1 00:00:03,880 --> 00:00:11,320 Speaker 1: It's that time. Time time, time, Luck and load. The 2 00:00:11,480 --> 00:00:39,520 Speaker 1: Michael Vari Show is on the air. Several years ago, 3 00:00:41,360 --> 00:00:46,760 Speaker 1: I was looking for an expert on Medicare and some 4 00:00:46,880 --> 00:00:56,280 Speaker 1: issues related to aging, because I came to learn once 5 00:00:56,360 --> 00:00:59,880 Speaker 1: I dug in and took over my parents' finances, I mean, 6 00:01:00,680 --> 00:01:05,440 Speaker 1: paying their bills and figuring out medical expenses and all 7 00:01:05,440 --> 00:01:07,959 Speaker 1: this sort of stuff that when you get to a 8 00:01:08,000 --> 00:01:17,760 Speaker 1: certain age, for most people, your medical care not the provider, 9 00:01:17,959 --> 00:01:24,479 Speaker 1: but the system behind the financing is Medicare, and that's 10 00:01:24,560 --> 00:01:28,240 Speaker 1: going to drive everything you do. And I noticed something 11 00:01:28,319 --> 00:01:31,880 Speaker 1: kept happening. Every time I would say to the doctors 12 00:01:31,880 --> 00:01:34,639 Speaker 1: who I know that these were his Golden Triangle doctors. 13 00:01:34,680 --> 00:01:37,360 Speaker 1: I have him with all Houston doctors. Now, these are 14 00:01:37,400 --> 00:01:39,240 Speaker 1: people who wanted the best for him as I do. 15 00:01:39,959 --> 00:01:44,640 Speaker 1: And I would say, hey, you know this, this insulin 16 00:01:44,720 --> 00:01:49,280 Speaker 1: pump is not working. I need him, I need you 17 00:01:49,360 --> 00:01:52,280 Speaker 1: to switch him over to this. And they would say, well, 18 00:01:52,280 --> 00:01:54,840 Speaker 1: we can't do that because Medicare won't allow it. Can't 19 00:01:54,840 --> 00:01:58,080 Speaker 1: do this because Medicare won't allow it. And I would say, well, 20 00:01:58,640 --> 00:02:01,160 Speaker 1: I don't care, I'll pay for it. I want the best. 21 00:02:02,080 --> 00:02:05,200 Speaker 1: And Medicare was making the decisions for my dad, and 22 00:02:05,280 --> 00:02:09,119 Speaker 1: I wondered how many people really understand this, because you're 23 00:02:09,200 --> 00:02:13,760 Speaker 1: chugging along in life, and all of a sudden you 24 00:02:13,840 --> 00:02:19,920 Speaker 1: hit about sixty and you start winding things down, And 25 00:02:19,960 --> 00:02:21,760 Speaker 1: whether you realize it or not, it's like when a 26 00:02:21,760 --> 00:02:25,040 Speaker 1: woman knows it's time to have a child, or when 27 00:02:25,080 --> 00:02:27,320 Speaker 1: a man knows it's time to settle down and get married. 28 00:02:27,840 --> 00:02:30,960 Speaker 1: It's like the body starts accepting what's going on around 29 00:02:31,040 --> 00:02:37,120 Speaker 1: them so that it's almost unconscious this process. And at 30 00:02:37,200 --> 00:02:39,359 Speaker 1: least in the past, people are working much later. Now 31 00:02:40,440 --> 00:02:42,520 Speaker 1: you get into those early sixties, you get towards the 32 00:02:42,560 --> 00:02:45,480 Speaker 1: mid sixties, and all of a sudden, sixty two used 33 00:02:45,480 --> 00:02:47,800 Speaker 1: to be social security. Him in sixty two, you were 34 00:02:47,840 --> 00:02:50,680 Speaker 1: an old person sitting at home waiting to die. And 35 00:02:50,720 --> 00:02:55,400 Speaker 1: then all of a sudden, this process starts and folks 36 00:02:55,400 --> 00:02:58,320 Speaker 1: start winding down At the office, succession plans have been 37 00:02:58,320 --> 00:03:00,000 Speaker 1: put into a fact, and I think in many cases 38 00:03:00,200 --> 00:03:02,640 Speaker 1: it almost takes on a life of its own. And 39 00:03:02,680 --> 00:03:05,640 Speaker 1: people wake up one day and they don't have a 40 00:03:05,800 --> 00:03:08,680 Speaker 1: place to go to work, and all of a sudden, 41 00:03:08,800 --> 00:03:12,480 Speaker 1: they get this barrage of robocalls and junk mail and 42 00:03:12,520 --> 00:03:15,480 Speaker 1: all these things about medicare and medicare and medicare, and 43 00:03:15,520 --> 00:03:18,160 Speaker 1: they're thinking, what in the hell is medicare and why 44 00:03:18,320 --> 00:03:21,560 Speaker 1: is what does this have to do with me? So 45 00:03:22,200 --> 00:03:24,880 Speaker 1: we teamed up with a fellow named Justin White Senior 46 00:03:24,919 --> 00:03:31,040 Speaker 1: Health Services, and it took me a year of him 47 00:03:31,160 --> 00:03:34,840 Speaker 1: being a partner of the show, and I would simply say, 48 00:03:35,280 --> 00:03:37,640 Speaker 1: if you need if you were on Medicare about to 49 00:03:37,680 --> 00:03:41,400 Speaker 1: be on Medicare, you need to call him or go 50 00:03:41,440 --> 00:03:45,000 Speaker 1: to his website Senior Health Services dot com and lo 51 00:03:45,160 --> 00:03:48,160 Speaker 1: and behold. As I did that, I started getting a 52 00:03:48,200 --> 00:03:52,440 Speaker 1: lot of emails back from people saying, Hey, your guy 53 00:03:52,600 --> 00:03:55,800 Speaker 1: was able to help me a lot. Thank you. So 54 00:03:55,880 --> 00:03:57,680 Speaker 1: I would keep sending them emails. But it might be 55 00:03:57,760 --> 00:03:59,280 Speaker 1: late at night, or it might be in the middle 56 00:03:59,320 --> 00:04:01,640 Speaker 1: of a break, and I never could focus on exactly 57 00:04:01,680 --> 00:04:04,280 Speaker 1: what he did and why it was important. But I 58 00:04:04,320 --> 00:04:08,080 Speaker 1: could tell this was affecting our listeners. It was it 59 00:04:08,120 --> 00:04:15,240 Speaker 1: was they were delighted. There's a combination of relieved and delighted, 60 00:04:15,760 --> 00:04:20,920 Speaker 1: because it's sort of like when your kid. If your 61 00:04:20,960 --> 00:04:24,520 Speaker 1: kids thinking about college, somewhere around eighth or ninth grade, 62 00:04:24,560 --> 00:04:27,240 Speaker 1: the school starts talking about it. They start talking about it. 63 00:04:27,279 --> 00:04:29,599 Speaker 1: Everybody starts talking about it, and you start into this 64 00:04:29,640 --> 00:04:35,600 Speaker 1: whole process of college admissions and the portal and all 65 00:04:35,640 --> 00:04:38,320 Speaker 1: this stuff. And you didn't know this whole industry existed. 66 00:04:39,440 --> 00:04:43,719 Speaker 1: Or your wife gets pregnant and all of a sudden, 67 00:04:43,800 --> 00:04:48,880 Speaker 1: where y'all gonna have the baby? I don't know, and 68 00:04:48,920 --> 00:04:51,520 Speaker 1: all wait, you needed this this women They have a 69 00:04:51,560 --> 00:04:53,280 Speaker 1: women's wing over here, and they have a thing, and 70 00:04:53,320 --> 00:04:55,440 Speaker 1: this one has a has an apartment. You can stay 71 00:04:55,480 --> 00:04:57,320 Speaker 1: there overnight, and this one over here they'll give you 72 00:04:57,320 --> 00:05:00,520 Speaker 1: foot massages, and this one over here, And you didn't 73 00:05:00,520 --> 00:05:03,240 Speaker 1: know there's a whole industry behind us, and now you're 74 00:05:03,240 --> 00:05:08,160 Speaker 1: swept up in it and you're just a debris being 75 00:05:08,560 --> 00:05:11,280 Speaker 1: pushed around. You don't know what the hell is going on. 76 00:05:12,400 --> 00:05:15,400 Speaker 1: And it turns out that medicare is like that for people, 77 00:05:16,040 --> 00:05:19,640 Speaker 1: and this isn't if you're thinking if you're under if 78 00:05:19,640 --> 00:05:21,560 Speaker 1: you're under sixty five, and you're thinking, oh, this is 79 00:05:21,560 --> 00:05:26,040 Speaker 1: for poor people. No, no, this is for almost everyone. 