Agent Survival Guide Podcast
Business
Episodes
Thursday Oct 17, 2024
Thursday Oct 17, 2024
Flip the script from disruption to opportunity! Ted Sims from Integrity Marketing Group joins Sarah to chat about how to prepare for potential Medicare beneficiary shopping as well as how agents can use Integrity tools to streamline work and save time.
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Register for Ted Sims' Plan N for the Win Webinar!
Resources:
Ask Integrity Guide: https://learningcenter.tawebhost.com/Integrity-Getting-Started-Ask-Integrity.pdf
Learn about Ask Integrity™: https://integrity.com/ask-integrity/
Learn more about PlanEnroll: https://ritterim.com/planenroll/
Integrity Learning Center: https://clients.integrity.com/learning-center
Integrity Training Schedule: https://learningcenter.tawebhost.com/MedicareCENTER-Webinar-Schedule.pdf
MedicareCENTER:https://integrity.com/medicarecenter/
Not partnered with Integrity? Register here: https://identity.integrity.com/register
Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710
Tech News Roundup: https://link.chtbl.com/ASGF20240927
What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005
References:
Haubensak, Carrie. “2023 Medicare Supplement Loss Ratios by Plan.” CSG Actuarial, CSG Actuarial, csg-actuarial-wordpress.appspot.com/news/2023-medicare-supplement-loss-ratios-by-plan. Accessed 16 Oct. 2024.
“2023 Minnesota Statutes.” Revisor.MN.Gov, Minnesota Office of the Revisor of Statutes, www.revisor.mn.gov/statutes/. Accessed 16 Oct. 2024.
Feekin, Doug. “Average Medicare Supplement Rate Increases Lower in 2021.” CSG Actuarial, CSG Actuarial, 15 Sept. 2021, www.csgactuarial.com/news/average-medicare-supplement-rate-increases-lower-in-2021/.
“Does Your Provider Accept Medicare as Full Payment?” Medicare.Gov, Medicare, www.medicare.gov/basics/costs/medicare-costs/provider-accept-Medicare. Accessed 16 Oct. 2024.
“GA R&R - Guaranteed Issue for Eligible Persons.” Rules.Sos.GA.Gov, State of Georgia, rules.sos.ga.gov/GAC/120-2-8-.12?urlRedirected=yes&data=admin&lookingfor=120-2-8-.12. Accessed 16 Oct. 2024.
“Health Care Practitioners Medicare Fee Control Act.” Legis.State.Pa.Us, PA General Assembly, 10 July 1990, www.legis.state.pa.us/WU01/LI/LI/US/PDF/1990/0/0081..PDF.
“March 2023 Report to the Congress: Medicare Payment Policy.” MedPAC.Gov, Med Pac, 15 Mar. 2023, www.medpac.gov/document/march-2023-report-to-the-congress-medicare-payment-policy/.
“Massachusetts Bulletin for People with Medicare.” Mass.Gov, Commonwealth of Massachusetts, https://www.mass.gov/doc/addendumpdf/download. Accessed 16 Oct. 2024.
“Medicare Balance Billing Brochure.” ODH.Ohio.Gov, Ohio Department of Health, odh.ohio.gov/know-our-programs/medicare-balance-billing/resources/medicare-balance-billing-brochure. Accessed 16 Oct. 2024.
“Medicare E-Visits.” Medicare.Gov, Medicare, www.medicare.gov/coverage/e-visits-0. Accessed 16 Oct. 2024.
“Medicare Participating Physician or Supplier Agreement.” CMS.Gov, Centers for Medicare & Medicaid Services, 1 Nov. 2022, www.cms.gov/medicare/cms-forms/cms-forms/downloads/cms460.pdf.
“Medicare Participation Announcement.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/medicare-participation-announcement.pdf. Accessed 16 Oct. 2024.
“Medigap Plan N Benefits & Costs 2024.” MedicareSupplement.Com, TZ Insurance Solutions, www.medicaresupplement.com/medigap/plans/n/?force_destination=c3cee4730cf2fe66. Accessed 16 Oct. 2024.
