Agent Survival Guide Podcast
Portfolio
Episodes
Saturday Dec 06, 2025
Saturday Dec 06, 2025
Medicare Supplement comes in a few different variations, and each has its own merits. In this episode of our ASG Podcast, learn more about Med Supp Plan N and why it deserves a spot in your portfolio.
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📧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:
Ritter & Integrity Webinars/Events
The Ideal Client for Medicare Supplement Plans
When Do Med Supp Plans K, L, M, & N Make Sense?
References:
“2024 Rate Increase Justification Plain ...” UHC.Com, UnitedHealthcare Insurance Company, https://www.uhc.com/content/dam/uhcdotcom/en/Legal/required-state-notices/2024-VT-Rate-Increase-Justification-AARP-Medicare-Supp-plans.pdf. Accessed 19 Nov. 2025.
Rosenberg, Alex, and Holly Carey. “How Much Does a Medicare Supplement Insurance Plan Cost?” NerdWallet, https://www.nerdwallet.com/article/insurance/medicare/medigap-cost. Accessed 19 Nov. 2025.
Maiale, Ben. “Medicare Supplement Premium Rates – Looking to the Past and Planning for the Future.” Genre, https://www.genre.com/us/knowledge/publications/2023/october/medicare-supplement-premium-rates-en. Accessed 19 Nov. 2025.
Whicheloe, Emily. “Medigap Changes in 2020.” Medicare Rights Center, 11 Apr. 2019, https://www.medicarerights.org/medicare-answers/2019/04/11/blog-medigap-changes-in-2020.
“NHE Fact Sheet.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/data-research/statistics-trends-and-reports/national-health-expenditure-data/nhe-fact-sheet. Accessed 19 Nov. 2025.
Noam, Eli. Medigap Plans Analysis Nov 2023, Columbia University Emeritus Professors in Columbia, https://professorsemeritus.columbia.edu/sites/professorsemeritus.columbia.edu/files/content/PDFs/Medigap-plans-analysis-Nov-2023.pdf. Accessed 19 Nov. 2025.
Fuglesten Biniek, Jeannie, et al. “Traditional Medicare Spending Fell Almost 6% in 2020 as Service Use Declined Early in the COVID-19 Pandemic.” KFF, 9 Aug. 2025, https://www.kff.org/medicare/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/
Not affiliated with or endorsed by Medicare or any government agency.
Saturday Nov 29, 2025
Saturday Nov 29, 2025
The Annual Enrollment Period holds many sales opportunities; some you may not know the full value of! Discover how Medicare Supplements can benefit you and your clients during AEP!
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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:
A Comprehensive Guide to Medicare Supplement Underwriting FREE eBook Download
CSG Actuarial – Quote & Enroll Ancillary Solutions
Cure Your Client’s Needs with a PDP
Finding the Best Medicare Supplement Plan Letter for Your Client
Guiding Your Clients Through Med Supp Underwriting
How to Save Your Clients Money on Prescription Drugs
Meet Your Ritter Sales Team
Medicare Supplements Full the Gaps in Your Portfolio
The Ideal Client for Medicare Supplement Plans
What to Know When Replacing Existing Med Supp Plans for Clients
When Do Med Supp Plans K, L, M, & N, Make Sense?
References:
“Am Best.” Web.Ambest.Com, www.web.ambest.com/home. Accessed 29 Oct. 2025.
“Get Ready to Buy.” Medicare.Gov, www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 29 Oct. 2025.
“How Much Does Medicare Drug Coverage Cost?” Medicare.Gov, www.medicare.gov/health-drug-plans/part-d/basics/costs. Accessed 29 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.
Wednesday Nov 19, 2025
Wednesday Nov 19, 2025
In this episode we explain marketplace exchanges, ACA enrollment, and share educational Ritter resources for selling ACA!
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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:
3 Benefits of Selling ACA Insurance Plans
4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency
ACA Enrollment Periods Explained
Agent Requirements for ACA Sales
Announcing the Launch of IntegrityCONNECT
Everything You Need to Know About the ACA OEP
FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans
Learn more about Ritter Insurance Marketing!
Register with Ritter Insurance Marketing
Simplify Marketplace Enrollment with HealthSherpa
The Complete Guide to Selling Affordable Care Act Insurance Plans
References:
“Getting Health Coverage Outside Open Enrollment.” HealthCare.Gov, www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/. Accessed 31 Oct. 2025.
