Zoho Projects: https://www.zoho.com/projects/

Joplin: https://joplinapp.org/  

Affinity Partnerships for Insurance Agents: https://link.chtbl.com/ASG617

Apps for Tracking Business Expenses: https://link.chtbl.com/ASGA67

Best Video Editing Apps for Social Media: https://link.chtbl.com/ASGA69

Organization Tips and Tricks for the Medicare Annual Enrolment Period: https://ritterim.com/blog/organization-tips-and-tricks-for-the-medicare-annual-enrollment-period/

What Agents Forget to Do When Preparing for Appointments: https://ritterim.com/blog/what-agents-forget-to-do-when-preparing-for-appointments/

Joplin, www.joplinapp.org/. Accessed 14 Oct. 2024.

“Joplin Cloud Plans.” Joplin, www.joplinapp.org/plans/. Accessed 14 Oct. 2024.

“Team Communication Software: Business & Team Chat App - Zoho Cliq.” Zoho, www.zoho.com/cliq/. Accessed 14 Oct. 2024.

“Zoho Projects Pricing Plans.” Zoho, pricing.html">www.zoho.com/projects/zohoprojects-pricing.html. Accessed 14 Oct. 2024.

“Zoho Projects: Online Project Management Platform.” Zoho, www.zoho.com/projects/. Accessed 14 Oct. 2024.

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 (fka) Twitter, https://twitter.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/

3 Insurance Business Tools You Absolutely Can’t Live Without: https://ritterim.com/the-ultimate-agent-resource-list/

Affinity Partnerships for Insurance Agents: https://link.chtbl.com/ASG617

Apps for Tracking Business Expenses: https://link.chtbl.com/ASGA67

Cultivating Growth in Your Insurance Agency and Life ft. Jen Flere: https://link.chtbl.com/ASGM20230410

Discover More About MedicareCENTER & Ask Integrity: https://ritterim.com/integrity-tools/

How Ritter Supports Agents: https://ritterim.com/support/

Habit & Mood Tracker Apps: https://link.chtbl.com/ASGA048 

Overcome Stress with Niksen: The Art of Doing Nothing: https://link.chtbl.com/ASGM20240520

“4 Steps to Beating Burnout.” Harvard Business Review, www.hbr.org/2016/11/beating-burnout . Accessed 28 Oct. 2024.

“5 Consequences of Overworking Employees for Your Business.” ActivTrak, 5 May 2024, www.activtrak.com/blog/consequences-of-overworking-employees/.

Edú-Valsania, Sergio, et al. “Burnout: A Review of Theory and Measurement.” MDPI, Multidisciplinary Digital Publishing Institute, 4 Feb. 2022, www.mdpi.com/1660-4601/19/3/1780.

Harper, Caitlin. “How to Build a Support System for Your Mental Health.” MyWellbeing, 22 June 2023, www.mywellbeing.com/therapy-101/how-to-build-a-support-system.

Fraga, Juli. “How to Identify and Prevent Burnout.” Healthline, Healthline Media, www.healthline.com/health/tips-for-identifying-and-preventing-burnout. Accessed 28 Oct. 2024.

“Is Work Overload Hurting Your Organization’s Performance?” Calm, 29 July 2024, www.business.calm.com/resources/blog/is-work-overload-hurting-your-organizations-performance/.

“Preventing Burnout: 7 Strategies and When to Seek Help.” Medical News Today, www.medicalnewstoday.com/articles/preventing-burnout. Accessed 28 Oct. 2024.

“The Health Benefits of Good Friends.” Mayo Clinic, Mayo Foundation for Medical Education and Research, 15 Oct. 2024, www.mayoclinic.org/healthy-lifestyle/adult-health/in-depth/friendships/art-20044860.

“The Research Is Clear: Long Hours Backfire for People and for Companies.” Harvard Business Review, 28 Dec. 2015, www.hbr.org/2015/08/the-research-is-clear-long-hours-backfire-for-people-and-for-companies.

