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

Keep track of your AEP prep to-do checklist with help from Ritter's certification center and Ritter Blog weekly roundups. Listen to find out how to access carrier AHIP, NABIP, MA and PDP certification, product training details, and more! Resources: eBooks & Guides for Insurance Agents: https://ritterim.com/guides/ FAQs About NABIP Medicare Certification: https://ritterim.com/blog/faqs-about-nabip-medicare-certification/ Ritter Insurance Marketing Certification Center: https://docs.ritterim.com/products/certification/ What Is AHIP Certification and How Do I Get It? https://lnk.to/asg672 References: “Medicare Advantage Certification.” NABIP.Org, NABIP, www.nabiptraining.org/nabip/medicare. Accessed 30 May 2025. “Medicare + Fraud, Waste, and Abuse Training.” Ahip.Org, AHIP, www.ahip.org/courses/medicare-fraud-waste-and-abuse-training. Accessed 30 May 2025. “Miramar:Agent.” Miramar-Agent.Com, Miramar, miramar-agent.com/KnowledgeBase/Article?kb=5. Accessed 30 May 2025. “Medicare Certification System.” Pinpointglobal.Com, Pinpoint Global, www.pinpointglobal.com/medicare-certification-system. Accessed 30 May 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

Certification season is here! Learn more about the AHIP test including how to prepare yourself, tips, tech hacks, and more. Listen before you begin your first attempt, you'll be glad you did! Read the text version Have questions about AHIP Certification? Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Contact Ritter Insurance Marketing: https://ritterim.com/contact/ How to Survive AEP: Wellness Tips for Insurance Agents: https://ritterim.com/blog/how-to-survive-aep-wellness-tips-for-insurance-agents/ Medicare Part D - Could Be Just What the Doctor Ordered: https://ritterim.com/blog/medicare-part-d-could-be-just-what-the-doctor-ordered/ What Does 'Ready-to-Sell' Mean for Medicare Agents? https://ritterim.com/blog/what-does-ready-to-sell-mean-for-medicare-agents/ What Is AHIP Certification and How Do I Get It? https://lnk.to/asg672 Why Insurance Agents Fail (& How Not To!): https://ritterim.com/blog/why-insurance-agents-fail-how-not-to/ Why You Need to Make Time for Medicare Agent Training: https://ritterim.com/blog/why-you-need-to-make-time-for-medicare-training-and-where-to-find-great-resources/ References: Oppido, Luigi. “How to Connect a Laptop to a Monitor.” wikiHow.Com, wikiHow, 20 Apr. 2025, www.wikihow.com/Connect-a-Laptop-to-a-Monitor. “Positive Thinking: Stop Negative Self-Talk to Reduce Stress.” Mymlc.Com, Mosaic Life Care, www.mymlc.com/health-information/articles/p/positive-thinking-stop-negative-self-talk-to-reduce-stress/. Accessed 29 May 2025. “The Impact of Stress on Our Health: How Can We Manage Stress in a Healthy Way?” Insightspsychology.Org, Insights Psychology, 28 Oct. 2024, insightspsychology.org/impact-of-stress-on-health-healthy-stress-management/. 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.

Sarah reflects on the insurance licensing process one year after passing the exam. Listen as she outlines her journey, how to get started, and what she learned along the way. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: Adding Spokes to Your Wheel ft. Robert Rothschild: https://lnk.to/rothschild2025 FMO vs. IMO vs. NMO vs. MGA vs. GA: What’s the Difference? https://lnk.to/asg658 Making Your Own Luck ft. Michael Krantz: https://lnk.to/krantz2025 Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025 Summer 2025 Survival Guide: https://lnk.to/asgf20250606 What is AHIP Certification and How Do I Get It? https://lnk.to/asg672 References: “Insurance Departments by State.” Content.Naic.Org, NAIC, content.naic.org/state-insurance-departments. Accessed 10 June 2025. “Multiple Choice Test Taking Strategies.” Dmu.Edu, Des Moines University, www.dmu.edu/wp-content/uploads/MULTIPLE-CHOICE-TEST-TAKING-STRATEGIES.pdf. Accessed 10 June 2025. “NAIC - National Association of Insurance Commissioners.” Naic.Org, NAIC, content.naic.org/. Accessed 10 June 2025. “NIPR - National Insurance Producer Registry.” Nipr.Com, National Insurance Producer Registry, nipr.com/. Accessed 10 June 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.

Thinking about becoming an insurance agent? In this episode, we weigh the pros and cons of selling insurance, so you’ll have the information you need before you make that big decision! Read the text version Get Started by Registering with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/ Learn More with These Resources: 2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D Update: https://lnk.to/dFX1s1 2025 State of the Senior Market Address: In Review: https://ritterim.com/blog/2025-state-of-the-senior-market-address-in-review/ 5 Perks of Being a Part-Time Insurance Agent: https://lnk.to/YGJ3KX Agent Survival Guide Podcast: https://lnk.to/asgpodcast Building Client Loyalty: More than Just a Plan: https://ritterim.com/blog/building-client-loyalty-more-than-just-a-plan/ Contact the Ritter Sales Team: https://ritterim.com/contact/ Four Reasons Why Ritter Should Be Your FMO Insurance Agency: https://ritterim.com/blog/four-reasons-why-ritter-should-be-your-fmo-insurance-agency/ Get Access to Exclusive Leads When You Become a PlanEnroll Network Agent: https://lnk.to/3pKJsF How Insurance FMOs Work: https://ritterim.com/how-insurance-fmos-work/?utm_source=asg_podcast_link How Much Can Agents Make Selling Under-65 Insurance? https://lnk.to/TlGBGH How Much Can Insurance Agents Make Selling Medicare? https://ritterim.com/blog/how-much-can-insurance-agents-make-selling-medicare/ How Professional Organizations Make You a Better Agent: https://ritterim.com/blog/how-professional-organizations-make-you-a-better-agent/ REWIND: 8 Relationship Marketing Strategies for Insurance Agents: https://lnk.to/9b3cTl Ritter Insurance Marketing eBooks & Guides: https://ritterim.com/guides/ Ritter Insurance Marketing Events: https://ritterim.com/events/ The Advantages of Being a Field vs. Call Center Insurance Agent: https://ritterim.com/blog/the-advantages-of-being-a-field-vs-call-center-insurance-agent/ The Guide to Earning a Living Selling Health Insurance: https://ritterim.com/earning-a-living-selling-insurance/?utm_source=asg_podcast_link Your Step-By-Step Guide to Getting Started in Insurance Sales: https://ritterim.com/free-guide/?utm_source=asg_podcast_link References: Cubanski, Juleette. “A Current Snapshot of the Medicare Part D Prescription Drug Benefit.” KFF.Org, KFF, 9 Oct. 2024, www.kff.org/medicare/issue-brief/a-current-snapshot-of-the-medicare-part-d-prescription-drug-benefit/. “Marketplace 2025 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 17 Jan. 2025, www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-2. Rosanes, Mark. “Want to Build a Career Selling Insurance? Here Are the Pros and Cons.” Insurance Business America, Insurance Business, 22 Jan. 2024, www.insurancebusinessmag.com/us/guides/want-to-build-a-career-selling-insurance-here-are-the-pros-and-cons-473774.aspx. 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.

