Agent Survival Guide | Empowering Insurance Agents to Survive Today and Thrive Tomorrow

Serve your clients and stay CMS compliant. That’s your priority as an insurance agent. Here at Ritter, we’re happy to help! Check out this episode for a refresher on what you can’t say during Medicare sales appointments and why.
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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:
4 Tips for Making a Better Insurance Sales Pitch
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You
Meet Your Ritter Sales Team
PlanEnroll
The Insurance Agent’s Guide to Generating Referrals FREE eBook Download
What Are the ACA Marketplace Alternatives for Health Insurance?What Are the CMS Medicare Gift Rules?
What to Know About SOAs in Medicare Health and Prescription Drug Sales
 
References:
“2024 Medicare Advantage and Part D Final Rule (CMS-4201-F).” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-final-rule-cms-4201-f. Accessed 10 Nov. 2025.
Wrage, Alexandra. “Bribery Is Bad... for Business.” Forbes, Forbes Magazine, 25 Jan. 2017, www.forbes.com/sites/alexandrawrage/2017/01/25/bribery-is-bad-for-business/.
Freed, Meredith, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF, 15 Nov. 2024, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/.
“Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 10 Nov. 2025.
“Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 10 Nov. 2025.
 
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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.

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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Register with Ritter Insurance Marketing
 
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.

Marketing is a vital part of any business. But when it comes to marketing your services as an agent selling Medicare, there are specific rules and regulations. To help you out, we’ve compiled a list of FAQs around compliant Medicare marketing. Press play to get started!
 
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🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
2026 Medicare Advantage & Part D Certification Info
Certification Center – Ritter Insurance Marketing
Do’s and Don’ts of Medicare Compliance
FAQs About the Medicare Call Recording Requirements
Field Notes on Digital Marketing Resources
Field Notes on Traditional Marketing Resources
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You
IntegrityCONNECT – Save time. Sell more.
PlanEnroll - Take Your Business to the Next Level
ShopRitterIM
Social Media Marketing for Insurance Agents FREE eBook Download
 
References:
“Digital and Email Marketing Platform | Constant Contact.” Constant Contact, www.constantcontact.com/. Accessed 10 Nov. 2025.
“Medicare Communications and Marketing Guidelines (MCMG) Date: 02/09/2022.” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/files/document/medicare-communications-marketing-guidelines-2-9-2022.pdf. Accessed 10 Nov. 2025.
“Prohibition of Misuse of Symbols, Emblems, or Names in Reference to Social Security or Medicare.” Social Security Act §1140, www.ssa.gov/OP_Home/ssact/title11/1140.htm. Accessed 10 Nov. 2025.
“Subpart V—Medicare Advantage Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 10 Nov. 2025.
“Subpart V—Part D Communication Requirements.” Federal Register, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 10 Nov. 2025.
 
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Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel 
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

Special delivery… the official ASG Podcast guide to holiday toy shopping in 2025! We’ve done the research, now it’s time to report our findings. Which toy will come out at number one this year? You’ll have to listen to find out!
 
Agent Survival Guide Podcast Toy List 2025:
Bluey and Bingo Supermarket Playset: Amazon | Official Site | Target | Walmart
Cows in Space: Amazon | Official Site | Target | Walmart
DJ Furby: Amazon | Official Site | Target | Walmart
Maggie the Feed & Follow Cow: Amazon | Official Site | Target | Walmart
Gabby's Dollhouse: The Movie MeowMazing Interactive Dollhouse: Amazon | Target | Walmart
Gui Gui Slime Kit: Amazon | Official Site | Target | Walmart
Jurassic Park Primal Hatch Interactive Toy: Amazon | Official Site | Walmart
Lovevery Play Kits: Amazon | Official Site | Target
Monopoly Scrabble: Amazon | Official Site | Walmart
Moose Match Mayhem: Amazon | Official Site | Target | Walmart
Nintendo Switch 2: Amazon | Official Site | Target | Walmart
Rubik's Cube Pulse Cube: Amazon | Official Site | Target | Walmart
Tamagotchi Paradise: Amazon | Official Site
Toniebox 2: Amazon | Official Site | Target | Walmart
UNO Show 'Em No Mercy: Amazon | Official Site | Target | Walmart
 
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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.
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Frustrated by Medicare plans going non-commissionable? We get it, and we've got some actionable tips for insurance agents navigating these changes.
 
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🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Finding the Best Medicare Supplement Plan Letter for Your Client
Get Your Medicare Advantage Sales Contracts Here — Recommendations for 2026
How Much Money Can Agents Make Selling Ancillary Health Insurance?
How to Ask Your Current Clients for Referrals
Medicare Supplements Fill the Gaps in Your Portfolio
Signs It's Time to Expand Your Insurance Portfolio & Make the Move!
Why Plan N Is Becoming a Go-To Medicare Supplement Choice
 
References:
“Agent Broker Compensation.” CMS.Gov, Centers for Medicare & Medicaid, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-marketing-guidelines/agent-broker-compensation. Accessed 11 Nov. 2025.
McGough, Matt, et al. “How Has Healthcare Utilization Changed since the Pandemic?” Peterson-KFF Health System Tracker, 31 Jan. 2023, www.healthsystemtracker.org/chart-collection/how-has-healthcare-utilization-changed-since-the-pandemic/.
Copeland, Lindsey. “More People Are Enrolling in Medicare Advantage at High Cost to Medicare and Taxpayers.” Medicare Rights Center, 31 July 2025, www.medicarerights.org/medicare-watch/2025/07/31/more-people-are-enrolling-in-medicare-advantage-at-hight-cost-to-medicare-and-taxpayers.
MacDonald, Ilene. “Regulatory Roundup: Judge Vacates CMS Regulation to Limit Ma Broker, Agent Pay Caps; Elevance Health Loses Star Ratings Case; and More.” RISE Health, www.risehealth.org/insights-articles/article/regulatory-roundup-judge-vacates-cms-regulation-to-limit-ma-broker-agent-pay-caps-elevance-health-loses-star-ratings-case-and-more/. Accessed 11 Nov. 2025.
“Welcome to Medicare.” Medicare, Centers for Medicare & Medicaid Services, www.medicare.gov/. Accessed 11 Nov. 2025.
 
