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  • Five Things From the 2025 Budget Reconciliation Bill

    Five Things From the 2025 Budget Reconciliation Bill
    2025/07/11
    In this week’s Friday Five, Sarah gives her first impressions on what agents need to know about the 2025 Budget Reconciliation Bill. Learn more about what’s changed for Medicare, Medicaid, ACA, and more! Get Connected: 🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast! 💌Send feedback, questions, and topic suggestions to ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: 2025 ACA Marketplace Integrity & Affordability Final Rule Takeaways 2026 Medicare Advantage and Part D Certification Info Key Takeaways From the 2025 Marketplace Integrity and Affordability CMS Final Rule Summer 2025 Survival Guide References: Konish, Lorie. “‘Big Beautiful Bill’ May Help Some Seniors on Social Security. But It Doesn’t Eliminate Taxes on Benefits.” CNBC.Com, CNBC, 8 July 2025, www.cnbc.com/2025/07/07/why-big-beautiful-bill-doesnt-end-taxes-on-social-security-benefits.html. “Health Provisions in the 2025 Federal Budget Reconciliation Bill.” KFF.Org, KFF, 5 July 2025, www.kff.org/tracking-the-medicaid-provisions-in-the-2025-budget-bill/. Published: Nov 21, 2024. “How Much More Would People Pay in Premiums If the ACA’s Enhanced Subsidies Expired?” KFF, KFF.org, 15 Apr. 2025, www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/. Ortaliza, Jared, et al. “How Will the One Big Beautiful Bill Act Affect the ACA, Medicaid, and the Uninsured Rate?” KFF.Org, KFF, 18 June 2025, www.kff.org/policy-watch/how-will-the-2025-budget-reconciliation-affect-the-aca-medicaid-and-the-uninsured-rate/. “One Big Beautiful Bill Act.” Congress.Gov, Congress, www.congress.gov/bill/119th-congress/house-bill/1/text. Accessed 9 July 2025. “‘One Big Beautiful Bill Act’ Tax Policies: Details and Analysis.” Taxfoundation.Org, Tax Foundation, 7 July 2025, taxfoundation.org/research/all/federal/big-beautiful-bill-senate-gop-tax-plan/. Muoio, Dave. “Trump Signs Big Tax and Spending Bill into Law as Industry Groups Decry Healthcare Cuts.” Fiercehealthcare.Com, Fierce Healthcare, 6 July 2025, www.fiercehealthcare.com/providers/house-votes-218-214-send-reconciliation-bill-trumps-desk. 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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    18 分
  • Field Notes on Partner Marketing Resources

    Field Notes on Partner Marketing Resources
    2025/07/10
    Partnerships can be a powerful growth strategy for your business. Learn more about marketing your business through collaboration and community involvement.

    Read the text version

    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 from the Crowd

    5 Things to Consider When Creating Your Personal Brand

    Community-Based Marketing for Insurance Agents

    Community Engagement & ACA Marketing Suggestions for Agents

    How Relationship Marketing Can Make the Difference in Your Agency

    Modern Medicare Marketing for Today's Agents

    Operating From a People-First Mentality ft. Scott Zimmerman

    Ready to partner with an FMO? Register with Ritter Insurance Marketing!

    The Insurance Agent’s Guide to Establishing Successful Affinity Partnerships

    References:

    “Affinity Marketing: The Art of Building Connections.” Mailchimp.Com, Intuit, mailchimp.com/resources/affinity-marketing/. Accessed 10 June 2025.

    “Complementary Business Definition.” Lawinsider.Com, Law Insider, www.lawinsider.com/dictionary/complementary-business. Accessed 10 June 2025.

    “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-P).” CMS.Gov, CMS, 26 Nov. 2025, www.cms.gov/newsroom/fact-sheets/contract-year-2026-policy-and-technical-changes-medicare-advantage-program-medicare-prescription.

    “Medicare Marketing Guidelines.” CMS.Gov, CMS, www.cms.gov/medicare/health-drug-plans/managed-care-marketing/medicare-guidelines. Accessed 10 June 2025.

    Follow Us on Social!

    Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance

    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel

    Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

    Not affiliated with or endorsed by Medicare or any government agency.
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    10 分
  • Medicare Enrollment Periods Explained

    Medicare Enrollment Periods Explained
    2025/07/09
    We’ve got the breakdown of all the Medicare and Medicare Advantage enrollment periods that beginner agents need to know. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Resources: 10 Essential Tools for Beginner Insurance Agents: https://ritterim.com/blog/10-essential-tools-for-beginner-insurance-agents/ Apps for Comparing Healthcare & Prescriptions: https://lnk.to/ASGA85 Medicare Advantage Open Enrollment Do’s and Don’ts: https://ritterim.com/blog/medicare-advantage-open-enrollment-dos-and-donts/ Self-Guided Training with Knight School: https://ritterim.com/knight-school/ The Difference Between Medicare & Medicaid: https://lnk.to/ASGAE01 What is AHIP Certification and How Do I Get It? https://lnk.to/asg672 References: Franchina, Chris. “AEP vs. OEP: Understanding the Differences for Medicare.” Policy Engineer, 11 Jan. 2025, https://policyengineer.com/aep-vs-oep-understanding-the-differences-for-medicare/. “Get Ready to Buy.” Medicare.Gov, https://www.medicare.gov/health-drug-plans/medigap/ready-to-buy. Accessed 17 June 2025. “Joining a Plan.” Medicare, “Joining a Plan.” Medicare, www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan. Accessed 10 June 2025. Worstell, Christian. “Medicare AEP vs. OEP: Know Your Enrollment Periods.” Medicare AEP vs. OEP | How to Enroll or Change Your Medicare Plan | MedicareAdvantage.Com, MedicareAdvantage.com, 18 Mar. 2025, https://www.medicareadvantage.com/enrollment/medicare-aep-vs-oep. “Medicare Open Enrollment.” CMS.Gov, https://www.cms.gov/priorities/key-initiatives/medicare-open-enrollment-partner-resources. Accessed 10 June 2025. “Medicare Open Enrollment Fact Sheet 2025.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/files/document/2024-medicare-open-enrollment-fact-sheet.pdf. Accessed 10 June 2025. “Special Enrollment Periods.” Medicare, Medicare.gov, https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods. Accessed 10 June 2025. “What Is the Medicare Annual Enrollment Period? | News & Articles | UnitedHealthcare.” UHC.Com, UnitedHealthcare, https://www.uhc.com/news-articles/medicare-articles/what-is-the-medicare-annual-enrollment-period. Accessed 10 June 2025. “What If I Missed My Initial Enrollment Period? | News & Articles | UnitedHealthcare.” UHC.Com, UnitedHealthcare, https://www.uhc.com/news-articles/medicare-articles/what-if-i-missed-my-initial-enrollment-period. Accessed 10 June 2025. “What Is the Medicare General Enrollment Period?” NOCA.Org, National Counsel of Aging, https://www.ncoa.org/article/a-closer-look-at-the-medicare-general-enrollment-period/. Accessed 10 June 2025. Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/ Not affiliated with or endorsed by Medicare or any government agency.
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    13 分
  • Field Notes on Digital Marketing Resources

    Field Notes on Digital Marketing Resources
    2025/07/08
    Take your business into the modern world of digital marketing. We’ve compiled the ultimate guide to getting started, tips, resources, and more! Read the text version Register with Ritter Insurance Marketing Full-Service Digital Marketing Services: $99 Social ConciergeBee Disruptive Advertising Firebelly MarketingHubstaff Talent Ignite Visibility KlientBoostLinkedIn Lyfe Marketing ReminderMedia SEO DiscoveryUpwork Self-Service Digital Marketing Options: Buffer Constant Contact GoDaddy Google Ads HostGator HubSpot MailChimp Semrush SEO Meta in 1 Click Social Bee Squarespace Wix Resources: 3 Insurance Business Tools You Absolutely Can’t Live Without Ritter Insurance Marketing Agent Compliance Handbook How to Market Yourself Online Webinar Field Notes on Traditional Marketing Integrity Tools Insurance Agents as TPMOs: What CMS Compliance Regulations Mean for You Introducing The Content Library for Health Insurance Agents Modern Medicare Marketing for Today’s Agents FREE eBook Download PlanEnroll Ritter’s Content Library Ritter Insurance Marketing Registration Form Social Media Marketing for Insurance Agents FREE eBook Download The Ultimate Agent Resource List Pt. 2: Keeping in Touch with Clients References: Kumar, Naveen. “167 Digital Marketing Statistics 2025 [Facts & Growth].” DemandSage, 4 Mar. 2025, https://www.demandsage.com/digital-marketing-statistics/. “Digital Marketing: Everything You Need to Know to Get It Right.” HubSpot Blog, https://blog.hubspot.com/marketing/what-is-digital-marketing. Accessed 16 June 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 16 June 2025. Nguyen, Stephanie T. “Can-SPAM Act: A Compliance Guide for Business.” Federal Trade Commission, 24 Jan. 2025, https://www.ftc.gov/business-guidance/resources/can-spam-act-compliance-guide-business/ . “Subpart V—Medicare Advantage Communication Requirements.” Code of Federal Regulations, eCFR.gov, https://www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 16 June 2025. “Writing Alt Text for Infographics: Quick Tips.” WCAG Audits, ADA Accessibility Audits & Section 508 Audits, Bureau of Internet Accessibility, 7 Nov. 2023, https://www.boia.org/blog/writing-alt-text-for-infographics-quick-tips. 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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    22 分
  • Field Notes on Traditional Marketing Resources

    Field Notes on Traditional Marketing Resources
    2025/07/07
    Learn how to promote your insurance business with traditional marketing strategies. We cover what agents should know: marketing materials, use cases, and where to find resources!

