Agent Survival Guide Podcast

Can your clients afford hybrid long-term care insurance? It might be more affordable than they think. Learn more about the ways hybrid or linked-benefit LTCi can be funded in this episode.   Read the text version   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: 4 Out-of-the-Box Long-Term Care Insurance Solutions 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents Annuities vs. 401(k)s: Examining Differences That Can Matter to Clients Selling Long-Term Care Insurance What You Need to Know About 1035 Exchanges   References: “Qualified vs. nonqualified annuities explained.” Thrivent.com, Thrivent, 19 Dec. 2025, https://www.thrivent.com/insights/annuities/qualified-vs-nonqualified-annuities-explained. Plaehn, Tim. “What is Tax-Qualified Money?” budgeting.thenest.com, The Nest, https://budgeting.thenest.com/can-deferred-compensation-rolled-401k-22900.html. Accessed 15 Jan. 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    Not affiliated with or endorsed by Medicare or any government agency.

When the unexpected happens in your business, it’s important to have all your bases covered. In this episode learn what Errors and Omissions Insurance is and how it could save your business thousands in legal costs.    Read the text version   💵Save Up to 50% On E&O Insurance 🤝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 New Insurance Agents 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency Developing Power Habits ft. Dr. Noah St. John IntegrityCONNECT The Benefits of Joining a Top Insurance FMO Tips for Working With a Difficult Client   References: Metz, Jason. “Best Small Business Insurance.” Forbes, Forbes Magazine, 24 Dec. 2025, https://www.forbes.com/advisor/business-insurance/best-small-business-insurance/. Bonner, Marianne. “Errors and Omissions Insurance: What It Is, How It Works, and Who Needs It.” Investopedia, Investopedia, https://www.investopedia.com/terms/e/errors-omissions-insurance.asp. Accessed 5 Jan. 2026. Rubin, Paul H. “More Money into Bad Suits - Nytimes.Com.” The New York Times, https://www.nytimes.com/roomfordebate/2010/11/15/investing-in-someone-elses-lawsuit/more-money-into-bad-suits. Accessed 5 Jan. 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    Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for February 6, 2026: IntegrityCONNECT Question Educational Resources for Insurance Agents Government Funding Bill Update Luffu AI for Family Caregivers ACA Enrollment Comparison   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.   Educational Resources for Insurance Agents: Content Library eBooks & Guides List of Ritter Events & Webinars   Government Funding Bill Update: Freking, Kevin. “House Passes Bill on Government Funding to End Partial Shutdown.” PBS, Public Broadcasting Service, 3 Feb. 2026, www.pbs.org/newshour/politics/watch-live-house-holds-key-procedural-vote-on-government-funding-to-end-partial-shutdown. “Senate passes government spending package, including healthcare funding.” Fiercehealthcare.com, Fierce Healthcare, 31 Jan. 2026, https://www.fiercehealthcare.com/providers/partial-government-shutdown-looms-threatening-stall-health-funding-package-telehealth.   Luffu AI for Family Caregivers: “Fitbit founders launch AI platform to help families monitor their health.” Technrunch.com, TechCrunch, 3 Feb. 2026, https://techcrunch.com/2026/02/03/fitbit-founders-launch-ai-platform-to-help-families-monitor-their-health/. “Fitbit’s founders launch a new platform for monitoring your entire family’s health.” Theverge.com, The Verge, 3 Feb. 2026, https://www.theverge.com/tech/872963/fitbit-james-park-eric-friedman-luffu-caregivers-family-health-app. “Fitbit’s founders push AI into family caregiving.” Axios.com, Axios, 3 Feb. 2026, https://www.axios.com/2026/02/03/fitbit-founders-ai-family-caregiving. “From the Founders of Fitbit: Introducing Luffu, Your Guardian for Family Health & Safety.” PRNewswire.com, PR Newswire, 3 Feb. 2026, https://www.prnewswire.com/news-releases/from-the-founders-of-fitbit-introducing-luffu-your-guardian-for-family-health--safety-302676975.html. “Luffu Official Website” luffu.com, Luffu, https://www.luffu.com/, Accessed 3 Feb. 2026.   ACA Enrollment Comparison: “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” Cms.gov, Centers for Medicare & Medicaid Services, 28 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-2.   Related ASG Podcast Episodes: 5 Tips for New Insurance Agents 2016 vs. 2026: The Insurance Edition CMS 2027 MA & Part D Advance Notice Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Introducing a Content Marketing Solution for Insurance Agents IntegrityCONNECT FAQs   Follow Us on Social!  Ritter on Facebook, Instagram, LinkedIn, TikTok, X, and YouTube Sarah on LinkedIn, Instagram, Threads, and Bluesky Not affiliated with or endorsed by Medicare or any government agency.

