How to Ask Your Current Clients for Referrals

 
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.
 
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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/

Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans

 
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/.
 
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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/

Key Changes for ACA Open Enrollment 2025 ft. Ross Baker from HealthSherpa

 
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.

What to Do if Your Medicare Part D Plans Become Non-Commissionable

 
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.

FAQs about Third-Party Marketing Organization (TPMO) Disclaimers

 
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.
 
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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/

Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You

 
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/
 

Steps to Get Ready for OEP: Federal Exchange States & State-Based Exchanges

 
 
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/

How Much Can Agents Make Selling Under-65 Insurance?

 
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.
 
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/

How to Keep Clients Safe from Insurance Fraud

 
Protect your clients from potential insurance scams. Help them identify the red flags and steer clear of fraudulent behavior.
  
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 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/.
 
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/

What Today's Financial Environment Means for Medicare Beneficiaries & Agents

 
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/

4 Ways PlanEnroll Will Make This Your Best AEP Yet

 
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/

Affinity Partnerships for Insurance Agents

 
 
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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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/

Are You Self-Sabotaging Your Insurance Sales Success?

 
 
Is your insurance business living up to its potential? Find out if you’re self-sabotaging sales success with these 3 questions.
 
Read the text version
  
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Carrier Partners at Ritter Insurance Marketing: https://docs.ritterim.com/products/carriers/
How to Host a Successful Medicare Sales Event PDF: https://ritterim.com/documents/how-to-host-a-successful-medicare-sales-event.pdf
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://ritterim.com/blog/insurance-agents-as-tpmos-what-cms-compliance-regulations-mean-for-you/
Prepare for Success Have You Reviewed Your Portfolio? https://ritterim.com/portfolio/
Rules for Hosting a Compliant Medicare Educational Event: https://link.chtbl.com/ASG540
Signs It’s Time to Expand Your Insurance Portfolio & Make the Move! https://link.chtbl.com/ASG605
The Benefits of Joining a Top Insurance FMO: https://ritterim.com/blog/the-benefits-of-joining-a-top-insurance-fmo/
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/
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/

Questions to Ask Clients Shopping for an ACA Plan

 
 
Stay on track during ACA presentations with this list of questions! Fact-finding helps you get to the bottom of your client's health insurance wants and needs - and doubles as a rough outline for your conversation.
 
Read the text version
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
5 Tips for Finding Supplemental Coverage for ACA Plans: https://ritterim.com/blog/5-tips-for-finding-supplemental-coverage-for-aca-plans/
ACA Basics Knight School Training: https://ritterim.com/knight-school/solid-foundation/aca-basics/
CMS Changes to ACA Plan Switching Process: https://link.chtbl.com/ASGF20240802
Everything You Need to Know About the ACA OEP: https://ritterim.com/blog/everything-you-need-to-know-about-the-aca-oep/
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 to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://link.chtbl.com/ASG579
Learn more about Ritter Insurance Marketing: https://ritterim.com/
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/?utm_source=asg_podcast_link
Sales Specialist Contact Info: https://ritterim.com/meet-your-sales-team/
Surviving ACA OEP: https://ritterim.com/oep/ 
There’s More to Life Insurance Than Just a Policy: https://link.chtbl.com/ASG560  
The State of the ACA Market in 2024: https://link.chtbl.com/ASG610
What the Inflation Reduction Act Means for Your Medicare & ACA Clients: https://ritterim.com/blog/what-the-inflation-reduction-act-means-for-your-medicare-aca-clients/
 
References:
“Health Plan Categories: Bronze, Silver, Gold & Platinum.” HealthCare.Gov, HealthCare.gov, www.healthcare.gov/choose-a-plan/plans-categories/. Accessed 5 Aug. 2024.
“Low Cost Marketplace Health Care, Qualifying Income Levels.” HealthCare.Gov, HealthCare.gov, www.healthcare.gov/lower-costs/. Accessed 5 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/

How to Create a Google Business Profile

 
Quite literally put your business on the map by creating a Google Business Profile. Learn how to create a profile, optimize it, and reach larger audiences online, all in this episode and more.
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
App Trends in 2024: https://link.chtbl.com/ASGA63 
Agent’s Guide to Social Media Communication Resources: https://link.chtbl.com/ASG606
Agent’s Guide to Video Communication Resources: https://link.chtbl.com/ASG596
Community-Based Marketing for Insurance Agents: https://link.chtbl.com/ASG533
TikTok Basics for Insurance Agents: https://link.chtbl.com/ASG603
 
References:
“Get Listed on Google.” Google Business Profile, Google, www.google.com/business/. Accessed 23 July 2024.
“Sign up for Business Profile.” Google Business Profile Help, Google, www.support.google.com/business/answer/10514137?hl=en#zippy=%2Ccreate-a-business-profile-on-google. Accessed 23 July 2024.
“Check & View Your Business Profile Performance.” Google Business Profile Help, Google, www.support.google.com/business/answer/9918094?hl=en. Accessed 23 July 2024.
“Get Listed on Google.” Google Business Profile, Google, www.google.com/intl/en_us/business/. Accessed 23 July 2024.
“Verify Your Business on Google.” Google Business Profile Help, Google, www.support.google.com/business/answer/7107242?hl=en. Accessed 23 July 2024.
“How to Use a Service Area on Google for Service-Area & Hybrid Businesses.” Google Business Profile Help, Google, www.support.google.com/business/answer/9157481?co=GENIE.Platform%3DAndroid&hl=en. Accessed 23 July 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/