Agent Survival Guide Podcast

5 Tips for Finding Supplemental Coverage for ACA Plans

 
 
Affordable Care Act Plans offer 10 essential benefits, but your clients may want to additional coverage for dental, vision, hearing, and more. In this episode, learn 5 tips to determine if supplemental coverage is a good option for your clients.
 
Read the text version
  
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
2025 ACA Exchange & FFM Certification Info: https://lnk.to/ZvnhS8
4 Steps to Selling Dental, Vision, and Hearing Insurance: https://ritterim.com/blog/4-steps-to-selling-dental-vision-and-hearing-insurance/
Diversify Your Insurance Portfolio & Reap Real Rewards: https://ritterim.com/blog/diversify-your-insurance-portfolio-and-reap-real-rewards/
Everything You Need  to Know About the ACA OEP: https://ritterim.com/blog/everything-you-need-to-know-about-the-aca-oep/
Halfway Through ACA OEP ft. Danica Stover & Olivia Williams: https://lnk.to/asg635
Meet Your Ritter Sales Team: https://ritterim.com/meet-your-sales-team/
Questions to Ask Clients Shopping for an ACA Plan: https://lnk.to/ZmW0rd
 
References:
Lunna Lopes, Alex Montero. “Americans’ Challenges with Health Care Costs.” KFF, 7 May 2024, https://www.kff.org/health-costs/issue-brief/americans-challenges-with-health-care-costs/.
Published: Oct 25, 2024. “Explaining Health Care Reform: Questions about Health Insurance Subsidies.” KFF, 25 Oct. 2024, https://www.kff.org/affordable-care-act/issue-brief/explaining-health-care-reform-questions-about-health-insurance-subsidies/.
“Find out What Marketplace Health Insurance Plans Cover.” HealthCare.Gov, https://www.healthcare.gov/coverage/what-marketplace-plans-cover/. Accessed 12 Dec. 2024.
“HHS Notice of Benefit and Payment Parameters for 2025 Final Rule.” CMS.Gov, https://www.cms.gov/newsroom/fact-sheets/hhs-notice-benefit-and-payment-parameters-2025-final-rule/. Accessed 12 Dec. 2024.
“Health Plan Categories: Bronze, Silver, Gold & Platinum.” HealthCare.Gov, https://www.healthcare.gov/choose-a-plan/plans-categories/.Accessed 12 Dec. 2024.
“NHE Fact Sheet.” CMS.Gov, https://www.cms.gov/data-research/statistics-trends-and-reports/national-health-expenditure-data/nhe-fact-sheet/. Accessed 12 Dec. 2024.
“Out-of-Pocket Maximum/Limit - Glossary.” HealthCare.Gov, https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/. Accessed 12 Dec. 2024.
Assistant Secretary for Public Affairs (ASPA). “Pre-Existing Conditions.” HHS.Gov, 17 Mar. 2022, https://www.hhs.gov/healthcare/about-the-aca/pre-existing-conditions/index.html.
“Report: The Importance of Health Coverage: AHA.” American Hospital Association, https://www.aha.org/guidesreports/report-importance-health-coverage/. Accessed 12 Dec. 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/

Marketing Trends for 2025

 
Join Sarah as she forecasts marketing trends for 2025 and how those trends apply to insurance agents like you!
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
5 Things from the CMS 2026 MA and Part D Proposed Rule: https://pod.fo/e/28c9d2  
How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://pod.fo/e/27a354  
Instagram Basics for Insurance Agents: https://pod.fo/e/28803f 
 
