WEBVTT - Eddie & Jason w/ Daniel LaBoard -- 10/22/25 0:00:00.280 --> 0:00:05.200 With the inquirer. Your benefits plans are coming up here, 0:00:05.240 --> 0:00:09.600 people with Medicare and stuff, and I don't know what 0:00:09.680 --> 0:00:14.160 I should do about that because I'm sixty eight years old. 0:00:14.680 --> 0:00:17.560 You know what, Let's let's get our guests on this 0:00:17.600 --> 0:00:20.880 is cool to have. I can actually get a free 0:00:20.960 --> 0:00:25.840 consultant here. But what we're talking about here when you 0:00:25.880 --> 0:00:28.200 go in it is that time of year when you 0:00:28.200 --> 0:00:32.080 you know, have to go back in and do your 0:00:32.560 --> 0:00:37.240 insurance work. Insurance YEP, and medicare as a matter of fact, 0:00:37.760 --> 0:00:42.640 that we're talking about pretty healthy jump in price here 0:00:42.960 --> 0:00:48.040 to discuss daniel leboard lebroad from Healthcare Benefits. He's our 0:00:48.200 --> 0:00:53.200 healthcare benefits expert. And daniel what are we looking at here? 0:00:53.400 --> 0:00:56.040 You know, I think we're in for a shot this year. 0:00:57.000 --> 0:00:58.320 We were kind of in our industry were. 0:00:58.240 --> 0:00:59.640 Kind of warned about it earlier in the year that 0:00:59.640 --> 0:01:04.120 we're see big increases. But I'll tell you, you know, we position. 0:01:03.840 --> 0:01:06.400 Clients typically to say, hey, you're gonna have to look 0:01:06.400 --> 0:01:08.160 at an eight to ten percent each year. You kind 0:01:08.160 --> 0:01:10.120 of budget for that, and our goal is to always, 0:01:10.360 --> 0:01:11.920 you know, hopefully get that down further. 0:01:12.040 --> 0:01:13.680 I'll bringing an option that lower. 0:01:13.480 --> 0:01:16.360 That, but right now across the US, we're seeing I 0:01:16.360 --> 0:01:18.600 mean ten is on the low side. We're seeing twenty 0:01:18.600 --> 0:01:21.000 and thirty percent increases, which is unheard of. 0:01:21.360 --> 0:01:21.840 Wow. 0:01:22.640 --> 0:01:24.120 And the youse don't even have to do with, you know, 0:01:24.120 --> 0:01:27.200 any particular reason. It's just it's across the board, particularly 0:01:27.160 --> 0:01:30.360 the small employers, those with under fifty employees who are 0:01:30.360 --> 0:01:33.959 the hardest hit. They're gonna get destroyed this year. And 0:01:34.000 --> 0:01:35.880 that hurts employees as well because they got to pick 0:01:35.959 --> 0:01:38.640 up a portion or all of that increase as well. 0:01:39.080 --> 0:01:41.800 So, Daniel, let me ask, and I think everybody's asking 0:01:41.840 --> 0:01:45.399 the same question in their brain right now, is how 0:01:45.440 --> 0:01:49.760 come on both sides of the aisle. Every year, every politician, 0:01:49.800 --> 0:01:52.240 it seems like, running on we're going to get healthcare 0:01:52.760 --> 0:01:56.040 prices under control, We're going to lower them this, that 0:01:56.120 --> 0:01:58.400 and the other, and now stuff like this happens, and 0:01:58.480 --> 0:02:01.760 it looks like, as you just said, you're we're telling 0:02:01.800 --> 0:02:05.480 people to build in that cost for basically the rest. 0:02:05.240 --> 0:02:05.880 Of your life. 0:02:06.280 --> 0:02:08.880 Why can't this be controlled. 