Agent Survival Guide Podcast

Agent Apps | Ritter Staff’s Top 5 Apps

 
We asked our HQ staff what their top apps are, listen to this episode to learn their answers! Did your favorite app make the list?
 
Facebook: https://www.facebook.com/Google Calendar: https://workspace.google.com/intl/en-US/products/calendar/EveryDollar: https://www.ramseysolutions.com/ramseyplus/everydollar?snid=free-tools.budgeting.everydollar-budget-appGiant Food Stores App Store: https://apps.apple.com/us/app/giant-food-stores/id491014869Giant Food Stores Google Play: https://play.google.com/store/apps/details?id=com.giantfoods.mobile.droid&hl=enMeta Business Suite: https://www.facebook.com/business/tools/meta-business-suite Canva: https://www.canva.com/Adobe Express: https://www.adobe.com/express/
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
4 Ways PlanEnroll Will Make This the Best AEP Yet: https://link.chtbl.com/ASG617R5
Best Free Writing & Grammar Apps: https://link.chtbl.com/ASGA58
Best Video Editing Apps for Social Media: https://link.chtbl.com/ASGA69
How to Create a Google Business Profile: https://link.chtbl.com/ASG614
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://link.chtbl.com/ASG622
Modern Medicare Marketing for Today’s Agents FREE eBook Download: https://ritterim.com/modern-marketing-guide/
Social Media Marketing for Insurance Agents FREE eBook Download: https://ritterim.com/social-media-ebook/
 
References:
“Everydollar: Make a Budget and Track Expenses.” Ramsey Solutions, www.ramseysolutions.com/ramseyplus/everydollar?snid=free-tools.budgeting.everydollar-budget-app.
Dixon, Stacy Jo. “Facebook Monthly Active Users Worldwide 2023.” Statista.Com, Statista, 21 May 2024, www.statista.com/statistics/264810/number-of-monthly-active-facebook-users-worldwide/.
“Free Design Tool: Presentations, Video, Social Media | CANVA.” Canva, www.canva.com/. Accessed 30 Oct. 2024.
“Free Design, Photo, and Video Tool - Design Made Easy | Adobe Express.” Adobe, www.adobe.com/express/. Accessed 30 Oct. 2024.
“Giant - Apps on Google Play.” Google Play, Google, https://www.play.google.com/store/apps/details?id=com.giantfoods.mobile.droid&hl=en. Accessed 30 Oct. 2024.
“Giant Choice Rewards.” Giant, https://www.giantfoodstores.com/rewards/. Accessed 30 Oct. 2024. LLC, Giant Food Stores.
“Giant Food Stores.” App Store, 4 Jan. 2012, https://www.apps.apple.com/us/app/giant-food-stores/id491014869.
“Log into Facebook.” Facebook, www.facebook.com/. Accessed 30 Oct. 2024.
“The 20 Most Popular Social Media Platforms in 2024.” Backlinko, 26 July 2024, www.backlinko.com/social-media-platforms.
“Meta Business Suite.” Facebook, www.facebook.com/business/tools/meta-business-suite. Accessed 30 Oct. 2024.
Dixon, Stacy Jo. “Meta Global Community Monthly Active Users 2023.” Statista.Com, Statista, 26 Apr. 2024, www.statista.com/statistics/947869/facebook-product-mau/.
“Pricing: Compare Free & Premium Plans | Adobe Express.” Adobe, www.adobe.com/express/pricing. Accessed 30 Oct. 2024.
“Shareable Online Calendar and Scheduling.” Google Calendar, Google, www.workspace.google.com/intl/en-US/products/calendar/. Accessed 30 Oct. 2024. Accessed 30 Oct. 2024.
 
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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/

7 Reasons Clients Switch Medicare Plans During AEP

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

FAQs About the Medicare Call Recording Requirements

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

Halfway Through AEP 2025

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

How to Check Medicare Extra Help Eligibility for Your Client

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

Halfway Through AEP: Reflect & Renew Your Medicare Sales Strategies

 
We’re at the midway mark for AEP! It’s time to stop, listen to this episode, and assess if your sales strategy could use some improvements.
  