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Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     
Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

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

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

Learn more about how the Telephone Consumer Protection Act applies to insurance agents. ⚠️ Spoiler Alert: the TCPA also applies to text messages.
 
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🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Federal TCPA Compliance Checklist PDF
Register with Ritter Insurance Marketing
Guidelines for Sharing Personal Beneficiary Data with Other TPMOs
How to Stay Compliant During All Medicare Sales
Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You
Where It All Begins: Obtaining Permission to Contact for Medicare Sales
 
References:
“California Consumer Privacy Act (CCPA).” Oag.ca.Gov, State of California - Department of Justice - Office of the Attorney General, 28 Jan. 2025, oag.ca.gov/privacy/ccpa.
“CAN-SPAM Act: A Compliance Guide for Business.” Ftc.Gov, Federal Trade Commission, 22 July 2025, www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business.
“Federal Trade Commission.” Ftc.Gov, Federal Trade Commission, 3 Apr. 2024, www.ftc.gov/about-ftc.
“Federal Trade Commission Do Not Call Registry.” Donotcall.Gov, Federal Trade Commission, www.donotcall.gov/. Accessed 23 Oct. 2025.
“Medicare Advantage Communication Requirements.” Federalregister.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 28 Aug. 2025.
DeTorres, Dustin. “Navigating Telemarketing Laws: What Insurance Agents Need to Know About Calling Aged Leads.” Badassinsuranceleads.Com, Badass Insurance Leads, 16 Jan. 2025, badassinsuranceleads.com/navigating-telemarketing-laws-what-insurance-agents-need-to-know-about-calling-aged-leads/.
“Telemarketing in NY.” NYSenate.Gov, The New York State Senate, www.nysenate.gov/legislation/laws/GBS/399-Z. Accessed 23 Oct. 2025.
“Telemarketing in PA.” Attorneygeneral.Gov, Pennsylvania Office of Attorney General, www.attorneygeneral.gov/resources/telemarketing-in-pa/. Accessed 23 Oct. 2025.
“Telemarketing Sales Rule.” Ftc.Gov, Federal Trade Commission, 25 Oct. 2024, www.ftc.gov/legal-library/browse/rules/telemarketing-sales-rule.
“Telephone Consumer Protection Act (TCPA).” Fcc.Gov, Federal Communications Commission, www.fcc.gov/sites/default/files/tcpa-rules.pdf. Accessed 23 Oct. 2025.
“UPDATE: 11th Circuit Vacates FCC’s One-to-One TCPA Consent Rule.” Wiley.Law, Wiley Rein LLP, www.wiley.law/alert-UPDATE-11th-Circuit-Vacates-FCCs-One-to-One-TCPA-Consent-Rule. Accessed 23 Oct. 2025.
 Stefen. “What Is TCPA Express Consent?” Dnc.Com, Contact Center Compliance, 16 June 2025, www.dnc.com/blog/what-tcpa-express-consent.
“What Is the TCPA?” Dnc.Com, Contact Center Compliance, www.dnc.com/what-is-tcpa/. Accessed 23 Oct. 2025.
Stines, Robert A., and Jeremy D. Richardson. “What to Know About Florida’s Telephone Solicitation Act.” Sgrlaw.Com, Freeborn & Peters LLP, www.sgrlaw.com/wp-content/uploads/2023/04/What-to-Know-About-Floridas-Telephone-Solicitation-Act-Final.pdf. Accessed 23 Oct. 2025.
 
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Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  
Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for November 21, 2025:
Update on Telehealth Prescription Flexibilities
Google Calendar Tasks Feature
Medigap F, G & J Deductibles for 2026
Medigap K & L Out-of-Pocket Limits for 2026
Medicare Part A & B Premiums & Deductibles + MA, MAPD & Medicare Part D Premium Projections
 
Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Apple iPhone Pocket Sold Out:
Kelly, Samantha. “Apple’s $230 Cloth iPhone Pouch Is Already Sold Out - Here’s What It’s Like.” Bloomberg.Com, Bloomberg, 14 Nov. 2025, www.bloomberg.com/news/articles/2025-11-14/apple-issey-miyake-iphone-pocket-price-colors-review-where-to-buy-sold-out.
Mzizi, Yola. “Confused by the iPhone Pocket? That’s by Design.” Nytimes.Com, New York Times, 14 Nov. 2025, www.nytimes.com/2025/11/14/style/iphone-pocket-apple-issey-miyake.html.
Phelan, David. “iPhone Pocket: Exactly Why The Issey Miyake Collaboration Sold Out Super-Fast.” Forbes.Com, Forbes Magazine, 16 Nov. 2025, https://www.forbes.com/sites/davidphelan/2025/11/16/apple-iphone-pocket-why-the-issey-miyake-collaboration-sold-out-in-hours/.
 
Update on Telehealth Prescription Flexibilities:
Beavins, Emma. “DEA to Publish 4th Extension of Telehealth Prescribing Rule in Wave of Relief for Virtual Care Providers.” Fiercehealthcare.Com, Fierce Healthcare, 13 Nov. 2025, www.fiercehealthcare.com/regulatory/dea-publish-fourth-extension-telehealth-prescribing-rule-wave-relief-telehealth. 
“Pending Fourth Temporary Extension of COVID-19 Telemedicine Flexibilities for Prescription of Controlled Medications .” Reginfo.Gov, Office of Information and Regulatory Affairs, 10 Nov. 2025, www.reginfo.gov/public/do/eoDetails?rrid=1162112.
 