0:02:09.960 --> 0:02:12.280 The only it can be controlled? And that's the problem, 0:02:12.320 --> 0:02:14.720 The issue, the biggest issue we have right now is 0:02:14.800 --> 0:02:17.600 the system is controlled by really two parties. You're controlling 0:02:17.680 --> 0:02:20.960 it's controlled by the larger healthcare systems. You're you know, 0:02:21.160 --> 0:02:24.280 in Dallas we've got big Textans Health and Presbyterian and Baylor, 0:02:24.320 --> 0:02:26.560 Scott and White. Across the nation, you've got very large 0:02:26.560 --> 0:02:30.000 healthcare systems and they work. You know, their primary payer 0:02:30.120 --> 0:02:34.560 are the insurance companies. In my opinion, the two of 0:02:34.560 --> 0:02:38.480 them are in collusion. You know, they're they're battling and 0:02:38.760 --> 0:02:41.160 working on contracts to get paid by the insurance companies. 0:02:41.160 --> 0:02:43.840 Thescurance companies are trying to pay them. But overall the 0:02:43.880 --> 0:02:44.799 two of them are. 0:02:44.840 --> 0:02:47.600 All they worry about is profit, and they have to 0:02:47.639 --> 0:02:50.480 answer their boarder directors, and so there's a misaligned incentive 0:02:51.160 --> 0:02:53.440 when it comes to the employers and the and the 0:02:53.480 --> 0:02:56.840 public because we just want good healthcare and a reasonable rate. 0:02:57.520 --> 0:03:00.480 But they're trying to but they're having an answer. They're 0:03:00.480 --> 0:03:03.160 having answer shareholders, and they have to make profit. And 0:03:03.600 --> 0:03:06.320 you know, it just doesn't work. And that's why rates 0:03:06.320 --> 0:03:08.760 cup every year because they everyone has to give themselves 0:03:08.760 --> 0:03:10.160 a ten percent raise every year. They have to go 0:03:10.200 --> 0:03:11.400 to the board and say, hey, how do we make 0:03:11.440 --> 0:03:13.360 more money? Well, we got to raise rates, how do 0:03:13.360 --> 0:03:14.079 you that's it? 0:03:14.200 --> 0:03:14.760 You raise race. 0:03:14.800 --> 0:03:16.360 You have to do that, you have to pay providers. 0:03:17.240 --> 0:03:19.320 It's just this back and forth between the two of them. Meanwhile, 0:03:19.320 --> 0:03:22.040 we're sitting back here going we're footing the bill. So 0:03:22.840 --> 0:03:27.040 there are ways, there are ways, however, to stop that, 0:03:27.400 --> 0:03:29.960 and we're doing it at our company and a lot 0:03:29.960 --> 0:03:31.040 of broken around the country. 0:03:31.639 --> 0:03:33.040 But I'll let you kind of ask the next question. 0:03:33.080 --> 0:03:33.760 I'll get into that. 0:03:33.880 --> 0:03:35.680 Well, that was going to be my next question was 0:03:35.720 --> 0:03:37.720 how do you break up? How do you break up 0:03:37.760 --> 0:03:40.280 that party in exactly? How do you get more competition 0:03:40.400 --> 0:03:40.720 in there? 0:03:40.800 --> 0:03:45.520 And yeah, so it's not even competition. So it's comes 0:03:45.520 --> 0:03:47.880 down to contract. So the largest payer of healthcare in 0:03:47.880 --> 0:03:51.280 the United States and Medicare, they could everything is based 0:03:51.280 --> 0:03:51.840 off of them. 0:03:51.880 --> 0:03:55.160 So here's a good example and a way to understand. 0:03:54.800 --> 0:03:57.560 How healthcare works with the health insurance company, the health care, 0:03:57.720 --> 0:04:02.320 the health systems. If I get a h you said 0:04:02.320 --> 0:04:04.080 you're sixty eight, I think ed right, you know, on 0:04:04.120 --> 0:04:10.080 a day over forty, just so you know, So if 0:04:10.120 --> 0:04:12.480 you go and get a procedure done and Medicare pays 0:04:12.520 --> 0:04:15.000 that health system one thousand dollars for it, right, that's 0:04:15.040 --> 0:04:20.200 the basis of all of all negotiation of all contracts. 0:04:20.279 --> 0:04:23.320 Medicare is a basis. So Medicare pays that provider one 0:04:23.320 --> 0:04:27.600 thousand dollars. Done, the health system says, hey, signa, we're 0:04:27.640 --> 0:04:30.160 going to bill you six hundred percent Medicare. So they 0:04:30.279 --> 0:04:35.000 bill signa six thousand dollars for that procedure, right, six times. 