Learn about ACA subsidies and their requirements to help your clients save on health insurance!   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 Myths About Selling ACA Health Insurance Plans How the ACA Subsidy Cliff Impacts Clients Shopping for Marketplace Coverage How to Assist Clients with Marketplace Household Income Estimations How to Help Clients Navigate ACA Marketplace Subsides & Taxes What Are the ACA Marketplace Alternatives for Health Insurance?   References: “Federal Poverty Level (FPL) - Glossary.” HealthCare.Gov, https://www.healthcare.gov/glossary/federal-poverty-level-fpl/. Accessed 2 Jan. 2026. Norris, Lousie. “IRS Regulations Fix the ACA’s ‘family Glitch’ as of 2023.” Healthinsurance.Org, healthinsurance.org, 2 Sept. 2025, www.healthinsurance.org/obamacare/irs-regulations-fix-the-acas-family-glitch-as-of-2023/. “Medicaid Expansion & What It Means for You.” HealthCare.Gov, https://www.healthcare.gov/medicaid-chip/medicaid-expansion-and-you/. Accessed 2 Jan. 2026. “Poverty Guidelines.” ASPE, https://www.aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Accessed 2 Jan. 2026. Yearly Guidelines & Thresholds, Updated February 2023 Reference Chart, https://www.healthreformbeyondthebasics.org/wp-content/uploads/2024/08/REFERENCE_YearlyGuidelines_CY2025.pdf. Accessed 2 Jan. 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    Not affiliated with or endorsed by Medicare or any government agency.

