Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:04):
Memphis probably presents the Ben Johnson Show.
Speaker 2 (00:08):
Let me hear you say, Beth, I've.
Speaker 3 (00:11):
I've got stop me fist.
Speaker 4 (00:18):
Let make you say.
Speaker 3 (00:21):
She's gone hemphistogat.
Speaker 5 (00:29):
No matter of the problem she can have so all
the phone and the norms of mind.
Speaker 4 (00:38):
She was there, Jimmy ring in the hair by challing
you to.
Speaker 2 (00:44):
Just keep the fair.
Speaker 4 (00:48):
When Arindle bigging out mis Johnson Show.
Speaker 6 (00:52):
Because we've got out gay happy, you can hear every
day w d.
Speaker 4 (01:00):
I am my Bell, got me a missed king.
Speaker 6 (01:05):
Yay, good morning, good morning, good morning, and welcome into
(01:53):
w d I A The BEB Johnson Show.
Speaker 2 (01:57):
I'm bev.
Speaker 6 (01:58):
It is indeed a play pans to have you with
us once again on this Wednesday. It's Humpday, August twentieth,
twenty twenty five. Enjoyed this fabulous day to day. Get
ready to put your ears on, Yeah, put them on
so you can hear and listen. We'll start off our
(02:19):
first hour with the CEO of the Benefits Solutions Group,
Laurie Swanegan will be in to help you out with
that red, white and blue card. Yeah, you need to
have those benefits. We'll be talking with her first hour.
Second hour, we'll talk with Tennessee State Representative Justin J.
(02:42):
Pearson will be in to give us an update on
what's going on in and around our city.
Speaker 2 (02:50):
When it's your turn to talk. When it's your turn
to talk.
Speaker 6 (02:55):
Nine zero one five three five nine three four to
two eight one hundred five zero three nine three four
two eight three three five three five nine three four
two will get you in to us.
Speaker 4 (03:18):
And if.
Speaker 2 (03:21):
This day, this.
Speaker 6 (03:27):
This day, Wednesday, August twentieth, twenty twenty five, is your birthday.
Speaker 2 (03:37):
Happy birthday to each and every.
Speaker 6 (03:39):
One of y'all out there who may be celebrating a
birthday to day like my daughter.
Speaker 2 (03:46):
Yes, she's like my daughter. Let me say Happy birthday
to my girl, Ashley Robinson.
Speaker 4 (03:53):
Wis up?
Speaker 2 (03:54):
Ashley? Happy fortieth?
Speaker 6 (03:57):
What I cannot believe Ashley, Happy birthday, Ashley Robinson.
Speaker 2 (04:04):
I remember when she came to us as an.
Speaker 6 (04:05):
Intern right after college, but nineteen eighteen, no twenty somewhere.
Speaker 2 (04:12):
Happy birthday Ashley.
Speaker 6 (04:14):
From your loving mother Emma, your sister, shown, your brother,
my keyt Ronnie Robinson Jr.
Speaker 2 (04:25):
Your son Harker t. And your niece, your nephew, all
who love you.
Speaker 6 (04:29):
Ashley Robinson. Happy birthday, Ashley. Go out, sister and celebrate
your life.
Speaker 2 (04:38):
You better, you better.
Speaker 6 (04:42):
When we come back, we'll talk with Laurie swan again
of the Benefits Solutions Group with me Bev Johnson on
the Bev Johnson Show on w d i A.
Speaker 2 (05:15):
I'm telling you to just keep around loving show.
Speaker 6 (05:32):
Good morning, welcome back to w d i A the
Heart and Soul of Memphis. She is here, the c
e O of the Benefit Solutions Group, mis Lorie Swanagan.
Speaker 2 (05:45):
Good morning, Laurie.
Speaker 7 (05:46):
How are you.
Speaker 2 (05:47):
I'm glad you made it safe. Good morning, Beb.
Speaker 4 (05:49):
I'm so glad to be here today. It's gonna be
a great day.
Speaker 2 (05:53):
It is a great day.
Speaker 6 (05:54):
And before we get started we say thank you, thank you,
thank you, because we will have the Benefits Solutions Stage
in November when we celebrate seventy seven years of wd
iaiur big anniversary at the ren Events Renaissance Convention Center.