0:04:35.120 --> 0:04:36.960 Now Sigma though says, hey, wait a minute, we have 0:04:37.000 --> 0:04:38.880 a contract with you. We're going to go ahead and 0:04:38.920 --> 0:04:41.280 we're going to We're gonna give you a fifty percent discount. 0:04:41.400 --> 0:04:43.800 What happens then it goes down to three thousand. That 0:04:43.920 --> 0:04:47.559 is still three hundred percent Medicare. We are paying three 0:04:47.680 --> 0:04:53.920 times what that true rate of the procedure is. And 0:04:53.960 --> 0:04:55.880 that's the problem with the system. The two of them 0:04:55.880 --> 0:05:00.599 are overpaying. We're overpaying for care that we shouldn't be 0:05:00.839 --> 0:05:03.680 We should be doing the same, and the public should 0:05:03.680 --> 0:05:05.440 be paying the same amount of Medicare, or what we 0:05:05.480 --> 0:05:06.360 call reference face pricing. 0:05:06.440 --> 0:05:07.320 We pay a little bit more. 0:05:07.520 --> 0:05:10.240 We say, okay, Medicare doesn't make it really profitable for 0:05:10.320 --> 0:05:12.080 healthcare systems. I mean there might be a couple of 0:05:12.080 --> 0:05:15.080 percentage points with a profit. We say, hey, we're going 0:05:15.160 --> 0:05:16.640 to pay your fair. Reason about let's call it one 0:05:16.720 --> 0:05:18.800 hundred and twenty five one hundred and fifty percent of medicare. 0:05:19.520 --> 0:05:23.080 The healthcare systems make money. We pay a lot less 0:05:23.080 --> 0:05:25.120 for the healthcare we're getting. And that's how you keep control. 0:05:25.240 --> 0:05:27.880 That's how you controlled the cost of health care by 0:05:27.920 --> 0:05:29.960 reducing the amount we're paying for claims. 0:05:30.320 --> 0:05:32.159 And in that case, everyone wins. 0:05:32.440 --> 0:05:36.360 The healthcare systems get paid, the employees get their health coverage, 0:05:36.360 --> 0:05:37.320 and our rates stay down. 0:05:37.600 --> 0:05:39.680 The only one not happy about it is the insurance company. 0:05:40.120 --> 0:05:44.320 Daniel Lebrod is our guest. He is the CEO of 0:05:44.360 --> 0:05:50.159 Ovation Health and Life Services. And so daniel who who 0:05:50.200 --> 0:05:53.520 needs to make this change? Can we as people? I mean, 0:05:53.560 --> 0:05:56.680 obviously we're the ones that are taking it up the 0:05:56.839 --> 0:06:00.680 you know, and what can we do about it? Politicians 0:06:00.720 --> 0:06:03.719 aren't doing anything about it? How can we change this? 0:06:05.279 --> 0:06:07.440 So we're changing this. What we say is and I 0:06:07.440 --> 0:06:09.200 have a mastermind group. We talk about this a lot. 0:06:09.400 --> 0:06:12.640 We're changing one employer at a time. In my opinion, honestly, 0:06:12.680 --> 0:06:14.479 it starts with the employers. The employers have to be 0:06:14.520 --> 0:06:16.800 fed up and they are getting set up because they 0:06:16.800 --> 0:06:17.320 can't afford it. 0:06:17.320 --> 0:06:18.719 They can't afford to offer benefits. 0:06:19.120 --> 0:06:22.479 The employers need to first of all, know there are 0:06:22.520 --> 0:06:24.799 options and ways to do things, and these are things. 