Learn more about AHIP requirements, how certification works for insurance agents, and more! Don't stress - we've got plenty of tips to help you survive certification and the start of AEP prep season.
 
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Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!  
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
AHIP Test Tips and Tricks for Medicare Certification
5 Things About the CMS 2027 MA and Part D Final Rule
Ritter Insurance Marketing Certification Center
 
References:
"AHIP Medicare + Fraud, Waste, and Abuse Training." ahip.org, AHIP, https://www.ahip.org/courses/medicare-fraud-waste-and-abuse-training, Accessed 5 May 2026.
"Corporate Partnerships." ahip.org, AHIP, https://www.ahip.org/corporate-partnerships, Accessed 5 May 2026.
"Issues AHIP Monitors." ahip.org, AHIP, https://www.ahip.org/issues, Accessed 5 May 2026.
"Online Course Catalogue." ahip.org, AHIP, https://www.ahip.org/courses, Accessed 5 May 2026.
"Our Member Organizations." ahip.org, AHIP, https://www.ahip.org/members, Accessed 5 May 2026.
 
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Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ Threads, https://www.threads.net/@thesarahjrueppel  and Bluesky, https://bsky.app/profile/sarahjrueppel.bsky.social 
Not affiliated with or endorsed by Medicare or any government agency.

Before you wrap it up and put a bow on it, does that gift for your Medicare client follow CMS guidelines? Listen to this episode of the Agent Survival Guide Podcast to find out and stay compliant!
 
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🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Affinity Partnerships for Insurance Agents
Rules for Hosting a Compliant Medicare Educational Event
Rules for Hosting a Compliant Medicare Sales Event
The Complete Guide to Client Loyalty and Retention
What are the Medicare Gift Rules?
 
References:
“Associations Urge Stronger Oversight of MA Marketing Practices.” Npaonline.Com, National Pace Association, https://www.npaonline.org/about-npa/news/news/2024/08/07/associations-urge-tougher-enforcement-of-anti-predatory-medicare-advantage-marketing-practices. Accessed 18 Nov. 2025.
“General Questions Regarding Certain Fraud and Abuse Authorities.” Office of Inspector General | Government Oversight | U.S. Department of Health and Human Services, 8 July 2024, https://www.oig.hhs.gov/faqs/general-questions-regarding-certain-fraud-and-abuse-authorities.
“Subpart V—Medicare Advantage Communication Requirements.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 18 Nov. 2025.
“Subpart V—Part D Communication Requirements.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V.  Accessed 18 Nov. 2025.
“OIG-Policy-Statement-Gifts-of-Nominal-Value.Pdf.” Oig.Hhs.Gov/, https://www.oig.hhs.gov/documents/special-advisory-bulletins/887/OIG-Policy-Statement-Gifts-of-Nominal-Value.pdf. Accessed 18 Nov. 2025.
“The Fine Line between Gifts and Bribes.” Adams & Associates, PLC, 14 Nov. 2023, https://www.azwhitecollarcrime.com/blog/2019/04/01/the-fine-line-between-gifts-and-bribes/.
 
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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.

As a certified insurance agent, staying CMS compliant is a crucial component to your success. Listen to this episode for a mini crash-course on best practices, guidelines, and resources to stay compliant.
 
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🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
FAQs About the Medicare Call Recording Requirements
FAQs & Guidelines on Compliant Medicare Marketing Materials
Guidelines for Sharing Personal Beneficiary Data with Other TPMOs
How to Stay Compliant During All Medicare Sales
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You
IntegrityCONNECT Login
Learn more about PlanEnroll
Ritter's Preferred Partners
What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales
Rules for Hosting a Compliant Medicare Educational Event
What Agents Can't Say During Medicare Sales Appointments
What CMS Requires Agents to Discuss Prior to Medicare Enrollments
What Not to Say During Medicare Educational and Sales Events
Where It All Begins: Obtaining Permission to Contact for Medicare Sales
 
References:
“Medicare Advantage Communication Requirements.” Federal Register, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 19 Nov. 2025.
“Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 19 Nov. 2025.
“Part D Communication Requirements.” Federal Register, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 19 Nov. 2025.
“Federal Register.” Federal Register, https://www.federalregister.gov/. Accessed 19 Nov. 2025.
 