80 00:05:26,320 --> 00:05:29,200 Speaker 1: And all of a sudden, something so near and dear 81 00:05:29,240 --> 00:05:35,080 Speaker 1: to you as healthcare is related to Medicare, which you 82 00:05:35,120 --> 00:05:37,760 Speaker 1: didn't know much about. You've just heard medicare and Medicaid 83 00:05:37,839 --> 00:05:41,400 Speaker 1: talked about in a sentence like flora and fauna, and 84 00:05:41,440 --> 00:05:44,800 Speaker 1: you're not sure what fauna is, but you've used it, 85 00:05:45,520 --> 00:05:47,800 Speaker 1: and now all of a sudden, not only is it 86 00:05:47,839 --> 00:05:49,600 Speaker 1: going to be a part of your life, but it's 87 00:05:49,600 --> 00:05:52,520 Speaker 1: going to be a part of your life for what's 88 00:05:52,560 --> 00:05:54,280 Speaker 1: going to be one of the most important parts of 89 00:05:54,320 --> 00:05:58,400 Speaker 1: your life, which is your healthcare at the very moment 90 00:05:58,480 --> 00:06:02,320 Speaker 1: that you all of a sudden start needing healthcare. If 91 00:06:02,360 --> 00:06:09,159 Speaker 1: you look at the expenditure of funds on healthcare in 92 00:06:09,200 --> 00:06:13,599 Speaker 1: this country, take cosmetic out of it, of actual health 93 00:06:13,640 --> 00:06:18,160 Speaker 1: care for chronic conditions in this country, almost all of it, 94 00:06:18,720 --> 00:06:23,279 Speaker 1: a staggeringly high amount of it is spent on people 95 00:06:23,320 --> 00:06:26,240 Speaker 1: who are sixty five plus. So now you're getting old, 96 00:06:26,320 --> 00:06:29,040 Speaker 1: you need healthcare all the time Medicare has come into 97 00:06:29,080 --> 00:06:30,880 Speaker 1: your life, you have no idea what the hell's going on. 98 00:06:32,279 --> 00:06:35,320 Speaker 1: So I have been trying to get Justin White, our 99 00:06:35,320 --> 00:06:38,360 Speaker 1: show sponsor, on the show. We just haven't been able 100 00:06:38,360 --> 00:06:41,200 Speaker 1: to coordinate the time because he slammed and then with 101 00:06:41,279 --> 00:06:45,240 Speaker 1: the big beautiful bill that made some changes, and today 102 00:06:45,360 --> 00:06:47,240 Speaker 1: was the first day we could do this. But I 103 00:06:47,279 --> 00:06:49,960 Speaker 1: needed to get this done because I'm getting the questions 104 00:06:50,000 --> 00:06:51,440 Speaker 1: and all I can do is send them to him, 105 00:06:51,440 --> 00:06:54,120 Speaker 1: which I'll continue to do. But I thought that that 106 00:06:54,279 --> 00:06:54,680 Speaker 1: sort of. 107 00:06:54,760 --> 00:06:55,159 Speaker 2: Like with. 108 00:06:57,279 --> 00:07:02,160 Speaker 1: Aw Davis on menopause and Mohit Kara on testosterone, it 109 00:07:02,240 --> 00:07:04,760 Speaker 1: was time. So Justin White, welcome to the program. 110 00:07:05,400 --> 00:07:08,279 Speaker 2: Hey man, thanks his the way tour of the forest. 111 00:07:08,320 --> 00:07:10,120 Speaker 2: I'm not even sure I need to say anything. 112 00:07:11,320 --> 00:07:13,480 Speaker 1: Yeah, you know, I can tee it up, but I 113 00:07:13,520 --> 00:07:17,760 Speaker 1: don't have the swing. So to start with, I understand 114 00:07:17,760 --> 00:07:21,880 Speaker 1: that folks are moving around. You're coming, you're going, you're arriving, 115 00:07:22,000 --> 00:07:26,160 Speaker 1: you're delivering, you're picking up your everything else. You can 116 00:07:26,200 --> 00:07:29,960 Speaker 1: find him at Senior Health Services dot com. But as 117 00:07:30,160 --> 00:07:34,080 Speaker 1: is always the case, if you're ever unsure as to 118 00:07:34,160 --> 00:07:37,080 Speaker 1: a show sponsor of ours, not only is it not 119 00:07:37,240 --> 00:07:41,080 Speaker 1: a bother, I enjoy it if you email me and 120 00:07:41,200 --> 00:07:44,360 Speaker 1: you tell me, hey, I can't remember the guy's name 121 00:07:44,400 --> 00:07:47,680 Speaker 1: I remember you were talking about. I will respond to 122 00:07:47,720 --> 00:07:50,920 Speaker 1: your email and copy that person, not just Justin White, 123 00:07:50,960 --> 00:07:54,080 Speaker 1: but any of our show sponsors, and I will happily 124 00:07:54,360 --> 00:08:00,200 Speaker 1: connect you. And I love it when that situation, that 125 00:08:00,280 --> 00:08:03,720 Speaker 1: relationship works, and I love it even more when you 126 00:08:03,760 --> 00:08:07,960 Speaker 1: come back and tell me how that experience went. You know, 127 00:08:08,040 --> 00:08:10,440 Speaker 1: I use the person you recommended, or you connect a 128 00:08:10,440 --> 00:08:12,920 Speaker 1: lot of people to use that same email. So we're 129 00:08:12,960 --> 00:08:14,920 Speaker 1: going to answer all your questions. If you have a 130 00:08:15,000 --> 00:08:17,360 Speaker 1: question related to medicare because you're on it or about 131 00:08:17,360 --> 00:08:19,360 Speaker 1: to be emailed me through the website Michael Berry Show 132 00:08:19,360 --> 00:08:21,200 Speaker 1: dot com, and I'll ask him while we're talking. Now 133 00:08:22,520 --> 00:08:23,560 Speaker 1: we come join us. 134 00:08:23,840 --> 00:08:26,720 Speaker 2: It'll be like old times. Michael Berry. 135 00:08:34,880 --> 00:08:40,520 Speaker 1: I don't understand he pursue him his face, his hands, 136 00:08:40,600 --> 00:08:43,000 Speaker 1: his face, his hands, not his face on people. Here 137 00:08:43,040 --> 00:08:50,880 Speaker 1: we go. I'm a good old boy. You know my 138 00:08:50,880 --> 00:08:52,640 Speaker 1: mama loves me. I couldn't think of it. I believe 139 00:08:52,679 --> 00:09:13,440 Speaker 1: it's the musical interlude. Is this are you? 140 00:09:13,720 --> 00:09:14,200 Speaker 2: Is this you? 141 00:09:14,200 --> 00:09:18,040 Speaker 1: Your? You're nod to folks old enough to be on medicare? 142 00:09:18,480 --> 00:09:20,440 Speaker 1: Is that they would have been in the poor demo 143 00:09:21,000 --> 00:09:24,880 Speaker 1: for Dukes? Hasn't I liked that? Very clever romm Oh 144 00:09:24,920 --> 00:09:27,600 Speaker 1: here we turn it up. 145 00:09:27,640 --> 00:09:28,000 Speaker 2: Turn up. 146 00:09:29,760 --> 00:09:34,360 Speaker 1: Let's don't understand that. Keep showing the girl. That's why 147 00:09:34,400 --> 00:09:36,560 Speaker 1: I need to monitor because he misses that. He misses 148 00:09:36,720 --> 00:09:43,720 Speaker 1: Martin Justin White. Justin White is our is our guest. 149 00:09:43,800 --> 00:09:47,520 Speaker 1: He's also a show sponsor. Is called Senior Health Services 150 00:09:47,600 --> 00:09:49,240 Speaker 1: I send him a lot of emails. I send him 151 00:09:49,240 --> 00:09:52,160 Speaker 1: a lot of questions myself related to my dad, but 152 00:09:52,240 --> 00:09:54,440 Speaker 1: I send him a lot of listeners who have questions 153 00:09:54,440 --> 00:09:59,079 Speaker 1: about medicare. Justin there was a jeopardy question last night. 154 00:09:59,160 --> 00:10:02,360 Speaker 1: I have aim I have them logged for years, so 155 00:10:02,400 --> 00:10:04,679 Speaker 1: it might be two years old. But do you know 156 00:10:04,760 --> 00:10:09,640 Speaker 1: what color is the most common last name of with 157 00:10:09,760 --> 00:10:11,400 Speaker 1: a color in the United States. 158 00:10:12,880 --> 00:10:16,880 Speaker 2: Well, if you're implying anything, would that maybe be white? 