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

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 [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Do’s and Don’ts of Medicare Compliance eBooks & Guides for Insurance Agents How to Organize a Turning 65 Seminar on a Budget How to Stay Compliant During All Medicare Sales Rules for Hosting a Compliant Medicare Sales Event What Not to Say During Medicare Educational and Sales Events References: “Federal Register.” FederalRegister.Gov, www.federalregister.gov/. Accessed 11 Nov. 2025. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 11 Nov. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.`

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

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 [email protected] 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 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-insur

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. Read the text version Register with Ritter Insurance Marketing Contact the Agent Survival Guide Podcast! Email us [email protected] 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/. 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.

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 [email protected] 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. 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.

🚨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. 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 [email protected] 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/. 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.

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 [email protected] 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/. 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.

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 [email protected] 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. 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.

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 [email protected] 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 Ne

Jump in the time machine with us as we travel back circa 2005 for the first Medicare Annual Enrollment Period, the debut of Medicare Advantage, Medicare Part D, two new Med Supp plans, and more! Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency 5 Medicare Myths Your Clients May Believe 10 Tips to Submitting an Error-Free Medicare Enrollment Application 2026 Medicare Part D Bid Info Likely Means Higher Premiums & Plan Disruption — Here's Why A Review of Integrity's Top Medicare Quoting Tools How Insurance Agents Can Use AI Tools How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly IntegrityCONNECT & PlanEnroll FAQs Register with RitterIM.com Risk Adjustment & Finding Value Beyond Coding Changes ft. Dr. Shannon Decker The Future of Medicare Part D: The Push Toward MAPD The Ultimate Agent Resource List Pt. 3: Staying Organized References: “2005 CMS Statistics.” Cms.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/research-statistics-data-and-systems/statistics-trends-and-reports/medicaremedicaidstatsupp/downloads/2005_cms_statisticspdf. Accessed 21 Oct. 2025. “2025 Medicare Parts A & B Premiums and Deductibles.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Nov. 2024, www.cms.gov/newsroom/fact-sheets/2025-medicare-parts-b-premiums-and-deductibles. McManus, Melanie Radzicki. “A Short History of How Netflix Won World Domination in Streaming.” Entertainment.Howstuffworks.Com, HowStuffWorks, 21 Dec. 2018, entertainment.howstuffworks.com/short-history-netflix-world-domination-streaming.htm. “Beneficiaries with Special Needs Can Get Help from Medicare Managed Care Plans.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/beneficiaries-special-needs-can-get-help-medicare-managed-care-plans. Accessed 21 Oct. 2025. Laschober, Mary. “Estimating Medicare Advantage Lock-In Provisions Impact on Vulnerable Medicare Beneficiaries.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/05springpg63pdf. “IPod Shuffle (1st Generation).” Apple.Fandom.Com, Apple Wiki, apple.fandom.com/wiki/IPod_shuffle_(1st_generation). Accessed 21 Oct. 2025. “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 21 Oct. 2025. “Medicare Advantage and Medicare Prescription Drug Programs to Remain Stable as CMS Implements Improvements to the Programs in 2025.” CMS.Gov, Centers for Medicare & Medicaid Services, 27 Sept. 2024, www.cms.gov/newsroom/press-releases/medicare-advantage-and-medicare-prescription-drug-programs-remain-stable-cms-implements-improvements. Freed, Meredith, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Offerings.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-offerings/. Freed, Meredith, Jeannie Fugleston Biniek, et al. “Medicare Advantage 2025 Spotlight: A First Look at Plan Premiums and Benefits.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-2025-spotlight-a-first-look-at-plan-premiums-and-benefits/. “Medicare Part B Immunosuppressive Drug Benefit.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/partbid-provider. Accessed 21 Oct. 2025. “Medicare Demonstration to Transition Enrollment of Low Income Subsidy Beneficiaries .” Cms.Gov, Centers for Medicare & Medicaid Services, 8 June 2006, www.cms.gov/Medicare/Prescription-Drug-Coverage/PrescriptionDrugCovContra/Downloads/MemoLTCContracting_060806.pdf. “Medicare Part B Income-Related Monthly Adjustment Amount.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2006/10/27/E6-17690/medicare-part-b-income-related-monthly-adjustment-amount. Accessed 21 Oct. 2025. Cubanski, Juliette, and Anthony Damico. “Medicare Part D in 2025: A First Look at Prescription Drug Plan Availability, Premiums, and Cost Sharing.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-part-d-in-2025-a-first-look-at-prescription-drug-plan-availability-premiums-and-cost-sharing/. “Medicare Program Description and Legislative History.” Ssa.Gov, Social Security Administration, www.ssa.gov/policy/docs/statcomps/supplement/2006/medicare.html. Accessed 21 Oct. 2025. “Medicare Program; Establishment of the Medicare Advantage Program.” Federalregister.Gov, Federal Register, https://www.federalregister.gov/documents/2005/01/28/05-1322/medicare-program-establishment-of-the-medicare-advantage-program. Accessed 21 Oct. 2025. “Part D / Prescription Drug Benefits.” Medicareadvocacy.Org, Center for Medicare Advocacy, 30 May 2025, medicareadvocacy.org/medicare-info/medicare-part-d/

Want to improve your selling skills? Learn how to make a better insurance sales pitch! We outline four game-changing sales presentation tips for insurance agents. 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 [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 10 Tips to Submitting an Error-Free Medicare Enrollment Application 16 Ways to Generate Medicare Leads (That You Probably Haven’t Tried Yet!) Friday Five Archive – Agent Survival Guide Podcast How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly How to Stay Compliant During All Medicare Sales What Agents Forget to Do When Preparing for Appointments Ritter Insurance Marketing Blog References: Stemler, Sam. “9 Things Customers Want in 2025, According to Research.” Webascender.Com, Web Ascender, 10 Dec. 2024, www.webascender.com/blog/9-things-customers-want-in-2025-according-to-research-2/. Goman, Carol Kinsey. “10 Powerful Body Language Tips.” Amanet.Org, American Management Association, www.amanet.org/articles/10-powerful-body-language-tips/. Accessed 23 Oct. 2025. “Active Listening Techniques: Best Practices for Leaders.” Ccl.Org, Center for Creative Leadership, 14 Oct. 2025, www.ccl.org/articles/leading-effectively-articles/coaching-others-use-active-listening-skills/. Tanner, Jeff, and Mary Anne Raymond. “Chapter 3 Consumer Behavior: How People Make Buying Decisions.” Https://2012books.Lardbucket.Org/Books/Marketing-Principles-v1.0/S06-Consumer-Behavior-How-People-m.Html, Flatworld. Bronten, George. “How to Sabotage Your Sales with Bad Assumptions.” Membrain.Com, Membrain, www.membrain.com/blog/how-to-sabotage-your-sales-with-bad-assumptions. Accessed 23 Oct. 2025. “Why Your Pace of Speech Matters in Public Speaking.” Teleprompter.Com, Teleprompter, www.teleprompter.com/blog/why-your-pace-of-speech-matters. Accessed 23 Oct. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Feeling frustrated this enrollment season? This episode is for you! We’ve got some ideas to help you take a break, take care, and make it through AEP and OEP. Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Turn Self-Care Into a Game with the Finch App: “Finch: Self-Care Pet - Apps on Google Play.” Google, www.play.google.com/store/apps/details?id=com.finch.finch. Accessed 6 Nov. 2025. “Finch: Self-Care Pet App.” App Store, 7 Dec. 2024, www.apps.apple.com/us/app/finch-self-care-pet/id1528595748. “Your New Self-Care Best Friend.” Finch, www.finchcare.com/. Accessed 6 Nov. 2025. ‘Tis the Season for Holiday Flavors at Dunkin’ & Starbucks: “Celebrate the season: Starbucks Holiday Menu Returns Nov. 6 with Festive Drinks, Cups and Treats.” About Starbucks, www.about.starbucks.com/stories/2025/celebrate-the-season-starbucks-holiday-menu-returns-nov-6-with-festive-drinks-cups-and-treats/. Accessed 6 Nov. 2025. “Dunkin’® Unwraps the Holidays with New Cookie Butter Cloud Latte, Berry Sangria Refresher and Bacon Jam Creations.” Dunkin’, 5 Nov. 2025, www.news.dunkindonuts.com/news/holiday-menu-2025. “Dutch Bros® Cranks up the Cheer with 2025 Holiday Menu.” Dutch Bros® Cranks Up the Cheer with 2025 Holiday Menu | Dutch Bros, www.dutchbros.com/news-events/holiday-2025-drink-menu/. Accessed 6 Nov. 2025. “Starbucks Holiday Menu Returns Nov. 6.” About Starbucks, www.about.starbucks.com/stories/2025/starbucks-holiday-menu-returns-nov-6/. Accessed 6 Nov. 2025. “Starbucks Unveils Joyful Holiday Beverages: Starbucks Stories Asia.” About Starbucks, www.stories.starbucks.com/asia/stories/2025/starbucks-unveils-joyful-holiday-beverages/. Accessed 6 Nov. 2025. Dictation Goes Modern with Sandbar’s Stream Ring: Evans, Courtney. “Ex-Meta Founders Launch Smart Ring for Music & Notes.” CEO Today, 5 Nov. 2025, www.ceotodaymagazine.com/2025/11/ex-meta-smart-ring-music-voice-notes/. Werth, Timothy Beck. “Former Meta Employees Launch Sandbar, a New Smart Ring Brand.” Mashable, Mashable, 5 Nov. 2025, www.mashable.com/article/meta-employees-launch-smart-ring-sandbar. Mehta, Ivan. “Former Meta Employees Launch Stream, a Smart Ring That Takes Voice Notes and Controls Music.” TechCrunch, 5 Nov. 2025, www.techcrunch.com/2025/11/05/former-meta-employees-launch-stream-a-smart-ring-that-takes-voice-notes-and-controls-music/. “Stream Ring: A Voice-First Ring for Capturing Thoughts and Building Ideas.” Sandbar, www.sandbar.com/. Accessed 6 Nov. 2025. Chokkattu, Julian. “Whisper into This AI-Powered Smart Ring to Organize Your Thoughts.” Wired, Conde Nast, 5 Nov. 2025, www.wired.com/story/sandbar-stream-smart-ring/. Google Maps Adds Landmarks & More AI Capabilities: Mehta, Ivan. “Google Maps Bakes in Gemini to Improve Navigation and Hands-Free Use.” TechCrunch, 5 Nov. 2025, www.techcrunch.com/2025/11/05/google-maps-bakes-in-gemini-to-improve-navigation-and-hands-free-use/. Moore, Amanda Leicht. “Google Maps Navigation Gets a Powerful Boost with Gemini.” Google, Google, 5 Nov. 2025, www.blog.google/products/maps/gemini-navigation-features-landmark-lens/. “Google Maps Is Getting More Hands-Free for When You’re Driving.” CNET, www.cnet.com/tech/services-and-software/google-maps-is-getting-more-hands-free-for-when-youre-driving/. Accessed 6 Nov. 2025. Field Notes on the Longest Government Shutdown Ever: Solendar, Andrew, and Kate Santaliz. “A Group of House Democrats and Republicans Is Floating a Plan to End the Shutdown.” AXIOS, www.axios.com/2025/11/03/shutdown-aca-tax-credits-democrats-republicans. Accessed 6 Nov. 2025. “Bacon, Suozzi, Hurd, Gottheimer Release Bipartisan Principles to Temporarily Extend and Reform Affordable Care Act Enhanced Premium Tax Credits.” U.S. Congressman Don Bacon, 3 Nov. 2025, www.bacon.house.gov/news/documentsingle.aspx?DocumentID=2805. Gringlas, Sam. “How an Enduring Debate over Healthcare Sparked a Now Record-Long Shutdown.” NPR, 5 Nov. 2025, www.npr.org/2025/11/05/nx-s1-5596472/government-shutdown-record-health-care-subsidies. Beavins, Emma, et al. “How the Shutdown Impacts Healthcare: Legislators Float Bipartisan Plan to Extend, Reform Aca Tax Credits.” Fierce Healthcare, www.fiercehealthcare.com/regulatory/shutdown-tracker-cms-issues-billing-guidance-hhs-furloughs-32000-employees. Accessed 6 Nov. 2025. Recently Published Episodes: 5 Real-Life Medicare Sales Scenarios & How to Handle Them Content Library: Cooking for Beginners ft. Jeff Snyder How Insurance Agents Can Use AI Tools How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly Stress Relief Tips to Get You Through AEP 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://ww

