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Speaker 1: Ari Parker is one of the leading medicare experts in

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Speaker 1: the country. He's co founder of Chapter Medicare. He's a

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Speaker 1: graduate of the Stanford Law School and also the author

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Speaker 1: of a best selling book called It's Not That Complicated,

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Speaker 1: The Three Medicare Decisions to make Ari welcome, Thanks, thanks

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Speaker 1: for joining me. We've actually gotten to know each other

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Speaker 1: because you have been navigating me through the Medicare labyrinth.

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Speaker 1: And I have to say, you know, I just turned

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Speaker 1: sixty five. I knew nothing about Medicare. In fact, I

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Speaker 1: didn't even know that it was mandatory to go on

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Speaker 1: Medicare when you turn sixty five. But unlike say Social Security,

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Speaker 1: where you just basically go, okay, I'm of a certain age,

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Speaker 1: I want to start getting payments, Medicare requires some expertise

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Speaker 1: and some knowledge, doesn't it.

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Speaker 2: Absolutely? And Denesh, thank you so much for allowing me

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Speaker 2: to help you with your Medicare. This is exactly the

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Speaker 2: experience that we've provided to tens of thousands of people,

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Speaker 2: and we can't wait to help give Medicare guidance to

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Speaker 2: your audience. So what you said is really important. Unless

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Speaker 2: you're working at age sixty five, Medicare is designed to

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Speaker 2: be your insurance, and there's actually penalties if you don't

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Speaker 2: enroll timely. Not only are there penalties, there's also major

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Speaker 2: consequences because what are you going to do for your

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Speaker 2: insurance if you don't start medicare.

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Speaker 1: Yeah, and not only that, but it seems ari just

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Speaker 1: from our experience, that in Medicare, you have Medicare, you

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Speaker 1: have Part B, you have a vision insurance, you have

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Speaker 1: prescription insurance. In other words, there are several components to this,

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Speaker 1: and you and I kind of worked this through together.

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Speaker 1: We went through it one by one, and I got

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Speaker 1: to say, just from my side, you made it unbelievably

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Speaker 1: easy for me because you had information at your fingertips.

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Speaker 1: You laid out options. I made decisions almost on the

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Speaker 1: spur of the moment. I then did what you said

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Speaker 1: or carried out your game plan, and boom, my whole

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Speaker 1: thing was done in very short order.

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Speaker 2: We take a personalized approach, so the situations that were

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Speaker 2: unique to Denesh might not be the case for someone

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Speaker 2: who's watching us discuss and that's why it helps to

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Speaker 2: have a one on one personalized consultation with one of

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Speaker 2: our advisors. And there's no charge. It's actually illegal for

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Speaker 2: medicare advisors to charge for their guidance, But that doesn't

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Speaker 2: mean that you're getting independent, unbiased advice. More often than not,

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Speaker 2: you're working with some one who's captive to a single

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Speaker 2: insurance company or maybe two or three. That's not the case.

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Speaker 2: A Chapter research every insurance company and every planned nationwide,

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Speaker 2: and it varies county by county, So someone viewing this

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Speaker 2: in Minnesota or California is going to have a different

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Speaker 2: set of plan options than you do in Texas.

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Speaker 1: I want to highlight what you just said because as

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Speaker 1: I understand, what you're saying is that and this is

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Speaker 1: something that people are familiar with when they invest money.

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Speaker 1: For example, you have a broker, but you don't realize

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Speaker 1: that the broker has an incentive to steer you into

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Speaker 1: this investment or that, and you're saying that that unfortunately

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Speaker 1: is also true in this general area. But one of

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Speaker 1: the advantages of going with you, guys is not only

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Speaker 1: is it free, and that's something worth highlighting, right, this

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Speaker 1: is not going to cost If anyone reaches out to Chapter,

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Speaker 1: they're not going to pay anything. You're going to provide

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Speaker 1: to them services that are free to them. And you're

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Speaker 1: also saying that you provide these services objectively in the

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Speaker 1: sense that you will review their options and propose the

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Speaker 1: best plan that is right for them exactly.

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Speaker 2: And unfortunately, there's no fiduciary like standard in the medicare world.

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Speaker 2: It's buyer beware, and so you have to be very

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Speaker 2: intentional about who you work with. Make sure that you're

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Speaker 2: working with someone that can help you evaluate all of

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Speaker 2: the options and moreover, can search those options based on

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Speaker 2: your three p's, your providers, your prescriptions, and your priorities.

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Speaker 2: And that's exactly the approach that we took together, Denesh,

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Speaker 2: and it's exactly what our team does day in and

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Speaker 2: day out here at Chapter.