Value is more than just a care model for Neil Reich. He recently joined Sarah to chat about his background in the Medicare Advantage space, his focus on value-based care, and how providing value still drives his business today. Find Neil Reich Online: Care Connect Agency: https://careconnectagency.com/advisors/ Get the Playbook: https://careconnectadvisors.com/agent-playbook-download-form/ LinkedIn: https://www.linkedin.com/in/neil-reich-3382498 Register with 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

The Friday Five for June 13, 2025: Field Notes 6.13.2025 Apple Renames OS Versions Apple Liquid Glass Apple iPad Windowing New Apple Features: Sarah’s Picks Register for the ICHRA Introduction Webinar from Ritter & Nexben Field Notes for June 13, 2025: “AHIP Medicare + Fraud, Waste, and Abuse Online Course.” Ahipmedicaretraining.Com, AHIP, www.ahipmedicaretraining.com/page/login. Accessed 10 June 2025. ICHRA Webinar Information & Registration: https://events.teams.microsoft.com/event/20edcbcf-3b83-4971-8e26-b1c7854a8180@70dbad32-6e58-4114-88e8-84f5666158df “NABIP Medicare Advantage Certification.” NABIP.Org, NABIP, www.nabiptraining.org/nabip/medicare. Accessed 10 June 2025. Register for Ritter Insurance Marketing Summits: https://summits.ritterim.com/ Apple Renames OS Versions: Shibu, Sherin, and Melissa Malamut. “Apple Is Making a Major Change to Its Operating Systems Across All Products. Here’s What We Know.” Entrepreneur.Com, Entrepreneur, 29 May 2025, www.entrepreneur.com/business-news/apple-is-renaming-its-operating-systems-for-iphone-ipad/492439. Mendes, Marcus. “Apple’s New OS Naming Could Make ‘iPhone 17’ Sound Even Weirder.” 9to5Mac.Com, 9to5Mac, 28 May 2025, 9to5mac.com/2025/05/28/apples-new-os-naming-vs-iphone-17/. Preston, Dominic. “Apple Renames Its Operating Systems.” Theverge.Com, The Verge, 9 June 2025, www.theverge.com/news/679221/apple-ios-macos-watchos-ipados-26-name. Apple Liquid Glass: Peters, Jay. “Apple’s Liquid Glass Was a Wild Change to My iPhone.” Theverge.Com, The Verge, 10 June 2025, www.theverge.com/apple/683914/apple-iphone-ios-26-changes-liquid-glass. Mickle, Tripp, and Brian X. Chen. “Apple’s New Software Focuses on Design Aesthetics Over A.I.” Nytimes.Com, New York Times, 9 June 2025, www.nytimes.com/2025/06/09/technology/apple-wwdc-ios-26.html. Perez, Sarah. “Apple Redesigns Its Operating Systems with ‘Liquid Glass’ at WWDC 25.” TechCrunch.Com, TechCrunch, 9 June 2025, techcrunch.com/2025/06/09/apple-redesigns-its-operating-systems-with-liquid-glass/. Lovejoy, Ben. “Here’s a Closer Look at the Liquid Glass Design in iOS 26 on the iPhone.” 9to5Mac.Com, 9to5Mac, 10 June 2025, 9to5mac.com/2025/06/10/heres-a-closer-look-at-the-liquid-glass-design-in-ios-26-on-the-iphone/. Apple iPad Windowing: Shanklin, Will. “Apple’s Walled Garden Is the iPad’s Biggest Roadblock to Becoming a Mac.” Engadget.Com, Engadget, 9 June 2025, www.engadget.com/mobile/tablets/apples-walled-garden-is-the-ipads-biggest-roadblock-to-becoming-a-mac-223014619.html. “iPadOS 26 Introduces Powerful New Features That Push the Capabilities and Versatility of iPad Even Further.” Apple.Com, Apple, 10 June 2025, www.apple.com/newsroom/2025/06/ipados-26-introduces-powerful-new-features-that-push-ipad-even-further/. Christoffel, Ryan. “PSA: iPadOS 26 Removes Split View and Slide Over Multitasking Features.” 9to5Mac.Com, 9to5Mac, 9 June 2025, 9to5mac.com/2025/06/09/psa-ipados-26-removes-split-view-and-slide-over-multitasking-features/. New Apple Features (Sarah’s Picks): “Apple Elevates the iPhone Experience with iOS 26.” Apple.Com, Apple, 10 June 2025, www.apple.com/newsroom/2025/06/apple-elevates-the-iphone-experience-with-ios-26/. “Apple finally brings Journal to iPad & Mac for better writing, sketching & reflection” appleinsider.com, Apple Insider, 9 June 2025, https://appleinsider.com/articles/25/06/09/apple-finally-brings-journal-to-ipad-for-better-writing-sketching-reflection. Malik, Aisha. “Apple Unveils watchOS 26 with New Design, Wrist-Flick Gesture, and AI Workout Buddy Feature.” Techcrunch.Com, TechCrunch, 9 June 2025, techcrunch.com/2025/06/09/apple-unveils-watchos-26-with-new-design-wrist-flick-gesture-and-ai-workout-buddy-feature/. “Journal App Finally Coming to Mac and iPad.” Macrumors.com, MacRumors, 9 June 2025, https://www.macrumors.com/2025/06/09/journal-app-finally-coming-to-mac-and-ipad/. “watchOS 26 Delivers More Personalized Ways to Stay Active, Healthy, and Connected.” Apple.Com, Apple, 10 June 2025, www.apple.com/newsroom/2025/06/watchos-26-delivers-more-personalized-ways-to-stay-active-and-connected/. 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.

Be sure your clients are aware of their dental, vision, and hearing coverage options. We outline 4 steps to help you educate clients and pitch products! Read the text version Resources: 3 Additional Effective Techniques for Closing Insurance Sales: https://lnk.to/asg656 4 Ancillary Cross-Sales to Show Clients You Care: https://lnk.to/asg670 4 Ways Insurance Agents Should Be Utilizing Ask Integrity: https://ritterim.com/blog/4-ways-insurance-agents-should-be-utilizing-ask-integrity/ A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://ritterim.com/selling-ancillary-with-medicare/ Building Client Loyalty: More than Just a Plan: https://ritterim.com/blog/building-client-loyalty-more-than-just-a-plan/ Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025 Register with Ritter Insurance Marketing! References: “The Importance of Eye Care and Annual Exams – Tapestry 360 Health.” Tap360Health.Org, Tapestry 360 Health, https://tap360health.org/the-importance-of-eye-care-and-annual-exams/. Accessed 15 May 2025. “Why Dental Care Is Important for Your Overall Health.” Hospital.Uillinois.Edu, UI Health - UIC - Mile Square Health Center, https://hospital.uillinois.edu/mile-square-health-center/patient-resources/blog-and-news/dental-health-is-important. Accessed 15 May 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

