025/10/fact-sheet-president-donald-j-trump-announces-actions-to-lower-costs-and-expand-access-to-in-vitro-fertilization-ivf-and-high-quality-fertility-care/. “Pfizer Reaches Landmark Agreement with U.S. Government to Lower Drug Costs for American Patients.” Pfizer, www.pfizer.com/news/press-release/press-release-detail/pfizer-reaches-landmark-agreement-us-government-lower-drug?cid=em_PfizerNewsroomAlert&ttype=em. Accessed 13 Nov. 2025. Stiles, Matt. “How Each House Member Voted on Ending the Government Shutdown | CNN Politics.” CNN, Cable News Network, 13 Nov. 2025, www.cnn.com/2025/11/12/politics/house-vote-government-shutdown-vis. “Lilly and U.S. Government Agree to Expand Access to Obesity Medicines to Millions of Americans.” Lilly Investors, Eli Lilly and Company, 6 Nov. 2025, www.investor.lilly.com/news-releases/news-release-details/lilly-and-us-government-agree-expand-access-obesity-medicines. “Novo Nordisk Announces Agreement with the U.S. Administration to Bring GLP-1s to More Americans at a Lower Cost.” Novo Nordisk, www.novonordisk.com/content/nncorp/global/en/news-and-media/news-and-ir-materials/news-details.html?id=916450. Accessed 13 Nov. 2025. Kim Constantino, Annika. “Trump Announces Deals with Eli Lilly, Novo Nordisk to Slash Weight Loss Drug Prices, Offer Some Medicare Coverage.” CNBC, CNBC, 6 Nov. 2025, www.cnbc.com/2025/11/06/trump-eli-lilly-novo-nordisk-deal-obesity-drug-prices.html. Kansteiner, Fraiser, and Eric Sagonowsky. “Updated: Pfizer Offers Price Concessions, $70b US Outlay in Trump’s ‘Most Favored Nation’ Push.” Fierce Pharma, www.fiercepharma.com/pharma/pfizer-plans-offer-price-concessions-trumps-most-favored-nation-push-reports. Accessed 13 Nov. 2025.   CMS Generating Cost Reductions for U.S. Medicaid (GENEROUS) Model: “CMS Announces New Drug Payment Model to Strengthen Medicaid and Better Serve Vulnerable Americans.” CMS.Gov, Centers for Medicare & Medicaid Services, 6 Nov. 2025, www.cms.gov/newsroom/press-releases/cms-announces-new-drug-payment-model-strengthen-medicaid-better-serve-vulnerable-americans. “Fact Sheet: President Donald J. Trump Announces Second Deal to Bring Most-Favored-Nation Pricing to American Patients.” Whitehouse.Gov, The United States Government, 10 Oct. 2025, www.whitehouse.gov/fact-sheets/2025/10/fact-sheet-president-donald-j-trump-announces-second-deal-to-bring-most-favored-nation-pricing-to-american-patients/. “GENEROUS (GENErating Cost Reductions fOr U.S. Medicaid) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Nov. 2025, www.cms.gov/priorities/innovation/innovation-models/generous. “Generous Model Request for Applications from Applicable Manufacturers.” Cms.Gov, Centers for Medicare & Medicaid Services, 10 Nov. 2025, www.cms.gov/files/document/generous-rfa.pdf. “Lilly and U.S. Government Agree to Expand Access to Obesity Medicines to Millions of Americans.” Investor.Lilly.Com, Eli Lilly and Company, 6 Nov. 2025, investor.lilly.com/ne

Jump in the time machine with us as we travel back circa 2005 for the first Medicare Annual Enrollment Period, the debut of Medicare Advantage, Medicare Part D, two new Med Supp plans, and more!   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: 4 Ways PlanEnroll Will Make This Your Best AEP Yet 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency 5 Medicare Myths Your Clients May Believe 10 Tips to Submitting an Error-Free Medicare Enrollment Application 2026 Medicare Part D Bid Info Likely Means Higher Premiums & Plan Disruption — Here's Why A Review of Integrity's Top Medicare Quoting Tools How Insurance Agents Can Use AI Tools How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly IntegrityCONNECT & PlanEnroll FAQs Register with RitterIM.com Risk Adjustment & Finding Value Beyond Coding Changes ft. Dr. Shannon Decker The Future of Medicare Part D: The Push Toward MAPD The Ultimate Agent Resource List Pt. 3: Staying Organized   References: “2005 CMS Statistics.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/medicaremedicaidstatsupp/downloads/2005_cms_statisticspdf. Accessed 21 Oct. 2025. “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. McManus, Melanie Radzicki. “A Short History of How Netflix Won World Domination in Streaming.” Entertainment.Howstuffworks.Com, HowStuffWorks, 21 Dec. 2018, entertainment.howstuffworks.com/short-history-netflix-world-domination-streaming.htm. “Beneficiaries with Special Needs Can Get Help from Medicare Managed Care Plans.