Agent Survival Guide Podcast
Compliance
Episodes
Tuesday Dec 09, 2025
Tuesday Dec 09, 2025
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!
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:
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/.
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.
Saturday Dec 06, 2025
Saturday Dec 06, 2025
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.
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:
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.
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.
Monday Dec 01, 2025
Monday Dec 01, 2025
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.
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.
Saturday Nov 29, 2025
Saturday Nov 29, 2025
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!
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:
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.
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.
Saturday Nov 22, 2025
Saturday Nov 22, 2025
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.
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.
Saturday Nov 22, 2025
Saturday Nov 22, 2025
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.
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.`
Saturday Nov 22, 2025
Saturday Nov 22, 2025
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.
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.
Tuesday Oct 28, 2025
Tuesday Oct 28, 2025
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!
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:
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.
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.
Saturday Oct 25, 2025
Saturday Oct 25, 2025
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.
Read the text version
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.
Tuesday Jul 01, 2025
Tuesday Jul 01, 2025
Ever thought about incorporating your insurance business? Not sure if it’s the right move? In this episode, Sarah is joined by attorneys Frank Lavery and Justin Abodalo to learn more about business entities and how they’re structured. Frank focuses on the corporate law side, while Justin specializes in tax implications. Listen as theyir share their knowledge and weigh the pros and cons of each business structure option.
Find Frank Lavery Online:
LinkedIn: https://www.linkedin.com/in/frank-lavery-a05a57255/
McNees: https://www.mcneeslaw.com/people/frank-lavery/
Find Justin Abodalo Online:
LinkedIn: https://www.linkedin.com/in/justin-abodalo-463b3547/
McNees: https://www.mcneeslaw.com/people/justin-abodalo/
References:
Finnerty, Timothy, et al. “Closing Call for the Corporate Transparency Act: Fincen Removes Reporting Requirements for Domestic Business Entities.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 27 Mar. 2025, www.mcneeslaw.com/closing-call-corporate-transparency-act-fincen/.
Abodalo, Justin. “New Digital World, New Category of Form 1099.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 2 Oct. 2024, www.mcneeslaw.com/new-digital-world-form-1099/.
“Tax and Corporate Law Publications.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 30 Apr. 2025, www.mcneeslaw.com/practice/corporate-tax/.
Resources:
Building the Foundation for Success ft. Roy Snarr: https://lnk.to/snarr2025
Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025
Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025
Register with Ritter Insurance Marketing
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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Monday Jun 23, 2025
Monday Jun 23, 2025
The 2026 AHIP Certification training is now live! We’re covering AHIP FAQs to help you prepare!
Read the text version
Resources:
Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651
Get Access to Exclusive Leads When You Become a PlanEnroll Network Agent: https://lnk.to/3pKJsF
FAQs About NABIP Medicare Certification: https://ritterim.com/blog/faqs-about-nabip-medicare-certification/
FMO vs. IMO vs. NMO vs. MGA vs. GA: What’s the Difference? https://lnk.to/asg658
The Survivor’s AEP Checklist: https://ritterim.com/blog/the-survivors-aep-checklist/
Updates to the 2026 AHIP Certification You Should Know: https://ritterim.com/blog/updates-to-the-2026-ahip-certification-you-should-know/
References:
“AHIP Medicare + Fraud, Waste, and Abuse (MFWA) Online Course.” Ahipmedicaretraining.com, 2025, https://www.ahipmedicaretraining.com/page/login. Accessed 20 May 2025.
AHIP Technical Support: Support@AHIPInsuranceEducation.org
Sawchuck, Craig. “Test Anxiety: Can It Be Treated?” Mayo Clinic, 14 May 2024, www.mayoclinic.org/diseases-conditions/generalized-anxiety-disorder/expert-answers/test-anxiety/faq-20058195. Accessed 20 May 2025.
“Top Universities.” Top Universities, Nov. 2012, https://www.topuniversities.com/student-info/health-and-support/exam-preparation-ten-study-tips. Accessed 20 May 2025.
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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Monday Jun 23, 2025
Monday Jun 23, 2025
Keep track of your AEP prep to-do checklist with help from Ritter's certification center and Ritter Blog weekly roundups. Listen to find out how to access carrier AHIP, NABIP, MA and PDP certification, product training details, and more!