159 00:10:17,000 --> 00:10:17,400 Speaker 1: It is not. 160 00:10:19,160 --> 00:10:20,480 Speaker 2: I've been Oh, I guess I don't. 161 00:10:20,720 --> 00:10:22,560 Speaker 1: It's brown, which surprised me. 162 00:10:22,720 --> 00:10:25,880 Speaker 2: Holy moly. Yeah, I'm actually the first word that came in. 163 00:10:25,960 --> 00:10:28,040 Speaker 2: But I thought you were being cute with my last name. 164 00:10:28,400 --> 00:10:32,000 Speaker 1: No, no, I was a little surprised by that. All Right, 165 00:10:32,160 --> 00:10:35,360 Speaker 1: so let's start with this. If someone is let's say, 166 00:10:35,400 --> 00:10:39,520 Speaker 1: early sixties, they're starting to hear about medicare or their 167 00:10:39,559 --> 00:10:42,800 Speaker 1: fifties early sixties, and their parents are on medicare, set 168 00:10:42,840 --> 00:10:45,400 Speaker 1: the stage of exactly what that is For somebody that's 169 00:10:45,480 --> 00:10:48,199 Speaker 1: just moved here and doesn't know what's going on and 170 00:10:48,559 --> 00:10:50,839 Speaker 1: wants to understand the framework we're going to be talking about. 171 00:10:51,600 --> 00:10:54,200 Speaker 2: Well, you know that it's that second scenario that's the most. 172 00:10:54,240 --> 00:10:56,960 Speaker 2: For somebody that's in their late fifties and early sixties 173 00:10:57,760 --> 00:10:59,960 Speaker 2: and they're getting ready, there's really not a whole lot 174 00:11:00,160 --> 00:11:04,079 Speaker 2: they can particularly do for themselves because Medicare doesn't want 175 00:11:04,080 --> 00:11:06,640 Speaker 2: anybody to sign up until about three months before the 176 00:11:06,679 --> 00:11:09,000 Speaker 2: month they turned sixty five. That doesn't mean they if 177 00:11:09,000 --> 00:11:10,920 Speaker 2: they call and ask for information, we're going to send 178 00:11:10,920 --> 00:11:13,480 Speaker 2: it to them. But where that's really relevant is for 179 00:11:13,520 --> 00:11:17,679 Speaker 2: their parents. If these kiddos are assuming that their parents 180 00:11:17,679 --> 00:11:21,760 Speaker 2: have got it all under control, don't because a lot 181 00:11:21,800 --> 00:11:23,640 Speaker 2: of times the parents don't want to ask for help, 182 00:11:23,679 --> 00:11:25,440 Speaker 2: or they're embarrassed to ask for help, or they're being 183 00:11:25,520 --> 00:11:28,080 Speaker 2: kind of stubborn don't want to. But we find some 184 00:11:28,160 --> 00:11:31,319 Speaker 2: pretty bad things going on with parents that are sitting 185 00:11:31,360 --> 00:11:34,560 Speaker 2: in plans that are not sufficient for what they want. 186 00:11:34,679 --> 00:11:37,520 Speaker 2: And a lot of times the kids are completely unaware 187 00:11:37,600 --> 00:11:39,880 Speaker 2: of what's going on, And so I would just say 188 00:11:39,880 --> 00:11:42,800 Speaker 2: for them to get involved asking questions about it. And 189 00:11:43,400 --> 00:11:46,719 Speaker 2: we love when parents join and invite their kids on 190 00:11:46,760 --> 00:11:49,360 Speaker 2: the phone calls and invite them onto appointments. That's the 191 00:11:49,400 --> 00:11:50,840 Speaker 2: best type of appointment right there. 192 00:11:51,960 --> 00:11:55,960 Speaker 1: I like to think I'm pretty well informed, but I 193 00:11:56,080 --> 00:11:58,400 Speaker 1: must admit you and I have had this conversation a 194 00:11:58,440 --> 00:12:02,840 Speaker 1: number of times. I will up one day shot at 195 00:12:02,880 --> 00:12:10,600 Speaker 1: how immersed Medicare was into my parents' health care. How 196 00:12:10,640 --> 00:12:11,560 Speaker 1: does that happen? 197 00:12:14,080 --> 00:12:18,880 Speaker 2: I think the need that grew through the years as 198 00:12:19,360 --> 00:12:24,280 Speaker 2: as seniors became seniors, and the insurance companies started looking 199 00:12:24,320 --> 00:12:27,319 Speaker 2: at the costs that were going they found that as 200 00:12:27,320 --> 00:12:29,240 Speaker 2: we get older, we need more health care. And so 201 00:12:29,559 --> 00:12:31,640 Speaker 2: eventually they started seeing that this was going to be 202 00:12:31,720 --> 00:12:34,920 Speaker 2: a real problem as seniors got older with keeping health 203 00:12:34,920 --> 00:12:38,880 Speaker 2: care affordable at all, and so they end up pitching 204 00:12:38,920 --> 00:12:41,800 Speaker 2: the government and Medicare came in to where they're like, look, 205 00:12:41,840 --> 00:12:44,040 Speaker 2: you guys have got to come in here and help 206 00:12:44,160 --> 00:12:48,120 Speaker 2: us cover our life expectancies getting longer, and you guys 207 00:12:48,200 --> 00:12:49,880 Speaker 2: need to come in here and help us with this 208 00:12:50,040 --> 00:12:53,360 Speaker 2: because we cannot we cannot sustain this. We've got to 209 00:12:53,400 --> 00:12:56,400 Speaker 2: put something in place to help our seniors with their 210 00:12:56,400 --> 00:13:00,240 Speaker 2: health care expenses, much like Social Security. And so they did, 211 00:13:00,440 --> 00:13:03,720 Speaker 2: and so you know, that's where Medicare came in. I 212 00:13:03,760 --> 00:13:06,199 Speaker 2: was passed in nineteen sixty five, went into effect in 213 00:13:06,280 --> 00:13:10,600 Speaker 2: nineteen sixty six dur An lbj's administration, and it's really 214 00:13:10,679 --> 00:13:12,880 Speaker 2: just to subsidize what everybody knows is going to happen 215 00:13:12,880 --> 00:13:15,920 Speaker 2: as we get older and we just disproportionately need more care. 216 00:13:16,480 --> 00:13:19,240 Speaker 2: And so they've gotten in there, and they collect a 217 00:13:19,280 --> 00:13:22,760 Speaker 2: lot of taxes, and so they need very deep and 218 00:13:22,840 --> 00:13:26,400 Speaker 2: wide participation in the workforce and the tax base to 219 00:13:26,440 --> 00:13:28,920 Speaker 2: make sure there's enough money funding into that program to 220 00:13:28,920 --> 00:13:31,920 Speaker 2: continue paying those ever escalating costs. 221 00:13:32,679 --> 00:13:35,640 Speaker 1: What is the number one question you get related to medicare? 222 00:13:37,120 --> 00:13:40,440 Speaker 2: The number one question is really it's kind of a 223 00:13:40,440 --> 00:13:43,640 Speaker 2: little bit overarching. They're like, you know, I don't even 224 00:13:43,640 --> 00:13:45,840 Speaker 2: know if it's a question. They make a statement, they'll say, 225 00:13:45,880 --> 00:13:47,720 Speaker 2: I can't make heads or tails of any of this. 226 00:13:48,720 --> 00:13:52,640 Speaker 2: We have architects and engineers and doctors and brick layers 227 00:13:52,679 --> 00:13:55,800 Speaker 2: and people come in and some of them, the more educated, 228 00:13:55,840 --> 00:13:58,240 Speaker 2: are actually annoyed when they call because they're like, oh 229 00:13:58,280 --> 00:14:00,360 Speaker 2: my gosh, I've been looking at this for two weeks 230 00:14:00,400 --> 00:14:03,360 Speaker 2: and I'm less sure of what I'm looking at them before. 