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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://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

Serve your clients and stay CMS compliant. That’s your priority as an insurance agent. Here at Ritter, we’re happy to help! Check out this episode for a refresher on what you can’t say during Medicare sales appointments and why.
Read the text version
 
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
4 Tips for Making a Better Insurance Sales Pitch
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You
Meet Your Ritter Sales Team
PlanEnroll
The Insurance Agent’s Guide to Generating Referrals FREE eBook Download
What Are the ACA Marketplace Alternatives for Health Insurance?What Are the CMS Medicare Gift Rules?
What to Know About SOAs in Medicare Health and Prescription Drug Sales
 
References:
“2024 Medicare Advantage and Part D Final Rule (CMS-4201-F).” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-final-rule-cms-4201-f. Accessed 10 Nov. 2025.
Wrage, Alexandra. “Bribery Is Bad... for Business.” Forbes, Forbes Magazine, 25 Jan. 2017, www.forbes.com/sites/alexandrawrage/2017/01/25/bribery-is-bad-for-business/.
Freed, Meredith, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF, 15 Nov. 2024, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/.
“Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 10 Nov. 2025.
“Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 10 Nov. 2025.
 
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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://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance    
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

Marketing is a vital part of any business. But when it comes to marketing your services as an agent selling Medicare, there are specific rules and regulations. To help you out, we’ve compiled a list of FAQs around compliant Medicare marketing. Press play to get started!
 
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🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
2026 Medicare Advantage & Part D Certification Info
Certification Center – Ritter Insurance Marketing
Do’s and Don’ts of Medicare Compliance
FAQs About the Medicare Call Recording Requirements
Field Notes on Digital Marketing Resources
Field Notes on Traditional Marketing Resources
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You
IntegrityCONNECT – Save time. Sell more.
PlanEnroll - Take Your Business to the Next Level
ShopRitterIM
Social Media Marketing for Insurance Agents FREE eBook Download
 
References:
“Digital and Email Marketing Platform | Constant Contact.” Constant Contact, www.constantcontact.com/. Accessed 10 Nov. 2025.
“Medicare Communications and Marketing Guidelines (MCMG) Date: 02/09/2022.” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/files/document/medicare-communications-marketing-guidelines-2-9-2022.pdf. Accessed 10 Nov. 2025.
“Prohibition of Misuse of Symbols, Emblems, or Names in Reference to Social Security or Medicare.” Social Security Act §1140, www.ssa.gov/OP_Home/ssact/title11/1140.htm. Accessed 10 Nov. 2025.
“Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 10 Nov. 2025.
“Subpart V—Part D Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 10 Nov. 2025.
 
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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.

Sales events are a great way to generate Medicare leads. Learn best practices and how to stay CMS compliant while hosting a Medicare sales event in this episode!
 
Read the text version
 
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
3 Easy Ways to Build Your Insurance Sales Territory
eBooks & Guides for Insurance Agents
How to Stay Compliant During All Medicare Sales
Ritter Insurance Marketing Carrier Pages
Rules for Hosting a Compliant Medicare Educational Event
What Not to Say During Medicare Educational and Sales Events
 
References:
“Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 11 Nov. 2025.
“Subpart V—Part D Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 11 Nov. 2025.
 
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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://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

Get ready to host a Medicare educational event with help from the Agent Survival Guide! We highlight what agents need to know to stay compliant with your carriers and CMS Rules.
Read the text version
 
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Do’s and Don’ts of Medicare Compliance
eBooks & Guides for Insurance Agents
How to Organize a Turning 65 Seminar on a Budget
How to Stay Compliant During All Medicare Sales
Rules for Hosting a Compliant Medicare Sales Event
What Not to Say During Medicare Educational and Sales Events
 
References:
“Federal Register.” FederalRegister.Gov, www.federalregister.gov/. Accessed 11 Nov. 2025.
“Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 11 Nov. 2025.
 
