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Speaker 1: Welcome to another episode. Oh, I tell you what I

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Speaker 1: did the responsible thing over the weekend. Did you guys

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Speaker 1: do the responsible thing over the weekend?

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Speaker 2: What was that?

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Speaker 1: I'll bet you didn't do the responsible thing over the weekend.

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Speaker 1: And you should do the responsible thing sooner than later, Sam,

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Speaker 1: because you're gonna be having a baby here in like

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Speaker 1: two three weeks.

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Speaker 2: I am. Oh, gosh, don't remind me. I don't understand.

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Speaker 2: What did you do?

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Speaker 1: What are we supposed to do? I?

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Speaker 2: Can you give me more context?

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Speaker 1: You should know this, yes, and you should know this.

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Speaker 1: This should be on the front of your mind, especially

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Speaker 1: right now moving forward. Turn the clocks. No, that's let's

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Speaker 1: this coming. That sucks? I know. Yeah, that's a whole

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Speaker 1: other thing. What anybody guessing? Everybody's doing it right now? Everybody,

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Speaker 1: everybody listening should be doing it right now. If you're

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Speaker 1: if you are, you know, if you're employed on a

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Speaker 1: full time basis.

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Speaker 2: We're employed the same benefit.

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Speaker 1: Yes, take you over a minute to get there open enrollment?

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Speaker 3: Nah, fine it no, it's not heyet it actually actually

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Speaker 3: I saw something about I don't know if this is

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Speaker 3: everybody or if.

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Speaker 1: It's just hard how to extend it?

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Speaker 2: No, no, no, no, no, listen.

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Speaker 3: I'm actually I am more on top things than you

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Speaker 3: give me credit for sometimes, so thank.

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Speaker 1: You for that.

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Speaker 3: But no, I saw somewhere I think that there's something

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Speaker 3: about this year. If you don't like go in and

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Speaker 3: manually do it, it'll just roll over to whatever you had.

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Speaker 1: Don't count on that. You who's is your baby going

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Speaker 1: to be covered under?

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Speaker 2: We have not looked ato that.

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Speaker 3: But I don't have the baby yet, So how like

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Speaker 3: that's kind of the crazy timing of it. How do

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Speaker 3: I go in and apply it, like do my benefits

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Speaker 3: and stuff? But then if I'm going to have a.

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Speaker 1: Baby, life change that you can go in and do

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Speaker 1: once you have the child, But you want to make

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Speaker 1: sure that you've got everything lined up just in case

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Speaker 1: your baby waits until January first.

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Speaker 2: I got major problems this.

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Speaker 1: Way wrong.

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Speaker 2: I don't, they don't.

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Speaker 1: We should all get this open enrollment. You gotta go

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Speaker 1: do your open enrollment, did you. Here's my guy, Lauren

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Speaker 1: does it?

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Speaker 2: Lauren doesn't.

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Speaker 1: He's Lauren does everything for him. Hers is better than ours.

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Speaker 1: Everyone needs easy? Come on now, careful.

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Speaker 2: I don't mind her name.

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Speaker 1: I don't think it's bad.

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Speaker 2: Yeah, I don't have any complaints.

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Speaker 1: I think it's better than it's ever been. Yeah, I

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Speaker 1: think back in the day, I remember it being pretty rough.

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Speaker 1: Anesthetic was a brick to the head. I'm just happy

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Speaker 1: it was still like five hundred dollars copay, you know.

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Speaker 3: I'm just happy to have benefits. There was a time

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Speaker 3: in my life where I did not have benefits with work.

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Speaker 1: Most in radio don't.

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Speaker 3: Yeah, and uh, And I just remember thinking, like just

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Speaker 3: telling people like, yeah, my my requirements for dating a

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Speaker 3: guy is that he's got health insurance.

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Speaker 2: That was pretty much, oh, you have health insurance, all right.

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Speaker 3: Just wanted to not be a dirtbag and have health insurance,

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Speaker 3: and that was pretty tough.

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Speaker 2: Hawthorn got her.

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Speaker 1: Like blue cross, blue shield, you're required.

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Speaker 3: Luckily for me, by by the time I met Hawthorne,

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Speaker 3: I had my own health insurance.

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Speaker 1: Your requirements for dating a guy, yeah, was health insurance.

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Speaker 2: I had a low bar.

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Speaker 1: He had health insurance. Yeah, well, how does that affect you?

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Speaker 2: Well, because I feel like you're not married.

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Speaker 1: If you're dating, you don't get any benefits of the

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Speaker 1: health insurance.

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Speaker 3: Yeah, but eventually I might. And then also I just

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Speaker 3: feel like if you have a job that he has

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Speaker 3: health insurance, you're probably somebody pretty responsible. Yeah, like you

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Speaker 3: got a good job at that point.

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Speaker 1: Well, not everybody does.

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Speaker 2: I don't know.

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Speaker 3: I mean, if you have benefits, you generally have a

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Speaker 3: decent job.

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Speaker 1: No, absolutely, I think you have decent job if you're

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Speaker 1: all working and contributing no matter what. Yeah, you're Yeah,

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Speaker 1: but you should find a way to have some benefits

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Speaker 1: in case the you know, the worst case scenario happens,

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Speaker 1: but open enrollment. If so, you don't even have to

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Speaker 1: do it. So my guy's out of the conversation. But wait,

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Speaker 1: you do it. You get all the stuff out of

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Speaker 1: the way. It's slick. It gives you all the stuff

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Speaker 1: that you have. It's like, okay, this is what you

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Speaker 1: currently have. You and just keep going. And I know

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Speaker 1: you're just gonna get that at that time.