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/beneficiaries-special-needs-can-get-help-medicare-managed-care-plans. Accessed 21 Oct. 2025. Laschober, Mary. “Estimating Medicare Advantage Lock-In Provisions Impact on Vulnerable Medicare Beneficiaries.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/05springpg63pdf. “IPod Shuffle (1st Generation).” Apple.Fandom.Com, Apple Wiki, apple.fandom.com/wiki/IPod_shuffle_(1st_generation). Accessed 21 Oct. 2025. “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 21 Oct. 2025. “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/press-releases/medicare-advantage-and-medicare-prescription-drug-programs-remain-stable-cms-implements-improvements. Freed, Meredith, et al.  “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/. Freed, Meredith, Jeannie Fugleston Biniek, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Premiums and Benefits.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-premiums-and-benefits/. “Medicare Part B Immunosuppressive Drug Benefit.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/partbid-provider. Accessed 21 Oct. 2025. “Medicare Demonstration to Transition Enrollment of Low Income Subsidy Beneficiaries .” Cms.Gov, Centers for Medicare & Medicaid Services, 8 June 2006, www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovContra/Downloads/MemoLTCContracting_060806.pdf. “Medicare Part B Income-Related Monthly Adjustment Amount.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2006/10/27/E6-17690/medicare-part-b-income-related-monthly-adjustment-amount. Accessed 21 Oct. 2025. Cubanski, Juliette, and Anthony Damico. “Medicare Part D in 2025: A First Look at Prescription Drug Plan Availability, Premiums, and Cost Sharing.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-part-d-in-2025-a-first-look-at-prescription-drug-plan-availability-premiums-and-cost-sharing/. “Medicare Program Description and Legislative History.” Ssa.Gov, Social Security Administration, www.ssa.gov/policy/docs/statcomps/supplement/2006/medicare.html. Accessed 21 Oct. 2025. “Medicare Program; Establishment of the Medicare Advantage Program.” Federalregister.Gov, Federal Register, https://www.federalregister.gov/documents/2005/01/28/05-1322/medicare-program-establishment-of-the-medicare-advantage-program. Accessed 21 Oct. 2025. “Part D / Prescription Drug Benefits.” Medicareadvocacy.Org, Center for Medicare Advocacy, 30 May 2025, medicareadvocacy.org/medicare-info/medicare-part-d/. “Pop Culture in Review for the Year 2005.” Mrpopculture.Com, Mr. Pop Culture , 29 Nov. 2023, mrpopculture.com/pop-culture-in-review-for-the-year-2005/. "The Medicare Advantage program: Availability, benefits, and special needs plans - Chapter 9." Medpac.Gov, Medpac.gov, www.medpac.gov/wp-content/uploads/import_data/scrape_files/docs/default-source/reports/Jun06_Ch09.pdf. Accessed 21 Oct. 2025. Gold, Marsha. “The Landscape of Private Firms Offering Medicare Prescription Drug Coverage in 2006.” Modern.Kff.Org, The Henry J. Kaiser Family Foundation, www.kff.org/wp-content/uploads/2013/01/7474.pdf. Accessed 21 Oct. 2025. “The next Generation of Medicare Beneficiaries - Chapter 2.” Medpac.Gov, Medpac.gov, www.medpac.gov/wp-content/uploads/import_data/scrape_files/docs/default-source/reports/chapter-2-the-next-generation-of-medicare-beneficiaries-june-2015-report-.pdf. Accessed 21 Oct. 2025. Crowder, Courtney. “Throwback: Pop Culture Trends of 2005.” Usatoday.Com, USA Today, 30 July 2015, www.usatoday.com/story/entertainment/2015/07/30/pop-culture-trends/30739417/. “Update to Medicare Deductible, Coinsurance and Premium Rates for 2006.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Regulations-and-Guidance/Guidance/Transmittals/downloads/R31GI.pdf. Accessed 21 Oct. 2025. “Variation and Trends in Medigap Premiums.” Aspe.Hhs.Gov, U.S. Department of Health and Human Services Assistant Secretary for Planning and Evaluation, aspe.hhs.gov/sites/default/files/migrated_legacy_files/43721/index.pdf. Accessed 21 Oct. 2025. Hosch, William L. “YouTube.” Britannica.Com, Encyclopædia Britannica, inc., 19 Oct. 2025, www.britannica.com/topic/YouTube.   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.

