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Speaker 1: It's that time, time, time.

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Speaker 2: Time, Luck and load. The Michael Verie Show is on

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Speaker 2: the air. He was supposed to be interviewing Vanesh de

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Speaker 2: Suza about his new movie. And I'm assuming there's a

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Speaker 2: book that goes with that, because that guy can churn

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Speaker 2: out books like you know most of us write a

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Speaker 2: to do list. It's incredible how prolific his his writing

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Speaker 2: output has been over all these and he continues to

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Speaker 2: do so. I have asked that we postponed that because

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Speaker 2: the number of emails I am receiving and messages from

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Speaker 2: friends about this. The lack of information about Medicare and

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Speaker 2: not knowing where to go to find out more turns

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Speaker 2: out to be a bigger issue than I realized. Of course, hell,

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Speaker 2: I didn't realize how many women were struggling with menopause

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Speaker 2: till we did a couple of hours of radio on menopause.

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Speaker 2: And I'll tell you what, if you were to plan

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Speaker 2: segments based on thank you as you get from people

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Speaker 2: desperate from for information, I would do menopause on Monday,

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Speaker 2: Medicare on Tuesday. Yeah. How to hire good people? Where

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Speaker 2: the good people are to hire?

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Speaker 3: On? When?

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Speaker 2: I mean, these are things that people are oh Wiener

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Speaker 2: drugs and testosterone on Thursday, and then what would we

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Speaker 2: do on Friday? Ramon weight loss? We do weight loss

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Speaker 2: on Friday. Yeah, and that'd be it. There'd be our show.

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Speaker 2: I mean in terms of number of people reaching out

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Speaker 2: thanking us for information. Right now, if you saw my screen,

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Speaker 2: longer than the screen is number of emails that came

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Speaker 2: in in just the last couple of minutes. So I

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Speaker 2: have to scroll down to even see all the emails.

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Speaker 2: Justin White is our guest of Senior Health Services dot Com.

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Speaker 2: The question going into the break, Justin Catherine asks ask

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Speaker 2: about meta gap versus Medicare advantage. I've heard Medicare plus

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Speaker 2: metagap is far better and cuts out the barriers that

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Speaker 2: medic that med are rarely refused a treatment.

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Speaker 3: True, Oh my gosh, that's such a great question. This

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Speaker 3: is probably this is probably one of the biggest questions

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Speaker 3: that we have. Is this exactly this because if you ask,

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Speaker 3: if you ask five people this, you're going to get

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Speaker 3: eight opinions and they're all going to be different. Is

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Speaker 3: going to confuse the you know, the crap out of you.

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Speaker 3: So we've so, first off, meda gap is what they

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Speaker 3: pay a premium for so you'll pay a premium, and

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Speaker 3: it does give you more freedom generally to go when

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Speaker 3: and where you want to go. There's no referrals and

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Speaker 3: you know, and it is good. Now. The problem with

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Speaker 3: metagap is that premium is going up, and it's going

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Speaker 3: up disproportionately right now, and a lot of people are

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Speaker 3: running into problems affording it. But those that have money

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Speaker 3: and they know what they're buying, they're buying access and

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Speaker 3: convenience and you know, they travel a lot and things

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Speaker 3: like that. So it does work really well. But it

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Speaker 3: only does hospital and doctor stuff. It's not going to

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Speaker 3: do any extra things, no ancillary things, so people have

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Speaker 3: to keep that in mind. But the first thing is

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Speaker 3: just affordability. The Medicare Advantage plans are big federally sponsored

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Speaker 3: group insurance plans. That's where your HMOs and your PPOs are.

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Speaker 3: Still most of them still don't have any premium, believe

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Speaker 3: it or there's a premium, but the government's paying it.

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Speaker 3: So we find very definitively and this is one thing

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Speaker 3: you can know from Senior Hill Services. We are not

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Speaker 3: going to shoehorn you into one or the other. Because

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Speaker 3: one thing we've learned is we've got to ask questions

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Speaker 3: and determine who we're talking to. And there are very

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Speaker 3: definitely Medicare advantage people, and they are very definitely Medicare

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Speaker 3: supplement people. And I have learned long time ago, thankfully,

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Speaker 3: that if I take a supplement person and put them

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Speaker 3: in advantage or take advantage person put them in a supplement,

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Speaker 3: I'm going to hear from I'm going to hear about it,

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Speaker 3: and it's not going to be good people. Generally, once

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Speaker 3: they get in the plan that fits their personality and

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Speaker 3: the style of care that they want, regardless of which one,

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Speaker 3: they're generally very happy because the satisfaction rates in both

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Speaker 3: of them for long term members are very high. It's

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Speaker 3: just a matter of having somebody that can you can

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Speaker 3: ask questions of to determine which one suits the type

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Speaker 3: of coverage that you want.

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Speaker 2: If that makes Senior Health Services dot Com, as our

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Speaker 2: guest Tom writes, good Mornings are am. I primary care

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Speaker 2: physician has been requiring two visits a year with blood work.

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Speaker 2: He said, because I'm on regular prescription of ten milligrams

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Speaker 2: of lissineprol, lowest amount that can be prescribed. I went

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Speaker 2: to the Medicare website Q and A and found that

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Speaker 2: there was no requirement for two physicals a year. That

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Speaker 2: was very disappointing. There's not a question, but do you

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Speaker 2: have a thought on that.

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Speaker 3: Yeah, there are a couple of meds that require, you know,

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Speaker 3: frequent follow ups. But I agree with him. I've not

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Speaker 3: heard that like centerpril is one of them. So yeah,

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Speaker 3: they're just again just a lot of confusion and chaos

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Speaker 3: and things, and sometimes the plans to require a couple

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Speaker 3: of a couple of extra visits and I don't want to.

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Speaker 3: I don't want to wander off too much in the weeds.

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Speaker 2: That's entirely but let me just say this. I'm not

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Speaker 2: the expert here, but I don't see a problem with

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Speaker 2: two physicals a year other than the cost and the time,

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Speaker 2: and nobody wants it. I get my blood drawn more

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Speaker 2: than any human being you'll meet, because I believe there

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Speaker 2: is a lot to be learned from blood, and especially

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Speaker 2: I have a baseline from my hearing, from my testosterone,

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Speaker 2: from my BP. And once you establish a baseline, which

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Speaker 2: is what I think everybody should do, you create the

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Speaker 2: norm based on testing long before you need it. Then

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Speaker 2: the minute you notice something is off. You can catch

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Speaker 2: things early. If you don't have a baseline, you don't

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Speaker 2: know if your numbers are higher than they were last year,

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Speaker 2: which is a problem. It's the delta that matters. So

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Speaker 2: I think, go get your physicals and go get your

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Speaker 2: blood tests if it doesn't cost a lot and you

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Speaker 2: have the time. Sendy from Beaumont says, how do they

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Speaker 2: determine your premium for Part B and Part D? I

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Speaker 2: believe I read they use your tax return from two

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Speaker 2: years ago. Unfortunately, I will not be making anything close

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Speaker 2: to that amount once I start drawing retirement and I'm

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Speaker 2: no longer working. How is that fair?