Google Calendar Tasks Feature:
Bonifield, Stevie. “Google Calendar Can Finally Block off Time without Faking a Meeting.” Theverge.Com, The Verge, 17 Nov. 2025, www.theverge.com/news/822492/google-calendar-tasks-busy-time-block.
Bonggolto, Jay. “Google Calendar’s New Task Feature Is the Productivity Upgrade You Actually Need.” Androidcentral.Com, Android Central, 18 Nov. 2025, https://www.androidcentral.com/apps-software/google-calendars-new-task-feature-is-the-productivity-upgrade-you-actually-need.
Washenko, Anna. “Google Calendar Now Lets You Schedule Tasks.” Engadget.Com, Engadget, 17 Nov. 2025, www.engadget.com/apps/google-calendar-now-lets-you-schedule-tasks-231026000.html.
Moore, Mike. “Need to Get Some Work Done? There’s No Need Create a Fake Meeting to Get Some Time to Yourself, Thanks to This New Google Calendar Tool.” TechRadar.Com, TechRadar, 18 Nov. 2025, www.techradar.com/pro/software-services/need-to-get-some-work-done-theres-no-need-create-a-fake-meeting-to-get-some-time-to-yourself-thanks-to-this-new-google-calendar-tool.
 
Medigap F, G & J Deductibles for 2026:
“F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/f-g-j-deductible-announcements. Accessed 18 Nov. 2025.
 
Medigap K & L Out-of-Pocket Limits for 2026:
“K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 18 Nov. 2025.
 
Medicare Part A & B Premiums & Deductibles + MA, MAPD & Medicare Part D Premium Projections:
“2026 MA and Part D Landscape State Fact Sheet.” CMS.Gov, www.cms.gov/files/document/2026-ma-part-d-landscape-state-state-fact-sheet.pdf. Accessed 1 Oct. 2025.
“2026 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles. Accessed 18 Nov. 2025.
“CMS Fast Facts.” Centers for Medicare & Medicaid Services Data, www.data.cms.gov/fact-sheet/cms-fast-facts. Accessed 18 Nov. 2025.
“Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2026.” CMS.Gov, www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2026. Accessed 1 Oct. 2025.
“Social Security Announces 2.8 Percent Benefit Increase for 2026 .” SSA, 24 Oct. 2025, www.blog.ssa.gov/social-security-announces-benefit-increase-for-2026/.
 
Resources:
2026 Medicare Advantage and Medicare Part D Premiums
2026 Medicare Part A & B Premiums & Deductibles
Celebrating 20 Years of Medicare AEPs & Growth: Looking Back at 2005
Prescription Drug Pricing: MFN & GENEROUS
The 2026 COLA Increase & How it Affects Your Clients
 
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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.

Changes are coming to ACA subsidies that you should be working with your clients to prepare for. We’ve got what agents need to know about Affordable Care Act Subsidies and how it affects your clients. 
 
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Register with Ritter Insurance Marketing
 
Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
Boost Your Commissions with a New Hospital Indemnity Sales Strategy
Meet Your Ritter Sales Team
Sense Success with Dental, Vision, and Hearing Plans
The State of the ACA Market in 2025
What the Inflation Reduction Act Means for Your Medicare & ACA Clients
 
References:
Sparks, Grace, Lunna Lopes, et al. “Americans’ Challenges with Health Care Costs.” KFF, 15 Sept. 2025, www.kff.org/health-costs/americans-challenges-with-health-care-costs/.
Kffjaredo. “Congressional District Interactive Map: HOW MUCH WILL ACA Premium Payments Rise If Enhanced Subsidies Expire?” KFF, 9 Aug. 2025, www.kff.org/affordable-care-act/congressional-district-interactive-map-how-much-will-aca-premium-payments-rise-if-enhanced-subsidies-expire/.
Swagel, Phillip L. “Estimated Effects on the Number of Uninsured People in 2034 Resulting From Policies Incorporated Within CBO’s Baseline Projections and H.R. 1, the One Big Beautiful Bill Act.” CBO.Gov, Congressional Budget Office, www.cbo.gov/system/files/2025-06/Wyden-Pallone-Neal_Letter_6-4-25.pdf. Accessed 16 Oct. 2025.
Rakshit, Shameek, et al. “How Does Cost Affect Access to Healthcare?” Peterson-KFF Health System Tracker, 7 Apr. 2025, www.healthsystemtracker.org/chart-collection/cost-affect-access-care/.
“How Does the American Rescue Plan Affect Premiums?” Beyond the Basics, 1 July 2024, www.healthreformbeyondthebasics.org/category/new-laws-policies/how-does-the-american-rescue-plan-impact-premiums/.
Tolbert, Jennifer, et al. “Key Facts about the Uninsured Population.” KFF, 9 Aug. 2025, www.kff.org/uninsured/key-facts-about-the-uninsured-population/.
“Offsetting ACA Enhanced Subsidy Extensions.” Committee for a Responsible Federal Budget, www.crfb.org/blogs/offsetting-aca-enhanced-subsidy-extensions. Accessed 16 Oct. 2025.
Coughlin, Teresa A., et al. “Sources of Payment for Uncompensated Care for the Uninsured.” KFF, 9 Aug. 2025, www.kff.org/affordable-care-act/sources-of-payment-for-uncompensated-care-for-the-uninsured/. Kffjaredo. “Who Might Lose Eligibility for Affordable Care Act Marketplace Subsidies If Enhanced Tax Credits Are Not Extended?” KFF, 9 Aug. 2025, www.kff.org/affordable-care-act/who-might-lose-eligibility-for-affordable-care-act-marketplace-subsidies-if-enhanced-tax-credits-are-not-extended/.
 
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Not affiliated with or endorsed by Medicare or any government agency.

