エピソード

  • Holiday Gift Guide 2025

    Holiday Gift Guide 2025
    2025/12/15
    Sarah and Tina are back with another gift guide to help you survive holiday shopping! Listen as they chat about their favorite gifts to give and maybe one or two they’re hoping to receive this year.

    🤝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.

    Mentioned in this episode:

    Pinch Provisions

    Quince

    Uncommon Goods

    Waxing Poetic

    Other episodes you might like:

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

    Holiday Toy Shopping Guide 2025

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

    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.

    続きを読む 一部表示
    41 分
  • Questions to Ask Clients Shopping for an ACA Plan

    Questions to Ask Clients Shopping for an ACA Plan
    2025/12/13
    Use these questions to help your client find the right Affordable Care Act coverage! 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: 5 Tips for Finding Supplemental Coverage for ACA Plans ACA Enrolment Periods Explained Everything You Need to Know About the ACA OEP FAQs About Selling On-Exchange & Off-Exchange Under-65 Plans How the ACA Subsidy Cliff Impacts Shopping for Marketplace Coverage How to Help Client Navigate ACA Marketplace Subsidies & Taxes Meet Your Sales Team Surviving OEP The Ritter Docs – Under 65 There’s More to Life Insurance Than Just a Policy The State of the ACA Market in 2025 Understanding ACA Plan Metal Tiers Understanding the ACA Marketplace & Exchanges What the Inflation Reduction Act Means for Your Medicare & ACA Clients References: “Low Cost Marketplace Health Care, Qualifying Income Levels.” HealthCare.Gov, https://www.healthcare.gov/lower-costs/. Accessed 4 Dec. 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.
    続きを読む 一部表示
    8 分
  • Enrollment Stats, Snapshots & Spotlights

    Enrollment Stats, Snapshots & Spotlights
    2025/12/12
    The Friday Five for December 12, 2025: Wrapping Up AEP 2026Spotify Wrapped 2025Pebble Index 012026 ACA Enrollment Snapshot #1KFF 2026 Medicare Advantage Spotlight 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. Pebble Index 01: Perez, Sarah. “Pebble’s Founder Introduces a $75 AI Smart Ring for Recording Brief Notes with a Press of a Button.” Techcrunch.Com, TechCrunch, 9 Dec. 2025, techcrunch.com/2025/12/09/pebbles-founder-introduces-a-75-ai-smart-ring-for-recording-brief-notes-with-a-press-of-a-button/. Chokkattu, Julian. “Pebble is Making a $75 Smart Ring.” Wired.com, Wired, https://www.wired.com/story/pebble-index-ring/. Pierce, David. “The next Pebble gadget is the Index 01, a ring with a microphone.” theverge.com, The Verge, 9 Dec. 2025, https://www.theverge.com/gadgets/840352/pebble-index-smart-ring-launch-price. 2026 ACA Enrollment Snapshot #1: “Marketplace 2025 Open Enrollment Period Report: National Snapshot.” cms.gov, Centers for Medicare & Medicaid Services, 4 Dec. 2024, https://www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-0. “Marketplace 2026 Open Enrollment Period Report: National Snapshot.” cms.gov, Centers for Medicare & Medicaid Services, 5 Dec. 2025, https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot. KFF 2026 Medicare Advantage Spotlight: Freed, Meredith, Jeannie Fuglesten Biniek, et al. “Medicare Advantage 2026 Spotlight: A First Look at Plan Offerings.” KFF.Org, KFF, 9 Dec. 2025, https://www.kff.org/medicare/medicare-advantage-2026-spotlight-a-first-look-at-plan-offerings/. Freed, Meredith, Nancy Ochieng, et al. “Medicare Advantage 2026 Spotlight: A First Look at Plan Premiums and Benefits.” KFF.Org, KFF, 9 Dec. 2025, https://www.kff.org/medicare/medicare-advantage-2026-spotlight-a-first-look-at-plan-premiums-and-benefits/. 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.
    続きを読む 一部表示
    19 分
  • The 2026 Medicare Part D Redesign Changes Agents Should Know