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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://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.`

Learn more about how the Telephone Consumer Protection Act applies to insurance agents. ⚠️ Spoiler Alert: the TCPA also applies to text messages.
 
Read the text version
 
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Federal TCPA Compliance Checklist PDF
Register with Ritter Insurance Marketing
Guidelines for Sharing Personal Beneficiary Data with Other TPMOs
How to Stay Compliant During All Medicare Sales
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You
Where It All Begins: Obtaining Permission to Contact for Medicare Sales
 
References:
“California Consumer Privacy Act (CCPA).” Oag.ca.Gov, State of California - Department of Justice - Office of the Attorney General, 28 Jan. 2025, oag.ca.gov/privacy/ccpa.
“CAN-SPAM Act: A Compliance Guide for Business.” Ftc.Gov, Federal Trade Commission, 22 July 2025, www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business.
“Federal Trade Commission.” Ftc.Gov, Federal Trade Commission, 3 Apr. 2024, www.ftc.gov/about-ftc.
“Federal Trade Commission Do Not Call Registry.” Donotcall.Gov, Federal Trade Commission, www.donotcall.gov/. Accessed 23 Oct. 2025.
“Medicare Advantage Communication Requirements.” Federalregister.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 28 Aug. 2025.
DeTorres, Dustin. “Navigating Telemarketing Laws: What Insurance Agents Need to Know About Calling Aged Leads.” Badassinsuranceleads.Com, Badass Insurance Leads, 16 Jan. 2025, badassinsuranceleads.com/navigating-telemarketing-laws-what-insurance-agents-need-to-know-about-calling-aged-leads/.
“Telemarketing in NY.” NYSenate.Gov, The New York State Senate, www.nysenate.gov/legislation/laws/GBS/399-Z. Accessed 23 Oct. 2025.
“Telemarketing in PA.” Attorneygeneral.Gov, Pennsylvania Office of Attorney General, www.attorneygeneral.gov/resources/telemarketing-in-pa/. Accessed 23 Oct. 2025.
“Telemarketing Sales Rule.” Ftc.Gov, Federal Trade Commission, 25 Oct. 2024, www.ftc.gov/legal-library/browse/rules/telemarketing-sales-rule.
“Telephone Consumer Protection Act (TCPA).” Fcc.Gov, Federal Communications Commission, www.fcc.gov/sites/default/files/tcpa-rules.pdf. Accessed 23 Oct. 2025.
“UPDATE: 11th Circuit Vacates FCC’s One-to-One TCPA Consent Rule.” Wiley.Law, Wiley Rein LLP, www.wiley.law/alert-UPDATE-11th-Circuit-Vacates-FCCs-One-to-One-TCPA-Consent-Rule. Accessed 23 Oct. 2025.
 Stefen. “What Is TCPA Express Consent?” Dnc.Com, Contact Center Compliance, 16 June 2025, www.dnc.com/blog/what-tcpa-express-consent.
“What Is the TCPA?” Dnc.Com, Contact Center Compliance, www.dnc.com/what-is-tcpa/. Accessed 23 Oct. 2025.
Stines, Robert A., and Jeremy D. Richardson. “What to Know About Florida’s Telephone Solicitation Act.” Sgrlaw.Com, Freeborn & Peters LLP, www.sgrlaw.com/wp-content/uploads/2023/04/What-to-Know-About-Floridas-Telephone-Solicitation-Act-Final.pdf. Accessed 23 Oct. 2025.
 
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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.

In this episode we review key CMS regulations agents must follow to stay compliant during Medicare sales. Bonus? These steps also help educate and inform your clients!
 