This week, Sarah unpacks all kinds of content to help you and your clients survive Summer 2025! Field Notes: Malik, Aisha. “Adobe Launches Beta Version of Its Photoshop App on Android.” Techcrunch.Com, TechCrunch, 3 June 2025, techcrunch.com/2025/06/03/adobe-launches-beta-version-of-its-photoshop-app-on-android/. “AHIP Medicare + Fraud, Waste, and Abuse Online Course.” Ahipmedicaretraining.Com, AHIP, www.ahipmedicaretraining.com/page/login. Accessed 3 June 2025. “NABIP Medicare Advantage Certification.” NABIP.Org, NABIP, www.nabiptraining.org/nabip/medicare. Accessed 3 June 2025. Register for Ritter Insurance Marketing Summits: https://summits.ritterim.com/ Summer Podcast Listening for Kids: Kids Summer Podcast Sampler Playlist: https://www.podchaser.com/lists/summer-kids-podcast-sampler-11SKLQjpO2 Shippen, Lauren. “Maxine Miles and the Loose Ends - An Interactive Mystery!” Atypicalartists.Co, ATYPICAL ARTISTS, www.atypicalartists.co/loose-ends. Accessed 4 June 2025. Shippen, Lauren. “Maxine Miles - A YA Mystery Fiction Podcast.” Atypicalartists.Co, Atypical Artists, www.atypicalartists.co/maxine. Accessed 4 June 2025. “Summer Listening Challenge: Listen to a Summer of Stories!” Jonincharacter.Com, Jonathan Cormur, 20 May 2025, jonincharacter.com/summer-listening/. Summer Reading Challenges & Recommendations: “Barnes & Noble Summer Reading Program.” Barnesandnobleinc.Com, Barnes & Noble Inc, www.barnesandnobleinc.com/our-stores-communities/summer-reading-program/. Accessed 4 June 2025. “Beanstack Mobile App.” Landing.Beanstack.Com, Beanstack, landing.beanstack.com/mobile-app. Accessed 4 June 2025. “Fun Summer Reading Challenges for Kids.” Scholastic.Com, Scholastic, 29 May 2025, www.scholastic.com/parents/books-and-reading/raise-a-reader-blog/reading-challenges-kids.html. “Hot Ones: Readers’ 80 Most Anticipated New Summer Books.” Goodreads.Com, Goodreads, www.goodreads.com/blog/show/2922. Accessed 4 June 2025. “Pizza Hut Book It!® Program.” Bookitprogram.Com, Pizza Hut, www.bookitprogram.com/. Accessed 4 June 2025. Maxine Miles: https://lnk.to/maxinemilespod “Pizza Hut Debuts First-Ever BOOK IT!® App.” Blog.Pizzahut.Com, Pizza Hut, 27 May 2025, blog.pizzahut.com/pizza-hut-debuts-first-ever-book-it-app/. “Scholastic Summer Reading.” Scholastic.Com, Scholastic, www.scholastic.com/site/summer-reading.html. Accessed 4 June 2025. Vance, Usha. “Summer Reading Challenge.” Whitehouse.Gov, The White House, 2 June 2025, www.whitehouse.gov/read/. Diamond, Anna. “Summer Reading Challenges Aren’t Just for Kids.” Nytimes.Com, New York Times, 30 May 2025, www.nytimes.com/2025/05/30/books/summer-reading-adults.html. NYT Staff. “The New York Times’s Summer Reading Bucket List.” Nytimes.Com, New York Times, 30 May 2025, www.nytimes.com/2025/05/30/books/summer-reading-bucket-list.html. “The Ultimate Middle School Summer Reading List.” Scholastic.Com, Scholastic, www.scholastic.com/parents/books-and-reading/book-lists-and-recommendations/summer-reading-list-for-middle-school.html. Accessed 4 June 2025. Staying Hydrated During Summer: “6 Refreshing Summer Drinks You Can Make at Home​.” Economictimes.Indiatimes.Com, The Economic Times, economictimes.indiatimes.com/news/india/6-refreshing-summer-drinks-you-can-make-at-home/classic-lemonade/slideshow/121248292.cms. Accessed 4 June 2025. DeAngelis, Danielle. “9 Drinks to Keep You Healthy & Hydrated This Summer.” Eatingwell.Com, EatingWell, 11 June 2024, www.eatingwell.com/drinks-to-keep-healthy-hydrated-this-summer-8661651. Walsh, Karla. “10 Ways Your Body Changes When You’re Drinking Enough Water.” Allrecipes.Com, Allrecipes, www.allrecipes.com/article/drinking-enough-water/. Accessed 4 June 2025. Joshi, Priyankaa. “13 Best Electrolyte Drinks to Keep You Hydrated This Summer, Approved by Nutritionists.” Goodhousekeeping.Com, Good Housekeeping. www.goodhousekeeping.com/uk/product-reviews/health-leisure/g60319999/best-electrolyte-powders-drinks/. Accessed 4 June 2025. Wimberly, Camryn Alexa. “23 Drinks to Keep You Healthy & Hydrated This Summer.” Eatingwell.Com, EatingWell, 1 June 2025, www.eatingwell.com/drink-recipes-to-keep-you-hydrated-this-summer-2025-11745692. Biggs, Suzanne. “How to Make Electrolyte Water (Plus Easy Recipes to Try at Home).” Lifemd.Com, LifeMD, 19 Nov. 2024, lifemd.com/learn/how-to-make-electrolyte-water. Killeen, Breana Lai. “Spinach-Apple Juice Recipe.” Eatingwell.Com, Eating Well, 18 Apr. 2024, www.eatingwell.com/recipe/250846/spinach-apple-juice/. Capritto, Amanda, and Nasha Addarich Martinez. “Summer Hydration: Your Daily Water Requirements Guide.” Cnet.Com, CNET, 31 May 2025, www.cnet.com/health/medical/summer-hydration-daily-water-requirements/. Kumer, Emma B. “The Best and Worst Drinks to Keep You Hydrated.” Tasteofhome.Com, Taste of Home, 11 Jan. 2025, www.tasteofhome.com/article/best-and-worst-hydrating-drinks-ranked/. “There’s More To Staying Hydrated Than Just Drinking Water.” Delish.Com, Delish, www.delish.com/food-news/a61624