“The Marketplace in Your State.” HealthCare.Gov, www.healthcare.gov/marketplace-in-your-state/. Accessed 31 Oct. 2025.
“Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, www.healthcare.gov/. Accessed 31 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.
Saturday Nov 01, 2025
Saturday Nov 01, 2025
Have you heard? The definition of Short-Term Limited Duration Insurance has changed. We unpack what it means for insurance agents!
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🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
CMS & HHS Expand ACA Catastrophic Coverage Enrollment
ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents
Judge Vacates HHS MA Commissions Lawsuit
Ritter Insurance Marketing Carrier Partners
The Fight for ACA Enhanced Premium Tax Credits
References:
“Public Health Service Act.” Govinfo.Gov, govinfo.gov, www.govinfo.gov/content/pkg/COMPS-8773/pdf/COMPS-8773.pdf. Accessed 21 Oct. 2025.
“Short-Term Health Insurance Availability and Limits by State.” Healthinsurance.Org, healthinsurance.org, 15 Aug. 2025, www.healthinsurance.org/short-term-health-insurance/.
“Short-Term Health Insurance: How It Works and Who It’s For.” Healthinsurance.Org, healthinsurance.org, 30 Sept. 2025, www.healthinsurance.org/short-term-health-insurance/.
“Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage.” Federalregister.Gov, Federal Register, 3 Apr. 2024, www.federalregister.gov/documents/2024/04/03/2024-06551/short-term-limited-duration-insurance-and-independent-noncoordinated-excepted-benefits-coverage.
“Statement of U.S. Departments of Labor, Health and Human Services, and the Treasury Regarding Short-Term, Limited Duration Insurance.” Cms.Gov, Centers for Medicare & Medicaid Services, 7 Aug. 2025, www.cms.gov/files/document/statement-regarding-short-term-limited-duration-insurance.pdf.
“What Is Individual Health Insurance?” Healthinsurance.Org, healthinsurance.org, 14 Feb. 2025, www.healthinsurance.org/glossary/individual-health-insurance/.
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Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Not affiliated with or endorsed by Medicare or any government agency.
Monday Aug 25, 2025
Monday Aug 25, 2025
Lisa Marzolino and Danica Stover join Sarah to talk about ICHRA (Individual Coverage Health Reimbursement Arrangements) and the partnership between Nexben and Ritter Insurance Marketing. Listen to learn more about this exciting opportunity for agents!
🚨UPDATE: This episode was recorded and produced prior to U.S. District Judge Hurson's decision to stay several provisions from the 2025 ACA Marketplace Integrity and Affordability Rule. For information on those changes, we recommend listening to our August 29th Friday Five episode, Judge Grants Stay on Many 2025 ACA Final Rule Provisions
Questions about ICHRA? Ready to get started? Reach out to Nexben at RitterICHRA@nexben.com or call 1-888-613-6461.
Resources:
5 Things About ICHRA
How an ICHRA Partnership Can Support ACA Sales
ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents
Questions to Ask Clients Shopping for an ACA Plan
References:
“A Broker’s Guide to ICHRA Defined Contributions: Strategies, Affordability, and Examples.” Nexben.Com, Nexben, 31 July 2025, www.nexben.com/blog/a-brokers-guide-to-ichra-defined-contributions-strategies-affordability-and-examples.
“ICHRA Guide for Individual Coverage HRAS 2025.” Takecommandhealth.Com, Take Command Health, 10 June 2025, www.takecommandhealth.com/ichra-guide.
“ICHRA Reporting Requirements: Details to Know & How Nexben Helps.” Nexben.Com, Nexben, 18 June 2025, www.nexben.com/blog/ichra-reporting-requirements-details-to-know-how-nexben-helps.
“The Power of an ICHRA: ICHRA Benefits for Employees, Employers, and Brokers.” Nexben.Com, Nexben, 17 Apr. 2025, www.nexben.com/blog/the-power-of-an-ichra-ichra-benefits-for-employees-employers-and-brokers.
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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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Monday Jun 30, 2025
Monday Jun 30, 2025
Is business growth on your 2025 goals list? Don't miss this episode! We outline features and drawbacks of the different carrier types to help you fill in portfolio gaps.