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 (fka) Twitter, https://twitter.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. 

10 Tips to Submitting an Error-Free Medicare Enrollment Application: https://ritterim.com/blog/10-tips-to-submitting-an-error-free-medicare-enrollment-application/

A Review of Integrity's Top Medicare Quoting Tools: https://ritterim.com/blog/a-review-of-the-integrity-offered-medicare-quoting-software/

KFF 2025 Medicare Part D Snapshot Report: https://link.chtbl.com/ASGF20241018

The 2025 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20241015

The Complete Guide on How to Sell Medicare Advantage Plans: https://ritterim.com/medicare-advantage-ebook/

The Complete Guide to Client Loyalty and Retention: https://ritterim.com/client-retention-guide/

The Definitive Guide to Getting Leads and Prospecting for Medicare Sales: https://ritterim.com/lead-generation-guide/

The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024

What Agents Forget to Do When Preparing for Appointments: https://link.chtbl.com/ASG6245

What CMS Requires Medicare Agents to Discuss Prior to Enrollments: https://ritterim.com/blog/what-cms-requires-medicare-agents-to-discuss-prior-to-enrollments/

What to Do if Your Medicare Part D Plans Become Non-Commissionable: https://link.chtbl.com/ASGN20241005

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://twitter.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/

• CMS Updates Enrollment Process for EDE & DE Platforms
• WPS Data Breach Leads to Issue of New Medicare Beneficiary Identifiers
• Student Loan Forgiveness Update
• Apple AirPods Pro Hearing Tools Launch
• Apple Intelligence iOS 18.1 Features

“CMS Roundup (October. 18, 2024).” CMS.Gov, Centers for Medicare & Medicaid Services, 18 Oct. 2024, www.cms.gov/newsroom/cms-round-up/cms-roundup-october-18-2024.

“Direct Enrollment and Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/agents-brokers/direct-enrollment-partners. Accessed 31 Oct. 2024.

“HealthCare.Gov Contact Information.” HealthCare.Gov, HealthCare.gov, www.healthcare.gov/contact-us/. Accessed 31 Oct. 2024.

“HealthSherpa for Agents.” HealthSherpa.Com, HealthSherpa, www.healthsherpa.com/agents/features. Accessed 31 Oct. 2024.

Alder, Steve. “CMS Confirms 3.1 Million Individuals Affected by MOVEit Hack on Wisconsin Physicians Service.” Hipaajournal.Com, The HIPAA Journal, 25 Sept. 2024, www.hipaajournal.com/cms-wisconsin-physicians-service-moveit-hack/.

“CMS Notifies Additional Individuals Potentially Impacted by MOVEit Data Breach.” CMS.Gov, Centers for Medicare & Medicaid Services, 16 Nov. 2023, www.cms.gov/newsroom/press-releases/cms-notifies-additional-individuals-potentially-impacted-moveit-data-breach.

“CMS Notifies Individuals Potentially Impacted by Data Breach.” CMS.Gov, Centers for Medicare & Medicaid Services, 6 Sept. 2024, www.cms.gov/newsroom/press-releases/cms-notifies-individuals-potentially-impacted-data-breach.

“CMS Responding to Data Breach at Contractor.” CMS.Gov, Centers for Medicare & Medicaid Services, 28 July 2023, www.cms.gov/newsroom/press-releases/cms-responding-data-breach-contractor.

Olsen, Emily. “CMS Says Data Breach at Contractor Could Affect More than 946,000 Medicare Beneficiaries.” Healthcare Dive, Healthcare Dive, 9 Sept. 2024, www.healthcaredive.com/news/cms-wisconsin-physicians-service-insurance-corporation-moveit-data-breach/726416/.

Goodin, Dan. “Casualties Keep Growing in This Month’s Mass Exploitation of Moveit 0-Day.” Arstechnica.Com, Ars Technica, 27 June 2023, arstechnica.com/security/2023/06/casualties-keep-growing-in-this-months-mass-exploitation-of-moveit-0-day/.