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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:
Fact vs. Fiction: Examining the Medicare Part B Premium Giveback
Formularies & Covered Drugs – Knight School Training
How to Check Medicare Extra Help Eligibility for Your Client
How to Help Clients Avoid Medicare Late Enrollment Penalties
How to Help Your Clients Get the Most Out of Their Medicare Advantage Plans
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You
Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them
MA & PDP Compliant Sales Checklist PDF Download
SNPs: The Secret to Surviving Lock-in
The 2026 Medicare Part D Redesign Updates Agents Should Know
The Beginner’s Guide to C-SNPs
The Beginner’s Guide to D-SNPs
The Difference Between Medicare & Medicaid: What That Means for Insurance Agents
What Agents Can’t Say During Medicare Sales Appointments
What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales
 
References:
“Agent and Broker Training & Testing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services,
https://www.cms.gov/files/document/cy2025-agent-broker-training-testing-guidelines.pdf. Accessed 14 Oct 2025.
“Agent and Broker Training & Testing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/cy2026agentbrokertrainingtestingguidelinespdf.pdf. Accessed 15 Oct. 2025.
“Costs.” Medicare, www.medicare.gov/basics/costs/medicare-costs. Accessed 14 Oct. 2025.
“Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. Accessed 14 Oct. 2025.
“Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 15 Oct. 2025.
“Emergency Department Services.” Medicare.Gov, Medicare, www.medicare.gov/coverage/emergency-department-services. Accessed 14 Oct. 2025.
“Medicare Communications and Marketing Guidelines (MCMG) Date: 02/09/2022.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/medicare-communications-marketing-guidelines-2-9-2022.pdf. Accessed 14 Oct. 2025.
Seladi-Schulman, Jill. “Medicare IRMAA: What Is It and When Does It Apply?” Healthline, Healthline Media, 22 Apr. 2025, www.healthline.com/health/medicare/what-is-irmaa.
“Medicare and Medicaid Programs; CY 2025 Payment Policies Under the Physician Fee Schedule and Other Changes to Part B Payment and Coverage Policies; Medicare Shared Savings Program Requirements; Medicare Prescription Drug Inflation Rebate Program; and Medicare Overpayments.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2024/07/31/2024-14828/medicare-and-medicaid-programs-cy-2025-payment-policies-under-the-physician-fee-schedule-and-other. Accessed 14 Oct. 2025.
“Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” FederalRegister.Gov, Federal Register, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare. Accessed 15 Oct. 2025.
“Out-of-Pocket Maximum/Limit.” HealthCare.Gov, www.healthcare.gov/glossary/out-of-pocket-maximum-limit/. Accessed 14 Oct. 2025.
 
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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.

As select Medicare Advantage and Medicare Part D plans go non-commissionable, we’ve been hearing whispers about consulting fees. Rather than stay silent, we’ve got some words of caution and solutions for agents to consider.
 
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Contact Us!
Email ASGPodcast@Ritterim.com or reach out to Ritter’s Sales Team near you! 
 
Resources:
7 Actions You Can Take If Your Medicare Plans Go Non-Commissionable
8 Reasons Why Insurance Agents Should Sell ACA Plans
ACA 101: Selling Under-65 Health Insurance
A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products
Final Expense Insurance: How Much Can Clients Expect It to Cover?
Register with Ritter Insurance Marketing
Selling Hospital Indemnity with Medicare Advantage: Is It Worth It?
 
References:
Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026
Medicare Advantage Program Regulations
Medicare Part D Communication Requirements
AEP Media Toolkit from NABIP
 
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://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance    
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

 
Stay HIPAA compliant with the Agent Survival Guide Podcast! Find out what you’re responsible for under HIPAA regulations.
 
Read the text version.
 