231 00:14:03,440 --> 00:14:06,920 Speaker 2: Can you sort this out for us? And I'm like, absolutely, 232 00:14:06,920 --> 00:14:10,040 Speaker 2: we can't. So it's just the utter information, the other 233 00:14:10,080 --> 00:14:13,320 Speaker 2: amount of information and confusion that gets on all these 234 00:14:13,360 --> 00:14:15,680 Speaker 2: folks that they're trying to navigate the system is just 235 00:14:16,240 --> 00:14:18,640 Speaker 2: it's just brutal. And I don't know. I stare at 236 00:14:18,640 --> 00:14:21,360 Speaker 2: it all day, so I understand totally where they're coming from. 237 00:14:21,640 --> 00:14:23,760 Speaker 2: And I don't know anybody understands it. With all the 238 00:14:23,840 --> 00:14:25,360 Speaker 2: changes and things coming down the pike. 239 00:14:26,520 --> 00:14:31,240 Speaker 1: I was in DC in maybe August. I think that's 240 00:14:31,240 --> 00:14:34,320 Speaker 1: when the Big Beautiful Book came down, and I asked 241 00:14:34,360 --> 00:14:37,120 Speaker 1: you to come on the show because I was getting 242 00:14:37,680 --> 00:14:41,040 Speaker 1: frantic emails. I forwarded those to you, and I don't 243 00:14:41,040 --> 00:14:43,440 Speaker 1: know if you remember this conversation, but I said, you 244 00:14:43,520 --> 00:14:46,000 Speaker 1: come on and talk about this. And this one woman 245 00:14:46,160 --> 00:14:49,720 Speaker 1: was horrified. She was scared, and I hate that because 246 00:14:49,720 --> 00:14:52,440 Speaker 1: it's a natural thing. This isn't being scared about something, 247 00:14:52,800 --> 00:14:56,320 Speaker 1: you know, eight countries away. It's your life. And you said, 248 00:14:56,360 --> 00:14:58,880 Speaker 1: we're not allowed to talk about that until X date 249 00:14:59,320 --> 00:15:01,840 Speaker 1: and it's not certain yet. Not it was in the bill. 250 00:15:02,200 --> 00:15:06,920 Speaker 1: Let's talk about how the Big Beautiful Bill changed. Are 251 00:15:06,960 --> 00:15:10,160 Speaker 1: the big changes in medicare that affect people the most? 252 00:15:11,240 --> 00:15:14,880 Speaker 2: Absolutely? And yes, I remember that conversation. It was with 253 00:15:14,920 --> 00:15:18,080 Speaker 2: a young lady named Jill, and I actually called her 254 00:15:18,120 --> 00:15:20,000 Speaker 2: Michael to just kind of chat with her a little 255 00:15:20,000 --> 00:15:23,320 Speaker 2: bit off offline. So the changes and I don't want 256 00:15:23,320 --> 00:15:25,400 Speaker 2: to sound like a broken record, but the changes are 257 00:15:25,440 --> 00:15:29,760 Speaker 2: still being driven by the Inflation Reduction Act that Biden 258 00:15:29,800 --> 00:15:34,040 Speaker 2: bill from twenty twenty two. That the carriers are beside 259 00:15:34,080 --> 00:15:36,160 Speaker 2: themselves trying to figure out what to do with it. 260 00:15:36,200 --> 00:15:40,200 Speaker 2: And just as a reminder to everyone, what that deal 261 00:15:40,280 --> 00:15:44,760 Speaker 2: did is Medicare made massive cuts to Medicare Part D, 262 00:15:44,920 --> 00:15:48,200 Speaker 2: which is where all the drugs are, and they fluffed 263 00:15:48,240 --> 00:15:51,040 Speaker 2: them off onto the carriers and then brought a twenty 264 00:15:51,040 --> 00:15:55,920 Speaker 2: percent coupon from the pharmaceuticals. So basically the carrier's liability 265 00:15:55,960 --> 00:15:58,560 Speaker 2: for the cost of all the prescription drugs. Once it 266 00:15:58,600 --> 00:16:00,760 Speaker 2: got into you know, into the phase where it really 267 00:16:00,800 --> 00:16:05,480 Speaker 2: starts getting expenses, the carrier responsibility tripled from twenty percent 268 00:16:05,520 --> 00:16:09,160 Speaker 2: to sixty and Medicare just went on vacation. They just said, yeah, 269 00:16:09,200 --> 00:16:12,080 Speaker 2: we're done with that, and the carriers are trying to 270 00:16:12,080 --> 00:16:13,840 Speaker 2: figure out how in the world they're going to pay 271 00:16:13,880 --> 00:16:16,600 Speaker 2: for it, and that is still they're beside themselves trying 272 00:16:16,600 --> 00:16:17,640 Speaker 2: to figure out what they're going to do. 273 00:16:17,800 --> 00:16:21,800 Speaker 1: Your calls are coming in justin White Senior Health Services 274 00:16:21,840 --> 00:16:24,320 Speaker 1: dot Com. Your emails. I'm sorry, I will be asking 275 00:16:24,360 --> 00:16:29,520 Speaker 1: your questions coming up. Do you know, this triggers me 276 00:16:29,520 --> 00:16:36,960 Speaker 1: and when sets me back right. Senior Health Services dot 277 00:16:37,000 --> 00:16:41,120 Speaker 1: com founder and medicare expert Justin White is our guest. Justin, 278 00:16:41,160 --> 00:16:43,080 Speaker 1: I think I had to cut you off. I've got 279 00:16:43,120 --> 00:16:45,520 Speaker 1: a number of questions coming in from listeners, but I 280 00:16:45,560 --> 00:16:49,640 Speaker 1: wasn't sure where you were on explaining what healthcare is. 281 00:16:49,920 --> 00:16:52,400 Speaker 1: Why do why does everybody end up having to be 282 00:16:52,560 --> 00:16:56,760 Speaker 1: on Medicare? I didn't see that coming. Can you explain that? 283 00:16:57,880 --> 00:17:01,040 Speaker 2: Yeah, it's well, it's just because they're so much subsidy 284 00:17:01,080 --> 00:17:05,160 Speaker 2: that's needed to cover the senior's health care. You know, again, 285 00:17:05,240 --> 00:17:09,280 Speaker 2: that was passed at the behest of everybody. Everybody sawry 286 00:17:09,280 --> 00:17:11,800 Speaker 2: by living longer and realizing how much the senior healthcare 287 00:17:11,880 --> 00:17:15,080 Speaker 2: was going to cost. So the public system was formed 288 00:17:15,400 --> 00:17:18,720 Speaker 2: obviously called Medicare, and so they need people to be 289 00:17:18,880 --> 00:17:22,440 Speaker 2: in the system so that it is supported financially. That's 290 00:17:22,560 --> 00:17:24,199 Speaker 2: I mean, that's just the long and short of it, 291 00:17:24,200 --> 00:17:26,119 Speaker 2: because as we get older, we need more of it, 292 00:17:26,200 --> 00:17:28,840 Speaker 2: and the insurance companies cannot share, you know, they just 293 00:17:28,880 --> 00:17:31,760 Speaker 2: can't shoulder at all themselves. So that's the reason it's 294 00:17:31,760 --> 00:17:33,200 Speaker 2: got to be subsidized federally. 295 00:17:33,680 --> 00:17:35,960 Speaker 1: I wanted this to be something that helps our listeners, 296 00:17:35,960 --> 00:17:37,679 Speaker 1: whether they end up calling you or not. But I 297 00:17:37,680 --> 00:17:40,359 Speaker 1: want this to be something that helps our listeners. But 298 00:17:40,760 --> 00:17:43,720 Speaker 1: I also want to take a moment and talk about policy. 299 00:17:44,440 --> 00:17:50,800 Speaker 1: And if someone says I don't want any assistance with 300 00:17:51,119 --> 00:17:55,240 Speaker 1: all of that, they can opt out of ever using Medicare, right. 301 00:17:56,480 --> 00:18:00,480 Speaker 2: They can, They sure can. The easiest way to opt 302 00:18:00,480 --> 00:18:02,960 Speaker 2: out of having to use Medicare is to continue working 303 00:18:03,080 --> 00:18:06,359 Speaker 2: and stay on your group insurance through your employer, especially 304 00:18:06,400 --> 00:18:08,520 Speaker 2: if there's more than twenty employees, they can work. I 305 00:18:09,240 --> 00:18:11,800 Speaker 2: helped a couple of folks that were turning eighty that 306 00:18:11,920 --> 00:18:15,520 Speaker 2: were coming off group insurance for the previous fifteen years 307 00:18:15,560 --> 00:18:18,600 Speaker 2: and not a problem. There were no fines, there was nothing, 308 00:18:18,640 --> 00:18:20,480 Speaker 2: and they didn't have A or B. So it was 309 00:18:20,520 --> 00:18:23,040 Speaker 2: just a process that we went through and all those 310 00:18:23,080 --> 00:18:25,640 Speaker 2: fines that they would otherwise want a levy were waived 311 00:18:25,720 --> 00:18:29,679 Speaker 2: because they had what's called creditable coverage. If you don't 312 00:18:29,720 --> 00:18:34,040 Speaker 2: get Medicare and you don't have creditable coverage in place, yes, 313 00:18:34,119 --> 00:18:36,320 Speaker 2: it's your prerogative to not be in there if you 314 00:18:36,320 --> 