References:
Jantsch, John. “ 5 Marketing Trends That Will Disrupt 2025 (And How to Stay Ahead).” Ducttapemarketing.Com, Duct Tape Marketing, 4 Dec. 2024, https://ducttapemarketing.com/2025-marketing-trends-how-to-stay-ahead/.  
Chaffey, Dave. “10 Actionable Digital Marketing Trends for 2025.” Smartinsights.Com, Smart Insights, 11 Dec. 2024, https://www.smartinsights.com/digital-marketing-strategy/digital-marketing-trends-2025/.  
Rand, Stephanie. “10 Key Marketing Trends for the US in 2025.” Askattest.Com, Attest, 30 Oct. 2024, https://www.askattest.com/blog/articles/marketing-trends.  
Dionne, Jazmyn. “12 Digital Marketing Trends to Look Out For in 2025.” Hiilite.Com, Hiilite Web Design + Marketing + SEO, 27 Nov. 2024, https://hiilite.com/12-digital-marketing-trends-to-look-out-for-in-2025/.  
Howarth, Josh. “13 Top Marketing Trends (2024 & 2025).” Explodingtopics.Com, Exploding Topics, 11 June 2024, https://explodingtopics.com/blog/marketing-trends.  
Stahl, Stephanie. “40+ Content Marketing Trends Experts Predict Will Matter for Success in 2025.” Contentmarketinginstitute.Com, Content Marketing Institute, 4 Dec. 2024, https://contentmarketinginstitute.com/articles/trends-content-marketing/.  
“2025 Marketing Trends to Watch Out For: Part 1.” Northbeam Blog, Northbeam, 17 July 2024, https://www.northbeam.io/post/2025-marketing-trends-to-watch-out-for-part-1.  
Early, Morgan. “2025 Marketing Trends.” Fullcircleinsights.Com, Full Circle Insights, 6 Dec. 2024, https://fullcircleinsights.com/blog/2025-marketing-trends/.  
Bevel, Christopher. “2025 Outlook: 10 Media and Marketing Trends to Watch.” Amapittsburgh.Org, American Marketing Association Pittsburgh, 19 Oct. 2024, https://amapittsburgh.org/blog/2025-outlook-10-media-and-marketing-trends-to-watch/.  
Bansal, Deepak. “Digital Marketing Trends for 2025 and Beyond.” Forbes, Forbes Magazine, 13 Nov. 2024, https://www.forbes.com/councils/forbesbusinesscouncil/2024/11/13/digital-marketing-trends-for-2025-and-beyond/.  
“Digital Marketing Trends for 2025: Content Strategy.” Spinutech.Com, Spinutech, 26 Nov. 2024, https://www.spinutech.com/digital-marketing/content/strategy/digital-marketing-trends-for-2025-content-strategy/.  
Perry, Hanif. “Four Trends to Feed 2025 Marketing Planning.” Prophet.Com, Prophet Brand Strategy, 2 Dec. 2024, https://prophet.com/2024/08/four-trends-to-feed-2025-marketing-planning/.  
Schultz, Mike. “How Many Touches Does It Take to Make a Sale?” Rainsalestraining.Com, RAIN Group Sales Training, 19 Dec. 2023, https://www.rainsalestraining.com/blog/how-many-touches-does-it-take-to-make-a-sale. 
Krafft, Natalie. “Marketing in 2025: Six Key Trends That Will Drive the Future.” Oppizi.Com, Oppizi, 17 Oct. 2024, https://www.oppizi.com/blog/marketing-trends/marketing-in-2025-five-key-trends-that-will-drive-the-future/.  
“Marketing Trends 2025.” Kantar.Com, Kantar, https://www.kantar.com/campaigns/marketing-trends. Accessed 12 Dec. 2024.  
“Marketing Trends 2025: 13 Trends to Help You Power Through.” Mediatool.Com, Mediatool, 12 Nov. 2024, https://mediatool.com/blog/marketing-trends-2025.  
Yakuel, Pini. “Marketing Trends 2025: Predictions, Tips, & Technologies to Thrive.” Optimove.Com, Optimove, 25 Nov. 2024, https://www.optimove.com/blog/marketing-trends-2025-top-predictions.  
“Ready for 2025? The Marketing Trends That Could Change Everything.” Obaninternational.Com, Oban International, 29 Oct. 2024, https://obaninternational.com/blog/the-marketing-trends-set-to-rule-2025/.  
Concannon, Lance. “The Biggest Marketing Trends for 2025.” Meltwater, Meltwater, 22 Nov. 2024, https://www.meltwater.com/en/blog/marketing-trends-2025.  
“The Top Digital Marketing Trends You Need to Know for 2025.” Abstraktmg.Com, Abstrakt Marketing Group, 29 Oct. 2024, https://www.abstraktmg.com/digital-marketing-trends/.  
Phil, Wilson. “Top 2025 Digital Marketing Trends: AI, MMM, and More.” Thinkwithgoogle.Com, Google, Dec. 2024, https://www.thinkwithgoogle.com/intl/en-emea/consumer-insights/consumer-trends/digital-marketing-trends-2025/.  
Treanor, Tom. “What Is First-Party Data? How To Build a First-Party Data Strategy.” Cdp.Com, The Customer Data Platform Resource, https://cdp.com/articles/what-is-first-party-data-and-why-is-it-so-important/. Accessed 12 Dec. 2024.  
Yakuel, Pini. “Zero-Party Data, Infinite Potential: Marketing Trends to Watch in 2025.” CMSWire.Com, CMSWire, 10 Dec. 2024, https://www.cmswire.com/digital-marketing/zero-party-data-infinite-potential-marketing-trends-to-watch-in-2025/.  
“Zero Party Data vs First, Second & Third Party Data Explained.” Usercentrics.Com, Usercentrics, 1 Nov. 2024, https://usercentrics.com/knowledge-hub/zero-first-and-third-party-data/.  
  