“Over 940,000 Medicare Beneficiaries Impacted by Data Breach.” Jdsupra.Com, JD Supra, 24 Oct. 2024, www.jdsupra.com/legalnews/over-940-000-medicare-beneficiaries-1539983/.

Reed, Jonathan. “The MOVEIT Breach Impact and Fallout: How Can You Respond?” Securityintelligence.Com, Security Intelligence, 23 Oct. 2024, securityintelligence.com/news/the-moveit-breach-impact-and-fallout-how-can-you-respond/.

Gibson, Kate. “Biden Administration Extends Repayment Freeze for 8 Million Student Loan Borrowers.” Edited by Alain Sherter, Cbsnews.Com, CBS News, 21 Oct. 2024, www.cbsnews.com/news/student-loan-forgiveness-payment-biden/.

Cavanaugh, Lynn. “Biden Freezes Student Loan Repayments for 6 Months for 8M Borrowers.” Benefitspro.Com, BenefitsPro, 22 Oct. 2024, www.benefitspro.com/2024/10/22/biden-freezes-student-loan-repayments-for-6-months-for-8m-borrowers/.

“Biden-Harris Administration Releases Proposed Rules to Authorize Debt Relief to Nearly Eight Million Borrowers Experiencing Hardship.” Ed.Gov, U.S. Department of Education, 25 Oct. 2024, www.ed.gov/about/news/press-release/biden-harris-administration-releases-proposed-rules-authorize-debt-relief.

Cavanaugh, Lynn. “Biden’s New Student Loan Forgiveness Plan: A 3rd Attempt at Debt Cancellation for 8M.” Benefitspro.Com, BenefitsPro, 28 Oct. 2024, www.benefitspro.com/2024/10/28/bidens-new-student-loan-forgiveness-plan-a-3rd-attempt-at-debt-cancellation-for-8m/.

Johnston, Courtney. “Biden’s New Student Loan Forgiveness Plan Could Offer Debt Relief to 8 Million Borrowers.” Cnet.Com, CNET, 25 Oct. 2024, www.cnet.com/personal-finance/loans/bidens-new-student-loan-forgiveness-plan-could-offer-debt-relief-to-8-million-borrowers/.

“Department of Education Updates on Saving on a Valuable Education (SAVE Plan).” Ed.Gov, U.S. Department of Education, 24 Oct. 2024, www.ed.gov/higher-education/manage-your-loans/save-plan.

“SAVE Plan Court Actions: Impact on Borrowers.” Studentaid.Gov, Federal Student Aid, 2 Oct. 2024, studentaid.gov/announcements-events/save-court-actions.

“Student Debt Relief Hardship.” Ed.Gov, U.S. Department of Education, www.ed.gov/media/document/nprm-hardship-sldr. Accessed 30 Oct. 2024.

Zimmer, Evan. “Student Loan Payment Pause Extended for 6 More Months for SAVE Borrowers.” Cnet.Com, CNET, 21 Oct. 2024, www.cnet.com/personal-finance/loans/student-loan-payment-pause-extended-for-6-more-months-for-save-borrowers/.

“Airpods Pro 2 - Hearing Health.” Apple, Apple, www.apple.com/airpods-pro/hearing-health/. Accessed 31 Oct. 2024.

Welch, Chris. “Apple’s Airpods pro Just Got Much Better - No Matter What Port Is on the Case.” Theverge.Com, The Verge, 18 Sept. 2023, www.theverge.com/23878402/apple-airpods-pro-usb-c-adaptive-audio-conversation-awareness-test-review.

Steele, Billy. “Apple’s Airpods pro Hearing Health Tools Could Normalize Wearing Earbuds Everywhere.” Engadget.Com, Engadget, 29 Oct. 2024, airpods-pro-hearing-health-tools-could-normalize-wearing-earbuds-everywhere-140054858.html">www.engadget.com/audio/headphones/apples-airpods-pro-hearing-health-tools-could-normalize-wearing-earbuds-everywhere-140054858.html.