Delve into the nuance of annuities as we compare fixed, indexed, and fixed indexed annuities. Learn more about each type, including how to help your clients choose between the three. Read the text version   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: 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents Why Gen Z is a Good Fit For Selling Insurance   References: “28 Retirement Statistics You Should Know for 2025.” HarborLifeSettlements.com, HarborLife Settlements, 29 Apr. 2025, https://www.harborlifesettlements.com/retirement-statistics/. “Annuities Overview.” Finra.org, FINRA, https://www.finra.org/investors/investing/investment-products/annuities. Accessed 15 Jan. 2026. Schaaf, Janet. “Guide to the Average Savings in America by Age.” SoFi.Com, SoFi, 12 Dec. 2025, www.sofi.com/learn/content/average-savings-by-age. Tancock, Kat. “How Much You Should Save for Retirement at Every Age” synchrony.com, Synchrony, 29 Jul. 2025, https://www.synchrony.com/blog/bank/retirement-savings-goals-at-every-age. Baluch, Anna. “How Much Does an Annuity Cost?” Edited by Lamia Chowdhury and John Stevenson, Annuity.Org, Annuity.org, 12 Dec. 2025, www.annuity.org/annuities/fees-and-commissions/. “S&P 500 Index.” Google.Com, Google Finance, www.google.com/finance/beta/quote/.INX:INDEXSP. Accessed 15 Jan. 2026. “Single premium immediate annuity (SPIA): Pros, cons & taxes.” Thrivent.com, Thrivent, 26 Aug. 2025, https://www.thrivent.com/insights/annuities/what-is-a-spia. “Types of fixed deferred annuities: Which is right for you?” thrivent.com, Thrivent, 12 Jan. 2026, https://www.thrivent.com/insights/annuities/types-of-fixed-deferred-annuities-which-is-right-for-you.   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  Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for January 30, 2026 Meta Announces Premium Subscriptions TikTok USDS Troubles & New Competitors FY 2026 Appropriations Bills 2025 Tax Season & H.R. 7006 CMS 2027 MA and Part D Advance Notice   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.   Meta Announces Premium Subscriptions: Weatherbed, Jess. "Instagram, Facebook, and WhatsApp will test premium subscriptions." theverge.com, The Verge, 27 Jan. 2026, https://www.theverge.com/news/868439/meta-premium-subscription-ai-facebook-instagram-whatsapp. "Meta Confirms Testing of Premium Instagram, Facebook and WhatsApp Subscriptions." cnet.com, CNET, 27 Jan. 2026, https://www.cnet.com/news/social-media/meta-confirms-testing-of-premium-instagram-facebook-and-whatsapp-subscriptions/. "Meta to test premium subscriptions on Instagram, Facebook, and WhatsApp." TechCrunch.com, TechCrunch, 26 Jan. 2026, https://techcrunch.com/2026/01/26/meta-to-test-premium-subscriptions-on-instagram-facebook-and-whatsapp/.   TikTok USDS Troubles & New Competitors: Sato, Kiichiro, "5 things to know about the TikTok deal." Politico.com, Politico, 22 Jan. 2026, https://www.politico.com/news/2026/01/22/5-things-to-know-about-the-tiktok-deal-00743316.  "Announcement from the new TikTok USDS Joint Venture LLC." newsroom.tiktok.com, TikTok, 22 Jan. 2026, https://newsroom.tiktok.com/announcement-from-the-new-tiktok-usds-joint-venture-llc. Bell, Karissa. "A TikTok US power outage caused a 'cascading systems failure' leading to multiple bugs." Engadget.com, Engadget, 27 Jan. 2026, https://www.engadget.com/social-media/a-tiktok-us-power-outage-caused-a-cascading-systems-failure-leading-to-multiple-bugs-173426490.html. "Here's what you should know about the US TikTok deal." TechCrunch.com, TechCrunch, 23, Jan 2026, https://techcrunch.com/2026/01/23/heres-whats-you-should-know-about-the-us-tiktok-deal. Bell, Karissa. "People are uninstalling TikTok and downloading an indie competitor." Engadget.com, Engadget, 26 Jan. 2026, https://www.engadget.com/social-media/people-are-uninstalling-tiktok-and-downloading-an-indie-competitor-233345222.html. Conner, Adam. "The TikTok Deal Leaves Many Questions Unanswered." americanprogress.org, Center for American Progress, 23 Jan 2026, https://www.americanprogress.org/article/the-tiktok-deal-leaves-many-questions-unanswered/. Scanlon, Krystal. "TikTok’s confirmed U.S. deal still leaves unanswered questions." digiday.com, Digiday, 26, Jan. 2026, https://digiday.com/marketing/tiktoks-confirmed-u-s-deal-still-leaves-unanswered-questions/.  "TikTok finalizes deal to form new American entity." NPR.org, NPR, 22 Jan. 2026, https://www.npr.org/2026/01/22/nx-s1-5685456/tiktok-finalizes-deal-to-form-new-american-entity. Jacobs, Skye. "TikTok quietly expands location tracking and ad targeting for US users." Techspot.com, TechSpot, 26 Jan. 2026, https://www.techspot.com/news/111061-tiktok-quietly-expands-ad-targeting-location-tracking-us.html. “Top Apps.” Appfigures.com, Appfigures, https://appfigures.com/top-apps/ios-app-store/united-states/iphone/top-overall, Accessed 28, Jan. 2026. Wheatman Hill, Laura. "We Should Just Let TikTok Die." Slate.com, Slate, 27 Jan 2026, https://slate.com/technology/2026/01/tiktok-outage-oracle-ice-shooting.html.   FY 2026 Appropriations Bills: “Appropriations Status Table: FY2026.” Congress.Gov, United States Congress, 23 Jan. 2026, www.congress.gov/crs-appropriations-status-table. "Assessing FY 2026 Appropriations." crfb.org, Committee for a Responsible Federal Budget, 15 Jan. 2026, https://www.crfb.org/blogs/assessing-fy-2026-appropriations. "H.R.7148 - 119th Congress (2025-2026): Consolidated Appropriations Act, 2026." Congress.Gov, United States Congress, 21 Jan. 2026, https://www.congress.gov/bill/119th-congress/house-bill/7148. "House Votes 341-88 for 'Minibus' Spending Package." thinkadvisor.com, Think Advisor, 22 Jan. 2026, https://www.thinkadvisor.com/2026/01/22/house-votes-341-88-for-minibus-spending-package/. "Labor, Health and Human Services, Education, and Related Agencies Appropriations Act, 2026." appropriations.house.gov, U.S. House of Representatives Appropriations Committee, https://appropriations.house.gov/sites/evo-subsites/republicans-appropriations.house.gov/files/evo-media-document/final-fy26-lhhs-minibus-4-summary.pdf. Accessed 26 Jan. 2026. "Partial government shutdown looms, threatening to stall health funding package, telehealth extensions." Fiercehealthcare.com, Fierce Healthcare, 26, Jan. 2026, https://www.fiercehealthcare.com/providers/sick-fighting-insurers-hospitals-offer-their-own-medicare-advantage-plans. "U.S. House passes final minibus funding package." naco.org, National Association of Counties, 22 Jan. 2026, https://www.naco.org/news/us-house-passes-final-minibus-funding-package.   2025 Tax Season & H.R. 7006: “H.R.7006 - 119th Congress (2025-2026): Financial Services and General Government and National Security, Department of State, and Related Programs Appropriations Act.” Congress.Gov, United States Congress, 15 Jan. 2026, www.congress.gov/bill/119th-congress/house-bill/7006/all-actions. “What Would a Government Shutdown Do to the IRS in 2026?” Kiplinger.com, Kiplinger, 23 Jan. 2026, https://www.kiplinger.com/taxes/what-will-a-government-shutdown-do-to-the-irs.   CMS 2027 MA and Part D Advance Notice: "2027 Medicare Advantage and Part D Advance Notice." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/2027-medicare-advantage-part-d-advance-notice. "Advance Notice of Methodological Changes for Calendar Year (CY) 2027 for Medicare Advantage (MA) Capitation Rates and Part C and Part D Payment Policies." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/files/document/2027-advance-notice.pdf. "CMS 2026 Medicare Advantage and Part D Rate Announcement." CMS.gov, Centers for Medicare & Medicaid Services, 07 Apr. 2025, https://www.cms.gov/newsroom/fact-sheets/2026-medicare-advantage-and-part-d-rate-announcement.  "CMS Proposes 2027 Medicare Advantage and Part D Payment Policies to Improve Payment Accuracy and Sustainability." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/newsroom/press-releases/cms-proposes-2027-medicare-advantage-part-d-payment-policies-improve-payment-accuracy-sustainability.  "Fiscal Year 2025 Improper Payments Fact Sheet." CMS.gov, Centers for Medicare & Medicaid Services, 15 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/fiscal-year-2025-improper-payments-fact-sheet.   Recent Episodes: 2016 vs. 2026: The Insurance Edition 2026 ACA Enrollment Snapshot #2 Enrollment Stats, Snapshots & Spotlights   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    Not affiliated with or endorsed by Medicare or any government agency.