Download the PDF
 
Mentioned in this episode:
 
HHS Minimum Necessary Requirement
HHS: New rule protects patient privacy, secures health information
HHS Summary of the HIPAA Security Rule
Is Your Agency Ready for a HIPAA Audit?
Why Every Agency Should Work for HIPAA Compliance
 
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Want to make sure your Medicare sales and marketing materials are compliant this AEP? We've got the answers to frequently asked compliance question. We'll help you stay on good terms with CMS!
Do’s and Don’ts of Medicare Compliance
Need a recap on Medicare compliance before AEP? We break down the CMS Medicare Communications and Marketing Guidelines for insurance agents, including new compliance rules for 2020. We’ll go over what’s allowed — and what’s not — in this can’t-miss episode of the ASG Podcast.
Insurance Agents & CMS Compliance | Social Media 101
Stay compliant with the CMS Medicare Communications and Marketing Guidelines — even while on social media. We outline the best practices for insurance agents to follow while using social media.
Social Media Privacy Tips for Insurance Agents | Social Media 101
Online privacy is a big deal. You want to use social media to market your insurance business. How do you protect yourself and your clients? We've got some best practices and a link to a very informative eBook that’s free to download. Listen to find out more!
What’s New in the 2020 Medicare Communications and Market Guidelines?
Make sure you're compliant with the latest CMS Medicare Communications and Marketing Guidelines. We've got an update on the 2020 MCMG that you don't want to miss.
 
The latest from Ritter’s Blog:
 
Why Go About Your Business in an Ethical, Compliant Fashion?
We’ve already told you the many ways you can remain compliant as an insurance agent. In this article, we want to focus on the “why.” Why should you go about your business in an ethical, compliant… (read more)
The Agent Survival Guide Has a New Home
Big things are happening with the Agent Survival Guide in 2020! Now, all our Agent Survival Guide content is available on RitterIM.com. Here’s everything you need to know about the... (read more)
Should You Become a Certified Insurance Counselor?
Are you considering becoming a Certified Insurance Counselor? For some agents, this certification may be something brand new! We’re here to break down what this certification is, how you can obtain... (read more)
 
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Want to make sure your Medicare sales and marketing materials are compliant this AEP? We've got the answers to frequently asked compliance question. We'll help you stay on good terms with CMS!
 
Read the text version.
 
Mentioned in this episode:
 
CMS 2019 Medicare Communications and Marketing Guidelines
CMS Memo [8/16/2019]: Medicare Communications and Marketing Guidelines
Ritter’s Certification Center
Social Security Act: Section 1140
 
More episodes you’ll like:
 
Do’s and Don’ts of Medicare Compliance | ASG164
Need a recap on Medicare compliance before AEP? We break down the CMS Medicare Communications and Marketing Guidelines for insurance agents, including new compliance rules for 2020. We’ll go over what’s allowed — and what’s not — in this can’t-miss episode of the ASG Podcast.
How to Follow up with Medicare Clients Compliantly | ASG132
Think your job as an agent is complete after the sale? Not so fast. We whole-heartedly believe that the fortune is found in the follow-up! If you’re not sure how to follow up with your clients, listening to this episode is a great place to start.
Insurance Agents & CMS Compliance | Social Media 101
Stay compliant with the CMS Medicare Communications and Marketing Guidelines — even while on social media. We outline the best practices for insurance agents to follow while using social media.
Rules for Hosting a Compliant Medicare Educational Event | ASG165
If you want to host a Medicare educational event, listen to this episode first! We cover how to plan, promote, and present your next event, including how to make sure you're compliant with the CMS Medicare Communications and Marketing Guidelines! We've also got details on a guide that outlines the whole process! 
Rules for Hosting a Compliant Medicare Sales Event | ASG166
Ready to hold a Medicare sales event? Check out this updated episode! You'll learn best practices for planning, promoting, and presenting your sales event while staying compliant with the 2020 CMS Medicare Communications and Marketing Guidelines!
Social Media Privacy Tips for Insurance Agents | Social Media 101
Online privacy is a big deal. You want to use social media to market your insurance business. How do you protect yourself and your clients? We've got some best practices and a link to a very informative eBook that’s free to download. Listen to find out more!
What’s New in the 2020 Medicare Communications and Marketing Guidelines? | ASG News
Make sure you're compliant with the latest CMS Medicare Communications and Marketing Guidelines. We've got an update on the 2020 MCMG that you don't want to miss.
 