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Speaker 3: Yeah, well there's good news for her, so I will

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Speaker 3: tell you so, yeah, they do. She's absolutely right. Once

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Speaker 3: once you go into Medicare, they're going to means test

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Speaker 3: Part D. Part B and D as a matter of fact,

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Speaker 3: be the standard monthly premium this year is one hundred

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Speaker 3: and eighty five. It's going to go somewhere just over

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Speaker 3: two hundred for next year, is what we're looking. Looks

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Speaker 3: of the estimates look like. And if you make more

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Speaker 3: than a certain amount, they're going to make you pay more.

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Speaker 3: And they do. They go back two years to your

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Speaker 3: tax return, and they look at what's called the modified

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Speaker 3: adjusted gross income, and so Medicare coordinates with the IRS

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Speaker 3: to figure out what that is, and then they send

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Speaker 3: a letter saying what it's going to be. The good

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Speaker 3: news for her is that when you retire and your

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Speaker 3: income collapses like it often does, I mean, it doesn't

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Speaker 3: collapse necessarily, but it's less than what you're making when

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Speaker 3: you're working, there's an appeal form that she can turn

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Speaker 3: in because work stoppage or a great decrease in income

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Speaker 3: is a life changing event, and they can appeal whatever

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Speaker 3: that thing. It's called the IRMA, the income related monthly

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Speaker 3: adjustment amounts what they call it, and she can appeal

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Speaker 3: that IRMA and get them to send in the documentation

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Speaker 3: that they want. And we've had a lot of people

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Speaker 3: have success turning that thing in and getting that thing lowered, eliminated, entirely,

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Speaker 3: hanging tight.

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Speaker 2: Justin White Senior Health Services dot com. Either you or

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Speaker 2: your parents are on Medicare or will be soon enough

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Speaker 2: to get your questions answered coming up? Man's the term

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Speaker 2: anal intercourse on your program, Michael ri if it's relevant

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Speaker 2: to this story for journalistic purposes, Justin white Sendor Health

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Speaker 2: Services dot Com. They help people dealing with Medicaid, and

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Speaker 2: either you or your parents are very likely going through

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Speaker 2: that process.

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Speaker 3: Now.

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Speaker 2: The number of questions is fast that I can get

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Speaker 2: on the air, but I'm gonna make them quick, and

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Speaker 2: I'll shorten Justin's answers. Try to get as many answers

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Speaker 2: as we can. Arlene Hayes or many medical many medications

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Speaker 2: are new and don't have generics, and they're super expensive.

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Speaker 2: Medicare RX coverage pays for more of these. Please ask

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Speaker 2: Justin if he has any suggestions for how to deal

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Speaker 2: with this.

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Speaker 3: Yeah, great, great question. And that's that is the epicenter

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Speaker 3: of what's going on right now is centered around those drugs.

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Speaker 3: So I will tell everybody get your plan reviewed. For sure,

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Speaker 3: Medicare does a really good job on generics, but as

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Speaker 3: she's implying, in my opinion, Medicare does kind of a

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Speaker 3: crappy job on the brand names. But the good news

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Speaker 3: is one good thing that the Inflation Reduction Act did

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Speaker 3: was it brought in an annual cap. This coming year

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Speaker 3: it's going to be twenty one hundred dollars. And it's

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Speaker 3: weird how they figure that out. And I can't do.

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Speaker 3: We don't none of us have time to go into

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Speaker 3: that now. But that twenty one hundred dollars maximum, you know,

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Speaker 3: out of pockets. So that once your cost, whatever they

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Speaker 3: credit to you is twenty one hundred and above all,

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Speaker 3: your medags dropped down to zero. So that may make

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Speaker 3: her feel better, may may not make her feel better,

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Speaker 3: but everybody's going through it, and I would say, call in,

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Speaker 3: let us review it for you, and if there's some

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Speaker 3: something that we can shift her over to that'll give

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Speaker 3: her some relief, will certainly do that.

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Speaker 2: Dell writes, I am a disabled veteran one hundred percent,

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Speaker 2: so I have VA. I intend to retire next year.

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Speaker 2: Do I shift to Medicare when I start Social Security?

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Speaker 3: Thank you for your service, Bill, appreciate that so much.

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Speaker 3: That is such a great question. One of the dumbest

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Speaker 3: things in our country right now is that VA coverage.

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Speaker 3: Believe it or not, please everybody hear me say this

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Speaker 3: VA coverage as it stands right now is not considered

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Speaker 3: creditable to Wavepart B. So if we have a veteran

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Speaker 3: that is using that benefit that they earned and they say,

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Speaker 3: you know, I don't need Medicare right now, because I've

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Speaker 3: got the VA coverage and then you try to enroll later,

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Speaker 3: they're going to find people for not signing up for

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Speaker 3: b when they had the chance to at sixty five.

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Speaker 3: So what I would tell Bill is Bill, give us

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Speaker 3: a buzz There are some ways to get you into

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Speaker 3: that with with not much additional costs. We could discuss

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Speaker 3: that when you give a buzz in. But you can

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Speaker 3: stay on the VA and if you think that's where

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Speaker 3: you're going to go for the rest of your life

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Speaker 3: and you don't want to use any outside doctors, than

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Speaker 3: by all means you can do that. But if you

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Speaker 3: want some leeway down the road and you think you

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Speaker 3: ever will need Medicare, I would highly recommend getting it

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Speaker 3: in place and talk to us about some ways that

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Speaker 3: we can offset that cost so it doesn't so it

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Speaker 3: doesn't kill you. Because right now you're getting it for nothing,

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Speaker 3: and you add Medicare and you're like, I don't want

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Speaker 3: to add that cost. Sure, just call us, we'll talk

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Speaker 3: about what we can do.

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Speaker 2: Justin White Senior health Services dot Com, Scott writes, how

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Speaker 2: about asking him about United Healthcare plans to drop some

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Speaker 2: Medicare advantage plans that cover over six hundred thousand people.

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Speaker 3: Well, they are all you remember what I said earlier.

