🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!

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💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail.

4 Out-of-the-Box Long-Term Care Insurance Solutions

5 Tips for New Insurance Agents

5 Tips for Seasoned Insurance Agents

Annuities vs. 401(k)s: Examining Differences That Can Matter to Clients

Selling Long-Term Care Insurance

What You Need to Know About 1035 Exchanges

“Qualified vs. nonqualified annuities explained.” Thrivent.com, Thrivent, 19 Dec. 2025, https://www.thrivent.com/insights/annuities/qualified-vs-nonqualified-annuities-explained.

Plaehn, Tim. “What is Tax-Qualified Money?” budgeting.thenest.com, The Nest, https://budgeting.thenest.com/can-deferred-compensation-rolled-401k-22900.html. Accessed 15 Jan. 2025.

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

5 Tips for New Insurance Agents

4 Reasons Why Ritter Insurance Marketing Should Be Your FMO Insurance Agency

Developing Power Habits ft. Dr. Noah St. John

IntegrityCONNECT

The Benefits of Joining a Top Insurance FMO

Tips for Working With a Difficult Client

Metz, Jason. “Best Small Business Insurance.” Forbes, Forbes Magazine, 24 Dec. 2025, https://www.forbes.com/advisor/business-insurance/best-small-business-insurance/.

Bonner, Marianne. “Errors and Omissions Insurance: What It Is, How It Works, and Who Needs It.” Investopedia, Investopedia, https://www.investopedia.com/terms/e/errors-omissions-insurance.asp. Accessed 5 Jan. 2026.

Rubin, Paul H. “More Money into Bad Suits - Nytimes.Com.” The New York Times, https://www.nytimes.com/roomfordebate/2010/11/15/investing-in-someone-elses-lawsuit/more-money-into-bad-suits. Accessed 5 Jan. 2026.

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 

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

🤝Register with Ritter Insurance Marketing – the FMO that powers the Agent Survival Guide Podcast!

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💌Send feedback, questions, and topic suggestions to [email protected] or call 1-717-562-7211 and leave a voicemail.

Content Library

eBooks & Guides

List of Ritter Events & Webinars

Freking, Kevin. “House Passes Bill on Government Funding to End Partial Shutdown.” PBS, Public Broadcasting Service, 3 Feb. 2026, www.pbs.org/newshour/politics/watch-live-house-holds-key-procedural-vote-on-government-funding-to-end-partial-shutdown.

“Senate passes government spending package, including healthcare funding.” Fiercehealthcare.com, Fierce Healthcare, 31 Jan. 2026, https://www.fiercehealthcare.com/providers/partial-government-shutdown-looms-threatening-stall-health-funding-package-telehealth.

“Fitbit founders launch AI platform to help families monitor their health.” Technrunch.com, TechCrunch, 3 Feb. 2026, https://techcrunch.com/2026/02/03/fitbit-founders-launch-ai-platform-to-help-families-monitor-their-health/.

“Fitbit’s founders launch a new platform for monitoring your entire family’s health.” Theverge.com, The Verge, 3 Feb. 2026, https://www.theverge.com/tech/872963/fitbit-james-park-eric-friedman-luffu-caregivers-family-health-app.

“Fitbit’s founders push AI into family caregiving.” Axios.com, Axios, 3 Feb. 2026, https://www.axios.com/2026/02/03/fitbit-founders-ai-family-caregiving.

“From the Founders of Fitbit: Introducing Luffu, Your Guardian for Family Health & Safety.” PRNewswire.com, PR Newswire, 3 Feb. 2026, https://www.prnewswire.com/news-releases/from-the-founders-of-fitbit-introducing-luffu-your-guardian-for-family-health--safety-302676975.html.

“Luffu Official Website” luffu.com, Luffu, https://www.luffu.com/, Accessed 3 Feb. 2026.

“Marketplace 2026 Open Enrollment Period Report: National Snapshot.” Cms.gov, Centers for Medicare & Medicaid Services, 28 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-2.