Speaker 2 (06:15):
Regular.
Speaker 4 (06:16):
Yeah, you're very welcome, Bev.
Speaker 8 (06:17):
Listen.
Speaker 4 (06:18):
We want to be a part of this community. We love, iHeart.
Everything that you're doing here is great for the Benefit
Solutions Group. We get to chat with our seniors, So Bev,
thank you for having me on.
Speaker 6 (06:31):
Well, you are so welcome as always as we talk
for our new listeners who may be chiming in on
us today when we hear the Benefits Solutions Group, Lorie,
y'all are all about.
Speaker 4 (06:42):
What we are all about helping our singers. So our
priority is our senior citizens. BEV. So we do life
and hell we are life and health producers. We're brokers,
so we broke it from most of the major carriers.
The United's the signas of the world the human so
we right for the carriers. We get you in a
(07:03):
position that you're able to meet your needs when it
comes to your healthcare.
Speaker 2 (07:08):
BEB.
Speaker 4 (07:09):
We like to take care of our babies. Everyone knows
my story about my mom and so nobody. I don't
want any of our seniors to ever have to go
through that with their parents, as well as individuals like
myself who would be taking care of your parents. You
know this is some good information for you as well,
so you know we're brokers. We're located BEV at twenty
(07:31):
seven point fifty Colony Park Drive. We're here off of
American Way, and Bab, I'm gonna can I throw the
number out there already?
Speaker 2 (07:38):
Go sister, let's do it.
Speaker 4 (07:41):
It's nine zero one three. I'm sorry, nine zero one
four five three six three four six. But now that
number is under construction. Beb because we are expanding what
we're expanding our calls. Yeah, we're expanding our call lines
to be able to take more. And so I want
(08:01):
to throw a special number out there today. It's nine
zero one five six five zero zero five six. Again
it's nine zero one five six five zero zero five six.
Now that's a really special number. Bell. So for those
of you who will be calling today or want some
special attention, call that number. It's nine o one five
(08:24):
six five zero zero five six and bear Please if
you all are in the area, stop by. But even
for my singers, if you can come in person, it
would be great. Come on in a office, yes, and
take care of your business. Even with social security nowadays,
you can't walk right in that office, but you can
walk right in the Benefits of Lucia's Group at twenty
(08:47):
seven to fifty Colony Park Drives so that we can
see you face to face, look at what you have,
the letters that they have sent out, because now listen,
they've started, y'all, they started sending a lot of information
out to our singer. Some of our singers are not
able to read the information, and even if they're able
to read it, they can't understand it. As a matter
(09:09):
of fact, if you're not in the industry of yourself,
it's gonna be difficult to decipher what they're really needing
from you. So, Bob, I'm here, I'm glad to be
here today, and I'm ready to rock and roll.
Speaker 2 (09:23):
Well that's rock and roll. So say, let's rock and roll.
Speaker 6 (09:26):
And as we always say, matter of fact, I saw
a lady over the weekend, Lauria, and she said, came
up to me and I fell out let me.
Speaker 2 (09:34):
She says, I just got my red, white and blue card.
I need to do something. Do I need sit with me?
Speaker 6 (09:39):
You know what I'm gonna say, Ma, Well talk to Laurie,
I said. Well, matter of fact, I said, Well, Laurie
will be on this week and if you listen, she
can tell you. She said, but I just got my red,
white and blue card and I don't know what to do.
Speaker 4 (09:53):
Wow, call call Laurie.
Speaker 3 (09:57):
Don't call to TV.
Speaker 6 (10:00):
Even though you see Laurie on the TV, you call
that number. But you all know what Lauri say. Don't
call those other folks.
Speaker 4 (10:07):
That's right, don't call that TV. You'll never get to
speak to that person again. Trust your local agents, bsg
IS local agents everywhere. So we're in twenty eight states.
Now we add in an additional state, all the way
up to New York. We have some faithful Chicago listeners,
(10:27):
Florida listeners, Georgia, Louisiana, Texas listeners. So I want you
to do me a favor. If you are under the
sound of my voice, you need to call the Benefits
of Lutions Group. I'm gonna throw the number out again
so you can get your paper, get your pencil. We'll
do it quite a bit of this broadcast because hey,
y'all know what's coming up. It's the annual enrollment period.