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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. 

Lessons Learned in 2024

 
Take a moment with Tina as she reflects on the past year. Hear about the lessons she’s learned and the mindset she’s taking into 2025.
  
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Build Your Brand with Community Involvement: https://ritterim.com/blog/build-your-brand-with-community-involvement/
Creating Margin & Taking Back Control of Your Time: https://pod.fo/e/2870fb 
Finding Motivation: https://pod.fo/e/28a23f
Top 5 Apps of 2024: https://pod.fo/e/28f3cb
 
References:
“Mind-Body Connection: What Is It and How to Strengthen It.” Calm Blog, Calm Blog, 6 Mar. 2024, https://www.calm.com/blog/mind-body-connection.
“Calm Body, Calm Mind - Meditation.” Headspace, https://www.headspace.com/content/meditation/calm-body-calm-mind/8282. Accessed 18 Dec. 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/

Setting SMART Goals in 2025

 
No resolutions, just goals! Join Sarah as she explains how to set SMART goals for your insurance business in 2025.
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
5 Business Podcasts to Follow: https://pod.fo/e/2921db
5 Things from the CMS 2026 MA and Part D Proposed Rule: https://pod.fo/e/28c9d2             
Instagram Basics for Insurance Agents: https://pod.fo/e/28803f
 
References:
Alexander, Lucy. “How I Write SMART Goals and Make Them a Reality.” Blog.Hubspot.Com, HubSpot Blog, 26 July 2024, blog.hubspot.com/marketing/how-to-write-a-smart-goal-template.
Dan Harris, Ph.D. “How to Make Your SMART Goals Even SMARTER.” Quantumworkplace.Com, Quantum Workplace, www.quantumworkplace.com/podcast/how-to-make-your-smart-goals-even-smarter. Accessed 9 Dec. 2024.
“How to Set Goals for 2025.” AFP, Association for Financial Professionals, 20 Nov. 2024, www.afponline.org/training-resources/resources/articles/Details/how-to-set-goals-for-2025.
Boogaard, Kat. “How to Write Smart Goals (with Examples).” Atlassian.Com, Atlassian, 12 Sept. 2024, www.atlassian.com/blog/productivity/how-to-write-smart-goals.
Bell, Simon. “SMART Goals.” Edited by Cat McLeod, Mindtools.Com, MindTools, www.mindtools.com/a4wo118/smart-goals. Accessed 9 Dec. 2024.
“The SMARTER Method To Help You Define and Manage Your Business Goals.” Solocom, Solocom, solocom.ca/en/smarter-method/. Accessed 9 Dec. 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.

Agent Apps | Get Focused with These Apps

 
Do you want to manage your time better? Are you checking your phone when you should be focusing? Check out these apps to help you focus and take back your time! 
  
