Agent Survival Guide Podcast
The Friday Five
Episodes
6 days ago
6 days ago
The Friday Five for May 23, 2025:
Field Notes 5.23.2025
Google Announces NotebookLM App
AI Actions in Microsoft Windows 11
TikTok Sleep Meditation for Teens
2025 Social Media Marketing Industry Report
Field Notes 5.23.2025:
Register for Ritter Insurance Marketing Summits: https://summits.ritterim.com/
Google Announces NotebookLM App:
Beaty, Artie. “Google’s Popular AI Tool Gets Its Own Android App - How to Use NotebookLM on Your Phone.” Zdnet.Com, ZDNET, 19 May 2025, www.zdnet.com/article/googles-popular-ai-tool-gets-its-own-android-app-how-to-use-notebooklm-on-your-phone/.
Peters, Jay. “Google Releases Its NotebookLM Mobile App.” Theverge.Com, The Verge, 19 May 2025, www.theverge.com/news/669828/google-releases-its-notebooklm-mobile-app.
Wang, Biao. “Understand Anything, Anywhere with the New NotebookLM App.” Blog.Google, Google Blog, 19 May 2025, blog.google/technology/ai/notebooklm-app/.
Microsoft Announces AI Actions in Windows 11:
Warren, Tom. “Microsoft Is Putting AI Actions into the Windows File Explorer.” Theverge.Com, The Verge, 20 May 2025, www.theverge.com/news/670251/microsoft-windows-11-ai-actions-file-explorer-context-menu.
Whitney, Lance. “Microsoft’s New AI Tool Lets You Edit Images and Summarize Docs Right in File Explorer.” Zdnet.Com, ZDNET, 20 May 2025, www.zdnet.com/article/microsofts-new-ai-tool-lets-you-edit-images-and-summarize-docs-right-in-file-explorer/.
TikTok Sleep Meditation for Teens:
Hasan, Sadiba. “Can TikTok Help Young People Take a Break From Screens?” Nytimes.Com, The New York Times, 19 May 2025, www.nytimes.com/2025/05/17/style/tiktok-guided-meditation-sleep.html.
Malik, Aisha. “Tiktok Rolls out a New Meditation Feature to Help You Get off the App and Sleep.” Techcrunch.Com, TechCrunch, 15 May 2025, techcrunch.com/2025/05/15/tiktok-rolls-out-a-new-meditation-feature-to-help-you-get-off-the-app-and-sleep/.
Roth, Emma. “Tiktok Will Show Teens Guided Meditation after 10pm.” Theverge.Com, The Verge, 15 May 2025, www.theverge.com/news/668051/tiktok-guided-meditation-wind-down-10pm.
2025 Social Media Marketing Industry Report:
Stelzner, Michael A. “2025 Social Media Marketing Industry Report.” Socialmediaexaminer.Com, Social Media Examiner, www.socialmediaexaminer.com/social-media-marketing-industry-report-2025/. Accessed 21 May 2025.
Learning to Delight in the Limelight ft. Linda Ugelow: https://lnk.to/asg644
Order Your Copy of Delight in the Limelight: https://lindaugelow.com/delight-in-the-limelight/
Resources:
5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131
Best Video Editing Apps for Social Media: https://lnk.to/8xfGo0
Community Engagement & ACA Marketing Suggestions: https://lnk.to/ASG665
From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025
Social Media Marketing for Insurance Agents: https://ritterim.com/social-media-ebook/
The Best Books for Insurance Agents: https://ritterim.com/blog/the-best-books-for-insurance-agents/
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.
Friday May 16, 2025
Friday May 16, 2025
The Friday Five for May 16th, 2025:
Dunkin’ and Starbucks Summer 2025 Menus
Viral Music Charts for Content Creation
Potential Heart Benefit in Shingles Vaccine
Possible Hints at ACA Subsidy Direction for 2026
AHIP 2026 Certification Dates
Dunkin’ and Starbucks Summer 2025 Menus:
“Dunkin’ Summer Menu.” Dunkindonuts.Com, Dunkin’, www.dunkindonuts.com/en/summer-menu. Accessed 13 May 2025.
Fink, Bailey. “Starbucks Is Bringing Back Customers’ ‘Favorite Drink Ever’ This Summer.” Allrecipes.Com, Allrecipes, 17 Apr. 2025, www.allrecipes.com/starbucks-summer-menu-2025-11717043.
Baker, Nicolette. “Starbucks’ Summer Menu Just Dropped — Including a Brand-New Iced Beverage.” Foodandwine.Com, Food & Wine, 15 Apr. 2025, www.foodandwine.com/starbucks-summer-menu-2025-11715175.
Viral Music Charts for Content Creation:
“100 Top Trending Songs on TikTok.” Tokchart.Com, Tokchart, tokchart.com/. Accessed 14 May 2025.
Bowe, Tucker. “Apple Quietly Gave Your Iphone a Simple yet Fun New Feature.” Gearpatrol.Com, Gear Patrol, 12 May 2025, www.gearpatrol.com/tech/apple-music-shazam-viral-chart/.
“Shazam Viral Global Chart .” Shazam.Com, Shazam, www.shazam.com/charts/viral/world. Accessed 14 May 2025.
“Spotify Viral 50 - Global.” Spotify.Com, Spotify, open.spotify.com/playlist/37i9dQZEVXbLiRSasKsNU9?si=4zvmJR7bQnajf6_StIGfuw. Accessed 14 May 2025.
“Viral Chart on Apple Music.” Music.Apple.Com, Apple Music, music.apple.com/us/playlist/viral-chart/pl.b127c05305ad413fb742e8585599ec84. Accessed 14 May 2025.
Potential Heart Health Benefit in Shingles Vaccine:
McLendon, Russell. “Shingles Vaccine Can Reduce Risk of Stroke And Heart Attack, Study Finds.” Sciencealert.Com, ScienceAlert, 12 May 2025, www.sciencealert.com/shingles-vaccine-can-reduce-risk-of-stroke-and-heart-attack-study-finds.
Rudy, Melissa. “Shingles Vaccine Has Unexpected Effect on Heart Health.” Foxnews.Com, FOX News Network, 9 May 2025, www.foxnews.com/health/shingles-vaccine-has-unexpected-effect-heart-health.
“Shingles Vaccine Lowers the Risk of Heart Disease for up to Eight Years.” Escardio.Org, European Society of Cardiology, 6 May 2025, www.escardio.org/The-ESC/Press-Office/Press-releases/shingles-vaccine-lowers-the-risk-of-heart-disease-for-up-to-eight-years.
Griesser, Kameryn. “Shingles Vaccine Reduces Risk of Heart Disease by 23%, Study of One Million People Finds.” Cnn.Com, Cable News Network, 12 May 2025, www.cnn.com/2025/05/09/health/shingles-heart-disease-vaccine-shots-wellness.
Possible Hints at ACA Subsidy Direction for 2026:
Tong, Noah. “CMS Hints at Possible Cost-Sharing Reduction Payments for Insurers, Impacting ACA Enrollment.” Fiercehealthcare.Com, Fierce Healthcare, 7 May 2025, www.fiercehealthcare.com/payers/cms-hints-possible-cost-sharing-reduction-payments-insurers-impacting-aca-enrollment.