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Request your Free Portfolio Review from the team at Ritter
Resources:
Adding Spokes to Your Wheel ft. Robert Rothschild: https://lnk.to/rothschild2025
Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651
Learn more about Integrity Tools: https://ritterim.com/integrity-tools/
Meet the Ritter Sales Team: https://ritterim.com/meet-your-sales-team/
Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025
Portfolio Review Request: https://ritterim.com/portfolio/?utm_source=asg_podcast_link
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/?utm_source=asg_podcast_link
Ritter Insurance Marketing Carriers by State: https://ritterim.com/products/by-carrier/
Ritter Platform: https://app.ritterim.com/
Takeaways on Social Media Marketing in 2025: https://lnk.to/asgf20250523
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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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Monday May 26, 2025
Monday May 26, 2025
What products can agents cross-sell with Medicare? Learn how plan pairings work between the different Medicare insurance options. We can help you build up your portfolio with ancillary product options for your clients.
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Resources:
A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://ritterim.com/selling-ancillary-with-medicare/
Boost Business Selling Hospital Indemnity Insurance: https://ritterim.com/blog/boost-business-selling-hospital-indemnity-insurance/
Building the Foundation for Success ft. Roy Snarr: https://agentsurvivalguide.podbean.com/e/building-the-foundation-for-success-ft-roy-snarr/
How Relationship Marketing Can Make the Difference in Your Agency: https://agentsurvivalguide.podbean.com/e/how-relationship-marketing-can-make-the-difference-in-your-agency/
Operating From a People-First Mentality ft. Scott Zimmerman: https://agentsurvivalguide.podbean.com/e/operating-from-a-people-first-mentality-ft-scott-zimmerman/
Sense Success with Dental, Vision, and Hearing Plans: https://ritterim.com/blog/sense-success-with-dental-vision-and-hearing-plans/
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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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Tuesday Apr 22, 2025
Tuesday Apr 22, 2025
Join Sarah and Danica as they discuss how agents in the Medicare industry can easily step into the Under-65 market!
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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:
ACA 101: Selling Under-65 Health Insurance: https://lnk.to/chQNkw
How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://lnk.to/qzlRwV
Sign’s It’s Time to Expand Your Insurance Portfolio & Make the Move! https://ritterim.com/blog/signs-its-time-to-expand-your-insurance-portfolio-and-make-the-move/
Questions to Ask Clients Shopping for an ACA Plan: https://lnk.to/ZmW0rd
Register with Ritter Insurance Marketing
The State of the ACA Market in 2025: https://ritterim.com/blog/the-state-of-the-aca-market-in-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.
Wednesday Apr 16, 2025
Wednesday Apr 16, 2025
Universal life insurance can be confusing for clients. In this episode we break down the three main types and helpful tips for educating 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:
5 Life Insurance Myths Your Clients May Believe: https://ritterim.com/blog/5-life-insurance-myths-your-clients-may-believe/
Get Your Portfolio Review: https://ritterim.com/portfolio/>/p>
Identifying Ideal Clients for Universal Life Products: https://ritterim.com/blog/identifying-ideal-clients-for-universal-life-products/
Life Insurance for Each of Life’s Stages: https://ritterim.com/blog/life-insurance-for-each-of-lifes-stages/
Register with Ritter: https://app.ritterim.com/public/registration/
The Complete Guide on How to Sell Final Expense Insurance FREE eBook Download: https://ritterim.com/final-expense-ebook/
References:
Kagan, Julia. “Term Life Insurance: What It Is, Different Types, Pros and Cons.” Investopedia, Investopedia, https://www.investopedia.com/terms/t/termlife.asp. Accessed 18 Mar. 2025.
Powers, Stephanie. “What Is Indexed Universal Life Insurance (IUL)?” Investopedia, Investopedia, https://www.investopedia.com/articles/insurance/09/indexed-universal-life-insurance.asp. Accessed 18 Mar. 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.
Wednesday Mar 05, 2025
Wednesday Mar 05, 2025
Ready to scale, but not sure where to start? Maximize your reach by building out your sales portfolio! We explain the benefits of a diverse insurance portfolio complete with the “how-to-do-it” framework.
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Claim Your FREE Portfolio Review Today!