00:18:38,720 Speaker 2: don't want to pay for it. But if and when 315 00:18:38,760 --> 00:18:41,159 Speaker 2: you do decide later, oh that was a mistake. I 316 00:18:41,240 --> 00:18:43,560 Speaker 2: want to get in there. They are going to find 317 00:18:43,640 --> 00:18:47,360 Speaker 2: you at the wazoo. If you have no insurance at all, 318 00:18:47,480 --> 00:18:50,040 Speaker 2: or you've got a plan that they don't like, that 319 00:18:50,160 --> 00:18:54,159 Speaker 2: could be a problem. So I would just encourage anybody 320 00:18:54,320 --> 00:18:57,919 Speaker 2: before you make that decision to call someone about it. 321 00:18:57,960 --> 00:19:00,040 Speaker 2: Call Seeing Health Services, and we will give you some 322 00:19:00,080 --> 00:19:02,680 Speaker 2: alternative options where you don't have to worry about coming 323 00:19:02,680 --> 00:19:05,600 Speaker 2: in and having a big old fine that never goes away. 324 00:19:06,400 --> 00:19:08,640 Speaker 2: There's ways to avoid some of those costs if you're 325 00:19:08,680 --> 00:19:11,159 Speaker 2: not really using it that much, and we're happy to 326 00:19:11,200 --> 00:19:13,320 Speaker 2: talk about that with anybody that's insted. 327 00:19:14,040 --> 00:19:16,240 Speaker 1: I am a big believer in full disclosure. It makes 328 00:19:16,240 --> 00:19:18,520 Speaker 1: some people very uncomfortable. I ask people what they make, 329 00:19:18,680 --> 00:19:20,800 Speaker 1: ask them what their company makes, what your profit margin 330 00:19:20,880 --> 00:19:23,000 Speaker 1: is on an item. And I know these are things 331 00:19:23,000 --> 00:19:25,480 Speaker 1: that make people, you know, very uncomfortable, like asking a 332 00:19:25,480 --> 00:19:28,040 Speaker 1: woman her age or wait or whatever else. But I 333 00:19:28,040 --> 00:19:31,960 Speaker 1: think these things should be very clear and very upfront. 334 00:19:32,080 --> 00:19:35,120 Speaker 1: You always explain how y'all get paid, and I think 335 00:19:35,160 --> 00:19:37,880 Speaker 1: people want to know that because your service to our 336 00:19:37,880 --> 00:19:40,320 Speaker 1: listeners is free to the listener. 337 00:19:40,119 --> 00:19:42,920 Speaker 2: Yes, yes, and they all ask that you know, in fact, 338 00:19:42,960 --> 00:19:45,639 Speaker 2: a lot and by the way, the Michael Berry Listener, 339 00:19:45,680 --> 00:19:48,159 Speaker 2: not that you don't already know, this is the freaking 340 00:19:48,240 --> 00:19:51,240 Speaker 2: greatest client ever. I love watching them walk in the 341 00:19:51,240 --> 00:19:53,719 Speaker 2: door because I just love them. They're the best. And 342 00:19:53,920 --> 00:19:55,240 Speaker 2: you know, one of the things for that is they're 343 00:19:55,280 --> 00:19:57,399 Speaker 2: so conscientious. And this is across the board. I mean, 344 00:19:57,440 --> 00:19:59,879 Speaker 2: somebody comes in we'll sit here for and go through this, 345 00:20:00,240 --> 00:20:02,200 Speaker 2: or one of my agents that's working with a Barry Listener, 346 00:20:02,280 --> 00:20:05,000 Speaker 2: maybe somewhere a little further away from the office, and 347 00:20:05,040 --> 00:20:06,680 Speaker 2: they all pull out a check book and say what 348 00:20:06,720 --> 00:20:08,960 Speaker 2: I owe you, even though we say it's free, and 349 00:20:09,040 --> 00:20:11,200 Speaker 2: say you put that back in your purse or get 350 00:20:11,280 --> 00:20:13,480 Speaker 2: your wallet away from me. You don't owe us anything. 351 00:20:13,520 --> 00:20:16,000 Speaker 2: And they're like, well, you spend an hour with us, 352 00:20:16,440 --> 00:20:19,080 Speaker 2: And I'm like, look, we will let the insurance carriers. 353 00:20:19,600 --> 00:20:22,080 Speaker 2: We will let the insurance carriers pay us. So I'll 354 00:20:22,119 --> 00:20:24,960 Speaker 2: just tell everybody that's listening on here. We get paid, 355 00:20:25,000 --> 00:20:27,240 Speaker 2: but we get paid by the insurance companies and we 356 00:20:27,280 --> 00:20:29,879 Speaker 2: get paid just fine, and we are not going to 357 00:20:29,960 --> 00:20:32,720 Speaker 2: ever get paid by somebody that comes and sits with us. 358 00:20:33,080 --> 00:20:35,080 Speaker 2: They're folks in town that do that. They should they 359 00:20:35,720 --> 00:20:39,160 Speaker 2: charge consultation fees, and I mean whatever, I just don't 360 00:20:39,200 --> 00:20:41,400 Speaker 2: like that. We don't do it. So their services are 361 00:20:41,440 --> 00:20:44,879 Speaker 2: free when they're working with us, and we're paid just fine. 362 00:20:45,040 --> 00:20:48,359 Speaker 2: And you know, the commissions and stuff that we get 363 00:20:48,400 --> 00:20:53,000 Speaker 2: are standardized by the FIBs, and that's and they're sufficient. 364 00:20:53,040 --> 00:20:55,440 Speaker 2: That's all that I can say, you know, to help people, 365 00:20:55,440 --> 00:20:57,680 Speaker 2: we are happy to do it and pass on that 366 00:20:58,240 --> 00:20:59,840 Speaker 2: services and what not to people for free. 367 00:21:00,119 --> 00:21:05,160 Speaker 1: Sure Island Joe writes Zorro. I'm turning sixty five next October. 368 00:21:05,800 --> 00:21:08,399 Speaker 1: Next October, so a year from now. Anything I should 369 00:21:08,400 --> 00:21:11,800 Speaker 1: do leading up to having to sign up? How close 370 00:21:11,840 --> 00:21:14,840 Speaker 1: to sixty five should I sign up? Should I keep 371 00:21:14,840 --> 00:21:17,639 Speaker 1: my insurance through work? What is the biggest scam I 372 00:21:17,640 --> 00:21:18,439 Speaker 1: should be aware of? 373 00:21:19,920 --> 00:21:20,680 Speaker 2: Great questions? 374 00:21:20,720 --> 00:21:24,159 Speaker 1: Holy on away, Let's start with how how close to 375 00:21:24,200 --> 00:21:26,280 Speaker 1: sixty five should someone sign up? 376 00:21:27,119 --> 00:21:30,400 Speaker 2: They, generally, and by they, I mean medicare they want 377 00:21:30,440 --> 00:21:33,560 Speaker 2: somebody to go ahead and start that process about three 378 00:21:33,600 --> 00:21:36,920 Speaker 2: months out. Say that's three months before the month you 379 00:21:37,000 --> 00:21:39,840 Speaker 2: turn sixty five. So if he turns in October, you 380 00:21:39,960 --> 00:21:42,600 Speaker 2: count back three months, and so that would be September 381 00:21:42,640 --> 00:21:46,920 Speaker 2: August July, starting on the first of July twenty twenty six. 382 00:21:47,440 --> 00:21:49,520 Speaker 2: He can. He could call in here and we'll tell 383 00:21:49,560 --> 00:21:51,639 Speaker 2: him exactly what to do, or we'll help him do 384 00:21:51,680 --> 00:21:53,919 Speaker 2: it if he wants to come in, but July is 385 00:21:54,000 --> 00:21:56,360 Speaker 2: usually what he wants to do. His effective date will 386 00:21:56,400 --> 00:21:59,159 Speaker 2: be on the first of October, because it's always on 387 00:21:59,240 --> 00:22:02,480 Speaker 2: the first day of the months you turn. And then 388 00:22:02,520 --> 00:22:04,359 Speaker 2: once we get all that stuff in place, we can 389 00:22:04,400 --> 00:22:07,560 Speaker 2: pick another plan that will help to offset what Medicare 390 00:22:07,600 --> 00:22:10,200 Speaker 2: doesn't cover. But yes, generally three months out when you're 391 00:22:10,240 --> 00:22:11,720 Speaker 2: turning sixty five and aging in. 392 00:22:12,600 --> 00:22:15,760 Speaker 1: And should I keep my insurance through work? 393 00:22:18,000 --> 00:22:21,040 Speaker 2: If he is planning, you know at