Wondering what the difference between Medicare and Medicaid is? Learn all about it in this episode! Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 4 Effective Techniques for Closing Insurance Sales: https://lnk.to/asg655 2025 Maximum Broker Commissions for Medicare Advantage & Medicare Part D: https://ritterim.com/blog/2025-maximum-broker-commissions-for-medicare-advantage-and-medicare-part-d/ FREE DOWNLOAD – The Guide to Earning a Living Selling Health Insurance: https://ritterim.com/earning-a-living-selling-insurance/ How Much Can Agents Make Selling Under-65 Insurance? https://lnk.to/TlGBGH Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025 Ritter Insurance Marketing: https://ritterim.com/ Start Working with Ritter Today! References: Alice Burns, Elizabeth Hinton. “10 Things to Know about Medicaid.” KFF, 10 Apr. 2025, https://www.kff.org/medicaid/issue-brief/10-things-to-know-about-medicaid/. Nall, Rachel. “Am I Eligible for Medicare Part D?” Medicalnewstoday.com, Medical News Today, 21 Apr. 2020, https://www.medicalnewstoday.com/articles/am-i-eligible-for-medicare-part-d. “Compare Original Medicare & Medicare Advantage.” Medicare.Gov, https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/your-coverage-options/compare-original-medicare-medicare-advantage. Accessed 15 May 2025. (DCD), Digital Communications Division. “What’s the Difference between Medicare and Medicaid?” HHS.Gov, U.S. Department of Health and Human Services, 7 Dec. 2022, https://www.hhs.gov/answers/medicare-and-medicaid/what-is-the-difference-between-medicare-medicaid/index.html. “Does Medicaid Cover Dental Care?” HHS.Gov, U.S. Department of Health and Human Services, 8 Dec. 2022, https://www.hhs.gov/answers/medicare-and-medicaid/does-medicaid-cover-dental-care/index.html. “Medicare Adult Dental Benefits Coverage by State.” Chcs.org, Center for Health Care Strategies, Inc., Sept. 2019, https://www.chcs.org/media/Medicaid-Adult-Dental-Benefits-Overview-Appendix_091519.pdf “What’s the Difference between Medicare Part a and Part B?” Healthline, 25 Feb. 2020, https://www.healthline.com/health/medicare/medicare-part-a-vs-b. ‌”Understanding Medicare Advantage Plans.” Medicare.gov, Feb. 2025, https://www.medicare.gov/publications/12026-understanding-medicare-advantage-plans.pdf 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 AHIP requirements, how certification works for insurance agents, and more! Don't stress - we've got plenty of tips to help you survive certification and the start of AEP prep season. Read the text version Resources: 5 Things from the CMS 2026 MA and Part D Final Rule: https://lnk.to/asgf20250502 Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025 Register with Ritter: https://app.ritterim.com/public/registration/ Ritter Insurance Marketing Certification Center: https://docs.ritterim.com/products/certification/ References: “AHIP Corporate Partnerships.” Ahip.Org, AHIP, www.ahip.org/corporate-partnerships. Accessed 12 May 2025. “Medicare + Fraud, Waste, and Abuse Training.” Ahip.Org, AHIP, www.ahip.org/courses/medicare-fraud-waste-and-abuse-training. Accessed 12 May 2025. “AHIP Member Organization.” Ahip.Org, AHIP, www.ahip.org/members. Accessed 12 May 2025. “AHIP Official Website.” Ahip.Org, AHIP, www.ahip.org/. Accessed 12 May 2025. “AHIP Unveils Refreshed Brand, Updated Mission to Improve Health Care for All Americans.” Ahip.Org, AHIP, www.ahip.org/news/press-releases/ahip-unveils-refreshed-brand-updated-mission-to-improve-health-care-for-all-americans. Accessed 12 May 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

The Friday Five for May 30, 2025: Field Notes for This Week Helpful Keyboard Shortcuts Mozilla Pocket Alternatives YouTube Adds Top Podcasts Chart How to Avoid Using Elderspeak Field Notes: “AHIP Medicare + Fraud, Waste, and Abuse Online Course.” Ahipmedicaretraining.Com, AHIP, www.ahipmedicaretraining.com/page/login. Accessed 28 May 2025. “NABIP Medicare Advantage Certification.” NABIP.Org, NABIP, www.nabiptraining.org/nabip/medicare. Accessed 28 May 2025. Register for Ritter Insurance Marketing Summits: https://summits.ritterim.com/ Helpful Keyboard Shortcuts: Wawro, Alex. “9 MacBook Keyboard Shortcuts You Need to Know First.” Tomsguide.Com, Tom’s Guide, 20 Apr. 2025, www.tomsguide.com/computing/macos/9-macbook-keyboard-shortcuts-you-need-to-know-first. Kasiya, Chifundo. “12 Windows Key Shortcuts I Use Every Day.” Howtogeek.Com, How-To Geek, 23 Feb. 2025, www.howtogeek.com/windows-key-shortcuts-i-use-every-day/. Brookes, Tim. “13 Mac Keyboard Shortcuts I Couldn’t Live Without.” Howtogeek.Com, How-To Geek, 10 Apr. 2025, www.howtogeek.com/mac-keyboard-shortcuts-i-couldnt-live-without/. “Mac Split Screen: How to Chop Your Screen in Half for Multitasking.” Cnet.Com, CNET, 3 Feb. 2025, www.cnet.com/tech/services-and-software/mac-split-screen-how-to-chop-your-screen-in-half-for-multitasking/. Aamoth, Doug. “These 10 Windows 11 Keyboard Shortcuts Will Boost Your Productivity.” Fastcompany.Com, Fast Company, 27 May 2025, www.fastcompany.com/91337250/best-windows-11-keyboard-shortcuts. Fisher, Tim. “Windows Keyboard Shortcuts to Know in 2025.” Lifewire.Com, Lifewire, 14 Jan. 2025, www.lifewire.com/best-windows-keyboard-shortcuts-6503973. Mozilla Pocket Alternatives: Reddy, Ramesh. “6 Best Pocket Alternatives to Save and Read Articles Later [2025].” Techpp.Com, TechPP, 24 May 2025, techpp.com/2025/05/24/best-pocket-alternatives/. Manuel, Beatrice. “Best Read-It-Later Apps in 2025: Top Ways to Save Web Pages & Content.” Edited by Samuel Chapman and Eugenie Tiu, Cloudwards.Net, Cloudwards, 16 May 2025, www.cloudwards.net/best-read-it-later-apps/. Instapaper: https://instapaper.com/ Matter: https://hq.getmatter.com/ Blake, Alex. “Mozilla Is Shutting down Pocket – Here Are the 3 Best Bookmarking Alternatives.” TechRadar, techradar.com, 23 May 2025, www.techradar.com/computing/websites-apps/mozilla-is-shutting-down-pocket-here-are-the-3-best-bookmarking-alternatives. Delima, David. “Mozilla’s Pocket Shuts down in July: Try These Four Pocket Alternatives.” Gadgets360.Com, Gadgets 360, 24 May 2025, www.gadgets360.com/apps/features/mozilla-pocket-shutdown-alternatives-bookmarks-app-8497286. Krasnoff, Barbara. “Pocket Alternatives for Bookmarking Your Content.” Theverge.Com, The Verge, 23 May 2025, www.theverge.com/22927750/bookmarks-pocket-firefox-instapaper-raindrop. Raindrop.io: https://raindrop.io/ Mehta, Ivan, and Sarah Perez. “Read-It-Later App Pocket Is Shutting down - Here Are the Best Alternatives.” Techcrunch.Com, TechCrunch, 27 May 2025, techcrunch.com/2025/05/27/read-it-later-app-pocket-is-shutting-down-here-are-the-best-alternatives/. Peckham, James. “Read-It-Later Pocket App Will Shut down on July 8.” Pcmag.Com, PCMAG, 23 May 2025, www.pcmag.com/news/pocket-shut-down-the-read-it-later-app-will-close-on-july-8. Pot, Justin. “The 4 Best Read It Later Apps.” Zapier.Com, Zapier, 15 Aug. 2024, zapier.com/blog/best-bookmaking-read-it-later-app/. YouTube Adds Top Podcasts Chart: “Apple Podcast Charts.” Podcasts.Apple.Com, Apple, podcasts.apple.com/us/charts. Accessed 28 May 2025. “Spotify Podcast Charts.” Podcastcharts.Byspotify.Com, Spotify, podcastcharts.byspotify.com/. Accessed 28 May 2025. “YouTube Podcast Charts.” Charts.Youtube.Com, YouTube, charts.youtube.com/podcasts. Accessed 28 May 2025. How to Avoid Using Elderspeak: Senior Speak: Talking to Medicare Clients Age 65 & Older: https://ritterim.com/blog/senior-speak-talking-to-medicare-clients-age-65-and-older/ Shaw, Clarissa A., et al. “The Iowa Coding Scheme for Elderspeak: Development and Validation.” Academic.Oup.Com, Oxford Academic, 4 Mar. 2025, academic.oup.com/gerontologist/article/65/6/gnaf093/8051882. Span, Paula. “Honey, Sweetie, Dearie: The Perils of Elderspeak.” Nytimes.Com, The New York Times, 3 May 2025, www.nytimes.com/2025/05/03/health/elderly-treatment-aides.html. Rueppel Recommends: Ridgely, Charlie. “Everything Coming to Netflix, Disney+, Max & Other Streaming Services in June 2025.” ComicBook.Com, Comic Book, 26 May 2025, comicbook.com/movies/news/new-streaming-movies-tv-june-2025-netflix-disney-hbo-services/. Resources: 4 Ancillary Cross-Sales to Show Clients You Care: https://lnk.to/asg670 Apps for Comparing Healthcare & Prescriptions: https://lnk.to/ASGA85 Community Engagement & ACA Marketing Suggestions for Agents: https://lnk.to/ASG665 Reassuring Your Clients During Difficult Times: https://lnk.to/asg671 Takeaways on Social Media Marketing in 2025: https://lnk.to/asgf20250523 Follow Us on Social! Ritter on Facebook