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Speaker 2: That's not true.

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Speaker 3: I'm actually very attentive when I am doing my benefits

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Speaker 3: and when I'm doing things.

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Speaker 2: I don't know, like I don't I'm actually pretty responsible

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Speaker 2: with that stuff.

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Speaker 1: I've never known you to be.

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Speaker 2: I know. But when it comes to like benefits, I'm

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Speaker 2: not ripping you.

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Speaker 1: I'm just talking about normally you don't get this stuff

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Speaker 1: done that it overlaps. Oh, you know, all those little

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Speaker 1: tests and things that we have to do, the f

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Speaker 1: SEC requirements, all that stuff. You never get it done

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Speaker 1: on time. You get on this hit list email corporate

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Speaker 1: and it calls you out and it says Sam san

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Speaker 1: severe and old caps. And I'm not lying either, by

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Speaker 1: the way.

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Speaker 2: The attention, yeah is obsessed with me.

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Speaker 1: You make it sure that you get your benefits done

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Speaker 1: because you're having a baby. You're gonna need the benefits

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Speaker 1: and all that kind of stuff. So but when you

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Speaker 1: go in, they're gonna it's like buying a car. Do

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Speaker 1: you want the little three M coding on the front hood,

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Speaker 1: you know? Do you want your uh, the alloy wheels?

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Speaker 1: You know? I do want to change the tread. Seriously,

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Speaker 1: they changed a lot because well they just have more offers.

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Speaker 1: They offer, like, you want one time life insurance? Do

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Speaker 1: you want two times? Okay, that's gonna be a wellness

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Speaker 1: check and it's gonna be like fifteen bucks a month

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Speaker 1: or something like that. Do you want to do this?

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Speaker 1: Do you want pet insurance? It offers pet insurance.

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Speaker 2: I know it does.

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Speaker 3: I've looked into it, but I didn't really I haven't

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Speaker 3: opted for it.

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Speaker 1: It offers like some kind of thing if you go

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Speaker 1: to the hospital, some kind of hospital insurance. I mean,

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Speaker 1: all sorts of all these little knickknack things. Yeah, and

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Speaker 1: you just that's the part where I'm just going no, no, no, no, no, no,

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Speaker 1: no no.

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Speaker 2: No, yeah, that's pretty much what I do.

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Speaker 1: I mean, if you lose a finger, it's worth like

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Speaker 1: fifty bucks or something like that, that kind of stuff.

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Speaker 3: For all of the appointments that I've had this year

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Speaker 3: being pregnant, I am not close to touching my deductible.

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Speaker 2: How is that even possible?

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Speaker 1: Wow?

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Speaker 2: Isn't that crazy?

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Speaker 1: That is amazing?

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Speaker 2: Wild?

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Speaker 1: Are you doing it right?

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Speaker 2: I don't know.

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Speaker 1: Something's weird there.

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Speaker 2: I don't know.

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Speaker 1: But you've had an appointment every like seems like every week.

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Speaker 2: I've had so many appointments, and you.

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Speaker 1: Haven't met the deductible, not even like. This is why

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Speaker 1: I asked this question.

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Speaker 2: This is why no bills.

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Speaker 1: You probably have a card when you're working at KQ

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Speaker 1: that expires in no, it's covered.

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Speaker 3: I pay my bills like I'm paying money, but my

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Speaker 3: deductible is not even close.

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Speaker 1: All right, this conversation is now going off.

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Speaker 3: So there's the there's there's the out of pocket amounts, right,

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Speaker 3: and then there's the deductible.

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Speaker 1: You have a high deductible. You do have you have

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Speaker 1: a and so you use an HSA. I'm sure, No,

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Speaker 1: we don't.

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Speaker 3: Touch our HSA because I just want that. Oh no,

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Speaker 3: like we're trying to build it.

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Speaker 1: Sure you can invest that too. Put that investments.

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Speaker 2: Yeah, I know, we talked about that, so I gave.

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Speaker 1: It the I even told you some some funds.

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Speaker 3: Yeah, and I told you I'm not going to touch it.

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Speaker 3: That's Hawthorne's job. I am a very irrespond.

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Speaker 1: But if you're not going to touch it, don't sit

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Speaker 1: it there, sit in there, let it flat line, let

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Speaker 1: it grow. Put it in investments.

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Speaker 2: It's growing baby stuff.

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Speaker 1: Yeah, you need investments. We're talking. We're going to make

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Speaker 1: this conversation off. I don't think you're insured. You're just

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Speaker 1: spending all this I am. I brought this up open

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Speaker 1: and rollment for everybody. Make sure to do your open

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Speaker 1: and rollment. Not all of them. I don't know if

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Speaker 1: they just default to what you had. Do your open

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Speaker 1: enrollment so you're not woe up like Sam spending hundreds

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Speaker 1: of thousands of dollars out of pocket just trying to

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Speaker 1: have a baby. Something's wrong. I'm like, I can't set

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Speaker 1: the mics off fast enough. I gotta get this figured out.

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Speaker 1: Thanks for listening to this episode. Up I tell you what,

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Speaker 1: You'll get more on the iHeartRadio app. Anywhere you get

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Speaker 1: your podcast. Please rate, review, subscribe, download, chair and like.

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Speaker 1: Thanks