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Speaker 3: Those big carriers are the ones that are just kind

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Speaker 3: of they're kind of settling and they're hibernating a little

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Speaker 3: bit this year. Not all of them, but a lot

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Speaker 3: of them are, and a lot of them are dropping

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Speaker 3: different plans in different areas. So depending on where Scott is,

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Speaker 3: he may be in an area where they're trimming some

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Speaker 3: they're not trimming everywhere. So to find out how much

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Speaker 3: something's going to change for you or whether it's a

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Speaker 3: better option, the best thing I could the best advice

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Speaker 3: I can give is to get your plan reviewed because

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Speaker 3: we'll be able to tell you whether it's staying going,

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Speaker 3: you know, and just what the changes are, because at

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Speaker 3: the end of the day, you need to know how

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Speaker 3: it's changing, so you can decide do I want to

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Speaker 3: stay here or do I want to look for something

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Speaker 3: that's going to be that's going to possibly sit me better.

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Speaker 3: And the only way that you can do that is

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Speaker 3: with the review. But that's that's a good question. United

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Speaker 3: health Care and Humanity they're going nowhere, they're around and

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Speaker 3: if you like that plan and want to stay there,

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Speaker 3: you certainly have that prerogative, but you do want to

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Speaker 3: make sure you're not in an area where they're canceling

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Speaker 3: some of them, because that will happen. And it's not

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Speaker 3: just them, it's across the board. All the plans are

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Speaker 3: doing making adjustments like that.

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Speaker 2: Melanie writes, my father in law is eighty five and

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Speaker 2: his current plan does not cover hearing aids? Are there

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Speaker 2: any plans that do? I'll expand that to a number

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Speaker 2: of medical accessories justin what do you say?

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Speaker 3: Absolutely, it depends on what her father in law is

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Speaker 3: on if he if he is on a meta gap

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Speaker 3: on a Medicare supplement, then the hearing aids, he'd have

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Speaker 3: to actually add a plan, uh, in order to get

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Speaker 3: coverage on that thing if he decided to. And that's

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Speaker 3: and and at eighty five, that may be hard to find.

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Speaker 3: And most of the advantage plans do have some benefits

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Speaker 3: in that direction, And it just depends on which one

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Speaker 3: he's in. But yeah, I would, I would definitely. You know,

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Speaker 3: if that's something they're looking for, there's there should be

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Speaker 3: coverage possibilities. It's just a matter of whether that possibility

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Speaker 3: is what they want to when they enroll in.

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Speaker 2: All right, I'm going to go more rapid fire, so

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Speaker 2: if you keep them a little shorter.

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Speaker 3: Uh.

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Speaker 2: I'll assume this is a joke, but it's funny. I't

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Speaker 2: want to read it. You don't have to answer for

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Speaker 2: our aging liberals. It may be confused. After all these years,

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Speaker 2: do any of these plans cover gender transitioning care? You

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Speaker 2: don't need to answer that, Jenet right, No, Zara, please

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Speaker 2: ask mister White. Uh, with a Medicare supplement if I

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Speaker 2: can file an insurance claim myself. I'm returning to Houston

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Speaker 2: and found the doctor that I used to use does

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Speaker 2: not file insurance. His prices are so reasonable, But I

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Speaker 2: was wondering if I could file them myself like in.

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Speaker 3: The old days, and it's not a Medicare supplement.

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Speaker 2: Yeah, yes, I'd be sure. I wouldn't ready for that.

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Speaker 2: That's awesome, Okay, Laura Rights. Is it true that if

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Speaker 2: you retire at sixty five and elect to not have Medicare,

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Speaker 2: you will lose your Social Security benefits?

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Speaker 3: That is not true.

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Speaker 2: Man, he takes orders, didn't he pd rights are? I

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Speaker 2: was wondering if Justin can help me because I don't

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Speaker 2: live in Texas. Do all states have different rules and

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Speaker 2: plans for Medicare. I live in upstate New York. People

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Speaker 2: that are anyway that you get the question.

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Speaker 3: Yeah. The beautiful thing is Medicare is a federal program,

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Speaker 3: and there might be some state some little state things,

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Speaker 3: but for the most part, Medicare is impact as a

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Speaker 3: federal program, and I would say call in. We've got

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Speaker 3: people up there that can help with that if they

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Speaker 3: need it.

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Speaker 2: I'm going to consolidate this next question into a broader

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Speaker 2: question because there are a lot of them coming in

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Speaker 2: currently have Medicare and trycare for life. Ninety percent disabled

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Speaker 2: through the VA. Should I keep Medicare or drop it?

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Speaker 2: I'm sixty six US Army retired combat veteran from Desert Storm.

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Speaker 2: A lot of emails coming in on VA related issues,

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Speaker 2: your thoughts generally on that.

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Speaker 3: I would those guys the trackcare for life. My understanding

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Speaker 3: is that, And if there's exceptions to it, I'm not

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Speaker 3: aware of them. But my understanding is they need to

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Speaker 3: have A and B in place for trackcare. So anything

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Speaker 3: that he's wanting to make adjustments to his and I

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Speaker 3: just take a little longer to answer, since he's a veteran,

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Speaker 3: I want to make sure we get that right. I

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Speaker 3: would have him call the administrator of that plan and

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Speaker 3: ask that question to them. Generally speaking, when somebody's on

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Speaker 3: track here. My in laws were on track here, and

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Speaker 3: I left that thing alone because I didn't want to

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Speaker 3: screw anything up with it, and that would be the

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Speaker 3: thing I would say for them, So call them and

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Speaker 3: ask them that verify the things, and you know, we're

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Speaker 3: happy to talk with you as well, but I would

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Speaker 3: have him go right back there and just make sure

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Speaker 3: that you're not doing anything that that would jeopardize those

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Speaker 3: well deserved I'm.

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Speaker 2: Up against a break, but I can tell people have

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Speaker 2: a lot of questions and don't know where to go

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Speaker 2: to get answers Senior Health Services dot com. Justin White

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Speaker 2: as our guest, We're going to hang tight with him

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Speaker 2: for a bit more. Keep your emails coming in through

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Speaker 2: the website at Michael Berryshow dot com. Get right to

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Speaker 2: the point so I can ask them easily get on

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Speaker 2: because there is nothing here to.

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Speaker 1: Michael Berry shown contacted a doctor in England who's kind

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Speaker 1: of like a Mary Tally Boden in Houston, who has

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Speaker 1: been out there like Don Quixote Jousey at Windmills, trying

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Speaker 1: to say to the medical establishment, big pharma hospital systems.

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Speaker 2: Ivermactin works, hydroxychloroquin works. The COVID show is killing people.

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Speaker 2: The masks don't work. Stop shutting things down. And he

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Speaker 2: had quoted a story by a doctor who told the

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Speaker 2: story that he had gone in to see a patient

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Speaker 2: and he told the patient what to do, and he

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Speaker 2: was in and out of the room in twenty seconds.