Freedom Official Site: https://freedom.to/ 
Toggl Track Official Site: https://toggl.com/ 
  
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. 
  
Resources:
5 Ways to Generate ACA Leads: https://pod.fo/e/28139a  Finding Motivation: https://pod.fo/e/28a23f  The Guide to Making Money Selling Insurance FREE eBook Download: https://ritterim.com/making-money-selling-insurance/  Top 10 Holiday Toys of 2024: https://pod.fo/e/287dd6    
References:
Be Incredibly Focused & Productive.” Freedom, https://freedom.to/. Accessed 5 Dec. 2024.  “TOGGL Track: Time Tracking Software for Any Workflow.” Toggl Track: Time Tracking Software for Any Workflow, https://toggl.com/. Accessed 5 Dec. 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.  

5 Marketing Podcasts to Follow

 
Prepare your business for a fresh new year by listening to these 5 podcasts!
   
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
5 Marketing Podcasts to Follow:
Agent Survival Guide Podcast: https://ritterim.com/podcast/
Do This, Not That! https://jayschwedelson.com/podcast/
The Influencer Podcast: https://juliesolomon.net/podcast/
The Mindful Marketing Podcast: https://onlinedrea.com/podcast/
The Online Marketing Made Easy Podcast: https://www.amyporterfield.com/digital-marketing-podcast/
 
Resources:
Best Video Editing Apps for Social Media: https://pod.fo/e/28aaf5  
How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://pod.fo/e/27a354
How to Ask Your Current Clients for Referrals: https://pod.fo/e/28aae7
Instagram Basics for Insurance Agents: https://pod.fo/e/28803f
Modern Medicare Marketing for Today’s Agents FREE eBook Download: https://ritterim.com/modern-marketing-guide/
Simplify Marketplace Enrollments with HealthSherpa: https://pod.fo/e/27a351
Social Media Marketing for Insurance Agents FREE eBook Download: https://ritterim.com/social-media-ebook/
 
References:
“Digital Marketing & Social Media Podcast To Grow Your Business.” OnlineDrea, 5 July 2024, https://onlinedrea.com/podcast/.
“Do This, Not That! For Marketers Only!” Jay Schwedelson, 8 Dec. 2023, https://jayschwedelson.com/podcast/.
“Online Marketing Made Easy Business Podcast: Amy Porterfield.” Amy Porterfield | Online Marketing Expert, 21 Aug. 2024, https://www.amyporterfield.com/digital-marketing-podcast/.
“The Agent Survival Guide Podcast.” Ritter Insurance Marketing, https://ritterim.com/podcast/. Accessed 3 Dec. 2024.
“The Influencer Podcast.” Julie Solomon, 8 Feb. 2023, https://juliesolomon.net/podcast/.
 
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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.

Top 5 Episodes of 2024

 
Join Sarah as she counts down the top 5 Agent Survival Guide Podcast episodes of 2024! Find out if your favorite episode made the cut… and thanks for listening this year!
 
Number Five: [02:22]
Number Four: [21:29]
Number Three: [31:18]
Number Two: [39:18]
Number One: [01:04:19]
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
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/
 
Links to Individual Episodes:
5 Perks of Being a Part-Time Insurance Agent: https://pod.fo/e/28ab20
Agent’s Guide to Email Communication Resources: https://pod.fo/e/28ab27
Developing a Retention Mindset ft. Blake Amos: https://pod.fo/e/28ab52
Key Changes for ACA Open Enrollment 2025 ft. Ross Baker: https://pod.fo/e/28aaeb
Using a SWOT Analysis to Review Your Insurance Business: https://pod.fo/e/28ab7f
 
Additional Episodes You Might Like:
5 Things About Prepping for the Insurance License Exam: https://pod.fo/e/28ab2c
9 Essential Tools for Beginner Insurance Agents: https://pod.fo/e/28ab2e
How Much Can Agents Make Selling Under-65 Insurance: https://pod.fo/e/28aaf7
Simplify Marketplace Enrollments with HealthSherpa: https://pod.fo/e/27a351
Steps to Get Ready for OEP: Federal & State Exchanges: https://pod.fo/e/28aaf6
What Today's Financial Environment Means for Medicare Beneficiaries & Agents: https://pod.fo/e/28aafb
 