In this episode we explain marketplace exchanges, ACA enrollment, and share educational Ritter resources for selling ACA!
 
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:
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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Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/
 
Not affiliated with or endorsed by Medicare or any government agency.

🚨THIS JUST IN: 2025 Medicare Part A and B premium and deductible numbers are live! Listen for details on the cost of Medicare for your clients in coverage year 2026.
 
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🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
2026 Medicare Advantage and Medicare Part D Premiums
5 MORE Real-Life Medicare Sales Scenarios and How to Handle Them
5 Real-Life Medicare Sales Scenarios & How to Handle Them
5 Ways to Survive Enrollment Season 2026
Prescription Drug Pricing: MFN & GENEROUS
Stress Relief Tips to Get You Through AEP
 
References:
“2026 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles. Accessed 17 Nov. 2025.
“CMS Fast Facts.” Centers for Medicare & Medicaid Services Data, www.data.cms.gov/fact-sheet/cms-fast-facts. Accessed 17 Nov. 2025.
“Social Security Announces 2.8 Percent Benefit Increase for 2026 .” SSA, 24 Oct. 2025, www.blog.ssa.gov/social-security-announces-benefit-increase-for-2026/.
 
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Not affiliated with or endorsed by Medicare or any government agency.

Nothing stays the same. Your clients’ health needs, financial situations, and the Medicare industry itself can change each year. Learn how to best help your clients switch coverage with these 7 scenarios. 
 
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:
4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency
5 Tips to Make the Most of AEP
How to Check Medicare Extra Help Eligibility for Your Client
Register with Ritter Insurance Marketing
The Benefits of Selling D-SNPs
The Ritter Blog
What to Know When Replacing Existing Med Supp Plans for Clients
 
References:
Emerson, Jakob. “32 Health Systems Dropping Medicare Advantage Plans | 2024 - Becker’s Hospital Review | Healthcare News & Analysis.” Beckershospitalreview.Com, Becker’s Hospital Review, www.beckershospitalreview.com/finance/15-health-systems-dropping-medicare-advantage-plans-2024/. Accessed 29 Oct. 2025.
“2024 Medicare Advantage and Part D Star Ratings.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-star-ratings. Accessed 29 Oct. 2025.
Pifer, Rebecca. “Humana and CVS Are Downsizing Their Medicare Advantage Plans for 2025. Which Insurers Could Benefit?” Healthcaredive.Com, Healthcare Dive, 10 June 2024, www.healthcaredive.com/news/humana-cvs-medicare-advantage-benefit-plan-cuts-2025-unitedhealth/716764/.
 
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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.

Congrats on making it this far into AEP! Take time to access what is and isn’t working for your business and hear our tips for improvement!
 
Read the text version
 
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Resources:
4 Tips for Making a Better Insurance Sales Pitch
5 Tips for Selling Medicare Advantage Plans
8 Powerful Practices for Selling Prescriptions Drug Plans
Events & Webinars with Ritter Insurance Marketing
FREE eBooks & Guides for Agents
Get a FREE Portfolio Review
Get Your Medicare Advantage Sales Contracts Here – Recommendations for 2026
How Ask Integrity Can Streamline Your Medicare Sales Appointments
How Client Retention Boosts Insurance Sales
How to Follow up with Medicare Clients Compliantly
How to Survive AEP: Wellness Tips for Insurance Agents
IntegrityCONNECT
IntegrityCONNECT Leads
Knight School Training for Agents
Learn More About PlanEnroll
Organization Tips & Tricks for the Medicare Annual Enrollment Period
PlanEnroll Lead Program Training Registration
Stress Relief Tips to Get You Through AEP
When Do Med Supp Plans K, L, M, & N Make Sense?
Why Being a Likable Agent Is Good for Your Business 
References:
Diamond, Dan. “10,000 People Are Now Enrolling in Medicare - Every Day.” Forbes, Forbes Magazine, 11 June 2024, www.forbes.com/sites/dandiamond/2015/07/13/aging-in-america-10000-people-enroll-in-medicare-every-day/#1ebb581f3657.
 
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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.

The Friday Five for November 14, 2025:
iPhone Pocket Brings Back… Pockets.
CMS Rural Health Transformation Program
Government Shutdown Update
Most-Favored Nation Drug Pricing
CMS GENEROUS Model
 
Get Connected:
🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!
📧Connect with the Ritter Insurance Marketing Sales Team Near You!
💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
 
Phone Pocket Brings Back… Pockets.
Articles of Interest – More Pockets
Hart, Jordan. “Apple and Issey Miyake Design $230 Iphone Pocket Inspired by a ‘Piece of Cloth.’” Business Insider, Business Insider, www.businessinsider.com/apple-issey-miyake-design-iphone-pocket-2025-11. Accessed 12 Nov. 2025.
“Crossbody Strap – Sienna.” Apple, www.apple.com/shop/product/mggn4ll/a/crossbody-strap-sienna. Accessed 12 Nov. 2025.
Cross, Greta. “Internet Conflicted over Apple’s $230 Iphone Pocket Case. See New Product.” USA Today, Gannett Satellite Information Network, www.usatoday.com/story/tech/2025/11/11/iphone-pocket-apple-phone-case/87214270007/. Accessed 12 Nov. 2025.
“Introducing Iphone Pocket: A Beautiful Way to Wear and Carry iPhone.” Apple Newsroom, 12 Nov. 2025, www.apple.com/newsroom/2025/11/introducing-iphone-pocket-a-beautiful-way-to-wear-and-carry-iphone/.
Jewiss, Connor. “The Iphone Pocket Is the Apple Accessory You Never Saw Coming.” CNET, www.cnet.com/tech/mobile/the-iphone-pocket-is-the-apple-accessory-you-never-saw-coming/. Accessed 12 Nov. 2025.
Rural Health Transformation Program:
“All 50 States Seek to Transform Rural Health with CMS.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/press-releases/all-50-states-seek-transform-rural-health-cms. Accessed 12 Nov. 2025.
Muoio, Dave. “All 50 States Submit Applications for $50B Rural Health Transformation Program.” Fierce Healthcare, www.fiercehealthcare.com/providers/cms-opens-state-applications-50b-rural-health-transformation-program. Accessed 12 Nov. 2025.
 