How are your clients doing right now? Have you reached out? Have they? If you’re not sure what to say or where to start, we’ve got some easy-to-implement suggestions in this episode. Resources: 3 Additional Effective Techniques for Closing Insurance Sales: https://lnk.to/asg656 4 Effective Techniques for Closing Insurance Sales: https://lnk.to/asg655 5 Insurance Marketing Tips to Help Agents Stand Out in a Crowd: https://lnk.to/asgf20250321 Client Check-in Call Script: https://ritterim.com/documents/client-check-in-phone-script.docx Client Check-in Email Template: https://ritterim.com/documents/client-check-in-email-template.docx How Plan Crosswalks Work in the ACA Marketplace: https://lnk.to/ASG664 Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025 Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025 Start Working with Ritter Insurance Marketing References: “2025 Tech Trends and Adults 50-Plus.” AARP.Org, AARP, https://www.aarp.org/content/dam/aarp/research/topics/technology/internet-media-devices/2025-technology-trends-older-adults.doi.10.26419-2fres.00891.001.pdf. Accessed 7 May 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

No need to reinvent the wheel. Sometimes, you just need to add a spoke! Robert Rothschild joins Sarah to chat about his background and what keeps him striving for more. Find Robert Rothschild Online: LinkedIn: https://www.linkedin.com/in/robert-a-rothschild-mba-a89a2133/ Register with the FMO Robert Rothschild Calls Home - 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

What products can agents cross-sell with Medicare? Learn how plan pairings work between the different Medicare insurance options. We can help you build up your portfolio with ancillary product options for your clients. Read the text version Resources: A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://ritterim.com/selling-ancillary-with-medicare/ Boost Business Selling Hospital Indemnity Insurance: https://ritterim.com/blog/boost-business-selling-hospital-indemnity-insurance/ Building the Foundation for Success ft. Roy Snarr: https://agentsurvivalguide.podbean.com/e/building-the-foundation-for-success-ft-roy-snarr/ How Relationship Marketing Can Make the Difference in Your Agency: https://agentsurvivalguide.podbean.com/e/how-relationship-marketing-can-make-the-difference-in-your-agency/ Operating From a People-First Mentality ft. Scott Zimmerman: https://agentsurvivalguide.podbean.com/e/operating-from-a-people-first-mentality-ft-scott-zimmerman/ Sense Success with Dental, Vision, and Hearing Plans: https://ritterim.com/blog/sense-success-with-dental-vision-and-hearing-plans/ 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.

The Friday Five for May 23, 2025: Field Notes 5.23.2025 Google Announces NotebookLM App AI Actions in Microsoft Windows 11 TikTok Sleep Meditation for Teens 2025 Social Media Marketing Industry Report Field Notes 5.23.2025: Register for Ritter Insurance Marketing Summits: https://summits.ritterim.com/ Google Announces NotebookLM App: Beaty, Artie. “Google’s Popular AI Tool Gets Its Own Android App - How to Use NotebookLM on Your Phone.” Zdnet.Com, ZDNET, 19 May 2025, www.zdnet.com/article/googles-popular-ai-tool-gets-its-own-android-app-how-to-use-notebooklm-on-your-phone/. Peters, Jay. “Google Releases Its NotebookLM Mobile App.” Theverge.Com, The Verge, 19 May 2025, www.theverge.com/news/669828/google-releases-its-notebooklm-mobile-app. Wang, Biao. “Understand Anything, Anywhere with the New NotebookLM App.” Blog.Google, Google Blog, 19 May 2025, blog.google/technology/ai/notebooklm-app/. Microsoft Announces AI Actions in Windows 11: Warren, Tom. “Microsoft Is Putting AI Actions into the Windows File Explorer.” Theverge.Com, The Verge, 20 May 2025, www.theverge.com/news/670251/microsoft-windows-11-ai-actions-file-explorer-context-menu. Whitney, Lance. “Microsoft’s New AI Tool Lets You Edit Images and Summarize Docs Right in File Explorer.” Zdnet.Com, ZDNET, 20 May 2025, www.zdnet.com/article/microsofts-new-ai-tool-lets-you-edit-images-and-summarize-docs-right-in-file-explorer/. TikTok Sleep Meditation for Teens: Hasan, Sadiba. “Can TikTok Help Young People Take a Break From Screens?” Nytimes.Com, The New York Times, 19 May 2025, www.nytimes.com/2025/05/17/style/tiktok-guided-meditation-sleep.html. Malik, Aisha. “Tiktok Rolls out a New Meditation Feature to Help You Get off the App and Sleep.” Techcrunch.Com, TechCrunch, 15 May 2025, techcrunch.com/2025/05/15/tiktok-rolls-out-a-new-meditation-feature-to-help-you-get-off-the-app-and-sleep/. Roth, Emma. “Tiktok Will Show Teens Guided Meditation after 10pm.” Theverge.Com, The Verge, 15 May 2025, www.theverge.com/news/668051/tiktok-guided-meditation-wind-down-10pm. 2025 Social Media Marketing Industry Report: Stelzner, Michael A. “2025 Social Media Marketing Industry Report.” Socialmediaexaminer.Com, Social Media Examiner, www.socialmediaexaminer.com/social-media-marketing-industry-report-2025/. Accessed 21 May 2025. Learning to Delight in the Limelight ft. Linda Ugelow: https://lnk.to/asg644 Order Your Copy of Delight in the Limelight: https://lindaugelow.com/delight-in-the-limelight/ Resources: 5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131 Best Video Editing Apps for Social Media: https://lnk.to/8xfGo0 Community Engagement & ACA Marketing Suggestions: https://lnk.to/ASG665 From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025 Social Media Marketing for Insurance Agents: https://ritterim.com/social-media-ebook/ The Best Books for Insurance Agents: https://ritterim.com/blog/the-best-books-for-insurance-agents/ Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