CMS plans to simplify prior authorization for Medicare beneficiaries beginning in 2026. Listen to learn more about changes coming to Medicare Advantage and Original Medicare! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency 5 Medicare Myths Your Clients May Believe 16 Ways to Generate Medicare Leads (That You Probably Haven’t Tried Yet!) Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly References: “HHS Secretary Kennedy, CMS Administrator Oz Secure Industry Pledge to Fix Broken Prior Authorization System.” HHS.Gov, U.S. Department of Health and Human Services, 23 June 2025, www.hhs.gov/press-room/kennedy-oz-cms-secure-healthcare-industry-pledge-to-fix-prior-authorization-system.html. Accessed 19 Oct. 2025. “Health Plans Are Making Voluntary Commitments to Support Patients And Providers” AHIP.Org, www.ahip.org/health-plans-are-making-voluntary-commitments-to-support-patients-and-providers. Accessed 19 Oct. 2025. “Health Plans Take Action to Simplify Prior Authorization - AHIP.” AHIP.Org, www.ahip.org/news/press-releases/health-plans-take-action-to-simplify-prior-authorization. Accessed 19 Oct. 2025. Ochieng, Nancy, et al. “Medicare Advantage in 2025: Premiums, out-of-Pocket Limits, Supplemental Benefits, and Prior Authorization.” KFF, 9 Aug. 2025, www.kff.org/medicare/medicare-advantage-premiums-out-of-pocket-limits-supplemental-benefits-and-prior-authorization/. Accessed 19 Oct. 2025. “Medicare Program; Implementation of Prior Authorization for Select Services for the Wasteful and Inappropriate Services Reduction (WISeR) Model.” FederalRegister.Org, www.federalregister.gov/public-inspection/2025-12195/medicare-program-implementation-of-prior-authorization-for-select-services-for-the-wasteful-and. Accessed 19 Oct. 2025. “Prior Authorization and Pre-Claim Review Initiatives.” CMS.Gov, Centers for Medicare and Medicaid Services, www.cms.gov/data-research/monitoring-programs/medicare-fee-service-compliance-programs/prior-authorization-and-pre-claim-review-initiatives. Accessed 19 Oct. 2025. LeValley, Donna. “Prior Authorization Coming to Traditional Medicare Starting in 2026.” Kiplinger.Com, Kiplinger, 7 July 2025, www.kiplinger.com/retirement/medicare/prior-authorization-coming-to-traditional-medicare. Accessed 19 Oct. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Every Medicare client has their own unique situation and needs. Learn how to best assist them with 5 more insurance sales scenarios! Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 3 Essential Steps New Insurance Agents Need to Take 4 Ancillary Cross-Sales to Show Clients You Care 4 Out-Of-the-Box Long-Term Care Insurance Solutions 5 Must-Haves for Every Agent This AEP 5 Real-Life Medicare Sales Scenarios & How to Handle Them Agent Survival Guide Podcast Do’s and Don’ts of Medicare Compliance How to Prepare for AEP like a Pro How VA Benefits Work with Medicare Life Insurance for Each of Life’s Stages Meet Your Ritter Sales Team Rules for Hosting a Compliant Medicare Educational Event Rules for Hosting a Compliant Medicare Sales Event Surviving AEP Resources The Survivor’s AEP Checklist The Complete Guide on How to Sell Final Expense Insurance FREE eBook DOWNLOAD Your Clients May Not Be Automatically Enrolled in Medicare References: “Agent of Record.” Insuranceopedia, 14 Jan. 2025, https://www.insuranceopedia.com/definition/674/agent-of-record. “Avoid Late Enrollment Penalties.” Medicare, https://www.medicare.gov/basics/costs/medicare-costs/avoid-penalties. Accessed 1 Oct. 2025. “Cobra and Medicare Coordination.” Medicare Interactive, 31 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/cobra-and-medicare/cobra-and-medicare-coordination. “How Medicare Works with Other Insurance.” Medicare, https://www.medicare.gov/health-drug-plans/coordination. Accessed 1 Oct. 2025. “Job-Based Insurance When You Are Disabled.” Medicare Interactive, 23 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/job-based-insurance-and-medicare/job-based-insurance-when-you-are-disabled. “Medicare Information.” SSA, https://www.ssa.gov/disabilityresearch/wi/medicare.htm. Accessed 1 Oct. 2025. “Tricare for Life (Tfl) Basics.” Medicare Interactive, 23 Mar. 2025, https://www.medicareinteractive.org/understanding-medicare/coordinating-medicare-with-other-insurance/military-retiree-insurance-and-medicare/tricare-for-life-tfl-basics. 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.

One of the best ways to prepare for the insurance field is with real life scenarios. In this episode we dive into 5 scenarios and how to best assist your clients. Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Tips for Making a Better Insurance Sales Pitch 10 Tips to Submitting an Error-Free Medicare Enrollment Application Contact Ritter Insurance Marketing eBook: A Comprehensive Guide to Medicare Supplement Underwriting How to Save Your Clients Money on Prescription Drugs How SPAPs and Their SEPs Can Bring You New Business Reach Out to Ritter's Sales Team Register with Ritter Insurance Marketing The Beginner’s Guide to D-SNPs Stay Busy Outside of AEP With Special Enrollment Periods References: “Extra Help Basics.” Medicare Interactive, 1 May 2025, https://www.medicareinteractive.org/understanding-medicare/cost-saving-programs/the-extra-help-low-income-subsidy-lis-program/extra-help-basics. “Get Ready to Buy.” Medicare, https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 25 Sept. 2025. “Glossary Archive.” Medicare Interactive, https://www.medicareinteractive.org/glossary. Accessed 25 Sept. 2025. “I Am Turning 65 in a Few Months and Want to Go on Medicare. Will I Be Automatically Enrolled in Parts A and B or Do I Need to Sign Up?” KFF, 18 Sept. 2025, https://www.kff.org/faqs/medicare-open-enrollment-faqs/enrollment-information-for-people-new-to-medicare/i-am-turning-65-in-a-few-months-and-want-to-go-on-medicare-will-i-be-automatically-enrolled-in-parts-a-and-b-or-do-i-need-to-sign-up/. 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.