“Medicare Supplement Insurance Minimum Standards.” Rules.Sos.Ri.Gov, Rhode Island Department of State, rules.sos.ri.gov/regulations/part/230-20-30-7. Accessed 16 Oct. 2024.
“Medicare Supplement Insurance Minimum Standards Regulations.” Dfr.Vermont.Gov, State of Vermont Department of Financial Regulation, dfr.vermont.gov/reg-bul-ord/medicare-supplement-insurance-minimum-standards-regulations. Accessed 16 Oct. 2024.
“Medicare Supplement Premium Rates – Looking to the Past and Planning for the Future.” GenRe.Com, Gen Re, 24 Oct. 2023, www.genre.com/us/knowledge/publications/2023/october/medicare-supplement-premium-rates-en.
Noga, Russel. “Rate Increase History for Medigap Plans.” Medisupps.Com, Medisupps.com, 10 Jan. 2024, www.medisupps.com/rate-increase-history-for-medigap-plans/.
Boccuti, Cristina. “Paying a Visit to the Doctor: Current Financial Protections for Medicare Patients When Receiving Physician Services.” KFF, KFF, 9 Jan. 2017, www.kff.org/medicare/issue-brief/paying-a-visit-to-the-doctor-current-financial-protections-for-medicare-patients-when-receiving-physician-services/.
“Revised Questions and Answers Regarding Implementation of Medicare Supplement Plan N Copayment, Deductible and Coinsurance .” CMS.Gov, Centers for Medicare & Medicaid Services, 10 Apr. 2010, www.cms.gov/medicare/health-plans/medigap/medigap-news-email-updates-items/cms1234920.
“Supplemental Insurance (Medigap) Plans in Georgia.” Medicare.Gov, Medicare, www.medicare.gov/medigap-supplemental-insurance-plans/#/m/plans?fips=13057&zip=30115&year=2025&lang=en. Accessed 16 Oct. 2024.
Fuglesten Biniek, Jeannie, et al. “Traditional Medicare Spending Fell Almost 6% in 2020 as Service Use Declined Early in the COVID-19 Pandemic.” KFF, KFF, 1 June 2022, www.kff.org/medicare/issue-brief/traditional-medicare-spending-fell-almost-6-in-2020-as-service-use-declined-early-in-the-covid-19-pandemic/.
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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/
Wednesday Oct 16, 2024
Wednesday Oct 16, 2024
Do you have everything you’ll need for a full day of sales appointments? This small list of actionable to-dos can make a big impact on staying organized and stress-free this AEP!
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Resources:
2025 Medicare Advantage and Medicare Part D Premiums: https://link.chtbl.com/ASGF20241004
Get started with MedicareCENTER: https://identity.integrity.com/register
How to Prepare for AEP Like a Pro: https://ritterim.com/blog/how-to-prepare-for-aep-like-a-pro/
Learn more about Ask Integrity: https://www.askintegrity.com/
Staying Motivated Amidst Change & Disruption: https://link.chtbl.com/ASGM20240710
What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005
References:
“5 Tips for Using a Cell Phone Car Charger.” Nonda.Co, Nonda, 21 June 2018, www.nonda.co/blogs/news/5-tips-for-using-a-cell-phone-car-charger.
Nesmith, Meghan. “Clean IQ: What’s Really in Those Tide to Go Pens? And Why Don’t You Have to Rinse Them?” Apartment Therapy, Apartment Therapy, 3 May 2019, www.apartmenttherapy.com/tide-to-go-how-to-use-268453.
Braverman, Jody. “What Are the Side Effects of Not Eating? | Livestrong.” LIVESTRONG.COM, Leaf Group, www.livestrong.com/article/134155-what-are-side-effects-not-eating/. Accessed 7 Oct. 2024.
Naftulin, Julia. “What Is ‘Hangry’? Feeling Angry from Not Eating Is a Real Thing.” Health.Com, Health, 24 Sept. 2024, www.health.com/nutrition/what-is-hangry.
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/
Wednesday Oct 16, 2024
Wednesday Oct 16, 2024
Your client receives a letter saying they are ineligible for Marketplace Coverage. What can they do? Learn how to assist your clients with filing Marketplace eligibility appeals!