We’ve got details on the CMS decision to reverse their decision on the Disaster/Emergency SEP for Medicare Beneficiaries. 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: 5 Myths about Selling ACA Health Plans: https://lnk.to/asg660 Building the Foundation for Success ft. Roy Snarr: https://lnk.to/snarr2025 Does Your Medicare Sales Approach Satisfy Different Budgets? https://lnk.to/G6g1fm Medicare Advantage Emergency-Related SEPs: https://ritterim.com/blog/medicare-advantage-emergency-related-seps/ References: “Medicare Advantage and Part D Enrollment and Disenrollment Guidance Updated: 2024.” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/files/document/cy2025cdenrollmentanddisenrollmentguidancepdf.pdf. Accessed 22 Apr. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

There’s no substitute for hard work, or “making your own luck.” Michael Krantz, one of New York’s top insurance producers, joined Sarah to talk about success and what drives him to keep going in this industry. Find Michael Krantz Online: LinkedIn: https://www.linkedin.com/in/michael-krantz-2004401b Official Website: https://www.withavid.com/ Register with 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

The Friday Five for May 16th, 2025: Dunkin’ and Starbucks Summer 2025 Menus Viral Music Charts for Content Creation Potential Heart Benefit in Shingles Vaccine Possible Hints at ACA Subsidy Direction for 2026 AHIP 2026 Certification Dates Dunkin’ and Starbucks Summer 2025 Menus: “Dunkin’ Summer Menu.” Dunkindonuts.Com, Dunkin’, www.dunkindonuts.com/en/summer-menu. Accessed 13 May 2025. Fink, Bailey. “Starbucks Is Bringing Back Customers’ ‘Favorite Drink Ever’ This Summer.” Allrecipes.Com, Allrecipes, 17 Apr. 2025, www.allrecipes.com/starbucks-summer-menu-2025-11717043. Baker, Nicolette. “Starbucks’ Summer Menu Just Dropped — Including a Brand-New Iced Beverage.” Foodandwine.Com, Food & Wine, 15 Apr. 2025, www.foodandwine.com/starbucks-summer-menu-2025-11715175. Viral Music Charts for Content Creation: “100 Top Trending Songs on TikTok.” Tokchart.Com, Tokchart, tokchart.com/. Accessed 14 May 2025. Bowe, Tucker. “Apple Quietly Gave Your Iphone a Simple yet Fun New Feature.” Gearpatrol.Com, Gear Patrol, 12 May 2025, www.gearpatrol.com/tech/apple-music-shazam-viral-chart/. “Shazam Viral Global Chart .” Shazam.Com, Shazam, www.shazam.com/charts/viral/world. Accessed 14 May 2025. “Spotify Viral 50 - Global.” Spotify.Com, Spotify, open.spotify.com/playlist/37i9dQZEVXbLiRSasKsNU9?si=4zvmJR7bQnajf6_StIGfuw. Accessed 14 May 2025. “Viral Chart on Apple Music.” Music.Apple.Com, Apple Music, music.apple.com/us/playlist/viral-chart/pl.b127c05305ad413fb742e8585599ec84. Accessed 14 May 2025. Potential Heart Health Benefit in Shingles Vaccine: McLendon, Russell. “Shingles Vaccine Can Reduce Risk of Stroke And Heart Attack, Study Finds.” Sciencealert.Com, ScienceAlert, 12 May 2025, www.sciencealert.com/shingles-vaccine-can-reduce-risk-of-stroke-and-heart-attack-study-finds. Rudy, Melissa. “Shingles Vaccine Has Unexpected Effect on Heart Health.” Foxnews.Com, FOX News Network, 9 May 2025, www.foxnews.com/health/shingles-vaccine-has-unexpected-effect-heart-health. “Shingles Vaccine Lowers the Risk of Heart Disease for up to Eight Years.” Escardio.Org, European Society of Cardiology, 6 May 2025, www.escardio.org/The-ESC/Press-Office/Press-releases/shingles-vaccine-lowers-the-risk-of-heart-disease-for-up-to-eight-years. Griesser, Kameryn. “Shingles Vaccine Reduces Risk of Heart Disease by 23%, Study of One Million People Finds.” Cnn.Com, Cable News Network, 12 May 2025, www.cnn.com/2025/05/09/health/shingles-heart-disease-vaccine-shots-wellness. Possible Hints at ACA Subsidy Direction for 2026: Tong, Noah. “CMS Hints at Possible Cost-Sharing Reduction Payments for Insurers, Impacting ACA Enrollment.” Fiercehealthcare.Com, Fierce Healthcare, 7 May 2025, www.fiercehealthcare.com/payers/cms-hints-possible-cost-sharing-reduction-payments-insurers-impacting-aca-enrollment. “Explaining Health Care Reform: Questions About Health Insurance Subsidies.” Kff.Org, KFF, 25 Oct. 2024, www.kff.org/affordable-care-act/issue-brief/explaining-health-care-reform-questions-about-health-insurance-subsidies/. “Offering of Off-Exchange-Only Plans without ‘CSR Loading.’” Cms.Gov, Centers for Medicare & Medicaid Services, 2 May 2025, www.cms.gov/files/document/offering-exchange-only-plans-without-csr-loading.pdf. “Plan Year 2026 Individual Market Rate Filing Instructions.” Cms.Gov, Centers for Medicare & Medicaid Services, 2 May 2025, www.cms.gov/files/document/py-26-individual-market-rate-filing-instructions.pdf. AHIP 2026 Certification Dates: “AHIP Medicare + Fraud, Waste, and Abuse Online Course.” Ahipmedicaretraining.Com, AHIP, www.ahipmedicaretraining.com/page/login. Accessed 13 May 2025. Resources: 5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411 CMS Updates to MA and Part D for CY 2026: https://lnk.to/asgf20250425 Fact vs. Fiction: Examining the Medicare Part B Premium Giveback: https://lnk.to/asg667 Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