5 Tips for New Insurance Agents

2016 vs. 2026: The Insurance Edition

CMS 2027 MA & Part D Advance Notice

Content Library: Mastering Medicare Insurance Coverage ft. Jeff Snyder

Introducing a Content Marketing Solution for Insurance Agents

IntegrityCONNECT FAQs

Ritter on Facebook, Instagram, LinkedIn, TikTok, X, and YouTube

Sarah on LinkedIn, Instagram, Threads, and Bluesky

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

5 Myths About Selling ACA Health Insurance Plans

How the ACA Subsidy Cliff Impacts Clients Shopping for Marketplace Coverage

How to Assist Clients with Marketplace Household Income Estimations

How to Help Clients Navigate ACA Marketplace Subsides & Taxes

What Are the ACA Marketplace Alternatives for Health Insurance?

“Federal Poverty Level (FPL) - Glossary.” HealthCare.Gov, https://www.healthcare.gov/glossary/federal-poverty-level-fpl/. Accessed 2 Jan. 2026.

Norris, Lousie. “IRS Regulations Fix the ACA’s ‘family Glitch’ as of 2023.” Healthinsurance.Org, healthinsurance.org, 2 Sept. 2025, www.healthinsurance.org/obamacare/irs-regulations-fix-the-acas-family-glitch-as-of-2023/.

“Medicaid Expansion & What It Means for You.” HealthCare.Gov, https://www.healthcare.gov/medicaid-chip/medicaid-expansion-and-you/. Accessed 2 Jan. 2026.

“Poverty Guidelines.” ASPE, https://www.aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Accessed 2 Jan. 2026.

Yearly Guidelines & Thresholds, Updated February 2023 Reference Chart, https://www.healthreformbeyondthebasics.org/wp-content/uploads/2024/08/REFERENCE_YearlyGuidelines_CY2025.pdf. Accessed 2 Jan. 2026.

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 

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

5 Tips for New Insurance Agents

5 Tips for Seasoned Insurance Agents

Why Gen Z is a Good Fit For Selling Insurance

“28 Retirement Statistics You Should Know for 2025.” HarborLifeSettlements.com, HarborLife Settlements, 29 Apr. 2025, https://www.harborlifesettlements.com/retirement-statistics/.

“Annuities Overview.” Finra.org, FINRA, https://www.finra.org/investors/investing/investment-products/annuities. Accessed 15 Jan. 2026.

Schaaf, Janet. “Guide to the Average Savings in America by Age.” SoFi.Com, SoFi, 12 Dec. 2025, www.sofi.com/learn/content/average-savings-by-age.

Tancock, Kat. “How Much You Should Save for Retirement at Every Age” synchrony.com, Synchrony, 29 Jul. 2025, https://www.synchrony.com/blog/bank/retirement-savings-goals-at-every-age.

Baluch, Anna. “How Much Does an Annuity Cost?” Edited by Lamia Chowdhury and John Stevenson, Annuity.Org, Annuity.org, 12 Dec. 2025, www.annuity.org/annuities/fees-and-commissions/.

“S&P 500 Index.” Google.Com, Google Finance, www.google.com/finance/beta/quote/.INX:INDEXSP. Accessed 15 Jan. 2026.

“Single premium immediate annuity (SPIA): Pros, cons & taxes.” Thrivent.com, Thrivent, 26 Aug. 2025, https://www.thrivent.com/insights/annuities/what-is-a-spia.

“Types of fixed deferred annuities: Which is right for you?” thrivent.com, Thrivent, 12 Jan. 2026, https://www.thrivent.com/insights/annuities/types-of-fixed-deferred-annuities-which-is-right-for-you.

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 

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

🤝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 [email protected] or call 1-717-562-7211 and leave a voicemail.