“Explaining Health Care Reform: Questions About Health Insurance Subsidies.” Kff.Org, KFF, 25 Oct. 2024, www.kff.org/affordable-care-act/issue-brief/explaining-health-care-reform-questions-about-health-insurance-subsidies/.
“Offering of Off-Exchange-Only Plans without ‘CSR Loading.’” Cms.Gov, Centers for Medicare & Medicaid Services, 2 May 2025, www.cms.gov/files/document/offering-exchange-only-plans-without-csr-loading.pdf.
“Plan Year 2026 Individual Market Rate Filing Instructions.” Cms.Gov, Centers for Medicare & Medicaid Services, 2 May 2025, www.cms.gov/files/document/py-26-individual-market-rate-filing-instructions.pdf.
AHIP 2026 Certification Dates:
“AHIP Medicare + Fraud, Waste, and Abuse Online Course.” Ahipmedicaretraining.Com, AHIP, www.ahipmedicaretraining.com/page/login. Accessed 13 May 2025.
Resources:
5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411CMS Updates to MA and Part D for CY 2026: https://lnk.to/asgf20250425 Fact vs. Fiction: Examining the Medicare Part B Premium Giveback: https://lnk.to/asg667
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.
Friday May 09, 2025
Friday May 09, 2025
The Friday Five for May 9, 2025:
Rite Aid Files for Chapter 11 Bankruptcy Again
Apple WWDC 2025 Dates & Rumors
Discount Medicare Insurance Scam Alert
Rueppel Recommends Books & Streaming Picks May 2025
Aetna Health Plans to Exit ACA Marketplace for CY 2026
Rite Aid Files for 2nd Chapter 11 Bankruptcy:
Download the “Rite Aid Letter to Customers - May 5, 2025.” Restructuring.Ra.Kroll.Com, Kroll Restructuring Administration, restructuring.ra.kroll.com/RiteAid/Home-DownloadPDF?id1=MzM0MTA2Mg%3D%3D&id2=0. Accessed 6 May 2025.
Grothaus, Michael. “Rite Aid Bankruptcy: What to Know about Store Closings, Prescription Transfers, Layoffs, Gift Cards, and More.” Fastcompany.Com, Fast Company, 6 May 2025, www.fastcompany.com/91329223/rite-aid-bankruptcy-2025-stores-closing-prescription-transfers-gift-cards.
Arias, Pilar. “Rite Aid Files for Bankruptcy for Second Time in Less than 2 Years.” Foxbusiness.Com, Fox Business, 6 May 2025, www.foxbusiness.com/economy/rite-aid-files-bankruptcy-second-time-less-than-2-years.
Powel, James. “Rite Aid Files for Chapter 11 Bankruptcy, Promises ‘smooth Transfer’ of Prescriptions.” Usatoday.Com, Gannett Satellite Information Network, 6 May 2025, www.usatoday.com/story/money/retail/2025/05/05/rite-aid-chapter-11-bankruptcy/83467189007/.
“Rite Aid Store Locater.” Riteaid.Com, Rite Aid, www.riteaid.com/locations/. Accessed 6 May 2025.
Urie, Daniel. “Rite Aid Tells Vendors It ‘Has Generally Stopped Purchasing Goods and Services.’” Pennlive.Com, PennLive, 5 May 2025, www.pennlive.com/business/2025/05/rite-aid-tells-vendors-it-has-generally-stopped-purchasing-goods-and-services.html.
Mills, Sean I. “What to Do with Your Prescriptions Now That Rite Aid Is Closing All Stores.” Romesentinel.Com, Daily Sentinel, 6 May 2025, www.romesentinel.com/news/rome-new-hartford-rite-aid-store-closings/article_98f2300b-600c-4937-b8d0-686ece8d36e9.html.
Apple WWDC 2025 Dates & Rumors:
Lovejoy, Ben. “90% of People Shouldn’t Buy the iPhone 17 Air, per Apple.” 9to5mac.Com, 9to5Mac, 6 May 2025, 9to5mac.com/2025/05/06/90-of-people-shouldnt-buy-the-iphone-17-air-per-apple/.
Schroeder, Stan. “Apple Is Planning a New iPhone Launch Schedule, Report Claims.” Mashable, Mashable, 5 May 2025, mashable.com/article/apple-iphone-launch-schedule.
“iOS 7 vs iOS 6 Side-by-Side Visual Comparisons.” Osxdaily.Com, OS X Daily, osxdaily.com/2013/06/11/ios-7-vs-ios-6-visual-comparison/. Accessed 6 May 2025.
Christoffel, Ryan. “iOS 19: Three New Features Are Being Announced next Month.” 9to5mac.Com, 9to5Mac, 5 May 2025, 9to5mac.com/2025/05/05/ios-19-three-new-features-are-being-announced-next-month/.
Clover, Juli. “iOS 19: Everything We Know.” Macrumors.Com, MacRumors, 5 May 2025, www.macrumors.com/roundup/ios-19/.
Discount Medicare Insurance Scam Alert:
“Emerging Discount Medical Insurance Scams.” Ic3.Gov, Internet Crime Complaint Center (IC3), 30 Apr. 2025, www.ic3.gov/PSA/2025/PSA250430.
Dimuro, Claudia. “FBI Alerts Public in Pa., beyond to Emerging Scam: Here’s What to Know.” Pennlive.Com, PennLive, 5 May 2025, www.pennlive.com/life/2025/05/fbi-alerts-public-in-pa-beyond-to-emerging-scam-heres-what-to-know.html.
Burman, Theo. “FBI Issues New Warning Over Health Insurance Scams.” Newsweek.Com, Newsweek, 6 May 2025, www.newsweek.com/fbi-issues-new-warning-over-health-insurance-scams-2068626.
Rueppel Recommends:
Wynn-Williams, Sarah. “Careless People: A Cautionary Tale of Power, Greed, and Lost Idealism.” Spotify, Flatiron Books, open.spotify.com/show/279JRLPYDjvmsS81C7SOzg?si=215e5504c3ea4510. Accessed 6 May 2025.
Ridgely, Charlie. “Everything Coming to Netflix, Max, Disney+ & Other Streaming Services in May 2025.” ComicBook.Com, ComicBook, 30 Apr. 2025, comicbook.com/tv-shows/news/new-streaming-movies-tv-shows-may-2025-netflix-disney-max/.
Bet-David, Patrick. “Your Next Five Moves: Master the Art of Business Strategy.” Spotify, Gallery Books, https://open.spotify.com/show/1mCTkhoZxUOH6iA9b8Dx2y?si=b11263c88e3a43ff. Accessed 6 May 2025.
Bet-David, Patrick. Your Next Five Moves, Gallery Books, www.yournextfivemoves.com/. Accessed 6 May 2025.
Aetna Health Plans to Exit ACA Marketplace for CY 2026:
Minemyer, Paige. “Aetna to Exit the ACA Exchanges in 2026.” Fiercehealthcare.Com, Fierce Healthcare, 1 May 2025, www.fiercehealthcare.com/payers/aetna-exit-aca-exchanges-2026.
Pifer, Rebecca. “CVS Plans to Exit ACA Individual Exchanges, Strikes Wegovy Deal with Novo Nordisk.” Healthcaredive.Com, Healthcare Dive, 1 May 2025, www.healthcaredive.com/news/cvs-aetna-exit-aca-novo-nordisk-wegovy-deal/746833/.