“Apple Introduces Airpods 4 and a Hearing Health Experience with Airpods Pro 2.” Apple.Com, Apple, 29 Oct. 2024, www.apple.com/newsroom/2024/09/apple-introduces-airpods-4-and-a-hearing-health-experience-with-airpods-pro-2/.

“How Apple Developed the World’s First End-to-End Hearing Health Experience.” Apple.Com, Apple, 30 Oct. 2024, www.apple.com/newsroom/2024/10/how-apple-developed-the-worlds-first-end-to-end-hearing-health-experience/.

Welch, Chris. “How to Take the Apple Hearing Test.” Theverge.Com, The Verge, 28 Oct. 2024, www.theverge.com/24278477/apple-hearing-test-how-to.

Shastri, Devi. “Apple Airpods Pro’s New Hearing Aid Feature Could Help People Face a Problem They’d Rather Ignore.” Apnews.Com, AP News, 28 Oct. 2024, apnews.com/article/hearing-aids-airpods-apple-android-fsa-hsa-e0f243bcaff9b4c5b5068b546012b338.

Cadwell, Blake. “How to Use Airpods as Hearing Aids (with Screenshots).” Edited by Amy Sarow, Soundly.Com, Soundly., 28 Oct. 2024, www.soundly.com/blog/airpods-as-hearing-aids.

Ulanoff, Lance. “I’m Done Being Rude to People Thanks to Adaptive Audio on Airpods Pro 2.” Techradar.Com, TechRadar, 19 Sept. 2023, www.techradar.com/audio/im-done-being-rude-to-people-thanks-to-adaptive-audio-on-airpods-pro-2.

Carey, Bridget. “I Tested the Apple Airpod pro 2 Hearing Aid Software Early. Here’s Everything You Need to Know.” Cnet.Com, CNET, 21 Oct. 2024, www.cnet.com/tech/mobile/i-tested-the-apple-airpod-pro-2-hearing-aid-software-early-heres-everything-you-need-to-know/.

Crouse, Megan. “Apple Intelligence Cheat Sheet: A Complete Guide for 2024.” Techrepublic.Com, TechRepublic, 29 Oct. 2024, www.techrepublic.com/article/apple-intelligence-cheat-sheet/.

Disotto, John-Anthony. “Apple Intelligence Features Explained - Everything You Need to Know about Apple AI and When You Can Use It.” Techradar.Com, TechRadar, 11 Sept. 2024, www.techradar.com/computing/artificial-intelligence/apple-intelligence-features-explained-everything-you-need-to-know-about-apple-ai-and-when-you-can-use-it.

“Apple Intelligence Is Available Today on iPhone, iPad, and Mac.” Apple.Com, Apple Newsroom, 29 Oct. 2024, www.apple.com/newsroom/2024/10/apple-intelligence-is-available-today-on-iphone-ipad-and-mac/.

Ortiz, Sabrina. “Can’t Find Apple’s AI Features after Upgrading to iOS 18.1? Do This.” Zdnet.Com, ZDNET, 29 Oct. 2024, www.zdnet.com/article/cant-find-apples-ai-features-after-upgrading-to-ios-18-1-do-this/.

Carlson, Jeff. “If You Want Apple Intelligence on Your iPhone, Here’s What You Need to Do.” Cnet.Com, CNET, 29 Oct. 2024, www.cnet.com/tech/services-and-software/if-you-want-apple-intelligence-on-your-iphone-heres-what-you-need-to-do/.

Miller, Chance. “iOS 18.2 with New Apple Intelligence Features Coming in December, Apple Confirms.” 9to5mac.Com, 9to5Mac, 28 Oct. 2024, 9to5mac.com/2024/10/28/ios-18-2-release-date/.