(10:50):
It is almost here, really, and of course, with the
big beautiful bill BEV that has already happened to us,
there are so many changes, so many changes that's going
to impact not just their seniors, but a whole lot
of folks. Be of three hundred and ten thousand individuals
(11:13):
in the state of Tennessee alone will be losing Medicaid.
And you know that is a significant percentage of individuals
to begin with. But then the seniors are counted in
that number. So the number is three hundred and ten thousand.
So you're going to be receiving a white envelope and
(11:35):
it looks like a done beal, like a just the
regular you know advertisement, it's not. You need to start
looking in your mail, even if it's questionable, open your mail.
Because the folks that are fortunate enough to remain on Medicaid,
you're going to have to do those renewals. They're going
(11:56):
to be, you know, sending those envelopes out quite frequently
because I guess they're aiming for you to miss one
and then you will not be on Medicaid. So we
have got to get the information out there so that
you can make the right decision with your health care,
because if you lose Medicaid BEV, then we have to
put you in a different plan also also BEV through
(12:20):
this big beautiful bill. Some plans are not even on
the market anymore. What So you're a senior and you're
there saying, I'm fine with what I have, and I
asked the question how long have you had it? And
you say five years, ma'am, And sir, that plan may
not even exist anymore. We had a sweet lady to
(12:42):
walk up to the table when we were at the
conference in Alabama and she had not had this plan
for two years and didn't even realize it. But what
she did realize, BEB, is that she had twelve thousand
dollars in medical bills and didn't understand why. And I
(13:04):
guess she just never called in to check it. But
so what we want to do is get ahead of
that because a lot of people, BEV will ask me
if they're able to retro it. They don't retro payments.
So we got to be on top of it. We
gotta get ahead of it. Shouts out to my church,
(13:26):
New Life in Christ pastor Kevin Linda Willis, But they
had me allow me to come in and speak with
our audience. And I was on the phone with one
of our clients just last night and she said the
same thing, like, you know, my brother has been taking
off of part B. What do we do? So there
are so many things, BEV, that we're going to be
(13:47):
able to offer to our seniors with just a simple conversation. Okay,
And so the number the reason I gave it out
so much is because it's time. It is time for
you to get that phone riading. Call us today. We
are waiting on your call five sixty five zero zero
five six, get that phone ringing.
Speaker 6 (14:07):
And so with this new, big, beautiful bill, because you
know a lot of people haven't read it and reading
and we don't know what's in it.
Speaker 2 (14:15):
So you're saying, Laurie, there are gonna be a lot
of changes to medical.
Speaker 4 (14:19):
Care, medicaid, and it's going to impact medicare. Okay, one
of the things with Medicaid, and I'll take it this one. Okay,
if you are ages eighteen to sixty four, you are
going to be required to work twenty hours a week.
That's eighty hours a month. Notice, my age range went
all the way up to sixty four years old. Eighteen
(14:43):
to sixty four, sixty four years old, you're gonna have
to work eighty hours a month if you are on
if you're gonna continue to be on medicaid. Wow, Yes,
get out of here. Oh bill, bad bill. The more
I read it, the more I review it. There are
(15:03):
hundreds of pages to this bill. So trying to understand
this bill on your own is a mistake. You're going
to have to get with the expert. That's Laurie. That
is you know, I'm not even trusting anyone else to
decide for the information, to exegut the information because I
(15:24):
didn't see them at the conferences bill. So there are
conferences for us as agents, as brokers, as fmos that
give you know, they will define the language in the bills.
They'll give us a heads up and they're going to
give us some additional information as to how we can help,
how we can be a resource for our community. I
(15:45):
didn't see many of us there, So trust Laurie and
her team. So I've got a team of almost you know,
over two hundred agents at this point. So we can
help you anywhere, and we will help you in the library,
will help you at Starbucks. We will come to your home,
you know, we will come to the office. We will
(16:06):
help you anywhere we can. Because the date is coming
up and it is October the fifteenth, that's open enrolled
next the annual enrollment period period. Okay, so we need
our seniors in the mid South. Don't trust anybody. I
don't care how they look, what persuasion they Oh, don't
(16:27):
trust anyone walking up to your front door. Don't trust them.
