Ritter Insurance Marketing, Craig Ritter

Plane Crash Claims Arcadian’s Chairman and Founder, John H. Austin, MD

We recently contracted with this company.  Dr. Austin was devoted to helping Medicare Beneficiaries.  He was very well respected within the industry and he will be missed.  Our condolences to his family and to his “family” at Arcadian. Here is the article.

31 May 09
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CMS Releases Standard Benefit Design for 2010 Part D Prescription Drug (PDP) Benefits

Here is the Standard 2010 PDP plan design versus 2009: Part D Benefit Parameters – Standard Benefit 2010 2009 Phase I Deductible $310 $295 Phase II Initial Coverage Limit $2,830 $2,700  Phase III Out-of-Pocket Threshold $4,550 $4,350  Phase IV Catestrophic Phase Greater of 5% or        Generic/Preferred $2.50 $2.40   Other $6.30 $6.00 Here…

28 May 09
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CMS File on Initial Commissions for Medicare Advantage Plans Released on April 27th Contains Errors; No Date Given on When CMS Will Issue Corrected Files

6/16/09 UPDATE – See my most recent update here. . . June 8th, 2009 UPDATE:  I’ve now heard that CMS has pushed out the corrected reports.  I’ve updated that here. I’ve heard this enough places to determine that this isn’t just one carrier.  I think CMS messed up all of the carrier files…

28 May 09
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Medicare Premiums Expected To Rise For Many

CQ Today reports that a Kaiser Family Foundation analysis found that “new Social Security recipients and upper-income seniors could face a steep increase in their monthly Medicare premiums for the next two years.” Also, “millions more will see their finances squeezed if their premiums for Medicare Part D prescription drug coverage go up during that…

28 May 09
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Government Players In US Healthcare Debate

U.S. lawmakers are beginning to craft legislation to overhaul of the U.S. healthcare system, a top priority for President Barack Obama. Democrats, who control Congress, hope to pass a bill by the end of the year. Here are some major government and congressional players who may have a key role in shaping the reform legislation:…

28 May 09
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Listen to a Recorded Broadcast of Craig’s Presentation on “The Future of Medicare Advantage and Medicare Supplement (Medigap)”

I made a similar presentation during five live sessions in PA.  I think I do a bit better live, but Webex’s have their advantages too as I’m better able to integrate the Web Based portions of the presentation. To summarize, I cover what an Independent Insurance Agent needs to know about MIPPA 2008, the 2010…

28 May 09
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Medigap Modernization is Coming June 1st, 2010: Why I like the New Medicare Supplement Plan N

I know I’m a little early in talking about the new Medigap plans, but let me be the first to go out on a limb and say I like the new Plan N which is coming on June 1st, 2010.  The previous 4 new plans which were introduced with Cost Sharing have failed miserably, at least when…

28 May 09
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Mort Kondracke: Democrats Should Reform Medicare, Not Universalize it

Somehow, I missed this, as it came out a couple weeks ago.  Mort Kondracke repeats a number of issues (which I’ve posted about on this blog) surrounding a Governmental Single-Payer Health Insurance System modeled after Original Medicare. Mort discusses how a Single Payor, by dictating fee schedules for Hospitals and Physicians which are 30% and 20%, respectively,…

26 May 09
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Los Angeles Times Reports, “Medicare Benefits May Change in 2010”

Here is an article from the LA Times.  There are quotes in here from the Medicare Rights Center and the Center for Medicare Advocacy.  These organizations tend to be “pro-Original Medicare” and anti-Medicare Advantage.  More likely, they are advocating a single payer system.  There is also a quote from AHIP which is the Trade Association…

26 May 09
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CMS Guidance On Scope Of Appointment Form

2011 Scope of Appointment Update:  See my 2011 Update here! Scope of Appointment documentation is required for ALL face-to-face marketing appointments with individual beneficiaries, regardless where the appointments take place.  Group sales presentations do not require the documentation because the scope of products that will be discussed should be indicated on all event advertising…

22 May 09
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