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://ritterim.com/selling-ancillary-with-medicare/
Are You Self-Sabotaging Your Insurance Sales Success? https://ritterim.com/blog/are-you-self-sabotaging-your-insurance-sales-success/
How Relationship Marketing Can Make the Difference in Your Agency: https://lnk.to/asg642
Interview: Boost Your Commissions with a New Hospital Indemnity Sales Strategy: https://ritterim.com/blog/interview-boost-your-commissions-with-a-new-hospital-indemnity-sales-strategy/
Interview: Relationship Marketing Strategies for Insurance Agents: https://lnk.to/9b3cTl
Knight School Expand & Dominate Learning Path: https://ritterim.com/knight-school/expand-dominate/
Learn About the Ritter Certification Center: https://ritterim.com/ritter-certification-center/
Meet Your Ritter Sales Specialist: https://ritterim.com/meet-your-sales-team/
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
REWIND: 8 Relationship Marketing Strategies for Insurance Agents: https://lnk.to/9b3cTl
Ritter Insurance Marketing Webinar and Events: https://ritterim.com/events/
The Beginner’s Guide to D-SNPs: https://lnk.to/asg648
The Complete Guide on How to Sell Final Expense Insurance: https://ritterim.com/final-expense-ebook/
The Complete Guide to Selling Affordable Care Act Insurance Plans: https://ritterim.com/aca-ebook/
References:
Lopes, Lunna, et al. “Americans’ Challenges with Health Care Costs.” KFF.Org, KFF, 7 May 2024, www.kff.org/health-costs/issue-brief/americans-challenges-with-health-care-costs/.
Moynihan, Kyle. “Fidelity Investments® Releases 2024 Retiree Health Care Cost Estimate as Americans Seek Clarity Around Medicare Selection.” Fidelity, Fidelity, 8 Aug. 2024, newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2024-retiree-health-care-cost-estimate-as-americans-seek-clarity-arou/s/7322cc17-0b90-46c4-ba49-38d6e91c3961.
Cottrill, Alex, et al. “Income and Assets of Medicare Beneficiaries in 2023.” KFF.Org, KFF, 9 Feb. 2024, www.kff.org/medicare/issue-brief/income-and-assets-of-medicare-beneficiaries-in-2023/.
Vandenboss, Kevin. “The Average Millionaire Has 7 Sources Of Income - Here Are 3 You Can Start Building Today.” Finance.Yahoo.Com, Yahoo! Finance, 30 May 2024, finance.yahoo.com/news/average-millionaire-7-sources-income-164311915.html.
Farrell, Chris. “Why Multigenerational Households Are Making a Comeback in a Big Way.” Marketplace.Org, Marketplace, 3 Apr. 2024, www.marketplace.org/2024/04/03/multigenerational-households-housing-affordability/.
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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/
Not affiliated with or endorsed by Medicare or any government agency.
Monday Feb 24, 2025
Monday Feb 24, 2025
You might have heard some misconceptions about Dual Eligible Special Needs Plans. In this episode we’re busting those myths and highlighting D-SNPs’ potential!
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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:
Agent’s Guide to Digital Marketing Resources: https://lnk.to/D18qeY
Building Client Loyalty: More than Just a Plan: https://ritterim.com/blog/building-client-loyalty-more-than-just-a-plan/
Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://lnk.to/tj8oG1
Diversify Your Insurance Portfolio & Reap Real Rewards: https://ritterim.com/blog/diversify-your-insurance-portfolio-and-reap-real-rewards/
Get Your Insurance Portfolio Reviewed for FREE: https://ritterim.com/portfolio/
How Relationship Marketing Can Make the Difference in Your Agency: https://lnk.to/asg642
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
The Beginner’s Guide to D-SNPs: https://lnk.to/asg648
References:
Freed, Salama, et al. “10 Things to Know about Medicare Advantage Dual-Eligible Special Needs Plans (D-Snps).” KFF, KFF, https://www.kff.org/medicare/issue-brief/10-things-to-know-about-medicare-advantage-dual-eligible-special-needs-plans-d-snps/. Accessed 31 Jan. 2025.
Pena, Maria T., et al. “A Profile of Medicare-Medicaid Enrollees (Dual Eligibles).” KFF, KFF, 17 Feb. 2023, https://www.kff.org/medicare/issue-brief/a-profile-of-medicare-medicaid-enrollees-dual-eligibles/.
“Beneficiaries Dually Eligible for Medicare & Medicaid.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/outreach-and-education/medicare-learning-network-mln/mlnproducts/downloads/medicare_beneficiaries_dual_eligibles_at_a_glance.pdf. Accessed 31 Jan. 2025.
Biniek, Jeannie Fuglesten, et al. “Medicare Advantage in 2024: Enrollment Update and Key Trends.” KFF, KFF, 8 Aug. 2024, https://www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-enrollment-update-and-key-trends/.