Michaels, Philip. “iOS 18 Memory Movie Is One of Apple Intelligence’s Best Features - Here’s How to Use It.” Tomsguide.Com, Tom’s Guide, 26 Sept. 2024, www.tomsguide.com/phones/iphones/how-to-create-a-memory-movie-with-apple-intelligence-on-your-iphone.

Priday, Richard. “I Tried All New Apple Intelligence Features in IOS 18.1 - Here’s the Best (and Worst).” Tomsguide.Com, Tom’s Guide, 28 Oct. 2024, www.tomsguide.com/phones/iphones/i-tried-all-new-apple-intelligence-features-in-ios-18-1-heres-the-best-and-worst.

Carlson, Jeff. “These 3 Apple Intelligence Features in IOS 18.1 Are the Ones You’ll Actually Use.” Cnet.Com, CNET, 30 Oct. 2024, www.cnet.com/tech/services-and-software/these-3-apple-intelligence-features-in-ios-18-1-are-the-ones-youll-actually-use/.

1 Million New Medicare Beneficiary Identifiers to be Issued After WPS Data Breach: https://ritterim.com/blog/1-million-new-medicare-beneficiary-identifiers-to-be-issued-after-wps-data-breach/

ACA 101: Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248

CMS Implements Marketplace Security Enhancements for EDE & DE Pathways: https://ritterim.com/blog/cms-implements-marketplace-security-enhancements-for-ede-and-de-pathways/

How Ask Integrity Can Streamline Your Medicare Sales Appointments: https://link.chtbl.com/ASG6255

How to Ask Your Current Clients for Referrals: https://link.chtbl.com/ASG623  

How to Stay Compliant During All Medicare Sales: https://link.chtbl.com/ASG628

Key Changes for ACA Open Enrollment 2025 ft. Ross Baker from HealthSherpa: https://link.chtbl.com/ASG2024RossBaker

Simplify Marketplace Enrollments with HealthSherpa: https://link.chtbl.com/ASG627

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://twitter.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/

Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Not affiliated with or endorsed by Medicare or any government agency.

Common Questions From Secret Shoppers PDF: questions-for-secret-shoppers.pdf">https://ritterim.com/documents/infographics/common-questions-for-secret-shoppers.pdf

FAQs About the Medicare Call Recording Requirements: https://ritterim.com/blog/faqs-about-the-medicare-call-recording-requirements/

Get Your PlanEnroll Site: https://ritterim.com/planenroll/

How to Keep Clients Safe from Insurance Fraud: https://link.chtbl.com/ASG619

Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You: https://link.chtbl.com/ASG622

Join the Integrity Family: https://identity.integrity.com/register

Learn More About Integrity Tools: https://ritterim.com/integrity-tools/

What Agents Can’t Say During Medicare Sales Appointments: https://link.chtbl.com/ASG6245

What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales: https://ritterim.com/blog/what-to-know-about-soas-in-medicare-health-and-prescription-drug-plan-sales/

Where It All Begins: Obtaining Permission to Contact for Medicare Sales: https://ritterim.com/blog/where-it-all-begins-obtaining-permission-to-contact-for-medicare-sales/

“2024 Medicare Advantage and Part D Final Rule (CMS-4201-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 5 Apr. 2023, www.cms.gov/newsroom/fact-sheets/2024-medicare-advantage-and-part-d-final-rule-cms-4201-f.

“Contract Year 2025 Medicare Advantage and Part D Final Rule (CMS-4205-F).” CMS.Gov, Centers for Medicare & Medicaid Services, 4 Apr. 2024, www.cms.gov/newsroom/fact-sheets/contract-year-2025-medicare-advantage-and-part-d-final-rule-cms-4205-f.

“Medicare Program; Contract Year 2023 Policy and Technical Changes to the Medicare Advantage and Medicare Prescription Drug Benefit Programs; Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency; Additional Policy and Regulatory Revisions in Response to the COVID-19 Public Health Emergency.” Federal Register, www.federalregister.gov/documents/2022/05/09/2022-09375/medicare-program-contract-year-2023-policy-and-technical-changes-to-the-medicare-advantage-and. Accessed 23 Oct. 2024.