Speaker 2 (16:33):
So as the lady who who I talk to Sunday.
I'm not gonna name.
Speaker 6 (16:39):
But so since she has her card, that means in
October she needs to enroll, she'll have to annual enrollment period.
Speaker 4 (16:49):
No, so she has a special election period. Bell she
needs to call now. So she needs to call now,
because you get it when you first get your Medicare card. Okay,
you get a specific times. You get three months before
your birthday. Okay, you get the day the month of
your birthday, and then you get three months after. So
you get seven total months to make a decision as
(17:10):
to what plan you're going to be a part of
before the penalty kicks in. Uh huh. So if she's
gotten that new card, we need to hear from her asap.
Speaker 2 (17:19):
Okay, so she needs to call your office or come
into the office.
Speaker 4 (17:22):
Yes, yes, absolutely, as soon as possible.
Speaker 6 (17:26):
Because there will be things that you or your agents
will tell her that this is what this is the
carryer is, this is what you'll have to do.
Speaker 2 (17:36):
She'll have to know that because she she'll need to
get some insurance.
Speaker 4 (17:39):
Absolutely, she's gonna have to get it or she'll be
responsible for the twenty percent out of pocket. And that's
pretty tough thinking about a hospital bill, thinking about going
into a provider's office or a specialist, or how about
needing some outpatient surgery or rehabilitation services. Everyone knows you
(18:00):
know that that can be very, very costly, and so
if we can get ahead of it, give you a
quick education about what you're carrying in your wallet. A
lot of people bab as much as we have said
it on the radio, they're still kind of confused and
Medicare is it's a huge undertaking, okay, and so for
you to understand it and not be an agent. That's
(18:22):
exactly why I'm compelled to be on this Bell show
every single month because with the changes that are coming
out daily monthly, you know, if somebody has to be
the voice for our community, and it's the Benefit Solutions
Group Bell with Laurie's want to get heading it up.
So you know, I'm just excited again be have to
(18:44):
be here to talk about what those changes look like.
Speaker 6 (18:46):
Okay, and so Laurie getting that Medicaid card, that red,
white and blue card. They are different, as you have
told our listeners and even for our first time listeners
day there's there's a part A B.
Speaker 4 (19:02):
C D Yes, ABC and D so bad. If we
started a Part A, you know, and I can go
through it quickly because we've done it so many times.
But Part A sixteen hundred and sixty seven dollars deductible.
That's a deductible. So let's define deductible. A deductible is
what you're going to pay out of your pocket. That's
(19:24):
what you're responsible for. And that's Part A alone. So
in order for you to keep to maintain, well, not
to maintain Part A, because you get Part eight if
you have what forty quarters? Yeah, that's how your A
comes man, Because we have been running across a lot
of seniors who don't have Part A.
Speaker 2 (19:42):
Okay, and they don't understand.
Speaker 4 (19:44):
They said, you know, well I turned sixty five and
you know, I'm just expecting my Part A to make it. No, No,
doesn't work like that. Part A is because you worked
forty quarters or ten years.
Speaker 2 (19:59):
Okay, get Part B.
Speaker 4 (20:01):
So now Part A has the sixteen hundred that you're
going to be responsible for. Part B has its own
deductible of over two hundred and forty dollars, so you're
already looking at nearly nineteen hundred dollars if you just
keep traditional Medicare. So a lot of physicians are now
saying you are fine with just keeping traditional Medicare. And
(20:24):
when we say traditional Medicare, it's just that red, white
and blue cart. Well, let me tell you, ma'am and sir,
let me trying to mike.
Speaker 2 (20:32):
Up a little bit, turn it out up so they
can hear you.
Speaker 4 (20:35):
You're in trouble if you decide to just keep Medicare's
Part A and B. Well, let me take that back.
You're not in trouble because if you have a stack
of money laying around, you're good. So, but for many
of us, we're challenged with, you know, just taking care
(20:56):
of the prescription drug costs. So if you just have
traditional Medicare, that means you're going to be responsible for
twenty percent of all of your health care. Now, even
if you're healthy right now, that can become a challenge
as you age. So not only are you going to
(21:17):
be responsible for all of your health care twenty percent,
you're going to be responsible for the Part B premium.
