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  • Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule

    Recent ACA Coverage Changes Reversed with 2025 Marketplace Proposed Rule
    2025/05/14
    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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
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    11 分
  • Fact vs. Fiction: Examining the Medicare Part B Premium Giveback

    Fact vs. Fiction: Examining the Medicare Part B Premium Giveback
    2025/05/12
    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

    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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
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    7 分
  • Aetna Health Plans to Exit ACA Marketplace for CY 2026

    Aetna Health Plans to Exit ACA Marketplace for CY 2026
    2025/05/09
    The Friday Five for May 9, 2025: Rite Aid Files for Chapter 11 Bankruptcy AgainApple WWDC 2025 Dates & RumorsDiscount Medicare Insurance Scam AlertRueppel Recommends Books & Streaming Picks May 2025Aetna 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 ...
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    17 分
  • Community Engagement & ACA Marketing Suggestions for Agents

    Community Engagement & ACA Marketing Suggestions for Agents
    2025/05/08
    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 ASGPodcast@Ritterim.com 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.
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    10 分
  • Agent Apps | Location Sharing Apps

    Agent Apps | Location Sharing Apps
    2025/05/07
    Need to keep track of everyone during a busy week or a night out? Check out these location sharing apps!

    Glympse App Official Website: https://corp.glympse.com/ Google Maps: https://www.google.com/maps/ SnapChat: https://www.snapchat.com/ Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

    Resources:

    Apps to Take with You on Your Next Road Trip: https://lnk.to/asga77

    Best Apps for Sports Fans: https://lnk.to/asga78

    The Power of Listening & Laughter: https://lnk.to/kDjaoK

    References:

    Google Maps, Google, https://www.google.com/maps/. Accessed 17 Apr. 2025.

    “Less Social Media. More Snapchat.” Snapchat, https://www.snapchat.com/. Accessed 17 Apr. 2025.

    “Share Your Real-Time Location with Others in Google Maps.” Google Maps Help, Google, https://support.google.com/maps/answer/15437054?hl=en&co=GENIE.Platform%3DAndroid. Accessed 17 Apr. 2025.

    “Streamline Operations and Enhance Productivity with Real-Time Location Intelligence.” Glympse, https://corp.glympse.com/. Accessed 17 Apr. 2025.

    What Is Family Center? – Snapchat Support, https://help.snapchat.com/hc/en-us/articles/7121384944788-What-is-Family-Center. Accessed 17 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.
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    4 分
  • How Plan Crosswalks Work in the ACA Marketplace

    How Plan Crosswalks Work in the ACA Marketplace
    2025/05/05
    What are plan crosswalks in the Affordable Care Act Marketplace? Find out what this means for your clients and how agents can help in the process. Read the text version Register with Ritter: https://app.ritterim.com/public/registration/ Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: Everything Agents Need to Know About Selling in Sate-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/ FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans: https://ritterim.com/blog/faqs-about-selling-on-exchange-off-exchange-under-65-plans/ How to Help Clients Navigate ACA Marketplace Subsidies & Taxes: https://lnk.to/qzlRwV Knight School: https://ritterim.com/knight-school/ Steps to Get Ready for OEP: Federal Exchange States & State-Based Exchanges: https://lnk.to/SyqM9T The Ritter Blog: https://ritterim.com/blog/ Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/ Under-65 Health: https://ritterim.com/products/under-65/ What the Inflation Reduction Act Means for Your Medicare & ACA Clients: https://ritterim.com/blog/what-the-inflation-reduction-act-means-for-your-medicare-aca-clients/ 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 10 Apr. 2025. “ECFR :: 45 CFR 164.512 -- Uses and Disclosures for Which an Authorization or Opportunity to Agree or Object Is Not Required.” Code of Federal Regulations, https://www.ecfr.gov/current/title-45/subtitle-A/subchapter-B/part-155/subpart-D/section-155.335. Accessed 8 Apr. 2025. “Low Cost Marketplace Health Care, Qualifying Income Levels.” HealthCare.Gov, https://www.healthcare.gov/lower-costs/. Accessed 8 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.
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    12 分
  • Operating From a People-First Mentality ft. Scott Zimmerman

    Operating From a People-First Mentality ft. Scott Zimmerman
    2025/05/03
    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: scott@corpstrat.com

    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

    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 ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
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    16 分
  • 5 Things from the CMS 2026 MA and Part D Final Rule

    5 Things from the CMS 2026 MA and Part D Final Rule
    2025/05/02
    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 ASGPodcast@Ritterim.com 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/

    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.
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    9 分