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 (fka) Twitter, https://twitter.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.

5 Myths About Selling ACA Health Plans: https://ritterim.com/blog/5-myths-about-selling-aca-health-plans/

ACA 101:Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248

Carriers & Products with Ritter: https://ritterim.com/products/by-carrier/

Create a HealthSherpa Account Through Ritter: https://docs.ritterim.com/products/under-65-health/#create-a-healthsherpa-account

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 Agents Can Protect Clients from Unauthorized ACA Plan Switching: https://ritterim.com/blog/how-agents-can-protect-clients-from-unauthorized-aca-plan-switching/

Key Changes for ACA Open Enrollment 2025 ft. Ross Baker from HealthSherpa: https://link.chtbl.com/ASG2024RossBaker

Meet Your Sales Team: https://ritterim.com/meet-your-sales-team/

New Required Document Agents Need for ACA Sales: https://ritterim.com/blog/new-required-documents-agents-need-for-aca-sales/

Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/

“Agent Help Center.” HealthSherpa Help Center, HealthSherpa, www.faq.healthsherpa.com/en/collections/166253-agent-help-center. Accessed 21 Oct. 2024.

“Direct Enrollment and Enhanced Direct Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/marketplace/agents-brokers/direct-enrollment-partners. Accessed 21 Oct. 2024.

“Enhanced Direct Enrollment.” HealthSherpa, www.healthsherpa.com/ede. Accessed 21 Oct. 2024.

“Free Preventive Care & the Affordable Care Act.” HealthSherpa, www.healthsherpa.com/preventive-care-services. Accessed 21 Oct. 2024.

“HealthSherpa Privacy Notice.” HealthSherpa, 5 Oct. 2020, www.healthsherpa.com/privacy_notice.

“Maximize Your ACA Revenue with HealthSherpa.” HealthSherpa, www.healthsherpa.com/carrier. Accessed 21 Oct. 2024.

“Member Defense Network: Ensuring Health Insurance Marketplace Integrity.” Member Defense Network, www.memberdefense.org/. Accessed 21 Oct. 2024.

“Secure Your ACA Book with Two-Factor Authentication.” HealthSherpa Blog, HealthSherpa, https://blog.healthsherpa.com/agents/agent-2fa/. Accessed 21 Oct. 2024.

“Welcome to the Health Insurance Marketplace®.” HealthCare.Gov, www.healthcare.gov/. Accessed 21 Oct. 2024.

“Work your ACA book faster and easier.” HealthSherpa, www.healthsherpa.com/agents/features. Accessed 21 Oct. 2024.

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://twitter.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/

How to Ask Your Current Clients for Referrals: https://ritterim.com/blog/how-to-ask-your-current-clients-for-referrals/

Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/

Signs It’s Time to Expand Your Insurance Portfolio & Make the Move: https://link.chtbl.com/ASG605

The Insurance Agent’s Guide to Generating Referrals FREE eBook download: https://ritterim.com/insurance-referral-generation/

Understanding Medicare Advantage Training: https://ritterim.com/knight-school/solid-foundation/understanding-medicare-advantage/1/

GA Foods, GA Foods, www.gafoods.com/. Accessed 16 Aug. 2024.

Freed, Meredith, et al. “Medicare Advantage in 2024: Enrollment Update and Key Trends.” KFF, KFF, 8 Aug. 2024, www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-enrollment-update-and-key-trends/.

Freed, Meredith, et al. “Medicare Advantage in 2024: Premiums, Out-of-Pocket Limits, Supplemental Benefits, and Prior Authorization.” KFF, KFF, 8 Aug. 2024, www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-premiums-out-of-pocket-limits-supplemental-benefits-and-prior-authorization/.

“Medicare Monthly Enrollment.” Centers for Medicare & Medicaid Services Data, Centers for Medicare & Medicaid

Services, 16 July 2024, https://data.cms.gov/summary-statistics-on-beneficiary-enrollment/medicare-and-medicaid-reports/medicare-monthly-enrollment.

