Episodios

  • Ringing in the New Year with CMS

    Ringing in the New Year with CMS
    Jan 9 2026
    The Friday Five for January 9, 2026: Rural Health Transformation Program AllocationsGuarding U.S. Medicare Against Rising Drug Costs (GUARD) ModelGlobal Benchmark for Efficient Drug Pricing (GLOBE) ModelBetter Approaches to Lifestyle and Nutrition for Comprehensive hEalth (BALANCE) ModelClear, Accurate, and Actionable Health Care Prices Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Rural Health Transformation Program Allocations: “CMS Announces $50 Billion in Awards to Strengthen Rural Health in All 50 States.” CMS.Gov, Centers for Medicare & Medicaid Services, 29 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-announces-50-billion-awards-strengthen-rural-health-all-50-states. “CMS Announces Establishment of the Office of Rural Health Transformation.” CMS.Gov, Centers for Medicare & Medicaid Services, 29 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-announces-establishment-office-rural-health-transformation. “CMS Launches Landmark $50 Billion Rural Health Transformation Program.” CMS.Gov, Centers for Medicare & Medicaid Services, 15 Sep. 2025, https://www.cms.gov/newsroom/press-releases/cms-launches-landmark-50-billion-rural-health-transformation-program. Guarding U.S. Medicare Against Rising Drug Costs (GUARD) Model: “CMS Proposes New Mandatory GUARD Model.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-proposes-new-mandatory-guard-model. “GUARD (Guarding U.S. Medicare Against Rising Drug Costs) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/innovation/innovation-models/guard. Accessed 7 Jan. 2026. Guarding U.S. Medicare Against Rising Drug Costs (GUARD) Model.” Federalregister.Gov, U.S. Government, https://www.federalregister.gov/documents/2025/12/23/2025-23705/guarding-us-medicare-against-rising-drug-costs-guard-model. Accessed 7 Jan. 2026. Global Benchmark for Efficient Drug Pricing (GLOBE) Model: “CMS Proposes New Mandatory GLOBE Model.” CMS.Gov, Centers for Medicare & Medicaid Services, 21 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-proposes-new-mandatory-globe-model. “Global Benchmark for Efficient Drug Pricing (GLOBE) Model.” Federalregister.Gov, U.S. Government, https://www.federalregister.gov/documents/2025/12/23/2025-23702/global-benchmark-for-efficient-drug-pricing-globe-model. Accessed 7 Jan. 2026. “GLOBE (Global Benchmark for Efficient Drug Pricing) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/innovation/innovation-models/globe. Accessed 7 Jan. 2026. Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth (BALANCE) Model: “BALANCE (Better Approaches to Lifestyle and Nutrition for Comprehensive hEalth) Model.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/priorities/innovation/innovation-models/balance. Accessed 7 Jan. 2026. “CMS Launches Voluntary Model to Expand Access to Life-Changing Medicines, Promote Healthier Living.” CMS.Gov, Centers for Medicare & Medicaid Services, 23 Dec. 2025, https://www.cms.gov/newsroom/press-releases/cms-launches-voluntary-model-expand-access-life-changing-medicines-promote-healthier-living. Minemyer, Paige. “CMS Launching Payment Model to Boost Access to GLP-1s in Medicaid, Part D.” Fiercehealthcare.Com, Fierce Healthcare, 24 Dec. 2025, https://www.fiercehealthcare.com/regulatory/cms-launching-payment-model-boost-access-glp-1s-medicaid-part-d. Clear, Accurate, and Actionable Health Care Prices: Minemyer, Paige. “CMS Proposes Updates to Price Transparency Regs to Make Data More Accessible, Usable.” Fiercehealthcare.Com, Fierce Healthcare, 19 Dec. 2025, https://www.fiercehealthcare.com/regulatory/cms-proposes-updates-price-transparency-regs-make-data-more-accessible-usable. “Transparency in Coverage.” Federalregister.Gov, U.S. Government, https://www.federalregister.gov/documents/2025/12/23/2025-23693/transparency-in-coverage. Accessed 7 Jan. 2026. “Transparency in Coverage Proposed Rule (CMS 9882-P).” CMS.Gov, Centers for Medicare & Medicaid Services, 19 Dec. 2025, https://www.cms.gov/newsroom/fact-sheets/transparency-coverage-proposed-rule-cms-9882-p “Trump Administration Proposes Significant Updates to Disclosure Requirements to Make Health Care Prices Clear, Accurate, and Actionable for Americans.” CMS.Gov, Centers for Medicare & Medicaid Services, 19 Dec. 2025, https://www.cms.gov/newsroom/press-releases/trump-administration-proposes-significant-updates-disclosure-requirements-make-health-care-prices Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM ...
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    17 m
  • Why Gen Z is a Good Fit For Selling Insurance

