Advice Straight from
the Medicare Experts

CRAIG RITTER is the CEO of Ritter Insurance Marketing, a national FMO for life and health products specializing in the senior market, and a Managing Partner of Integrity. Craig graduated from Penn State in 1992 with a degree in Finance. He has 33 years of insurance experience, including 28 years in life and health.

The client base of agents who work with Ritter totals over 750,000 Medicare Advantage, Medicare Supplement, and Medicare Part D policyholders. In 2024, these agents collected 197,000 Medicare enrollments.

Craig served as President of NAIFA Greater Harrisburg and was the 2018 President’s Award recipient for lifetime achievement. He resides in Harrisburg, PA, with his wife, Heidi, and his son, Cash. His eldest son, Quinn, is a graduate of Penn State and his daughter, Callie, attends Villanova University.

As Senior Vice President, Med Solutions, Dwane McFerrin, CLU^®, CFP^®, RHU^®, CLTC^®, LLIF, has helped position Senior Market Sales^® (SMS) as a market leader selling Medicare Advantage and Part D in addition to Medicare Supplement. He is responsible for the strategic direction of the Medicare product line, carrier relationships and a team of marketing consultants who support sales in excess of 725,000 new business applications into Medicare-related products annually.

Dwane has more than 30 years of experience in executive-level positions in the insurance industry. Prior to joining SMS, he was Vice President of Marketing at Mutual of Omaha and a Senior VP of Agency at Physicians Mutual Insurance Company. He has a strong background in the senior market, sales management, association and worksite marketing, client development and lead generation. 

In 2020 the Omaha Association of Health Underwriters (OAHU) selected Dwane its Underwriter of the Year Award recognizing distinguished service to the association and the industry. McFerrin served as Chair for seven years on NAHU’s Medicare Working Group, served a two-year term on the Omaha AHU Board of Directors and currently serves on NAHU’s mental health task force and prescription drug task force.

Dwane holds a Master of Science Degree in Industrial/Organizational Psychology from the University of Nebraska at Omaha, a Bachelor of Arts from Central College and LIMRA's Leadership Institute Fellow designation.

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Bryan is currently the President of Wholesale Health Affiliate Partners for AmeriLife, Clearwater, Florida where he has been employed since January 2021. In his current role he provides P&L oversight and leadership support for the enterprise Health Affiliate partners. He holds a B.S. degree in Health Management from Southeast Missouri State and an MBA from Lindenwood University. He has held a personal producer license since 1996 and has been working in the Health Insurance space since 1995, selling his first Med Supp and Medicare Advantage (then Medicare Risk) in 1996. He has held Customer Service, Claims Administration, Field Sales, Sales Management and Executive Leadership roles throughout his career. Carrier experience includes Blue Cross Blue Shield of Missouri, Coventry Healthcare, Aetna, and Molina Healthcare.

Steve has more than 20 years of experience guiding entrepreneurial businesses of all sizes in a variety of risk management disciplines including Legal, Regulatory Compliance, and Privacy. After completing his Juris Doctorate at Emory University School of Law in Atlanta, GA, he focused his career facilitating sensible growth within Healthcare, Technology, and Financial companies. In addition to his roles in legal and risk management, Steve has held executive operational positions in several growth organizations. Steve serves as HealthPlanOne’s Chief Legal Officer, Chief Compliance Officer, and Chief Privacy Officer.

 Dr. Darwin Hale is the CEO and Founder of Advocate Health Advisors (AHA), serving all fifty states and the Commonwealth of Puerto Rico. He launched AHA 20 years ago, inspired by a personal mission to help his mother navigate the complexities of Medicare when she turned 65. Since then, Dr. Hale has transformed that experience into a powerful, purpose-driven organization. For over two decades, AHA has helped millions of Americans get the most wellness out of each healthcare dollar available. Preventive care models, such as Medicare Advantage, offer tremendous value by providing Medicare beneficiaries with access to high-quality, affordable, and personalized care. However, the U.S. healthcare system can be complicated and costly for those who do not know how to navigate it. That is where Dr. Hale's vision has made an impact—building a nationwide infrastructure of community-based brokers who represent the best interests of their clients.

A national thought leader in healthcare advocacy, Dr. Hale is deeply engaged at the Federal, State, and Local levels. He regularly collaborates with members of Congress on Medicare-related issues and participates in state-level forums such as the National Association of Insurance Commissioners.

Dr. Hale actively combats fraud, waste, and abuse in the industry. He spearheaded initiatives such as Spot the Scam, which educates Americans on how to avoid fraudulent Medicare activity, and How to Pick a Quality Health Insurance Agent for Your Medicare Plan, which empowers beneficiaries to evaluate local, licensed agents.

He is the best-selling author of Need to Know, "How to Arm Yourself and Survive on The Healthcare Battlefield." The book is packed with valuable advice on staying out of the hospital and managing personal wellness. Retired Colonel Hale mobilizes his military mindset to give us winning strategies for better health and a better healthcare system.

Advocate Health Advisors has become a nationally respected voice for underserved populations, particularly Veterans and those eligible for both Medicare and Medicaid. Beyond helping people choose the right coverage, the organization also intervenes in denied claims and access issues to ensure proper support and resolution— services that are becoming even more critical as rising costs and evolving technologies introduce new complexities. Since five percent of the population consumes fifty percent of healthcare resources, this is not only a moral imperative, but it also saves the system money.

Before founding AHA, Dr. Hale held executive roles at AT&T and IBM, where he managed P&L and created the Business Strategy for Fortune 500 healthcare companies. His close work with senior leaders gave him a deep, systems-level understanding of the healthcare ecosystem. He also served on the board of the American Telemedicine Association and other advisory boards focused on telehealth, systems integration, and innovation. These experiences carried over into his company today.

Rather than sell the company he built, Dr. Hale chose to invest further in the industry. He earned his Doctoral degree with groundbreaking research on broker quality in the Medicare Advantage industry. His work scientifically demonstrates how local community-based brokers improve client satisfaction, raise industry standards, and influence national healthcare policy. He also holds an MBA with a concentration in Finance and a BA in International Studies from the University of South Florida.

A retired U.S. Army Colonel, Dr. Hale completed seven overseas deployments and served in the U.S. Special Operations Command's Antiterrorism Division. He earned eighteen military awards, including the Legion of Merit. His military experience has carried over into a life of service after service, where he actively combats the inefficiencies of the U.S. Healthcare system.