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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/
Agent Requirements for ACA Sales: https://ritterim.com/blog/agent-requirements-for-aca-sales/
Everything Agents Need to Know About Selling in Sate-Based Marketplaces: https://ritterim.com/blog/everything-agents-need-to-know-about-selling-in-state-based-marketplaces/
Free eBooks & Guides: https://ritterim.com/guides/
How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://link.chtbl.com/ASG579/
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/
Register with Ritter: https://app.ritterim.com/public/registration/
Simplify Marketplace Enrollments with HealthSherpa: https://ritterim.com/blog/simplify-marketplace-enrollments-with-healthsherpa/
References:
“Find Out What Marketplace Health Insurance Plans Cover.” HealthCare.Gov, Health Insurance Marketplace, www.healthcare.gov/coverage/what-marketplace-plans-cover/. Accessed 22 Aug. 2024.
“What to Do If Your Marketplace Appeal Is ‘Invalid.’” Centers for Medicare & Medicaid, Health Insurance Marketplace, www.cms.gov/marketplace/outreach-and-education/marketplace-appeal-invalid.pdf. Accessed 22 Aug. 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/
Monday Oct 14, 2024
Monday Oct 14, 2024
Your clients are a great resource to generate new leads. Happy and loyal clients will tell friends and family about your remarkable service. Find out how to build a referral network with current clients to grow your business!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
Building Client Loyalty: More Than Just a Plan: https://link.chtbl.com/ASG496
Generate Medicare Leads Using Marketing Materials from ShopRitterIM: https://ritterim.com/blog/generate-medicare-leads-using-marketing-materials-from-shopritterim/
How Insurance Agents Can Learn About Their Social Media Audience: https://ritterim.com/blog/how-insurance-agents-can-learn-about-their-social-media-audience/
Integrity Tools: https://ritterim.com/integrity-tools/
Register with Ritter: https://app.ritterim.com/public/registration/
Shop Ritter Insurance Marketing: https://shopritterim.com/
The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships FREE eBook: https://ritterim.com/insurance-affinity-partnerships/
The Insurance Agent’s Guide to Generating Referrals FREE eBook: https://ritterim.com/insurance-referral-generation/
The Ritter Blog: https://ritterim.com/blog/
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:
“Free Design Tool: Presentations, Video, Social Media | CANVA.” Canva, Canva, www.canva.com/. Accessed 31 July 2024.
“Free Online Document Editing with Microsoft Word: Microsoft 365.” Free Online Document Editing with Microsoft Word | Microsoft 365, Microsoft, www.microsoft.com/en-us/microsoft-365/word. Accessed 25 Sept. 2024.
“Global Trust in Advertising and Brand Messages.” Nielsen, The Nielsen Company, 21 July 2022, www.nielsen.com/insights/2012/global-trust-in-advertising-and-brand-messages-2/.
Max Freedman. “Why Word of Mouth Beats Traditional Advertising.” Business News Daily, Business News Daily, 17 Jan. 2024, www.businessnewsdaily.com/2353-consumer-ad-trust.html.
“Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 25 Sept. 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/
Saturday Oct 12, 2024
Saturday Oct 12, 2024
CMS recently announced changes that will affect Dual Eligible Special Needs Plans. Press play to learn how this affects you and your D-SNP clients for the upcoming plan year!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
4 Ways PlanEnroll Will Make This Your Best AEP Yet: https://link.chtbl.com/ASG617R5
2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://link.chtbl.com/ASGN20240808
2025 Medicare Market Disruption Means Opportunity for Agents: https://ritterim.com/follow-medicare-changes/
2025 Medicare Part D Redesign Updates: https://ritterim.com/blog/2025-medicare-part-d-redesign-updates/
CMS Announces Part D Savings & 2025 Maximum Fair Prices for First 10 Medicare-Negotiated Drugs: https://link.chtbl.com/ASG619R5
Get Your Portfolio Reviewed by Ritter: https://ritterim.com/portfolio/
Learn more about PlanEnroll: https://ritterim.com/planenroll/
The Beginner’s Guide to D-SNPs: https://ritterim.com/blog/the-beginners-guide-to-dsnps/
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
Ritter Fact Finder Free PDF Download: https://ritterim.com/documents/ritter-fact-finder.pdf
References:
Barnette, Lindsay P. “Guidance for States Seeking to Leverage New ...” CMS, Centers for Medicare & Medicaid Services, 25 Aug. 2022, www.cms.gov/files/document/stateoppsintegratedcareprogs.pdf.
