We represent numerous insurance carriers that offer comprehensive Medicare Advantage, Medicare Supplement, Prescription Drug Plan, and Final Expense products. Please log in or register to access helpful company information and get contracted.
|Affinity Health Plan||LIVE||View Requirements|
Product Training: LIVE
|AmeriHealth Caritas VIP Care||LIVE||View Requirements|
|Blue Cross and Blue Shield of
|BlueCross BlueShield of Western New York||TBD||View Requirements|
|BlueShield of Northeastern New York||TBD||View Requirements|
|Bright Health||AHIP/Equivalent: LIVE
Product Training: LIVE
|Capital BlueCross||LIVE||View Requirements|
|Clover Health||LIVE||View Requirements|
|Empire Blue Cross Blue Shield||LIVE||View Requirements|
|EnvisionRxPlus||Current Agents: LIVE
New Agents: LIVE
|Excellus BlueCross BlueShield||LIVE||View Requirements|
|Fidelis Care||TBD||View Requirements|
|Geisinger Health Plan||LIVE||View Requirements|
|Health Partners Plans||LIVE||View Requirements|
|Independence Blue Cross||LIVE||View Requirements|
|Johns Hopkins HealthCare||LIVE||View Requirements|
|Keystone VIP Choice||LIVE||View Requirements|
|Lasso Healthcare||LIVE||View Requirements|
|Quality Health Plans of New York||TBD||Coming Soon|
Product Training: LIVE
|Univera Healthcare||LIVE||View Requirements|
|UPMC Health Plan||LIVE||View Requirements|
|Vibra Health Plan||LIVE||View Requirements|
|WellCare||AHIP Training: LIVE
ACT Training: LIVE
For 2019, we’ve made some big changes to our annual $100K Cash Giveaway, and your chances of winning are better than ever!
This year, we’re rewarding our top direct-to-Ritter Medicare Supplement producers by giving away more than $100,000 in cash. We’ve also made a change to increase your shot at big winnings: $100K Cash Giveaway awards will be based on the number of applications you submit and issue! Plus, the producer who writes and issues the most Medicare Supplement applications* in 2019 will win $10,000!
Most of the grand prize will be broken up into four quarterly contests. The top 50 agents in each calendar quarter will earn a share of the total award based on their rank in the top 50. The rest of the grand prize will go to the producer who writes and issues the most Medicare Supplement apps over the course of the year! Ties will be broken based on premium.
The maximum award is $20,000 for the entire year depending on how an agent ranks each calendar quarter and at the end of year. In addition to having Medicare Supplement production through Ritter Insurance Marketing, you must be certified and ready to sell for at least one Medicare Advantage or Part D company (although no production for MA/PDP will count toward the contest).
Quarterly Cash Payouts:
1st place: $2,500
2nd place: $2,000
3rd place: $1,750
4th place: $1,500
5th place: $1,250
6th place: $1,000
7th place: $750
8th place: $650
9th place: $600
10th place: $500
11th–15th place: $400
16th–20th place: $350
21st–25th place: $300
26th–50th place: $250
End-of-Year Cash Payout for Most Apps Written:
1st place: $10,000
*Medicare Supplement applications submitted through Humana will not count
*Applications submitted for disability/under 65 will not count
Frequently Asked Questions:
Q: How will winners be determined?
A: Winners will be determined based on how many qualifying Medicare Supplement applications they wrote and issued. First place will be awarded to the direct-to-Ritter agent with the most qualifying Medicare Supplement apps written and issued, second place will go to the direct-to-Ritter agent with the second most apps written and issued, etc.
Q: How will ties be broken?
A: Ties will be broken based on premium. If three agents wrote and issued the same number of qualifying apps, the agent with the higher premium total will win the rank. The agent with the next highest premium total will get the next rank, and the third agent will get the rank after that.
Q: For which companies will my Medicare Supplement apps count?
A: Your Medicare Supplement apps will count for all participating companies* through which you’re contracted with Ritter as the direct upline. Just use our Medicare Quote Engine or Medicareful to find a competitive product in your market, get contracted with Ritter, and start writing! Get your own Medicareful site.
*Medicare Supplement applications submitted through Humana will not count
Q: I produced Medicare Supplement business through Ritter Insurance Marketing in 2018, but never received a bonus. Why not?