Government Shutdown Update:
Swenson, Ali. “An Emerging Shutdown Deal Doesn’t Extend Expiring Health Subsidies. Here’s What Could Happen to Them.” AP News, AP News, 10 Nov. 2025, www.apnews.com/article/shutdown-health-tax-credits-affordable-care-act-2b5ae3651ff16783a00e00dc1ce264bf.
“Division A - Continuing Appropriations Act, 2026.” United States Senate Committee on Appropriations, www.appropriations.senate.gov/imo/media/doc/continuing_appropriations_act_2026_bill_text.pdf. Accessed 12 Nov. 2025.
“Division B - Agriculture, Rural Development, Food and Drug Administration, and Related Agency Appropriations Act, 2026.” United States Senate Committee on Appropriations, www.appropriations.senate.gov/imo/media/doc/agfy26conf.pdf. Accessed 12 Nov. 2025.
“Division C - Legislative Branch Appropriations Act, 2026.” United States Senate Committee on Appropriations, www.appropriations.senate.gov/imo/media/doc/lbfy26aconf.pdf. Accessed 12 Nov. 2025.
“Division D - Military Construction, Veterans Affairs, and Related Agencies Appropriations Act, 2026.” United States Senate Committee on Appropriations, www.appropriations.senate.gov/imo/media/doc/mcvafy26conf.pdf. Accessed 12 Nov. 2025.
“Federal Shutdown Deal Would Wipe out Hard-Won THC Consumables Market in Texas.” Dallas News, The Dallas Morning News, 12 Nov. 2025, www.dallasnews.com/news/politics/2025/11/11/federal-shutdown-deal-would-wipe-out-hard-won-thc-consumables-market-in-texas/.
Caballero, Martín. “Senate Advances Hemp Ban amid Growing Prohibition Fears.” Brewbound, 11 Nov. 2025, www.brewbound.com/news/senate-advances-hemp-ban-amid-growing-prohibition-fears/.
Gringlas, Sam. “Senate Approves Shutdown Ending Legislation, Sending Bill to the House for a Vote.” NPR, NPR, 11 Nov. 2025, www.npr.org/2025/11/10/g-s1-97245/senate-shutdown-vote.
Yarrow, Grace. “Senators Reject Paul’s Hemp Plans.” Politico, www.politico.com/live-updates/2025/11/10/congress/senators-reject-pauls-hemp-plans-00646064. Accessed 12 Nov. 2025.
“Speaker Johnson Won’t Guarantee Vote in House on ACA Subsidies.” ABC7 Los Angeles, 12 Nov. 2025, www.abc7.com/live-updates/government-shutdown-updates-house-speaker-mike-johnson-commits-vote-senate-funding-deal/18139514/entry/18140103/.
Usigan, Ysolt. “THC Ban Hidden in Government Spending Bill Could Shut down Delta-8 Market, so Stock up Now.” VICE, 12 Nov. 2025, www.vice.com/en/article/federal-thc-ban-on-hemp-products/.
Lalljee, Jason. “The Bill to Reopen the Government Would Shut down These THC Products.” AXIOS, www.axios.com/2025/11/12/government-shutdown-bill-thc-hemp-products. Accessed 13 Nov. 2025.
Tsirkin, Julie, and Frank Thorp V. “The Government Shutdown May Last Longer Because of a Fight over Hemp.” NBCNews.Com, NBCUniversal News Group, 10 Nov. 2025, www.nbcnews.com/politics/congress/government-shutdown-may-last-longer-fight-hemp-rcna243075.
Faguy, Ana. “Trump Signs Spending Bill to End Longest Shutdown in US History.” BBC News, BBC, 13 Nov. 2025, www.bbc.com/news/articles/c891nvwvg2zo.
Stech, Katy, et al. “Trump Signs Funding Bill to End Longest US Government Shutdown.” The Guardian, Guardian News and Media, 13 Nov. 2025, www.theguardian.com/us-news/2025/nov/12/house-bill-government-shutdown-vote.
Desjardins, Lisa. “What’s in the Senate Shutdown Deal.” PBS, Public Broadcasting Service, 11 Nov. 2025, www.pbs.org/newshour/politics/whats-in-the-senate-shutdown-deal.
 