Mom’s Meals, Mom’s Meals, www.momsmeals.com/. Accessed 16 Aug. 2024.

SilverSneakers, SilverSneakers, https://tools.silversneakers.com/. Accessed 16 Aug. 2024.

“Silver&Fit.” Silverandfit.com, Silver&Fit, www.silverandfit.com/. Accessed 16 Aug. 2024.

Levy, Alexis, et al. “Supplemental Benefit Trends 2023.” HealthScape, Chartis, 14 Feb. 2023, www.healthscape.com/insights/supplemental-benefit-trends-2023/.

Badger, Cary. “The Rise of Over-the-Counter Programs in Medicare Advantage Plans.” HealthScape, Chartis, 30 Apr. 2019, www.healthscape.com/insights/the-rise-of-over-the-counter-otc-benefits-in-medicare-advantage/.

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://twitter.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/

• Adobe Fresco Now Completely Free for Everyone
• Amazon and Walmart Announce Pharmacy Delivery Expansions
• Stride 2025 Open Enrollment Study
• KFF Analysis on Med Supp Enrollment Data
• Medigap Deductibles and OOP Costs for 2025

Foley, Joe. “Adobe Fresco Is Now Completely Free for All.” Creative Bloq, Creative Bloq, 23 Oct. 2024, www.creativebloq.com/art/digital-art/adobe-fresco-is-now-completely-free-for-all.

Gan, Jeremy. “Adobe Fresco’s Previously Paywalled Features Are Now Free for Everyone.” Engadget, Engadget, 23 Oct. 2024, frescos-previously-paywalled-features-are-now-free-for-everyone-141956420.html">www.engadget.com/apps/adobe-frescos-previously-paywalled-features-are-now-free-for-everyone-141956420.html.

Weatherbed, Jess. “Adobe Made Its Painting App Completely Free to Take on Procreate.” The Verge, The Verge, 23 Oct. 2024, www.theverge.com/2024/10/23/24277533/adobe-fresco-painting-app-free-availablility-procreate.

“Digital Painting and Drawing App | Adobe Fresco.” Adobe.Com, Adobe, www.adobe.com/products/fresco.html. Accessed 24 Oct. 2024.

Accelerating Convenience: Walmart Launches Nationwide Same-Day Pharmacy Delivery, Helping Customers Live Better, 22 Oct. 2024, corporate.walmart.com/news/2024/10/22/accelerating-convenience-walmart-launches-nationwide-same-day-pharmacy-delivery-helping-customers-live-better.

“Amazon Pharmacy Plans to Expand Same-Day Delivery of Medications to Nearly Half the US in 2025.” Amazon.Com, Amazon, 9 Oct. 2024, www.aboutamazon.com/news/retail/amazon-pharmacy-expands-same-day-prescription-delivery-united-states.

Dr. Sai Balasubramanian, M.D. “Amazon Pharmacy’s Rapid Growth Will Soon Make Instant Access to Medication the New Normal.” Forbes.Com, Forbes, 16 Oct. 2024, www.forbes.com/sites/saibala/2024/10/14/amazon-pharmacys-rapid-growth-will-soon-make-instant-access-to-medication-the-new-normal/.

Palmer, Annie. “Amazon Same-Day Prescription Delivery Expanding to Nearly Half of U.S. in 2025.” Cnbc.Com, CNBC, 9 Oct. 2024, same-day-prescription-delivery-expanding-to-half-of-us-in-2025.html">www.cnbc.com/2024/10/09/amazon-same-day-prescription-delivery-expanding-to-half-of-us-in-2025.html.

Tong, Noah. “Walmart Offers Same-Day Prescription Delivery with Plans to Reach 49 States.” Fiercehealthcare.Com, Fierce Healthcare, 22 Oct. 2024, www.fiercehealthcare.com/retail/hlth24-walmart-simplify-online-pharmacy-orders-49-states.