We breakdown the 2025 Marketplace Proposed Rule and highlight what we think agents like you should know! Read the text version Contact our Under-65 Sales Team! Resources: CMS Finalizes Improvements to Marketplace Plan Selection with 2026 Final Rule: https://ritterim.com/blog/cms-finalizes-improvements-to-marketplace-plan-selection-with-2026-final-rule/ Everything Agents Need to Know About Selling in State-Based Marketplaces: https://ritterim.com/blog/everything-agents-need-to-know-about-selling-in-state-based-marketplaces/ Everything You Need to Know About the ACA OEP: https://ritterim.com/blog/everything-you-need-to-know-about-the-aca-oep/ How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://lnk.to/qzlRwV Lawsuit Changes DACA Recipients’ Affordable Care Act Eligibility: https://ritterim.com/blog/lawsuit-changes-daca-recipients-affordable-care-act-eligibility/ Learn with Knight School: https://ritterim.com/knight-school/ Meet Ritter’s Under-65 Sales Team: https://ritterim.com/meet-your-sales-team/ Steps to Get Ready for OEP: Federal Exchange States & State Based Exchanges: https://lnk.to/SyqM9T References: “2025 Marketplace Integrity and Affordability Proposed Rule.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/2025-marketplace-integrity-and-affordability-proposed-rule Accessed 23 Apr. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

Join the ASGPodcast as we talk about the Medicare Part B Premium Giveback, how it’s been overhyped and misrepresented, and how to stay compliant when talking about it. Read the text version Resources: 5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411 Do's and Don'ts of Medicare Compliance: https://ritterim.com/blog/dos-and-donts-of-medicare-compliance/ Guidelines for Sharing Personal Beneficiary Data with Other TPMOs: https://lnk.to/asg647 How to Stay Compliant During All Medicare Sales: https://lnk.to/41gE4C Ritter Insurance Marketing Registration What Not to Say During Medicare Educational and Sales Events: https://ritterim.com/blog/what-not-to-say-during-medicare-educational-and-sales-events/ References: “Costs.” Medicare.Gov, Medicare, www.medicare.gov/basics/costs/medicare-costs. Accessed 15 Apr. 2025. “Misleading Medicare Marketing: What to Look Out For.” Ncoa.Org, National Council on Aging, www.ncoa.org/article/misleading-medicare-marketing-dont-be-fooled-during-medicare-open-enrollment/. Accessed 15 Apr. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

The Friday Five for May 9, 2025: Rite Aid Files for Chapter 11 Bankruptcy Again Apple WWDC 2025 Dates & Rumors Discount Medicare Insurance Scam Alert Rueppel Recommends Books & Streaming Picks May 2025 Aetna Health Plans to Exit ACA Marketplace for CY 2026 Rite Aid Files for 2nd Chapter 11 Bankruptcy: Download the “Rite Aid Letter to Customers - May 5, 2025.” Restructuring.Ra.Kroll.Com, Kroll Restructuring Administration, restructuring.ra.kroll.com/RiteAid/Home-DownloadPDF?id1=MzM0MTA2Mg%3D%3D&id2=0. Accessed 6 May 2025. Grothaus, Michael. “Rite Aid Bankruptcy: What to Know about Store Closings, Prescription Transfers, Layoffs, Gift Cards, and More.” Fastcompany.Com, Fast Company, 6 May 2025, www.fastcompany.com/91329223/rite-aid-bankruptcy-2025-stores-closing-prescription-transfers-gift-cards. Arias, Pilar. “Rite Aid Files for Bankruptcy for Second Time in Less than 2 Years.” Foxbusiness.Com, Fox Business, 6 May 2025, www.foxbusiness.com/economy/rite-aid-files-bankruptcy-second-time-less-than-2-years. Powel, James. “Rite Aid Files for Chapter 11 Bankruptcy, Promises ‘smooth Transfer’ of Prescriptions.” Usatoday.Com, Gannett Satellite Information Network, 6 May 2025, www.usatoday.com/story/money/retail/2025/05/05/rite-aid-chapter-11-bankruptcy/83467189007/. “Rite Aid Store Locater.” Riteaid.Com, Rite Aid, www.riteaid.com/locations/. Accessed 6 May 2025. Urie, Daniel. “Rite Aid Tells Vendors It ‘Has Generally Stopped Purchasing Goods and Services.’” Pennlive.Com, PennLive, 5 May 2025, www.pennlive.com/business/2025/05/rite-aid-tells-vendors-it-has-generally-stopped-purchasing-goods-and-services.html. Mills, Sean I. “What to Do with Your Prescriptions Now That Rite Aid Is Closing All Stores.” Romesentinel.Com, Daily Sentinel, 6 May 2025, www.romesentinel.com/news/rome-new-hartford-rite-aid-store-closings/article_98f2300b-600c-4937-b8d0-686ece8d36e9.html. Apple WWDC 2025 Dates & Rumors: Lovejoy, Ben. “90% of People Shouldn’t Buy the iPhone 17 Air, per Apple.” 9to5mac.Com, 9to5Mac, 6 May 2025, 9to5mac.com/2025/05/06/90-of-people-shouldnt-buy-the-iphone-17-air-per-apple/. Schroeder, Stan. “Apple Is Planning a New iPhone Launch Schedule, Report Claims.” Mashable, Mashable, 5 May 2025, mashable.com/article/apple-iphone-launch-schedule. “iOS 7 vs iOS 6 Side-by-Side Visual Comparisons.” Osxdaily.Com, OS X Daily, osxdaily.com/2013/06/11/ios-7-vs-ios-6-visual-comparison/. Accessed 6 May 2025. Christoffel, Ryan. “iOS 19: Three New Features Are Being Announced next Month.” 9to5mac.Com, 9to5Mac, 5 May 2025, 9to5mac.com/2025/05/05/ios-19-three-new-features-are-being-announced-next-month/. Clover, Juli. “iOS 19: Everything We Know.” Macrumors.Com, MacRumors, 5 May 2025, www.macrumors.com/roundup/ios-19/. Discount Medicare Insurance Scam Alert: “Emerging Discount Medical Insurance Scams.” Ic3.Gov, Internet Crime Complaint Center (IC3), 30 Apr. 2025, www.ic3.gov/PSA/2025/PSA250430. Dimuro, Claudia. “FBI Alerts Public in Pa., beyond to Emerging Scam: Here’s What to Know.” Pennlive.Com, PennLive, 5 May 2025, www.pennlive.com/life/2025/05/fbi-alerts-public-in-pa-beyond-to-emerging-scam-heres-what-to-know.html. Burman, Theo. “FBI Issues New Warning Over Health Insurance Scams.” Newsweek.Com, Newsweek, 6 May 2025, www.newsweek.com/fbi-issues-new-warning-over-health-insurance-scams-2068626. Rueppel Recommends: Wynn-Williams, Sarah. “Careless People: A Cautionary Tale of Power, Greed, and Lost Idealism.” Spotify, Flatiron Books, open.spotify.com/show/279JRLPYDjvmsS81C7SOzg?si=215e5504c3ea4510. Accessed 6 May 2025. Ridgely, Charlie. “Everything Coming to Netflix, Max, Disney+ & Other Streaming Services in May 2025.” ComicBook.Com, ComicBook, 30 Apr. 2025, comicbook.com/tv-shows/news/new-streaming-movies-tv-shows-may-2025-netflix-disney-max/. Bet-David, Patrick. “Your Next Five Moves: Master the Art of Business Strategy.” Spotify, Gallery Books, https://open.spotify.com/show/1mCTkhoZxUOH6iA9b8Dx2y?si=b11263c88e3a43ff. Accessed 6 May 2025. Bet-David, Patrick. Your Next Five Moves, Gallery Books, www.yournextfivemoves.com/. Accessed 6 May 2025. Aetna Health Plans to Exit ACA Marketplace for CY 2026: Minemyer, Paige. “Aetna to Exit the ACA Exchanges in 2026.” Fiercehealthcare.Com, Fierce Healthcare, 1 May 2025, www.fiercehealthcare.com/payers/aetna-exit-aca-exchanges-2026. Pifer, Rebecca. “CVS Plans to Exit ACA Individual Exchanges, Strikes Wegovy Deal with Novo Nordisk.” Healthcaredive.Com, Healthcare Dive, 1 May 2025, www.healthcaredive.com/news/cvs-aetna-exit-aca-novo-nordisk-wegovy-deal/746833/. Japsen, Bruce. “CVS Plans To Exit Obamacare In 2026, Affecting 1 Million Aetna Members.” Forbes.Com, Forbes Magazine, 1 May 2025, www.forbes.com/sites/brucejapsen/2025/05/01/cvs-plans-to-exit-obamacare-in-2026-impacting-1-million-aetna-members/. How Plan Crosswalks Work in the ACA Marketplace: https://lnk.to/ASG664 Resources: 5 Myths About Selling ACA Health Insurance Plans: https://lnk.to/asg660 5 Things from the CMS 202