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Speaker 2: And he turned and as he was walking out the door,

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Speaker 2: he turned and looked back and he said, how's your

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Speaker 2: day going? And the guy broke down into tears. And

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Speaker 2: the guy was going through a living hell. And he said,

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Speaker 2: that day, when I got off from work, having seen

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Speaker 2: seventy patients, I went and got me a Moleskin journal.

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Speaker 2: Great great Romona loves that sort of stuff, great journaling book.

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Speaker 2: And he said, I started every day with every person

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Speaker 2: I see, after I treat them, or before I treat them,

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Speaker 2: I asked them one thing about them. Where are you from,

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Speaker 2: what do you do for a living? Give any children?

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Speaker 2: And he said, I realized I wasn't treating these people

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Speaker 2: like human beings. And I think we all get so

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Speaker 2: caught up up in being busy, in handling paperwork and

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Speaker 2: checking boxes that we forget there's a human element. I

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Speaker 2: have appreciated that I'm able to send folks to Justin

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Speaker 2: and he most of them, a lot of them. He's

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Speaker 2: not able, maybe not able to ever make a penny

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Speaker 2: off of the way the system pays. But I get

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Speaker 2: emails that he took care of them, he helped them.

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Speaker 2: I got what made me think of about this. I

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Speaker 2: got an email from sal who says, just had my

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Speaker 2: mother's husband die. He took care of everything. Now that

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Speaker 2: he's gone, it falls to us to help. We're definitely

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Speaker 2: contacting your guy. Do they do social Security as well?

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Speaker 2: It's at the point where the Social Security Office has

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Speaker 2: her in tears. We can't figure out the death penal

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Speaker 2: benefits and the withdrawal. Can they help or can you

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Speaker 2: see if you work at the Social Security Office, it's

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Speaker 2: like working at the at the mortuary, it's like being

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Speaker 2: an officer on homicide. You've got to realize you're catching

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Speaker 2: people at their lowest. You got to do better. They're

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Speaker 2: human beings and they're in a bad position. But anyway,

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Speaker 2: do y'all do any help? Do y'all help with anything

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Speaker 2: on Social Security?

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Speaker 3: Just we I'll tell you we can. It's going to

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Speaker 3: be more limited. So I don't want to over promise

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Speaker 3: what we can do, but we can certainly. We'll certainly

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Speaker 3: listen to them, and we'll help to try to find

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Speaker 3: somebody that can help them for sure. So, yeah, they

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Speaker 3: have an issue like that, I mean, please reach out

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Speaker 3: to us and we'll do the best we can. If

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Speaker 3: it's a simple thing, we'll do a good job. Otherwise

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Speaker 3: we'll just work together and see what we can do.

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Speaker 2: All right, I'm going back to rapid fire. You can

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Speaker 2: reach them at Senior Health Services dot com. If you

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Speaker 2: can't remember that, you know where to reach me Michael

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Speaker 2: Berryshow dot com and I direct you directly connect you.

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Speaker 2: Judah says, I feel this is a big scam. I

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Speaker 2: was scared into enrolling because of the penalties for not

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Speaker 2: enrolling in Part D about fifteen years ago. My current

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Speaker 2: premium is one hundred and fifteen dollars and seventy cents

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Speaker 2: per month. To date, Medicare Part D has paid a

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Speaker 2: total of zero. I feel I'm just paying for Medicaid patients.

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Speaker 2: Is there an alternative? My husband ran into the problem

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Speaker 2: of any new medication quote was not in Medicare's formulary

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Speaker 2: and Medicare Part D paid nothing. Also, what I pay

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Speaker 2: at the pharmacy is a lot more than the Medicare

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Speaker 2: Part deeob says, as a widow of a doctor, I

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Speaker 2: just don't trust Medicare advantages plans as they tend to

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Speaker 2: have very limited diagnoses to justify payment, some of which

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Speaker 2: do not make sense. It's a lot packed in there.

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Speaker 2: Can you take that?

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Speaker 3: Justin's yeah, there's there was a lot there. And as

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Speaker 3: far as like what she said at the beginning about

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Speaker 3: being signing up for Medicare because she was scared of

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Speaker 3: being penalized, we get that all the time. And if

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Speaker 3: she's on a group insurance and not retired yet, then

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Speaker 3: she was I don't want to say scammed, but she

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Speaker 3: was misled to think that you have to sign up.

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Speaker 3: We get people all the time to do that. As

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Speaker 3: to the rest of it, it sounds like she just

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Speaker 3: needs somebody to look at those meds and figure out

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Speaker 3: which plan is going to fit and have them on formulary.

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Speaker 3: I will tell those listening Medicare generally does not cover

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Speaker 3: compounded medicine. So if it's compounded and there's like foremones

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Speaker 3: and things, it's not going to be covered. But if

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Speaker 3: it's other stuff, we just need to run it and

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Speaker 3: see which one's going to be, which one's going to

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Speaker 3: fit and has the more expanded formulas.

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Speaker 2: Joe Ann writes Zara, I'm eligible to sign up today

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Speaker 2: for Medicare, perfect timing for your show. I understand parts

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Speaker 2: A and B. I will be eligible for an advantage

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Speaker 2: or advantage plan provided by UHC through my former company.

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Speaker 2: I don't understand if prescriptions are part of the advantage

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Speaker 2: plans or do I need a Part D supplement for prescriptions.

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Speaker 3: That's a fantastic question. Generally, Joe n drug coverage is

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Speaker 3: included in those plans, and if you're working with a

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Speaker 3: working with something that they'll tell you that. Now, there

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Speaker 3: is some differences on stuff that comes through an employer.

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Speaker 3: Sometimes they will have a separate plan that's that is

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Speaker 3: does not happen in the individual area. So I would

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Speaker 3: call the planned administrator and ask them how you get

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Speaker 3: your drug coverage. Is it actually through that group advantage

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Speaker 3: plan or do they have a group prescription drug plan?

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Speaker 3: And just make sure they'll tell you what you need

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Speaker 3: to do and you should be golden.

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Speaker 2: UH double printed that one. Kenny writes, I turned sixty five.

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Speaker 2: This is Kenny Wittenberg and I know him, so I'm

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Speaker 2: not sure if my if my advice was correct, but

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Speaker 2: you can check my work. Kenny Wittenberg writes, I turned

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Speaker 2: sixty five subject Medicare. I turned sixty five on November twenty. First,

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Speaker 2: what happens if I don't sign up? And I said, well,

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Speaker 2: you'll be sixty five and you'll die soon enough. Don't

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Speaker 2: worry about it. Because he's a friend, I can say that.