Johnston, Kenton J., et al. “Nationwide Availability of and Enrollment in Medicare and Medicaid Dual-Eligible Special Needs Plans With Exclusively Aligned Enrollment.” Jama Network, Jama Health Forum, https://jamanetwork.com/journals/jama-health-forum/fullarticle/2824902. Accessed 31 Jan. 2025.
“New Special Enrollment Periods (Seps) for Dually Eligible ...” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/files/document/duals-lissepsjobaid01012025.pdf. Accessed 31 Jan. 2025.
“Seniors & Medicare and Medicaid Enrollees.” Medicaid.Gov, https://www.medicaid.gov/medicaid/eligibility/seniors-medicare-and-medicaid-enrollees/index.html. Accessed 31 Jan. 2025.
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Wednesday Oct 28, 2020
Wednesday Oct 28, 2020
How would an unexpected diagnosis affect your clients? Give them peace of mind with coverage that can help ease the stress of cancer treatment.
Read the text version.
Mentioned in this episode:
Death or Debt? National Estimates of Financial Toxicity in Person with Newly-Diagnosed Cancer
Every ‘Second’ Counts: Why Sell Cancer, Heart Attack and Stroke Insurance?
How much can a healthy lifestyle cut your risk of cancer?
Lifetime Risk of Developing or Dying From Cancer
More episodes you’ll like:
4 Ancillary Cross-Sales to Show Clients You Care
Ready to get started cross-selling? What products can you cross-sell with Medicare? Build up your insurance portfolio with our list of must-have ancillary products!
Every ‘Second’ Counts: Why Sell Cancer, Heart Attack and Stroke Insurance?
Build a portfolio that shows clients you care. Cancer, heart attack, and stroke insurance plans provide coverage and peace of mind when your clients need it most.
Learn How to Cross-Sell Ancillary Insurance with Medicare Products
Ready to boost your Medicare business? Increase your sales commissions and improve client retention at the same time, all without additional certifications. Learn about the power of cross-selling and how you can get started today!
Secure a Bigger, Better Business with Ancillary Products
Want to branch out from Medicare Advantage or Medicare Supplement sales? Learn how ancillary products can help you expand your reach and add more value to your portfolio.
Why You Need to Make Time for Medicare Training (& Where to Find Great Resources!)
Gaining knowledge through training is more than just a necessity. It’s a strategy that helps you stand out from your competition and grow your insurance business.
The latest from Ritter’s Blog:
Major Changes Coming to the MA & PDP Market for 2021
Thinking of selling Medicare Advantage and prescription drug plans for 2021? Agents and beneficiaries can expect to see six major improvements in several categories associated with the 2021 MA & PDP market: enrollment, affordability, accessibility, value, and plan choice. Keep reading to get all the details!
Rules for Hosting a Compliant Medicare Educational Event
While events are often a great way to generate leads, holding Medicare educational events during the COVID pandemic is a legal and ethical grey area. What is allowed at seminars for the 2021 AEP?
Rules for Hosting a Compliant Medicare Sales Event
Are you considering holding a marketing event to get the attention of more Medicare clients? You’ll need to follow CMS’ rules for hosting sales events.
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Wednesday Jun 03, 2020
Wednesday Jun 03, 2020
Get ready to find out what selling Medicare Advantage is all about! Whether you’re already an insurance agent selling Medicare or you’re transitioning to MA sales, we want to help you build your career. Our eBook is packed with information on Medicare Advantage – certification, contracting, sales pitches, cross-selling tips, training, marketing, and more! Wondering who qualifies for MA plans or when you can enroll your clients? We answer those questions, and give you an AEP Ready-to-Sell Checklist, FAQs on AHIP, and info on enrolling clients online with Medicareful. Download your copy of our FREE eBook today!
Grab Your FREE Copy - https://www.ritterim.com/medicare-advantage-ebook/
Mentioned in this episode:
Get the eBook – The Complete Guide on How to Sell Medicare Advantage Plans
More episodes you’ll like:
May 29, 2020 | The Friday Five
The Friday Five for May 29, 2020: CMS Releases Final Rule for Medicare Advantage & Part D 2021; Telehealth on the rise with consumers; CMS Announces Part D Senior Savings Model featuring affordable insulin; Apple and Google Contact Tracing API; and Kaiser Permanente releases Covid-19 Playbook
5 Major Things to Expect in the Medicare Advantage Market for 2020
What's new in the Medicare Advantage Market for 2020? The ASG Podcast has the scoop on what you can expect in the coming year, including new MA carriers!