Get tips on how to get involved with your community, find potential ACA clients, and market your brand – all in this episode! Read the text version The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships FREE eBook Download Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Insurance Marketing Tips to Help Agents Stand Out in Crowd: https://lnk.to/asgf20250321 5 Things to Consider When Creating Your Personal Brand: https://lnk.to/asgf20250404 5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131 6 Ways to Generate ACA Leads: https://lnk.to/ASG663 ACA Consumer Authorization Form FREE PDF Download: https://ritterim.com/documents/aca-consumer-authorization-form-template.pdf Apps for Content Creation: https://lnk.to/ASGA81 Best Video Editing Apps for Social Media: https://lnk.to/8xfGo0 Build Your Brand with Community Involvement: https://ritterim.com/blog/build-your-brand-with-community-involvement/ Free Insurance eBooks & Guides: https://ritterim.com/guides/ Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ Register with Ritter: https://app.ritterim.com/public/registration/ Shop at Ritter Insurance Marketing: https://shopritterim.com/ The Complete Guide to Selling Affordable Care Act Insurance Plans: https://ritterim.com/aca-ebook/ References: “Age Distribution of Internet Users Worldwide 2024.” Statista.Com, https://www.statista.com/statistics/272365/age-distribution-of-internet-users-worldwide/. Accessed 14 Apr. 2025. Instagram, https://www.instagram.com/. Accessed 14 Apr. 2025. “Log in or Sign Up.” https://www.facebook.com/. Accessed 14 Apr. 2025. “Make Your Day.” TikTok, https://www.tiktok.com/en/. Accessed 14 Apr. 2025. “Most Popular Social Networks Worldwide as of February 2025, by Number of Monthly Active Users.” Statista.Com, Statista, Feb. 2025, www.statista.com/statistics/272014/global-social-networks-ranked-by-number-of-users/. “The Growth Engine: Superior Customer Experience In ...” McKinsey.Com, https://www.mckinsey.com/~/media/mckinsey/industries/financial%20services/our%20insights/the%20growth%20engine%20superior%20customer%20experience%20in%20insurance/the_growth_engine_superior_customer_experience_in_insurance_may_2016.pdf. Accessed 14 Apr. 2025. YouTube, YouTube, https://www.youtube.com/. Accessed 14 Apr. 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.

Putting others first in a me-first world? Scott Zimmerman joins Sarah to chat about this mentality that we’re all familiar with, and the powerful results it can have on your insurance business. Find Scott Zimmerman Online: Email: [email protected] Facebook: https://www.facebook.com/scott.zimmerman.75491 Instagram: https://www.instagram.com/thescottzimmerman/ LinkedIn: https://www.linkedin.com/in/scott-zimmerman-9463a12/ Official Website: https://www.corpstrat.com/ YouTube: https://www.youtube.com/channel/UCqxWt4UeW26lqlQ9Qdz3Uyw Start Working with 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. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail.

Join Sarah as she dives back into CMS regulations! This week, she highlights 5 regulations from the 2026 Medicare Advantage and Part D Final Rule. Contact the Agent Survival Guide Podcast! Email us [email protected] or call 1-717-562-7211 and leave a voicemail. Resources: 5 Things About the 2026 CMS MA and Part D Rate Announcement: https://lnk.to/asgf20250411 CMS 2025 Marketplace Integrity & Affordability Proposed Rule: https://lnk.to/asgf20250314 CMS Updates to MA and Part D for CY 2026: https://lnk.to/asgf20250425 Expanded Medicare Telehealth Benefits Extended Through September 2025: https://ritterim.com/blog/expanded-medicare-telehealth-benefits-extended-through-september-2025/ Partner with Ritter Insurance Marketing Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule: https://ritterim.com/blog/recent-aca-changes-reversed-with-2026-marketplace-proposed-rule/ References: “CMS Finalizes 2026 Payment Policy Updates for Medicare Advantage and Part D Programs.” CMS.Gov, Centers for Medicare and Medicaid Services, 7 Apr. 2025, www.cms.gov/newsroom/press-releases/cms-finalizes-2026-payment-policy-updates-medicare-advantage-and-part-d-programs. “Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly (CMS-4208-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2025, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. “Medicare and Medicaid Programs; Contract Year 2026 Policy and Technical Changes to the Medicare Advantage Program, Medicare Prescription Drug Benefit Program, Medicare Cost Plan Program, and Programs of All-Inclusive Care for the Elderly.” Federalregister.Gov, Federal Register, 15 Apr. 2025, www.federalregister.gov/documents/2025/04/15/2025-06008/medicare-and-medicaid-programs-contract-year-2026-policy-and-technical-changes-to-the-medicare. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.