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Speaker 2: But is that is that the right answer?

433
00:22:39,720 --> 00:22:42,000
Speaker 3: Is that the right Yeah? I guess in an existential way,

434
00:22:42,000 --> 00:22:44,719
Speaker 3: it certainly is. But no, if he doesn't sign up,

435
00:22:44,760 --> 00:22:47,840
Speaker 3: I mean I would just make sure if Kenny doesn't

436
00:22:47,880 --> 00:22:50,560
Speaker 3: have anything in place, like if he's got an ACA plan,

437
00:22:50,760 --> 00:22:53,040
Speaker 3: or if he doesn't have insurance and doesn't have any

438
00:22:53,040 --> 00:22:56,440
Speaker 3: insurance and does not sign up at sixty five, that's

439
00:22:56,440 --> 00:23:00,000
Speaker 3: where penalties could possibly come in. If he's got employed

440
00:23:00,320 --> 00:23:03,040
Speaker 3: coverage and there's more than twenty employees with the company

441
00:23:03,040 --> 00:23:05,639
Speaker 3: where he works, then whether he signs up for A

442
00:23:05,840 --> 00:23:08,719
Speaker 3: or B is completely up to him. And so if

443
00:23:08,760 --> 00:23:11,280
Speaker 3: he if he has that, he has creditible coverage and

444
00:23:11,320 --> 00:23:12,880
Speaker 3: he can go down the road decide when he wants

445
00:23:12,880 --> 00:23:14,479
Speaker 3: to retire and then will help him sign up when

446
00:23:14,520 --> 00:23:17,399
Speaker 3: it's time. If it's less than twenty employees, he probably

447
00:23:17,400 --> 00:23:19,560
Speaker 3: needs to look into going ahead and getting into medicare.

448
00:23:20,080 --> 00:23:22,600
Speaker 3: So that's that's kind of a convoluted answer, but that's

449
00:23:22,640 --> 00:23:23,040
Speaker 3: that's the one.

450
00:23:23,280 --> 00:23:26,200
Speaker 2: Just in the Senior Health Services dot com, you don't

451
00:23:26,240 --> 00:23:29,520
Speaker 2: they don't name girls Valerie anymore. Like there were a

452
00:23:29,520 --> 00:23:31,639
Speaker 2: bunch of Valeries and then one day the last Valerie

453
00:23:31,680 --> 00:23:35,200
Speaker 2: was named and they said that's it. No more valeries,

454
00:23:35,240 --> 00:23:39,480
Speaker 2: limit Valerie rights. I'm seventy six on straight Medicare with

455
00:23:39,720 --> 00:23:44,280
Speaker 2: Etna Continental Life. I take infusions for ra, have had

456
00:23:44,280 --> 00:23:47,760
Speaker 2: an aorta valve replaced, had breast cancer, and now have

457
00:23:47,880 --> 00:23:51,199
Speaker 2: an aortic aneurysm. I've been told in years past it

458
00:23:51,280 --> 00:23:54,720
Speaker 2: because of my issues, I cannot change my supplement insurance

459
00:23:55,119 --> 00:23:58,800
Speaker 2: without risking much higher costs. Is that still true? And

460
00:23:58,880 --> 00:24:01,520
Speaker 2: let me lump into that a number of pre existing

461
00:24:01,880 --> 00:24:06,560
Speaker 2: condition questions justin and whether someone can change midstream if

462
00:24:06,600 --> 00:24:08,840
Speaker 2: they have these pre existing questions. I know that's a

463
00:24:08,880 --> 00:24:11,359
Speaker 2: big one for folks, especially as they get older. So

464
00:24:11,400 --> 00:24:12,520
Speaker 2: can you tackle all of that?

465
00:24:13,359 --> 00:24:15,479
Speaker 3: Sure? I was going to say, Valerie is in the

466
00:24:15,520 --> 00:24:18,399
Speaker 3: plan she needs to stay in. If Valerie came and

467
00:24:18,400 --> 00:24:20,960
Speaker 3: saw me, Valerie would leave in that plan because there's

468
00:24:21,040 --> 00:24:24,080
Speaker 3: no way given what she disclosed there, And thank you,

469
00:24:24,119 --> 00:24:26,920
Speaker 3: ma'am for your transparency. There's no way that we would

470
00:24:26,920 --> 00:24:30,159
Speaker 3: be able to move her into another Medicare supplement with

471
00:24:30,240 --> 00:24:32,320
Speaker 3: those because she wouldn't pass the health questions and they

472
00:24:32,320 --> 00:24:35,159
Speaker 3: can't take away her current plan as long as he

473
00:24:35,200 --> 00:24:38,840
Speaker 3: continues paying the premium. So Valerie is in absolutely the

474
00:24:38,920 --> 00:24:42,280
Speaker 3: right spot. Hon your your premium's party client probably climbing

475
00:24:42,359 --> 00:24:44,760
Speaker 3: up there. But I would advise staying in that thing

476
00:24:44,840 --> 00:24:46,280
Speaker 3: for as long as you can. If we can help

477
00:24:46,280 --> 00:24:49,160
Speaker 3: you with your drug plan, let us know. But yeah,

478
00:24:49,200 --> 00:24:53,080
Speaker 3: that's very, very definitely an issue. So it's not you're

479
00:24:53,080 --> 00:24:56,600
Speaker 3: not risking higher costs. You would be risking being able

480
00:24:56,640 --> 00:24:58,639
Speaker 3: to get back into a plan similar to what you

481
00:24:58,680 --> 00:25:00,680
Speaker 3: have at all. You would not get in. So you

482
00:25:01,080 --> 00:25:03,199
Speaker 3: hang on to that thing and hold type for as

483
00:25:03,240 --> 00:25:03,800
Speaker 3: long as you can.

484
00:25:04,280 --> 00:25:06,359
Speaker 2: Justin White just went Walter White with if we can

485
00:25:06,400 --> 00:25:10,040
Speaker 2: help you with your drug plan, we will. Justin White

486
00:25:10,119 --> 00:25:12,440
Speaker 2: with Senior Health Services dot Com will be our guest.

487
00:25:12,520 --> 00:25:14,399
Speaker 2: I still have more questions than I can get to

488
00:25:14,480 --> 00:25:16,679
Speaker 2: about medicare. If you're not own it or your parents aren't,

489
00:25:17,160 --> 00:25:18,400
Speaker 2: you will be soon enough.

490
00:25:22,960 --> 00:25:24,280
Speaker 3: The Michael Barry.