A: To qualify for the bonus, you must meet all criteria, including being ready to sell for at least one Medicare Advantage or Medicare Part D (PDP) plan through Ritter Insurance Marketing. If you are not direct to Ritter, your upline may have requested that their agents not participate in this contest. It’s also possible you didn’t produce enough to place in the top 50 agents.
Q: I’m a top producer, and I have top-level contracts. Can I still qualify?
A: Yes, you can hold top-level contracts and still qualify.
Q: My contract is not direct to Ritter. (I have an intermediate upline.) Can I still qualify?
A: No, you must be direct to Ritter to qualify for this incentive.
Q: I have an agency. Can I “pool” production from multiple agents?
A: No, this contest is only for writing agents who are direct to Ritter.
Q: When will the bonuses be paid?
A: We project bonuses will be paid within 45 days of the end of the contest period (end of the calendar quarter or year). We will mail winners their bonus checks.
Q: Will I get a 1099 for my award?
Q: If I don’t write my Medicare Supplement business through Ritter, does it still count?
Ask us about the most competitive Medicare Supplements in your area!
Do you have more questions? We’ll answer them! Call 800-769-1847 and ask about our $100K Cash Giveaway or our $10K Cash Giveaway.
Ritter Insurance Marketing has once again been named one of the Best Places to Work in PA for 2018. It is Ritter’s fifth straight year on the list.
“There is one philosophy that really drives a lot of our decision making,” company president Craig Ritter said. “And that is that the best way to keep our agents happy and to keep our carrier partners happy is to have happy employees, and to be able to really invest in the development of the employees.”
The Best Places awards program, created in 2000, is one of the first statewide programs of its kind in the country. The program is a public/private partnership between Team Pennsylvania Foundation, the Pennsylvania Department of Community and Economic Development, the Pennsylvania State Council of the Society for Human Resource Management, and the Central Penn Business Journal.
Ritter has landed in the top 30 for medium- and small/medium-sized companies each year since 2014, including a peak No. 7 ranking in 2015. The company ranked No. 11 in medium-sized companies in 2017.
“Being named to this list also says a lot about our employees and the passion they bring to the office every day,” Ritter said. “Cooperation among great people creates a positive atmosphere that allows us to meet and surpass our goals as a company.”
The Best Places survey and awards program was designed to identify, recognize and honor the best places of employment in Pennsylvania, who are benefiting the state’s economy and its workforce. Employers are categorized based upon the total number of employees they have in the United States, 15 to 99 employees, 100 to 250 employees, or more than 250 employees.
Companies from across the state entered the two-part process to determine the 100 Best Places to Work in PA. The first part of this process was evaluating each nominated company’s workplace policies, practices, philosophies, systems, and demographics. This part of the process was worth approximately 25% of the total evaluation. The second part consisted of an employee survey to measure the employee experience. This part of the process was worth approximately 75% of the total evaluation. The combined scores determined the top companies and the final ranking. Best Companies Group managed the overall registration and survey process.
Ritter will be recognized at the Best Places to Work in PA awards banquet on Thursday, November 29, at the Lancaster County Convention Center in Lancaster, PA. Rankings will be revealed at the ceremony. Tickets may be purchased online at www.CPBJ.com/events.
For more information on the Best Places to Work in PA, visit www.bestplacestoworkinpa.com.
Ritter Insurance Marketing is proud to announce that is has been named to the Central Penn Business Journal’s 22nd annual list of the Top 50 Fastest Growing Companies in Central Pennsylvania. This is the fourth time that Ritter has achieved this milestone.
“We’re proud to once again join this list of companies representing Central Pennsylvania. Ritter strives to provide the very best tools and support for successful businesses in the area and across the country, and we plan to continue to grow for years to come,” Craig Ritter, company president, said.
In order to be eligible for consideration, companies were required to show revenue of at least $500,000 in each of the fiscal years ending 2015, 2016, and 2017, as well as revenue growth in 2017, as compared to 2015. For-profit entities that are headquartered in Adams, Cumberland, Dauphin, Franklin, Lancaster, Lebanon, Perry or York County were eligible for nomination.
The presenting sponsor of the program, Baker Tilly, calculated the nominations and then ranked the companies according to revenue growth over the three-year period. Both dollar and percentage increases were taken into consideration. This ranking formula led to the list of 50 winners.
