Generated by All in One SEO v4.9.10, this is an llms.txt file, used by LLMs to index the site. # Jack Schroeder and Associates, LLC ## Sitemaps - [XML Sitemap](https://www.jsaonline.com/sitemap.xml): Contains all public & indexable URLs for this website. ## Posts - [JSA Announces Leadership Promotions to Support Continued Growth](https://www.jsaonline.com/resources/blog/jsa-announces-leadership-promotions-to-support-continued-growth/) - FORT MYERS, Fla. — Jack Schroeder and Associates, LLC (JSA), a leading national field marketing organization serving insurance and financial professionals, is pleased to announce the promotions of Henry Monahan to Vice President of Sales – Annuities and Catalina Liebman to Vice President of Sales – Eastern Region. These leadership appointments reflect JSA's commitment to investing in experienced - [2027 CMS Final Rule: What It Means for Marketing, TPMOs, and Sales Compliance](https://www.jsaonline.com/resources/blog/2027-cms-final-rule-what-it-means-for-marketing-tpmos-and-sales-compliance/) - 2027 CMS Final Rule: What It Means for Marketing, TPMOs, and Sales Compliance - April 13, 2026 - - - [11 Key Changes in CMS's Contract Year 2027 Proposed Rule That Agents Should Be Watching](https://www.jsaonline.com/resources/blog/11-key-changes-in-cmss-contract-year-2027-proposed-rule-that-agents-should-be-watching/) - CMS has released its Contract Year 2027 Proposed Rule for Medicare Advantage (MA) and Part D, and while much of it is highly technical, there are several proposals that could meaningfully change how agents explain benefits, structure events, and handle compliance. This post highlights 11 of the most important items for independent agents, agencies, and - [2026 Medicare Parts A & B Premiums and Deductibles](https://www.jsaonline.com/resources/blog/2026-medicare-parts-a-b-premiums-and-deductibles/) - The Centers for Medicare & Medicaid Services (CMS) released the 2026 Medicare Parts A & B Premiums and Deductibles on November 14th, 2025. You can check out the CMS press release here. Medicare Part B Premiums/Deductibles The standard Medicare Part B monthly premium will increase $17.90 from 2025, from $185.00 to $202.90. The annual Part - [Service Area Reductions: What Agents Need to Know This AEP](https://www.jsaonline.com/resources/blog/service-area-reductions-what-agents-need-to-know-this-aep/) - August 28, 2025 - The upcoming Annual Enrollment Period (AEP) will bring more disruption than usual to the Medicare Advantage (MA) market. Service Area Redu... - [2025 Medicare Parts A & B Premiums and Deductibles](https://www.jsaonline.com/resources/blog/2025-medicare-parts-a-b-premiums-and-deductibles/) - Learn about the 2025 Medicare Part A & B premiums and deductibles, including updates on Part B for immunosuppressive drugs. Get all the essential info here. - [2025 Part D Changes YOU Need to Know](https://www.jsaonline.com/resources/blog/2025-part-d-changes-you-need-to-know/) - 2025 Part D Changes YOU Need to Know Medicare https://www.jsaonline.com/resources/blog/2025-part-d-changes-you-need-to-know/ ChrisH - [Medicare.gov Plan Finder Changes are Coming](https://www.jsaonline.com/resources/blog/medicare-gov-plan-finder-changes-are-coming/) - Many agents utilize Medicare.gov's Plan Finder to run their clients' drug lists each year in the search for the "best" coverage available. In doing so, agents have saved thousands of drug list ID's and passwords so they can go back into the system the following year, retrieve the list and re-check the results. Starting October - [Impacts of the IRA on the Medicare Market](https://www.jsaonline.com/resources/blog/impacts-of-the-ira-on-the-medicare-market/) - Impacts of the IRA on the Medicare Market - ATTENTION: BIG Changes Coming to the Medicare Market The Inflation Reduction Act of 2022 is bringing some major changes to the Medicare landscape that will impact all beneficiaries for years to come. Are you ready to help your clients find their best-fit coverage? In brief, the IRA made or will make the following changes to - [Pre-Warming Activities](https://www.jsaonline.com/resources/blog/pre-warming-activities/) - With the Annual Enrollment Period (AEP) right around the corner, it’s a good time for a review of the CMS rules regarding the marketing of the upcoming year’s plans. CMS does not allow the marketing of 2018 products prior to October 1st, when AEP marketing officially begins. Even with those restrictions, there are things you - [Final Expense: Broaching the Subject - Life Beyond Medicare](https://www.jsaonline.com/resources/blog/final-expense-broaching-the-subject-life-beyond-medicare/) - Recently an agent approached me to express interest in working with Final Expense. The question that follows is one that I am all too familiar with - “How do I broach the subject of end of life planning?” Rule of thumb: no death jokes. Just don’t do it. Offering Final Expense to your existing clients - [24 Questions