Japsen, Bruce. “CVS Plans To Exit Obamacare In 2026, Affecting 1 Million Aetna Members.” Forbes.Com, Forbes Magazine, 1 May 2025, www.forbes.com/sites/brucejapsen/2025/05/01/cvs-plans-to-exit-obamacare-in-2026-impacting-1-million-aetna-members/.
How Plan Crosswalks Work in the ACA Marketplace: https://lnk.to/ASG664
Resources:
5 Myths About Selling ACA Health Insurance Plans: https://lnk.to/asg660
5 Things from the CMS 2026 MA and Part D Final Rule: https://lnk.to/asgf20250502
Agent Requirements for ACA Sales: https://lnk.to/ASG662
Learn How to Sell ACA Products During the Off-Season ft. Danica Stover: https://lnk.to/asg661
Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025
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.
Friday May 02, 2025
Friday May 02, 2025
Join Sarah as she dives back into CMS regulations! This week, she highlights 5 regulations from the 2026 Medicare Advantage and Part D Final Rule.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411
CMS 2025 Marketplace Integrity & Affordability Proposed Rule: https://lnk.to/asgf20250314
CMS Updates to MA and Part D for CY 2026: https://lnk.to/asgf20250425
Expanded Medicare Telehealth Benefits Extended Through September 2025: https://ritterim.com/blog/expanded-medicare-telehealth-benefits-extended-through-september-2025/
Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule: https://ritterim.com/blog/recent-aca-changes-reversed-with-2026-marketplace-proposed-rule/
References:
“CMS Finalizes 2026 Payment Policy Updates for Medicare Advantage and Part D Programs.” CMS.Gov, Centers for Medicare and Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/press-releases/cms-finalizes-2026-payment-policy-updates-medicare-advantage-and-part-d-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 (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2025, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final.
“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, 15 Apr. 2025, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare.
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.
Friday Apr 25, 2025
Friday Apr 25, 2025
The Friday Five for April 25, 2025:
Dr. Oz shares MAHA vision as CMS admin
CY 2026 Part D Coverage Cost Breakdown
CY 2026 Selected Drug Subsidy Cost Breakdown
Provisions Not Finalized in 2026 MA and Part D Final Rule
Impact of Non-Finalized Provisions on Agents
Dr. Oz shares MAHA vision as CMS admin:
Simmons-Duffin, Selena. “5 Things to Know as Dr. Oz Prepares to Lead Medicare and Medicaid.” NPR.Org, NPR, 3 Apr. 2025, www.npr.org/sections/shots-health-news/2025/03/25/g-s1-55766/dr-mehmet-oz-medicare-medicaid-cms-trump.
“Dr. Mehmet Oz Shares Vision for CMS.” CMS.Gov, Centers for Medicare & Medicaid Services, 25 Apr. 2025, www.cms.gov/newsroom/press-releases/dr-mehmet-oz-shares-vision-cms.
Olsen, Emily. “Dr. Oz Sworn in as CMS Administrator.” Healthcaredive.Com, Healthcare Dive, 21 Apr. 2025, www.healthcaredive.com/news/dr-mehmet-oz-sworn-in-cms-administrator/745880/.
CY 2026 Part D Coverage Cost Breakdown:
“Final CY 2026 Part D Redesign Program Instructions.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/final-cy-2026-part-d-redesign-program-instructions. Accessed 23 Apr. 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, 15 Apr. 2025, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare.
CY 2026 Selected Drug Subsidy Cost Breakdown:
John, Stephnie A., and Abdie Santiago. “The IRA in 2025: The Future of Medicare Part D.” Mintz.Com, Mintz, 13 Feb. 2025, www.mintz.com/insights-center/viewpoints/2146/2025-02-13-ira-2025-future-medicare-part-d.
“Medicare Prescription Drug Benefit Manual – Chapter 5.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/chapter-5-benefits-and-beneficiary-protection-v92011.pdf. Accessed 23 Apr. 2025.
“Factsheet: Medicare Drug Price Negotiation Program.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-selected-drug-negotiation-list-ipay-2026.pdf. Accessed 23 Apr. 2025.
Provisions Not Finalized in 2026 MA and Part D Final Rule:
“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 24 Apr. 2025.
Tong, Noah. “Medicare Advantage Final Rule Excludes Anti-Obesity Drug Coverage under Medicare, Medicaid.” Fiercehealthcare.Com, Fierce Healthcare, 4 Apr. 2025, www.fiercehealthcare.com/payers/medicare-advantage-final-rule-excludes-anti-obesity-drug-coverage-under-medicare-medicaid.
“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 24 Apr. 2025.
“Medicare Coverage of Anti-Obesity Medications.” Aspe.Hhs.Gov, Assistant Secretary for Planning and Evaluation, 26 Nov. 2024, aspe.hhs.gov/sites/default/files/documents/127bd5b3347b34be31ac5c6b5ed30e6a/medicare-coverage-anti-obesity-meds.pdf.
Resources:
2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://ritterim.com/blog/2025-maximum-broker-commissions-for-medicare-advantage-and-medicare-part-d/
3 Additional Effective Techniques for Closing Insurance Sales: https://lnk.to/asg656
4 Effective Techniques for Closing Insurance Sales: https://lnk.to/asg655
5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411
CMS Updates, Content Library, & More! https://lnk.to/asgf20250328
Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule: https://ritterim.com/blog/recent-aca-changes-reversed-with-2026-marketplace-proposed-rule/
Subscribe to the Ritter Blog: https://ritterim.com/blog/
The Best Appointment Schedulers for Insurance Agents: https://lnk.to/asg657
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.
Friday Apr 11, 2025
Friday Apr 11, 2025
CMS just released the 2026 MA and Part D Rate Announcement! Listen to learn more about what this means for the upcoming coverage year.
Resources:
3 Additional Effective Techniques for Closing Insurance Sales: https://lnk.to/asg656
4 Effective Techniques for Closing Insurance Sales: https://lnk.to/asg655
CMS Updates, Content Library, & More! https://lnk.to/asgf20250328
Introducing a Content Marketing Solution for Insurance Agents: https://lnk.to/contentlibrary
The Best Appointment Schedulers for Insurance Agents: https://lnk.to/asg657
References:
“2026 Medicare Advantage and Part D Advance Notice Fact Sheet.” CMS.Gov, Centers for Medicare & Medicaid Services, 10 Jan. 2025, www.cms.gov/newsroom/fact-sheets/2026-medicare-advantage-and-part-d-advance-notice-fact-sheet.
“2026 Medicare Advantage and Part D Rate Announcement.” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/fact-sheets/2026-medicare-advantage-and-part-d-rate-announcement.
“Announcement of Calendar Year (CY) 2026 Medicare Advantage (MA) Capitation Rates and Part C and Part D Payment Policies.” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Apr. 2025, www.cms.gov/files/document/2026-announcement.pdf.
Tong, Noah. “CMS Finalizes 5.06% Medicare Advantage Benchmark Increase.” Fiercehealthcare.Com, Fierce Healthcare, 8 Apr. 2025, www.fiercehealthcare.com/payers/cms-finalizes-506-medicare-advantage-benchmark-increase.