The latest from Agent Survival Guide:
 
How to Host a Successful Medicare Educational Event
Looking to host a Medicare educational event? Check out our FREE guide! If you’ve been hosting educational events for years, we think you’ll still enjoy our tips and tricks to make your event even more successful. Agents with all levels of expertise can benefit from... (read more)
Staying Compliant Without Compromising Salesmanship
Staying compliant with every rule surrounding Medicare can seem daunting. If you’re busy making sure you’re staying compliant, how will you ever have time to meet with clients and sell? Aligning yourself... (read more)
Tips on Dealing with a Difficult Client
In an ideal world, all your clients would be an absolute pleasure to work with and selling them plans would be a piece of cake. However, we know this isn’t always the... (read more)
 
Subscribe & Follow:
 
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Google Podcasts
Overcast
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Connect on social:
 
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Twitter
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LinkedIn
 

 
If you're feeling overwhelmed by Medicare compliance, then this episode is one you simply must listen to! We've got three easy ways to stay compliant without having to sacrifice time that could be spent selling. Check out our show notes for a special bonus section with links to our compliance resources.
 
Read the text version.
 
Ritter Insurance Marketing Compliance Resources:
 
Are Your Medicare Marketing Materials Compliant?
Do’s and Don’ts of Medicare Compliance
How to Follow up with Medicare Clients Compliantly
How to Host a Successful Medicare Education Event (Guide)
Rules for Hosting a Compliant Medicare Educational Event
Rules for Hosting a Compliant Medicare Sales Event
What’s New in the 2020 Medicare Communications and Marketing Guidelines?
 
Mentioned in this episode:
 
CMS 2019 Medicare Communications and Marketing Guidelines
CMS Memo [8/16/2019]: Medicare Communications and Marketing Guidelines
Learn more about Medicareful or sign up for your own free site!
Register with Ritter Insurance Marketing
The Ritter Platform
What an FMO Can Do for Your Business
What to Know About SOAs in Senior Market Sales
 
More episodes you’ll like:
 
Are Your Medicare Marketing Materials Compliant? | ASG121
Are you following the rules for marketing Medicare plans? We're sharing the answers to frequently asked compliance questions to help you ensure you stay on good terms with CMS.
Do’s and Don’ts of Medicare Compliance | ASG164
Need a recap on Medicare compliance before AEP? We break down the CMS Medicare Communications and Marketing Guidelines for insurance agents, including new compliance rules for 2020. We’ll go over what’s allowed — and what’s not — in this can’t-miss episode of the ASG Podcast.
How to Follow up with Medicare Clients Compliantly | ASG132
Think your job as an agent is complete after the sale? Not so fast. We whole-heartedly believe that the fortune is found in the follow-up! If you’re not sure how to follow up with your clients, listening to this episode is a great place to start.
Insurance Agents & CMS Compliance | Social Media 101
Stay compliant with the CMS Medicare Communications and Marketing Guidelines — even while on social media. We outline the best practices for insurance agents to follow while using social media.
Rules for Hosting a Compliant Medicare Educational Event | ASG165
If you want to host a Medicare educational event, listen to this episode first! We cover how to plan, promote, and present your next event, including how to make sure you're compliant with the CMS Medicare Communications and Marketing Guidelines! We've also got details on a guide that outlines the whole process! 
Rules for Hosting a Compliant Medicare Sales Event | ASG166
Ready to hold a Medicare sales event? Check out this updated episode! You'll learn best practices for planning, promoting, and presenting your sales event while staying compliant with the 2020 CMS Medicare Communications and Marketing Guidelines!
Social Media Privacy Tips for Insurance Agents | Social Media 101
Online privacy is a big deal. You want to use social media to market your insurance business. How do you protect yourself and your clients? We've got some best practices and a link to a very informative eBook that’s free to download. Listen to find out more!
What’s New in the 2020 Medicare Communications and Marketing Guidelines? | ASG News
Make sure you're compliant with the latest CMS Medicare Communications and Marketing Guidelines. We've got an update on the 2020 MCMG that you don't want to miss.
 