    Why Gen Z is a Good Fit For Selling Insurance
    Jan 7 2026
    Discover all the reasons why we think Gen Z is a great match for the insurance industry! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: 4 Reasons Why Ritter Should Be Your FMO Insurance Agency 10 Essential Tools for Beginner Insurance Agents Developing Power Habits ft. Dr. Noah St. John The Difference Between Captive & Independent Agents The Difference Between Medicare & Medicaid Your Step-By-Step Guide to Getting Started in Insurance Sales References: McAllister, Sean. “How is Gen Z changing the workplace?” Zurich.Com, https://www.zurich.com/media/magazine/2022/how-will-gen-z-change-the-future-of-work . Accessed 10 Dec. 2025. Veltheim, Hanna. “Pandemic’s Impact on the Young: Generation Z and Growing up in the Middle of Covid-19.” Futures Platform, Futures Platform, 28 Nov. 2024, https://www.futuresplatform.com/blog/pandemics-impact-generation-z. Hall, Rebecca. “Recruiting Gen Z: Understanding What Matters.” Imercer, https://www.imercer.com/articleinsights/Attracting-new-graduates-and-Gen-Z-with-the-right-pay-and-perks. Accessed 10 Dec. 2025. Wells, Andrea. “Young Agents Survey: The next Generation Steps Up.” Insurance Journal, 22 Apr. 2015, https://www.insurancejournal.com/magazines/coverstory/2015/04/20/364399.htm. “The Average Length of a Job by Generation: A Look at Workforce Trends.” Sudina Search, LinkedIn, 19 Feb. 2025, https://www.linkedin.com/pulse/average-length-job-generation-look-workforce-trends-sudina-search-r4wqf#:~:text=Studies_indicate_that_Gen_Z,and_alignment_with_personal_values. Robinson, Bryan. “The Gen Z Mindset Graduates Bring to the Workplace in 2025.” Forbes, Forbes Magazine, 27 Apr. 2025, https://www.forbes.com/sites/bryanrobinson/2025/04/26/the-gen-z-mindset-graduates-bring-to-the-workplace-in-2025/. Wilson, Heather H. “The Insurance Industry’s Talent Crunch: Attracting and Retaining Gen Z.” Insurance Journal, 24 Mar. 2025, https://www.insurancejournal.com/magazines/mag-features/2025/03/24/816425.htm . 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.
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    7 m
  • 8 Strategies to Prevent Rapid Disenrollments from Medicare Plans

    8 Strategies to Prevent Rapid Disenrollments from Medicare Plans
    Jan 5 2026
    Rapid disenrollments don't have to happen to you! Learn how better communication can smooth over most Medicare plan disenrollment issues. We outline 8 strategies that are simple for agents to implement. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: 7 Reasons Clients Switch Medicare Plans During AEP Do's and Don'ts of Medicare Compliance Fact-Finder Worksheet PDF Helping Clients Navigate Medicare’s Durable Medical Equipment Coverage How to Save Beneficiaries Money on Prescription Drugs at a Preferred Pharmacy Medicare Advantage Emergency-Related SEPs Medicare Advantage Open Enrollment Do's and Don'ts Medicare Advantage Trial Rights Explained for Agents Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them Start Selling 5-Star Medicare Advantage Plans All Year Register with Ritter Insurance Marketing What Beneficiaries Value Most in Medicare Advantage Plans References: “Low Incomes, Little Savings: Many Medicare Beneficiaries Have Modest Financial Resources to Draw Upon in Retirement .” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/medicare/low-incomes-little-savings-many-medicare-beneficiaries-have-modest-financial-resources-to-draw-upon-in-retirement/. “Medicare Advantage Communication Requirements.” Ecfr.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 8 Dec. 2025. “Outbound Education and Verification Calls to All New Enrollees.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/downloads/MMGSection70-6Rev.pdf. Accessed 8 Dec. 2025. “Part D Communication Requirements.” Ecfr.Gov, Centers for Medicare & Medicaid Services, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 8 Dec. 2025. Sparks, Grace et. al. “Public Opinion on Prescription Drugs and Their Prices.” KFF.Org, KFF, 9 Aug. 2025, www.kff.org/health-costs/public-opinion-on-prescription-drugs-and-their-prices. 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.
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    14 m
  • 5 Tips for Seasoned Insurance Agents

    5 Tips for Seasoned Insurance Agents
    Dec 31 2025
    In this episode, we’re tapping our past podcast guests for more advice. This time around, we asked what advice they would offer to more seasoned insurance agents.

    🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Resources:

    Adding Spokes to Your Wheel ft. Robert Rothschild

    Building the Foundation for Success ft. Roy Snarr

    How to Build Intentional Value ft. Neil Reich

    Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle

    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.