“CMS Finalizes 2026 Payment Policy Updates for Medicare Advantage and Part D Programs.” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/press-releases/cms-finalizes-2026-payment-policy-updates-medicare-advantage-and-part-d-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 (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final.
“Final CY 2026 Part D Redesign Program Instructions.” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/fact-sheets/final-cy-2026-part-d-redesign-program-instructions.
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/
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.
Friday Apr 04, 2025
Friday Apr 04, 2025
Develop your personal brand with help from the Agent Survival Guide Podcast! Set yourself apart from the competition and formulate your marketing strategy at the same time!
Read the text version
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Resources:
5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd: https://lnk.to/asgf20250321
5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131
Apps for Content Creation: https://lnk.to/ASGA81
Build Your Brand with Community Involvement: https://ritterim.com/blog/build-your-brand-with-community-involvement/
CMS Updates, Content Library, & More! https://lnk.to/asgf20250328
How Relationship Marketing Can Make the Difference in Your Agency: https://lnk.to/asg642
Introducing a Content Marketing Solution for Insurance Agents: https://lnk.to/contentlibrary
Marketing Trends for 2025: https://lnk.to/asg639
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
References:
Sheldon, Robert. “What Is a Unique Selling Point (USP)?” Techtarget.Com, TechTarget, www.techtarget.com/whatis/definition/unique-selling-point-USP. Accessed 2 Apr. 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.
Friday Mar 28, 2025
Friday Mar 28, 2025
The Friday Five for March 28, 2025:
CMS Medicare $2 Drug List Model Cancelled
Oz Confirmed by Senate Finance Committee
CMS Withdraws Changes to MA and Part D FEMA SEP
Sarah Appears on The Seven Figures or Bust Podcast
Content Library for Insurance Agents Launches
CMS Medicare $2 Drug List Model Cancelled:
“CMS Innovation Center Announces Model Portfolio Changes to Better Protect Taxpayers and Help Americans Live Healthier Lives.” CMS.Gov, Centers for Medicare & Medicaid Services, 12 Mar. 2025, www.cms.gov/newsroom/fact-sheets/cms-innovation-center-announces-model-portfolio-changes-better-protect-taxpayers-and-help-americans.
Bell, Allison. “Trump Administration Ends Medicare’s $2 Drug Project.” Thinkadvisor.Com, ThinkAdvisor, 14 Mar. 2025, www.thinkadvisor.com/2025/03/14/trump-administration-ends-medicares-2-drug-project/.
Dr. Oz Confirmed by Senate Finance Committee:
Simmons-Duffin, Selena. “5 Things to Know as Dr. Oz Gets One Step Closer to Leading Medicare and Medicaid.” Npr.Org, NPR, 25 Mar. 2025, www.npr.org/sections/shots-health-news/2025/03/25/g-s1-55766/dr-mehmet-oz-medicare-medicaid-cms-trump.
Tong, Noah. “Oz Confirmation Vote Advances out of Senate Finance Committee.” Fiercehealthcare.Com, Fierce Healthcare, 25 Mar. 2025, www.fiercehealthcare.com/payers/oz-confirmation-vote-advances-out-senate-finance-committee.
Hubbard, Kaia. “Senate Committee Advances Dr. Mehmet Oz’s Nomination to Head the Centers for Medicare and Medicaid Services.” Cbsnews.Com, CBS News, 25 Mar. 2025, www.cbsnews.com/news/dr-oz-centers-for-medicare-and-medicaid-senate-finance-committee-vote/.
Olsen, Emily. “Senate Committee Advances Dr. Oz to Lead CMS.” Healthcaredive.Com, Healthcare Dive, 26 Mar. 2025, www.healthcaredive.com/news/dr-oz-nomination-cms-clears-senate-finance-committee/743570/.
CMS Withdraws Changes to MA and Part D FEMA SEP:
CMS Withdraws Changes to Disaster SEP Availability for Medicare Beneficiaries: https://ritterim.com/blog/cms-withdraws-changes-to-disaster-sep-availability-for-medicare-beneficiaries/
Medicare Advantage Emergency-Related SEPs: https://ritterim.com/blog/medicare-advantage-emergency-related-seps/
Sarah Appears on The Seven Figures or Bust Podcast:
Episode 79 – What Is CMS Doing? w/ Special Guest Sarah Rueppel! https://lnk.to/qzTwIw
The Seven Figures or Bust Podcast: https://sevenfigure.com/seven-figures-podcast/
The Seven Figure Medicare Agent Summit: https://sevenfiguremedicareagentsummit.com/
Content Library for Insurance Agents Launches:
Check Out the Content Library: https://library.ritterim.com/
Introducing a Content Marketing Solution for Insurance Agents: https://lnk.to/contentlibrary
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
Resources:
5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd: https://lnk.to/asgf20250321
Apps for Content Creation: https://lnk.to/ASGA81
CMS 2025 Marketplace Integrity & Affordability Proposed Rule: https://lnk.to/asgf20250314
Get Access to Exclusive Leads When You Become a PlanEnroll Network Agent: https://lnk.to/3pKJsF
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.
Friday Mar 21, 2025
Friday Mar 21, 2025
Why fit in when you can stand out and really shine? We highlight strategies insurance agents can use to elevate your marketing and set yourself apart in this industry.
Read the text version
Expand Your Insurance Industry Knowledge with Knight School!
Resources:
5 Tips for Creating Your Personal Brand: https://ritterim.com/blog/5-tips-for-creating-your-personal-brand/
Best Practices for Writing an Email to Your Insurance Clients: https://ritterim.com/blog/best-practices-for-writing-an-email-to-your-insurance-clients/
Build Your Brand with Community Involvement: https://ritterim.com/blog/build-your-brand-with-community-involvement/
CMS 2025 Marketplace Integrity & Affordability Proposed Rule: https://lnk.to/asgf20250314
Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651
How Professional Organizations Make You a Better Agent: https://ritterim.com/blog/how-professional-organizations-make-you-a-better-agent/
Keys to Client Retention: Face-to-Face Communication: https://ritterim.com/blog/keys-to-client-retention-face-to-face-communication/
Keys to Client Retention: Digital Communication: https://ritterim.com/blog/keys-to-client-retention-digital-communication/
Knight School Online Training: https://ritterim.com/knight-school/
Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/
Should You Become a Certified Insurance Counselor? https://ritterim.com/blog/should-you-become-a-certified-insurance-counselor/
References:
Bicaku, Enina. “16 Striking Business Card Trends of 2025 (+ 54 Examples).” Looka.Com, Looka, 2 Feb. 2025, looka.com/blog/business-card-trends/.
Khatri, Dimple. “28 Business Card Statistics That Will Surprise You in 2024.” Printtobrand.Com, Print To Brand, 2 Jan. 2025, printtobrand.com/business-cards-statistics/.
“AHIP.” Ahip.Org, AHIP, www.ahip.org/. Accessed 18 Mar. 2025.
“Business Cards Templates & Designs.” Vistaprint.Com, VistaPrint, www.vistaprint.com/business-cards/standard/templates. Accessed 18 Mar. 2025.
“English Language & Usage Stack Exchange.” English.Stackexchange.Com/, English Language & Usage Stack Exchange, english.stackexchange.com/. Accessed 18 Mar. 2025.