Get the details on IntegrityCONNECT! Join Sarah and Tina for a deep dive into frequently asked agent questions.   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: FAQs About the Medicare Call Recording Requirements How Health Insurance Agents Can Stay TCPA Compliant Meet Your Sales Team Integrity Official Site Integrity Support Email Ritter Events, Training, & Webinar List   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    Not affiliated with or endorsed by Medicare or any government agency.

Is 2026 really the new 2016? Join Sarah as she talks about this internet trend, takes the time machine back to 2016 to compare data, and explains how agents can get in on the fun while it lasts!   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: 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents 2026 ACA Enrollment Snapshot #2 How the 2027 Medicare Advantage & Part D Proposed Rule Could Impact Insurance Agents & Beneficiaries Ritter Can Help You Stay in Touch with Your Clients What Are CMS' Part B Rebatable Drugs for 2026?   References: “2016 F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-plans/medigap/downloads/cy_2016_fandj_deductible_amount_for_medigap_high_deductible_options.pdf. Accessed 21 Jan. 2026. “2016 K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-plans/medigap/downloads/cy_2016_oop_limits_-_medigap_plans_k_and_l.pdf. Accessed 21 Jan. 2026.  "2016 Medicare Parts A & B Premiums and Deductibles Announced." CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/press-releases/2016-medicare-parts-b-premiums-and-deductibles-announced. Accessed 21 Jan. 2026. “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 21 Jan. 2026. “2026 K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 21 Jan. 2026.  “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 12 Jan. 2026, www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-0. “Marketplace Enrollment, 2014-2025: KFF State Health Facts.” KFF.Org, KFF, www.kff.org/affordable-care-act/state-indicator/marketplace-enrollment/?currentTimeframe=0&sortModel=%7B%22colId%22%3A%22Location%22%2C%22sort%22%3A%22asc%22%7D. Accessed 21 Jan. 2026. "Medicare Advantage 2026 Spotlight: A First Look at Plan Offerings." CMS.Gov, Centers for Medicare & Medicaid Services, 9 Dec. 2025, https://www.kff.org/medicare/medicare-advantage-2026-spotlight-a-first-look-at-plan-offerings/. "Original Medicare Costs in 2016." medicarerights.org, Medicare Rights Center, https://www.medicarerights.org/fliers/Original-Medicare/Original-Medicare-Costs-in-2016.pdf. Accessed 21 Jan. 2026. "Original Medicare Costs in 2026." medicareinteractive.org, Medicare Rights Center, https://www.medicareinteractive.org/wp-content/uploads/Original-Medicare-Costs-in-2026.pdf. Accessed 21 Jan. 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  Not affiliated with or endorsed by Medicare or any government agency.

Get the breakdown of each Affordable Care Act metal tier plan right here!   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: Questions to Ask Clients Shopping for an ACA Plan Selling ACA/Under-65 Health Insurance with Ritter The Complete Guide to Selling Affordable Care Act Insurance Plans – FREE eBook Download Understanding the ACA Marketplace & Exchanges Understanding ACA Plan Metal Tiers PDF - Download   References: “Average Monthly Marketplace Premiums by Metal Tier: KFF State Health Facts.” KFF, 3 Nov. 2025, https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier/. “Health Plan Categories: Bronze, Silver, Gold, & Platinum.” HealthCare.Gov, https://www.healthcare.gov/choose-a-plan/plans-categories/. Accessed 15 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    Not affiliated with or endorsed by Medicare or any government agency.