Want to improve your selling skills? Learn how to make a better insurance sales pitch! We outline four game-changing sales presentation tips for insurance agents.   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: 10 Tips to Submitting an Error-Free Medicare Enrollment Application 16 Ways to Generate Medicare Leads (That You Probably Haven’t Tried Yet!) Friday Five Archive – Agent Survival Guide Podcast How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly How to Stay Compliant During All Medicare Sales What Agents Forget to Do When Preparing for Appointments Ritter Insurance Marketing Blog   References: Stemler, Sam. “9 Things Customers Want in 2025, According to Research.” Webascender.Com, Web Ascender, 10 Dec. 2024, www.webascender.com/blog/9-things-customers-want-in-2025-according-to-research-2/. Goman, Carol Kinsey. “10 Powerful Body Language Tips.” Amanet.Org, American Management Association, www.amanet.org/articles/10-powerful-body-language-tips/. Accessed 23 Oct. 2025. “Active Listening Techniques: Best Practices for Leaders.” Ccl.Org, Center for Creative Leadership, 14 Oct. 2025, www.ccl.org/articles/leading-effectively-articles/coaching-others-use-active-listening-skills/. Tanner, Jeff, and Mary Anne Raymond. “Chapter 3 Consumer Behavior: How People Make Buying Decisions.” Https://2012books.Lardbucket.Org/Books/Marketing-Principles-v1.0/S06-Consumer-Behavior-How-People-m.Html, Flatworld. Bronten, George. “How to Sabotage Your Sales with Bad Assumptions.” Membrain.Com, Membrain, www.membrain.com/blog/how-to-sabotage-your-sales-with-bad-assumptions. Accessed 23 Oct. 2025. “Why Your Pace of Speech Matters in Public Speaking.” Teleprompter.Com, Teleprompter, www.teleprompter.com/blog/why-your-pace-of-speech-matters. Accessed 23 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.

Feeling frustrated this enrollment season? This episode is for you! We’ve got some ideas to help you take a break, take care, and make it through AEP and OEP.   Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Turn Self-Care Into a Game with the Finch App: “Finch: Self-Care Pet - Apps on Google Play.” Google, www.play.google.com/store/apps/details?id=com.finch.finch. Accessed 6 Nov. 2025. “Finch: Self-Care Pet App.” App Store, 7 Dec. 2024, www.apps.apple.com/us/app/finch-self-care-pet/id1528595748. “Your New Self-Care Best Friend.” Finch, www.finchcare.com/. Accessed 6 Nov. 2025.     ‘Tis the Season for Holiday Flavors at Dunkin’ & Starbucks: “Celebrate the season: Starbucks Holiday Menu Returns Nov. 6 with Festive Drinks, Cups and Treats.” About Starbucks, www.about.starbucks.com/stories/2025/celebrate-the-season-starbucks-holiday-menu-returns-nov-6-with-festive-drinks-cups-and-treats/. Accessed 6 Nov. 2025. “Dunkin’® Unwraps the Holidays with New Cookie Butter Cloud Latte, Berry Sangria Refresher and Bacon Jam Creations.” Dunkin’, 5 Nov. 2025, www.news.dunkindonuts.com/news/holiday-menu-2025. “Dutch Bros® Cranks up the Cheer with 2025 Holiday Menu.” Dutch Bros® Cranks Up the Cheer with 2025 Holiday Menu | Dutch Bros, www.dutchbros.com/news-events/holiday-2025-drink-menu/. Accessed 6 Nov. 2025. “Starbucks Holiday Menu Returns Nov. 6.” About Starbucks, www.about.starbucks.com/stories/2025/starbucks-holiday-menu-returns-nov-6/. Accessed 6 Nov. 2025. “Starbucks Unveils Joyful Holiday Beverages: Starbucks Stories Asia.” About Starbucks, www.stories.starbucks.com/asia/stories/2025/starbucks-unveils-joyful-holiday-beverages/. Accessed 6 Nov. 2025.   Dictation Goes Modern with Sandbar’s Stream Ring: Evans, Courtney. “Ex-Meta Founders Launch Smart Ring for Music & Notes.” CEO Today, 5 Nov. 2025, www.ceotodaymagazine.com/2025/11/ex-meta-smart-ring-music-voice-notes/. Werth, Timothy Beck. “Former Meta Employees Launch Sandbar, a New Smart Ring Brand.” Mashable, Mashable, 5 Nov. 2025, www.mashable.com/article/meta-employees-launch-smart-ring-sandbar. Mehta, Ivan. “Former Meta Employees Launch Stream, a Smart Ring That Takes Voice Notes and Controls Music.” TechCrunch, 5 Nov. 2025, www.techcrunch.com/2025/11/05/former-meta-employees-launch-stream-a-smart-ring-that-takes-voice-notes-and-controls-music/. “Stream Ring: A Voice-First Ring for Capturing Thoughts and Building Ideas.” Sandbar, www.sandbar.com/. Accessed 6 Nov. 2025. Chokkattu, Julian. “Whisper into This AI-Powered Smart Ring to Organize Your Thoughts.” Wired, Conde Nast, 5 Nov. 2025, www.wired.com/story/sandbar-stream-smart-ring/.   