“Fonts That Get Your Business Card Noticed.” Psprint.Com, PsPrint, www.psprint.com/resources/powerful-business-card-fonts/. Accessed 18 Mar. 2025.
“Grammarly.” Grammarly.Com, Grammarly, www.grammarly.com/. Accessed 18 Mar. 2025.
“Grammarly Blog.” Grammarly.Com, Grammarly, www.grammarly.com/blog/. Accessed 18 Mar. 2025.
“How to Choose the Perfect Colors for Your Business Card.” Vistaprint.Com, VistaPrint, www.vistaprint.com/hub/business-card-colors. Accessed 18 Mar. 2025.
Laws, Jasmine. “Map Shows Most Spoken Languages in Each State Besides English and Spanish.” Newsweek.Com, Newsweek, 3 Dec. 2024, www.newsweek.com/map-shows-most-spoken-languages-each-state-besides-english-spanish-1993046.
“NABIP: Who We Are.” NABIP.Org, NABIP, nabip.org/who-we-are. Accessed 18 Mar. 2025.
Naifa. “National Association of Insurance and Financial Advisors.” Naifa.Org, National Association of Insurance and Financial Advisors, belong.naifa.org/. Accessed 18 Mar. 2025.
Fogarty, Mignon. “Grammer Girl Podcast.” Quickanddirtytips.Com, Quick and Dirty Tips, www.quickanddirtytips.com/grammar-girl/. Accessed 18 Mar. 2025.
Venditti, Bruno. “The Most Spoken Language in Every U.S. State (Besides English and Spanish).” Visualcapitalist.Com, Visual Capitalist, 31 Oct. 2023, www.visualcapitalist.com/cp/the-most-spoken-language-in-every-u-s-state-besides-english-and-spanish/.
Geri. “The Psychology of Colors in Business Cards.” Clcme.Eu, Click Me Smart Card, 19 Feb. 2025, clcme.eu/the-psychology-of-colors-in-business-cards/.
Lockwood, Amy. “Why Business Cards Are Still Relevant in 2025.” Emailsignaturerescue.Com, Email Signature Rescue, 18 Dec. 2024, www.emailsignaturerescue.com/blog/why-business-cards-are-still-relevant-in-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/
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.
Friday Mar 14, 2025
Friday Mar 14, 2025
The Friday Five for March 14, 2025:
Design Overhaul Coming to Apple OS?
Google, Chrome & uBlock Origin
Content Marketing Gamification
Ritter Roadshows are Back for 2025!
CMS 2025 Marketplace Integrity & Affordability Proposed Rule
Design Overhaul Coming to Apple OS?
Clark, Adam. “Apple Plans Major Software Overhaul, Says Report. Why the iPhone Maker Needs a Change.” Barrons.Com, Barron’s, 11 Mar. 2025, www.barrons.com/articles/apple-price-stock-iphone-ios-update-10249921.
Mehta, Ivan. “Apple’s next Major OS Updates Will Bring the Biggest Design Overhaul in Years.” Techcrunch.Com, TechCrunch, 11 Mar. 2025, techcrunch.com/2025/03/11/apples-next-major-os-updates-will-bring-the-biggest-design-overhaul-in-years/.
Jackson, Fiona. “iPhone 17 Leaks Show Off Groundbreaking Designs.” Techrepublic.Com, TechRepublic, 10 Mar. 2025, www.techrepublic.com/article/apple-iphone-17-leaks/.
Barr, Kyle. “Your iPhone Home Screen Could Look Entirely Different Very Soon.” Gizmodo.Com, Gizmodo, 11 Mar. 2025, gizmodo.com/your-iphone-home-screen-could-look-entirely-different-really-soon-2000574330.
Google, Chrome & uBlock Origin:
Weatherbed, Jess. “Google’s Chrome Extension Cull Hits More uBlock Origin Users.” Theverge.Com, The Verge, 3 Mar. 2025, www.theverge.com/news/622953/google-chrome-extensions-ublock-origin-disabled-manifest-v3.
Maxwell, Thomas. “Google Is Hobbling Popular Ad Blocker uBlock Origin on Chrome.” Gizmodo.Com, Gizmodo, 4 Mar. 2025, gizmodo.com/google-is-hobbling-popular-ad-blocker-ublock-origin-on-chrome-2000570878.
Wallen, Jack. “Once uBlock Origin Stops Working on Chrome, You Have 2 Options.” Zdnet.Com, ZDNET, 4 Mar. 2025, www.zdnet.com/article/once-ublock-origin-stops-working-on-chrome-you-have-2-options/.
Yee, Alaina. “Ublock Origin Is Officially Dead for Chrome, but Ad Blockers Live On.” Pcworld.Com, PCWorld, 25 Feb. 2025, www.pcworld.com/article/2595287/ublock-origin-is-officially-dead-for-chrome-but-ad-blockers-live-on.html.
Content Marketing Gamification:
Sadick, Barbara. “6 Most Expensive Medical Procedures, Ranked.” Health.Usnews.Com, U.S. News & World Report, 3 Mar. 2025, health.usnews.com/health-care/patient-advice/articles/most-expensive-medical-procedures-ranked.
Ritter Roadshows are Back for 2025:
Learn More About the 2025 Season of Ritter Roadshows: https://ritterim.com/roadshows/
CMS 2025 Marketplace Integrity & Affordability Proposed Rule:
“2025 Marketplace Integrity and Affordability Proposed Rule.” CMS.Gov, Centers for Medicare & Medicaid Services, 10 Mar. 2025, www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-proposed-rule.
“CMS Takes Aim to Reduce Improper Enrollments and Promote More Affordable Health Insurance Marketplaces for Millions of Consumers.” CMS.Gov, Centers for Medicare & Medicaid Services, 10 Mar. 2025, www.cms.gov/newsroom/press-releases/cms-takes-aim-reduce-improper-enrollments-and-promote-more-affordable-health-insurance-marketplaces.
“Enhanced Premium Tax Credits for ACA Health Plans: Who They Help, and Who Gets Hurt If They’re Not Extended.” Commonwealthfund.Org, Commonwealth Fund, 18 Feb. 2025, www.commonwealthfund.org/publications/explainer/2025/feb/enhanced-premium-tax-credits-aca-health-plans.
“Patient Protection and Affordable Care Act; Marketplace Integrity and Affordability .” Cms.Gov, Centers for Medicare & Medicaid Services, 10 Mar. 2025, www.cms.gov/files/document/MarketplacePIRule2025.pdf.
Resources:
Clarification on HHS Proposed Rule Comment Periods: https://lnk.to/asgf20250307
CMS Finalizes Improvements to Marketplace Plan Selection with 2026 Final Rule: https://lnk.to/asg652
Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651
On the Road with Damon Logan: https://lnk.to/FCJ7Mg
On the Road with Jason Meyers: https://lnk.to/j6QzBq
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/
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.
Friday Feb 28, 2025
Friday Feb 28, 2025
The Friday Five for February 28, 2025:
Budget Reconciliation & Healthcare
More iPhone Silent Alarm Issues
Adobe Launches Photoshop Mobile
Streaming Picks for March 2025
SNP Summit Registration is Live
Register for the Ritter Insurance Marketing SNP Summit!