Ritter and the other 49 winners will be honored at an awards breakfast on Monday, September 17, when their ranks will be revealed. A complete, ranked list of honorees and profiles of each company and their financial growth will be published in a special supplement to the September 21 issue of the Central Penn Business Journal.
Top 50 Fastest Growing Companies is a program of the Central Penn Business Journal and is presented by Baker Tilly. Additional sponsors include: Comcast Business, Highmark Blue Shield, McNees Wallace & Nurick LLC, Spooky Nook Meetings & Events, Union Community Bank & Robert Half. For more information about the awards, please visit www.CPBJ.com/events.
2018 Top 50 Fastest Growing Companies
(listed alphabetically by company name)
Aaron Enterprises, Inc., York
ACNB Corporation, Gettysburg
AllSearch Professional Staffing, Inc., York
Appalachia Technologies, LLC, Mechanicsburg
APR Supply Co., Inc., Lebanon
Bank of Bird-in-Hand, Bird-in-Hand
The Benecon Group, Inc., Lititz
Bob Ruth Ford, Inc., Dillsburg
Brown Golf Management, Camp Hill
Campbell Associates, York
Candoris Technologies, LLC, Annville
Cargas Systems, Lancaster
Centric Financial Corporation, Harrisburg
Clark Associates, Inc., York
CORE Design Group LLC, York
Covenant Insurance Group, Inc., Dover
DOCEO Office Solutions, LLC, York
Duck Donuts Franchising Company, Mechanicsburg
E.G. Stoltzfus, Lancaster
Eagle Disposal of PA, Inc., East Earl
Flagger Force Traffic Control Services, Hummelstown
Fulton Financial Corporation, Lancaster
Graphcom Incorporated, Gettysburg
HB McClure Company, Harrisburg
Hersha Hospitality Trust, Harrisburg
Homesale Realty Services Group, Inc., Harrisburg
Hot Frog Print Media, Mechanicsburg
Impact Disaster Services, York
JPL Integrated Communications, Inc., Harrisburg
Klock Entertainment, Harrisburg
Land Grant Surveyors, LLC, Columbia
M2 Construction, LLC, Landisville
Millennium Circuits Limited, Harrisburg
Momentum, Inc., Camp Hill
Ritter Insurance Marketing, Harrisburg
River Supply Inc., Brogue
RL Livingston, Inc., Manchester
Royal Square Development & Construction, York
Schaedler Yesco Distribution, Inc., Harrisburg
Schmuck Lumber Co., Hanover
Snyder, Secary & Associates, LLC, Harrisburg
Speedwell Construction, Manheim
Spooky Nook Sport, Inc., Manheim
St. Onge Company, York
Susan Graham Consulting, Hershey
Tapestry Technologies, Chambersburg
WebpageFX, Inc., Harrisburg
Medicare Advantage, Medicare Supplement, and prescription drug plans aren’t the only insurance products seniors may want or need.
Ritter Insurance Marketing hosted an educational “senior products meeting” on June 5 to encourage local health and life insurance agents to consider the other coverage needs of their older clients and how they can fill them.
Representatives from six carriers, including Aetna, Ameritas, Guarantee Trust Life (GTL), Legacy Safeguard, Mutual of Omaha, and OneAmerica attended and spoke at the DoubleTree Resort in Lancaster, Pa. Ritter’s Ancillary & Long-Term Care and Life & Annuities teams were also present to answer questions and provide sales advice.
During the meeting, carrier reps mainly discussed why offering ancillary insurance (including hospital indemnity, cancer and heart attack or stroke, dental and vision, and short-term care plans), traditional and hybrid long-term care insurance (LTCi), and life insurance is easy and beneficial for agents, their business, and their clients.
“It’s important [for agents to sell products like ancillary, life, and LTCi plans] because folks have financial exposure from Medicare because Medicare … or Medicare Advantage doesn’t cover everything,” GTL Regional Sales Manager Demetri Simos said. “So, it’s important to at least present the solution to some of those financial exposures so that the clients are going to be better off financially.”
Carrier reps also talked about their respective company’s products and covered specific ways agents can market them and bring them up during appointments. Additionally, many reps informed agents they have marketing materials readily available for them to use during appointments.