Things can get hectic during AEP. From sales appointments, applications, and following up with clients, it’s easy to brush aside rest and self-care, so consider this episode as a reminder! Read the text version Save Time, Sell More - IntegrityCONNECT Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: A Review of Integrity’s Top Medicare Quoting Tools Agent Survival Kits Do’s and Don’ts of Medicare Compliance How Ask Integrity Can Streamline Your Medicare Sales Appointments IntegrityCONNECT - Login PlanEnroll – Take Your Business to the Next Level Ritter’s Round Table Your Guide to Forming an Insurance Agent Network Fun Local Resources near Harrisburg PA: Lancatster Cat Cafe Meditation to Calm the Mind (Free) Round-A-Bout-Bagels Carlisle Cat Cafe Volunteer with The Harrisburg Humane Society (Free) Wildwood Park (Free) – Harrisburg PA Yoga at Harrisburg YMCA References: “3 Tips to Manage Stress.” Www.Heart.Org, American Heart Association, https://www.heart.org/en/healthy-living/healthy-lifestyle/stress-management/3-tips-to-manage-stress. Accessed 8 Oct. 2025. “Your Frontline Source for Tech News.” Techreport, 6 Oct. 2025, https://techreport.com/. Mayo Clinic Staff. “Stress Relievers: Tips to Tame Stress.” Mayo Clinic, Mayo Foundation for Medical Education and Research, 3 Aug. 2023, https://www.mayoclinic.org/healthy-lifestyle/stress-management/in-depth/stress-relievers/art-20047257. Matijczak, Angela, et al. “The Influence of Interactions With Pet Dogs on Psychological Distress.” American Psychological Association, American Psychological Association, https://psycnet.apa.org/fulltext/2023-97081-001.html. Accessed 8 Oct. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Have you heard? The definition of Short-Term Limited Duration Insurance has changed. We unpack what it means for insurance agents! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: CMS & HHS Expand ACA Catastrophic Coverage Enrollment ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents Judge Vacates HHS MA Commissions Lawsuit Ritter Insurance Marketing Carrier Partners The Fight for ACA Enhanced Premium Tax Credits References: “Public Health Service Act.” Govinfo.Gov, govinfo.gov, www.govinfo.gov/content/pkg/COMPS-8773/pdf/COMPS-8773.pdf. Accessed 21 Oct. 2025. “Short-Term Health Insurance Availability and Limits by State.” Healthinsurance.Org, healthinsurance.org, 15 Aug. 2025, www.healthinsurance.org/short-term-health-insurance/. “Short-Term Health Insurance: How It Works and Who It’s For.” Healthinsurance.Org, healthinsurance.org, 30 Sept. 2025, www.healthinsurance.org/short-term-health-insurance/. “Short-Term, Limited-Duration Insurance and Independent, Noncoordinated Excepted Benefits Coverage.” Federalregister.Gov, Federal Register, 3 Apr. 2024, www.federalregister.gov/documents/2024/04/03/2024-06551/short-term-limited-duration-insurance-and-independent-noncoordinated-excepted-benefits-coverage. “Statement of U.S. Departments of Labor, Health and Human Services, and the Treasury Regarding Short-Term, Limited Duration Insurance.” Cms.Gov, Centers for Medicare & Medicaid Services, 7 Aug. 2025, www.cms.gov/files/document/statement-regarding-short-term-limited-duration-insurance.pdf. “What Is Individual Health Insurance?” Healthinsurance.Org, healthinsurance.org, 14 Feb. 2025, www.healthinsurance.org/glossary/individual-health-insurance/. 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.

No tricks, just a treat of an episode that miiiight leave you sleeping with the lights on tonight. Our staff volunteered to tell some spooky stories that line up with locations featured in our Content Library Top Spooky Spots series. We hope you enjoy it! Content Library: The Top Spooky Spots for Halloween Previous Content Library Interviews: Content Library: Cooking for Beginners ft. Jeff Snyder Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Introducing a Content Marketing Solution 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/ Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Not affiliated with or endorsed by Medicare or any government agency.

In this episode we review key CMS regulations agents must follow to stay compliant during Medicare sales. Bonus? These steps also help educate and inform your clients! Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Fact vs. Fiction: Examining the Medicare Part B Premium Giveback Formularies & Covered Drugs – Knight School Training How to Check Medicare Extra Help Eligibility for Your Client How to Help Clients Avoid Medicare Late Enrollment Penalties How to Help Your Clients Get the Most Out of Their Medicare Advantage Plans Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them MA & PDP Compliant Sales Checklist PDF Download SNPs: The Secret to Surviving Lock-in The 2026 Medicare Part D Redesign Updates Agents Should Know The Beginner’s Guide to C-SNPs The Beginner’s Guide to D-SNPs The Difference Between Medicare & Medicaid: What That Means for Insurance Agents What Agents Can’t Say During Medicare Sales Appointments What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales References: “Agent and Broker Training & Testing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/cy2025-agent-broker-training-testing-guidelines.pdf. Accessed 14 Oct 2025. “Agent and Broker Training & Testing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/cy2026agentbrokertrainingtestingguidelinespdf.pdf. Accessed 15 Oct. 2025. “Costs.” Medicare, www.medicare.gov/basics/costs/medicare-costs. Accessed 14 Oct. 2025. “Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f. Accessed 14 Oct. 2025. “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 15 Oct. 2025. “Emergency Department Services.” Medicare.Gov, Medicare, www.medicare.gov/coverage/emergency-department-services. Accessed 14 Oct. 2025. “Medicare Communications and Marketing Guidelines (MCMG) Date: 02/09/2022.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/medicare-communications-marketing-guidelines-2-9-2022.pdf. Accessed 14 Oct. 2025. Seladi-Schulman, Jill. “Medicare IRMAA: What Is It and When Does It Apply?” Healthline, Healthline Media, 22 Apr. 2025, www.healthline.com/health/medicare/what-is-irmaa. “Medicare and Medicaid Programs; CY 2025 Payment Policies Under the Physician Fee Schedule and Other Changes to Part B Payment and Coverage Policies; Medicare Shared Savings Program Requirements; Medicare Prescription Drug Inflation Rebate Program; and Medicare Overpayments.” Federalregister.Gov, Federal Register, www.federalregister.gov/documents/2024/07/31/2024-14828/medicare-and-medicaid-programs-cy-2025-payment-policies-under-the-physician-fee-schedule-and-other. Accessed 14 Oct. 2025. “Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” FederalRegister.Gov, Federal Register, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare. Accessed 15 Oct. 2025. “Out-of-Pocket Maximum/Limit.” HealthCare.Gov, www.healthcare.gov/glossary/out-of-pocket-maximum-limit/. Accessed 14 Oct. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

This just in! Social Security announced the Cost of Living Adjustment for 2026. Listen on the ASG podcast for the official numbers and how the COLA increase impacts your clients. 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 [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Medicare Myths Your Clients May Believe 2026 Medicare Advantage and Medicare Part D Premiums Ask Integrity Plan Insights References: “Consumer Price Index - September 2025.” Bls.Gov, U.S. Bureau of Labor Statistics, 24 Oct. 2025, www.bls.gov/news.release/cpi.toc.htm. “Create Your Personal My Social Security Account Today.” SSA, Social Security Administration, www.ssa.gov/myaccount/. Accessed 24 Oct. 2025. Bogle, Darlynda. “How the Hold Harmless Provision Protects Your Benefits.” Blog.SSA.Gov, Social Security Administration, 18 Apr. 2025, blog.ssa.gov/how-the-hold-harmless-provision-protects-your-benefits/. “Social Security Announces 2.8 Percent Benefit Increase for 2026 .” SSA.Gov, Social Security Administration, 24 Oct. 2025, blog.ssa.gov/social-security-announces-benefit-increase-for-2026/. “Social Security Cost of Living Adjustment.” SSA.Gov, Social Security Administration, 24 Oct. 2025, www.ssa.gov/cola/. 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.

You’ve worked hard all year to prepare for AEP, but you’re not at the finish line yet! Listen to this installment of the Agent Survival Guide Podcast for tips on how to maximize your success this AEP. Read the text version Meet your personal AI assistant: Ask Integrity Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet Announcing the Launch of IntegrityCONNECT Ask Integrity Content Library: Mastering Medicare Coverage ft. Jeff Snyder How Insurance Agents Can Use AI Tools How to Better Market Yourself How to Prepare for AEP Like a Pro Secure a Bigger, Better Business with Ancillary Products The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships FREE eBook The Survivor’s AEP Checklist What Agents Forget to Do When Preparing for Appointments References: “Medicare + Fraud, Waste, and Abuse (MFWA) Online Course.” AHIP Medicare Training, https://www.ahipmedicaretraining.com/page/login. Accessed 14 Oct. 2025. “Medicare Open Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/key-initiatives/medicare-open-enrollment-partner-resources. Accessed 13 Oct. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

As select Medicare Advantage and Medicare Part D plans go non-commissionable, we’ve been hearing whispers about consulting fees. Rather than stay silent, we’ve got some words of caution and solutions for agents to consider. Read the text version Contact Us! Email [email protected] or reach out to Ritter’s Sales Team near you! Resources: 7 Actions You Can Take If Your Medicare Plans Go Non-Commissionable 8 Reasons Why Insurance Agents Should Sell ACA Plans ACA 101: Selling Under-65 Health Insurance A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products Final Expense Insurance: How Much Can Clients Expect It to Cover? Register with Ritter Insurance Marketing Selling Hospital Indemnity with Medicare Advantage: Is It Worth It? References: Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026 Medicare Advantage Program Regulations Medicare Part D Communication Requirements AEP Media Toolkit from NABIP Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