that point I'm 394 00:22:21,080 --> 00:22:24,760 Speaker 2: assuming he means once he turns sixty five, so obviously yes, 395 00:22:25,640 --> 00:22:28,919 Speaker 2: until he turns sixty five. Once he gets there. The 396 00:22:29,040 --> 00:22:30,800 Speaker 2: question that I ask is how long are you going 397 00:22:30,880 --> 00:22:34,159 Speaker 2: to continue working? And if they say just you know, 398 00:22:34,240 --> 00:22:36,880 Speaker 2: until I drop or whatever, the answer is. Sometimes people 399 00:22:36,960 --> 00:22:38,879 Speaker 2: say I'm not going to retire ever, or I'm going 400 00:22:38,920 --> 00:22:42,080 Speaker 2: to retire at seventy or sixty seven or whatever. I'm like, 401 00:22:42,200 --> 00:22:43,200 Speaker 2: do you like your plan? 402 00:22:43,880 --> 00:22:44,040 Speaker 1: Yes? 403 00:22:44,119 --> 00:22:46,640 Speaker 2: Because those are creditable. I'll say, you know, you work 404 00:22:46,680 --> 00:22:49,400 Speaker 2: for a company with more than twenty employees. Oh yeah, 405 00:22:49,440 --> 00:22:51,399 Speaker 2: it's an oil and gas firm. Great, and do you 406 00:22:51,520 --> 00:22:55,240 Speaker 2: like your plan? Oh, it's wonderful, fantastic. I say, it's 407 00:22:55,480 --> 00:22:57,439 Speaker 2: completely up to you. If you want to stay in 408 00:22:57,440 --> 00:23:00,400 Speaker 2: that plan, fabulous. If you want to go into let's 409 00:23:00,400 --> 00:23:03,280 Speaker 2: see which one's the best financial deal for you and 410 00:23:03,359 --> 00:23:06,720 Speaker 2: make a decision that's driven by dollars. And if their 411 00:23:07,280 --> 00:23:09,920 Speaker 2: group insurance plan through their job is a better deal, 412 00:23:10,000 --> 00:23:13,000 Speaker 2: it's really obvious, and we're going to tell them to 413 00:23:13,040 --> 00:23:14,919 Speaker 2: stay there. And I had some guy come in the 414 00:23:14,920 --> 00:23:17,600 Speaker 2: other day that his plan through his company was for 415 00:23:17,720 --> 00:23:19,920 Speaker 2: free and he was in because he thought he was 416 00:23:19,960 --> 00:23:21,520 Speaker 2: going to be fined. It was a big company and 417 00:23:21,560 --> 00:23:23,480 Speaker 2: the plan and the company was very generous and giving 418 00:23:23,560 --> 00:23:26,200 Speaker 2: him the insurance for nothing. And I looked at him. 419 00:23:26,240 --> 00:23:28,920 Speaker 2: I said, Dennis, if you drop that plan, you're getting 420 00:23:28,920 --> 00:23:31,040 Speaker 2: it for free and you go into medicare, you have 421 00:23:31,240 --> 00:23:34,399 Speaker 2: lost your mind. You go away and you figure out 422 00:23:34,440 --> 00:23:36,200 Speaker 2: when you're going to retire. And I was, obviously I'm 423 00:23:36,200 --> 00:23:38,440 Speaker 2: saying this tongue in cheek, will happen. But I said, 424 00:23:38,480 --> 00:23:40,159 Speaker 2: you go away and you come back when you're going 425 00:23:40,240 --> 00:23:42,160 Speaker 2: to retire, and we'll do it there. But as long 426 00:23:42,160 --> 00:23:44,919 Speaker 2: as they're giving you insurance for free and you continue working. 427 00:23:44,960 --> 00:23:47,879 Speaker 2: That's the key. It's got to be through your current 428 00:23:47,920 --> 00:23:50,520 Speaker 2: employment or that of a spouse. Then you do whatever 429 00:23:50,520 --> 00:23:52,199 Speaker 2: it is that you want to do. And you know, 430 00:23:52,320 --> 00:23:54,320 Speaker 2: if we can save them some money by going into medicare, 431 00:23:54,359 --> 00:23:56,520 Speaker 2: which happens a lot, then we'll let them know. But 432 00:23:56,520 --> 00:23:58,879 Speaker 2: I would say just review it. But absolutely he can 433 00:23:58,920 --> 00:24:01,119 Speaker 2: stay in that, especially he's going to continue working for 434 00:24:01,119 --> 00:24:02,040 Speaker 2: a while and he likes it. 435 00:24:02,560 --> 00:24:05,560 Speaker 1: Next question, what is the biggest scam I should be 436 00:24:05,600 --> 00:24:07,560 Speaker 1: aware of? And I will add to that in case 437 00:24:07,600 --> 00:24:12,760 Speaker 1: there's not a pure scam, pitfalls, things that most people 438 00:24:12,800 --> 00:24:13,560 Speaker 1: make a mistake on. 439 00:24:16,160 --> 00:24:18,240 Speaker 2: So the biggest thing right now that we're having to 440 00:24:18,320 --> 00:24:21,320 Speaker 2: unload and unwind a lot of are these dead gum 441 00:24:21,480 --> 00:24:25,440 Speaker 2: phone calls. We get called all the time, somebody saying 442 00:24:25,560 --> 00:24:28,920 Speaker 2: I was moved plans and I have no idea how 443 00:24:29,000 --> 00:24:31,440 Speaker 2: that happened. And I said, when was your phone calls? 444 00:24:31,520 --> 00:24:33,640 Speaker 2: What are you talking about? You took a phone calls? 445 00:24:33,680 --> 00:24:35,840 Speaker 2: He goes, yeah, but I didn't do anything. I said, well, 446 00:24:35,920 --> 00:24:39,280 Speaker 2: they put you somewhere else, and so we have to 447 00:24:39,320 --> 00:24:41,520 Speaker 2: go in and unwind that. I had a lady named 448 00:24:41,520 --> 00:24:43,600 Speaker 2: Elaine that came in and they literally put her in 449 00:24:43,600 --> 00:24:46,479 Speaker 2: a plan with no drug coverage, getting up her up 450 00:24:46,520 --> 00:24:48,240 Speaker 2: for fines and all that stuff. We had to call 451 00:24:48,280 --> 00:24:51,440 Speaker 2: Medicare to help her get that stuff unwound. So that's 452 00:24:51,480 --> 00:24:54,320 Speaker 2: a huge thing. Be really really careful when you get 453 00:24:54,359 --> 00:24:58,600 Speaker 2: an unsolicited phone call. It's probably illegal. And then the 454 00:24:58,640 --> 00:25:00,760 Speaker 2: other thing for people already on that care one of 455 00:25:00,800 --> 00:25:01,520 Speaker 2: the biggest. 456 00:25:01,280 --> 00:25:07,119 Speaker 1: Problem that thought. Hold that thought justin senior health services, 457 00:25:07,280 --> 00:25:09,720 Speaker 1: justin white. So I guess your Medicare questions coming on. 458 00:25:09,760 --> 00:25:16,840 Speaker 1: Another thing left lifeless eyes, black eyes. It's like a dollars. 459 00:25:19,440 --> 00:25:22,720 Speaker 1: Have you ever seen a video to this? I saw 460 00:25:22,720 --> 00:25:24,840 Speaker 1: a video on how this video was made and it 461 00:25:24,880 --> 00:25:28,800 Speaker 1: was basically just this dude just sort of riffing on 462 00:25:28,920 --> 00:25:32,359 Speaker 1: his dance, but his jacket keeps coming on and off. 463 00:25:32,800 --> 00:25:35,280 Speaker 1: You notice that he can't make his mind up on 464 00:25:35,320 --> 00:25:36,840 Speaker 1: it whether the jackets on or off. 465 00:25:36,840 --> 00:25:37,320 Speaker 2: It just. 466 00:25:39,680 --> 00:25:44,560 Speaker 1: Was He dated Courtney Cox and Jennifer Andison. Which one 467 00:25:44,600 --> 00:25:49,800 Speaker 1: is Courtney Cox? Oh, she's in Friends. I never watched Friends. Okay, 468 00:25:49,800 --> 00:25:53,480 Speaker 1: I know who Jennifer Aniston is. Can I say something 469 00:25:53,480 --> 00:25:55,359 Speaker 1: and you want hold it against me and not judge 470 00:25:55,400 --> 00:25:58,560 Speaker 1: me for this? No, don't say do it? Say you. 471 00:25:58,680 --> 00:26:00,119 Speaker 1: This is my mom. Usually just I said, Mom, I'm 472 00:26:00,119 --> 00:26:03,520 Speaker 1: gonna tell you something, but this you cannot repeat this 473 00:26:03,640 --> 00:26:08,360 Speaker 1: to anyone. She'd say, who am I gonna tell That's 474 00:26:08,440 --> 00:26:12,120 Speaker 1: not a commitment. I need a commitment here. I don't 475 00:26:12,200 --> 00:26:15,760 Speaker 1: understand all the fuss about Jennifer Aniston. I wouldn't kick 476 00:26:15,800 --> 00:26:18,760 Speaker 1: her out of bed, but I don't know she's I mean, 477 00:26:19,520 --> 00:26:22,720 Speaker 1: she's not rock your world gorgeous. I think she's She's 478 00:26:22,800 --> 00:26:25,199 Speaker 1: kind of got the girl next door thing that people like, 479 00:26:25,720 --> 00:26:28,520 Speaker 1: but she never like. You know, if I'm making my 480 00:26:28,600 --> 00:26:31,280 Speaker 1: top ten, she ain't on it. I'm gonna tell you 481 00:26:31,359 --> 00:26:35,240 Speaker 1: that right now. She know my top twenty five. It's 482 00:26:35,280 --> 00:26:37,640 Speaker 1: not Elton John. I'm just telling you if I don't 483 00:26:37,640 --> 00:26:39,640 Speaker 1: find her that attractive, I don't find her that attractive. 