Mike Baker, Ritter’s LTC Manager and an industry expert who’s worked in the market for more than 20 years, organized the event. While Ritter frequently hosts webinars to educate agents about carrier-specific products, Baker wanted to hold a live meeting with a specific focus on supplemental forms coverage.
“As a trusted advisor, I believe agents have a responsibility to help clients manage risk and offer solutions in the form of ancillary, LTCi, and life products. It strengthens the client relationship, increases opportunities for referrals, and can also create new revenue streams for the agent,” he said.
He also understood the value of bringing agents and carriers together in person.
“Webinars are great and can be an effective way to reach a larger number of agents, but I am firm believer that agents can learn more in a live meeting. I wanted to provide a forum where agents could hear directly from our carrier partners and have meaningful face-to-face conversations.”
Baker received positive feedback from both agents and carrier reps who attended. Karen B., an agent who’s worked with Ritter for several years, was one individual who found the event beneficial.
“It’s just very helpful to me to be in the same room with a group of people that are doing basically the same thing I’m doing,” she said. “They might ask a question or they might make a comment that I was not aware of, and it just makes me feel as though I had a refresher, or it makes me think again of things I need to do … You always learn something.”
She expressed her great appreciation of Ritter’s support system, especially as an independent agent selling multiple products.
“I do know – and Ritter’s not paying me to say this – that I can pick up the phone, and I can talk to Mike Baker or Brad or Emily, who’s new, or somebody, Brenda from the life insurance section, and I can get answers … no matter what question I ask. And we’re talking about 10 years now,” she said.
Baker plans on holding more trainings like this in the future and in other locations.
For more info about selling ancillary, LTCi, or life products or working with Ritter, please call Ritter at 800-769-1847 or drop us a message.
HARRISBURG, PA – Ritter Insurance Marketing is proud to announce the launch of their Agent Survival Guide Podcast, an audio companion to their Agent Survival Guide website.
Available today, the Agent Survival Guide Podcast serves to meet the needs of the on-the-go insurance agent by providing valuable content for listening to at any time and any place.
“We are pleased to offer our content in podcast form to make it as available and convenient as possible for agents to enjoy and learn,” Ritter President Craig Ritter said. “Whether listening while driving, working out or just relaxing, we believe agents will appreciate having our educational materials on their smartphone or listening device.”
The podcast offers marketing tips and strategies for selling insurance and staying compliant while highlighting how Ritter’s exclusive tools can streamline an agent’s business.
“We are seeing more and more agents take the ‘independent’ route,” Ritter said. “While this has huge advantages for flexibility and earning potential, being independent sometimes means being alone. ASG is making great strides in filling that gap to provide the independent agent the best of both worlds with top-notch educational content from a trusted partner.”
Episodes feature Agent Survival Guide articles and will be published on a weekly basis. The podcast is now available on AgentSurvivalGuide.com, iTunes, Podbean, Spotify, Stitcher, and other podcasting directories.
This brand-new podcast aims to empower insurance agents selling Medicare, life insurance, annuities, long-term care insurance, and final expense products.
Ritter Insurance Marketing, based in Harrisburg, Pennsylvania, is a national field marketing organization for senior insurance products. With more than 460,000 Medicare policies in force, seven offices, and 160 employees, Ritter Insurance Marketing is a national industry leader in the external marketing and distribution of Medicare Advantage, Medicare Supplement, and Medicare Part D plans.
Sarah J. Rueppel
We value our life insurance agents and their business. To show our appreciation to our top life insurance producers, we’re giving away over $10,000 in cash!
Qualifying for your share of the cash is simple. All qualifying life insurance products sold through Ritter Insurance Marketing count toward your total production, including final expense products, all term and traditional whole life products, as well as universal life and index universal life products.
The prize money will be distributed throughout four quarterly contests. The top 10 agents in each calendar quarter will earn a share of the total award based on their rank.
Depending on how you rank each calendar quarter, you could win up to $4,000 over the course of the entire year!
Quarterly Cash Payouts:
1st place: $1,000
2nd place: $500
3rd place: $300
4th place: $200
5th place: $100
6th place: $100
7th place: $100
8th place: $100
9th place: $50
10th place: $50
Frequently Asked Questions:
Q: For which companies will my life Insurance production count?