Defining the True Value of $0 Premium for Medicare Advantage Plans
There’s more to $0 Premium Medicare Advantage plans than just the premium. Learn about all the costs associated with these popular plans so you can help your senior clients know what to expect when they access their coverage.
Selling Hospital Indemnity Insurance with Medicare Advantage – Is It Worth It?
Pairing hospital indemnity with Medicare Advantage does so much more than generating additional sales. This cross-sale helps shield your clients from the rising costs of a hospital stay. Discover why hospital indemnity could be just the plan your portfolio has been missing!
Understanding Medicare Advantage Enrollment Periods
What are the different Medicare Advantage enrollment periods? How and when do your clients qualify for them? Get the answers to your MA enrollment period questions in this episode of the ASG Podcast!
The latest from Ritter’s Blog:
Tips on How to Stay Productive When Working From Home
When your schedule is thrown for a loop due to something like COVID-19, or any other event that changes how you work, it can be hard to find a new normal.
A Review of the Top Medicare Quote Engines for Insurance Agents
An agent selling Medicare products is only as good as the Medicare quoting tool they’re using. We’re looking at agents’ top options for fast and reliable Medicare quoting software and what makes them so special.
Ritter Can Help You Stay in Touch with Your Clients
In any type of business, client retention is just as important as taking on new clients. In the insurance world, once a sale is closed, your duty as an agent isn’t over.
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Tuesday Apr 14, 2020
Tuesday Apr 14, 2020
Looking for insurance products to sell during the Medicare lock-in period? In this episode, we highlight the top 5 products insurance agents should include in their portfolio all year round!
Read the text version.
Register with Ritter
Ritter’s Round Table
Mentioned in this episode:
6 Health Services Not Covered by Medicare
Cancer State Facts: Cancer of Any Site
Cardiovascular Disease: A Costly Burden for America – Projections through 2035
Chronic Condition Special Needs Plans (C-SNPs)
Column: Why these unique Medicare Advantage plans are poised for popularity
Defining the True Value of $0 Premium for Medicare Advantage Plans
Dual-Eligible Special Needs Plans (D-SNPs)
Facts & Figures 2019: US Cancer Death Rate has Dropped 27% in 25 Years
Is Medicare the Only Health Insurance I Need?
Long-term care: The Basics
Medicare Advantage Special Needs Plans:
The Beginner’s Guide to C-SNPs
The Beginner’s Guide to D-SNPs
How to Transition from AEP to D-SNPs
The Benefits of Selling D-SNPs
Should You Sell D-SNPs?
Hospital Indemnity Insurance:
Cover Those Copays with Hospital Indemnity Plans
Boost Business Selling Hospital Indemnity
Selling Hospital Indemnity with Medicare Advantage: Is It Worth It?
Medicare MSA Plans & Hospital Indemnity Insurance: The Perfect Pair
Dental, Vision, and Hearing Insurance:
Sense Success with Dental, Vision, and Hearing Plans
4 Steps to Selling Dental, Vision, and Hearing Insurance
Cancer/Critical Illness Plans:
4 Steps to Selling Cancer Insurance
Why Is Cancer Insurance Worth Selling?
Every ‘Second’ Counts: Why Sell Cancer, Heart Attack and Stroke Insurance?
These Plans Are Critical to Your Business Strategy
Critical Illness Plans: Your Cure for Unhealthy Sales
Why Critical Illness Insurance Can Breathe New Life into Your Business
Long-Term Care/Short-Term Care Insurance:
The Real Cost of Long-Term Care
Are You Offering Multiple LTC Insurance Options?
4 Out-of-the-Box Long-Term Care Insurance Solutions
4 Ways to Fund Long-Term Care: Hybrid Insurance
Short-Term Care Insurance: A Top LTCi Alternative for Clients
STCi Solutions for LTCi Prospects (Infographic)
Life Insurance:
5 Life Insurance Myths Your Clients May Believe
3 Ways to Calculate Your Clients’ Life Insurance Needs
Life Insurance for Each of Life’s Stages
When to Recommend Life Insurance Based on Its Tax Advantages
The Complete Guide on How to Sell Final Expense Insurance (eBook)
More episodes you’ll like:
4 Steps to Selling Cancer Insurance
Use these steps to sell your next (or first!) cancer insurance policy. Find out how to start the conversation, overcome common objectives, and more.