The Part B premium as we speak is one hundred
and eighty five dollars. However, that Part B premium is
going up in January to over two hundred dollars. So
(21:39):
not only are you going to be responsible for the
sixteen sixty seven for your Part eight, you're going to
be responsible for the two forty plus for your Part B.
You're going to be responsible for the Part B premium
of one hundred and eighty five dollars that's going up
to over two hundred dollars in January. And man, you're
(22:00):
going to be responsible for a prescription drug plan. Now,
the prescription drug plan is probably going to run you
anywhere between thirty to fifty tow one hundred dollars per
prescription drug plan. You're also going to have deductibles on
your prescription drug plan so it never stops. So that's
(22:20):
the person who says, I'm fine with where I am.
I just want to keep traditional medicare. So if you
have the funds, the finances, the resources to underwrite all
of the things that I just listed, you're fine. You're
not in trouble, You're just fine. You're good, you are good.
(22:42):
But if you are the person that gets nine hundred
dollars a month, six hundred dollars per month, even two
thousand dollars a month, that is taking a good chunk
of your money per month, and I know you have
to live. So that's where the Medicare the supplement comes in,
or the Medicare advantage plan. So the man's up BEB.
(23:05):
So we have to get something that takes care of
the twenty percent. And so your Part B not only
does it have the premium the deductible, but it covers
it's the thing Bell that covers eighty percent of your healthcare.
Because a lot of singers will ask, if I worked
(23:25):
all these years, Bell, why why do I have to
pay that party print? Right, it's because it takes care
of eighty percent. So you go in the hospital, you
get a hospital bill of one hundred thousand dollars. Yet
what's paying the eighty thousand dollars Your Part B. So
(23:46):
that's why you have to pay a little bit of
a premium. And I know it seems like a big deal,
and it is, it really is. But it's the amount
that the federal government deems necessary to be able to
cover all of the eighty thousand dollar bills. And that's
just an example. So the Part B premium is necessary.
(24:08):
Now you can't have a Medicare supplement or a Medicare
advantage plan if you don't have Part B. So a
lot of people want a Medicare Advantage plan, but they
don't want to have Part B. So in order to
have those things, you have to have parts A and
B and then you can call Lord Re to get
(24:32):
your C and D. Okay, LORI is your C and D.
So your C is the Medicare supplement or the Medicare
advantage plan that jumps in there and takes care of
the twenty percent plus copex. The D is your prescription
drug plan. Well, with a Medicare advantage plan, it includes
(24:53):
your prescription drug plan. Now, if you're the individual that
says I want to make care supplement, then you're the
person that's going to have to pay additionally for your
prescription drug plan. But if you can afford it, that's fine.
So a meds up you're gonna pay every single month.
(25:13):
You're gonna have a premium. You're gonna have to pay
for your prescription drug plan. You're gonna have to pay
for your the one to eighty five, which is your
Part B premium. So those are your costs with your
Medicare supplement. But many people will say, I'm gonna do
a supplement because I want to go where I want
to go when I want to go there. Well, that's
(25:36):
not altogether true, because the doctor has the right BEV
to say I don't want to take it. You can
walk in there with anybody's supplement and he has the
right to refuse. So's it still doesn't mean, BEV that
you can go anywhere you want to go with a
Medicare supplement. What it does mean, now, I'll give it this.
(25:57):
What it does mean that if you go to the hospital,
they're not going to ask you for one additional dime.
If you go in a rehabilitation center, not one extra dime.
If they accept it, your med tub covers it. You
won't pay because bell you've been paying every single month,
whether you've been sick or not. So if you if
(26:18):
your premium is two hundred dollars, then you can look
at paying twenty four hundred dollars a year, regardless of
being sick or going to the doctor or any of it. Also,
you're gonna look at paying for the party premium that's
the one eighty five, and you're gonna look at the
prescription drug plan every month. So the mad sub comes
(26:38):
with a few additional costs. But you know, for those
of you who says, you know, I don't want to
pay when I go into the hospital, it's it's a
great option for you if you have a Medicare advantage plan.