A: Your life insurance production will count for all companies that you’re contracted with through Ritter as the ultimate upline.
Q: What criteria must be met to qualify for the contest?
A: To qualify for the contest, you must be contracted direct to Ritter with a minimum of two life insurance carrier appointments through Ritter.
Q: I’m a top producer and I have top-level contracts. Can I still qualify?
A: Yes, you can hold top-level contracts and still qualify.
Q: I have an agency. Can I “pool” production from downline agents?
A: No, this contest is for individual writing agents only.
Q: When will the bonuses be paid?
A: We project bonuses will be paid within 45 days of the end of the contest period (calendar quarter). Bonuses are paid via direct deposit.
Q: Will I get a 1099 for my award?
Q: If I don’t write my life insurance business through Ritter, does it still count?
Today, the Centers for Medicare & Medicaid Services (CMS) announced the 2016 premiums and deductibles for the Medicare inpatient hospital (Part A) and physician and outpatient hospital services (Part B) programs.
Part B Premiums/Deductibles
As the Social Security Administration previously announced, there will be no Social Security cost of living increase for 2016. As a result, by law, most people with Medicare Part B will be “held harmless” (protected) from any increase in premiums in 2016 and will pay the same monthly premium as last year, which is $104.90.
Beneficiaries not subject to the “hold harmless” provision will pay $121.80, as calculated reflecting the provisions of the Bipartisan Budget Act signed into law by President Obama last week. Medicare Part B beneficiaries not subject to the “hold-harmless” provision are those not collecting Social Security benefits, those who will enroll in Part B for the first time in 2016, dual eligible beneficiaries who have their premiums paid by Medicaid, and beneficiaries who pay an additional income-related premium. These groups account for about 30 percent of the 52 million Americans expected to be enrolled in Medicare Part B in 2016.
“Our goal is to keep Medicare Part B premiums affordable. Thanks to the leadership of Congress and President Obama, the premiums for 52 million Americans enrolled in Medicare Part B will be either flat or substantially less than they otherwise would have been,” said CMS Acting Administrator Andy Slavitt. “Affordability for Medicare enrollees is a key goal of our work building a health care system that delivers better care and spends health care dollars more wisely.”
Because of slow growth in medical costs and inflation, Medicare Part B premiums were unchanged for the 2013, 2014, and 2015 calendar years. The “hold harmless” provision would have required the approximately 30 percent of beneficiaries not held harmless in 2016 to pay an estimated base monthly Part B premium of $159.30 in part to make up for lost contingency reserves, according to the 2015 Trustees Report. However, the Bipartisan Budget Act of 2015 mitigated the Part B premium increase for these beneficiaries and states, which have programs that pay some or all of the premiums and cost-sharing for certain people who have Medicare and limited incomes. The CMS Office of the Actuary estimates that states will save $1.8 billion as a result of this premium mitigation.
CMS also announced that the annual deductible for all Part B beneficiaries will be $166.00 in 2016. Premiums for Medicare Advantage and Medicare Prescription Drug plans already finalized are unaffected by this announcement.
To get more information about state-by-state savings, visit the CMS website at
Since 2007, beneficiaries with higher incomes have paid higher Part B monthly premiums. These income-related monthly adjustment amount (IRMAA) affect fewer than 5 percent of people with Medicare. Under the Part B section of the Bipartisan Budget Act of 2015, high income beneficiaries will pay an additional amount. The IRMAA, additional amounts, and total Part B premiums for high income beneficiaries for 2016 are shown in the following table:
|Beneficiaries who file an individual tax return with income:||Beneficiaries who file a joint tax return with income:||Income-related monthly adjustment amount||Total monthly premium amount|
|Less than or equal to $85,000||Less than or equal to $170,000||$0.00||$121.80|
|Greater than $85,000 and less than or
equal to $107,000
|Greater than $107,000 and less than or
equal to $160,000
|Greater than $160,000 and less than or
equal to $214,000
|Greater than $214,000||Greater than $428,000||$268.00||$389.80|
Premiums for beneficiaries who are married and lived with their spouse at any time during the taxable year, but file a separate return, are as follows:
|Beneficiaries who are married and lived with their
spouse at any time during the year, but file a
separate tax return from their spouse:
|Income-related monthly adjustment amount||Total monthly premium amount|
|Less than or equal to $85,000||$0.00||$121.80|
|Greater than $85,000 and less than or equal to $129,000||$194.90||$316.70|
|Greater than $129,000||$268.00||$389.80|
Part A Premiums/Deductibles
Medicare Part A covers inpatient hospital, skilled nursing facility, and some home health care services. About 99 percent of Medicare beneficiaries do not pay a Part A premium since they have at least 40 quarters of Medicare-covered employment.