to Help You Choose an NMA/FMO](https://www.jsaonline.com/resources/blog/24-questions-to-help-you-choose-an-nma-fmo/) - As an independent agent, choosing a National Marketing Association/Field Marketing Organization to partner with can be a very difficult decision. Furthermore, how do you know you’ve paired up with an agency that’s as dedicated to your success as you are? Here are 24 questions to ask when choosing a Medicare Marketing Agency, NMA or FMO: - [Good News for the MA Market!](https://www.jsaonline.com/resources/blog/good-news-for-the-ma-market/) - UnitedHealth Group (UNH) Stock Closed Higher Today on Favorable Medicare Advantage Rates (Source: http://www.thestreet.com/story/13055181/1/unitedhealth-group-unh-stock-closed-higher-today-on-favorable-medicare-advantage-rates.html) NEW YORK (TheStreet) -- Shares of UnitedHealth Group (UNH - Get Report) ended the day higher by 3.36% to $116.40 on heavy volume in Monday's trading session, along with other health insurers after the Centers for Medicare and Medicaid Services issued - [Electronic Enrollment - The Ultimate Sales Sidekick](https://www.jsaonline.com/resources/blog/electronic-enrollment-the-ultimate-sales-sidekick/) - 54 days, 50+ million prospects. To say the Medicare market is full of opportunity is an understatement, and for those who've decided to tackle it - congratulations! With the Annual Enrollment Period pre-marketing in full swing, and October 15th just a few days away, how do we handle all that needs to be done during - [Thoughts on Thanksgiving](https://www.jsaonline.com/resources/blog/thoughts-on-thanksgiving/) - “In a few years, I’m going to be obsolete.” That statement was made to me recently by a dear friend and a long-time insurance agent who was quite put out that a client had enrolled in a Medicare Advantage plan directly over the internet. “My clients can look at plans on Medicare’s website, and can - [Where are all those ACA commissions going?](https://www.jsaonline.com/resources/blog/where-are-all-those-aca-commissions-going/) - The outlook has been bleak for ACA producers as more and more insurance carriers announce drastic cuts (or even eliminations) to their commissions. It's a hard pill to swallow, especially with all the time and energy it takes for each ACA appointment from prospecting to binder-payment and all the training. While each carrier seems - [Why A Brand?](https://www.jsaonline.com/resources/blog/why-a-brand/) - "I’m a small business, so why do I need a brand?" Business and marketing experts urge small business owners to “brand” their businesses with a logo and a set of consistent marketing materials. You may not be convinced that you need a brand as an independent insurance agent, but let's look at branding in a - [Hospital Indemnity and Critical Illness Plans at Risk](https://www.jsaonline.com/resources/blog/hospital-indemnity-and-critical-illness-plans-at-risk/) - Federal regulators recently announced they are considering a ban on the sale of Hospital Indemnity and Critical Illness policies. The “Tri-Agency” Team – the Internal Revenue Service, the Employee Benefits Security Administration and the U.S. Department of Health and Human Services – has included this proposal in a new batch of draft regulations that also - [Long Term Care Funding Options](https://www.jsaonline.com/resources/blog/long-term-care-funding-options/) - Jack Schroeder and Associates JSA is a nationally recognized leader in the wholesale distribution of Medicare plans, however our roots run deep with long term care insurance. Beginning with leadership in our home state of WI and the release of CNA’s Convalescent Care plan in 1984. JSA embraced the important market changes in the late - [Is Medicare Supplement Plan F Really Going Away?](https://www.jsaonline.com/resources/blog/is-medicare-supplement-plan-f-really-going-away/) - In short, the answer is "no", but it's important to know why this topic keeps popping up. This whole misunderstanding came about with the passing of the Medicare Access and CHIP Reauthorization Act of 2015 (MACRA) that was largely heralded as a permanent fix to the annual "doc fix", where congress would approve a spending - [Cross-selling to Your Medicare Clients Made Easy!](https://www.jsaonline.com/resources/blog/cross-selling-to-your-medicare-clients-made-easy/) - Now that the Annual Enrollment Period has come to an end, it's a great time to review your clients' coverage and make sure their needs are met. Medicare Advantage Plans, Medicare Supplement Insurance, and Prescription Drugs Plans do not fully cover all of the risks in your clients' lives. This is your chance to do - [Health Insurance Reforms like Wisconsin’s HIRSP Offer a Way Forward](https://www.jsaonline.com/resources/blog/health-insurance-reforms-like-wisconsins-hirsp-offer-a-way-forward/) - Today the state of Wisconsin's Commissioner of Insurance Ted Nickel released the following op-ed titled "Health Insurance