Freed, Salama, et al. “10 Things to Know About Medicare Advantage Dual-Eligible Special Needs Plans (D-SNPs).” KFF, KFF, 9 Feb. 2024, www.kff.org/medicare/issue-brief/10-things-to-know-about-medicare-advantage-dual-eligible-special-needs-plans-d-snps/.
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/
Tuesday Oct 08, 2024
Tuesday Oct 08, 2024
Discover what's new for the ACA Market in PY 2025. HealthSherpa's Ross Baker joins Sarah to discuss changes and updates for the upcoming Open Enrollment Period.
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Mentioned in this episode:
HealthSherpa Official Site: https://www.healthsherpa.com/agents/features
Follow HealthSherpa on Social:
Facebook: https://www.facebook.com/healthsherpas/
Instagram: https://www.instagram.com/healthsherpas/
LinkedIn: https://www.linkedin.com/company/healthsherpa/
X: https://x.com/healthsherpas
YouTube: https://www.youtube.com/@Healthsherpas
Additional Ritter Resources:
How Much Can Agents Make Selling Under-65 Insurance: https://link.chtbl.com/ASG620
Simplify Marketplace Enrollments with HealthSherpa: https://ritterim.com/blog/simplify-marketplace-enrollments-with-healthsherpa/
Steps to Get Ready for OEP: Federal & State Exchanges: https://link.chtbl.com/ASG6215
The Complete Guide to Selling Affordable Care Act Insurance Plans: https://ritterim.com/aca-ebook/
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.
Saturday Oct 05, 2024
Saturday Oct 05, 2024
Carriers not paying commissions on PDP business? We understand the frustration! Listen for ideas on how to move forward while still serving the best interests of your clients.
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Claim your free portfolio review with Ritter!
Resources:
2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://ritterim.com/blog/2025-maximum-broker-commissions-for-medicare-advantage-and-medicare-part-d/
2025 Medicare Market Disruption Means Opportunity for Agents: https://ritterim.com/follow-medicare-changes/
4 Ways PlanEnroll Will Make This Your Best AEP Yet: https://link.chtbl.com/ASG617R5
A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://ritterim.com/selling-ancillary-with-medicare/
Find and contact your dedicated sales specialist here at Ritter: https://ritterim.com/meet-your-sales-team/
How to Ask Your Current Clients for Referrals: https://ritterim.com/blog/how-to-ask-your-current-clients-for-referrals/
How Much Money Can Agents Make Selling Ancillary Health Insurance? https://ritterim.com/blog/how-much-money-can-agents-make-selling-ancillary-health-insurance/
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 Advisor Approach: Cross-Selling by Fact-Finding: https://link.chtbl.com/ASG587
The Complete Guide on How to Sell Medicare Advantage Plans: https://ritterim.com/medicare-advantage-ebook/
The Insurance Agent’s Guide to Generating Referrals: https://ritterim.com/insurance-referral-generation/
Why Being a Likable Agent Is Good for Your Business: https://ritterim.com/blog/why-being-a-likable-agent-is-good-for-your-business/
References:
“Agent Broker Compensation.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-marketing-guidelines/agent-broker-compensation. Accessed 7 Oct. 2024.
“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.
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/.
Kelly, Susan. “Most Medicare Advantage Enrollees like Their Plans, Survey Finds.” Healthcaredive.Com, Healthcare Dive, 14 June 2022, www.healthcaredive.com/news/most-medicare-advantage-enrollees-like-plans-ehealth/625429/.
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.