491
00:25:29,240 --> 00:25:33,840
Speaker 2: Listen, I'm ready to fight. I came for violence. Anybody

492
00:25:33,840 --> 00:25:36,720
Speaker 2: that wants to argue that John Denver is gay or stupid,

493
00:25:36,800 --> 00:25:40,840
Speaker 2: or you can say whatever you want. If you have

494
00:25:40,960 --> 00:25:43,520
Speaker 2: never had a moment where you went and sat outside

495
00:25:43,600 --> 00:25:46,679
Speaker 2: in the grass and the temperature was cool enough that

496
00:25:46,720 --> 00:25:49,400
Speaker 2: you weren't mad at the sun, but were enjoying the sun.

497
00:25:49,440 --> 00:25:51,080
Speaker 2: You like a dog goes out in the sun during

498
00:25:51,080 --> 00:25:53,600
Speaker 2: the day, and you were enjoying the sun on your face.

499
00:25:54,720 --> 00:25:56,680
Speaker 2: And John Denver came on and it didn't put you

500
00:25:56,720 --> 00:26:01,719
Speaker 2: in a better mood. You're dead inside or or communist Russian.

501
00:26:02,440 --> 00:26:06,920
Speaker 2: Something's wrong with you. There's there's check your pulse. That's

502
00:26:07,040 --> 00:26:11,600
Speaker 2: that's wonderful stuff right there. You probably watched Jimmy Kimmel.

503
00:26:12,119 --> 00:26:15,359
Speaker 2: That's you know what, not liking John or criticizing me

504
00:26:15,400 --> 00:26:18,400
Speaker 2: over John Denver. You know what I'm gonna do. One day,

505
00:26:19,080 --> 00:26:22,639
Speaker 2: I'm gonna get Holmes Williams and like five other people

506
00:26:22,760 --> 00:26:25,359
Speaker 2: like him in a circle. And I remember that legend

507
00:26:25,359 --> 00:26:28,640
Speaker 2: of Billy Ode. I'm gonna do that. I'm gonna say Holmes,

508
00:26:28,680 --> 00:26:31,000
Speaker 2: I'm gonna I'm gonna put my right foot right here

509
00:26:31,520 --> 00:26:33,840
Speaker 2: on the right side of your nose right there, and

510
00:26:35,760 --> 00:26:37,359
Speaker 2: that's how I'm matter. That's how it goes down in

511
00:26:37,400 --> 00:26:41,040
Speaker 2: my head. Don't tell Holmes though, don't tell him. He

512
00:26:41,160 --> 00:26:44,600
Speaker 2: probably don't need to know that. Justin White, as our

513
00:26:44,640 --> 00:26:46,880
Speaker 2: guests Senior Health Services dot com, what is the best

514
00:26:46,920 --> 00:26:49,399
Speaker 2: method of signing up for medicare? These are gonna be

515
00:26:49,480 --> 00:26:51,760
Speaker 2: rapid fire because we spent so much time on John Denver.

516
00:26:51,920 --> 00:26:54,199
Speaker 2: Find a recommendation from a friend or a broker, or

517
00:26:54,359 --> 00:26:57,440
Speaker 2: the boomer Benefits or chapter type larger entities. I'm guessing

518
00:26:57,520 --> 00:27:00,000
Speaker 2: the questions and the answers to go to you.

519
00:27:00,720 --> 00:27:03,520
Speaker 3: If you're yeah, if you're getting well, you know, obviously

520
00:27:03,520 --> 00:27:05,920
Speaker 3: we would love that. But if you're turning sixty five,

521
00:27:06,640 --> 00:27:08,399
Speaker 3: the best way to sign up for medicare, if you

522
00:27:08,440 --> 00:27:10,560
Speaker 3: can figure it out, is to go to SSA dot

523
00:27:10,600 --> 00:27:13,800
Speaker 3: gov and sign up online. That's the easiest way, and

524
00:27:13,840 --> 00:27:15,600
Speaker 3: then you try to keep you from having to go

525
00:27:15,640 --> 00:27:18,159
Speaker 3: down to the Social Security Office and whatnot. So we

526
00:27:18,240 --> 00:27:19,800
Speaker 3: will walk you through it, just like any of the

527
00:27:19,840 --> 00:27:22,320
Speaker 3: services that they mentioned. We do it for free, obviously,

528
00:27:22,400 --> 00:27:25,439
Speaker 3: but that's the best way online and hopefully don't have

529
00:27:25,480 --> 00:27:28,400
Speaker 3: to go down there and see anybody. That's my answer.

530
00:27:28,400 --> 00:27:33,280
Speaker 2: Craig writes zar what regarding Medicare, I just turned sixty five,

531
00:27:33,359 --> 00:27:35,919
Speaker 2: and what I did not realize is the cost of

532
00:27:35,960 --> 00:27:38,439
Speaker 2: Medicare is tied to your income. Then add in the

533
00:27:38,480 --> 00:27:40,560
Speaker 2: Part B and suddenly the cost is approaching what I

534
00:27:40,560 --> 00:27:43,480
Speaker 2: pay for my small business health insurance still working, so

535
00:27:43,480 --> 00:27:45,240
Speaker 2: I kept the private insurance. I think a lot of

536
00:27:45,240 --> 00:27:47,680
Speaker 2: people think Medicare is just free when you reach sixty five.

537
00:27:47,680 --> 00:27:50,040
Speaker 2: That's not the case, particularly if you want good insurance

538
00:27:50,080 --> 00:27:50,879
Speaker 2: with Part B.

539
00:27:53,400 --> 00:27:56,600
Speaker 3: Yeah, I would say to that gentleman, that happens a

540
00:27:56,600 --> 00:27:58,919
Speaker 3: lot where people don't let people know about that irma

541
00:27:59,000 --> 00:28:03,640
Speaker 3: thing where means test your stuff there. Yeah, where he's

542
00:28:03,680 --> 00:28:05,240
Speaker 3: If it makes him feel any better, I would have

543
00:28:05,320 --> 00:28:07,919
Speaker 3: him go look at his the group insurance plan and

544
00:28:07,960 --> 00:28:11,000
Speaker 3: look at what that deductible was. Sometimes when the cost

545
00:28:11,080 --> 00:28:14,040
Speaker 3: of the same between Medicare and that group insurance. Where

546
00:28:14,040 --> 00:28:17,160
Speaker 3: you will see savings is most Medicare plans have little

547
00:28:17,200 --> 00:28:20,760
Speaker 3: and sometimes no deductible, and so they may he may

548
00:28:20,800 --> 00:28:24,560
Speaker 3: save some money there, but yeah, that's that's stinks that

549
00:28:24,560 --> 00:28:26,359
Speaker 3: that happens but it happens a lot. We hear that

550
00:28:26,400 --> 00:28:26,760
Speaker 3: a lot.