    The 2026 Medicare Part D Redesign Changes Agents Should Know
    2025/12/10
    New coverage year, new changes to Medicare Part D! Don't miss our refresher on the Part D Redesign updates coming in 2026. Familiarize yourself with these changes now so you can be a helpful resource for your clients! Read the text version 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 📧Connect with the Ritter Insurance Marketing Sales Team Near You! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: 2025 Medicare Part D Redesign Updates The Medicare Part D Creditable Coverage Determination Changes for 2025 or Beyond 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 19 Nov. 2025. “Fact Sheet: President Donald J. Trump Announces Actions to Lower Prescription Drug Prices.” The White House, The United States Government, 15 Apr. 2025, https://www.whitehouse.gov/fact-sheets/2025/04/fact-sheet-president-donald-j-trump-announces-actions-to-lower-prescription-drug-prices/. “Final CY 2026 Part D Redesign Program Instructions.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/fact-sheets/final-cy-2026-part-d-redesign-program-instructions. Accessed 19 Nov. 2025. “H.R.5376 - 117th Congress (2021-2022): Inflation Reduction Act of 2022 | Congress.Gov | Library of Congress.” Congress.Gov, https://www.congress.gov/bill/117th-congress/house-bill/5376. Accessed 19 Nov. 2025. “Lowering Drug Prices by Once Again Putting Americans First.” The White House, The United States Government, 15 Apr. 2025, https://www.whitehouse.gov/presidential-actions/2025/04/lowering-drug-prices-by-once-again-putting-americans-first/. “Medicare Part D Creditable Coverage: CMS Finalizes Revised Simplified Determination Method for 2026.” Risk Strategies - Part of the Brown & Brown Team, https://www.risk-strategies.com/blog/medicare-part-d-creditable-coverage-cms-finalizes-revised-simplified-determination-method-for-2026. Accessed 19 Nov. 2025. “Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/medicare-prescription-payment-plan. Accessed 19 Nov. 2025. Santiago, Abdie, and Stephnie A. John. “The IRA in 2025: The Future of Medicare Part d.” Mintz, https://www.mintz.com/insights-center/viewpoints/2146/2025-02-13-ira-2025-future-medicare-part-d. Accessed 19 Nov. 2025. Aboulenein, Ahmed. “Trump Signs Healthcare Executive Order That Includes a Win for Pharma Companies | Reuters.” Reuters, https://www.reuters.com/world/us/trump-signs-healthcare-executive-order-that-includes-win-pharma-companies-2025-04-15/. Accessed 19 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.
    続きを読む 一部表示
    16 分
  • Things to Think About Post-AEP

    Things to Think About Post-AEP
    2025/12/09
    In this episode we’re highlighting some important things to think about while AEP is still fresh in your mind. 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: 3 Benefits of Contracting to Sell Medicare Advantage Plans Outside of AEP 8 Powerful Practices for Selling Prescription Drug Plans 2026 Maximum Broker Commissions for Medicare Advantage & Medicare Part D A Review of Integrity’s Top Medicare Quoting Tools Carriers with Ritter Get a FREE Portfolio Review IntegrityCONNECT Insurance Agents as TPMOS: What CMS Compliance Regulations Mean for You Meet Your Sales Team PlanEnroll – Take Your Business to the Next Level Ritter Summits Surviving AEP The Benefits of Joining a Top Insurance FMO The Definitive Guide to Getting Leads and Prospecting for Medicare Sales FREE eBook The Ritter Platform The Ultimate Agent Resource List Pt. 3: Staying Organized What Agents Forget to Do When Preparing for Appointments 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.
    続きを読む 一部表示
    10 分
  • What Are the CMS Medicare Gift Rules?