Gibson, Kate. “Walmart Plans to Deliver Prescriptions Nationwide in as Little as 30 Minutes.” Edited by Alain Sherter, Cbsnews.Com, CBS, 22 Oct. 2024, www.cbsnews.com/news/walmart-prescription-delivery-amazon/.

“2025 Annual Open Enrollment Survey - A New Report from Stride.” Blog.Stridehealth.Com, Stride Health, 17 Oct. 2024, blog.stridehealth.com/open-enrollment-2025survey.

Popke, Michael. “Almost 75% of ACA Buyers Will Not Compare Plans for 2025.” Benefitspro.Com, BenefitsPro, 21 Oct. 2024, www.benefitspro.com/2024/10/21/almost-75-of-aca-buyers-will-not-compare-plans-for-2025/.

Freed, Meredith, Nancy Ochieng, et al. “Key Facts about Medigap Enrollment and Premiums for Medicare Beneficiaries.” KFF, KFF, 18 Oct. 2024, www.kff.org/medicare/issue-brief/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/.

“Medicare Supplement Enrollment Down Slightly in 2023.” Markfarrah.Com, Mark Farrah Associates, 28 May 2024, www.markfarrah.com/mfa-briefs/medicare-supplement-enrollment-down-slightly-in-2023.

Freed, Meredith, Nancy Ochieng, et al. “Medigap May Be Elusive for Medicare Beneficiaries with Pre-Existing Conditions - Issue Brief - 10506.” KFF, KFF, 18 Oct. 2024, www.kff.org/report-section/medigap-may-be-elusive-for-medicare-beneficiaries-with-pre-existing-conditions-issue-brief/.

“F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/f-g-j-deductible-announcements. Accessed 23 Oct. 2024.

“K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 23 Oct. 2024.

Resources:

ACA 101: Selling Under-65 Health Insurance: https://link.chtbl.com/ASG6248

Helping Clients with Marketplace Eligibility Appeals: https://link.chtbl.com/ASG624

How to Ask Your Current Clients for Referrals: https://link.chtbl.com/ASG623

KFF 2025 Medicare Part D Snapshot Report: https://link.chtbl.com/ASGF20241018

The 2025 COLA Increase & How It Affects Your Clients: https://link.chtbl.com/ASGN20241015

The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://link.chtbl.com/ASGTedSims2024

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://twitter.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/

Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

Ask Integrity™ and its features: https://integrity.com/ask-integrity/ 

Integrity Tools: https://ritterim.com/integrity-tools/

MedicareCENTER: https://integrity.com/medicarecenter/

Not partnered with Integrity? Register here: https://identity.integrity.com/register

Ritter Registration: https://app.ritterim.com/public/registration/

What to Do If Your Medicare Part D Plans Become Non-Commissionable: https://ritterim.com/blog/what-to-do-if-your-medicare-part-d-plans-become-non-commissionable/

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://twitter.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/

Libby: https://libbyapp.com/ 

Everand: https://www.everand.com/ 

Kobo Books: https://www.kobo.com/us/en  

Agent’s Guide to Phone Communication Resources: https://link.chtbl.com/ASG608

Apps for Tracking Business Expenses: https://link.chtbl.com/ASGA67

Best Video Editing Apps for Social Media: https://link.chtbl.com/ASGA69

Modern Medicare Marketing for Today’s Agents FREE eBook Download: https://ritterim.com/modern-marketing-guide/

The Best Books for Insurance Agents: https://link.chtbl.com/ASG590

“Ebooks, Audiobooks & More - Read Free for 30 Days.” Everand, www.everand.com/. Accessed 8 Oct. 2024.

“Kobo.Com United States Store - Ebooks, Audiobooks, Ereaders and Reading Apps.” Kobo, www.kobo.com/us/en. Accessed 8 Oct. 2024.

Libby, www.libbyapp.com/. Accessed 8 Oct. 2024.

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://twitter.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/