Learn more about the Medicare prescription payment plan program. Get the information you need now so you can answer questions from your clients.   🤝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: The Complete Guide on How to Sell Prescription Drug Plans 5 Tips for New Insurance Agents 5 Tips for Seasoned Insurance Agents 8 Strategies to Prevent Rapid Disenrollments from Medicare Plans Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them The 2026 Medicare Part D Redesign Changes Agents Should Know   References: “Fact Sheet: Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare and Medicaid Services, www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf Accessed 13 Jan 2026. “Fact Sheet: Medicare Prescription Payment Plan Final Part One Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-one-guidance.pdf Accessed 13 Jan 2026. “Fact Sheet: Medicare Prescription Payment Plan Final Part Two Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-two-guidance.pdf. Accessed 13 Jan 2026. “Inflation Reduction Act and Medicare.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare Accessed 13 Jan 2026. “Medicare & You Handbook.” Medicare, Centers for Medicare & Medicaid Services (CMS), www.medicare.gov/medicare-and-you. Accessed 13 Jan. 2026. “Medicare Prescription Payment Plan Details.” Medicare.Gov, CMS, www.medicare.gov/prescription-payment-plan. Accessed 13 Jan. 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    Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for January 16, 2026: Instagram “Your Algorithm” Personalization Apple Health+ on the Horizon? Apple Creator Studio ACA Subsidy Extension Passes House 2026 ACA Enrollment Snapshot #2   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.   Instagram “Your Algorithm” Personalization Bell, Karissa. “Instagram wants you to personalize your Reels algorithm for 2026.” Engadget.com, Engadget, 13 Jan. 2026, https://www.engadget.com/social-media/instagram-wants-you-to-personalize-your-reels-algorithm-for-2026-215252736.html. “Introducing a new way to see and control your algorithm.” About.instagram.com, Instagram, 10 Dec. 2025, https://about.instagram.com/blog/announcements/reels-algorithm-control. Hutchinson, Andrew. “Instagram Rolls Out Algorithm Control Option to All English-Speaking Users.” Socialmediatoday.com, Social Media Today, 13 Jan. 2026, https://www.socialmediatoday.com/news/instagram-rolls-out-algorithm-control-option-to-all-english-speaking-users/809524/. Peters, Jay. “Instagram wants to limit hashtag spam.” Theverge.com, The Verge, 18 Dec. 2025, https://www.theverge.com/news/847739/instagram-hashtag-spam-limit.   Apple Health+ on the Horizon? Burkhardt, Michael. “Apple Launching ‘Revamped’ Health App Later This Year with These Four Upgrades.” 9to5mac.Com, 9to5Mac, 11 Jan. 2026, 9to5mac.com/2026/01/11/apple-health-new-features-and-overhaul-coming-ios-26-4/. Raspall, David Bernal. “Apple’s Plans for the Health App Leak: A Huge Overhaul Closer than We Think.” Softonic.Com, Softonic, 12 Jan. 2026, en.softonic.com/articles/apple-health-plans-leak. McMahon, Liv. “Apple Turns to Google to Power AI Upgrade for Siri.” Bbc.Com, BBC News, 13 Jan. 2026, www.bbc.com/news/articles/czdqvp2zqezo.   Apple Creator Studio “Apple Introduces Apple Creator Studio, an inspiring collection of the most powerful creative apps.” Apple.com, Apple, 13 Jan. 2026, https://www.apple.com/newsroom/2026/01/introducing-apple-creator-studio-an-inspiring-collection-of-creative-apps/. Rossignol, Joe. “Apple Introduces New 'Creator Studio' Bundle of Apps for $129 Per Year.” MacRumors.com, MacRumors, 13 Jan. 2026, https://www.macrumors.com/2026/01/13/apple-creator-studio/. Rossignol, Joe. “These Apple Apps Will No Longer Receive All New Features Without a Subscription.” MacRumors.com, MacRumors, 13 Jan. 2026, https://www.macrumors.com/2026/01/13/apple-creator-studio-exclusive-app-features/.   ACA Subsidy Extension Passes House Guggenheim, Benjamin, and Mia McCarthy. “ 17 Republicans Vote to Restore Lapsed Obamacare Subsidies.” Politico.Com, Politico, 8 Jan. 2026, www.politico.com/news/2026/01/08/17-republicans-vote-to-restore-lapsed-obamacare-subsidies-00717497. Lillis, Mike, et al. “House Passes 3-Year Extension of ObamaCare Subsidies.” TheHill.Com, The Hill, 8 Jan. 2026, thehill.com/homenews/house/5680184-obamacare-tax-credits-bill-passes-house/. Minemyer, Paige. “House Passes ACA Tax Credit Extension, With Support From 17 Republicans.” FierceHealthcare.Com, Fierce Healthcare, 12 Jan. 2026, www.fiercehealthcare.com/regulatory/legislators-revive-aca-debate-hill-trump-seeks-meeting-insurers.   2026 ACA Enrollment Snapshot #2 “Marketplace 2025 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 17 Jan. 2025, www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-2. “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 12 Jan. 2026, www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-0.   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 

Leads are crucial to the success of your insurance business. Take a step outside the box with these creative Medicare lead-generation ideas!     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 Insurance Marketing Tips to Help Agents Stand Out in a Crowd Affinity Partnerships for Insurance Agents Custom Ink Field Notes on Partner Marketing Resources Shop RitterIM The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships   References: Forman-Katz, Naomi. “For National Radio Day, Key Facts about Radio Listeners and the Radio Industry in the U.S.” Pewresearch.Org, Pew Research Center, 17 Aug. 2023, www.pewresearch.org/short-reads/2023/08/17/for-national-radio-day-key-facts-about-radio-listeners-and-the-radio-industry-in-the-us/.   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      Not affiliated with or endorsed by Medicare or any government agency. 