The Medicare Part A annual deductible that beneficiaries pay when admitted to the hospital will be $1,288.00 in 2016, a small increase from $1,260.00 in 2015. The Part A deductible covers beneficiaries’ share of costs for the first 60 days of Medicare-covered inpatient hospital care in a benefit period. The daily coinsurance amounts will be $322 for the 61st through 90th day of hospitalization in a benefit period and $644 for lifetime reserve days. For beneficiaries in skilled nursing facilities, the daily coinsurance for days 21 through 100 in a benefit period will be $161.00 in 2016 ($157.50 in 2015).
Enrollees age 65 and over who have fewer than 40 quarters of coverage and certain persons with disabilities pay a monthly premium in order to receive coverage under Part A. Individuals with 30-39 quarters of coverage may buy into Part A at a reduced monthly premium rate, which will be $226.00 in 2016, a $2.00 increase from 2015. Those with less than 30 quarters of coverage pay the full premium, which will be $411.00 a month, a $4.00 increase from 2015.
Deductibles and Coinsurance for 2016
|Part A Deductible and Coinsurance Amounts for
Calendar Years 2015 and 2016 Type of Cost Sharing
|Inpatient hospital deductible||$1,260||$1,288|
|Daily coinsurance for 61st-90th Day||$315||$322|
|Daily coinsurance for lifetime reserve days||$630||$644|
For more information on the 2016 Medicare Parts A and B premiums and deductibles (CMS-8059-N, CMS-8060-N, and CMS-8061-N), visit: https://www.federalregister.gov/public-inspection.
Have questions regarding these changes? Please give us a call at 800-769-1847.
Ritter Insurance Marketing has been named one of the Best Places to Work in PA for 2015. The awards program, created in 2000, is one of the first statewide programs of its kind in the country. The program is a public/private partnership between Team Pennsylvania Foundation, the Pennsylvania Department of Community and Economic Development, the Pennsylvania State Council of the Society for Human Resource Management, and the Central Penn Business Journal.
“We’re so excited that Ritter Insurance Marketing was named one of the Best Places to Work in PA for the second year in a row,” Craig Ritter, President of Ritter, said. “We value making our workplace a rewarding one, and we are proud to be recognized for that.”
This survey and awards program was designed to identify, recognize and honor the best places of employment in Pennsylvania, who are benefiting the state's economy and its workforce. Employers are categorized based upon the total number of employees they have in the United States, 25 to 249 employees and 250 or more employees.
To be considered for participation, companies had to fulfill the following eligibility requirements: Be a for-profit or not-for-profit business; be a publicly or privately held business; have a facility in Pennsylvania; have at least 25 employees working in Pennsylvania; and be in business a minimum of one year. Companies from across the state entered the two-part process to determine the 100 Best Places to Work in PA. The first part of this process was evaluating each nominated company's workplace policies, practices, philosophies, systems and demographics. This part of the process was worth approximately 25 percent of the total evaluation. The second part consisted of an employee survey to measure the employee experience. This part of the process was worth approximately 75 percent of the total evaluation. The combined scores determined the top companies and the final ranking. Best Companies Group managed the overall registration and survey process.
Ritter will be recognized at the Best Places to Work in PA awards banquet on Thursday, December 3, 2015, at the Lancaster County Convention Center in Lancaster, Pennsylvania. Rankings will be revealed at the ceremony. Tickets may be purchased online at www.CPBJ.com/events.
In addition to the public/private partnership, the program is supported by the following organizations: Lead Sponsor—Team Pennsylvania Foundation; Presenting Sponsor – BDO, USA; Major Sponsors—Protocol Solutions Group, LLC, Saul Ewing, LLP and Santander; Founding Partners—Team Pennsylvania Foundation and the Central Penn Business Journal; Program Partner—The Department of Community and Economic Development.