Budget Reconciliation & Healthcare:
Tong, Noah. “House Budget Plan Advances, Paving Way for Major Medicaid Cuts.” Fiercehealthcare.Com, Fierce Healthcare, 26 Feb. 2025, www.fiercehealthcare.com/payers/house-budget-plan-advances-paving-way-major-medicaid-cuts.
“Overview of Potential Medicaid Changes in 2025 Budget Reconciliation Bill.” Gih.Org, Grantmakers In Health, 25 Feb. 2025, www.gih.org/publication/issue-focus-overview-of-potential-medicaid-changes-in-2025-budget-reconciliation-bill/.
Sanger-katz, Margot, and Alicia Parlapiano. “The House Wants to Pass Trump’s Agenda in One Big Bill. Here’s What’s in It.” Nytimes.Com, The New York Times, 25 Feb. 2025, www.nytimes.com/interactive/2025/02/21/upshot/house-gop-budget-blueprint.html.
Wendling, Mike. “US House Narrowly Passes Trump-Backed Spending Bill.” Bbc.Com, BBC News, 26 Feb. 2025, www.bbc.com/news/articles/cp9yx7e13ryo.
More iPhone Silent Alarm Issues:
Shakir, Umar. “Apple’s Weird iPhone Alarm Problems Are Still Happening.” Theverge.Com, The Verge, 10 Jan. 2025, www.theverge.com/2025/1/9/24340238/apple-iphone-alarm-broken-timing-failed.
Neely, Amber. “If Your iPhone Alarms Aren’t Going off, You’re Not Alone.” AppleInsider.Com, AppleInsider, 23 Jan. 2025, appleinsider.com/articles/25/01/23/if-your-iphone-alarms-arent-going-off-youre-not-alone.
Bologna, Caroline. “Some iPhone Users Are Reporting A Major Issue With Their Alarm. Here’s What’s Happening.” HuffPost.Com, HuffPost, 24 Feb. 2025, www.huffpost.com/entry/iphone-alarm-silent-issue_l_67bc894be4b05645f4fee06e.
Streaming Picks for March 2025:
Koc, Demet. “Coming to Streaming in March 2025.” Nexuspointnews.Com, Nexus Point News, 25 Feb. 2025, www.nexuspointnews.com/post/coming-to-streaming-in-march-2025.
Adobe Launches Photoshop Mobile:
Weatherbed, Jess. “Adobe’s New Photoshop App for iPhone Is More like the Real Thing.” Theverge.Com, The Verge, 25 Feb. 2025, www.theverge.com/news/618859/adobe-photoshop-mobile-iphone-android-app-availability.
“Adobe Photoshop Brings World’s Leading Image and Design App to Mobile to Empower Next Generation of Creators.” News.Adobe.Com, Adobe, 25 Feb. 2025, news.adobe.com/news/2025/02/photoshop-mobile-web.
Wilson, Mark. “At Last, Adobe Photoshop Comes to the iPhone (and It Just Might Be Great).” Fastcompany.Com, Fast Company, 25 Feb. 2025, www.fastcompany.com/91283790/at-last-adobe-photoshop-comes-to-the-iphone-and-it-just-might-be-great.
SNP Summit Registration & Other Events for Agents:
Integrity Webinars: https://learningcenter.tawebhost.com/MedicareCENTER-Webinar-Schedule.pdf
Ritter Insurance Marketing Events: https://ritterim.com/events/
Registration for Ritter SNP Summit: https://summits.ritterim.com/
Resources:
4 Myths About Dual Eligible Special Needs Plans (D-SNP) Sales: https://lnk.to/asg650
Apps for Cyber Security: https://lnk.to/asga80
Guidelines for Sharing Personal Beneficiary Data with Other TPMOs: https://lnk.to/asg647
The Beginner's Guide to D-SNPs: https://lnk.to/asg648
The Postseason Game Plan for Agents: https://lnk.to/asgf20250214
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/
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.
Friday Feb 21, 2025
Friday Feb 21, 2025
The Friday Five for February 21, 2025:
Golden Birthday Cake Oreos Return
Amazon Kindle Update
RFK Jr. Confirmed as HHS Secretary
ACA Navigator Program Funding Cut
Nursing Home Demand Projections
Golden Birthday Cake Oreos Return:
Fink, Bailey. “Oreo Is Releasing 2 New Flavors—and Making One Permanent.” Allrecipes.Com, Allrecipes, 18 Feb. 2025, www.allrecipes.com/oreo-new-cookies-february-2025-11680020.
Bivins, Kenn. “Oreo Just Brought Back a ‘GOAT’ Flavor That Has Fans ‘Beyond Excited.’” Parade.Com, Parade, 19 Feb. 2025, parade.com/food/oreo-golden-birthday-cake-returns-2025.
Robledo, Anthony. “Oreo Reveals New Flavors: Double Chocolate Cakesters and Golden Birthday Cake.” USA Today, Gannett Satellite Information Network, 19 Feb. 2025, www.usatoday.com/story/money/food/2025/02/18/oreo-new-flavors/79126601007/.
Amazon Kindle Update:
Liszewski, Andrew. “Amazon’s Killing a Feature That Let You Download and Backup Kindle Books.” Theverge.Com, The Verge, 14 Feb. 2025, www.theverge.com/news/612898/amazon-removing-kindle-book-download-transfer-usb.
“Download Your Kindle Books ASAP - before Amazon Kills This Feature next Week.” Zdnet.Com, ZDNET, 18 Feb. 2025, www.zdnet.com/article/download-your-kindle-books-asap-before-amazon-kills-this-feature-next-week/.
Younker, Scott. “Hurry! Download Your Kindle eBooks before Amazon Won’t Let You Anymore.” Tomsguide.Com, Tom’s Guide, 19 Feb. 2025, www.tomsguide.com/tablets/e-readers/hurry-download-your-kindle-ebooks-before-amazon-wont-let-you-anymore.
Heinzman, Andrew. “Kindle Is Making It Harder to Switch to Rival eReader Brands.” Howtogeek.Com, How-To Geek, 14 Feb. 2025, www.howtogeek.com/kindle-discontinues-download-transfer-via-usb/.
RFK Jr. Confirmed as HHS Secretary:
Simmons-Duffin, Selena. “RFK Jr. Confirmed as Trump’s Health Secretary, over Democrats’ Loud Objections.” Npr.Org, NPR, 13 Feb. 2025, www.npr.org/sections/shots-health-news/2025/02/13/nx-s1-5294591/rfk-jr-trump-health-human-services-hhs-vaccines.
Weber, Lauren, and Rachel Roubein. “RFK Jr. Confirmed, Elevating Anti-Vaccine Activist to Nation’s Top Health Post.” Washingtonpost.Com, Washington Post, 13 Feb. 2025, www.washingtonpost.com/health/2025/02/13/robert-kennedy-hhs-secretary-confirmation-vote/.
Beavins, Emma, and Dave Muoio. “RFK Jr. Sworn in as Head of HHS Following 52-48 Senate Vote.” Fiercehealthcare.Com, Fierce Healthcare, 13 Feb. 2025, www.fiercehealthcare.com/regulatory/senate-confirms-rfk-jr-head-hhs-52-48-vote.