Resources for Insurance Agents:
Developing an Agency — Your Guide to Getting Started: https://www.ritterim.com/agency-guide/
Email Template for Client Check-in: https://ritterim.com/documents/client-check-in-email-template.docx
FMO vs. IMO vs. NMO vs. MGA vs. GA: What’s the Difference? https://ritterim.com/blog/fmo-vs-imo-vs-nmo-vs-mga-vs-ga-whats-the-difference/
How Professional Organizations Make You a Better Agent: https://ritterim.com/blog/how-professional-organizations-make-you-a-better-agent/
Increase Sales and Productivity with the Busy Medicare Agent’s Sales Planner: https://www.ritterim.com/blog/increase-sales-and-productivity-with-the-busy-medicare-agents-sales-planner/
Modern Medicare Marketing for Today's Agents: https://www.ritterim.com/modern-marketing-guide/
Request a Portfolio Review from Ritter Insurance Marketing: https://ritterim.com/portfolio/
Ritter Agent Handbook: https://docs.ritterim.com/documents/compliance/Ritter-Agent-Handbook-2024.pdf
Ritter Insurance Marketing Official Site: https://ritterim.com/
Stay Organized with the Busy ACA Agent’s Sales Calendar: https://www.ritterim.com/blog/stay-organized-with-the-busy-aca-agents-sales-calendar/
The Complete Guide to Client Loyalty and Retention: https://ritterim.com/client-retention-guide/
The Complete Guide to Selling Affordable Care Act Insurance Plans: https://ritterim.com/aca-ebook/
The Ultimate Agent Resource List Pt. 1: Market Yourself: https://www.ritterim.com/blog/the-ultimate-agent-resource-list-pt.-1-market-yourself/
Your Step-By-Step Guide to Getting Started in Insurance Sales: https://ritterim.com/free-guide/?utm_source=asg_podcast_link
 
Not affiliated with or endorsed by Medicare or any government agency.
 
The resources in Agent's Guide to Email Communication Reesources are the opinions of staff and agents who work with Ritter Insurance Marketing. We cannot guarantee that an agent’s business will succeed if utilizing these recommendations. An agents is solely responsible for making all decisions and taking actions related to their business.

5 Holiday Podcast Recommendations

 
 
Celebrate the upcoming Ho-Ho-Holidays with these podcast recommendations! Sarah has picks that will keep you in a jolly, festive mood as you make your preparations.
 
Mentioned in this Episode:
Nicked: Official Site | Apple | Spotify 
Scrooge: A Christmas Carol Podcast: Official Site | Apple | Spotify 
The Nutcracker Podcast: Official Site | Apple | Spotify 
‘Tis the Grinch Holiday Podcast: Apple | Spotify | Wondery 
Welcome to Tinsel Town: Apple | Spotify 
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
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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. 

Agent Apps | Apps for Wellness

 
There are apps for just about everything! In this episode, Tina reviews apps to help you on your wellness journey.
Balance Official Website: https://balanceapp.com/ 
Daylio Official Website: https://daylio.net/ 
Macros Calorie Counter Official Website: https://macros.app/ 
  
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@RitterIM.com or call 1-717-562-7211 and leave a voicemail. 
  
Resources:
Budget-Friendly Streaming Services: https://pod.fo/e/28aaea 
Eating Frogs & Slaying Dragons: https://pod.fo/e/2870fc
Instagram Basics for Insurance Agents: https://pod.fo/e/28803f  
Tips for Insurance Agents Working on the Road: https://ritterim.com/blog/tips-for-insurance-agents-working-on-the-road/  
Top 10 Holiday Toys of 2024: https://pod.fo/e/287dd6  
Ritter Staff’s Top 5 Apps: https://pod.fo/e/28515e  
  
References:
“Discover Macros.” Macros App - Calorie Counter, https://macros.app/. Accessed 27 Nov. 2024. 
“Discover Personalized Meditation with the Balance App.” Discover Personalized Meditation with the Balance App,
https://balanceapp.com/. Accessed 27 Nov. 2024. 
“Journal, Diary and Mood Tracker.” Daylio, https://daylio.net/. Accessed 27 Nov. 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 (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. 