Most-Favored Nation Drug Pricing:
Krishnan, Manisha. “A Proposed Federal THC Ban Would ‘wipe out’ Hemp Products That Get People High.” Wired, 12 Nov. 2025, www.wired.com/story/proposed-federal-thc-ban-would-wipe-out-hemp-products-that-get-people-high/.
“AstraZeneca Announces Historic Agreement with US Government to Lower the Cost of Medicines for American Patients.” AstraZeneca, www.astrazeneca.com/media-centre/press-releases/2025/astrazeneca-announces-historic-agreement-with-us-government-to-lower-the-cost-of-medicines-for-american-patients.html. Accessed 13 Nov. 2025.
Sagonowsky, Eric. “AstraZeneca CEO Visits White House to Formalize MFN Agreement with Trump.” Fierce Pharma, www.fiercepharma.com/pharma/art-deal-az-visit-white-house-formalize-mfn-agreement-trump-msnbc-reports. Accessed 13 Nov. 2025.
“Agent of Record.” Insuranceopedia, 14 Jan. 2025, www.insuranceopedia.com/definition/674/agent-of-record.
“Delivering Most-Favored-Nation Prescription Drug Pricing to American Patients.” The White House, The United States Government, 12 May 2025, www.whitehouse.gov/presidential-actions/2025/05/delivering-most-favored-nation-prescription-drug-pricing-to-american-patients/.
Democrats Defect on the Shutdown - The New York Times, www.nytimes.com/2025/11/10/briefing/democrats-defect-on-the-shutdown.html. Accessed 13 Nov. 2025.
“Fact Sheet: President Donald J. Trump Announces Actions to Lower Costs and Expand Access to in Vitro Fertilization (IVF) and High-Quality Fertility Care.” The White House, The United States Government, 16 Oct. 2025, www.whitehouse.gov/fact-sheets/2025/10/fact-sheet-president-donald-j-trump-announces-actions-to-lower-costs-and-expand-access-to-in-vitro-fertilization-ivf-and-high-quality-fertility-care/.
“Pfizer Reaches Landmark Agreement with U.S. Government to Lower Drug Costs for American Patients.” Pfizer, www.pfizer.com/news/press-release/press-release-detail/pfizer-reaches-landmark-agreement-us-government-lower-drug?cid=em_PfizerNewsroomAlert&ttype=em. Accessed 13 Nov. 2025.
Stiles, Matt. “How Each House Member Voted on Ending the Government Shutdown | CNN Politics.” CNN, Cable News Network, 13 Nov. 2025, www.cnn.com/2025/11/12/politics/house-vote-government-shutdown-vis.
“Lilly and U.S. Government Agree to Expand Access to Obesity Medicines to Millions of Americans.” Lilly Investors, Eli Lilly and Company, 6 Nov. 2025, www.investor.lilly.com/news-releases/news-release-details/lilly-and-us-government-agree-expand-access-obesity-medicines.
“Novo Nordisk Announces Agreement with the U.S. Administration to Bring GLP-1s to More Americans at a Lower Cost.” Novo Nordisk, www.novonordisk.com/content/nncorp/global/en/news-and-media/news-and-ir-materials/news-details.html?id=916450. Accessed 13 Nov. 2025.
Kim Constantino, Annika. “Trump Announces Deals with Eli Lilly, Novo Nordisk to Slash Weight Loss Drug Prices, Offer Some Medicare Coverage.” CNBC, CNBC, 6 Nov. 2025, www.cnbc.com/2025/11/06/trump-eli-lilly-novo-nordisk-deal-obesity-drug-prices.html.
Kansteiner, Fraiser, and Eric Sagonowsky. “Updated: Pfizer Offers Price Concessions, $70b US Outlay in Trump’s ‘Most Favored Nation’ Push.” Fierce Pharma, www.fiercepharma.com/pharma/pfizer-plans-offer-price-concessions-trumps-most-favored-nation-push-reports. Accessed 13 Nov. 2025.
 
CMS Generating Cost Reductions for U.S. Medicaid (GENEROUS) Model:
“CMS Announces New Drug Payment Model to Strengthen Medicaid and Better Serve Vulnerable Americans.” CMS.Gov, Centers for Medicare & Medicaid Services, 6 Nov. 2025, www.cms.gov/newsroom/press-releases/cms-announces-new-drug-payment-model-strengthen-medicaid-better-serve-vulnerable-americans.
“Fact Sheet: President Donald J. Trump Announces Second Deal to Bring Most-Favored-Nation Pricing to American Patients.” Whitehouse.Gov, The United States Government, 10 Oct. 2025, www.whitehouse.gov/fact-sheets/2025/10/fact-sheet-president-donald-j-trump-announces-second-deal-to-bring-most-favored-nation-pricing-to-american-patients/.
“GENEROUS (GENErating Cost Reductions fOr U.S. Medicaid) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, 7 Nov. 2025, www.cms.gov/priorities/innovation/innovation-models/generous.
“Generous Model Request for Applications from Applicable Manufacturers.” Cms.Gov, Centers for Medicare & Medicaid Services, 10 Nov. 2025, www.cms.gov/files/document/generous-rfa.pdf.
“Lilly and U.S. Government Agree to Expand Access to Obesity Medicines to Millions of Americans.” Investor.Lilly.Com, Eli Lilly and Company, 6 Nov. 2025, investor.lilly.com/news-releases/news-release-details/lilly-and-us-government-agree-expand-access-obesity-medicines.
“Novo Nordisk Announces Agreement with the U.S. Administration to Bring GLP-1s to More Americans at a Lower Cost.” Novonordisk.Com, Novo Nordisk, 6 Nov. 2025, www.novonordisk.com/content/nncorp/global/en/news-and-media/news-and-ir-materials/news-details.html?id=916450.
Dunleavy, Kevin. “Pharma Eli Lilly, Novo Nordisk Strike Deals with White House to Cut Prices of Weight Loss Drugs.” Fiercepharma.Com, Fierce Pharma, 6 Nov. 2025, www.fiercepharma.com/pharma/eli-lilly-novo-nordisk-strike-deal-white-house-cut-price-weight-loss-drugs.
 
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Not affiliated with or endorsed by Medicare or any government agency.
 