    What Are the CMS Medicare Gift Rules?
    2025/12/09
    Before you wrap it up and put a bow on it, does that gift for your Medicare client follow CMS guidelines? Listen to this episode of the Agent Survival Guide Podcast to find out and stay compliant! 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: Affinity Partnerships for Insurance Agents Rules for Hosting a Compliant Medicare Educational Event Rules for Hosting a Compliant Medicare Sales Event The Complete Guide to Client Loyalty and Retention What are the Medicare Gift Rules? References: “Associations Urge Stronger Oversight of MA Marketing Practices.” Npaonline.Com, National Pace Association, https://www.npaonline.org/about-npa/news/news/2024/08/07/associations-urge-tougher-enforcement-of-anti-predatory-medicare-advantage-marketing-practices. Accessed 18 Nov. 2025. “General Questions Regarding Certain Fraud and Abuse Authorities.” Office of Inspector General | Government Oversight | U.S. Department of Health and Human Services, 8 July 2024, https://www.oig.hhs.gov/faqs/general-questions-regarding-certain-fraud-and-abuse-authorities. “Subpart V—Medicare Advantage Communication Requirements.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 18 Nov. 2025. “Subpart V—Part D Communication Requirements.” Federal Register :: Request Access, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 18 Nov. 2025. “OIG-Policy-Statement-Gifts-of-Nominal-Value.Pdf.” Oig.Hhs.Gov/, https://www.oig.hhs.gov/documents/special-advisory-bulletins/887/OIG-Policy-Statement-Gifts-of-Nominal-Value.pdf. Accessed 18 Nov. 2025. “The Fine Line between Gifts and Bribes.” Adams & Associates, PLC, 14 Nov. 2023, https://www.azwhitecollarcrime.com/blog/2019/04/01/the-fine-line-between-gifts-and-bribes/. 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.
    続きを読む 一部表示
    10 分
  • Developing Power Habits ft. Dr. Noah St. John

    Developing Power Habits ft. Dr. Noah St. John
    2025/12/08
    Dr. Noah St. John joins Sarah to talk about his Freedom Lifestyle Formula, Power Habits, and other strategies he's written about over the years. Find out why Dr. Noah says that willpower doesn't help change habits and there's more to success than just mindset. Get ready to unlock your potential with his honest and actionable strategies.

      

    Find Dr. Noah St. John Online:

    Breakthrough With Noah

    Facebook

    Instagram

    LinkedIn

    Official Website

    Power Habits®

    The 7-Figure Life

    The Book of Afformations™

    YouTube

    Resources:

    How Insurance Agents Can Turn Anxiety into Fuel

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

    How to Build Intentional Value ft. Neil Reich

    Optimize Your Online Presence ft. Aaron Kassover

    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.
    続きを読む 一部表示
    39 分
  • Do's and Don'ts of Medicare Compliance

    Do's and Don'ts of Medicare Compliance
    2025/12/06
    As a certified insurance agent, staying CMS compliant is a crucial component to your success. Listen to this episode for a mini crash-course on best practices, guidelines, and resources to stay compliant. 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: FAQs About the Medicare Call Recording Requirements FAQs & Guidelines on Compliant Medicare Marketing Materials Guidelines for Sharing Personal Beneficiary Data with Other TPMOs How to Stay Compliant During All Medicare Sales Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You IntegrityCONNECT Login Learn more about PlanEnroll Ritter's Preferred Partners What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales Rules for Hosting a Compliant Medicare Educational Event What Agents Can't Say During Medicare Sales Appointments What CMS Requires Agents to Discuss Prior to Medicare Enrollments What Not to Say During Medicare Educational and Sales Events Where It All Begins: Obtaining Permission to Contact for Medicare Sales References: “Medicare Advantage Communication Requirements.” Federal Register, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 19 Nov. 2025. “Medicare Marketing Guidelines.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 19 Nov. 2025. “Part D Communication Requirements.” Federal Register, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 19 Nov. 2025. “Federal Register.” Federal Register, https://www.federalregister.gov/. Accessed 19 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.
    続きを読む 一部表示
    29 分