And I'll end it with this bell. If you have
a Medicare advantage plan, if you don't use it, you
don't have you don't have to pay for the premium
(26:59):
every month. So I'll leave it there. We'll take a break.
Speaker 2 (27:02):
Okay, we'll go to our phone line. Okay, to talk
to one of our listeners. Thank you for waiting. W
D I a Hi caller. Hi, I'm doing well, Black
Conservative in you.
Speaker 5 (27:16):
I'm done good. I'm being good today. Okay, I'll be
good dad. All right. So uh let's uh, let's break
this down about the work require because you're and hello
to your guests.
Speaker 4 (27:29):
How you I am well, thanks for calling you, and
let's let's get into it.
Speaker 5 (27:34):
Uh, because you aren't scared of these folks. You scared
of these people half to death with all these big
big terminogis. So let me breaking down. Uh help, I'm
gonna help you out a little bit. I'll leave your
side picked Black Conservative.
Speaker 4 (27:46):
One question, are you an insurance agent.
Speaker 5 (27:49):
I used to be insuran's agent about ten years.
Speaker 4 (27:53):
Okay, okay, well you know things have changed, so I'm
here with you. Let's do it.
Speaker 5 (27:56):
Yeah, yeah, I did. I used to. I used to
do all the country medicaid, Medicaid advantage, everything you're talking about.
But anyway, we're seeing your solution. But let me say
this here the work requirement. You know, the state's going
to have to implement that, but they're going to give
them enough time to you know, meet protocol make their changes.
(28:20):
The deadline is twenty twenty seven, so they got enough
time for people who are able. By the individuals eighteen
to sixty five, most of them are already working, so
that's really not pretty much of a threat to their
medicative medicare. But basically eighteen twenty five they have to
(28:41):
twenty twenty seven for the deadline to implement those changes
for zero twenty hours. And they can do volunteer work too,
as well as work to men, but they're going to
have to do at least you're right, they're going to
have to do at least twenty hours of time exactly under.
Speaker 4 (28:59):
You're exactly right.
Speaker 5 (29:02):
Yeah, but it only applied to able body does working
individuals who don't have no who have no impending, uh
threatening medical condition. It doesn't deal with those who were dependent,
you know, but individual without uh dependent. But what's going
(29:23):
to happen is when when that happens you you're gonna
say medicare spending by according to the CBO, about three
hundred and three hundred and twenty six billion dollars over
the next ten years. So you've got to be able
to purge this Medicare role for individuals who are receiving
(29:45):
medicaid Medicare who don't meet the requirement. So I understand that.
I don't think that's a threat. And then you said
one more thing for as uh prinsic questions. I can't
recall exactly what that she said, but but you yeah,
So I just want to emphasize that if you concerned
about working those twenty hours or whatever the case, the
(30:08):
state and the state is required to verify it every
six months or are they going to enforce that? I
doubt it, so I would even be I fear for
about that they're not going to enforce it, you.
Speaker 7 (30:20):
Know, but they do.
Speaker 4 (30:22):
I love having these conversations. Let me let me just
stop you just one second the reason, the reason, the
reason that it's such an issue at this point because
they haven't been enforcing it, and it is one thousand
percent going to be enforced. Our standing president has enforced
every single thing that he stated he has done, because
(30:43):
just think about what's going on now in our country.
He has enforced it to the point of going in
schools and removing children. But you know what, I would
love to have this conversation with you missed the conservative
at another another time.
Speaker 5 (30:59):
Oh pump to blaze when ain't moved here out of school?
Speaker 4 (31:03):
Well that's a whole nother conversation because.
Speaker 5 (31:06):
You haven't made that one up.
Speaker 2 (31:10):
I did.
Speaker 5 (31:10):
We deal with that later. But let me just let
me say this there real quick. Bell then I'm gonna
go say this. Then I'm gonna go. But uh, but
you know they do have six so you work twenty
hours a week, eighty hours, they're gonna verify airy six
months up on renewal or whatever the case are a
new applicant. I would be hard pressed if they, uh
(31:35):
really really enforced that. But you know that the states also,
if you look at the bill, the States really have
a lots of uh leadway on that too. They can
add more you know, uh pressure or they can you know,
it's not really cut in dry at the scene, but
but just think about it. Over the next ten years,
(31:57):
with the work requirement they're asked, they're gonna produce the
federal medicaid spending by three hundred and twenty six billion
dollars and according to the CBO, that's going to decrease
the federal revenue by eight point six five billion over
the next decade. That means people who do need those resources, uh,
(32:19):
the taxpayer benefits are going to be able to get it.