5 Life Insurance Myths Your Clients May Believe
Do your clients truly understand life insurance? We debunk five myths your clients may use as objections to purchasing a policy. Learn how to handle these objections and make the sale!
Boost Business Selling Hospital Indemnity Insurance
Ready to grow your insurance business? Learn more about hospital indemnity insurance, a powerful ancillary tool for your portfolio. We cover what you need to know, from the basics to closing the sale!
Critical Illness Plans: Your Cure for Unhealthy Sales
Generate more sales with Critical Illness plans. We make the case for adding these lucrative plans to your portfolio.
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.
FMO vs. IMO vs. NMO vs. MGA vs. GA: What's the Difference?
We've got a lot of jargon to keep up with in the insurance industry. In this episode, we're going to unpack the acronyms for the types of individuals and organizations that exist in the industry to help you make your some of your business decisions a whole lot easier.
The Beginner’s Guide to D-SNPs
What is a Dual Eligible Special Needs Plan? How do you sell it? Where do you find dual-eligible prospects? Our D-SNP primer answers these questions and more!
The Real Cost of Long-Term Care
Think your clients know all the costs associated with retirement? Learn more about the true cost of Long-Term Care so you can pass that knowledge – and peace of mind! – on to your clients.
Ready to Join an FMO? 10 Things to Consider
Thinking about partnering with a field marketing organization? Wondering how you can tell the good from the bad? Our top 10 list outlines what you need to know before you partner with an FMO.
Short-Term Care Insurance: A Top LTCi Alternative for Clients
Think LTCi is your client’s only option? Explore Short-Term Care Insurance and its benefits.
The latest from Ritter’s Blog:
Guiding Your Agency Through COVID-19
The COVID-19 virus has effectively changed the way the United States operates for the foreseeable future. With business closures and travel restrictions, the potential to harm small businesses like insurance agencies is obvious and potentially devastating. But, with the right combination of planning and flexibility — and a dash of help from your friendly FMO — it doesn’t have to derail your agency’s productivity.
How to Successfully Set SMART Goals
Setting goals is great way to keep your business on track with a clear path ahead. We recommend setting goals at the beginning of each plan year to help you flourish in the year to come.
Ritter and Carrier Operations During the COVID-19 Pandemic
The COVID-19 virus has effectively changed the way the United States operates for the foreseeable future. A compilation of information from the carriers Ritter supports regarding their capacity to continue operations during the COVID-19 pandemic.
What Agents Can’t Say During Medicare Sales Appointments
The Centers for Medicare & Medicaid Services have some strict rules on what agents can and cannot say during Medicare sales appointments, but pulling them out of the dense Medicare Communications and Marketing Guidelines (MCMG) can be tough and time-consuming. Here are some examples to help simplify things!
More People Working Past Age 65: What It Means for Agents Selling Medicare Plans
For agents selling Medicare plans, the stereotypical prospect has been someone with graying hair, approaching the age of 65 or already past it, and retired. There have always been those who don’t fit this stereotype; however, lately, you’ve probably noticed more of them.
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Tuesday Feb 25, 2020
Tuesday Feb 25, 2020
Build a portfolio that shows clients you care. Cancer, heart attack, and stroke insurance plans provide coverage and peace of mind when your clients need it most.
Read the text version.
Download the infographic.
Mentioned in this episode:
4 Steps to Selling Cancer Insurance
CDC: Leading Causes of Death
Cancer Stat Facts: Cancer of Any Site
Cardiovascular Disease: A Costly Burden for America Projections Through 2035
Critical Illness Plans: Your Cure for Unhealth Sales
Facts & Figures 2018: Rate of Deaths From Cancer Continues Decline
Getting Started Selling Medicare Supplements
Heart Disease and Stroke Statistics-2019-At-a-Glance
Heart Disease and Stroke Statistics-2018-At-a-Glance
Secure a Bigger, Better Business with Ancillary Products
Why Is Cancer Insurance Worth Selling?
More episodes you’ll like:
February 21, 2020
The Friday Five for February 21, 2020: How to Cross-Sell Insurance: The Advisor Approach
Ready to improve your cross-selling technique? Not sure where to start? We recommend using the advisor approach, a simple method any agent can use for insurance cross-sales.
Tips for Cross-Selling Medicare Products
Maximize your business and your profits by cross-selling. We’ve put together a list of tips to help you get started!
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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