484 00:26:41,160 --> 00:26:45,160 Speaker 1: Justin White as our guest of Senior Health Services dot Com. 485 00:26:45,160 --> 00:26:47,359 Speaker 1: He happens to be a show sponsor. He's also a 486 00:26:47,400 --> 00:26:49,840 Speaker 1: guy send a lot of personal questions too. And I 487 00:26:49,840 --> 00:26:53,280 Speaker 1: get a lot of listeners who ask medicare related questions 488 00:26:53,320 --> 00:26:56,600 Speaker 1: and I forward them to them, including friends who know 489 00:26:56,680 --> 00:26:59,880 Speaker 1: that I have a contact. And sometimes you don't want 490 00:26:59,880 --> 00:27:03,000 Speaker 1: to be the guy who knows the DWI attorney, the 491 00:27:03,040 --> 00:27:05,920 Speaker 1: criminal defense attorney, the person who can get a stop 492 00:27:05,960 --> 00:27:09,600 Speaker 1: sign put on your street corner, because then you become 493 00:27:10,280 --> 00:27:14,160 Speaker 1: the one that everybody calls on that issue. Good news 494 00:27:14,240 --> 00:27:16,240 Speaker 1: is I punt him off to Justin and he seems 495 00:27:16,240 --> 00:27:24,840 Speaker 1: to enjoy helping people. Let's talk Justin about like inside information. 496 00:27:25,200 --> 00:27:31,240 Speaker 1: In August, you said there will be a time come October, 497 00:27:31,760 --> 00:27:34,199 Speaker 1: and you know you agreed that by October first we 498 00:27:34,200 --> 00:27:37,000 Speaker 1: could have these conversations because there were restrictions on what 499 00:27:37,080 --> 00:27:41,199 Speaker 1: could couldn't be talked about. What is we'll use it 500 00:27:41,200 --> 00:27:44,000 Speaker 1: as a season, use a sporting term. What does this 501 00:27:44,080 --> 00:27:45,600 Speaker 1: season hold for folks? 502 00:27:46,359 --> 00:27:50,280 Speaker 2: Great question? Yeah, and the key is there a season 503 00:27:50,280 --> 00:27:52,679 Speaker 2: where I can talk? Yeah, there's no accident. It's today 504 00:27:53,040 --> 00:27:55,560 Speaker 2: because we can start chatting more in detail today. So 505 00:27:56,480 --> 00:28:00,760 Speaker 2: right now, the carriers are they're freeing out because of 506 00:28:00,760 --> 00:28:03,679 Speaker 2: the Inflation Reduction Act. They're trying to find money, and 507 00:28:03,720 --> 00:28:05,720 Speaker 2: when you talk to the heads of these things, they're like, 508 00:28:05,760 --> 00:28:07,960 Speaker 2: we've just got to get through this year. I will 509 00:28:08,000 --> 00:28:10,120 Speaker 2: look at these guys and say, what is the biggest 510 00:28:10,160 --> 00:28:11,679 Speaker 2: cause of this? Cause you can tell they don't ever 511 00:28:11,720 --> 00:28:14,840 Speaker 2: act like this, and they say it's the inflation Reduction Act. 512 00:28:14,840 --> 00:28:16,480 Speaker 2: We're trying to figure out how to cover all these 513 00:28:16,520 --> 00:28:19,600 Speaker 2: meds and what we're going to do. So what people 514 00:28:19,680 --> 00:28:23,240 Speaker 2: can expect is it's going to be a little chaotic. 515 00:28:23,320 --> 00:28:27,120 Speaker 2: It's not all bad news, but like for example, this morning, 516 00:28:27,200 --> 00:28:30,639 Speaker 2: we can finally see our computer programs and look and 517 00:28:30,640 --> 00:28:33,679 Speaker 2: see what's going on inside the plans and things in 518 00:28:33,760 --> 00:28:36,920 Speaker 2: real time. And we've noticed I'm getting texts constantly from 519 00:28:36,920 --> 00:28:40,840 Speaker 2: my agents saying, oh my gosh, the formularies have changed, 520 00:28:40,960 --> 00:28:43,680 Speaker 2: meaning what drugs are covered and how they're covered. So 521 00:28:43,760 --> 00:28:45,720 Speaker 2: we're going to have to go through and figure out. 522 00:28:45,760 --> 00:28:49,000 Speaker 2: We've got two weeks October first through the fourteenth to 523 00:28:49,080 --> 00:28:52,200 Speaker 2: kind of test everything and see what's going on, and 524 00:28:52,240 --> 00:28:54,880 Speaker 2: so that we can start enrolling on the fifteenth of October. 525 00:28:54,920 --> 00:28:56,880 Speaker 2: So you can think of the first through the fourteenth 526 00:28:56,920 --> 00:28:59,600 Speaker 2: like a soft opening, like at a casino, and so 527 00:28:59,640 --> 00:29:01,240 Speaker 2: we're going to be getting in there. We can talk 528 00:29:01,280 --> 00:29:03,240 Speaker 2: to people about their plans, so the people that are 529 00:29:03,360 --> 00:29:05,480 Speaker 2: sending stuff in now we can help them. We can 530 00:29:05,560 --> 00:29:08,600 Speaker 2: talk and visit and then if there's any changes after 531 00:29:08,640 --> 00:29:11,320 Speaker 2: the fifteenth of October, we can do it. But here's 532 00:29:11,320 --> 00:29:14,680 Speaker 2: what I want to tell people, and D I can't 533 00:29:14,720 --> 00:29:18,000 Speaker 2: ever use absolutes because there's never any room for absolutes. 534 00:29:18,000 --> 00:29:20,920 Speaker 2: But generally speaking, the larger carriers are the ones that 535 00:29:20,960 --> 00:29:23,960 Speaker 2: seem to be under pressure right now. They seem to 536 00:29:23,960 --> 00:29:26,480 Speaker 2: be under pressure because they've got millions of beneficiaries and 537 00:29:26,520 --> 00:29:29,120 Speaker 2: when there's a hole that opens up in their finances, 538 00:29:29,480 --> 00:29:32,560 Speaker 2: you times at times millions of beneficiaries and there you go. 539 00:29:33,040 --> 00:29:35,560 Speaker 2: So the adjustments, you're going to see adjustments come through 540 00:29:36,600 --> 00:29:41,120 Speaker 2: higher copays, hire maximount of pockets. Doctors are shifting around 541 00:29:41,160 --> 00:29:43,720 Speaker 2: all over the place, and that's the thing that's causing 542 00:29:43,800 --> 00:29:46,520 Speaker 2: some you know, causing some issues with that. And people 543 00:29:46,600 --> 00:29:50,040 Speaker 2: just need to look at their plans and figure out 544 00:29:50,080 --> 00:29:52,840 Speaker 2: can you stand what your plans turning into for next year? 545 00:29:53,520 --> 00:29:56,560 Speaker 2: And if you don't know what I'm talking about, call somebody. 