Weatherbed, Jess. "Instagram, Facebook, and WhatsApp will test premium subscriptions." theverge.com, The Verge, 27 Jan. 2026, https://www.theverge.com/news/868439/meta-premium-subscription-ai-facebook-instagram-whatsapp.

"Meta Confirms Testing of Premium Instagram, Facebook and WhatsApp Subscriptions." cnet.com, CNET, 27 Jan. 2026, https://www.cnet.com/news/social-media/meta-confirms-testing-of-premium-instagram-facebook-and-whatsapp-subscriptions/.

"Meta to test premium subscriptions on Instagram, Facebook, and WhatsApp." TechCrunch.com, TechCrunch, 26 Jan. 2026, https://techcrunch.com/2026/01/26/meta-to-test-premium-subscriptions-on-instagram-facebook-and-whatsapp/.

Sato, Kiichiro, "5 things to know about the TikTok deal." Politico.com, Politico, 22 Jan. 2026, https://www.politico.com/news/2026/01/22/5-things-to-know-about-the-tiktok-deal-00743316. 

"Announcement from the new TikTok USDS Joint Venture LLC." newsroom.tiktok.com, TikTok, 22 Jan. 2026, https://newsroom.tiktok.com/announcement-from-the-new-tiktok-usds-joint-venture-llc.

Bell, Karissa. "A TikTok US power outage caused a 'cascading systems failure' leading to multiple bugs." Engadget.com, Engadget, 27 Jan. 2026, https://www.engadget.com/social-media/a-tiktok-us-power-outage-caused-a-cascading-systems-failure-leading-to-multiple-bugs-173426490.html.

"Here's what you should know about the US TikTok deal." TechCrunch.com, TechCrunch, 23, Jan 2026, https://techcrunch.com/2026/01/23/heres-whats-you-should-know-about-the-us-tiktok-deal.

Bell, Karissa. "People are uninstalling TikTok and downloading an indie competitor." Engadget.com, Engadget, 26 Jan. 2026, https://www.engadget.com/social-media/people-are-uninstalling-tiktok-and-downloading-an-indie-competitor-233345222.html.

Conner, Adam. "The TikTok Deal Leaves Many Questions Unanswered." americanprogress.org, Center for American Progress, 23 Jan 2026, https://www.americanprogress.org/article/the-tiktok-deal-leaves-many-questions-unanswered/.

Scanlon, Krystal. "TikTok’s confirmed U.S. deal still leaves unanswered questions." digiday.com, Digiday, 26, Jan. 2026, https://digiday.com/marketing/tiktoks-confirmed-u-s-deal-still-leaves-unanswered-questions/. 

"TikTok finalizes deal to form new American entity." NPR.org, NPR, 22 Jan. 2026, https://www.npr.org/2026/01/22/nx-s1-5685456/tiktok-finalizes-deal-to-form-new-american-entity.

Jacobs, Skye. "TikTok quietly expands location tracking and ad targeting for US users." Techspot.com, TechSpot, 26 Jan. 2026, https://www.techspot.com/news/111061-tiktok-quietly-expands-ad-targeting-location-tracking-us.html.

“Top Apps.” Appfigures.com, Appfigures, https://appfigures.com/top-apps/ios-app-store/united-states/iphone/top-overall, Accessed 28, Jan. 2026.

Wheatman Hill, Laura. "We Should Just Let TikTok Die." Slate.com, Slate, 27 Jan 2026, https://slate.com/technology/2026/01/tiktok-outage-oracle-ice-shooting.html.

“Appropriations Status Table: FY2026.” Congress.Gov, United States Congress, 23 Jan. 2026, www.congress.gov/crs-appropriations-status-table.

"Assessing FY 2026 Appropriations." crfb.org, Committee for a Responsible Federal Budget, 15 Jan. 2026, https://www.crfb.org/blogs/assessing-fy-2026-appropriations.

"H.R.7148 - 119th Congress (2025-2026): Consolidated Appropriations Act, 2026." Congress.Gov, United States Congress, 21 Jan. 2026, https://www.congress.gov/bill/119th-congress/house-bill/7148.