There is a lot of illegals on Medicare and Medicaid
that need to be off of Medicaid because they're draining
the resources from Americans who do need those resources. So
it's got to be cleaned up at some point, right.
Speaker 2 (32:37):
Thank you Conservatives.
Speaker 5 (32:40):
I prove this message and I get back with you
on them tiers.
Speaker 4 (32:43):
I love for you to get back with me because
I love people like you that got to know more
than me. That's been the every conferences.
Speaker 2 (32:53):
Black Yeah, oh boy.
Speaker 6 (32:56):
We are talking with the CEO of the Benefits Solutions Group,
Loye Swanakan is here. If you have a question or
two for Lauri nine zero one five three five nine
three four two eight hundred five zero three nine three
four two eight three three five three five nine three
four two will get you in to us.
Speaker 2 (33:16):
You're listening to double.
Speaker 7 (33:19):
D I A got something to say?
Speaker 5 (33:23):
Say it next with Tennessee Radio Hall of Famer BEV
Johnson on do W D.
Speaker 4 (33:29):
I A The Bev J just.
Speaker 2 (33:53):
No over the cow working hard to.
Speaker 5 (33:58):
Bring you out there.
Speaker 2 (34:21):
Welcome back.
Speaker 6 (34:22):
We're talking with the CEO of the Benefits Solutions Group,
Lorie Swan Again.
Speaker 2 (34:26):
Laurie, back to our phone lines to talk to our listeners. Hi, Anthony, Yes, ma'am.
Speaker 9 (34:32):
How you guys doing.
Speaker 2 (34:34):
We're doing well today. How are you, Anthony?
Speaker 9 (34:37):
I'm doing pretty good, tools pretty good. Listen. I am
a retiree. I retired in twenty twenty one. I'm coming
up to sixty five for Medicare A and B. I
still have my employers insurance. I was able to take
(35:00):
that into retirement, Okay, which is Blue Cross. Don't mind
telling you standard. I'm trying to see do I need
Part B or not? And stay down in the future
that I need Part B, will I be penalized or not?
Speaker 4 (35:22):
That's a good question. No, if you have credible coverage,
meaning coverage from your employer, then you will not need
to have a part B right now. It's only when
you don't have credible coverage, which is something that covers.
Speaker 9 (35:37):
The okay, and will that answer my questions?
Speaker 2 (35:45):
Yeah?
Speaker 9 (35:45):
So, And like I say, in the future, I shouldn't
have a problem worry about being title penalized if my
employer insurance decides to cancel.
Speaker 7 (35:55):
No.
Speaker 4 (35:55):
No, if your employee if the other insurance canceled, now
you will you definitely will need it. But for now,
if you continue to keep your employ your coverage, you
will not need it.
Speaker 9 (36:08):
All right, Thank you so much, thank.
Speaker 7 (36:10):
You, thank you.
Speaker 2 (36:11):
Anthony W. D. I a Shorty mac.
Speaker 4 (36:16):
Hey.
Speaker 7 (36:16):
How you doing?
Speaker 2 (36:17):
Bell doing well? Shorty mac?
Speaker 7 (36:19):
And you all right? How you doing?
Speaker 4 (36:21):
Miss Swine Hey, I am well, Thanks for calling, Thanks.
Speaker 8 (36:26):
Thanks for the doing and gloom.
Speaker 10 (36:27):
I know when you come on the toe Folko to
high new persons and pocketbook, I say that it made
me think about when my grandmother was living, and I love.
Speaker 8 (36:39):
And rest her soul, she was already afraid of the
hospital bed and Miss swine she she associated being going
to the hospital with death, and that's exactly what happened.
When she got shiit in of the hospital. She was
gone a few days later. I'm just staying on the
doom and gloom pod, which was you represent what healthcare company?
Speaker 4 (37:04):
All of them. I'm a broker, so I represent singers.