Thursday Oct 03, 2024
Thursday Oct 03, 2024
Under CMS regulations, agents are considered Third-Party Marketing Organizations. We’ve got the FAQs to keep you informed!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
CMS’ New Definition of Marketing & How It Affects Agents Selling Medicare Plans: https://link.chtbl.com/ASGN20230515B
Do’s and Don’ts of Medicare Compliance: https://link.chtbl.com/ASG542
How to Host a Successful Medicare Sales Event FREE eBook Direct Download: https://ritterim.com/documents/how-to-host-a-successful-medicare-sales-event.pdf
How to Host a Successful Medicare Educational Event FREE eBook Direct Download: https://ritterim.com/documents/the-complete-guide-on-how-to-host-an-educational-event.pdf
Rules for Hosting a Compliant Medicare Educational Event: https://link.chtbl.com/ASG540
Rules for Hosting a Compliant Medicare Sales Event: https://link.chtbl.com/ASG541
What Not to Say During Medicare Educational and Sales Events: https://link.chtbl.com/ASG476
The Ritter Compliance Program – Ritter Docs: https://docs.ritterim.com/compliance/compliance-at-ritter/
References:
“CMS Issues New Rule Limiting Third-Parties Who Conduct Medicare Advantage Marketing: Perspectives: Reed Smith LLP.” Reed Smith, 6 June 2022, www.reedsmith.com/en/perspectives/2022/06/cms-issues-new-rule-limiting-thirdparties.
“Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f.
“Medicare Communications and Marketing Guidelines...” Center of Medicare and Medicaid, 9 Feb. 2022, www.cms.gov/files/document/medicare-communications-and-marketing-guidelines-3-16-2022.pdf.
“Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs...” Federal Register, http://www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 5 Sept. 2024
“Title 42 Chapter IV Subchapter B Part 422 Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 5 Sept. 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/
Wednesday Oct 02, 2024
Wednesday Oct 02, 2024
Agents and agencies are considered Third-Party Marketing Organizations (TPMOs) by CMS. Listen to learn about marketing guidelines and how to stay compliant!
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
CMS’ New Definition of Marketing & How It Affects Agents Selling Medicare Plans: https://link.chtbl.com/ASGN20230515B
Do’s and Don’ts of Medicare Compliance: https://link.chtbl.com/ASG542
How to Host a Successful Medicare Sales Event FREE eBook Direct Download: https://ritterim.com/documents/how-to-host-a-successful-medicare-sales-event.pdf
How to Host a Successful Medicare Educational Event FREE eBook Direct Download: https://ritterim.com/documents/the-complete-guide-on-how-to-host-an-educational-event.pdf
Rules for Hosting a Compliant Medicare Educational Event: https://link.chtbl.com/ASG540
Rules for Hosting a Compliant Medicare Sales Event: https://link.chtbl.com/ASG541
What Not to Say During Medicare Educational and Sales Events: https://link.chtbl.com/ASG476
The Ritter Compliance Program – Ritter Docs: https://docs.ritterim.com/compliance/compliance-at-ritter/
References:
“CMS Issues New Rule Limiting Third-Parties Who Conduct Medicare Advantage Marketing: Perspectives: Reed Smith LLP.” Reed Smith, 6 June 2022, www.reedsmith.com/en/perspectives/2022/06/cms-issues-new-rule-limiting-thirdparties.
“Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f.
“Medicare Communications and Marketing Guidelines...” Center of Medicare and Medicaid, 9 Feb. 2022, www.cms.gov/files/document/medicare-communications-and-marketing-guidelines-3-16-2022.pdf.
“Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs...” 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 5 Sept. 2024.
“Title 42 Chapter IV Subchapter B Part 422 Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 5 Sept. 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/
Tuesday Sep 24, 2024
Tuesday Sep 24, 2024
If you want to be ready-to-sell by the ACA Open Enrollment Period, you’ll want to listen! Review our checklist of steps to help you get certified, organized, and ready to serve clients.