"House Votes 341-88 for 'Minibus' Spending Package." thinkadvisor.com, Think Advisor, 22 Jan. 2026, https://www.thinkadvisor.com/2026/01/22/house-votes-341-88-for-minibus-spending-package/.

"Labor, Health and Human Services, Education, and Related Agencies Appropriations Act, 2026." appropriations.house.gov, U.S. House of Representatives Appropriations Committee, https://appropriations.house.gov/sites/evo-subsites/republicans-appropriations.house.gov/files/evo-media-document/final-fy26-lhhs-minibus-4-summary.pdf. Accessed 26 Jan. 2026.

"Partial government shutdown looms, threatening to stall health funding package, telehealth extensions." Fiercehealthcare.com, Fierce Healthcare, 26, Jan. 2026, https://www.fiercehealthcare.com/providers/sick-fighting-insurers-hospitals-offer-their-own-medicare-advantage-plans.

"U.S. House passes final minibus funding package." naco.org, National Association of Counties, 22 Jan. 2026, https://www.naco.org/news/us-house-passes-final-minibus-funding-package.

“H.R.7006 - 119th Congress (2025-2026): Financial Services and General Government and National Security, Department of State, and Related Programs Appropriations Act.” Congress.Gov, United States Congress, 15 Jan. 2026, www.congress.gov/bill/119th-congress/house-bill/7006/all-actions.

“What Would a Government Shutdown Do to the IRS in 2026?” Kiplinger.com, Kiplinger, 23 Jan. 2026, https://www.kiplinger.com/taxes/what-will-a-government-shutdown-do-to-the-irs.

"2027 Medicare Advantage and Part D Advance Notice." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/2027-medicare-advantage-part-d-advance-notice.

"Advance Notice of Methodological Changes for Calendar Year (CY) 2027 for Medicare Advantage (MA) Capitation Rates and Part C and Part D Payment Policies." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/files/document/2027-advance-notice.pdf.

"CMS 2026 Medicare Advantage and Part D Rate Announcement." CMS.gov, Centers for Medicare & Medicaid Services, 07 Apr. 2025, https://www.cms.gov/newsroom/fact-sheets/2026-medicare-advantage-and-part-d-rate-announcement. 

"CMS Proposes 2027 Medicare Advantage and Part D Payment Policies to Improve Payment Accuracy and Sustainability." CMS.gov, Centers for Medicare & Medicaid Services, 26 Jan. 2026, https://www.cms.gov/newsroom/press-releases/cms-proposes-2027-medicare-advantage-part-d-payment-policies-improve-payment-accuracy-sustainability. 

"Fiscal Year 2025 Improper Payments Fact Sheet." CMS.gov, Centers for Medicare & Medicaid Services, 15 Jan. 2026, https://www.cms.gov/newsroom/fact-sheets/fiscal-year-2025-improper-payments-fact-sheet.

2016 vs. 2026: The Insurance Edition

2026 ACA Enrollment Snapshot #2

Enrollment Stats, Snapshots & Spotlights

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 

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

FAQs About the Medicare Call Recording Requirements

How Health Insurance Agents Can Stay TCPA Compliant

Meet Your Sales Team

Integrity Official Site

Integrity Support Email

Ritter Events, Training, & Webinar List

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 

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

5 Tips for New Insurance Agents

5 Tips for Seasoned Insurance Agents

2026 ACA Enrollment Snapshot #2

How the 2027 Medicare Advantage & Part D Proposed Rule Could Impact Insurance Agents & Beneficiaries

Ritter Can Help You Stay in Touch with Your Clients

What Are CMS' Part B Rebatable Drugs for 2026?

“2016 F, G & J Deductible Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-plans/medigap/downloads/cy_2016_fandj_deductible_amount_for_medigap_high_deductible_options.pdf. Accessed 21 Jan. 2026.