The Friday Five for October 24, 2025: Field Notes & Countdown to OEP OpenAI Announces ChatGPT Atlas Apple Beta Updates for Liquid Glass ACA Premiums & Tax Credits Status Check Ask Integrity Plan Insights Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. OpenAI Announces ChatGPT Atlas: Rogers, Reece. “OpenAI’s Atlas Browser Takes Direct Aim at Google Chrome.” Wired.Com, Wired, 21 Oct. 2025, www.wired.com/story/openai-atlas-browser-chrome-agents-web-browsing/. Babu, Juby, and Krystal Hu. “OpenAI Launches AI Browser Atlas in Latest Challenge to Google.” Reuters.Com, Reuters, www.reuters.com/technology/openai-unveils-ai-browser-atlas-2025-10-21/. Accessed 21 Oct. 2025. O’Brien, Matt, and Michael Liedtke. “OpenAI Launches Atlas Browser to Compete with Google Chrome.” Apnews.Com, AP News, 21 Oct. 2025, apnews.com/article/openai-atlas-web-browser-chatgpt-google-ai-f59edaa239aebe26fc5a4a27291d717a. Capoot, Ashley. “OpenAI Unveils CHATGPT Atlas Browser, Sending Alphabet Shares Lower.” CNBC.Com, CNBC, 21 Oct. 2025, www.cnbc.com/2025/10/21/openai-browser-alphabet-stock.html. Fried, Ina. “What to Know about Atlas, OpenAI’s New Web Browser.” Axios.Com, Axios, www.axios.com/2025/10/21/openai-atlas-what-to-know. Accessed 21 Oct. 2025. Apple Beta Updates for Liquid Glass: Clover, Juli. “iOS 26.1 Beta 4 Lets Users Control Liquid Glass Transparency with New Toggle.” Macrumors.Com, MacRumors, 20 Oct. 2025, www.macrumors.com/2025/10/20/ios-26-1-liquid-glass-toggle/. Peters, Jay. “Apple Adds a New Toggle to Make Liquid Glass Less Glassy.” Theverge.Com, The Verge, 20 Oct. 2025, www.theverge.com/news/802963/apple-liquid-glass-ios-26-1-beta-tint-option. Cunningham, Andrew. “Upcoming iOS and macOS 26.1 Update Will Let You Fog up Your Liquid Glass.” Arstechnica.Com, Ars Technica, 21 Oct. 2025, arstechnica.com/gadgets/2025/10/new-ios-and-macos-betas-add-tinted-toggle-to-tone-down-liquid-glass/. ACA Premiums & Tax Credits Status Check: Ortaliza, Jared, Matt McGough, Kaitlyn Vu, Imani Telesford, Shameek Rakshit, Emma Wager Twitter, et al. “How Much and Why ACA Marketplace Premiums Are Going up in 2026.” Healthsystemtracker.Org, KFF, 6 Aug. 2025, www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/. “How Much More Would People Pay in Premiums If the ACA’s Enhanced Premium Tax Credits Expire?” KFF.Org, KFF, 17 Oct. 2025, www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/. “Is It Too Late for ACA Insurers to Change Their Premiums?” KFF.Org, KFF, 8 Oct. 2025, www.kff.org/quick-take/is-it-too-late-for-aca-insurers-to-change-their-premiums/. Ask Integrity Plan Insights: Get Started with IntegrityCONNECT Integrity Transformational AI-Powered Plan Insights Learn more about Ask Integrity Resources: How an ICHRA Partnership Can Support ACA Sales How Insurance Agents Can Use AI Tools How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly Optimize Your Online Presence ft. Aaron Kassover The Medicare Telehealth 2025 Changes Insurance Agents Need to Know 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.

Jeff Snyder joins Sarah to chat about Ritter Insurance Marketing’s Content Library for insurance agents. Find out how to use non-insurance related content in your marketing efforts. 📚Browse Ritter Insurance Marketing’s Content Library for Insurance Agents 🤝Register with Ritter Insurance Marketing Resources: 5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd 5 Types of Content to Share on Social Media Content Library: Master Medicare Insurance Coverage Field Notes on Partner Marketing Resources Field Notes on Digital Marketing Resources Field Notes on Traditional Marketing Resources Introducing a Content Marketing Solution for Insurance Agents Reach out to Ritter’s Compliance Team 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 [email protected] or call 1-717-562-7211 and leave a voicemail.

Don't let anxiety take away your potential. In this episode, we've got tips to help insurance agents overcome anxiety, turning it into fuel for your success. Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: eBooks and Guides for Insurance Agents Events & Webinars available through Ritter Insurance Marketing Fact-Finder to use when meeting with clients Knight School Online Training for Insurance Agents MA & PDP Compliant Sales Checklist More Episodes of the ASG Podcast: Adding Spokes to Your Wheel ft. Robert Rothschild Building the Foundation for Success ft. Roy Snarr How to Create a Healthy Balance Between Work and Life Making Your Own Luck ft. Michael Krantz Operating From a People-First Mentality ft. Scott Zimmerman 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.

The Friday Five for October 17, 2025: Social Security 2026 COLA delayed Meet Rust-Out; the apathetic cousin of Burnout Instagram Goes PG-13 for Teens 13-17 A Chat with Jake McGeoy for our Maryland Agents eHealth Medicare AEP Consumer Insights Survey 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 [email protected] or call 1-717-562-7211 and leave a voicemail. Social Security 2026 COLA delayed: September 2025 CPI Release Rescheduled Meet Rustout; the apathetic cousin of Burnout Forget Burnout: 5 Clear Signs You're Suffering From Rust-Out Rust-Out and Burnout: Steps You Can Take to Overcome Them at Work Rust Out - The warning signs and what to do about them What is 'rust out' and are you experiencing it? Instagram Goes PG-13 for Teens 13-17: Instagram Teen Accounts Will Be Guided by PG-13 Ratings Instagram to bring in version of PG-13 system to protect children, says Meta Instagram Will Limit Content for Teenagers Based on PG-13 Ratings Instagram will now be PG-13 for teens with Meta’s latest update Motion Picture Association Film Ratings A Chat with Jake McGeory for our Maryland Agents: Connect with the Ritter Insurance Marketing Team in Your Region eHealth Medicare AEP Consumer Insights Survey Resources: How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly What Agents Forget to Do When Preparing for Appointments Where It All Begins: Obtaining Permission to Contact for Medicare Sales 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.

You’ve got a full day of appointments… great! But do you have everything you need? Don’t miss our list of small items that agents often forget. Remembering them can make a big difference in keeping you organized and stress-free when you’re on the road. Read the text version Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast ! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Medicare Myths Your Clients May Believe How Ask Integrity Can Streamline Your Medicare Sales Appointments How to Prepare for AEP Like a Pro How to Survive AEP: Wellness Tips for Insurance Agents Save Time & Sell More with IntegrityCONNECT The Survivor's AEP Checklist What New Insurance Agents Need to Know References: Nesmith, Meghan. “Clean IQ: What’s Really in Those Tide to Go Pens? And Why Don’t You Have to Rinse Them?” Apartmenttherapy.Com, Apartment Therapy, www.apartmenttherapy.com/tide-to-go-how-to-use-268453. Accessed 8 Sept. 2025. Naftulin, Julia. “Do You Get ‘Hangry’? Feeling Angry From Not Eating Is a Real Thing.” Edited by Melissa Nieves, Health.Com, Health, 19 Aug. 2025, www.health.com/nutrition/what-is-hangry. “Phone Charging Tips: The Complete Guide to Maximizing Battery Life in 2025.” Rdbatteries.Com, R&D Batteries Inc., 1 Sept. 2025, www.rdbatteries.com/blog/post/how-to-store-batteries.html. 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.

The Friday Five for October 10, 2025: Medicare Telehealth in Limbo Potential Delay for 2026 COLA? Public Support for Extending ACA Subsidies FFM Certification Now Available 5 Days Until AEP 2026 Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Medicare Telehealth in Limbo: Beavins, Emma. “Hospitals, Doctors Face Virtual Care Cliff with Telehealth, Hospital at Home Services on the Line.” Fierce Healthcare, 29 Oct. 2025, https://www.fiercehealthcare.com/regulatory/telehealth-hospital-home-deadlines-approach-no-funding-deal-sight. Miller, Marika. “Medicare Telehealth Flexibilities: Countdown to September 30, 2025.” Foley & Lardner LLP, 11 Sept. 2025, https://www.foley.com/insights/publications/2025/09/medicare-telehealth-flexibilities-countdown-to-september-30-2025/. Jackson, Marshall E., et al. “Medicare Telehealth Flexibilities Expire: Immediate Impacts and next Steps.” McDermott Will & Schulte, 1 Oct. 2025, https://www.mwe.com/insights/medicare-telehealth-flexibilities-expire-immediate-impacts-and-next-steps/. Konish, Lorie. “Social Security Cola for 2026: How Federal Government Shutdown May Affect Announcement.” CNBC, CNBC, 9 Oct. 2025, https://www.cnbc.com/2025/10/09/social-security-cola-2026-benefit-increase.html. Blake, Suzanne, and Gabe Whisnant. “Social Security Update: Government Shutdown Will Delay Major Announcement.” Newsweek, 7 Oct. 2025, https://www.newsweek.com/social-security-update-government-shutdown-2026-sola-10842238. “US Government Shutdown Will Delay Social Security 2026 Cola Announcement | Reuters.” Reuters, 7 Oct. 2025, https://www.reuters.com/world/us/us-government-shutdown-will-delay-social-security-2026-cola-announcement-2025-10-07/. Public Support for Extending ACA Subsidies: Sparks, Grace, et al. “KFF Health Tracking Poll: Public Weighs Political Consequences of Health Policy Legislation.” KFF, 3 Oct. 2025, https://www.kff.org/affordable-care-act/kff-health-tracking-poll-public-weighs-political-consequences-of-health-policy-legislation/. FFM Certification Now Available: 2026 ACA Exchange & FFM Certification Info Ritter Insurance Marketing Resources for AEP & Beyond: Contact our Ritter Sales Team Content Library eBooks & Guides for Insurance Agents Events & Webinars for Insurance Agents Knight School Register with Ritter Insurance Marketing Ritter Blog Ritter Carrier Pages Ritter Docs Surviving AEP Resource List Surviving OEP Resource List 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.