5 Business Podcasts to Follow

 
We searched the internet to compile a list of the top 5 business podcasts in 2024. Listen to find out what shows made the list, and let us know what you’ve been listening to this year!  
   
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@RitterIM.com or call 1-717-562-7211 and leave a voicemail.
 
Business Podcasts to Follow:
Pivot: https://podcasts.voxmedia.com/show/pivot
The $100 MBA: https://100mba.net/mba2549/
Business Breakdowns: https://joincolossus.com/series/business-breakdowns/
The Tim Ferriss Show: https://tim.blog/podcast/
Money Rehab: https://chartable.com/podcasts/money-rehab-with-nicole-lapin
 
Resources:
Agent Apps | Best eBook & Audiobook Apps: https://pod.fo/e/27a355 
Agent Apps | Ritter Staff’s Top 5 Apps: https://pod.fo/e/28515e 
Top 10 Holiday Toys of 2024: https://pod.fo/e/287dd6 
The Power of Listening & Laughter: https://pod.fo/e/2870fa 
 
References:
Han, Juliette. “3 Great Business Podcasts for Business Leaders and Builders.” Forbes, Forbes Magazine, 20 Feb. 2024, https://www.forbes.com/sites/juliettehan/2024/02/17/3-great-business-podcasts-for-business-leaders-and-builders/.
Schooley, Skye. “Best Business Podcasts of 2024.” Business.Com, https://www.business.com/articles/best-business-podcasts/. Accessed 26 Nov. 2024.
“Business on Apple Podcasts.” Apple Podcasts, podcasts.apple.com/us/genre/1321. Accessed 26 Nov. 2024.
“Business Podcasts 2024.” Winners Webby Awards, The Webby Awards, winners.webbyawards.com/winners/podcasts/shows/business?years=0. Accessed 26 Nov. 2024. “The 20 Best
Business Podcasts in 2024.” The Investor’s Podcast Network, 6 Aug. 2024, https://www.theinvestorspodcast.com/podcasts/20-best-business-podcasts/.
Lower Street. “The 18 Best Business Podcasts Worth Listening To.” Lower Street, lowerstreet.co/blog/best-business-podcasts. Accessed 26 Nov. 2024.
Howarth, Josh. “Top 18 Business Podcasts (2024).” Exploding Topics, Exploding Topics, 3 June 2024, explodingtopics.com/blog/business-podcasts.
“Top Free Business Podcasts.” Audible.Com, https://www.audible.com/charts/free-business-podcasts/23593497011. Accessed 26 Nov. 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 (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.

ASG Podcast Holiday Gift Guide

 
Join Sarah and Tina as they chat about their favorite gifts to give during this festive (and busy!) time of year. Consider this your survival guide for holiday gift-giving!
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Mentioned in this episode:
Alter Eco Foods: https://www.alterecofoods.com/  
Penzeys Spices: https://www.penzeys.com/  
Torchbearer Sauces: https://www.torchbearersauces.com/  
Unreal Snacks: https://unrealsnacks.com/
 
Other episodes you might like:
Best Mobile Group Games! https://pod.fo/e/28b5ed  
Instagram Basics for Insurance Agents: https://pod.fo/e/28803f   
Top Holiday Toys of 2024: https://pod.fo/e/287dd6  
 
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. 