0:06:25.160 --> 0:06:27.400 Number one, you need to go self funded, and we 0:06:27.400 --> 0:06:29.640 can do self funding down to the smallest employer of 0:06:29.680 --> 0:06:31.520 two people all the way up to thousand thousand. The 0:06:31.520 --> 0:06:34.400 biggest companies in the nation use self funding as a 0:06:34.440 --> 0:06:37.640 mechanism to control costs. You need to be working with 0:06:37.680 --> 0:06:42.880 a consultant or a broker that embraces level funded self funding, 0:06:43.000 --> 0:06:48.120 captives alternative funding situations. And some people think, well, that's new, 0:06:48.160 --> 0:06:49.760 I've never heard of it. Well, first of all, it's 0:06:49.800 --> 0:06:52.960 been around forever, and the ACA actually made it more 0:06:53.080 --> 0:06:56.080 viable to do it for smaller groups. But actually, now 0:06:56.360 --> 0:06:58.719 sixty four percent I believe the number is about sixty 0:06:58.760 --> 0:07:02.760 four percent of all US employers are doing some sort 0:07:02.760 --> 0:07:06.640 of self funding health plan. But that's still a lot 0:07:06.680 --> 0:07:08.640 of those are the big employers. But still everyone is 0:07:08.680 --> 0:07:10.520 starting to embrace that because of realizing it's the only 0:07:10.520 --> 0:07:11.520 way to make change. 0:07:12.840 --> 0:07:19.280 So my open enrollment's coming up in my company, whatever 0:07:19.360 --> 0:07:23.080 they offer me, that's that's what I got. Or is 0:07:23.120 --> 0:07:25.360 there a way to even is there an even little 0:07:25.400 --> 0:07:28.760 tricks of the trade to kind of, you know, nibble 0:07:28.800 --> 0:07:31.040 around and save yourself a few bucks. 0:07:31.880 --> 0:07:34.000 You know, if you're getting through your employer, it really 0:07:34.080 --> 0:07:36.800 has to go into the employees complaining to the employer, like, 0:07:36.840 --> 0:07:38.920 we can't afford this, we need we need to look 0:07:38.960 --> 0:07:42.000 at I heard about these alternative strategies which are becoming 0:07:42.000 --> 0:07:44.240 the mainstream now. So you just say, hey, why are 0:07:44.280 --> 0:07:47.400 we why are we fully insured? Why aren't we looking 0:07:47.400 --> 0:07:49.680 at these other things, these other options? Have you talked 0:07:49.680 --> 0:07:53.800 to our consultant ever broker about that. Unfortunately, the employees 0:07:54.120 --> 0:07:56.320 don't know what they don't know, and they're just taking 0:07:56.360 --> 0:07:58.080 what the employer gives them, and they don't have the 0:07:58.080 --> 0:08:01.960 power to make necessarily make that change. I know in Texas, 0:08:02.000 --> 0:08:03.920 if you're out in the you say, well, maybe I 0:08:03.920 --> 0:08:06.200 can go to the individual market under you know, healthcare 0:08:06.200 --> 0:08:09.280 dot gov and get a policy. Well, Texas, all that's 0:08:09.280 --> 0:08:13.920 available is HMO with and nobody likes it, you know, 0:08:14.080 --> 0:08:16.480 and so everyone is kind of stuck in. And even 0:08:16.520 --> 0:08:19.080 those rates are terrible for the most part, they're going 0:08:19.160 --> 0:08:19.680 up every year. 0:08:20.440 --> 0:08:21.520 It does start, in my. 0:08:21.520 --> 0:08:24.720 Opinion, it does start with the employer, but the employer 0:08:24.800 --> 0:08:26.760 is not going to be making changes until either it 0:08:26.840 --> 0:08:30.640 hurts their pocketbook or the employees complain enough that I 0:08:30.720 --> 0:08:33.800 just can't do this. I can't afford this, And so 0:08:34.000 --> 0:08:35.520 it is it's got to be there's got to be 0:08:35.520 --> 0:08:36.960 that pain to make that move. 0:08:37.040 --> 0:08:38.280 And I think this year is gonna be the year 0:08:38.320 --> 0:08:38.600 of pain. 0:08:39.600 --> 0:08:43.720 Daniel Lebron is our guest from Ovation Health and Life 0:08:43.760 --> 0:08:46.760 and Daniel talk about that as I As I said, 0:08:46.840 --> 0:08:50.600 I'm not on medicare yet, but definitely thinking about it. 0:08:51.000 --> 0:08:54.439 What should I get a consultant? Because I hear so 0:08:54.480 --> 0:08:56.880 many people say, hey, talk to consultant, They'll tell you 0:08:56.920 --> 0:08:59.319 what to do in the plans, blah blah blah. Where 0:08:59.360 --> 0:09:01.560 should I just go home with these government websites and 0:09:01.600 --> 0:09:03.199 look it over. What's the best option? 