“2016 K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-plans/medigap/downloads/cy_2016_oop_limits_-_medigap_plans_k_and_l.pdf. Accessed 21 Jan. 2026. 

"2016 Medicare Parts A & B Premiums and Deductibles Announced." CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/newsroom/press-releases/2016-medicare-parts-b-premiums-and-deductibles-announced. Accessed 21 Jan. 2026.

“2026 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 21 Jan. 2026.

“2026 K & L Out-of-Pocket Limits Announcements.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/medicare/health-drug-plans/medigap/k-l-out-of-pocket-limits-announcements. Accessed 21 Jan. 2026. 

“Marketplace 2026 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 12 Jan. 2026, www.cms.gov/newsroom/fact-sheets/marketplace-2026-open-enrollment-period-report-national-snapshot-0.

“Marketplace Enrollment, 2014-2025: KFF State Health Facts.” KFF.Org, KFF, www.kff.org/affordable-care-act/state-indicator/marketplace-enrollment/?currentTimeframe=0&sortModel=%7B%22colId%22%3A%22Location%22%2C%22sort%22%3A%22asc%22%7D. Accessed 21 Jan. 2026.

"Medicare Advantage 2026 Spotlight: A First Look at Plan Offerings." CMS.Gov, Centers for Medicare & Medicaid Services, 9 Dec. 2025, https://www.kff.org/medicare/medicare-advantage-2026-spotlight-a-first-look-at-plan-offerings/.

"Original Medicare Costs in 2016." medicarerights.org, Medicare Rights Center, https://www.medicarerights.org/fliers/Original-Medicare/Original-Medicare-Costs-in-2016.pdf. Accessed 21 Jan. 2026.

"Original Medicare Costs in 2026." medicareinteractive.org, Medicare Rights Center, https://www.medicareinteractive.org/wp-content/uploads/Original-Medicare-Costs-in-2026.pdf. Accessed 21 Jan. 2026.

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 

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

Questions to Ask Clients Shopping for an ACA Plan

Selling ACA/Under-65 Health Insurance with Ritter

The Complete Guide to Selling Affordable Care Act Insurance Plans – FREE eBook Download

Understanding the ACA Marketplace & Exchanges

Understanding ACA Plan Metal Tiers PDF - Download

“Average Monthly Marketplace Premiums by Metal Tier: KFF State Health Facts.” KFF, 3 Nov. 2025, https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier/.

“Health Plan Categories: Bronze, Silver, Gold, & Platinum.” HealthCare.Gov, https://www.healthcare.gov/choose-a-plan/plans-categories/. Accessed 15 Dec. 2025.

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 

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

The Complete Guide on How to Sell Prescription Drug Plans

5 Tips for New Insurance Agents

5 Tips for Seasoned Insurance Agents

8 Strategies to Prevent Rapid Disenrollments from Medicare Plans

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

The 2026 Medicare Part D Redesign Changes Agents Should Know

“Fact Sheet: Medicare Prescription Payment Plan.” CMS.Gov, Centers for Medicare and Medicaid Services, www.cms.gov/files/document/medicare-prescription-payment-plan-fact-sheet.pdf Accessed 13 Jan 2026.

“Fact Sheet: Medicare Prescription Payment Plan Final Part One Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-one-guidance.pdf Accessed 13 Jan 2026.

“Fact Sheet: Medicare Prescription Payment Plan Final Part Two Guidance.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/files/document/fact-sheet-medicare-prescription-payment-plan-final-part-two-guidance.pdf. Accessed 13 Jan 2026.

“Inflation Reduction Act and Medicare.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare Accessed 13 Jan 2026.

“Medicare & You Handbook.” Medicare, Centers for Medicare & Medicaid Services (CMS), www.medicare.gov/medicare-and-you. Accessed 13 Jan. 2026.

“Medicare Prescription Payment Plan Details.” Medicare.Gov, CMS, www.medicare.gov/prescription-payment-plan. Accessed 13 Jan. 2026.

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 

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