551
00:28:27,080 --> 00:28:29,840
Speaker 2: W Keith that's an initial and then a first name.

552
00:28:29,920 --> 00:28:33,400
Speaker 2: Just so you know VA and Medicare. I'm sixty percent disabled,

553
00:28:33,440 --> 00:28:37,520
Speaker 2: receiving SSDI and long term disability. How will Medicare affect me?

554
00:28:37,600 --> 00:28:40,520
Speaker 2: I'm sorry, I thought i'd put this in my veteran stack.

555
00:28:40,600 --> 00:28:43,080
Speaker 2: Is there anything different? There's a lot of veterans questions.

556
00:28:43,600 --> 00:28:46,080
Speaker 3: Yeah, no, that's that's awesome. Well that's good. They deserve

557
00:28:46,120 --> 00:28:49,239
Speaker 3: to get help. So you know, the Medicare is going

558
00:28:49,280 --> 00:28:51,320
Speaker 3: to give him more choices on doctors because he'll have

559
00:28:51,400 --> 00:28:55,640
Speaker 3: access outside the VA. And again, there are plans they're

560
00:28:55,680 --> 00:28:59,200
Speaker 3: called Medicare advantage only that just acknowledge the fact that

561
00:28:59,240 --> 00:29:01,760
Speaker 3: people get their he from the VA sometimes, but they

562
00:29:01,800 --> 00:29:05,520
Speaker 3: may want access to doctors outside the VA, and so

563
00:29:05,560 --> 00:29:08,080
Speaker 3: there are plans they're specifically put together to them. So

564
00:29:08,200 --> 00:29:10,720
Speaker 3: I would say, call in, let's get you together with

565
00:29:10,760 --> 00:29:12,520
Speaker 3: somebody who can show you some options and see if

566
00:29:12,520 --> 00:29:13,440
Speaker 3: something would work for you.

567
00:29:14,680 --> 00:29:17,960
Speaker 2: Czar out of ignorance, I switched from Medicare with Texas

568
00:29:18,000 --> 00:29:21,680
Speaker 2: BCBS supplements. Some benefits I use are no longer covered.

569
00:29:21,720 --> 00:29:25,680
Speaker 2: How do I get those benefits back? Short of a

570
00:29:25,880 --> 00:29:28,000
Speaker 2: going all play a baby, come back.

571
00:29:29,640 --> 00:29:33,320
Speaker 3: Any catasendent. No, they didn't say which plan they were on.

572
00:29:34,200 --> 00:29:36,840
Speaker 3: There are some plans that are literally not offered anymore.

573
00:29:36,880 --> 00:29:39,120
Speaker 3: So if that was one of them, like Planet J

574
00:29:40,000 --> 00:29:42,440
Speaker 3: from years and years ago, once you're off that you

575
00:29:42,480 --> 00:29:45,960
Speaker 3: can't get it back. But so I guess I don't

576
00:29:45,960 --> 00:29:48,400
Speaker 3: know quite enough information to be able to fully answer

577
00:29:48,400 --> 00:29:50,640
Speaker 3: that question. Send us a note or give us a call.

578
00:29:50,720 --> 00:29:52,200
Speaker 3: We'll see if we can't answer you a little more

579
00:29:52,200 --> 00:29:54,360
Speaker 3: detail and get the intel we need to do it.

580
00:29:56,680 --> 00:30:02,160
Speaker 2: Let's see a lot of questions about out after the

581
00:30:03,080 --> 00:30:08,520
Speaker 2: enrollment plan. I'm trying to amalgamize these about pre existing conditions.

582
00:30:08,560 --> 00:30:10,040
Speaker 2: And I know you spoke to this a little, but

583
00:30:10,120 --> 00:30:12,400
Speaker 2: this must be a huge deal for folks. And as

584
00:30:12,400 --> 00:30:15,040
Speaker 2: I said, when you and I've talked about this, I'm

585
00:30:15,040 --> 00:30:18,160
Speaker 2: going through this first time with my dad, well, with

586
00:30:18,160 --> 00:30:19,960
Speaker 2: my parents, when my mom is still alive, So this

587
00:30:20,040 --> 00:30:21,800
Speaker 2: is all very new to me. But I'm noticing the

588
00:30:21,880 --> 00:30:24,680
Speaker 2: questions that keep popping up again and again, wanting to

589
00:30:24,800 --> 00:30:29,840
Speaker 2: change midstream, change horses midstream, but with pre existing conditions,

590
00:30:29,880 --> 00:30:30,520
Speaker 2: can you speak to that?

591
00:30:30,560 --> 00:30:34,240
Speaker 3: Generally? Absolutely? A lot of people ask that so yes,

592
00:30:34,400 --> 00:30:37,560
Speaker 3: if you are changing from a plan. Let's say you're

593
00:30:37,600 --> 00:30:39,600
Speaker 3: in an advantage plan and you want to change to

594
00:30:39,640 --> 00:30:42,920
Speaker 3: a different one because you're in an advantage plan going

595
00:30:42,960 --> 00:30:45,680
Speaker 3: to another one that is creditable coverage, and you will

596
00:30:45,720 --> 00:30:50,000
Speaker 3: have zero pre existing condition waiting periods. It just the

597
00:30:50,000 --> 00:30:52,600
Speaker 3: only thing it changes is he's paying the bill. When

598
00:30:52,600 --> 00:30:55,200
Speaker 3: you're sixty five and you're coming off group insurance and

599
00:30:55,240 --> 00:30:59,000
Speaker 3: going into Medicare for the first time, forget pre existing conditions.

600
00:30:59,040 --> 00:31:02,800
Speaker 3: Don't worry about it. And I've literally written people with

601
00:31:02,920 --> 00:31:05,760
Speaker 3: a power of attorney where the person was in ICU

602
00:31:05,880 --> 00:31:08,120
Speaker 3: and they needed to get them into Medicare. We got

603
00:31:08,120 --> 00:31:10,560
Speaker 3: it done and the only thing it changed was who

604
00:31:10,600 --> 00:31:13,400
Speaker 3: was paying the bill. Great questions. I understand why people

605
00:31:13,400 --> 00:31:15,520
Speaker 3: are worried about it, but in most cases pre X

606
00:31:15,920 --> 00:31:18,360
Speaker 3: In most cases, pre X is not an issue. So

607
00:31:18,400 --> 00:31:21,200
Speaker 3: if you think that might you want some further clarification,

608
00:31:21,320 --> 00:31:23,760
Speaker 3: just call us and we'll listen to whatever situation you

609
00:31:23,800 --> 00:31:24,400
Speaker 3: hapen to be in.