Google Maps Adds Landmarks & More AI Capabilities: Mehta, Ivan. “Google Maps Bakes in Gemini to Improve Navigation and Hands-Free Use.” TechCrunch, 5 Nov. 2025, www.techcrunch.com/2025/11/05/google-maps-bakes-in-gemini-to-improve-navigation-and-hands-free-use/. Moore, Amanda Leicht. “Google Maps Navigation Gets a Powerful Boost with Gemini.” Google, Google, 5 Nov. 2025, www.blog.google/products/maps/gemini-navigation-features-landmark-lens/. “Google Maps Is Getting More Hands-Free for When You’re Driving.” CNET, www.cnet.com/tech/services-and-software/google-maps-is-getting-more-hands-free-for-when-youre-driving/. Accessed 6 Nov. 2025.   Field Notes on the Longest Government Shutdown Ever: Solendar, Andrew, and Kate Santaliz. “A Group of House Democrats and Republicans Is Floating a Plan to End the Shutdown.” AXIOS, www.axios.com/2025/11/03/shutdown-aca-tax-credits-democrats-republicans. Accessed 6 Nov. 2025. “Bacon, Suozzi, Hurd, Gottheimer Release Bipartisan Principles to Temporarily Extend and Reform Affordable Care Act Enhanced Premium Tax Credits.” U.S. Congressman Don Bacon, 3 Nov. 2025, www.bacon.house.gov/news/documentsingle.aspx?DocumentID=2805. Gringlas, Sam. “How an Enduring Debate over Healthcare Sparked a Now Record-Long Shutdown.” NPR, 5 Nov. 2025, www.npr.org/2025/11/05/nx-s1-5596472/government-shutdown-record-health-care-subsidies. Beavins, Emma, et al. “How the Shutdown Impacts Healthcare: Legislators Float Bipartisan Plan to Extend, Reform Aca Tax Credits.” Fierce Healthcare, www.fiercehealthcare.com/regulatory/shutdown-tracker-cms-issues-billing-guidance-hhs-furloughs-32000-employees. Accessed 6 Nov. 2025.   Recently Published Episodes: 5 Real-Life Medicare Sales Scenarios & How to Handle Them Content Library: Cooking for Beginners ft. Jeff Snyder How Insurance Agents Can Use AI Tools How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly Stress Relief Tips to Get You Through AEP   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.   Episode Transcript: Welcome to the Agent Survival Guide Podcast Friday Five, which is either our weekly recap of what happened this week that agents should know about. Or in the case of this week, 5 items focusing on a particular theme. I’m your host, Sarah Rueppel, and this week, we are talking about dealing with burnout, getting off the struggle bus, or to put it more eloquently, 5 ways to survive AEP 2026 even when everything feels like a dumpster on fire floating down the river with a smile on our face to mask the reality. It’s been a rough enrollment season so far with all the changes and disruption going on. I know that it can feel like a lot, I certainly don’t want to sugarcoat that. What I do want to do, is talk about some solutions to help you take a break from the burnout, refresh, and make sure you’re taking care of yourself amidst all the commotion. So let’s start with that last one, making sure you take care of yourself, and in true ASG Podcast fashion, we’re going to turn to an app, because we love technology. But we also love gamifying tasks because it adds a layer of fun and rewards you for doing things that you know you should be doing anyway, but sometimes we don’t do them because we’re too busy. That’s where the Finch Self-Care Pet app can help. The app is designed to gamify self-care and getting stuff done, across a range of categories, like self-kindness, calm, gratitude, productivity, and more. Every user gets a little animal called a birb to take care of. It looks like a little bird. As you cross things off your to-do lists and keep checking back in, your birb grows and learns. It hatches micropets of its own. And you earn in-game currency called rainbow stones to purchase clothing for your birb, furniture for your birb’s room, and tickets to travel to new locations. You decide what you want to achieve in a day, and you can place items in categories, or keep them uncategorized. As more time goes on, you’ll be able to gain insight from your habits, identifying which ones you’re really good at accomplishing, and which others need more work, and might need to be prioritized a little bit more. And one thing in particular I love, is that you can add friends on the app. Almost immediately after downloading Finch and trying it out, I thought it could be a great way to help my daughter establish daily routines and reward her for completing tasks. We’ve been using it together for almost a month, and so far, we still both really like it. She has other friends from school that use it, and I’ve mentioned it to the team here, with some coworkers also downloading it and giving it a try. We’ll be linking to the learn more about Finch page in the episode notes, so if you’re looking for a way to accomplish your to-dos while also taking care of yourself, or you’re trying to teach your child how to do that, I can’t recommend this app enough.  