Here are the Medicare Out-of-Pocket Expenses That Cost Beneficiaries the Most

 
How much do your Medicare clients spend on their Medicare coverage in a year? Do your clients know what out-of-pocket expenses they can expect with Medicare? In this episode, we explore the costs your clients pay out-of-pocket for Medicare, whether they've got Original Medicare, a Medicare Supplement, a stand-alone Medicare Part D plan, Medicare Advantage, or MAPD. We look beyond premiums, breaking down out-of-pocket exposure into deductibles, coinsurance, copays, prescription drug costs, medical supplies, ancillary expenses, networks, and other deciding factors. It's a must-listen for every insurance agent!
 
Read the text version.
 
Mentioned in this episode:
 
How Much Do Medicare Beneficiaries Spend Out of Pocket on Health Care?
2020 Medicare Part A and Part B Premiums and Deductibles
7 Powerful Practices for Selling Prescription Drug Plans
Are You Offering Multiple LTC Insurance Options?
Defining the True Value of $0 Premium for Medicare Advantage Plans
Durable medical equipment (DME) coverage
Getting Started Selling Medicare Supplements
How to Save Your Clients Money on Prescription Drugs
Is Your Doctor in Your Medicare Plan’s Network? How to Tell
Sense Success with Dental, Vision, and Hearing Plans
Your Formulary: Knowing What’s Covered
 
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July 17, 2020
FAQs About NAHU Medicare Certification
Got questions about NAHU’s Medicare Advantage and Part D certification training? We’ve got answers! In this episode, we talk about the cost of NAHU certification, CE credits, training module topics, and more – you don’t want to miss it!!!  
NEW: NAHU 2021 Medicare Certification Training
NAHU just launched a brand-new Medicare certification training for agents selling Medicare Advantage and Medicare Part D for the 2021 Annual Enrollment Period. Find out the details on this alternative to AHIP Medicare certification, including pros and cons, NAHU vs. AHIP, and more!
 
The latest from Ritter’s Blog:
 
How to Check for Your First Looks
The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period!
2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D
Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate.
Reassuring Clients During Difficult Times
During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?
 
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How to Survive AEP

 
Get ready to make the most of AEP! We just launched our newest resource page - Surviving AEP - on the Agent Survival Guide Blog. If you want to really thrive this Annual Enrollment season, check it out! We talk AEP prep, AHIP, compliance, and more. There's even an opportunity for a portfolio review. Find "Surviving AEP" online at ritterim.com/aep!
 
Hey there! It’s me, Sarah Rueppel, host of the Agent Survival Guide Podcast here to tell you about a really cool resource that we just launched on our website.
It’s called Surviving AEP, and it’s an entire page dedicated to helping you make the most of the Medicare Annual Enrollment Period.
That period only lasts from October 15th through December 7th, (just 54 days!) and there are quite a few things that need to be done before you’re considered “ready-to-sell.”
Surviving AEP lays out what that path looks like and walks you through it, step-by-step.
AEP prep, compliance, AHIP, sales, and even managing stress while you’re trying to do all of those things. Very important, don’t want to be like me and get shingles in the midst of a pandemic.
But enough about me, although I do think this is the coolest feature, when you subscribe to our blog through the Surviving AEP page, you get a free portfolio review as our way of saying thank you.
Check it out here: ritterim.com/aep
And as I’m known to frequently say, we will have that link in our show notes for you. Now go see for yourself!
 
Surviving AEP with Ritter Insurance Marketing
 
Mentioned in this episode:
 
Ritter Insurance Marketing Official Website
Surviving AEP
 
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June 12, 2020 | The Friday Five
The Friday Five for June 12, 2020: The Cost of Treating COVID-19; Coronavirus cases on the rise in Arizona; HHS announces new data reporting protocol for COVID-19; Lemonade files for IPO; and Federal Reserve Announces Interest Rate & Projections
FAQs About AHIP
Have questions about AHIP? We've got answers! In this episode, we answer some frequently asked questions about AHIP certification.
How to Sell Medicare Advantage Plans – FREE Guide
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.
The Best Software for Tracking Your Medicare Commissions
How do you track your Medicare commissions? Want a better solution? Listen to this episode of our ASG Podcast for suggestions on tracking (and troubleshooting!) your hard-earned insurance commissions.
The Survivor’s AEP Checklist
Prepare for AEP with the Agent Survival Guide! The Annual Enrollment Period will be here before we know it! Use our checklist to plan ahead, and you'll be "ready-to-sell" with plenty of time to spare.
 
The latest from Ritter’s Blog:
 
How to Check for Your First Looks
The moment when carrier First Looks become available is a very exciting time for insurance agents! It can put a spring in your step and help you get in the mood for the upcoming Annual Enrollment Period!
2021 Maximum Broker Commissions for Medicare Advantage & Medicare Part D
Ritter has everything you need to know about 2021 maximum broker commissions for Medicare Advantage and Medicare Part D initial enrollments. Note: Insurance providers are NOT REQUIRED to pay the maximum commission rate.
Reassuring Clients During Difficult Times
During times of uncertainty, like the COVID-19 pandemic, it is likely that your clients will look to you for reassurance, and answers. Are you prepared to provide the support they are seeking?
 
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Top 10 Holiday Toys 2019 | The Tuesday Ten

 
Let us help you survive the holidays! We’ve done all the research (we 💖 research) and we’ve compiled our official list of the top ten holiday toys for 2019. You don’t want to miss this one!
 