Resources:
eBooks & Guides for Insurance Agents: https://ritterim.com/guides/
FAQs About NABIP Medicare Certification: https://ritterim.com/blog/faqs-about-nabip-medicare-certification/
Ritter Insurance Marketing Certification Center: https://docs.ritterim.com/products/certification/
What Is AHIP Certification and How Do I Get It? https://lnk.to/asg672
References:
“Medicare Advantage Certification.” NABIP.Org, NABIP, www.nabiptraining.org/nabip/medicare. Accessed 30 May 2025.
“Medicare + Fraud, Waste, and Abuse Training.” Ahip.Org, AHIP, www.ahip.org/courses/medicare-fraud-waste-and-abuse-training. Accessed 30 May 2025.
“Miramar:Agent.” Miramar-Agent.Com, Miramar, miramar-agent.com/KnowledgeBase/Article?kb=5. Accessed 30 May 2025.
“Medicare Certification System.” Pinpointglobal.Com, Pinpoint Global, www.pinpointglobal.com/medicare-certification-system. Accessed 30 May 2025.
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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Monday Jun 02, 2025
Monday Jun 02, 2025
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.
Read the text version
Resources:
5 Things from the CMS 2026 MA and Part D Final Rule: https://lnk.to/asgf20250502
Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025
Register with Ritter: https://app.ritterim.com/public/registration/
Ritter Insurance Marketing Certification Center: https://docs.ritterim.com/products/certification/
References:
“AHIP Corporate Partnerships.” Ahip.Org, AHIP, www.ahip.org/corporate-partnerships. Accessed 12 May 2025.
“Medicare + Fraud, Waste, and Abuse Training.” Ahip.Org, AHIP, www.ahip.org/courses/medicare-fraud-waste-and-abuse-training. Accessed 12 May 2025.
“AHIP Member Organization.” Ahip.Org, AHIP, www.ahip.org/members. Accessed 12 May 2025.
“AHIP Official Website.” Ahip.Org, AHIP, www.ahip.org/. Accessed 12 May 2025.
“AHIP Unveils Refreshed Brand, Updated Mission to Improve Health Care for All Americans.” Ahip.Org, AHIP, www.ahip.org/news/press-releases/ahip-unveils-refreshed-brand-updated-mission-to-improve-health-care-for-all-americans. Accessed 12 May 2025.
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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Monday Feb 10, 2025
Monday Feb 10, 2025
Stay compliant while sharing beneficiary data with other TPMOs. We explain the CMS rules for agents obtaining prior express written consent.
Read the text version
Resources:
2025 Medicare Market Disruption Means Opportunity for Agents: https://ritterim.com/follow-medicare-changes/
Contact the Ritter Insurance Marketing Compliance Team by emailing complianceofficer@ritterim.com
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://lnk.to/IO4lRf
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
TCPA Regulations: https://docs.ritterim.com/compliance/sales-communication-practices/#tcpa
What Are Agents Responsible for Under HIPAA? https://ritterim.com/blog/what-are-agents-responsible-for-under-hipaa/
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:
“.Com Disclosures: How to Make Effective Disclosures in Digital Advertising.” Ftc.Gov, Federal Trade Commission, www.ftc.gov/sites/default/files/attachments/press-releases/ftc-staff-revises-online-advertising-disclosure-guidelines/130312dotcomdisclosures.pdf. Accessed 27 Jan. 2025.
“Clear and Conspicuous Definition.” Ecfr.Gov, The Federal Register, www.ecfr.gov/current/title-16/chapter-I/subchapter-B/part-255#p-255.0(f). Accessed 27 Jan. 2025.
“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.
“Integrity Compliance Guidelines Third Party Marketing Organization (‘TPMO’) Sharing of Personal Beneficiary Data with Other TPMOs.” Ritter Insurance Marketing, Integrity, ritterim.com/documents/personal-beneficiary-data-sharing-tpmo-guidelines.pdf. Accessed 27 Jan. 2025.
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/
Not affiliated with or endorsed by Medicare or any government agency.
Tuesday Feb 18, 2020
Tuesday Feb 18, 2020
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
More episodes you’ll like:
Are Your Medicare Marketing Materials Compliant?
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)
Subscribe & Follow:
Apple Podcasts
Google Podcasts
Overcast
Podbean
Spotify
Stitcher
Connect on social:
Facebook
Twitter
YouTube
LinkedIn