Read the text version
Download the OEP Ready-to-Sell Checklist: https://ritterim.com/documents/oep-ready-to-sell-checklist.pdf
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
5 Tips for Finding Supplemental Coverage for ACA Plans: https://ritterim.com/blog/5-tips-for-finding-supplemental-coverage-for-aca-plans/
2024 ACA Exchange & FFM Certification Info: https://ritterim.com/blog/2024-aca-exchange-ffm-certification-info/
Carriers Partnered with Ritter: https://ritterim.com/products/by-carrier/
Community Engagement & ACA Marketing Suggestions for Agents: https://ritterim.com/blog/community-engagement-aca-marketing-suggestions-for-agents/
Contract & Get Appointed to Sell with Health Insurance Companies: https://ritterim.com/blog/contract-get-appointed-to-sell-with-health-insurance-companies/
Digital Marketing for Insurance Agents: Our Top Tips to Boost Business: https://ritterim.com/blog/digital-marketing-for-insurance-agents-our-top-tips-to-boost-business/
Everything Agents Need to Know About Selling in State-Based Marketplaces: https://ritterim.com/blog/everything-agents-need-to-know-about-selling-in-state-based-marketplaces/
FAQs About ACA Certification and Training: https://link.chtbl.com/ASG532
Five Ways to Generate ACA Leads: https://ritterim.com/blog/five-ways-to-generate-aca-leads/
How to Become Certified for ACA Marketplace Sales with Federally Facilitated Marketplace (FFM) Training: https://ritterim.com/blog/how-to-become-certified-for-aca-marketplace-sales-with-federally-facilitated-marketplace-ffm-training/
Knight School Training: https://ritterim.com/knight-school/
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/
Questions to Ask Clients Shopping for an ACA Plan: https://link.chtbl.com/ASG615
Register with Ritter: https://app.ritterim.com/public/registration/
Ritter Events Calendar: https://ritterim.com/events/
Surviving OEP: https://ritterim.com/oep/
The Agent Survival Guide Podcast: https://ritterim.com/podcast/
The Complete Guide to Selling Affordable Care Act Insurance Plans FREE eBook: https://ritterim.com/aca-ebook/
The Ritter Blog: https://ritterim.com/blog/
The Ritter Platform: https://app.ritterim.com/
Under-65 Health Products: https://ritterim.com/products/under-65/
References:
“Agents and Brokers.” Virginia SCC - Agents and Brokers, www.scc.virginia.gov/pages/Agents-and-Brokers. Accessed 4 Sept. 2024.
“CMS.Gov Enterprise Portal.” CMS Enterprise Portal, portal.cms.gov/portal/. Accessed 4 Sept. 2024.
“Connecting Pennsylvanians to Health Coverage.” Pennie, https://pennie.com/. Accessed 4 Sept. 2024.
“FFM Agent Broker Registration and Termination Status Page.” Data.Healthcare.Gov, https://data.healthcare.gov/ffm_ab_registration_lists. Accessed 4 Sept. 2024.
“Find out How Much Insurance May Cost.” Get Covered New Jersey, nj.gov/getcoverednj/. Accessed 4 Sept. 2024.
“Help on Demand: Training and Registration Guide.” CMS.Gov, https://www.cms.gov/CCIIO/Programs-and-Initiatives/Health-Insurance-Marketplaces/Downloads/Help-On-Demand-Training-Registration-Guide.pdf. Accessed 4 Sept. 2024
“Local Assistance for Health Insurance Application.” HealthCare.Gov, localhelp.healthcare.gov/. Accessed 4 Sept. 2024.
“Maryland Health Connection.” Maryland Health Connection, 27 July 2024, www.marylandhealthconnection.gov/.
“Registration and Training for Marketplace Agents and Brokers.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/agents-brokers/registration-training. Accessed 4 Sept. 2024.
“Returning Agents’ and Brokers’ Guide to Plan Year 2025 ...” CMS.Gov, Center for Medicare & Medicaid, www.cms.gov/files/document/returning-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 4 Sept. 2024.
“The Marketplace in Your State.” HealthCare.Gov, www.healthcare.gov/marketplace-in-your-state/. Accessed 4 Sept. 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/
Monday Sep 23, 2024
Monday Sep 23, 2024
If you’re on the fence about adding ACA plans to your portfolio, let this episode be a sign to take action! Discover how much you could make selling Affordable Care Act plans.