The latest from Agent Survival Guide:
 
How to Host a Successful Medicare Educational Event
Looking to host a Medicare educational event? Check out our FREE guide! If you’ve been hosting educational events for years, we think you’ll still enjoy our tips and tricks to make your event even more successful. Agents with all levels of expertise can benefit from... (read more)
How to Use the New Medicare Plan Finder & FAQs
As the Annual Enrollment Period approaches, it’s important to be aware of changes affecting the tools and resources you use and to understand how to navigate through any updates. Late last month, Medicare.gov... (read more)
Tips on Dealing with a Difficult Client
In an ideal world, all your clients would be an absolute pleasure to work with and selling them plans would be a piece of cake. However, we know this isn’t always the... (read more)
 
Subscribe & Follow:
 
Apple Podcasts
Google Podcasts
Overcast
Podbean
Spotify
Stitcher
 
Connect on social:
 
Facebook
Twitter
YouTube
LinkedIn
 

 
Ready to hold a Medicare sales event? Check out this updated episode! You'll learn best practices for planning, promoting, and presenting your sales event while staying compliant with the 2020 CMS Medicare Communications and Marketing Guidelines!
 
Read the text version.
 
Mentioned in this episode:
 
3 Easy Ways to Build Your Insurance Sales Territory
CMS 2019 Medicare Communications and Marketing Guidelines
CMS Memo [8/16/2019]: Medicare Communications and Marketing Guidelines
Do’s and Don’ts of Medicare Compliance
How to Host a Successful Medicare Educational Event
Rules for Hosting a Compliant Medicare Educational Event
What’s New in the 2020 Medicare Communications and Marketing Guidelines
 
More episodes you’ll like:
 
4 Reasons Why Ritter Should Be Your FMO Insurance Agency | ASG156
Looking for an FMO? Not sure what a field marketing organization like Ritter Insurance Marketing can do for your insurance business? Learn everything you need to know in this can’t-miss episode of the ASG Podcast!
AHIP Test Tips and Tricks for Medicare Certification | ASG163
Learn the rules for taking the AHIP test, information on discounts and reimbursement, how to prepare yourself, test-taking tips, legit tech hacks, and more! Before you begin your first attempt at AHIP certification, be sure to listen to this ASG Podcast episode!
Do’s and Don’ts of Medicare Compliance | ASG164
Need a recap on Medicare compliance before AEP? We break down CMS’ Medicare Communications and Marketing Guidelines for insurance agents, including new compliance rules for 2020. We’ll go over what’s allowed — and what’s not — in this can’t-miss episode of the ASG Podcast.
Insurance Agents & CMS Compliance | Social Media 101
Stay compliant with the CMS Medicare Communications and Marketing Guidelines — even while on social media. We outline the best practices for insurance agents to follow while using social media.
Rules for Hosting a Compliant Medicare Sales Event | ASG165
If you want to host a Medicare educational event, listen to this episode first! We cover how to plan, promote, and present your next event, including how to make sure you're compliant with the CMS Medicare Communications and Marketing Guidelines! We've also got details on a guide that outlines the whole process! 
What’s New in the 2020 Medicare Communications and Marketing Guidelines? [UPDATED] | ASG News
Make sure you're compliant with the latest CMS Medicare Communications and Marketing Guidelines. We've got an update on the 2020 MCMG that you don't want to miss.
 