Don Connelly joins Sarah to talk about the soft skill of storytelling. Learn more about this strategy and why it's so effective for insurance agents. Find Don Connelly Online: Blog Facebook LinkedIn Longevity Planners Official Website X YouTube Resources: How Client Retention Boosts Insurance Sales How Relationship Marketing Can Make the Difference in Your Agency Learning to Delight in the Limelight ft. Linda Ugelow Operating From a People-First Mentality ft. Scott Zimmerman 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 [email protected] or call 1-717-562-7211 and leave a voicemail.

Before it all happens, the appointment, finding the plan that fits, the sales pitch, agents first need to collect Permission to Contact (PTC). Discover when it’s required and how to compliantly acquire PTC. Read the text version Register with Ritter Insurance Marketing Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 3 Easy Ways to Build Your Insurance Sales Territory Digital Marketing for Insurance Agents: Our Top Tips to Boost Business Do’s and Don’ts of Medicare Compliance Field Notes on Digital Marketing Resources Insurance Agents as TPMOs: What CMS Compliance Regulation Mean for You IntegrityCONNECT Guidelines for Sharing Personal Beneficiary Data with Other TPMOS Modern Medicare Marketing for Today’s Agents FREE eBook DOWNLOAD PlanEnroll – Take Your Business to the Next Level Shop – Ritter Insurance Marketing The Definitive Guide to Getting Leads and Prospecting for Medicare Sales FREE eBook DOWNLOAD What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales References: “Can-SPAM Act: A Compliance Guide for Business.” Federal Trade Commission, 22 July 2025, https://www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business. Telephone Consumer Protection Act 47 USC § 227, https://www.fcc.gov/sites/default/files/tcpa-rules.pdf. Accessed 9 Sept. 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.

CMS released their 2026 Medicare Advantage and Medicare Part D projections this week. Join Sarah as she highlights info for agents, from estimates on enrollment and premiums to plan accessibility and more! Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 2025 MA Enrollment Stats & Trends Announcing the Launch of IntegrityCONNECT Can Insurance Agents Charge Medicare Consultation Fees? Judge Vacates HHS MA Commissions Lawsuit Optimize Your Online Presence ft. Aaron Kassover Risk Adjustment & Finding Value Beyond Coding Changes ft. Dr. Shannon Decker Surviving AEP with Ritter Insurance Marketing The Fight for ACA Enhanced Premium Tax Credits The Survivor’s AEP Checklist What Agents Can't Say During Medicare Sales Appointments What Can MAPD Insurance Agents Do Prior to AEP? References: “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. “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. 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.

You've probably heard that partnering with a field marketing organization is a great idea for independent agents. Today, we're diving into the WHY. Learn more about Ritter Insurance Marketing: a national FMO offering resources and support for agents like you. Read the text version Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Things to Consider When Creating Your Personal Brand 2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Carriers Partnered with Ritter Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Everything You Get With Your Ritter Registration Events & Webinars for Insurance Agents Everything You Get With Your Ritter Registration Get in Touch with Ritter's Sales Team How Insurance Agents Can Use AI Tools IntegrityCONNECT Registration Knight School Online Training for Insurance Agents Learn More About Integrity Tools Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle Marketing & Incentives with Ritter Insurance Marketing PlanEnroll Information Training & Educational Resources at Ritter Insurance Marketing Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Dr. Shannon Decker joins Sarah to talk about risk adjustment, the switch from V24 to V28 coding, and what recent changes mean for value-based care. Find Shannon Decker Online: LinkedIn VBCOne Official Website VBCOne on YouTube Resources: 5 Things From the 2025 Budget Reconciliation Bill How to Build Intentional Value ft. Neil Reich Judge Grants Stay on Many 2025 ACA Final Rule Provisions Judge Vacates HHS MA Commissions Lawsuit 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 [email protected] or call 1-717-562-7211 and leave a voicemail.

We illustrate 5 life insurance myths and why your clients may believe them. Learn how to counter these objections so your clients can better understand the life product and you can make the sale! Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Tips for Making a Better Insurance Sales Pitch A Quick Guide to Understanding Universal Life Insurance How to Make the Most of Life Insurance Awareness Month Identifying Ideal Clients for Universal Life Products Register with Ritter Insurance Marketing What to Do If Your Clients Can No Longer Afford Their Permanent Life Insurance Premiums When to Recommend Life Insurance Based on Its Tax Advantages References: “2024 Life Insurance Fact Sheet.” LIMRA.Com, LIMRA, www.limra.com/siteassets/newsroom/fact-tank/fact-sheets/2024-life-insurance-fact-sheet.pdf. Accessed 8 Sept. 2025. “2025 Facts About Life Insurance.” LIMRA.Com, LIMRA, www.limra.com/siteassets/newsroom/liam/2025/2025_facts_about_life_insurance.pdf. Accessed 8 Sept. 2025. “Ensuring a Protected Tomorrow with Life Insurance.” LIMRA.Com, LIMRA, www.limra.com/en/research/research-abstracts-public/2025/2025-insurance-barometer-study/ensuring-a-protected-tomorrow-with-life-insurance-partial-infographic/. Accessed 8 Sept. 2025. “Modernizing Life Insurance.” LIMRA.Com, LIMRA, www.limra.com/en/research/research-abstracts-public/2024/2024-insurance-barometer-study/. Accessed 8 Sept. 2025. “The Diner Dispatch: 2023 American Dining Habits.” Usfoods.Com, US Foods, www.usfoods.com/our-services/business-trends/american-dining-out-habits-2023.html. Accessed 8 Sept. 2025. “The Diner Dispatch: 2024 American Dining Habits.” Usfoods.Com, US Foods, www.usfoods.com/our-services/business-trends/american-dining-out-habits-2024.html. Accessed 8 Sept. 2025. Wood, Stephen, and Maggie Leyes. “2025 Insurance Barometer Study.” LIMRA.Com, LIMRA, 25 June 2025, www.limra.com/en/research/research-abstracts-public/2025/2025-insurance-barometer-study/. 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.

The Friday Five for September 26, 2025: AEP Countdown & Ritter Resources New D-SNP Client Resources Hacking Your Social Media Algorithm iOS 26 Updates to Apple CarPlay The Fight for ACA Enhanced Premium Tax Credits Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Ritter Resources: Connect with Your Sales Rep Download eBooks and Guides Read the Ritter Blog Register for Events and Webinars Surviving AEP New D-SNP Client Resources: D-SNP Benefit Eligibility Client Letter D-SNP Client Doctor, Provider, and Prescription Checklist Hacking Your Social Media Algorithm: “Hacking Your Social Media Feed to Enhance Mental Health.” Well Nourished Psych, Well Nourished Psych, wellnourishedpsych.com/hacking-your-social-media-feed-to-enhance-mental-health/. Accessed 25 Sept. 2025. Poyourow, Joanne. “How to Create Your Own Good News Feed.” Change-Making News, Change-Making News, https://www.change-making.com/how-to-quit-doomscrolling/. Accessed 25 Sept. 2025. “How To Cultivate A Feel-Good Social Media Feed.” Sweat.Com, Sweat, sweat.com/blogs/wellbeing/feel-good-social-media-feed. Accessed 25 Sept. 2025. “How To Cultivate A Positive Social Media Experience.” Henryford.Com, Henry Ford Health, 28 Feb. 2025, www.henryford.com/blog/2025/02/how-to-cultivate-a-positive-social-media-experience. “Tips for Using News and Social Media in a Healthy Way.” KaiserPermanente.Org, Kaiser Permanente, healthy.kaiserpermanente.org/health-wellness/health-encyclopedia/he.tips-for-using-news-and-social-media-in-a-healthy-way.acl3156. Accessed 25 Sept. 2025. iOS 26 Updates to Apple CarPlay: Swanner, Nate. “Apple CarPlay Users Are About To Notice Huge Changes.” Autoblog.Com, Auto Blog, https://www.autoblog.com/news/apple-carplay-users-are-about-to-notice-huge-changes. Accessed 25 Sept. 2025. Poultney, Leon. “I’ve Tried CarPlay’s New iOS 26 Makeover – Here Are My 5 Favorite Upgrades.” TechRadar.Com, TechRadar, 16 Sept. 2025, www.techradar.com/vehicle-tech/hybrid-electric-vehicles/ive-tried-carplays-new-ios-26-makeover-here-are-my-5-favorite-upgrades. Miller, Chance. “This IOS 26 Change Makes Carplay Even Better.” 9to5Mac.Com, 9to5Mac, 22 Sept. 2025, 9to5mac.com/2025/09/22/carplay-in-ios-26-smart-display-zoom/. The Fight for ACA Enhanced Premium Tax Credits: Muoio, Dave. “Delaying ACA Subsidy Legislation Past Sept. 30 Limits next Year’s Premium Reductions: CBO.” Fiercehealthcare.Com, Fierce Healthcare, 18 Sept. 2025, www.fiercehealthcare.com/payers/delaying-aca-subsidy-legislation-past-sept-30-limits-next-years-premium-reductions-cbo. Sullivan, Peter. “GOP Considers Changing and Extending ACA Subsidies.” Axios.Com, Axios, 22 Sept. 2025, www.axios.com/2025/09/22/republicans-aca-tax-credit-changes. “The Estimated Effects of Enacting Selected Health Coverage Policies on the Federal Budget and on the Number of People With Health Insurance.” Cbo.Gov, Congressional Budget Office, 18 Sept. 2025, www.cbo.gov/publication/61734. What the Stay on 2025 ACA Final Rule Changes Means Ortaliza, Jared, Anna Cord, et al. “Inflation Reduction Act Health Insurance Subsidies: What Is Their Impact and What Would Happen If They Expire?” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/affordable-care-act/inflation-reduction-act-health-insurance-subsidies-what-is-their-impact-and-what-would-happen-if-they-expire/. More Episodes Like This One: Announcing the Launch of IntegrityCONNECT CMS & HHS Expand ACA Catastrophic Coverage Enrollment Judge Grants Stay on Many 2025 ACA Final Rule Provisions 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.