Agent Apps | Top 5 Apps of 2024

 
Tina searched all the top lists and poured over user reviews to bring you the top 5 apps of 2024. Listen to find out which apps made the list!
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Partiful: https://partiful.com/
Temu: https://www.temu.com/temu-app.html
Slack: https://slack.com/
QuickBooks: https://quickbooks.intuit.com/
Monopoly Go: https://www.monopolygo.com/
 
Resources
Apps for Tracking Business Expenses: https://pod.fo/e/28ab04
Best Video Editing Apps for Social Media: https://pod.fo/e/28aaf5
Does Your Medicare Sales Approach Satisfy Different Budgets? https://pod.fo/e/27f3bc
How to Check Medicare Extra Help Eligibility for Your Client: https://pod.fo/e/282827
Ritter Staff’s Top 5 Apps: https://pod.fo/e/28515e
 
References:
“Free Online Party Invites.” Partiful, https://partiful.com/. Accessed 21 Nov. 2024. Bright, Sam. “Google Play’s Best Apps and Games of 2024.” Google, Google, 18 Nov. 2024, blog.google/products/google-play/google-play-best-apps-games-2024/.
“Monopoly Go!” MONOPOLY GO!, www.monopolygo.com/. Accessed 21 Nov. 2024.
“Most Popular Apps 2024: Global Stats & Rankings.” Backlinko, 21 Nov. 2024, https://backlinko.com/most-popular-apps.
“Most Popular Apps (2024).” Business of Apps, 5 Nov. 2024, https://www.businessofapps.com/data/most-popular-apps/.
Slack. “Ai Work Management & Productivity Tools.” Slack, https://slack.com/. Accessed 21 Nov. 2024.
“Temu App.” Temu, https://www.temu.com/temu-app.html. Accessed 21 Nov. 2024.
Feng, Emily. “Why Hundreds of Online Merchants Are Protesting What They Call Temu’s Arbitrary Fines.” NPR, NPR, 2 Aug. 2024, https://www.npr.org/2024/08/02/nx-s1-5058537/why-hundreds-of-online-merchants-are-protesting-what-they-call-temus-arbitrary-fines.
“QuickBooks®: Official Site: Smart Tools. Better Business.” QuickBooks®: Official Site | Smart Tools. Better Business., https://quickbooks.intuit.com/. Accessed 21 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 (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.

Halfway Through ACA OEP ft. Danica Stover & Olivia Williams

 
You made it halfway through the Affordable Care Act Open Enrollment! We’ve got market updates, sales and lead generation tips, and more with special guests Danica Stover and Olivia Williams from Ritter Insurance Marketing’s Under-65 Health Team.  
 
Get in touch with the Under-65 Health Team at u65healthsupport@ritterim.com or call 1-800-469-1847. Contact the Agent Survival Guide Podcast!
 
Resources:
ACA Basics – Knight School Training: https://ritterim.com/knight-school/solid-foundation/aca-basics/1/
Agent Requirements for ACA Sales: https://ritterim.com/blog/agent-requirements-for-aca-sales/
ASG Content Info: Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Consumer Authorization Form: https://ritterim.com/documents/aca-consumer-authorization-form-template.pdf
Ritter Docs Site Under 65 Health: https://docs.ritterim.com/products/under-65-health/
Simplify Marketplace Enrollments with HealthSherpa: https://pod.fo/e/27a351
The Complete Guide to Selling Affordable Care Act Insurance Plans FREE eBook Download: https://ritterim.com/aca-ebook/
Under-65 Health Products: https://ritterim.com/products/under-65/
Guides to Marketing & Communications:
Agent's Guide to Digital Marketing Resources: https://pod.fo/e/28ab4d  
Agent's Guide to Email Communication Resources: https://pod.fo/e/28ab27  
Agent's Guide to Mail Communication Resources: https://pod.fo/e/28ab0b
Agent's Guide to Partner Marketing Resources: https://pod.fo/e/28ab4b
Agent's Guide to Phone Communication Resources: https://pod.fo/e/28ab12
Agent's Guide to Social Media Communication Resources: https://pod.fo/e/28ab16  
Agent's Guide to Text Communication Resources: https://pod.fo/e/28ab24
Agent's Guide to Traditional Marketing Resources: https://pod.fo/e/28ab4e  
Agent's Guide to Video Communication Resources: https://pod.fo/e/28ab2b
 