Read the text version
   
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
5 Pillars of Integrity ft. Jason Meyers: https://link.chtbl.com/ASGM20230925
7 Powerful Practices for Selling Prescription Drug Plans: https://ritterim.com/blog/7-powerful-practices-for-selling-prescription-drug-plans/
Ask Integrity: https://www.askintegrity.com/
Events with Ritter Insurance Marketing: https://ritterim.com/events/
Facebook Basics for Insurance Agents: https://link.chtbl.com/ASG607
FAQs About Third-Party Marketing Organizations (TPMOS) Disclaimers: https://link.chtbl.com/ASG6225
Free eBook & Guides: https://ritterim.com/guides/
Get Your Medicare Advantages Sales Contracts Here – Recommendations for 2025: https://ritterim.com/blog/get-your-medicare-advantage-sales-contracts-here-recommendations-for-2025/
Get Your Portfolio Reviewed: https://ritterim.com/portfolio/
Get Your PlanEnroll Site: https://ritterim.com/planenroll/
How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://link.chtbl.com/ASG6255
How Client Retention Boosts Insurance Sales: https://link.chtbl.com/ASG580
How to Survive AEP: Wellness Tips for Insurance Agents: https://link.chtbl.com/ASG553
Insurance Agents as TPMOS: What CMS Compliance Regulations Mean for You: https://link.chtbl.com/ASG622
Keys to Client Retention: Face-to-Face Communication: https://link.chtbl.com/ASG578
Knight School Online Training: https://ritterim.com/knight-school/
Learn About Integrity’s Tools: https://ritterim.com/integrity-tools/
Learn more about PlanEnroll: https://ritterim.com/planenroll/
MedicareCENTER: https://integrity.com/medicarecenter/
Meet Your Ritter Sales Team: https://ritterim.com/meet-your-sales-team/
PlanEnroll Lead Program Training Registration: https://trainings.planenroll.com/
Should You Hire an Assistant for Your Insurance Business: https://ritterim.com/blog/should-you-hire-an-assistant-for-your-insurance-business/
Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710
Surviving AEP Resource List: https://ritterim.com/aep/
The Beginner’s Guide to D-SNPs: https://ritterim.com/blog/the-beginners-guide-to-dsnps/
The Hidden Value of Selling Medicare Supplements During AEP: https://ritterim.com/blog/the-hidden-value-of-selling-medicare-supplements-during-aep/
The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024
TikTok Basics for Insurance Agents: https://link.chtbl.com/ASG603
When Do Med Supp Plans K, L, M, & N Make Sense: https://ritterim.com/blog/when-do-med-supp-plans-k-l-m-and-n-make-sense/
X (fka Twitter) Basics for Insurance Agents: https://link.chtbl.com/ASG609
What Agents Forget to Do When Preparing for Appointments: https://link.chtbl.com/ASG6245
You’re Not Alone This AEP! https://link.chtbl.com/ASGM20241104
 
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.
“Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs; Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency; Additional Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency.” Federal Register, www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 31 Oct. 2024.
Fichtner, Jason J. “The Peak 65® Zone Is Here Creating a New Framework for America’s Retirement Security.” Protected Income, Protected Lifetime Income Alliance for Lifetime Income, www.protectedincome.org/wp-content/uploads/2024/01/Whitepaper_Fichtner.pdf. Accessed 31 Oct. 2024.
Neil Kokemuller. “Why Do People Buy Brand Names?” Small Business - Chron.Com, Chron.com, 29 Jan. 2019, www.smallbusiness.chron.com/people-buy-brand-names-69654.html.
 
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance   
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

2025 Medicare Part A and B Premiums and Deductibles

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

VA Benefits, Tricare for Life, and Medicare for Veteran Clients

 
Discover how you can help veteran clients utilize VA Benefits, Tricare, and Medicare. Press play to learn more about how these benefits work together!
   
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Affinity Partnerships for Insurance Agents: https://link.chtbl.com/ASG617
How to Ask Your Current Clients for Referrals: https://link.chtbl.com/ASG623
The Complete Guide to Client Loyalty and Retention FREE eBook: https://ritterim.com/client-retention-guide/
The Complete Guide on How to Sell Prescription Drug Plans FREE eBook: https://ritterim.com/pdp-ebook/
The Definite Guide to Getting Leads and Prospecting for Medicare Sales FREE eBook: https://ritterim.com/lead-generation-guide/
Why Client Retention Should Be Your Top Priority: https://link.chtbl.com/ASG581
 
References:
“3 Ways to Avoid the Part D Late Enrollment Penalty.” Medicare.Gov, www.medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/part-d-late-enrollment-penalty/3-ways-to-avoid-the-part-d-late-enrollment-penalty. Accessed 25 Oct. 2024.
“About VA health benefits.” U.S. Department of Veterans Affairs, www.va.gov/health-care/about-va-health-benefits/. Accessed 25 Oct. 2024.
“Current VA Health Care Copay Rates.” U.S. Department of Veterans Affairs, www.va.gov/health-care/copay-rates/. Accessed 25 Oct. 2024.
“Getting Urgent Care at VA or In-Network Community Providers.” U.S. Department of Veterans Affairs, www.va.gov/resources/getting-urgent-care-at-va-or-in-network-community-providers/. Accessed 25 Oct. 2024.
“Pharmacy Benefits Management Services.” U.S. Department of Veterans Affairs, 23 Oct. 2013, www.pbm.va.gov/nationalformulary.asp.
Schaeffer, Katherine. “The Changing Face of America’s Veteran Population.” Pew Research Center, 8 Nov. 2023, www.pewresearch.org/short-reads/2023/11/08/the-changing-face-of-americas-veteran-population/.
“Tricare for Life.” TRICARE, www.tricare.mil/Plans/HealthPlans/TFL. Accessed 25 Oct. 2024.
“Understanding Medicare, Veteran Benefits, and Tricare for Life.” Policy Engineer, 15 Aug. 2024, www.policyengineer.com/understanding-medicare-veteran-benefits-and-tricare-for-life/.
“VA Health Care and Other Insurance.” U.S. Department of Veterans Affairs, www.va.gov/health-care/about-va-health-benefits/va-health-care-and-other-insurance/. Accessed 25 Oct. 2024.
 
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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/

5 Ways to Generate ACA Leads

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

KFF 2025 ACA Open Enrollment Report & Tools

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

Does Your Medicare Sales Approach Satisfy Different Budgets?

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

Agent Apps | Apps to Stay Productive This AEP!

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

You're Not Alone This AEP!

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

REWIND: Unretiring and What it Means for Your Medicare Clients ft. Dan Ford

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

Apple Intelligence iOS 18.1 Features

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