546 00:29:56,560 --> 00:29:58,080 Speaker 2: If you got a trust an agent, call them, or 547 00:29:58,080 --> 00:30:00,760 Speaker 2: call Senior Health Services or send us an email and 548 00:30:00,800 --> 00:30:02,800 Speaker 2: we will certainly help you. We got agents all over 549 00:30:02,840 --> 00:30:04,920 Speaker 2: the area. But the other thing I want to make 550 00:30:04,960 --> 00:30:07,720 Speaker 2: sure everybody knows to give them some to give them 551 00:30:07,040 --> 00:30:11,560 Speaker 2: some hope, is that the smaller carriers seem to be 552 00:30:12,280 --> 00:30:16,680 Speaker 2: surging back in Okay. So there are glimmers of hope 553 00:30:16,680 --> 00:30:19,000 Speaker 2: out there for folks that got benefits that were cut 554 00:30:19,040 --> 00:30:21,760 Speaker 2: back last year. If they you may find that the 555 00:30:22,520 --> 00:30:24,160 Speaker 2: company you had to leave last year is all of 556 00:30:24,160 --> 00:30:27,160 Speaker 2: a sudden slamming back into the picture this year with 557 00:30:27,280 --> 00:30:30,480 Speaker 2: benefits that may be similar or better. You might need 558 00:30:30,520 --> 00:30:33,480 Speaker 2: to make a doctor adjustment here and there, but there 559 00:30:33,520 --> 00:30:36,480 Speaker 2: are good benefits that were out there, but it's impossible 560 00:30:36,520 --> 00:30:39,320 Speaker 2: for them to know unless they look. And that was 561 00:30:39,360 --> 00:30:41,720 Speaker 2: going to say that the biggest thing I see's mistakes 562 00:30:41,760 --> 00:30:43,360 Speaker 2: is people sit out there and they settle in a 563 00:30:43,400 --> 00:30:46,880 Speaker 2: plan and stay there for years, because those plans are 564 00:30:46,880 --> 00:30:49,840 Speaker 2: not as aggressively updated as the brand new ones are. 565 00:30:50,240 --> 00:30:52,800 Speaker 2: And when somebody comes in and says my plan is terrible, 566 00:30:52,880 --> 00:30:54,200 Speaker 2: I'm like, how long have you been in this thing? 567 00:30:54,280 --> 00:30:57,040 Speaker 2: Six years? Says well, that's why it's terrible. You know 568 00:30:57,200 --> 00:30:59,640 Speaker 2: you have not looked at it. And are their agents gone? 569 00:30:59,640 --> 00:31:01,440 Speaker 2: You know you had that kind of stuff happen. So 570 00:31:02,320 --> 00:31:04,520 Speaker 2: just have them look and if they have any questions, 571 00:31:04,600 --> 00:31:07,880 Speaker 2: my gosh, call and ask somebody. Jill, who you sent 572 00:31:07,960 --> 00:31:10,680 Speaker 2: that deal? Back in October she was worried, but that 573 00:31:10,760 --> 00:31:13,400 Speaker 2: she thought her plan was being canceled. And here's one 574 00:31:13,440 --> 00:31:18,880 Speaker 2: of these inexplicable, ridiculous things. Her company, they just renamed everything, 575 00:31:19,520 --> 00:31:21,960 Speaker 2: so her plans not being canceled at all, but she 576 00:31:22,000 --> 00:31:24,440 Speaker 2: doesn't recognize it anymore because it has a new name. 577 00:31:24,800 --> 00:31:26,360 Speaker 2: And I don't know why they do that. They've got 578 00:31:26,400 --> 00:31:29,080 Speaker 2: ridiculous reasons for it, and I guess they make sense 579 00:31:29,120 --> 00:31:31,600 Speaker 2: on one level, but they do that from time to time. 580 00:31:31,920 --> 00:31:34,560 Speaker 2: A couple of years ago a company did that. They 581 00:31:34,600 --> 00:31:38,080 Speaker 2: took off their reasonable names and identified all the plans 582 00:31:38,080 --> 00:31:41,160 Speaker 2: with this random serial number. It's like, oh, great, that's 583 00:31:41,200 --> 00:31:43,960 Speaker 2: real helpful. And nobody, including the agents, we had to 584 00:31:43,960 --> 00:31:45,480 Speaker 2: sit there and stare at it, so we even knew 585 00:31:45,480 --> 00:31:48,760 Speaker 2: what they were. So it's with little things like that 586 00:31:48,760 --> 00:31:51,240 Speaker 2: that caused so much confusion. And I just tell people, 587 00:31:51,280 --> 00:31:55,760 Speaker 2: don't do that. Don't settle, ask questions, get out there 588 00:31:55,840 --> 00:31:59,720 Speaker 2: and just inquire and be aggressive so that you can 589 00:31:59,760 --> 00:32:01,640 Speaker 2: be in a plan that's going to be most relevant 590 00:32:01,640 --> 00:32:04,480 Speaker 2: to the stuff that you've got going on in the future. 591 00:32:04,680 --> 00:32:06,200 Speaker 2: Winn out reach out. 592 00:32:08,960 --> 00:32:13,080 Speaker 1: Scott writes, I've been paying for Medicare through auto deposit 593 00:32:13,240 --> 00:32:16,720 Speaker 1: three month payment and I will begin receiving so security 594 00:32:16,760 --> 00:32:19,920 Speaker 1: payments beginning this month. And notice the Medicare payment will 595 00:32:19,960 --> 00:32:23,680 Speaker 1: be deducted from the gross amount. How should I handle 596 00:32:23,720 --> 00:32:27,040 Speaker 1: the ending of the auto day debit so I do 597 00:32:27,160 --> 00:32:28,160 Speaker 1: not double dip? 598 00:32:29,240 --> 00:32:31,600 Speaker 2: Man? That is that is such a great question, and 599 00:32:31,640 --> 00:32:34,080 Speaker 2: I'm going to be and I'm going to be useless 600 00:32:34,080 --> 00:32:37,000 Speaker 2: on that. What I say, what I would say is 601 00:32:37,040 --> 00:32:39,680 Speaker 2: for them, And I'm sorry that he says his named Scott. 602 00:32:39,720 --> 00:32:43,080 Speaker 2: I'm sorry, Scott. I would call Medicare and ask them 603 00:32:43,080 --> 00:32:46,160 Speaker 2: that question. Just rest assured that one thing they're really 604 00:32:46,200 --> 00:32:49,840 Speaker 2: good at is returning any overpayments. It might take them 605 00:32:49,840 --> 00:32:51,680 Speaker 2: a couple of weeks, but they will return them. What 606 00:32:51,760 --> 00:32:54,520 Speaker 2: you don't want to do is have your be Medicare 607 00:32:54,600 --> 00:32:58,480 Speaker 2: Part B lapse. But yeah, that's you're exactly right. Once 608 00:32:58,520 --> 00:33:00,960 Speaker 2: that SOI security starts within a month or two, they'll 609 00:33:00,960 --> 00:33:03,840 Speaker 2: have it deducted. The Part B print payment will come 610 00:33:03,840 --> 00:33:07,320 Speaker 2: out automatically from the Social Security But that little dovetail thing, 611 00:33:07,960 --> 00:33:10,160 Speaker 2: man's that's kind of a minefield. And I would give 612 00:33:10,160 --> 00:33:12,160 Speaker 2: them a call and do exactly what they tell you 613 00:33:12,200 --> 00:33:13,920 Speaker 2: to do, and if you overpay, they'll get it back 614 00:33:13,920 --> 00:33:14,120 Speaker 2: to you. 615 00:33:14,960 --> 00:33:21,160 Speaker 1: Catherine asks ask him about metagap versus Medicare advantage. I've 616 00:33:21,240 --> 00:33:26,320 Speaker 1: heard Medicare plus metagap is far better and cuts out 617 00:33:26,520 --> 00:33:31,440 Speaker 1: the barriers that med or rarely refused a treatment. Is 618 00:33:31,520 --> 00:33:35,480 Speaker 1: this true? I think we're up against great We are 619 00:33:36,240 --> 00:33:40,840 Speaker 1: hold with me. We'll hold Justin White over for a bit. 620 00:33:41,520 --> 00:33:46,040 Speaker 1: Their website is Senior Health Services dot com. And if 621 00:33:46,080 --> 00:33:48,760 Speaker 1: you can at any point not remember the name of 622 00:33:48,800 --> 00:33:51,080 Speaker 1: a show sponsor, or, who was that guy you were 623 00:33:51,080 --> 00:33:54,480 Speaker 1: talking to the other day about so and so, and 624 00:33:54,520 --> 00:33:58,760 Speaker 1: you email me, I will be delighted to connect you myself. 625 00:33:58,960 --> 00:34:01,960 Speaker 1: Justin gets a lot of emails from me from listeners. 626 00:34:02,200 --> 00:34:05,720 Speaker 1: Trust me, there's a pipeline of steady flow of folks 627 00:34:05,760 --> 00:34:08,839 Speaker 1: who have questions. This is scary stuff. You or your 628 00:34:08,880 --> 00:34:11,080 Speaker 1: parents are entering that age, and this is your healthcare 629 00:34:11,080 --> 00:34:11,680 Speaker 1: and it matters.