Does Your Medicare Sales Approach Satisfy Different Budgets?

 
All clients have different needs, health concerns, and budgets! Learn how to approach budget conversations tactfully to help clients find plans that fit their varying needs.
 
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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:
Ancillary Products at Ritter Insurance Marketing: https://ritterim.com/products/ancillary/
A Review of Integrity's Top Medicare Quoting Tools: https://ritterim.com/blog/a-review-of-the-integrity-offered-medicare-quoting-software
Carrier Partners at Ritter Insurance Marketing: https://ritterim.com/products/by-carrier/
How Insurance FMOs Work: https://ritterim.com/how-insurance-fmos-work/
Learn more about PlanEnroll: https://ritterim.com/planenroll/
Learn more about MedicareCENTER: https://integrity.com/medicarecenter/
Medicare Products at Ritter Insurance Marketing: https://ritterim.com/products/medicare/
Not partnered with Integrity? Register here: https://identity.integrity.com/register
PlanEnroll Client User Guide PDF: https://learningcenter.tawebhost.com/Client-Sync-Consumer-User-Guide.pdf
Ritter Insurance Marketing Registration: https://app.ritterim.com/public/registration/
The Basics of Selling Insurance from Home: https://ritterim.com/blog/the-basics-of-selling-insurance-from-home/
The Benefits of Joining a Top Insurance FMO: https://ritterim.com/blog/the-benefits-of-joining-a-top-insurance-fmo/
 
References:
“Compare Medigap Plan Benefits.” Medicare.Gov, Medicare, www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits. Accessed 22 Oct. 2024.
Cottrill, Alex, et al. “Income and Assets of Medicare Beneficiaries in 2023.” KFF, KFF, 9 Feb. 2024, www.kff.org/medicare/issue-brief/income-and-assets-of-medicare-beneficiaries-in-2023/.
“Fidelity® Releases 2023 Retiree Health Care Cost Estimate: For the First Time in Nearly a Decade, Retirees See Relief as Estimate Stays Flat Year-over-Year.” Newsroom.Fidelity.Com, Fidelity, 21 June 2023, newsroom.fidelity.com/pressreleases/fidelity--releases-2023-retiree-health-care-cost-estimate--for-the-first-time-in-nearly-a-decade--re/s/b826bf3a-29dc-477c-ad65-3ede88606d1c.
 
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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/

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

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

How to Stay Compliant During All Medicare Sales

 
Prepare for potential CMS secret shoppers! We outline best practices to help agents stay compliant during calls, whether you’re talking to a client, lead, or potential secret shopper.
  
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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:
Common Questions From Secret Shoppers PDF: https://ritterim.com/documents/infographics/common-questions-for-secret-shoppers.pdf
FAQs About the Medicare Call Recording Requirements: https://ritterim.com/blog/faqs-about-the-medicare-call-recording-requirements/
Get Your PlanEnroll Site: https://ritterim.com/planenroll/
How to Keep Clients Safe from Insurance Fraud: https://link.chtbl.com/ASG619
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://link.chtbl.com/ASG622
Join the Integrity Family: https://identity.integrity.com/register
Learn More About Integrity Tools: https://ritterim.com/integrity-tools/
What Agents Can’t Say During Medicare Sales Appointments: https://link.chtbl.com/ASG6245
What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales: https://ritterim.com/blog/what-to-know-about-soas-in-medicare-health-and-prescription-drug-plan-sales/
Where It All Begins: Obtaining Permission to Contact for Medicare Sales: https://ritterim.com/blog/where-it-all-begins-obtaining-permission-to-contact-for-medicare-sales/
 
References:
“2024 Medicare Advantage and Part D Final Rule (CMS-4201-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 5 Apr. 2023, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-final-rule-cms-4201-f.
“Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f.
“Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs; Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency; Additional Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency.” Federal Register, www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 23 Oct. 2024.
 
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Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

Simplify Marketplace Enrollments with HealthSherpa

 
There’s more than one way to enroll clients into marketplace plans. Learn the advantages of using HealthSherpa as your ACA enrollment platform in this episode!
  
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The Complete Guide to Selling Affordable Care Act Insurance Plans FREE eBook Download: https://ritterim.com/aca-ebook/
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
5 Myths About Selling ACA Health Plans: https://ritterim.com/blog/5-myths-about-selling-aca-health-plans/
ACA 101:Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248
Carriers & Products with Ritter: https://ritterim.com/products/by-carrier/
Create a HealthSherpa Account Through Ritter: https://docs.ritterim.com/products/under-65-health/#create-a-healthsherpa-account
FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans: https://ritterim.com/blog/faqs-about-selling-on-exchange-off-exchange-under-65-plans/
How Agents Can Protect Clients from Unauthorized ACA Plan Switching: https://ritterim.com/blog/how-agents-can-protect-clients-from-unauthorized-aca-plan-switching/
Key Changes for ACA Open Enrollment 2025 ft. Ross Baker from HealthSherpa: https://link.chtbl.com/ASG2024RossBaker
Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/
New Required Document Agents Need for ACA Sales: https://ritterim.com/blog/new-required-documents-agents-need-for-aca-sales/
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
 