Reforms like Wisconsin's HIRSP Offer Way Forward." https://oci.wi.gov/Pages/PressReleases/20170517HIRSPOpEd.aspx Commissioner Nickel Op-Ed: Health Insurance Reforms like Wisconsin's HIRSP Offer Way Forward Date: May 17, 2017 Obamacare is falling apart. One third of US counties have only one health insurer - [Clients losing Medicare Cost or MA coverage? Enrollment opportunity doesn't end today!](https://www.jsaonline.com/resources/blog/clients-losing-medicare-cost-or-ma-coverage-enrollment-opportunity-doesnt-end-today/) - Agents in Minnesota have had a particularly busy AEP this year with over 300,000 Medicare Cost plan members in that state losing their coverage at the end of this month. In other areas of the county, smaller pockets of Medicare beneficiaries are also losing coverage as some Medicare Advantage and Cost plans are not renewing - [Can Your (Future) Clients Find You Online?](https://www.jsaonline.com/resources/blog/can-your-future-clients-find-you-online/) - The Baby Boomer Generation, those born between 1946 and 1964, represents the single largest group of individuals that will transition from the workforce to retirement, happening from 2011 to 2029. Doing the math, it works out to approximately 10,000 per day or, even more granular, one every 8 seconds. They control over 70% of disposable - [LIAM Starts September 1st!](https://www.jsaonline.com/resources/blog/liam-starts-september-1st/) - September 1st marked the beginning of Life Insurance Awareness Month, making it the perfect time to have conversations with your Medicare clients and prospects to see if they have adequate life insurance coverage, and to see if they have appropriately planned for their end-of-life needs. It is no false tagline, oftentimes a customer can secure - [Medicare Fraud Alert: Genetic Testing Scam](https://www.jsaonline.com/resources/blog/medicare-fraud-alert-genetic-testing-scam/) - From the U.S. Department of Health and Human Services, Office of Inspector General, "Fraud Alert: Genetic Testing Scam" - Updated August 13, 2019. The US Department of Health and Human Services Office of Inspector General is alerting the public about a fraud scheme involving genetic testing. Genetic testing fraud occurs when medicare is billed for - [NAIC Warns Industry of New Phishing Scam](https://www.jsaonline.com/resources/blog/naic-warns-industry-of-new-phishing-scam/) - The National Association of Insurance Commissioners (NAIC) issued a warning about a new phishing scam targeting insurance producers. From their website https://www.naic.org, the alert says "We are aware of a phishing scam targeting insurance producers regarding a falsified insurance claim related to their company that has been submitted to the National Association of Insurance Commissioners. - [Medicare Supplements 2020 - What to Expect](https://www.jsaonline.com/resources/blog/medicare-supplements-2020-what-to-expect/) - MACRA, the Medicare Access and CHIP Reauthorization Act of 2015, will be changing the Medicare supplement marketplace starting in 2020. Brought on by fears that certain supplement plans were leading to over-utilization of the Medicare program, what we offer today and what will be available next year will be similar, but different in many ways. - [2020 Medicare Parts A & B Premiums and Deductibles](https://www.jsaonline.com/resources/blog/2020-medicare-parts-a-b-premiums-and-deductibles/) - The Centers for Medicare & Medicaid Services (CMS) released the 2020 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs. Medicare Part B Premiums/Deductibles The standard 2020 Medicare Part B premium will be increasing $9.10 per month, from $135.50 to $144.60. The 2020 annual Part B deductible will be seeing - [Need to Know - The LIS Program](https://www.jsaonline.com/resources/blog/need-to-know-the-lis-program/) - Along with the launch of Medicare Part D in 2006 came a program for individuals whose income and resources were limited, providing assistance with the cost of their medications. This program is called Low Income Subsidy (LIS), or Extra Help, and covers 12.5 million individuals as of March, 2019. LIS individuals qualify to receive assistance ## Pages - [Home](https://www.jsaonline.com/) - Grow your insurance business and boost revenue with JSA, an award-winning FMO with comprehensive Medicare products and agent support. - [Meet the Team](https://www.jsaonline.com/about/meet-the-team/) - Connect with experts in sales, IT, licensing, and more at JSA, a trusted field marketing organization and wholesale Medicare and insurance brokerage partner. - [Certifications](https://www.jsaonline.com/partner-benefits/certifications/) - Agents, get all the certification info you need to stay in good standing with your Medicare insurance carriers—explore guides and more here. - [Annuities](https://www.jsaonline.com/annuities/) - Get Appointed or Request a Quote Ready to Start Selling? 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