Expand your Affordable Care Act client base with these six lead generation strategies!   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 Insurance Marketing Tips to Help Agents Stand Out from the Crowd 5 Types of Content to Share on Social Media Build Your Brand with Community Involvement Ritter Carrier Partners Community Engagement & ACA Marketing Suggestions for Agents How to Better Market Yourself Marketing & Incentives Why Being a Likable Agent Is Good for Your Business   References: “Children’s Health Insurance Program (CHIP).” Medicaid.Gov, https://www.medicaid.gov/chip. Accessed 3 Apr. 2025. “CMS.Gov Enterprise Portal.” Portal.Cms.Gov, https://portal.cms.gov/portal/. Accessed 3 Apr. 2025. “FFM Agent Broker Registration and Termination Status Page.” Data.Healthcare.Gov, https://data.healthcare.gov/ffm_ab_registration_lists. Accessed 3 Apr. 2025. “FAQs for Marketplace Agents and Brokers.” AgentBrokerFaq.Cms.Gov, https://www.agentbrokerfaq.cms.gov/s/article/Where-can-I-update-my-public-facing-agent-broker-profile-information-so-that-consumers-can-find-me-and-request-assistance. Accessed 3 Apr. 2025. “Find Local Help.” HealthCare.Gov, https://www.healthcare.gov/find-local-help/. Accessed 3 Apr. 2025. “Get Help Applying & More.” HealthCare.Gov, https://www.healthcare.gov/find-assistance/. Accessed 3 Apr. 2025. “Help on Demand: Training and Registration Guide.” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/Help-On-Demand-Training-Registration-Guide.pdf. Accessed 3 Apr. 2025. Instagram, https://www.instagram.com/. Accessed 3 Apr. 2025. “Log in or Sign Up.” Facebook, https://www.facebook.com/. Accessed 3 Apr. 2025. “Log in or Sign Up.” LinkedIn, https://www.linkedin.com/home. Accessed 3 Apr. 2025. “Returning Agents’ and Brokers’ Guide to Plan Year 2025 ...” CMS.Gov, https://www.cms.gov/files/document/returning-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 3 Apr. 2025. “Shop Health Insurance Overview.” HealthCare.Gov, https://www.healthcare.gov/small-businesses/choose-and-enroll/shop-marketplace-overview/. Accessed 3 Apr. 2025. “Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, https://www.healthcare.gov/. Accessed 3 Apr. 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    Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for January 9, 2026: Rural Health Transformation Program Allocations Guarding U.S. Medicare Against Rising Drug Costs (GUARD) Model Global Benchmark for Efficient Drug Pricing (GLOBE) Model Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth (BALANCE) Model Clear, Accurate, and Actionable Health Care Prices      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.   Rural Health Transformation Program Allocations: “CMS Announces $50 Billion in Awards to Strengthen Rural Health in All 50 States.” CMS.Gov, Centers for Medicare & Medicaid Services, 29 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-announces-50-billion-awards-strengthen-rural-health-all-50-states. “CMS Announces Establishment of the Office of Rural Health Transformation.” CMS.Gov, Centers for Medicare & Medicaid Services, 29 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-announces-establishment-office-rural-health-transformation. “CMS Launches Landmark $50 Billion Rural Health Transformation Program.” CMS.Gov, Centers for Medicare & Medicaid Services, 15 Sep. 2025, https://www.cms.gov/newsroom/press-releases/cms-launches-landmark-50-billion-rural-health-transformation-program.   Guarding U.S. Medicare Against Rising Drug Costs (GUARD) Model: “CMS Proposes New Mandatory GUARD Model.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-proposes-new-mandatory-guard-model. “GUARD (Guarding U.S. Medicare Against Rising Drug Costs) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/innovation/innovation-models/guard. Accessed 7 Jan. 2026. Guarding U.S. Medicare Against Rising Drug Costs (GUARD) Model.” Federalregister.Gov, U.S. Government,  https://www.federalregister.gov/documents/2025/12/23/2025-23705/guarding-us-medicare-against-rising-drug-costs-guard-model. Accessed 7 Jan. 2026.   Global Benchmark for Efficient Drug Pricing (GLOBE) Model: “CMS Proposes New Mandatory GLOBE Model.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-proposes-new-mandatory-globe-model. “Global Benchmark for Efficient Drug Pricing (GLOBE) Model.” Federalregister.Gov, U.S. Government, https://www.federalregister.gov/documents/2025/12/23/2025-23702/global-benchmark-for-efficient-drug-pricing-globe-model. Accessed 7 Jan. 2026. “GLOBE (Global Benchmark for Efficient Drug Pricing) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/innovation/innovation-models/globe. Accessed 7 Jan. 2026.   Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth (BALANCE) Model: “BALANCE (Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/innovation/innovation-models/balance. Accessed 7 Jan. 2026. “CMS Launches Voluntary Model to Expand Access to Life-Changing Medicines, Promote Healthier Living.” CMS.Gov, Centers for Medicare & Medicaid Services, 23 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-launches-voluntary-model-expand-access-life-changing-medicines-promote-healthier-living. How the BALANCE Model Will Help Medicare Part D & Medicaid Enrollees Access GLP-1s Minemyer, Paige. “CMS Launching Payment Model to Boost Access to GLP-1s in Medicaid, Part D.” Fiercehealthcare.Com, Fierce Healthcare, 24 Dec. 2025, https://www.fiercehealthcare.com/regulatory/cms-launching-payment-model-boost-access-glp-1s-medicaid-part-d.   Clear, Accurate, and Actionable Health Care Prices: Minemyer, Paige. “CMS Proposes Updates to Price Transparency Regs to Make Data More Accessible, Usable.” Fiercehealthcare.Com, Fierce Healthcare, 19 Dec. 2025, https://www.fiercehealthcare.com/regulatory/cms-proposes-updates-price-transparency-regs-make-data-more-accessible-usable. “Transparency in Coverage.” Federalregister.Gov, U.S. Government, https://www.federalregister.gov/documents/2025/12/23/2025-23693/transparency-in-coverage. Accessed 7 Jan. 2026. “Transparency in Coverage Proposed Rule (CMS 9882-P).” CMS.Gov, Centers for Medicare & Medicaid Services, 19 Dec. 2025, https://www.cms.gov/newsroom/fact-sheets/transparency-coverage-proposed-rule-cms-9882-p “Trump Administration Proposes Significant Updates to Disclosure Requirements to Make Health Care Prices Clear, Accurate, and Actionable for Americans.” CMS.Gov, Centers for Medicare & Medicaid Services, 19 Dec. 2025, https://www.cms.gov/newsroom/press-releases/trump-administration-proposes-significant-updates-disclosure-requirements-make-health-care-prices   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  Not affiliated with or endorsed by Medicare or any government agency.