610
00:31:24,840 --> 00:31:27,320
Speaker 2: I'm going to tell you this before I ask the question,

611
00:31:27,880 --> 00:31:29,480
Speaker 2: because I don't want you to be suckered in. And

612
00:31:29,600 --> 00:31:31,480
Speaker 2: this comes from a moone, not me. He said, every

613
00:31:31,600 --> 00:31:33,920
Speaker 2: question can't be a great question, So you need to

614
00:31:33,960 --> 00:31:35,800
Speaker 2: choose one for it not to be a great question.

615
00:31:35,920 --> 00:31:40,320
Speaker 2: Just about credibility wain wrtes. Regarding the Medicare, my employer

616
00:31:40,480 --> 00:31:43,320
Speaker 2: informed me this is coming up a lot. This some

617
00:31:43,560 --> 00:31:46,280
Speaker 2: version of this. My employer informed me that I will

618
00:31:46,320 --> 00:31:48,760
Speaker 2: have to go on Medicare when I turned fifty five

619
00:31:49,160 --> 00:31:52,640
Speaker 2: and that they will no longer provide insurance as my employer.

620
00:31:53,200 --> 00:31:54,440
Speaker 2: Is this common.

621
00:31:55,680 --> 00:31:58,920
Speaker 3: For groups that are smaller than for companies that are

622
00:31:58,960 --> 00:32:03,120
Speaker 3: smaller than twenty employees, Yes, that's very possible. So I'm

623
00:32:03,160 --> 00:32:06,400
Speaker 3: assuming that's probably a small company. If it's more than

624
00:32:06,440 --> 00:32:08,960
Speaker 3: twenty employees, they can't they you know, they can't do that.

625
00:32:09,480 --> 00:32:12,240
Speaker 3: But if it's less than twenty employees the small groups,

626
00:32:12,640 --> 00:32:14,640
Speaker 3: then they have the option whether or not to offer

627
00:32:14,680 --> 00:32:17,120
Speaker 3: the group insurance to somebody once they become eligible for

628
00:32:17,200 --> 00:32:19,520
Speaker 3: Medicare or not. So that would be that. Now, Now

629
00:32:19,600 --> 00:32:21,680
Speaker 3: Ramon's not me thinking I'm gonna tell nobody they have

630
00:32:21,720 --> 00:32:22,360
Speaker 3: a great question.

631
00:32:22,440 --> 00:32:25,840
Speaker 2: So yeah, Ramone, he's you know, people think he's nice,

632
00:32:25,840 --> 00:32:28,960
Speaker 2: but he says a lot of really kind of hurtful things.

633
00:32:28,960 --> 00:32:31,880
Speaker 2: To be honest with you, I run interference and soften

634
00:32:31,920 --> 00:32:34,240
Speaker 2: off the edges Sammy writes, I've been on insurance for

635
00:32:34,320 --> 00:32:38,800
Speaker 2: disability through Medicare advantage Shumana. I recently had a transplant.

636
00:32:38,840 --> 00:32:40,760
Speaker 2: I'm seeing why aren't you didn't tell me what you

637
00:32:40,840 --> 00:32:44,280
Speaker 2: got transplanting? Now I'm obsessed. I am now sixty six.

638
00:32:44,320 --> 00:32:46,360
Speaker 2: Do I need to change insurance out of disability?

639
00:32:49,000 --> 00:32:52,200
Speaker 3: Trans insurance out of disability? And she's on has got

640
00:32:52,240 --> 00:32:55,080
Speaker 3: disability insurance through humans. I'm assuming that's a Medicare advantage.

641
00:32:55,120 --> 00:32:58,000
Speaker 3: Is that what she said? Yes, she didn't have to.

642
00:32:58,320 --> 00:33:00,440
Speaker 3: I mean if she if she likes that, If she

643
00:33:00,600 --> 00:33:03,640
Speaker 3: likes that plann she can change. If the plan's no

644
00:33:03,720 --> 00:33:05,720
Speaker 3: longer fitting her needs, she just needs to get a review.

645
00:33:05,760 --> 00:33:08,320
Speaker 3: If there's something that'll do a better job based on

646
00:33:08,360 --> 00:33:10,840
Speaker 3: whatever's going on with her, she can certainly change. But

647
00:33:10,920 --> 00:33:13,520
Speaker 3: she does not have to. She does not have to

648
00:33:13,520 --> 00:33:15,480
Speaker 3: move if she doesn't want to. She's on Medicare and

649
00:33:15,480 --> 00:33:17,080
Speaker 3: on that plan, likes it, she can stay there if

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00:33:17,080 --> 00:33:17,520
Speaker 3: she wants to.

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00:33:19,480 --> 00:33:22,040
Speaker 2: I got to this too late, folks, so my apologies

652
00:33:22,080 --> 00:33:24,880
Speaker 2: before we say by to Justin. I did have somebody

653
00:33:24,920 --> 00:33:27,720
Speaker 2: track down what happened to Uncle Jerry's pinky toe, and

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00:33:27,760 --> 00:33:29,160
Speaker 2: I do have an update on that. It's going to

655
00:33:29,240 --> 00:33:31,680
Speaker 2: have to wait till tomorrow, or I'll put it up

656
00:33:31,720 --> 00:33:33,400
Speaker 2: on our Facebook page, or we'll put it on our

657
00:33:33,400 --> 00:33:36,440
Speaker 2: blast today, all three of those which you can sign

658
00:33:36,520 --> 00:33:38,719
Speaker 2: up for. It's free. At Michael Berryshow dot com you

659
00:33:38,800 --> 00:33:41,320
Speaker 2: can find Justin who is a resource for me and

660
00:33:41,400 --> 00:33:43,280
Speaker 2: can be for you. You don't pay for it, The

661
00:33:43,280 --> 00:33:45,520
Speaker 2: carriers pay for it if it comes to that. At

662
00:33:45,560 --> 00:33:48,280
Speaker 2: Senior Health Services dot com. If you can't remember that,

663
00:33:48,280 --> 00:33:50,880
Speaker 2: that's okay. You can always email me about anything. And

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00:33:50,880 --> 00:33:53,160
Speaker 2: in fact, if I don't have a show sponsor, my

665
00:33:53,240 --> 00:33:55,760
Speaker 2: wife laughs because I'll say, hey, do we know anybody

666
00:33:55,760 --> 00:33:59,400
Speaker 2: who does this? And she'll say, yeah, why are you asking?

667
00:33:59,400 --> 00:34:02,640
Speaker 2: I got to listen, She said, what are you the

668
00:34:02,720 --> 00:34:05,760
Speaker 2: all knowing? Well, yeah, as a matter of fact, yes,

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00:34:05,880 --> 00:34:06,840
Speaker 2: what it means, yeah,