Small business have a few different options for offering coverage to their employees Learn about these 3 options and how your role as an agent fits in. Read the text version Register with Ritter Insurance Marketing Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Things About ICHRA ACA 101: Selling Under-65 Health Insurance ACA Enrollment Periods Explained Contract & Get Appointed to Sell with Health Insurance Companies Community-Based Marketing for Insurance Agents How an ICHRA Partnership Can Support ACA Sales ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents Meet Your Sales Team Simplify Marketplace Enrollment with HealthSherpa Six Ways to Generate ACA LeadsSocial Media Marketing for Insurance Agents FREE eBook DOWNLOAD The Insurance Agent’s Guide to Generating Referrals FREE eBook DOWNLOAD The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover References: “Agents & Brokers: How to Register to Sell Shop Insurance.” HealthCare.Gov, www.healthcare.gov/small-businesses/agents-and-brokers/. Accessed 25 Aug. 2025. Author: Louise Norris | Date Posted: October 11. “Can Small Businesses Use the ACA’s Health Insurance Marketplaces (Exchanges)?” Healthinsurance.Org, 2 May 2025, www.healthinsurance.org/faqs/ive-heard-a-lot-about-health-insurance-exchanges-but-what-are-shop-exchanges/. “Find Local Help.” Local Assistance for Health Insurance Application, www.healthcare.gov/find-local-help/. Accessed 25 Aug. 2025. “Individual Coverage Health Reimbursement Arrangements (HRAS).” HealthCare.Gov, www.healthcare.gov/small-businesses/learn-more/individual-coverage-hra/. Accessed 25 Aug. 2025. “Nexben.Com.” Nexben, 22 May 2024, www.nexben.com/. “Promoting Healthcare Choice and Competition Across the United States.” Federal Register, 17 Oct. 2017, www.federalregister.gov/documents/2017/10/17/2017-22677/promoting-healthcare-choice-and-competition-across-the-united-states. “What Is a QSEHRA?” Healthinsurance.Org, 7 July 2025, www.healthinsurance.org/glossary/qualified-small-employer-health-reimbursement-arrangement/. 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.

Aaron Kassover from AgentMethods joins Sarah to talk about the growing importance of a well-rounded online presence. Don’t miss his approach to creating a digital footprint that shows leads you’re an active insurance agent. AgentMethods Official Website Follow AgentMethods on Social! AgentMethods on Facebook, https://www.facebook.com/AgentMethods AgentMethods on LinkedIn, https://www.linkedin.com/company/agentmethods-llc/ AgentMethods on Twitter, https://twitter.com/AgentMethods AgentMethods on YouTube, https://www.youtube.com/user/AgentMethods Resources: 5 Marketing Podcasts to Follow Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder How Relationship Marketing Can Make the Difference in Your Agency Field Notes on Digital Marketing Resources Field Notes on Partner Marketing Resources Field Notes on Traditional Marketing Resources Introducing a Content Marketing Solution for Insurance Agents The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover 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 [email protected] or call 1-717-562-7211 and leave a voicemail.

Get involved and help businesses in your community offer employees affordable health care through Individual Coverage Health Reimbursement Arrangements (ICHRAs). Read the text version Work with Ritter Insurance Marketing Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Things About ICHRA Community Engagement & ACA Marketing Suggestions for Agents Field Notes – Digital Resources for Agents How an ICHRA Partnership Can Support ACA Sales How Ask Integrity Can Streamline Your Medicare Sales Appointments How to Ask Your Current Clients for Referrals ICHRA vs. QSEHRA vs. Group Health Plans: Sales Opportunities for Insurance Agents Meet Your Ritter Sales Team The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover The Insurance Agent’s Guide to Generating Referrals References: “Health Insurance Marketplace Calculator.” KFF, 14 Aug. 2025, www.kff.org/interactive/subsidy-calculator/. “HRA Council Data Insights Hub.” HRA Council, https://www.hracouncil.org/report. Accessed 22 Aug. 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.

The Friday Five for September 19, 2025: Wrapping up the 2025 Ritter Summits Compliant Compensation for Medicare Sales, Renewals, or Services New Features for Spotify Free & Premium Introvert, Extrovert, Ambivert… Otrovert? Announcing the Launch of IntegrityCONNECT Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Ritter Resources: Download eBooks and Guides Read the Ritter Blog Register for Events and Webinars Compliant Compensation for Medicare Sales, Renewals, or Services: “Burden of Proof.” Legal Information Institute, Cornell Law, www.law.cornell.edu/wex/burden_of_proof. Accessed 19 Sept. 2025. Hurson, Brendan A. “City of Columbus Et Al. vs. Robert F. Kennedy, Jr. Et Al.” Democracyforward.Org, Democracy Forward, 22 Aug. 2025, democracyforward.org/wp-content/uploads/2025/08/35-City-of-Columbus-memorandum-opinion.pdf. Federal Register, National Archives and Records Administration, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V/section-422.2274. Accessed 17 Sept. 2025. Federal Register, National Archives and Records Administration, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V/section-423.2274. Accessed 17 Sept. 2025. “Preponderance of the Evidence.” Legal Information Institute, Cornell Law, www.law.cornell.edu/wex/preponderance_of_the_evidence. Accessed 19 Sept. 2025. New Features for Spotify Free & Premium: “7 Ways Spotify’s New User Controls Put You in Charge of Your Listening.” For the Record, Spotify, 8 Sept. 2025, newsroom.spotify.com/2025-09-05/new-user-controls-personalize-listening/. Shanklin, Will. “Free Spotify Users Can Finally Listen to Any Track Immediately.” Engadget.Com, Engadget, 15 Sept. 2025, www.engadget.com/entertainment/streaming/free-spotify-users-can-finally-listen-to-any-track-immediately-130013081.html. “Lossless Listening Arrives on Spotify Premium With a Richer, More Detailed Listening Experience.” For the Record, Spotify, 10 Sept. 2025, newsroom.spotify.com/2025-09-10/lossless-listening-arrives-on-spotify-premium-with-a-richer-more-detailed-listening-experience/. Connellan, Shannon. “Spotify’s Free Users Can Now Search and Play Songs with Ease.” Mashable.Com, Mashable, 16 Sept. 2025, mashable.com/article/spotify-free-search-play-songs. “Spotify’s Free Experience Is Even Better—Here’s How to Make the Most of It.” For the Record, Spotify, 15 Sept. 2025, newsroom.spotify.com/2025-09-15/free-experience-updates-features-tips/. Mehta, Ivan. “Spotify Is Finally Launching Support for Lossless Music Streaming.” TechCrunch.Com, TechCrunch, 10 Sept. 2025, techcrunch.com/2025/09/10/spotify-is-finally-launching-support-for-lossless-music-streaming/. Rogers, Tammy. “Spotify Lossless Just Dropped — Here’s How It Compares to Apple Music, Tidal and Other High-Res Services.” Tomsguide.Com, Tom’s Guide, 15 Sept. 2025, www.tomsguide.com/entertainment/music-streaming/streaming-quality-everything-you-need-to-know-about-your-favorite-music-streamer. Introvert, Extrovert, Ambivert… Otrovert? “A Deeper Dive into Otrovert Traits.” Theothernessinstitute.Com, The Otherness Institute, www.othernessinstitute.com/in-other-words/a-deeper-dive-into-otrovert-traits/. Accessed 17 Sept. 2025. Burke, Olivia. “Expert Explains New ‘Otrovert’ Personality Type and It’s Very Different to Introverts or Extroverts.” LADbible.Com, LADbible, 12 Sept. 2025, www.ladbible.com/community/personality-type-otrovert-explained-dr-rami-kaminski-378511-20250912. Kaminski, Rami. “‘Otroverts’ and Why Nonconformists Often See What Others Can’t.” Bigthink.Com, Big Think, 2 July 2025, bigthink.com/big-think-books/otrovert/. Mendoza, Luis Felipe. “The Otrovert, New Personality Type Identified by Psychiatrists.” Colombia One, colombiaone.com, 16 Sept. 2025, colombiaone.com/2025/09/16/otrovert-new-personality/. Announcing the Launch of IntegrityCONNECT: “Integrity Announces IntegrityCONNECT, an All-in-One Technology Growth Engine for Agents and Agencies.” Integrity.Com, Integrity, 17 Sept. 2025, integrity.com/announcingintegrityconnect/. IntegrityCONNECT Agent Learning Center List of IntegrityCONNECT Training Webinars More Episodes Like This One: 5 Medicare Myths Your Clients May Believe CMS & HHS Expand ACA Catastrophic Coverage Enrollment Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder How Insurance Agents Can Use AI Tools Judge Grants Stay on Many 2025 ACA Final Rule Provisions The Survivor’s AEP Checklist 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:/

Put your insurance business on the map by creating Google Business Profile. Learn how to create a profile, optimize it, and reach larger audiences online. Listen for all this and more! Work with Ritter Insurance Marketing! Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet Field Notes for Agents – Communication, Productivity, & Business Resources Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo Tips for Becoming a Top Producing Insurance Agency What New Insurance Agents Need to Know References: “Get Listed on Google.” Google Business Profile, Google, https://business.google.com/us/business-profile/. Accessed 18 Aug. 2025. “Manage Your Service Areas for Service-Area & Hybrid Businesses.” Google Business Profile Help, Google, https://support.google.com/business/answer/9157481. Accessed 18 Aug. 2025. “Sign up for Business Profile.” Google Business Profile Help, Google, https://support.google.com/business/answer/10514137. Accessed 18 Aug. 2025. “Verify Your Business on Google.” Google Business Profile Help, Google, https://support.google.com/business/answer/7107242. Accessed 18 Aug. 2025. “Understand Your Business Profile Performance.” Google Business Profile Help, Google, https://support.google.com/business/answer/9918094. Accessed 18 Aug. 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.