For more information on the Best Places to Work in PA, visit www.bestplacestoworkinpa.com or contact Emily Winslow, event coordinator at the Central Penn Business Journal at 717-236-4300 or firstname.lastname@example.org.
Ritter Insurance Marketing is pleased to announce that they have signed an FMO agreement with Johns Hopkins HealthCare LLC (JHHC) for their Medicare Advantage products. Ritter will assist JHHC in launching their new MA plans, which are being released for the upcoming 2016 Annual Enrollment Period starting October 1, 2015.
“We are extremely excited to begin our relationship with Johns Hopkins HealthCare,” Craig Ritter, President and Owner of Ritter, commented. “Johns Hopkins Medicine is one of the most highly-regarded health care systems in the country, and we are very pleased to have been selected as the FMO of their insurance subsidiary, Johns Hopkins HealthCare.”
Currently, JHHC is in the process of finalizing their appointment and certification process. In addition to becoming appointed and certified through JHHC, agents will need to be licensed in the state of Maryland to sell their products. More details regarding JHHC’s MA product will be available upon final CMS approval. Additional information will be coming within the next few weeks.
To help agents prepare for the upcoming AEP, Ritter will be hosting an AEP Kickoff Event on September 18 at Camden Yards in Baltimore. At the event, insurance providers will unveil their products for the upcoming selling season to insurance agents in Maryland. More information regarding this event is available through Ritter.
Over the past eight years, Ritter has worked with numerous “new-to-brokerage” Medicare Advantage carriers and sponsors, including Independence Blue Cross, Excellus BCBS, Health Partners Plans, Piedmont WellStar, and Geisinger Health Plans.
Ritter Insurance Marketing is pleased to announce that they have signed an FMO agreement with University of Maryland Health Advantage (UMHA), formerly Riverside Health, Inc., for their Medicare Advantage plans. Ritter will help UMHA launch their MA plans, which are being released for the 2016 Annual Election Period starting October 15, 2015.
“University of Maryland Medical System’s reputation as national leader in the health-care industry is well established,” Craig Ritter, President and Owner of Ritter, remarked. “We are ecstatic to have been selected as an FMO by their subsidiary, University of Maryland Health Advantage, and we look forward to a long and successful partnership with them.”
With UMHA’s MA plans, insurance agents working with Ritter will now have access to exciting, new MA plans in 13 Maryland counties. Additionally, Medicare beneficiaries in Maryland will now have access to new options to meet their needs.
To sell these new MA plans, agents will have to be appointed and certified through UMHA and licensed in the state of Maryland. Details on UMHA’s appointment and certification processes should be coming in the next few weeks. More information on UMHA’s MA plans will be available October 1, 2015.
“It’s amazing to be able to offer our agents opportunities to continue expanding their business in Maryland,” Ritter said. “We’re very passionate about providing our agents the highest-quality services and support, and offering these new products will enable us to continue meeting that end.”
Over the past eight years, Ritter has done business with numerous “new-to-brokerage” Medicare Advantage carriers and sponsors, including Independence Blue Cross, Excellus BCBS, Health Partners Plans, Piedmont WellStar, and Geisinger Health Plans.
Traditional FMOs contact agents about new contracting opportunities, but provide little other support. On the other hand, forward-thinking FMOs like Ritter Insurance Marketing believe in doing much more for their agents. We view our agents as our partners and provide tools and services to help them grow their business.
To learn more about our modern philosophy, download our free white paper: The New Age of FMOs. It also addresses frequently asked questions to help you understand how FMOs like us work with and for our agents.
Like most insurance policies, Errors and Omissions (E&O) insurance provides policyholders with coverage that they hope they never have to use. Many carriers require you to hold an active E&O policy in order to contract with them.
At Ritter Insurance Marketing, we offer a low-cost E&O insurance policy for all of the carriers you’re appointed with under us. It runs from January 1st through December 31st each year. In December, we notify you when it’s available for renewal via e-mail. Our policy doesn’t automatically renew, so you have to renew it every calendar year. Acceptable forms of payment are Visa, MasterCard, and checks made out to Ritter Insurance Marketing. You aren’t covered by your new policy until your payment is received and processed, and the declaration page is documented. You (or your hierarchy) will receive the declaration page once the paperwork is processed, and our Licensing Department will take care of forwarding the E&O to your carriers that require it.