The latest from Agent Survival Guide:
 
How to Host a Successful Medicare Educational Event
Looking to host a Medicare educational event? Check out our FREE guide! If you’ve been hosting educational events for years, we think you’ll still enjoy our tips and tricks to make your event even more successful. Agents with all levels of expertise can benefit from... (read more)
How to Use the New Medicare Plan Finder & FAQs
As the Annual Enrollment Period approaches, it’s important to be aware of changes affecting the tools and resources you use and to understand how to navigate through any updates. Late last month, Medicare.gov... (read more)
Staying Compliant Without Compromising Salesmanship
Staying compliant with every rule surrounding Medicare can seem daunting. If you’re busy making sure you’re staying compliant, how will you ever have time to meet with clients and sell? Aligning yourself... (read more)
 
Subscribe & Follow:
 
Apple Podcasts
Google Podcasts
Overcast
Podbean
Spotify
Stitcher
 
Connect on social:
 
Facebook
Twitter
YouTube
LinkedIn
 

 
If you want to host a Medicare educational event, listen to this episode first! We cover how to plan, promote, and present your next event, including how to make sure you're compliant with the CMS Medicare Communications and Marketing Guidelines! We've also got details on a guide that outlines the whole process! 
 
Read the text version.
 
Get Your Guide Today! – How to Host a Successful Medicare Educational Event
 
Mentioned in this episode:
 
CMS 2019 Medicare Communications and Marketing Guidelines
CMS Memo [8/16/2019]: Medicare Communications and Marketing Guidelines
Do’s and Don’ts of Medicare Compliance
How to Host a Successful Medicare Educational Event
Rules for Hosting a Compliant Medicare Sales Event
 
More episodes you’ll like:
 
4 Reasons Why Ritter Should Be Your FMO Insurance Agency | ASG156
Looking for an FMO? Not sure what a field marketing organization like Ritter Insurance Marketing can do for your insurance business? Learn everything you need to know in this can’t-miss episode of the ASG Podcast!
AHIP Test Tips and Tricks for Medicare Certification | ASG163
Learn the rules for taking the AHIP test, information on discounts and reimbursement, how to prepare yourself, test-taking tips, legit tech hacks, and more! Before you begin your first attempt at AHIP certification, be sure to listen to this ASG Podcast episode!
Do’s and Don’ts of Medicare Compliance | ASG164
Need a recap on Medicare compliance before AEP? We break down the CMS Medicare Communications and Marketing Guidelines for insurance agents, including new compliance rules for 2020. We’ll go over what’s allowed — and what’s not — in this can’t-miss episode of the ASG Podcast.
Insurance Agents & CMS Compliance | Social Media 101
Stay compliant with the CMS Medicare Communications and Marketing Guidelines — even while on social media. We outline the best practices for insurance agents to follow while using social media.
What’s New in the 2020 Medicare Communications and Marketing Guidelines? [UPDATED] | ASG News
Make sure you're compliant with the latest CMS Medicare Communications and Marketing Guidelines. We've got an update on the 2020 MCMG that you don't want to miss.
 
The latest from Agent Survival Guide:
 
How to Host a Successful Medicare Educational Event
Looking to host a Medicare educational event? Check out our FREE guide! If you’ve been hosting educational events for years, we think you’ll still enjoy our tips and tricks to make your event even more successful. Agents with all levels of expertise can benefit from... (read more)
How to Use the New Medicare Plan Finder & FAQs
As the Annual Enrollment Period approaches, it’s important to be aware of changes affecting the tools and resources you use and to understand how to navigate through any updates. Late last month, Medicare.gov... (read more)
Staying Compliant Without Compromising Salesmanship
Staying compliant with every rule surrounding Medicare can seem daunting. If you’re busy making sure you’re staying compliant, how will you ever have time to meet with clients and sell? Aligning yourself... (read more)
 
Subscribe & Follow:
 
Apple Podcasts
Google Podcasts
Overcast
Podbean
Spotify
Stitcher
 
Connect on social:
 
Facebook
Twitter
YouTube
LinkedIn