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 Myths About Selling ACA Health Plans: https://ritterim.com/blog/5-myths-about-selling-aca-health-plans/
CMS Rules ACA Broker Commissions for SEP & OEP Sales Must Be Equal: https://ritterim.com/blog/cms-rules-aca-broker-commissions-for-sep-oep-sales-must-be-equal/
How Agents Can Protect Clients from Unauthorized ACA Plan Switching: https://ritterim.com/blog/how-agents-can-protect-clients-from-unauthorized-aca-plan-switching/
How Insurance FMOs Work FREE eBook: https://ritterim.com/how-insurance-fmos-work/
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/
Register with Ritter: https://app.ritterim.com/public/registration/
State of the ACA Market in 2024: https://link.chtbl.com/ASG610
Under-65 Carriers Ritter Docs: https://docs.ritterim.com/products/under-65-health/
What Are Insurance Hierarchies & How Do They Work? https://link.chtbl.com/ASG517
References:
“FAQ Agent Broker Compensation and Guaranteed Availability of Coverage.” CMS, Centers for Medicare & Medicaid, www.cms.gov/files/document/agent-broker-compensation-and-guaranteed-availability-coverage.pdf. Accessed 27 Aug. 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/
Wednesday Sep 18, 2024
Wednesday Sep 18, 2024
Protect your clients from potential insurance scams. Help them identify the red flags and steer clear of fraudulent behavior.
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Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Update: https://link.chtbl.com/ASGN20240808
3 Tips to Help Your Clients Avoid Health Insurance Scams: https://ritterim.com/blog/3-tips-to-help-your-clients-avoid-health-insurance-scams/
Facebook Basics for Insurance Agents: https://link.chtbl.com/ASG607
How to Stay Compliant During All Medicare Sales: https://ritterim.com/blog/how-to-stay-compliant-during-all-medicare-sales/
References:
Nici, Dawn. “The Latest Medicare Enrollment Scams and How You Can Avoid Becoming a Victim.” Forbes, Forbes, 23 July 2024, www.forbes.com/health/medicare/medicare-scams/.
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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/
Monday Sep 16, 2024
Monday Sep 16, 2024
Use fact-finding and open communication to learn your clients’ budget and coverage needs. We’ve got statistics, tips, and strategies for agents to help clients navigate today’s financial environment.
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:
Does Your Medicare Sales Approach Satisfy Different Budgets? https://ritterim.com/blog/does-your-medicare-sales-approach-satisfy-different-budgets/
How to Check Medicare Extra Help Eligibility for Your Client: https://ritterim.com/blog/how-to-check-medicare-extra-help-eligibility-for-your-client/
How to Keep Clients Safe From Insurance Fraud: https://ritterim.com/blog/how-to-keep-clients-safe-from-insurance-fraud/
Knight School Training: Cross-Selling Long-Term Care Insurance: https://ritterim.com/knight-school/expand-dominate/cross-sell/7/
Knight School Training: D-SNP Eligibility: https://ritterim.com/knight-school/solid-foundation/understanding-special-needs-plans/3/
Knight School Training: Understand What’s Important to Your Client: https://ritterim.com/knight-school/learning-to-sell/assessing-needs/7/
Ritter Fact Finder PDF: https://ritterim.com/documents/ritter-fact-finder.pdf
Why Trust Is an Insurance Agent’s Most Important Non-Renewable Resource: https://ritterim.com/blog/why-trust-is-an-insurance-agents-most-important-non-renewable-resource/
References:
Lee, Anne Marie. “Americans Are Spending the Biggest Share of Their Income on Food in 3 Decades.” CBS News, CBS Interactive, 26 Feb. 2024, www.cbsnews.com/news/inflation-consumer-spending-food-and-restaurants-disposable-income-2024/.
“Cost of Long Term Care by State: Cost of Care Report.” Genworth, Genworth Financial, Inc, https://www.genworth.com/aging-and-you/finances/cost-of-care. Accessed 1 Aug. 2024.
“Federal Poverty Level (FPL) - Glossary.” HealthCare.Gov, https://www.healthcare.gov/glossary/federal-poverty-level-fpl/. Accessed 1 Aug. 2024.
“Food Prices and Spending.” USDA ERS - Food Prices and Spending, USDA, 27 June 2024, www.ers.usda.gov/data-products/ag-and-food-statistics-charting-the-essentials/food-prices-and-spending/?topicId=2b168260-a717-4708-a264-cb354e815c67.