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Speaker 1: Now, if someone listening to this or watching this is

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Speaker 1: already sixty five or just over sixty five, and they've

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Speaker 1: already like opted into some things and those things are

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Speaker 1: not the best options for them, and they reach out

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Speaker 1: to Chapter, can you show them a kind of a

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Speaker 1: path back to where they ought to be and how

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Speaker 1: do you get from here to there?

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Speaker 2: Yes, that's right. What people don't do is review their coverage.

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Speaker 2: So we set your coverage up a few months ago,

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Speaker 2: we're going to review it again in the near future.

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Speaker 2: And people don't realize that it's not set it and

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Speaker 2: forget it. You should review your Medicare coverage every year

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Speaker 2: because what changes are the plan options available to you.

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Speaker 2: Your health needs might change and the doctor networks change

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Speaker 2: depending on the type of coverage that you have, and

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Speaker 2: so that's why it's important to review your coverage. Don't

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Speaker 2: just set it and forget it.

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Speaker 1: Guys, I got to say that, you know, this has

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Speaker 1: been an experience dealing with Ari that I found to

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Speaker 1: be very simple, very fair minded, very illuminating. And it

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Speaker 1: was it was all strange territory for me at the beginning,

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Speaker 1: and I'm very pleased with the way that the whole

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Speaker 1: thing has been carried out. So Ari, I want to

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Speaker 1: commend you for the excellence of your services. Ari. The

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Speaker 1: other thing about our relationship that you have emphasized is

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Speaker 1: that it's not simply like a one and done. In

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Speaker 1: other words, I'm exactly where I want to be right now,

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Speaker 1: but we stay in touch and as updates occur or

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Speaker 1: maybe changes in my circumstances, Chapter is available to me

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Speaker 1: for that.

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Speaker 2: You're not just supported by me as your Medicare advisor.

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Speaker 2: You're also supported by our member advocate team, which is

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Speaker 2: the first line of defense for any questions that come

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Speaker 2: up around your coverage. For example, you get a claims

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Speaker 2: invoice that you don't understand. Those are written in hieroglyphics.

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Speaker 2: Our member advocate team will help you interpret it. You

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Speaker 2: go to the pharmacy and they charge you a ridiculous copey,

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Speaker 2: our member advocate team will make sure that you pay

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Speaker 2: the right amount. Those are all the types of issues

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Speaker 2: that our member advocate team will help you get to

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Speaker 2: the bottom up, so we are here to support you.

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Speaker 2: Twenty four seven three sixty five.

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Speaker 1: Well where I've ended up. I thought I had a

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Speaker 1: good insurance, but it was rather expensive before we talked.

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Speaker 1: I'm now on a Medicare plan. It's a great plan.

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Speaker 1: It's cost me a lot less uh, and so I'm

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Speaker 1: very happy with the result. Guys, here's how you reach

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Speaker 1: out to Chapter. The phone number is seven oh six

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Speaker 1: two six two four seven seven four. I'll repeat that

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Speaker 1: seven oh six two six two four seven seven four.

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Speaker 1: And here's the website. It's ask chapter dot org slash

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Speaker 1: Denesh ask Chapter dot org slash danesh Ari Parker, thank

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Speaker 1: you very much for joining me.

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Speaker 2: Thank you so much for having me.

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Speaker 1: Denesh I'm about to turn sixty five and people sometimes

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Speaker 1: say to me, Hey, you don't look sixty five, and

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Speaker 1: I'm like, sh I'm trying to fool the public for

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Speaker 1: the next few years. Well, if you're about to turn

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Speaker 1: six or already on Medicare, this is some important information

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Speaker 1: that you need to know. I've spent my life researching

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Speaker 1: government programs, and there are very few programs more confusing

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Speaker 1: than Medicare. I'm experiencing this issue firsthand. Choosing the right

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Speaker 1: Medicare plan is essential for protecting your health and wealth,

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Speaker 1: but the government and big insurance don't make it easy.

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Speaker 1: It's almost impossible to understand all of your options and

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Speaker 1: make an informed decision. Make one misstep, it could cost

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Speaker 1: you lifetime penalties or access to the doctors you trust. Now,

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Speaker 1: this is why you owe it to yourself to call Chapter.

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Speaker 1: They are the only advisors that search every single plan

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Speaker 1: nationwide and offer unbiased advice. If you're already on the

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Speaker 1: best plan, they'll tell you. If not, they'll help you switch.

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Speaker 1: And best of all, their help is totally free. They've

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Speaker 1: helped me, and I know they can help you as well.

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Speaker 1: Click the link below and connect with my friends over

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Speaker 1: at chapter Today

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Speaker 2: O