To help you with all of your errors and omissions needs, we also offer a more customizable policy through CalSurance. This partnership allows you to get coverage for all of your appointed carriers, even those we don’t represent. With two affordable options, we have great E&O solutions for all of our agents! To find out more about them, please click here.
Because many of our agents have requested general training on our life and annuities products, Jed Karpinski and Brenda Salyer will be hosting “refresher” trainings in March. Please join us for the following overview presentations:
Life Insurance 101
March 18, 2015 at 2:00 p.m. ET
In this webinar, we will review the different types of life insurance products available to you through Ritter Insurance Marketing:
We will cover the ideal clients for each of the different products, discuss variations between the products and recommended carriers, and different sales approaches for each product type.
March 25, 2015 at 2:00 p.m. ET
This presentation will give you an understanding of the different types of annuity products available to you through Ritter, including:
We will go over the ideal clients for each of our different products, discuss variations between the products and recommended carriers, and different sales approaches for each product type.
For questions or more information, please contact:
Sr. Life and Annuities Specialist
Life and Annuities Specialist
Effective January 1, 2019, CMS no longer requires Plan Sponsors to ensure that their First Tier, Downstream, and Related Entities (FDRs) complete the CMS-published training modules. However, FDRs are still required to comply with all statutes, regulations and CMS guidelines. As such, it is advisable that our downline agencies continue to educate and document efforts to ensure your non-agent employees (non-licensed staff or licensed staff who are not appointed by any Medicare Advantage insurance company), management, temporary workers or subcontractors are aware of these guidelines.
You may develop your own training material or utilize carriers’ Code of Conduct or training material. You may also utilize the Ritter Code of Conduct and training material published on our website. Such training must be provided within 90 days of hiring and annually after.
Here at Ritter, we strive to promote excellence and quality in the products and services we provide to our business partners, agents, and customers. As a field marketing organization (FMO) in the health insurance industry, we have contracts as a First Tier Entity with insurers that offer Medicare Advantage and prescription drug plans. As such, we are aware of the importance of complying with all applicable laws, regulations, and Center for Medicare & Medicaid Services guidelines.
We expect our agents to abide by the best practices of marketing Medicare including all governmental regulations. Our agent handbook provides agents with foundational knowledge of Medicare sales practices.
Our compliance program seeks to promote legal and ethical business conduct and prevent, detect, and resolve non-compliance and illegal conduct. It meets the Seven Elements of an Effective Compliance Program put forth by the Office of Inspector General of the Department of Health and Human Services.
Ritter Code of Business Conduct
Our goal has never solely been to comply with the laws, but also to follow the highest principles of integrity and honesty. The Ritter Code of Business Conduct puts our core values into practical terms that provide ethical and compliance guidelines and expectations to help guide our day-to-day business activities.
Ritter strives to conduct business with individuals or entities that share our view toward compliance and ethics. Therefore, we expect our agents to respect and subscribe to the Ritter Code of Business Conduct when conducting business with or on behalf of our company.
All Ritter agents are responsible for following the Ritter Agent Handbook, the Ritter Code of Conduct, the applicable carrier’s code of conduct, as well as carrier-specific policies and procedures. For your convenience, we have put links to the codes of conduct for the insurance carriers we represent here in one place.
To view a specific carrier’s code of conduct, please click on the appropriate link below.
|Aetna||EmblemHealth||Independence Blue Cross|
|Affinity Health Plan||Excellus||SilverScript|
|Asuris Northwest Health||HCSC||Vibra|
|Avalon Insurance Company||Health Partners Plans|
|CareMore||Humana Pt. 1|
|Clover Health||Humana Pt. 2|
As a First Tier Entity, Ritter must review the Department of Health and Human Services Office of Inspector General (OIG) List of Excluded Individuals and Entities and the General Services Administration (GSA) Excluded Parties List System to ensure its employees, management, temporary workers, or subcontractors, if applicable, are not listed on these exclusion lists. These databases must be checked prior to hiring the aforementioned types of personnel and at least once a month so long as they remain with Ritter.
Similarly, Ritter’s downline agencies must review these databases to ensure their non-licensed personnel are not listed on these exclusion lists if they utilize these individuals to support their Medicare business. These exclusion lists must be checked prior to these individuals being hired and monthly thereafter.
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