Discover all the reasons why we think Gen Z is a great match for the insurance industry!    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 Reasons Why Ritter Should Be Your FMO Insurance Agency        10 Essential Tools for Beginner Insurance Agents Developing Power Habits ft. Dr. Noah St. John The Difference Between Captive & Independent Agents The Difference Between Medicare & Medicaid Your Step-By-Step Guide to Getting Started in Insurance Sales   References: McAllister, Sean. “How is Gen Z changing the workplace?” Zurich.Com, https://www.zurich.com/media/magazine/2022/how-will-gen-z-change-the-future-of-work . Accessed 10 Dec. 2025. Veltheim, Hanna. “Pandemic’s Impact on the Young: Generation Z and Growing up in the Middle of Covid-19.” Futures Platform, Futures Platform, 28 Nov. 2024, https://www.futuresplatform.com/blog/pandemics-impact-generation-z. Hall, Rebecca. “Recruiting Gen Z: Understanding What Matters.” Imercer, https://www.imercer.com/articleinsights/Attracting-new-graduates-and-Gen-Z-with-the-right-pay-and-perks. Accessed 10 Dec. 2025. Wells, Andrea. “Young Agents Survey: The next Generation Steps Up.” Insurance Journal, 22 Apr. 2015, https://www.insurancejournal.com/magazines/coverstory/2015/04/20/364399.htm. “The Average Length of a Job by Generation: A Look at Workforce Trends.” Sudina Search, LinkedIn, 19 Feb. 2025, https://www.linkedin.com/pulse/average-length-job-generation-look-workforce-trends-sudina-search-r4wqf#:~:text=Studies_indicate_that_Gen_Z,and_alignment_with_personal_values. Robinson, Bryan. “The Gen Z Mindset Graduates Bring to the Workplace in 2025.” Forbes, Forbes Magazine, 27 Apr. 2025, https://www.forbes.com/sites/bryanrobinson/2025/04/26/the-gen-z-mindset-graduates-bring-to-the-workplace-in-2025/. Wilson, Heather H. “The Insurance Industry’s Talent Crunch: Attracting and Retaining Gen Z.” Insurance Journal, 24 Mar. 2025, https://www.insurancejournal.com/magazines/mag-features/2025/03/24/816425.htm .   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    Not affiliated with or endorsed by Medicare or any government agency.