Number Four. I don’t know about you, but I wouldn’t be able to function without caffeine, and sometimes, stopping for a treat from either Starbucks or Dunkin’ is necessary. Or maybe you just need to switch up your order with a new seasonal, limited-edition flavor. You are in luck because pumpkin spice has officially taken a backseat to peppermint mocha and its holiday friends! Wednesday marked the beginning of the holiday menu’s return to Dunkin, and Starbucks hauled out the holly yesterday. While I definitely identify as a Starbucks fan, I have to say that the Dunkin’ holiday cups feature super cute graphics that are very much channeling schoolhouse rock. Peppermint Mocha everything and the Toasted White Chocolate Signature Latte are back for the season. New offerings include the Berry Sangria refresher the Cookie Butter Cloud Latte. Dunkin Refreshers can be mixed with either green tea, black tea, lemonade, or sparkling water, the latter of which is always my go-to. And then the Cookie Butter Cloud Latte pairs the creamy sweetness of a latte topped with Cookie Butter cold foam and cookie crumbles. I think I’d enjoy the cold foam and crumbles on a cold brew or iced coffee, but if made according to the menu, I think it’ll be too sweet for me. Over at Starbucks, Peppermint Mocha returns along with Toffee Nut Crunch and Gingerbread Latte. I’m a huge fan of the Gingerbread flavored ground coffee, so I’m very excited for all things Gingerbread. New this year is the hazelnut praline mille-feuille oatmilk latte, and I’m going to be honest, I’m glad I order on the app most of the time, because I wouldn’t want to have to say the name of that drink out loud i

CMS plans to simplify prior authorization for Medicare beneficiaries beginning in 2026. Listen to learn more about changes coming to Medicare Advantage and Original Medicare!   Read the text version   🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency 5 Medicare Myths Your Clients May Believe 16 Ways to Generate Medicare Leads (That You Probably Haven’t Tried Yet!) Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly   References: “HHS Secretary Kennedy, CMS Administrator Oz Secure Industry Pledge to Fix Broken Prior Authorization System.” HHS.Gov, U.S. Department of Health and Human Services, 23 June 2025, www.hhs.gov/press-room/kennedy-oz-cms-secure-healthcare-industry-pledge-to-fix-prior-authorization-system.html. Accessed 19 Oct. 2025. “Health Plans Are Making Voluntary Commitments to Support Patients And Providers” AHIP.Org, www.ahip.org/health-plans-are-making-voluntary-commitments-to-support-patients-and-providers. Accessed 19 Oct. 2025. “Health Plans Take Action to Simplify Prior Authorization - AHIP.” AHIP.Org, www.ahip.org/news/press-releases/health-plans-take-action-to-simplify-prior-authorization. Accessed 19 Oct. 2025. Ochieng, Nancy, et al. “Medicare Advantage in 2025: Premiums, out-of-Pocket Limits, Supplemental Benefits, and Prior Authorization.” KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-premiums-out-of-pocket-limits-supplemental-benefits-and-prior-authorization/. Accessed 19 Oct. 2025. “Medicare Program; Implementation of Prior Authorization for Select Services for the Wasteful and Inappropriate Services Reduction (WISeR) Model.” FederalRegister.Org, www.federalregister.gov/public-inspection/2025-12195/medicare-program-implementation-of-prior-authorization-for-select-services-for-the-wasteful-and. Accessed 19 Oct. 2025. “Prior Authorization and Pre-Claim Review Initiatives.” CMS.Gov, Centers for Medicare and Medicaid Services, www.cms.gov/data-research/monitoring-programs/medicare-fee-service-compliance-programs/prior-authorization-and-pre-claim-review-initiatives. Accessed 19 Oct. 2025. LeValley, Donna. “Prior Authorization Coming to Traditional Medicare Starting in 2026.” Kiplinger.Com, Kiplinger, 7 July 2025, www.kiplinger.com/retirement/medicare/prior-authorization-coming-to-traditional-medicare. Accessed 19 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.