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    15 m
  • 5 Tips for New Insurance Agents

    5 Tips for New Insurance Agents
    Dec 29 2025
    Just starting out in the insurance industry? There’s a lot to learn! We’ve compiled some tips from past podcast guests on the advice they would give to new insurance agents.

    🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Resources:

    Building the Foundation for Success ft. Roy Snarr

    How to Build Intentional Value ft. Neil Reich

    Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle

    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.

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    17 m
  • Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them

    Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them
    Dec 22 2025
    It’s important that agents are equipped to handle Medicare grievances when they arise. Listen to learn how to prepare and best practices for avoiding these situations. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: A Review of Integrity’s Top Medicare Quoting Tools Do’s and Don’ts of Medicare Compliance IntegrityCONNECT PlanEnroll PlanEnroll Client Sync Tutorial PDF Rules for Hosting a Compliant Medicare Educational Event Rules for Hosting a Compliant Medicare Sales Event The Survivor’s AEP Checklist Updates to the 2026 AHIP Certification You Should Know What Agents Can’t Say During Medicare Sales Appointments What Not to Say During Medicare Educational and Sales Events What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales References: “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, https://www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription-final. Accessed 26 Nov. 2025. “Closed Confirmed Consumer Complaints by Coverage Type - CIS.” Closed Confirmed Consumer Complaints by Coverage Type - CIS, https://content.naic.org/cis_agg_type.htm. Accessed 26 Nov. 2025. “Filing a Complaint.” Medicare, https://www.medicare.gov/providers-services/claims-appeals-complaints/complaints. Accessed 26 Nov. 2025. “Welcome to Medicare.” Medicare, Centers for Medicare & Medicaid Services, https://www.medicare.gov/. Accessed 26 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.
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    14 m
  • What Are the ACA Marketplace Alternatives for Health Insurance?

    What Are the ACA Marketplace Alternatives for Health Insurance?
    Dec 20 2025
    The Affordable Care Act health insurance is a great option for many. But it may not be the right fit for your clients. Discover ACA alternatives that fit your clients’ needs. Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: ACA 101: Selling Under-65 Health Insurance A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products Government & Insurers Reconsider Short-Term Limited Duration Product Changes How the ACA Subsidy Cliff Impacts Client Shopping for Marketplace Coverage How to Prepare for AEP Like a Pro How Much Money Can Agents Make Selling Ancillary Health Insurance Key Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule Secure a Bigger, Better Business with Ancillary Products The One Big Beautiful Bill: What Health Insurance Agents Should Know References: “E&O Insurance for Insurance Agents.” Insureon, www.insureon.com/insurance-agent-business-insurance/errors-omissions. Accessed 5 Nov. 2025. Stevenson, Michael. “Mid-Year 2025 Employee Benefits Market Update: 4 Trends to Watch.” Seubert, 7 Aug. 2025, www.seubert.com/blog/mid-year-2025-employee-benefits-market-update-4-trends-to-watch/. “Minimum Essential Coverage.” CMS.Gov, www.cms.gov/marketplace/health-plans-issuers/minimum-essential-coverage. Accessed 5 Nov. 2025. “Minimum Essential Coverage (MEC) - Glossary.” HealthCare.Gov, www.healthcare.gov/glossary/minimum-essential-coverage/. Accessed 5 Nov. 2025. “Qualifying Health Coverage - Glossary.” HealthCare.Gov, www.healthcare.gov/glossary/qualifying-health-coverage/. Accessed 5 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.
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    22 m
  • Top 5 Episodes of 2025

    Top 5 Episodes of 2025
    Dec 19 2025
    Sarah reveals the top Agent Survival Guide Podcast episodes of 2025. Did your favorite episode make the cut? You’ll have to listen to find out!

    🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Links to the Top ASG Podcast Episodes of 2025:

    2026 Medicare Part A & B Premiums & Deductibles

    5 Ways to Survive Enrollment Season 2026

    7 Actions You Can Take If Your Medicare Plans Go Non-Commissionable

    The ICHRA Opportunity for Agents ft. Lisa Marzolino & Danica Stover

    Understanding the ACA Marketplace & Exchanges

    Honorable Mention:

    2026 ACA Exchange & FFM Certification Info

    2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D

    5 Medicare Myths Your Clients May Believe

    6 Ways to Generate ACA Leads

    Celebrating 20 Years of Medicare AEPs & Growth: Looking Back at 2005

    FMO vs. IMO vs. NMO vs. MGA vs. GA: What’s the Difference?

    How Storytelling Helps Agents Quickly Connect with Clients ft. Don Connelly

    Optimize Your Online Presence ft. Aaron Kassover

    Setting SMART Goals in 2025

    The Best Appointment Schedulers 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.

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    15 m
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