0:09:04.679 --> 0:09:07.240 So as you come about Medicare, Medicare is really confusing. 0:09:07.360 --> 0:09:09.640 We have we actually, you know, I have an in 0:09:09.760 --> 0:09:12.360 house specialists for that. We help people get a Medicare 0:09:12.360 --> 0:09:14.840 because it has so many options, you know, and you 0:09:14.880 --> 0:09:17.559 see people we have someone on our on our staff 0:09:17.600 --> 0:09:19.920 that turned sixty five last year. 0:09:20.040 --> 0:09:22.360 Or in March, and you know they helped with it. 0:09:22.520 --> 0:09:24.160 She's like, oh my god, I turned sixty four and 0:09:24.200 --> 0:09:26.160 a half. I started getting My mailbox is full of 0:09:26.160 --> 0:09:29.120 stuff on medicare, and I'm so confused, So I think 0:09:29.320 --> 0:09:31.760 you need There's a lot of options out. There's Medicare supplements, 0:09:31.800 --> 0:09:35.200 there's Medicare advantage plans. I personally like Medicare advantage plans. 0:09:35.200 --> 0:09:36.280 I think they're they. 0:09:36.120 --> 0:09:38.200 Give you the best coverage at the lowest cost. And 0:09:38.280 --> 0:09:43.480 basically your your Medicare is paying a health insurance company 0:09:43.480 --> 0:09:47.720 to pull you off of the Medicare books. Basically you 0:09:47.760 --> 0:09:50.520 get better coverage through a private through a private insurer, 0:09:51.080 --> 0:09:53.240 and it helps Medicare because now that the claims go 0:09:53.280 --> 0:09:55.600 to the insured, not to Medicare, which helps to help 0:09:55.679 --> 0:09:56.520 the Medicare system. 0:09:58.200 --> 0:09:58.400 Fine. 0:09:58.440 --> 0:10:00.880 Everything the financial decisions though, you have to look at 0:10:00.920 --> 0:10:03.120 it and say, what's the coverage of those, what's the 0:10:03.160 --> 0:10:05.600 cost going to be, and what is my best what's 0:10:05.640 --> 0:10:08.080 best for me financially, And that's everything. 0:10:08.080 --> 0:10:10.120 We have to be asked what HSA's earlier, and I'm like, 0:10:10.880 --> 0:10:11.840 I'm not a big fan. 0:10:11.720 --> 0:10:14.560 Of HSA's any longer, but they have their purpose for 0:10:14.640 --> 0:10:17.480 some people. You have to wait it out financially for yourself, 0:10:17.520 --> 0:10:20.480 your family and what is best for you. And that's 0:10:20.480 --> 0:10:23.280 where you definitely need whether it's a medicure consultant or 0:10:23.600 --> 0:10:26.800 your employee benefits consultant, at your at your employer. 0:10:27.120 --> 0:10:28.480 Somebody needs to be able to guide you. 0:10:28.480 --> 0:10:30.240 Along that pathway, and you should be getting that kind 0:10:30.240 --> 0:10:32.520 of service from your broker, consultant partner. 0:10:32.559 --> 0:10:35.920 Anyways, you know, it's says she said about the HSA. 0:10:37.880 --> 0:10:39.600 I just started doing one a couple of years ago, 0:10:39.640 --> 0:10:42.920 and I like it a lot. It's maybe it's just 0:10:43.000 --> 0:10:45.520 a mind thing where I'm like, Okay, there's a bill 0:10:45.559 --> 0:10:47.680 that comes in as my kid went to the doctor, 0:10:47.800 --> 0:10:50.760 and it's seventy five bucks. I'm like, okay, well I 0:10:50.760 --> 0:10:53.200 didn't I didn't budget for that this month. Well okay, 0:10:53.200 --> 0:10:55.400 no worries because I had enough in my HSA to 0:10:55.480 --> 0:10:58.280 cover it. And you know, so it obviously still comes 0:10:58.320 --> 0:11:01.959 out of your paycheck. But I don't know, I've kind 0:11:01.960 --> 0:11:05.040 of come to like that. Why don't Why aren't you 0:11:05.080 --> 0:11:05.600 a big fan? 0:11:07.320 --> 0:11:09.520 It's in very So let's go back to an HCA's 0:11:09.559 --> 0:11:12.559 came out originally, when they came out years ago, it 0:11:12.600 --> 0:11:15.199 was it was the whole idea was that there was 0:11:15.200 --> 0:11:17.760 a big cost difference between an HSA plan and say 0:11:17.800 --> 0:11:19.760 a copay plan, So. 0:11:19.679 --> 0:11:23.079 I could have my fifteen hundred dollars double copay plan. 0:11:23.160 --> 0:11:25.199 It's five hundred dollars and my HSA plan is three 0:11:25.280 --> 0:11:27.760 hundred dollars. Awesome, I say two hundred dollars a month, 0:11:27.800 --> 0:11:29.760 I put it in an HSA account. Now it's twenty 0:11:29.800 --> 0:11:31.760 four hundred dollars a year in that HSA account. I'm 0:11:31.760 --> 0:11:34.080 saving money and I still own the cash, and I 0:11:34.120 --> 0:11:36.240 only use it if I really need to. Makes total 0:11:36.280 --> 0:11:40.080 financial sense. I've had h ANDSA plans. The problem nowadays 0:11:40.120 --> 0:11:44.280 is the HSA premiums have caught up to the copay plans, 0:11:45.040 --> 0:11:49.319 and so now employers put that in and the employee says, well. 0:11:49.240 --> 0:11:51.080 I can't afford it. He said, I can't afford. 0:11:50.880 --> 0:11:53.480 A doctor business this month, I have nothing, And employees 0:11:53.520 --> 0:11:55.960 are not putting money into an HSA account any longer. 0:11:56.559 --> 0:11:59.480 And so what ends up happening is the employee says, well, basically, 0:11:59.520 --> 0:12:01.120 I have no coverage on my health plan, so I'm 0:12:01.120 --> 0:12:01.480 just not going. 0:12:01.480 --> 0:12:02.079 To go to the doctor. 0:12:02.800 --> 0:12:04.599 And they're so they're getting crappy your coverage for the 0:12:04.640 --> 0:12:08.240 same price you go. Now I have other other clients 0:12:08.240 --> 0:12:10.520 that say, hey, I don't use it. If I do, 0:12:10.640 --> 0:12:12.720 I can afford a doctor visit, and I want to 0:12:12.800 --> 0:12:15.040 use that agency to funnel, you know, eight thousand dollars 0:12:15.120 --> 0:12:17.680 a year for my family tax free. That's where we 0:12:17.720 --> 0:12:19.440 see most people doing it, is they're using it as 0:12:19.480 --> 0:12:22.400 a tax free you know, put money away tax free, 0:12:22.440 --> 0:12:23.720 and that makes financial sense. 0:12:24.800 --> 0:12:28.679 All right, Well, daniel Lebroad we could talk about this forever, 0:12:28.760 --> 0:12:30.680 and I'm sure we want to talk to you again. 0:12:31.000 --> 0:12:31.560 Good stuff. 0:12:31.800 --> 0:12:33.880 People want to find out more about what it is 0:12:33.920 --> 0:12:35.760 you do there at ovation Life. Where can they go? 0:12:37.280 --> 0:12:41.080 Uh? You dan Lebroad on LinkedIn great way to connect 0:12:41.080 --> 0:12:43.080 with me, and then you can go to ovationlife dot 0:12:43.080 --> 0:12:44.600 com and connect with us. 0:12:44.520 --> 0:12:45.080 There as well. 0:12:45.679 --> 0:12:49.280 Daniel thanks so much, man, Hey, thank you. Take care, 0:12:49.400 --> 0:12:53.319 take care. And uh, it's also confusing. That's the reason 0:12:53.360 --> 0:12:55.960 I brought it up because obviously all my friends are 0:12:56.000 --> 0:13:00.640 about my age and everybody's is always talked about medicare 0:13:00.760 --> 0:13:04.720 and trying to get on that, but even healthcare. I'm oh, 0:13:04.840 --> 0:13:09.000 I'm I've had a healthcare system, you know, a plan 0:13:09.840 --> 0:13:13.880 working at every job I've had, and every one of 0:13:13.920 --> 0:13:15.800 those things, I was like, uh, just