Every Medicare client has their own unique situation and needs. Learn how to best assist them with 5 more insurance sales scenarios!   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: 3 Essential Steps New Insurance Agents Need to Take 4 Ancillary Cross-Sales to Show Clients You Care 4 Out-Of-the-Box Long-Term Care Insurance Solutions 5 Must-Haves for Every Agent This AEP 5 Real-Life Medicare Sales Scenarios & How to Handle Them Agent Survival Guide Podcast Do’s and Don’ts of Medicare Compliance How to Prepare for AEP like a Pro How VA Benefits Work with Medicare Life Insurance for Each of Life’s Stages Meet Your Ritter Sales Team Rules for Hosting a Compliant Medicare Educational Event Rules for Hosting a Compliant Medicare Sales Event Surviving AEP Resources The Survivor’s AEP Checklist The Complete Guide on How to Sell Final Expense Insurance FREE eBook DOWNLOAD Your Clients May Not Be Automatically Enrolled in Medicare   References: “Agent of Record.” Insuranceopedia, 14 Jan. 2025, https://www.insuranceopedia.com/definition/674/agent-of-record.  “Avoid Late Enrollment Penalties.” Medicare, https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties. Accessed 1 Oct. 2025. “Cobra and Medicare Coordination.” Medicare Interactive, 31 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/cobra-and-medicare/cobra-and-medicare-coordination. “How Medicare Works with Other Insurance.” Medicare, https://www.medicare.gov/health-drug-plans/coordination. Accessed 1 Oct. 2025. “Job-Based Insurance When You Are Disabled.” Medicare Interactive, 23 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/job-based-insurance-and-medicare/job-based-insurance-when-you-are-disabled. “Medicare Information.” SSA, https://www.ssa.gov/disabilityresearch/wi/medicare.htm. Accessed 1 Oct. 2025. “Tricare for Life (Tfl) Basics.” Medicare Interactive, 23 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/military-retiree-insurance-and-medicare/tricare-for-life-tfl-basics.   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.

One of the best ways to prepare for the insurance field is with real life scenarios. In this episode we dive into 5 scenarios and how to best assist your clients.   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: 4 Tips for Making a Better Insurance Sales Pitch 10 Tips to Submitting an Error-Free Medicare Enrollment Application Contact Ritter Insurance Marketing eBook: A Comprehensive Guide to Medicare Supplement Underwriting How to Save Your Clients Money on Prescription Drugs How SPAPs and Their SEPs Can Bring You New Business Reach Out to Ritter's Sales Team Register with Ritter Insurance Marketing The Beginner’s Guide to D-SNPs Stay Busy Outside of AEP With Special Enrollment Periods   References: “Extra Help Basics.” Medicare Interactive, 1 May 2025, https://www.medicareinteractive.org/understanding-medicare/cost-saving-programs/the-extra-help-low-income-subsidy-lis-program/extra-help-basics. “Get Ready to Buy.” Medicare, https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 25 Sept. 2025. “Glossary Archive.” Medicare Interactive, https://www.medicareinteractive.org/glossary. Accessed 25 Sept. 2025. “I Am Turning 65 in a Few Months and Want to Go on Medicare. Will I Be Automatically Enrolled in Parts A and B or Do I Need to Sign Up?” KFF, 18 Sept. 2025, https://www.kff.org/faqs/medicare-open-enrollment-faqs/enrollment-information-for-people-new-to-medicare/i-am-turning-65-in-a-few-months-and-want-to-go-on-medicare-will-i-be-automatically-enrolled-in-parts-a-and-b-or-do-i-need-to-sign-up/.   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.