    Partner Resources:

    AllOver Media

    Lead Concepts

    LeadingResponse

    ReminderMedia Branded Magazine Info

    Ritter Agents working with ReminderMedia

    Design Resources:

    99Designs

    Fiverr

    Freelancer

    Upwork

    Print Resources:

    4imprint

    Carvertise

    FASTSIGNS

    Lead Concepts

    MOO

    Office Depot Printing Services

    Printful

    Staples Print & Marketing Services

    Sticker Mule

    Vistaprint

    Wrapify

    Ritter Resources:

    8 Relationship Marketing Strategies for Insurance Agents featuring ReminderMedia’s Luke Acree and Andrew Saksa

    Get Access to Exclusive Leads When You Become a PlanEnroll Network Agent

    Integrity Official Site

    Integrity Tools

    LeadCENTER

    MedicareCENTER

    MedicareCENTER FAQs

    PlanEnroll FAQs

    Read The Ultimate Agent Resource List Part 1

    Register with Ritter Insurance Marketing

    ShopRitterIM

    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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    34 分
  • Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo

    Setting Up Your Insurance Business Structure ft. Frank Lavery & Justin Abodalo
    2025/07/01

    Ever thought about incorporating your insurance business? Not sure if it’s the right move? In this episode, Sarah is joined by attorneys Frank Lavery and Justin Abodalo to learn more about business entities and how they’re structured. Frank focuses on the corporate law side, while Justin specializes in tax implications. Listen as theyir share their knowledge and weigh the pros and cons of each business structure option.

    Find Frank Lavery Online:

    LinkedIn: https://www.linkedin.com/in/frank-lavery-a05a57255/

    McNees: https://www.mcneeslaw.com/people/frank-lavery/

    Find Justin Abodalo Online:

    LinkedIn: https://www.linkedin.com/in/justin-abodalo-463b3547/

    McNees: https://www.mcneeslaw.com/people/justin-abodalo/

    References:

    Finnerty, Timothy, et al. “Closing Call for the Corporate Transparency Act: Fincen Removes Reporting Requirements for Domestic Business Entities.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 27 Mar. 2025, www.mcneeslaw.com/closing-call-corporate-transparency-act-fincen/.

    Abodalo, Justin. “New Digital World, New Category of Form 1099.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 2 Oct. 2024, www.mcneeslaw.com/new-digital-world-form-1099/.

    “Tax and Corporate Law Publications.” Mcneeslaw.Com, McNees Wallace & Nurick LLC, 30 Apr. 2025, www.mcneeslaw.com/practice/corporate-tax/.

    Resources:

    Building the Foundation for Success ft. Roy Snarr: https://lnk.to/snarr2025

    Leveling Up: From Chill Mode to Growth Mode ft. Christian Brindle: https://lnk.to/brindle2025

    Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025

    Register with Ritter Insurance Marketing

    Follow Us on Social!

    Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance

    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel

    Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

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

    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.
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    1 時間 11 分
  • The Pros and Cons of Working with Regional and National Carriers

    The Pros and Cons of Working with Regional and National Carriers
    2025/06/30
    Is business growth on your 2025 goals list? Don't miss this episode! We outline features and drawbacks of the different carrier types to help you fill in portfolio gaps.

    Read the text version

    Request your Free Portfolio Review from the team at Ritter

    Resources:

    Adding Spokes to Your Wheel ft. Robert Rothschild: https://lnk.to/rothschild2025

    Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651

    Learn more about Integrity Tools: https://ritterim.com/integrity-tools/

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

    Operating From a People-First Mentality ft. Scott Zimmerman: https://lnk.to/zimmerman2025

    Portfolio Review Request: https://ritterim.com/portfolio/?utm_source=asg_podcast_link

    Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/?utm_source=asg_podcast_link

    Ritter Insurance Marketing Carriers by State: https://ritterim.com/products/by-carrier/

    Ritter Platform: https://app.ritterim.com/

    Takeaways on Social Media Marketing in 2025: https://lnk.to/asgf20250523

    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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    10 分