Cueto, Isabella. “Robert F. Kennedy Jr. Confirmed by Senate as U.S. Health Secretary.” Statnews.Com, STAT, 13 Feb. 2025, www.statnews.com/2025/02/13/rfk-jr-confirmed-hhs-secretary-vote-vaccine-critic-to-top-trump-health-official/.
ACA Navigator Program Funding Cut:
Pestaina, Kaye. “A 90% Cut to the ACA Navigator Program.” KFF.Org, KFF, 18 Feb. 2025, www.kff.org/quick-take/a-90-cut-to-the-aca-navigator-program/.
“Biden-Harris Administration Awards $100 Million to Navigators Who Will Help Millions of Americans — Especially in Underserved Communities — Sign Up for Health Coverage.” CMS.Gov, Centers for Medicare and Medicaid Services, 26 Aug. 2024, www.cms.gov/newsroom/press-releases/biden-harris-administration-awards-100-million-navigators-who-will-help-millions-americans.
“CMS Announcement on Federal Navigator Program Funding.” CMS.Gov, Centers for Medicare & Medicaid Services, 14 Feb. 2025, www.cms.gov/newsroom/press-releases/cms-announcement-federal-navigator-program-funding.
Tong, Noah. “CMS Slashes ACA Navigator Program Funding 90% to $10M.” Fiercehealthcare.Com, Fierce Healthcare, 14 Feb. 2025, www.fiercehealthcare.com/payers/cms-slashes-aca-navigator-program-funding-10-million.
Nursing Home Demand Projections:
“CDC WONDER Database.” Wonder.Cdc.Gov, Centers for Disease Control and Prevention, https://wonder.cdc.gov/. Accessed 18 Feb. 2025.
Shuman, Taylor. “How Will America’s ‘Silver Tsunami’ Impact Demand for Nursing Homes?” SeniorLiving.Org, SeniorLiving.org, 23 Jan. 2025, www.seniorliving.org/nursing-homes/nursing-home-demand-projections/.
Berger, Chloe. “The Boomer Housing Crisis Is Pacing to Get Even Worse: ‘We’ve Never Had a Population Pyramid That Looks like This.’” Msn.Com, MSN, 12 Feb. 2025, www.msn.com/en-us/money/realestate/the-boomer-housing-crisis-is-pacing-to-get-even-worse-we-ve-never-had-a-population-pyramid-that-looks-like-this/ar-AA1yUKUG.
“The US Population Is Aging.” Urban.Org, Urban Institute, www.urban.org/policy-centers/cross-center-initiatives/program-retirement-policy/projects/data-warehouse/what-future-holds/us-population-aging. Accessed 18 Feb. 2025.
“State Health Facts: Average Number of Certified Nursing Facility Beds.” KFF.Org, KFF, 5 Dec. 2024, https://www.kff.org/other/state-indicator/average-number-of-certified-nursing-facility-beds/.
“State Health Facts: Total Number of Certified Nursing Facilities.” KFF.Org, KFF, 5 Dec. 2024, https://www.kff.org/other/state-indicator/number-of-nursing-facilities/.
Resources:
5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131
Best eBook & Audiobook Apps: https://lnk.to/WsIGZ5
Guidelines for Sharing Personal Beneficiary Data with Other TPMOs: https://lnk.to/asg647
MedicareCENTER FAQs: https://lnk.to/asg645
PlanEnroll FAQs: https://lnk.to/asg646
The Postseason Game Plan for Agents: https://lnk.to/asgf20250214
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/
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.
Friday Feb 14, 2025
Friday Feb 14, 2025
The Friday Five for February 14, 2024:
Apple iOS 18.3.1 Updates
Trend Alert: Smart Ankle Watch?
Egg Substitutions for Baking & Protein
Healthcare Regulatory Update (of sorts)
The Postseason Game Plan
Download Your FREE Copy of The Postseason Game Plan Now!
Apple iOS 18.3.1 Updates:
Adorno, José. “IOS 18.3.1 Now Available Ahead of Big Ios 18.4 Upgrade.” Bgr.Com, BGR, 10 Feb. 2025, bgr.com/tech/ios-18-3-1-now-available-ahead-of-big-ios-18-4-upgrade/.
Disotto, John-Anthony. “iOS 18.4 Could Be the Biggest iPhone Upgrade Ever – Here’s Why.” TechRadar.Com, TechRadar, 11 Feb. 2025, www.techradar.com/phones/iphone/ios-18-4-could-be-the-biggest-iphone-upgrade-ever-heres-why.
Phelan, David. “Apple iOS 18.4 Release Date: The Major iPhone Update Is On Its Way.” Forbes.Com, Forbes Magazine, 8 Feb. 2025, www.forbes.com/sites/davidphelan/2025/02/08/apple-ios-184-release-date-the-major-free-iphone-update-is-on-its-way/.
Rossignol, Joe. “iOS 18.4 Will Include These New Features for Your iPhone.” MacRumors.Com, MacRumors, 5 Feb. 2025, www.macrumors.com/2025/02/05/ios-18-4-expected-features/.
Trend Alert: Smart Ankle Watch?
Lovejoy, Ben. “The Five Reasons Some People Wear Their Apple Watch on Their Ankle.” 9to5Mac.Com, 9to5Mac, 10 Feb. 2025, 9to5mac.com/2025/02/10/the-five-reasons-some-people-wear-their-apple-watch-on-their-ankle/.
Skwarecki, Beth. “Why (and How) to Wear Your Apple Watch on Your Ankle.” Lifehacker.Com, Lifehacker, 11 Feb. 2025, lifehacker.com/health/why-and-how-to-wear-an-apple-watch-on-your-ankle.
Heater, Brian. “Tiktok Influencers Are Wearing Apple Watches on Their Ankles.” Techcrunch.Com, TechCrunch, 10 Feb. 2025, techcrunch.com/2025/02/10/tiktok-influencers-are-wearing-apple-watches-on-their-ankles/.
Egg Substitutes for Baking & Protein:
David, Lauren. “8 Egg Substitutes for Cooking and Baking.” Aarp.Org, AARP, 10 Feb. 2025, www.aarp.org/home-family/your-home/info-2025/egg-substitutes-cooking-baking.html.
Valente, Lisa. “10 Foods with More Protein Than an Egg.” Eatingwell.Com, EatingWell, 18 Nov. 2024, www.eatingwell.com/article/291485/10-foods-with-more-protein-than-an-egg/.
McDonell, Kayla. “13 Effective Substitutes for Eggs.” Healthline.Com, Healthline Media, 7 Feb. 2024, www.healthline.com/nutrition/egg-substitutes.
Phaneuf, Taryn. “Egg Prices Are Rising Again. Here’s Why They’re So High.” Edited by Laura McMullen, Nerdwallet.Com, NerdWallet, 11 Feb. 2025, www.nerdwallet.com/article/finance/why-are-eggs-so-expensive.
Lannon, KJ. “Egg Prices Got You Scrambling? Here’s 3 Substitutes to Use in Your Cake Mix.” Tastingtable.Com, Tasting Table, 10 Feb. 2025, www.tastingtable.com/1780478/egg-substitutes-boxed-cake-mix/.
Healthcare Regulatory Update (of sorts)
Bell, Allison. “10 House GOP Health Program and Tax Change Ideas.” Thinkadvisor.Com, ThinkAdvisor, 24 Jan. 2025, www.thinkadvisor.com/2025/01/24/10-house-gop-health-program-and-tax-change-ideas/.