Episode Transcript:
You are listening to the Friday Five here on the Agent Survival Guide Podcast. I’m your host, Sarah Rueppel and this is our weekly recap of five headlines that you should know about. Today is November 14th.
We’ll start out this week where we normally do at Number Five.
Last week, the internet absolutely lost its mind over the Starbucks Bearista Bear mug, which was available in very limited quantities. Naturally that led to disappointments, fights between customers, and a whole bunch of hilarious social media posts mocking the whole thing.
And then this week, Apple announced an accessory that made more than a few people scratch their heads. Because really no one asked for it, but the iPhone Pocket is a thing you can order for either one-hundred fifty dollars or two-hundred thirty dollars.
Unlike the iPhone cross-body strap, which to be honest, is actually useful, the iPhone Pocket is literally just that. It’s a sock-like sling for your iPhone that the company claims can also be used to hold AirPods and other small items that you’d likely stick in your pocket.
Personally, I don’t see that turning out too well, but maybe my mind would change if I saw one in person.
The company also showed the short pocket version looped around a bag handle, similar to a clip-on lip gloss or hand sanitizer.
The pockets are described as a quote, “3D-knitted construction” and come from iconic design house Issey Miyake. Same designer as the Bao Bao bags, those duochrome handbags made of little triangles.
I do have to say, I get the fact that this will be instantly recognizable for those carrying it or attaching it to their bag.
And bag charms are super trendy right now. But as far as functional? Eh, I’m just not sold. It’s not like the phone is out and accessible, it’s in a little pouch, or I guess I should call it what it is, a little pocket, seemingly worn just as much for show as it is for function.
It reminds me of the vintage tie-on pockets that women used to hide in their dresses back in the day, which I learned about in an episode of Articles of Interest that we’ll be linking to in the episode notes. Because the history of pockets is actually fascinating, believe it or not.
The iPhone Pocket is available for purchase beginning today at a very small list of 10 stores or online at Apple dot com.
Number Four, super short mention here, but if you’ve got a rural health area in your market, this is important news.
This Wednesday was the deadline for states to submit their applications to the Rural Health Transformation Program, and all 50 states filed bids.
The program is set to distribute ten billion dollars between 2026 and 2030. Five billion dollars will be dispersed evenly between approved states. The other five billion will be awarded according to how each of those approved states meets the goals outlined in their bid pitches.
Approvals will be announced by December 31st of this year. 
Coming in at Number Three, we’ve got an update on the government shutdown.
On Sunday night, the Senate held a vote to reopen the government and got there with a 60-40 split.
And then late Wednesday night, the House voted 222 to 209 to approve the Senate version of the funding bill and reopen the federal government.
President Trump signed the deal into law not long after the House vote.
The deal to reopen the government comes with four separate appropriations acts that we’ll be linking to in the episode notes.
There’s the general Continuing Appropriations Act of 2026, and then the more specific Agriculture, Rural Development, and FDA Appropriations Act, the Military Construction, Veterans Affairs, and Related Agencies Appropriations Act, and the Legislative Branch Appropriations Act, all for 2026.
The Continuing Appropriations Act of 2026 included funding for most government agencies, with time frames running from the end of January 2026 up to three years, depending on the agency.
SNAP benefits would be fully funded through September 30, 2026.
For states that paid out any federal expense benefits during the shutdown, they would be reimbursed for those monies, including if they paid out SNAP benefits to their constituents.
One thing missing from all four of those legislative documents? Any update on ACA subsidies, so those are still set to expire at the end of December.
A lot of different ideas have been floated around about how to deal with those expiring subsidies, from the proposal I mentioned in last week’s episode, to many others, including one that would circumnavigate the government and send the money straight to those purchasing plans on the marketplace. 
And then a last-minute inclusion that I’ve been reading quite a bit about, reversing the Farm Bill provision of 2018 that loosened federal restrictions on hemp.
In the new Federal funding bill, hemp products cannot contain more than point three percent total THC or more than point four milligrams combined total per container of THC. And this ban covers both naturally and synthetically derived THC.
THC products that are considered “intoxicating” like delta-8 and delta-9 variants seem to be the target here. And then there’s the fact that the industry is unregulated, meaning that variants available from non-reputable sources get lumped in with those who are following the rules and being transparent about sourcing and dosage.
The new ban on hemp products goes into effect one year from signing on November 13th, 2026.
As far as the ACA subsidies, that’s likely to come down to a separate proposal, requiring its own vote in both houses of Congress. 
So for now, the longest government shutdown in U.S. history ends
We’ll be keeping an eye on this story as it continues to unfold.
As far as the ACA subsidies, that’s likely to come down to a separate proposal, requiring its own vote in both houses of Congress. 
We’ll be keeping an eye on this story as it continues to unfold.
Number Two.
Last week, Eli Lilly and Novo Nordisk joined the list of other American pharmaceutical companies who have joined the Trump Administration’s “Most Favored Nation” drug pricing campaign.
We haven’t talked much about this on the podcast as of yet, so consider this a recap.
At the end of September, Pfizer was the first company to agree to the administration’s call to adjust pricing on existing drugs to that of comparable developed countries, and for pricing on new drugs to also be set at a similar price points as other developed markets.
According to Pfizer’s press release, they plan to offer quote, “the large majority of the company’s primary care treatments and some select specialty brands will be offered at savings that will range as high as eighty-five percent and on average, fifty percent,” end quote.
In order to obtain the savings, consumers will have to use the new direct-to-consumer drug platform, TrumpRx dot gov, which is rumored to launch in 2026.
Later in October 2025, AstraZeneca shored up their deal with the Trump administration. They plan to offer direct-to-consumer sales savings for quote, “eligible patients with prescriptions for chronic diseases at a discount of up to 80% off list prices,” end quote. They committed to participation in Trump Rx dot gov as well, to quote, “allow patients to purchase medicines at a reduced cash price from AstraZeneca,” end quote.
In mid-October, EDM Serono, the US subsidiary of Merck announced that they would offer their IVF treatments through the TrumpRx dot gov direct to consumer platform. EDM Serono named three of their IVF treatments that eligible patients with prescriptions could take advantage of quote, “significantly reduced prices,” end quote. And to get super specific, for patients with prescriptions to all three therapies, quote, “patients will access an 84% discount off list prices,” end quote.
