Agent Survival Guide Podcast

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.
 
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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/
 
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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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/

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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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/

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.
 
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.

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.
 
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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/
 
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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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
 
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.

How to Stay Compliant During All Medicare Sales

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

Simplify Marketplace Enrollments with HealthSherpa

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

Educate Clients on OTC Benefits in Medicare Advantage Plans

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

Medigap Deductibles and OOP Costs for 2025

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

 
 
Discover the tech solutions packed into Ask Integrity™, our industry's first AI-powered digital assistant just for insurance agents.
 
Read the text version
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Ask Integrity™ and its features: https://integrity.com/ask-integrity/ 
Integrity Tools: https://ritterim.com/integrity-tools/
MedicareCENTER: https://integrity.com/medicarecenter/
Not partnered with Integrity? Register here: https://identity.integrity.com/register
Ritter Registration: https://app.ritterim.com/public/registration/
What to Do If Your Medicare Part D Plans Become Non-Commissionable: https://ritterim.com/blog/what-to-do-if-your-medicare-part-d-plans-become-non-commissionable/
 
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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/