Muoio, Dave. “Consumer Financial Protection Bureau Shake-up Leaves Medical Debt Reform in Limbo.” Fiercehealthcare.Com, Fierce Healthcare, 6 Feb. 2025, www.fiercehealthcare.com/regulatory/consumer-financial-protection-bureau-shakeup-leaves-medical-debt-reform-limbo.
Muoio, Dave, et al. “Healthcare Lobbying 2025: Here Are the Top Policy Issues for Hospitals, Payers, Docs and Tech.” Fiercehealthcare.Com, Fierce Healthcare, 12 Feb. 2025, www.fiercehealthcare.com/regulatory/healthcare-lobbying-2025-here-are-top-policy-issues-hospitals-payers-docs-and-tech.
The Postseason Game Plan:
https://postseasongameplan.com/
Resources:
5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131
Best Apps for Sports Fans: https://lnk.to/asga78
Guidelines for Sharing Personal Beneficiary Data with Other TPMOs: https://lnk.to/asg647
MedicareCENTER FAQs: https://lnk.to/asg645
PlanEnroll FAQs: https://lnk.to/asg646
Follow Us on Social!
Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Not affiliated with or endorsed by Medicare or any government agency.
Friday Feb 07, 2025
Friday Feb 07, 2025
The Friday Five for February 7, 2025:
Valentine’s Day Gift Ideas
RFK Jr. HHS Nomination Update
Apple Announces Invites
Tapestry from The IconFactory
2025 Senior Market Symposium
Register for the 2025 Senior Market Symposium!
RFK Jr. HHS Nomination Update:
Halleman, Sydney, et al. “RFK Jr. Clears Key Hurdle on Path to HHS Secretary.” Healthcaredive.Com, Healthcare Dive, 4 Feb. 2025, www.healthcaredive.com/news/rfk-jr-clears-key-hurdle-on-path-to-hhs-secretary/739096/.
Nix, Jessica. “RFK Jr. Clears Senate Committee, Heads to Full Vote to Lead HHS.” Thinkadvisor.Com, ThinkAdvisor, 4 Feb. 2025, www.thinkadvisor.com/2025/02/04/rfk-jr-clears-senate-committee-heads-to-full-vote-to-lead-hhs/.
Diamond, Dan, et al. “RFK Jr. Closes in on HHS Cabinet Post after Senate Panel Vote.” Washingtonpost.Com, Washington Post, 6 Feb. 2025, www.washingtonpost.com/health/2025/02/04/rfk-jr-confirmation-committee-vote-hhs-secretary/.
Korecki, Natasha, et al. “Senate Panel Advances RFK Jr.’s Nomination to Be Health Secretary.” NBCNews.Com, NBC Universal News Group, 4 Feb. 2025, www.nbcnews.com/politics/congress/senate-panel-advances-rfk-jrs-nomination-health-secretary-rcna190438.
Apple Announces Invites:
Apple Invites: https://apps.apple.com/us/app/apple-invites/id6472498645
Peterson, Jake. “Apple’s New ‘Invites’ App Is Coming for Partiful.” Lifehacker.Com, Lifehacker, 4 Feb. 2025, lifehacker.com/tech/apple-new-invites-app.
Christoffel, Ryan. “Here Are Five Apple Invites Features You Might Have Missed.” 9to5mac.Com, 9to5Mac, 5 Feb. 2025, 9to5mac.com/2025/02/05/here-are-five-apple-invites-features-you-might-have-missed/.
“Introducing Apple Invites, a New App That Brings People Together.” Apple.Com, Apple Newsroom, 4 Feb. 2025, www.apple.com/newsroom/2025/02/introducing-apple-invites-a-new-app-that-brings-people-together/.
Tapestry from The IconFactory:
Perez, Sarah. “A Review of Tapestry, an App Powered by the Growing Open Web.” Techcrunch.Com, TechCrunch, 4 Feb. 2025, techcrunch.com/2025/02/04/a-review-of-tapestry-an-app-powered-by-the-growing-open-web/.
Scott, Steven, and Shaun Preece. “Tapestry Combines Social Media, Podcasts & YouTube in One App.” Spotify, Double Tap Podcast, 4 Feb. 2025, open.spotify.com/episode/6klC52wDtTANVIpBO9AH0O.
Tapestry by Iconfactory: https://apps.apple.com/us/app/tapestry-by-iconfactory/id6448078074
Mehta, Ivan. “Team behind Twitterrific Launches a Multi-Feed App Called Tapestry.” Techcrunch.Com, TechCrunch, 4 Feb. 2025, techcrunch.com/2025/02/04/team-behind-twitterrific-launches-a-multi-feed-app-called-tapestry/.
Pierce, David. “The Timeline Apps Are Here, and They’re Awesome.” Theverge.Com, The Verge, 4 Feb. 2025, www.theverge.com/apps/605756/tapestry-reeder-surf-timeline-apps.
Christoffel, Ryan. “Twitterrific Team Launches New ‘Tapestry’ iPhone App for Bluesky, Mastodon, RSS, More.” 9to5mac.Com, 9to5Mac, 4 Feb. 2025, 9to5mac.com/2025/02/04/twitterrific-team-launches-new-iphone-app-tapestry-for-bluesky-mastodon-more/.
2025 Senior Market Symposium:
Register to Attend the 2025 Ritter Insurance Marketing Senior Market Symposium
Resources:
5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131
How to Create a Healthy Balance Between Work and Life: https://lnk.to/asg643
Learning to Delight in the Limelight ft. Linda Ugelow: https://lnk.to/asg644
MedicareCENTER FAQs: https://lnk.to/asg645
PlanEnroll FAQs: https://lnk.to/asg646
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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
Friday Jan 31, 2025
Friday Jan 31, 2025
At a loss for what to post on your business socials? Sarah highlights 5 types of content agents can share on social media – and they’re not all insurance related!
Resources:
5 Marketing Podcasts to Follow: https://lnk.to/asg638
Boost Sales and Productivity with Our Medicare Sales Planner: https://ritterim.com/blog/boost-sales-and-productivity-with-our-medicare-sales-planner
How to Create a Healthy Balance Between Work and Life: https://lnk.to/asg643
Learning to Delight in the Limelight ft. Linda Ugelow: https://lnk.to/asg644
Marketing Trends for 2025: https://lnk.to/asg639
Setting SMART Goals in 2025: https://lnk.to/asgf20250103
Stay Organized with the Busy ACA Agent’s Sales Calendar: https://ritterim.com/blog/stay-organized-with-the-busy-aca-agents-sales-calendar/
References:
Pierre, Yasmin. “Social Media Holiday Calendar 2025.” Brandwatch.Com, Brandwatch, 5 Dec. 2024, www.brandwatch.com/blog/social-media-holiday-calendar/.
“Your Ultimate Social Media Calendar Guide for 2025.” Theblogsocial.Com, The Blog Social, 7 Nov. 2024, www.theblogsocial.com/social-media-calendar-guide-2025/.
Marino, Susie. “The Big List of 500+ Social Media Holidays for Every Month of 2025.” Localiq.Com, Local IQ, 11 Dec. 2024, localiq.com/blog/social-media-holidays/.
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.
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.