Mentioned in this episode:
(In alphabetical order)
Baby Shark Fingerlings– Amazon | Target | Walmart
Baby Shark Hand Puppet – Amazon | Walmart
Barbie Dream Plane – Amazon | Target | Walmart
Blume Doll – Amazon | Target | Walmart
Frozen 2 Singing Elsa Doll – Amazon | Target | Walmart
Frozen 2 Anna and Elsa Doll Set – Amazon | Target
Frozen 2 Ultimate Arendelle Castle Play Set – Amazon | Target | Walmart  
Hatching Toothless – Amazon | Target | Walmart
Hot Wheels id Smart Track Kit – Amazon | Target
Hot Wheels Colossal Crash Track Set – Amazon | Target | Walmart
Imaginext Transforming Batmobile – Amazon | Target | Walmart
Juno My Baby Elephant – Amazon | Target | Walmart
Kindi Kids Snack Time Friends – Amazon | Target | Walmart
L.O.L. Amazing Surprise – Amazon | Target | Walmart
L.O.L. Glamper – Amazon | Target | Walmart
L.O.L. Winter Disco Dolls – Amazon | Target | Walmart
L.O.L. Winter Disco Fluffy Pets – Amazon | Target | Walmart
L.O.L. Winter Disco Lils – Amazon | Target | Walmart
Lego Hidden Side Newbury Haunted High School – Amazon | Target | Walmart
Melissa & Doug Slice-and-Bake Wooden Cookie Play Set – Amazon | Target | Walmart
Melissa & Doug Top and Bake Wooden Pizza Counter Play Set – Amazon | Target | Walmart
Melissa & Doug Turtle Ball Pit – Amazon | Walmart
NERF Fortnite AR-L Elite Dart Blaster – Amazon | Target | Walmart
NERF Fortnite Sp-L Elite Dart Blaster – Amazon | Target | Walmart
NERF Fortnite Ap-R & Llama Targets – Amazon
Nintendo Switch (HADSKABAA or HADSKAAAA) – Walmart
Nintendo Switch Lite – Amazon | Target | Walmart
PJ Masks PJ Seeker – Amazon | Target | Walmart
Pictionary Air – Amazon | Target | Walmart
Ryan’s World Treasure Safe – Walmart
Scruff-A-Luv Electronic Mystery Plush – Amazon | Target | Walmart
Treasure X Alien Dissection Kit with Slime, Action Figure, and Treasure  – Amazon | Target | Walmart
Treasure X Kings Gold Treasure Tomb – Amazon | Target | Walmart
How to tell if you’re buying the old Nintendo Switch or the new one
 
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Build Your Brand with Community Involvement | ASG189
Connect with your local community and grow your insurance business at the same time! Use our helpful tips to get started.
How Selling Insurance Helps Give Back | ASG190
In the insurance industry, there are plenty of opportunities to give back. Discover how agents make a difference in their communities every day, and how you can, too!
November 22, 2019 | The Friday Five
The Friday Five for November 22, 2019: The Trump Administration announces health care transparency rules, Slack shares drop, Microsoft Teams' user base rises, beware of "juice-jacking" while traveling, Facebook and Instagram hide like counts, and find out what’s new and coming soon from the Agent Survival Guide team!
 
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2020 Medicare Part A and Part B Premiums and Deductibles
CMS just released their numbers for 2020 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Let’s take a look and see how these numbers might affect... (read more)
5 Major Things to Expect in the Medicare Advantage Market for 2020
Spoiler alert: With the way the market’s looking for 2020, we feel confident saying now’s a FANTASTIC time to be selling Medicare Advantage (MA) plans. Here’s why. The Kaiser Family Foundation (KFF)... (read more)
What Agents Forget to Do When Preparing for Appointments
When you’re thinking of everything you need to do to prepare for appointments this Annual Enrollment Period, be sure to think of things outside your memorized to-do list. Pens? Check. Scopes of... (read more)
 
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4 Reasons Why Ritter Should Be Your FMO Insurance Agency | ASG156

 
Looking for an FMO? Not sure what a field marketing organization like Ritter Insurance Marketing can do for your insurance business? Learn everything you need to know in this can’t-miss episode of the ASG Podcast!
Read the text version.
 
Register with Ritter
 
Mentioned in this episode:
 
2020 Maximum Broker Commissions: Medicare Advantage & Medicare Part D
Learn more about Medicareful
 
Ritter Insurance Marketing Links:
 
Agent Registration
Carrier Pages
Marketing & Incentives
Medicare Quote Engine
Online Contracting
The Ritter Platform
 
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5 Real-Life Medicare Sales Scenarios and How to Handle Them | ASG148
Just because a client's situation is more challenging, doesn't mean you can't help them get the coverage they need and complete the sale. In this episode, we help you prepare for some of the tougher cases you may encounter out in the field.
5 MORE Real-Life Medicare Sales Scenarios and How to Handle Them | ASG149
Ready for 5 more challenging insurance sales scenarios and their solutions? Listen to learn how you can handle these potential dilemmas and still close the sale. 
The Hidden Value of Medicare Supplements During AEP | ASG155
There's more to sell during AEP than just Medicare Advantage. Find out why Med Supps make a great addition to your insurance portfolio, whether it's the Annual Enrollment Period or not.
 
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Agent Survival Kits
4 Perks of Partnering with an FMO
Ready to Join an FMO? 10 Things to Consider
 
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Announcing the 2019 State of the Senior Market

 
What do insurance agents selling Medicare need to know in 2019? What can you expect from Ritter Insurance Marketing in the coming year? Join Ritter’s president, Craig Ritter, for his annual State of the Senior Market webinar. Craig will answer these questions and more, including new product additions and AEP enrollment stats. You won’t want to miss it!
Register today! http://bit.ly/2TfnHEM
The latest from ASG:
Agent Survival KitsEvery ‘Second’ Counts: Why Sell Cancer, Heart Attack and Stroke Insurance?Medicare Supplement Changes Will Introduce Two New Eligibility GroupsWhat You Need to Know About New Medicare Cards
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