Discover Ritter Insurance Marketing's resource hub for surviving AEP 2026! Make This Your Best AEP Yet! Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://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.

The Friday Five for September 12, 2025: Ritter Summit Takeaways Part 2 Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026 2026 Medicare & You Handbook Release Date for iOS, iPadOS, MacOS, and WatchOS 26 CMS & HHS Expand ACA Catastrophic Coverage Enrollment Ritter Summit Takeaways Part 2: Register for Ritter Insurance Marketing Summits Are Brokers Still in the Crosshairs? Policy and Market Updates for 2026: Watch the Webinar 2026 Medicare & You Handbook: Download Your Copy Release Date for iOS, iPadOS, MacOS, and WatchOS 26: Peters, Jay. “iOS 26 Is out on September 15th.” Theverge.Com, The Verge, 9 Sept. 2025, www.theverge.com/news/770784/apple-ios-26-release-date-liquid-glass. McAuliffe, Zachary. “I Was Right Yet Again: iOS 26 Is Coming Monday, Sept. 15.” Cnet.Com, CNET, 9 Sept. 2025, www.cnet.com/tech/services-and-software/i-was-right-yet-again-ios-26-is-coming-monday-sept-15/. Perry, Alex. “Apple iOS 26 Release Date: When You Can Download It.” Mashable.Com, Mashable, 9 Sept. 2025, mashable.com/article/apple-ios-26-release-date-how-to-download. Diaz, Maria. “iOS 26 Update Is Coming Soon - How to Download It (and Which iPhones Support It).” Zdnet.Com, ZDNET, 10 Sept. 2025, www.zdnet.com/article/ios-26-update-is-coming-soon-how-to-download-it-and-which-iphones-support-it/. Teague, Katie. “iOS 26: What to Know about the Free iPhone Software Update Arriving September 15.” Engadget.Com, Engadget, 11 Sept. 2025, www.engadget.com/mobile/ios-26-what-to-know-about-the-free-iphone-software-update-arriving-september-15-135749658.html. CMS & HHS Expand ACA Catastrophic Coverage Enrollment: August 22, 2025 Friday Five: Judge Vacates HHS MA Commissions Lawsuit “By the Numbers: House Bill Takes Health Coverage Away From Millions of People and Raises Families’ Health Care Costs.” Cbpp.Org, Center on Budget and Policy Priorities, www.cbpp.org/research/health/by-the-numbers-house-bill-takes-health-coverage-away-from-millions-of-people-and. Accessed 11 Sept. 2025. “CMS Broadens Access to Catastrophic Exchange Plans.” Modernhealthcare.Com, Modern Healthcare, 4 Sept. 2025, www.modernhealthcare.com/politics-regulation/mh-catastrophic-health-plans-open-enrollment-2026/. “Entities Approved to Use Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, 9 Aug. 2024, www.cms.gov/files/document/ede-approved-partner.pdf. Reed, Tina. “Exclusive: HHS to Expand Eligibility for Catastrophic Plans.” Axios.Com, Axios, 4 Sept. 2025, www.axios.com/2025/09/04/trump-hhs-expand-catastrophic-plan-eligibility. “Expanding Access to Health Insurance: Consumers to Gain Access to ‘Catastrophic’ Health Insurance Plans in 2026 Plan Year.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/newsroom/fact-sheets/expanding-access-health-insurance-consumers-gain-access-catastrophic-health-insurance-plans-2026. “Guidance on Hardship Exemptions for Individuals Ineligible for Advance Payment of the Premium Tax Credit or Cost-Sharing Reductions Due to Income, and Streamlining Exemption Pathways to Coverage.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/files/document/guidance-hardship-exemptions.pdf. “HHS Expands Access to Affordable Health Insurance.” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Sept. 2025, www.cms.gov/newsroom/press-releases/hhs-expands-access-affordable-health-insurance. “HHS Expands Access to Affordable Health Insurance.” HHS.Gov, U.S. Department of Health and Human Services, 4 Sept. 2025, www.hhs.gov/press-room/hhs-expands-access-affordable-catastrophic-health-coverage.html. Ortaliza, Jared, Matt McGough, Kaitlyn Vu, et al. “How Much and Why ACA Marketplace Premiums Are Going up in 2026.” Healthsystemtracker.Org, KFF, 6 Aug. 2025, www.healthsystemtracker.org/brief/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2026/. Minemyer, Paige. “Trump Administration Expands Access to ACA Catastrophic Plans.” Fiercehealthcare.Com, Fierce Healthcare, 4 Sept. 2025, www.fiercehealthcare.com/regulatory/trump-administration-expands-access-aca-catastrophic-plans. Resources: 2026 ACA & Medicare Cost Projections 3 Benefits of Selling ACA Insurance Plans 5 Medicare Myths Your Clients May Believe 2026 ACA Exchange & FFM Certification Info Judge Grants Stay on Many 2025 ACA Final Rule Provisions The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover The Survivor’s AEP Checklist Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and Y

AEP 2026 will be here before you know it. We’ve broken down the path to a successful Annual Enrollment Period in 5 steps, tap that play button to find out what they are! Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Certification Center on Ritter Docs Compliance Posts on the Ritter Blog Compliance Tab in Ritter Docs Get Registered with Ritter Insurance Marketing Integrity Technology Training Schedule Meet Your Sales Team at Ritter Insurance Marketing Miramar:Agent Pinpoint Global Ritter Events Calendar The Complete Guide on How to Sell Medicare Advantage Plans The Complete Guide on How to Sell Prescription Drug Plans The Ritter Agent Compliance Handbook References: “CMS 2025 Medicare Advantage and Part D Final Rule.” Federalregister.Gov, Centers for Medicare & Medicaid Services, www.federalregister.gov/documents/2024/04/23/2024-07105/medicare-program-changes-to-the-medicare-advantage-and-the-medicare-prescription-drug-benefit. Accessed 28 Aug. 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. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 28 Aug. 2025. “Part D Communication Requirements.” Federalregister.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 28 Aug. 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.

Discover the benefits to selling hospital indemnity plans! Download Your FREE Copy – The Insurance Agent’s Guide to Understanding Hospital Indemnity Policies Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://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.

Artificial intelligence can streamline and automate menial tasks for agents. In this episode find out the pros and cons of using AI for your insurance business. Read the text version Partner with Ritter Insurance Marketing! Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Ask Integrity Gen Z and Insurance Sales: The Perfect Match How to Recruit Agents to Your Downline Integrity Tools for Agents Introducing Integrity for Agencies: Innovate Your Downline Insurance Business Register with Ritter Insurance Marketing Tips for Becoming a Top Producing Insurance Agency References: “Siri.” Apple, https://www.apple.com/siri/. Accessed 6 Aug. 2025. “What Is Gemini and How It Works.” Gemini, https://gemini.google/overview/. Accessed 6 Aug. 2025. “Why Is Artificial Intelligence (AI) so Important?: CSU Global.” Colorado State University Global, 22 Apr. 2025, https://csuglobal.edu/blog/why-ai-important. 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.

This week, we tackle 5 Medicare myths that your clients may believe. Learn how to respectfully refute these myths, educate your clients, and empower them to make informed choices. The Content Library from Ritter Insurance Marketing 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Medicare Basics Resources on the Content Library*: How and When Can I Change Medicare Insurance Plans?* The Basics of Medicare Insurance* What is Original Medicare? * What is Medicare Part C (Advantage)? * What is Medicare Part D? * What are Medicare Supplements? * Additional Podcast Episodes & Resources: 5 Types of Content to Share on Social Media Apps for Content Creation Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder Introducing a Content Marketing Solution for Insurance Agents ft. Lisa Lynch and Jeff Snyder Medicare Advantage Trial Rights Explained for Agents What New Insurance Agents Need to Know What to Know When Replacing Existing Med Supp Plans for Clients 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/ *Requires RitterIM.com registration & login Not affiliated with or endorsed by Medicare or any government agency.