Also answering the call from the Trump administration’s Most Favored Nation drug pricing campaign, Eli Lilly and Novo Nordisk both made announcements about their respective deals last week.
But to keep things spicy, their deals fall under both the broader umbrella of the Most Favored Nation drug pricing campaign and one of its implementation methods – the Generous model, which we’ll get to in a moment.
Eli Lilly announced that, upon FDA approval, they hoped to offer Zepbound and its soon to be released Orforglipron, a GLP-1 in pill form through LillyDirect, their own DTC drug platform. Lilly quoted quite a few prices in their release for self-pay patients. The Zepbound multi-dose pen in the lowest dose will start at two hundred ninety-nine dollars, and additional doses will cost up to four-hundred forty-nine dollars. Multi-dose pen prescriptions will refill at a cost of no more than four-hundred forty-nine dollars. Orforglipron will be priced at one-hundred forty-nine dollars for the lowest dose. Additional doses will run un to three-hundred ninety-nine dollars.
Also coming to LillyDirect as part of the MFN campaign, Emgality, Trulicity, and Mounjaro will also be available for self-pay patients at fifty to sixty percent off current list prices.
Self-pay patients is the operative word there. Self-paying for prescriptions while holding insurance unfortunately doesn’t contribute to your deductible. Depending on the person, that may or may not be a good deal.
Also included in the Lilly release, a reminder that insulin will remain available at the thirty-five dollar per month price point regardless of whether a consumer has insurance or not.
Novo Nordisk agreed to cut prices on their semaglutide medicines, Wegovy and Ozempic on their own DTC – NovoCare. Unlike Eli Lilly, they did not reveal pricing details in their official release. 
All five pharmaceutical companies announced participating price reductions in their drugs via their own DTC platforms as well as TrumpRx dot gov, when it launches next year.
I know that we mentioned this previously, but I want to mention it again. These savings that we mentioned may or may not be picked up by insurance companies. All of them mentioned savings associated with self-pay patients, purchase on DTC platforms, or purchase on Trump Rx dot gov. So just something to keep in mind if your clients have questions.
Depending on the diagnoses your client has or doesn’t have to go along with their GLP-1 prescription, that’s going to determine what’s the best course of action for them.
Currently, many insurers will not cover GLP-1s for weight loss unless they have also been diagnosed with obesity or overweight with one condition. The main label use for the medication is for those with Diabetes.
And then the last thing to mention, all five pharmaceutical companies were granted a three-year period of relief from tariffs in exchange for participation in the MFN.
Now, let’s move on to Number One, which is the other half of the Eli Lilly and Novo Nordisk MFN campaign announcement.
Simultaneously, CMS announced a new drug payment model for Medicaid – the Generating Cost Reductions for U.S. Medicaid or Generous Model. And yes, we like to get very creative when we’re coming up with these model names.
This model is how CMS plans to implement the new drug pricing for those on Medicare and Medicaid.
According to CMS, the Generous model will allow the agency to quote, “negotiate with participating manufacturers for lower prices, while states adopting the model will implement uniform, transparent coverage criteria. These consistent standards will give patients and providers predictable access across participating states,” end quote.
Participating states is a key word there as the model is voluntary for both states and drug manufacturers.
According to CMS, drug spending in the Medicaid program is quote, “significant and increasing, with net spending of sixty billion dollars in 2024, an increase of ten billion dollars from 2022,” end quote.
The model aims to keep prescription drugs accessible for those who need them, lowering the price for both patients and the government, with the hopes that medication use will in turn cause better patient outcomes. 
Under the Generous model, Ozempic, Wegovy, Mounjaro, and Zepbound GLP-1 medications by Eli Lilly and Novo Nordisk would be available to a select group of Medicare beneficiaries.
And as mentioned earlier, should Orforglipron, Eli Lilly’s oral GLP-1 follow the projected path to FDA approval, it would also be available.
Now, let’s talk about that select group of Medicare beneficiaries, because there’s a reason for wording it that way.
Savings won’t be available on all GLP-1s for all Medicare beneficiaries, though.
Prior to the Generous model, only those with type 2 diabetes or cardiovascular disease could receive coverage for their GLP-1 medications. When implemented, the Generous model will extend coverage to Medicare beneficiaries with obesity.
Beneficiaries with Part D benefits will be phased into model participation through three stages.
Phase 1 will include overweight individuals with a body mass index or BMI or more than 27, prediabetic indvidiuals, or those diagnosed with cardiovascular disease.
Phase 2 incorporates overweight individuals with a BMI greater than 30, individuals with uncontrolled hypertension, kidney disease, or heart failure.
And then Phase 3 will include overweight individuals with a BMI greater than 35.
CMS will launch the Generous Model in January 2026, letting it run for five years. No word yet on the exact timing of those phases, but I’m sure we’ll be hearing from CMS on that front.
As far as Medicaid beneficiaries go, coverage depends on if their state opts in to the Generous Model. CMS is seeking letters of intent from State Medicaid agencies interested in participating.
And last but not least, let’s talk cost.
For Wegovy and Zepbound, starting doses will begin the model priced at three-hundred fifty dollars per month for those in Medicare or on Medicaid. That cost will decrease over two years, no word yet on how much.
Starter doses of Ozempic and Mounjaro will run two-hundred forty-five dollars per month and also decrease over a period of two years.
And then the last pricing detail we have right now, a Medicare beneficiary who qualifies for coverage under either the expanded criteria or Part D Phase-ins outlines by the Generous Model - they will pay just fifty dollars per month for their GLP-1 medication.
Just a reminder that we are still in very early stages of the MFN campaign, Trump Rx dot gov, and the Generous Model. We’ll likely be circling back to this story to update it in future Friday Five episodes, so be sure to follow along with our show so you don’t miss out on any of that information.
And then be sure to visit the episode notes, too. We’ve got links to all the resources we mentioned today, so you’ll find links to all the press releases from CMS, the pharmaceutical companies we talked about, the proposed legislation to get the government up and running again, and even more info on the iPhone Pocket.
Thanks so much for listening to our show this week, little bit of a long one today! That being said, I hope you have a great weekend.
Stay healthy and stay safe out there, and we will see you next week.