Rapid disenrollments don't have to happen to you! Learn how better communication can smooth over most Medicare plan disenrollment issues. We outline 8 strategies that are simple for agents to implement.   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: 7 Reasons Clients Switch Medicare Plans During AEP Do's and Don'ts of Medicare Compliance Fact-Finder Worksheet PDF Helping Clients Navigate Medicare’s Durable Medical Equipment Coverage How to Save Beneficiaries Money on Prescription Drugs at a Preferred Pharmacy Medicare Advantage Emergency-Related SEPs Medicare Advantage Open Enrollment Do's and Don'ts Medicare Advantage Trial Rights Explained for Agents Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them Start Selling 5-Star Medicare Advantage Plans All Year Register with Ritter Insurance Marketing What Beneficiaries Value Most in Medicare Advantage Plans   References: “Low Incomes, Little Savings: Many Medicare Beneficiaries Have Modest Financial Resources to Draw Upon in Retirement .” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/low-incomes-little-savings-many-medicare-beneficiaries-have-modest-financial-resources-to-draw-upon-in-retirement/. “Medicare Advantage Communication Requirements.” Ecfr.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 8 Dec. 2025. “Outbound Education and Verification Calls to All New Enrollees.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/downloads/MMGSection70-6Rev.pdf. Accessed 8 Dec. 2025. “Part D Communication Requirements.” Ecfr.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 8 Dec. 2025. Sparks, Grace et. al. “Public Opinion on Prescription Drugs and Their Prices.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/health-costs/public-opinion-on-prescription-drugs-and-their-prices.   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     Not affiliated with or endorsed by Medicare or any government agency.

In this episode, we’re tapping our past podcast guests for more advice. This time around, we asked what advice they would offer to more seasoned insurance agents.    🤝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: Adding Spokes to Your Wheel ft. Robert Rothschild Building the Foundation for Success ft. Roy Snarr How to Build Intentional Value ft. Neil Reich Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle Operating From a People-First Mentality ft. Scott Zimmerman   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      Not affiliated with or endorsed by Medicare or any government agency. 

Just starting out in the insurance industry? There’s a lot to learn! We’ve compiled some tips from past podcast guests on the advice they would give to new insurance agents.    🤝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: Building the Foundation for Success ft. Roy Snarr How to Build Intentional Value ft. Neil Reich Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle Making Your Own Luck ft. Michael Krantz Operating From a People-First Mentality ft. Scott Zimmerman   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      Not affiliated with or endorsed by Medicare or any government agency. 

It’s important that agents are equipped to handle Medicare grievances when they arise. Listen to learn how to prepare and best practices for avoiding these situations.   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: A Review of Integrity’s Top Medicare Quoting Tools Do’s and Don’ts of Medicare Compliance IntegrityCONNECT PlanEnroll PlanEnroll Client Sync Tutorial PDF Rules for Hosting a Compliant Medicare Educational Event Rules for Hosting a Compliant Medicare Sales Event The Survivor’s AEP Checklist Updates to the 2026 AHIP Certification You Should Know What Agents Can’t Say During Medicare Sales Appointments What Not to Say During Medicare Educational and Sales Events What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales 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 26 Nov. 2025. “Closed Confirmed Consumer Complaints by Coverage Type - CIS.” Closed Confirmed Consumer Complaints by Coverage Type - CIS, https://content.naic.org/cis_agg_type.htm. Accessed 26 Nov. 2025. “Filing a Complaint.” Medicare, https://www.medicare.gov/providers-services/claims-appeals-complaints/complaints. Accessed 26 Nov. 2025. “Welcome to Medicare.” Medicare, Centers for Medicare & Medicaid Services, https://www.medicare.gov/. Accessed 26 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    Not affiliated with or endorsed by Medicare or any government agency.

The Affordable Care Act health insurance is a great option for many. But it may not be the right fit for your clients. Discover ACA alternatives that fit your clients’ needs.   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: ACA 101: Selling Under-65 Health Insurance A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products Government & Insurers Reconsider Short-Term Limited Duration Product Changes How the ACA Subsidy Cliff Impacts Client Shopping for Marketplace Coverage How to Prepare for AEP Like a Pro How Much Money Can Agents Make Selling Ancillary Health Insurance Key Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule Secure a Bigger, Better Business with Ancillary Products The One Big Beautiful Bill: What Health Insurance Agents Should Know   References: “E&O Insurance for Insurance Agents.” Insureon, www.insureon.com/insurance-agent-business-insurance/errors-omissions. Accessed 5 Nov. 2025. Stevenson, Michael. “Mid-Year 2025 Employee Benefits Market Update: 4 Trends to Watch.” Seubert, 7 Aug. 2025, www.seubert.com/blog/mid-year-2025-employee-benefits-market-update-4-trends-to-watch/. “Minimum Essential Coverage.” CMS.Gov, www.cms.gov/marketplace/health-plans-issuers/minimum-essential-coverage. Accessed 5 Nov. 2025. “Minimum Essential Coverage (MEC) - Glossary.” HealthCare.Gov, www.healthcare.gov/glossary/minimum-essential-coverage/. Accessed 5 Nov. 2025. “Qualifying Health Coverage - Glossary.” HealthCare.Gov, www.healthcare.gov/glossary/qualifying-health-coverage/. Accessed 5 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    Not affiliated with or endorsed by Medicare or any government agency.