References:
“Agent Help Center.” HealthSherpa Help Center, HealthSherpa, www.faq.healthsherpa.com/en/collections/166253-agent-help-center. Accessed 21 Oct. 2024.
“Direct Enrollment and Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/agents-brokers/direct-enrollment-partners. Accessed 21 Oct. 2024.
“Enhanced Direct Enrollment.” HealthSherpa, www.healthsherpa.com/ede. Accessed 21 Oct. 2024.
“Free Preventive Care & the Affordable Care Act.” HealthSherpa, www.healthsherpa.com/preventive-care-services. Accessed 21 Oct. 2024.
“HealthSherpa Privacy Notice.” HealthSherpa, 5 Oct. 2020, www.healthsherpa.com/privacy_notice.
“Maximize Your ACA Revenue with HealthSherpa.” HealthSherpa, www.healthsherpa.com/carrier. Accessed 21 Oct. 2024.
“Member Defense Network: Ensuring Health Insurance Marketplace Integrity.” Member Defense Network, www.memberdefense.org/. Accessed 21 Oct. 2024.
“Secure Your ACA Book with Two-Factor Authentication.” HealthSherpa Blog, HealthSherpa, https://blog.healthsherpa.com/agents/agent-2fa/. Accessed 21 Oct. 2024.
“Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, www.healthcare.gov/. Accessed 21 Oct. 2024.
“Work your ACA book faster and easier.” HealthSherpa, www.healthsherpa.com/agents/features. Accessed 21 Oct. 2024.
 
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Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

How Ask Integrity Can Streamline Your Medicare Sales Appointments

 
 
Discover the tech solutions packed into Ask Integrity™, our industry's first AI-powered digital assistant just for insurance agents.
 
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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:
Ask Integrity™ and its features: https://integrity.com/ask-integrity/ 
Integrity Tools: https://ritterim.com/integrity-tools/
MedicareCENTER: https://integrity.com/medicarecenter/
Not partnered with Integrity? Register here: https://identity.integrity.com/register
Ritter Registration: https://app.ritterim.com/public/registration/
What to Do If Your Medicare Part D Plans Become Non-Commissionable: https://ritterim.com/blog/what-to-do-if-your-medicare-part-d-plans-become-non-commissionable/
 
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/

8 Reasons Why Insurance Agents Should Sell ACA Plans

 
The Affordable Care Act Marketplace can be a lucrative market for agents in Medicare. Listen to find out 8 reasons why selling ACA plans will benefit your business and help your clients and their families.
 
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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:
6 Reasons Insurance Agencies Selling Medicare Products Should Sell ACA: https://ritterim.com/blog/6-reasons-insurance-agencies-selling-medicare-products-should-sell-aca/
ACA 101: Selling Under-65 Health Insurance: https://ritterim.com/blog/aca-101-selling-under-65-health-insurance/
Medicare Isn’t Just for Seniors: Selling to the Under-65 Market: https://ritterim.com/blog/medicare-isnt-just-for-seniors-selling-to-the-under-65-market/
Meet Your Sales Team: https://app.ritterim.com/public/registration/
Products & Carriers with Ritter Insurance Marketing: https://ritterim.com/products/by-carrier/
Register with Ritter: https://app.ritterim.com/public/registration/
State of the ACA Market in 2024: https://link.chtbl.com/ASG610
Steps to Get Ready for OEP: Federal Exchange States & State-Based Exchanges: https://link.chtbl.com/ASG6215
 
References:
“CMS Extends Open Enrollment Period and Launches Initiatives to Expand Health Coverage Access Nationwide.” CMS.Gov, Centers for Medicare & Medicaid Services, 17 Sept. 2021, www.cms.gov/newsroom/press-releases/cms-extends-open-enrollment-period-and-launches-initiatives-expand-health-coverage-access-nationwide.
McDermott, Daniel, and Cynthia Cox. “Insurer Participation on the ACA Marketplaces, 2014-2021.” KFF, KFF, 23 Feb. 2021, www.kff.org/private-insurance/issue-brief/insurer-participation-on-the-aca-marketplaces-2014-2021/.
“New, Lower Costs on Marketplace Marketplace Coverage.” HealthCare.Gov, HealthCare.gov, www.healthcare.gov/more-savings/. Accessed 3 Oct. 2024.
Keith, Katie. “New Special Enrollment Period for Low-Income People Could Boost Coverage.” Commonwealth Fund, The Commonwealth Fund, 7 Sept. 2021, www.commonwealthfund.org/blog/2021/new-special-enrollment-period-low-income-people-could-boost-coverage.
“Registration and Training for Marketplace Agents and Brokers.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/agents-brokers/registration-training. Accessed 3 Oct. 2024.
 
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Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance   
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

The Value of Plan N for Medicare Shoppers ft. Ted Sims

 
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.
 
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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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 Agents Forget to Do When Preparing for Appointments

 
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!
 
Read the text version
 
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/

Helping Clients with Marketplace Eligibility Appeals

 
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!
  
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/
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.
 
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/

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!
 
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:
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/

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!
 
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:
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/

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.
 
Read the text version
 
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!
 
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:
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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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/

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!
  
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:
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.
 
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/