References:
“Home Page.” Health Reform Beyond the Basics, Center on Budget and Policy Priorities, 8 Nov. 2023, https://www.healthreformbeyondthebasics.org/.
“Marketplace 2025 Open Enrollment Fact Sheet.” CMS.Gov, https://www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-fact-sheet/. Accessed 6 Dec. 2024.   
“Nearly 988,000 New Consumers Selected Affordable Health Coverage in ACA Marketplace so Far.” CMS.Gov, https://www.cms.gov/newsroom/press-releases/nearly-988000-new-consumers-selected-affordable-health-coverage-aca-marketplace-so-far/. Accessed 6 Dec. 2024.
“Plan Year 2025 Qualified Health Plan Choice and Premiums in HealthCare.Gov Marketplaces.” CMS, Centers for Medicare and Medicaid, https://www.cms.gov/files/document/2025-qhp-premiums-choice-report.pdf/. Accessed 6 Dec. 2024.
Lo, Justin, et al. “Ten Things to Watch for 2025 ACA Open Enrollment.” KFF, 30 Oct. 2024, https://www.kff.org/policy-watch/ten-things-to-watch-for-2025-aca-open-enrollment/.
“The Premium Tax Credit and Related Spending.” CBO, Congressional Budget Office, https://www.cbo.gov/system/files/2024-07/60523-2024-07-premium-tax-credit.pdf/. Accessed 6 Dec. 2024.
“With ACA Subsidies Set to Expire in 2025, Millions of Americans Stand to Lose Health Insurance.” CBS News, CBS Interactive, https://www.cbsnews.com/news/trump-aca-subsidies-health-insurance-affordable-care-act-congress/. Accessed 6 Dec. 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 (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.
 

5 Things from the CMS 2026 MA and Part D Proposed Rule

 
This week, join Sarah as she takes a closer look at 5 provisions from the CMS 2026 MA and Part D Proposed Rule.
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Best Mobile Group Games! https://pod.fo/e/28b5ed
Instagram Basics for Insurance Agents: https://pod.fo/e/28803f
The Power of Listening & Laughter: https://pod.fo/e/2870fa
 
References:
“Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-P).” CMS.Gov, Centers for Medicare & Medicaid Services, 26 Nov. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription.
“Medicare and Medicaid Programs: Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” FederalRegister.Gov, Federal Register, www.federalregister.gov/public-inspection/2024-27939/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare. Accessed 4 Dec. 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.

Best Mobile Group Games!

 
Stay entertained with family and friends with these games for large parties!
 
Gogogo! App Store: https://apps.apple.com/us/app/gogogo-the-party-game/id1517869671
Gogogo! Google Play: https://play.google.com/store/apps/details?id=com.Studiosaurus.Gogogothegame&hl=en_US
Jackbox Games Official Website: https://www.jackboxgames.com/games/
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Best Video Editing Apps for Social Media: https://pod.fo/e/28aaf5  
Budget-Friendly Streaming Services: https://pod.fo/e/28aaea
Educate Clients on OTC Benefits in Medicare Advantage Plans: https://pod.fo/e/27a352
How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://pod.fo/e/27a354  
Staying Motivated Amidst Change & Disruption: https://pod.fo/e/28aaec
 
References:
“Are Your Games Family Friendly? What Are They Rated? – Jackbox Games.” Support Jackbox Games, support.jackboxgames.com/hc/en-us/articles/15794785491351-Are-your-games-family-friendly-What-are-they-rated. Accessed 14 Nov. 2024.
Wiki, Contributors to Jackbox Games. “The Jackbox Party Pack (Series).” Jackbox Games Wiki, Fandom, Inc., www.jackboxgames.fandom.com/wiki/The_Jackbox_Party_Pack_(series)#The_Jackbox_Party_Pack_10. Accessed 14 Nov. 2024.
“Party! Play Silly Party Games with Friends.” Gogogo, gogogo.gg/. Accessed 14 Nov. 2024.
“Plan Your next Family Game Night with Jackbox Games.” Jackbox Games, hello.jackboxgames.com/jackbox-for-families/. Accessed 14 Nov. 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 (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.