We’ve got updates* on the 2026 ACA Exchange, requirements, and training resources! *UPDATE: Since publishing this episode, 2026 FFM Certification has gone live. State-based trainings in Colorado, Georgia, Kentucky, Maryland, Pennsylvania, and Virginia are also live. Read the text version Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. List of State Exchange Websites Resources: Certification Center - Ritter Docs Everything Agents Need to Know About Selling in State-Based Marketplaces FREE eBook download The Complete Guide to Selling Affordable Care Act Insurance Plans How to Become Certified for ACA Marketplace Sales with FFM Training OEP Ready-to-Sell Checklist for New Agents Register with Ritter Insurance Marketing Simplify Marketplace Enrollment HealthSherpa References: “Brokers.” Marketplace Individual & Families, https://nystateofhealth.ny.gov/agent/. Accessed 12 Aug. 2025. “Brokers: Pennsylvania Health Insurance Exchange Authority.” PHIEA, https://agency.pennie.com/brokers/. Accessed 12 Aug. 2025. “FAQs for Marketplace Agents and Brokers.” Agent Broker FAQ CMS, https://www.agentbrokerfaq.cms.gov/s/article/What-is-the-Marketplace-Learning-Management-System-and-how-do-I-access-it. Accessed 12 Aug. 2025. “Find Affordable Health Insurance in Georgia.” Georgia Access, 8 Aug. 2025, https://georgiaaccess.gov/. “For Certified Brokers.” Connect for Health Colorado, 10 June 2025, https://connectforhealthco.com/for-certified-brokers/. “Home.” Maryland Health Connection, 5 Aug. 2025, https://www.marylandhealthconnection.gov/. “Official Site of the State of New Jersey.” GetCoveredNJ | Brokers & Agents, https://nj.gov/getcoverednj/home/assisters_ba.shtml. Accessed 12 Aug. 2025 “Registration and Training for Marketplace Agents and Brokers.” CMS.Gov, https://www.cms.gov/marketplace/agents-brokers/registration-training. Accessed 12 Aug. 2025. “Welcome to Kynect Health Coverage.” HealthCoverage, https://kynect.ky.gov/healthcoverage/s/?language=en_US. Accessed 12 Aug. 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.

The Friday Five for August 29, 2025: Ritter Summits Takeaways & Shoutouts What I’m Watching Right Now Apple “Awe Dropping” Event Announced Spotify Slips Into the DMs Judge Grants Stay on Many 2025 ACA Final Rule Provisions Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail. Ritter Summits Takeaways & Shoutouts: Register for Ritter Insurance Marketing Summits What I’m Watching Right Now: The Residence on Netflix Apple “Awe Dropping” Event Announced: Esposito, Filipe. “5 iPhone 17 Rumors Apple Basically Confirmed in Its ‘Awe Dropping’ Event Invite.” Macworld.Com, Macworld, 27 Aug. 2025, www.macworld.com/article/2889966/5-iphone-17-rumors-apple-just-confirmed-in-its-awe-dropping-event-invite.html. Lord, Sarah. “Apple’s ‘Awe Dropping’ iPhone 17 Event: What to Expect and How to Watch.” PCMAG.Com, PCMAG, 27 Aug. 2025, www.pcmag.com/news/apple-awe-dropping-iphone-17-event-what-to-expect-how-to-watch. Hall, Zac. “Apple Officially Announces iPhone 17 Event: ‘Awe Dropping.’” 9to5Mac.Com, 9to5Mac, 26 Aug. 2025, 9to5mac.com/2025/08/26/iphone-17-event-announcement-2/. Carlson, Jeff. “Deciphering Apple’s ‘Awe Dropping’ iPhone 17 Event Invite.” CNET.Com, CNET, 27 Aug. 2025, www.cnet.com/tech/deciphering-apples-awe-dropping-iphone-17-event-invite/. Hardwick, Tim. “What Not to Expect at Apple’s ‘Awe Dropping’ September 9 Event.” MacRumors.Com, MacRumors, 28 Aug. 2025, www.macrumors.com/2025/08/28/what-not-to-expect-apple-iphone-17-event/. Spotify Slips Into the DMs: “Introducing Messages, A New Way To Share What You Love on Spotify with Friends and Family.” Newsroom.Spotify.Com, Spotify, 26 Aug. 2025, newsroom.spotify.com/2025-08-26/introducing-messages-a-new-way-to-share-what-you-love-on-spotify-with-friends-and-family/. Schneider, Marc. “Spotify’s DMS Are Open.” Billboard.Com, Billboard, 26 Aug. 2025, www.billboard.com/pro/spotify-messages-app-sharing-dms-feature/. Weatherbed, Jess. “Spotify Is Adding DMS.” TheVerge.Com, The Verge, 26 Aug. 2025, https://www.theverge.com/news/765771/spotify-messages-dms-audio-sharing-feature. Spangler, Todd. “Spotify Launches In-App Messaging, Hoping New DM Feature Will Boost Listening and ‘Drive Hype.’” Variety.Com, Variety, 26 Aug. 2025, variety.com/2025/digital/news/spotify-launches-in-app-messaging-1236497588/. Judge Grants Stay on Many 2025 ACA Final Rule Provisions: Hurson, Brendan A. “City of Columbus Et Al. vs. Robert F. Kennedy, Jr. Et Al.” Democracyforward.Org, Democracy Forward, 22 Aug. 2025, democracyforward.org/wp-content/uploads/2025/08/35-City-of-Columbus-memorandum-opinion.pdf. Minemyer, Paige. “Courts Press Pause on Key Elements of Trump Administration’s ACA Rule.” Fiercehealthcare.Com, Fierce Healthcare, 25 Aug. 2025, www.fiercehealthcare.com/regulatory/courts-press-pause-key-elements-trump-administrations-aca-rule. Bruner, Bethany. “Federal Judge Halts Implementation of Health Insurance Changes in Lawsuit Columbus Filed.” Dispatch.Com, The Columbus Dispatch, 25 Aug. 2025, www.dispatch.com/story/news/courts/2025/08/22/federal-judge-halts-trump-administration-health-insurance-rules-columbus-ohio-lawsuit-aca-obamacare/85782252007/. “Healthcare.Gov’s Marketplace in Your State.” HealthCare.Gov, HealthCare.gov, www.healthcare.gov/marketplace-in-your-state/. Accessed 28 Aug. 2025. Pifer, Rebecca. “Judge Stays Provisions of Trump Administration Rule Overhauling ACA.” Healthcare Dive, healthcaredive.com, 25 Aug. 2025, www.healthcaredive.com/news/trump-affordable-care-act-rule-stay-cms/758474/. Clason, Lauren. “RFK Jr.’s Obamacare Changes Partially Paused by Federal Judge.” Bloomberglaw.Com, Bloomberg Law, 22 Aug. 2025, news.bloomberglaw.com/health-law-and-business/rfk-jr-s-obamacare-changes-partially-paused-by-federal-judge. Oeschner, Troy, et al. “What’s at Stake in California v. Kennedy?” Rockinst.Org, Rockefeller Institute of Government, 22 Aug. 2025, www.rockinst.org/blog/whats-at-stake-in-california-v-kennedy/. Resources: 3 Benefits of Selling ACA Insurance Plans 5 Things About ICHRA 2026 ACA & Medicare Cost Projections ACA Enrollment Periods Explained Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover 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 end

We're back with another update on Ritter's Content Library - Mastering Medicare Insurance Coverage! This time, Sarah and Jeff chat about how this content can help agents educate clients about the ins and outs of their Medicare coverage. 📚Browse Ritter Insurance Marketing’s Content Library for Insurance Agents 🤝Register with Ritter Insurance Marketing Resources: 5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd 5 Types of Content to Share on Social Media Field Notes on Partner Marketing Resources Field Notes on Digital Marketing Resources Field Notes on Traditional Marketing Resources How Relationship Marketing Can Make the Difference in Your Agency Introducing a Content Marketing Solution for Insurance Agents Learning to Delight in the Limelight ft. Linda Ugelow Reach out to Ritter’s Compliance Team 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 [email protected] or call 1-717-562-7211 and leave a voicemail.

Selling Affordable Care Act Insurance plans can be a lucrative addition to your business! Register with Ritter Insurance Marketing Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 6 Ways to Generate ACA Leads 2026 ACA Exchange & FFM Certification Info ACA Enrollment Periods Explained Agent Requirements for ACA Sales Everything Agents Need to Know About Selling in State-Based Marketplaces How to Become Certified for ACA Marketplace Sales with Federally Facilitated Marketplace (FFM) Training Operating From a People-First Mentality ft. Scott Zimmerman The Complete Guide to Selling Affordable Care Act Plans – FREE eBook Download What is the Health Insurance Marketplace? References: “5 Steps to Start Selling Marketplace Health & Dental Plans.” HealthCare.Gov, https://www.healthcare.gov/agent-broker-quick-start/. Accessed 5 Aug. 2025. “Low Cost Marketplace Health Care, Qualifying Income Levels.” HealthCare.Gov, https://www.healthcare.gov/lower-costs/. Accessed 5 Aug. 2025. “Marketplace Enrollment, 2014-2025.” KFF, 8 July 2025, https://www.kff.org/affordable-care-act/state-indicator/marketplace-enrollment/. “New Agents’ and Brokers’ Guide to Plan Year 2025 Marketplace Registration and Training.” Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/new-agents-and-brokers-guide-marketplace-registration-and-training.pdf. Accessed 5 Aug. 2025. “Over 24 Million Consumers Selected Affordable Health Coverage in ACA Marketplace for 2025.” CMS.Gov, https://www.cms.gov/newsroom/press-releases/over-24-million-consumers-selected-affordable-health-coverage-aca-marketplace-2025. Accessed 5 Aug. 2025. “Registration and Training for Marketplace Agents and Brokers.” CMS.Gov, https://www.cms.gov/marketplace/agents-brokers/registration-training. Accessed 5 Aug. 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.