do what I 0:13:15.800 --> 0:13:16.520 did last year. 0:13:16.720 --> 0:13:17.559 That's what I do a lot. 0:13:18.160 --> 0:13:19.600 I mean, frankly, you know what everybody does. 0:13:19.640 --> 0:13:24.360 Frankly, take right, Frankly, you take it for granted, Oh, absolutely, 0:13:24.440 --> 0:13:28.280 Like yeah, it's I mean, I'm saying we shouldn't should 0:13:28.440 --> 0:13:29.360 certainly I shouldn't. 0:13:29.600 --> 0:13:32.560 You know, the order are pretty important. It is yes. 0:13:33.040 --> 0:13:35.160 With that, we check in with traffic and weather. What 0:13:35.320 --> 0:13:36.960 is going on? 0:13:37.080 --> 0:13:40.920 Do you see Health Traffic Center Mammograms Save Lives called 0:13:40.960 --> 0:13:43.680 five one three five feet four pink. Schedule your annual 0:13:43.720 --> 0:13:46.719 mammogram with do you see Health Sexpert team five one 0:13:46.800 --> 0:13:50.400 three five eight four pink. Seventy five southbound Goldberths to 0:13:50.480 --> 0:13:53.240 Paddic a little heavy and southbound seventy five is songing 0:13:53.240 --> 0:13:55.880 through the work on Reggan Highway down to Norwood lad 0:13:56.120 --> 0:13:57.680 So planning a bit of a delay. Now went and 0:13:57.679 --> 0:14:00.400 wrote a Dutch comedy. We have police activity report a 0:14:00.440 --> 0:14:03.079 good idea if you can just avoid that area. Went 0:14:03.160 --> 0:14:07.600 to northbound approaching Dutch Colony as an accident and cruiser 0:14:07.640 --> 0:14:10.920 there also breakdown on seventy five northbound the on ramp 0:14:10.920 --> 0:14:14.280 from Donaldson as a breakdown on the entrance ramp and 0:14:14.559 --> 0:14:17.400 clean up is underway. We're seeing two seventy five northbound 0:14:17.400 --> 0:14:20.080 something between two seventy five and twelfth Street. It's about 0:14:20.080 --> 0:14:20.840 a five minute drive. 0:14:20.920 --> 0:14:21.120 Now. 0:14:21.480 --> 0:14:24.240 I'm Rick Shrimp Produced Radio seven hundred W DLW. 0:14:24.960 --> 0:14:28.440 The forecast from a seven hundred WLW weather center forward 0:14:28.520 --> 0:14:32.280 tonight partly cloudy and then clear towards morning. The low 0:14:32.320 --> 0:14:35.600 of thirty seven for tomorrow sunshine and the high of 0:14:35.720 --> 0:14:40.400 fifty seven. We're talking about a frost advisory for tomorrow 0:14:40.480 --> 0:14:43.240 night on end of Friday morning. We'll talk about that tomorrow, 0:14:43.600 --> 0:14:47.280 but right now it is fifty four degrees seven hundred. 0:14:46.840 --> 0:14:47.880 W l W. 0:14:48.840 --> 0:14:51.480 All right, mister Pennay, I'm going to show you some images, 0:14:51.600 --> 0:14:53.200 and you tell me, what do you see? 0:14:53.400 --> 0:14:55.840 Looks like a butterfly listening to Scott's Loan show. 0:14:56.080 --> 0:14:59.480 In this one, I see a rocket ship. A rocket ship, yeah, 0:15:00.240 --> 0:15:03.120 for the planet Sloan, I see. And this one that 0:15:03.280 --> 0:15:06.040 looks like a fish swimming in a mountain pond. Oh 0:15:06.520 --> 0:15:07.000 very good. 0:15:07.080 --> 0:15:09.320 Yeah, but the fish is angry because he's not listening 0:15:09.320 --> 0:15:10.040 to Scott Sloan. 0:15:10.160 --> 0:15:12.280 Scott Sloan, please listen responsibly. 0:15:12.480 --> 0:15:15.400 Join me, Scott Sloan Tomorrow morning at nine o'clock on 0:15:15.600 --> 0:15:17.360 seven hundred WLW might. 0:15:17.360 --> 0:15:19.680 Be best for us to discuss some strong medications. 0:15:20.160 --> 0:15:24.520 This report is sponsored by Backslatractor, your Cabota headquarters backslatractor 0:15:24.600 --> 0:15:25.240 dot com 0:15:25.360 --> 0:15:28.320 Backslattractor is Cincinnati's Cabota headquarters tractor.