Committee of the Future Health Care Workforce for Older Americans, et al. “Health Status and Health Care Service Utilization.” Retooling for an Aging America: Building the Health Care Workforce, National Academic Press (US), Washington D.C., 2008, https://www.ncbi.nlm.nih.gov/books/NBK215400/. Accessed 1 Aug. 2024.
Jayashankar, Aparna, and Anthony Murphy. “High Inflation Disproportionately Hurts Low-Income Households.” Federal Reserve Bank of Dallas, Federal Reserve Bank of Dallas, 10 Jan. 2023, www.dallasfed.org/research/economics/2023/0110.
“How Much Care Will You Need?” ACL Administration for Community Living, 18 Feb. 2020, https://www.acl.gov/ltc/basic-needs/how-much-care-will-you-need.
Pollitz, Karen, et al. “KFF Survey of Consumer Experiences with Health Insurance.” KFF, KFF, 19 Dec. 2023, www.kff.org/private-insurance/poll-finding/kff-survey-of-consumer-experiences-with-health-insurance/.
Alex Cottrill, Juliette Cubanski. “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/.
Klein, Michael. “Inflation and Prices.” Econofact, Econofact, 12 Feb. 2024, econofact.org/inflation-and-prices.
Glasmeier, Amy K. “New Data Posted: 2023 Living Wage Calculator.” Living Wage Calculator, Massachusetts Institute of Technology, 1 Feb. 2023, https://livingwage.mit.edu/articles/103-new-data-posted-2023-living-wage-calculator.
Taaka, Brian. “The Power of Reading the Room: A Vital Skill for Success in Life and Business.” LinkedIn, LinkedIn, 13 July 2023, https://www.linkedin.com/pulse/power-reading-room-vital-skill-success-life-business-brian-taaka.
Klien, Michael. “U.S. Inflation Trends and Outlook in 2024.” Forbes, Forbes Magazine, 12 Feb. 2024, www.forbes.com/sites/forrester/2024/02/02/us-inflation-trends-and-outlook-in-2024/.
Miglani, Jitender. “US Inflation Trends and Outlook, 2024.” Forrester, Forrester, 28 Jan. 2024, www.forrester.com/blogs/us-inflation-trends-and-outlook-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/
Thursday Sep 12, 2024
Thursday Sep 12, 2024
We've got the scoop on PlanEnroll, part of the Integrity Suite of Solutions. Learn more about the features, how agents can get started, where to find training, and so much more.
Read the text version
Get PlanEnroll by registering for your MedicareCENTER account: https://identity.medicarecenter.com/register
Resources:
5 FAQs About the Shop & Enroll Phaseout: https://agentsurvivalguide.podbean.com/e/5-faqs-about-the-shop-enroll-phaseout/
Become a PlanEnroll Network Agent! Register for PlanEnroll Lead Program Training: https://trainings.planenroll.com/
Learn more about the Integrity Suite of Solutions: https://ritterim.com/integrity-tools/
Learn more about the Shop & Enroll Phaseout: https://ritterim.com/shop-and-enroll/
PlanEnroll Customization User Guide: https://learningcenter.tawebhost.com/PlanEnroll-Customization-User-Guide.pdf
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
Shop & Enroll Phaseout Frequently Asked Questions: https://ritterim.com/documents/shop-and-enroll-phaseout-faq.pdf
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Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Monday Sep 09, 2024
Monday Sep 09, 2024
Broaden your reach by combining forces with a like-minded affinity partner! If you're looking to grow your insurance business, affinity marketing is a great strategy that won't break the bank.
Read the text version
Download the eBook: The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships
Resources:
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Agent's Guide to Partner Marketing Resources: https://link.chtbl.com/ASG585
Learn more about Ritter Insurance Marketing: https://ritterim.com/
LinkedInBasics for Insurance Agents: https://link.chtbl.com/ASG612
Ritter Insurance Marketing Registration: https://app.ritterim.com/public/registration/
Why Go About Your Business in an Ethical, Compliant Fashion? https://ritterim.com/blog/why-go-about-your-business-in-an-ethical-compliant-fashion/
Your Guide to Forming an Insurance Agent Network: https://ritterim.com/blog/your-guide-to-forming-an-insurance-agent-network/
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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/