I represent singers. That's what I represent. Let me and
let me, let me interject really quickly, so it's not
doom and gloom, and let me tell you about our
African American community. We wait until it's too late and
then and I've got to say this because you're the
second caller that has done that. We wait until it's
(37:26):
too late and then we lose everything. So you should
you should rather have the information on the front end
than us on the back end of everything. So this
way you can prepare yourself. I'm stating facts. This is
not you know, I'm not giving you personal examples of
you know, I went through the line and they took this. No,
(37:47):
these are facts. The big beautiful bill is going to
impact our seniors and they need to be prepared for it.
When you get the stuff and the mail, you need
to look at it. So it's not so much to
do and gloom as it is. The information that you
need to be preparing yourself for.
Speaker 8 (38:05):
I mean a lot of people listen, and I'm pretty
sure all your information is done incredible. It's just that
sometimes I hear you when you come on home. It
sounded like somebody got to have four or five thousand
dollars laying around the house to pay for a premium
something of that nature. Like you said, you get past
(38:26):
a certain age and you don't pay into this Medicaire thing,
they charge you a penny. They're correct.
Speaker 4 (38:31):
Well, but here's the thing. So that is exactly why
I list the amounts and then tell you that the
premium you must have missed this part. The premium for
most plans is zero. The premium for most Medicare Vantage
plans zero. It's only you, sir, or any other individual
(38:53):
who would decide not to get a plan. So I'm
trying to keep you from having to pay four thousand
dollars of having the money laying around, which is what
I just said was unless you have the money laying around,
you need to get a plan. So I'm trying to
keep you from spending money versus sounds like you got
(39:16):
to have four or five thousand dollars.
Speaker 9 (39:19):
Okay, okay, but seeing my situation is just set up.
Speaker 8 (39:22):
And then you said something about Trump, you know, I
know he had made Then what were you saying that
he's making things worse on that?
Speaker 7 (39:28):
Well, he was.
Speaker 6 (39:29):
She was talking about the big beautiful bill. You've heard
about that, shorty, Matt, have you? She was talking about
what's in there. Yeah, some of the things that.
Speaker 8 (39:40):
Bell Johnson is really the worst beautiful bill right, Well.
Speaker 2 (39:44):
It probably is, but.
Speaker 4 (39:48):
It's a bill that's impacting our community, and we need
to be ready for it. We need to be poised
and ready. And the thing that I'm concerned about is
our senior citizens. And so if it scares you, then
so be it. Get yourselves ready for what's to come. Meaning,
get the information, make the phone call, call people, ask questions.
(40:10):
Don't just sit there and let this thing take you
out of here. So I'm fearful that it will take
our seniors out of here. So if we don't give
the information out, then where are we going to be?
Speaker 11 (40:23):
Well, I'm gonna close in this, and I enjoyge information today,
but I'm gonna close in this. It seems like it's
gonna take thousands and thousands of dollars just to stay
alive on this earth.
Speaker 8 (40:35):
And if you you say all the time, if you
don't have the money, you know where you're gonna end
up at.
Speaker 7 (40:41):
But uh, what can I say?
Speaker 8 (40:46):
It's just still all doing and gloom to me.
Speaker 11 (40:48):
Our doctors are not doctors are not as dependable like
they used to.
Speaker 6 (40:54):
Uh yeah, and you write and and and certain as
as Laurie said, earl, your shorty Mac, a lot of
doctors are now not taking a lot of this healthcare
insurance because when I go to my position of what
I have, then that when I get to the office,
she says we don't take that anymore, so then I
have to pay out my pocket So it it is
(41:16):
doom and gloom, shorty.
Speaker 5 (41:19):
All right.
Speaker 7 (41:21):
This morning, y'all just have a great day, right, Yes,
we will hospital no time soon.
Speaker 2 (41:31):
You got that right, brother, Be safe out there, shorty Mac.
Speaker 7 (41:34):
Yeah.
Speaker 6 (41:35):
Yeah, I have my insurance. And when I go to
my position now my primary care the last time I
was there lord and the administration says we don't take
this anymore.
Speaker 7 (41:47):
Oh wow.
Speaker 6 (41:48):
And I had to pay out my pocket wow because
they didn't take my insurance.
Speaker 2 (41:56):
So you are absolutely correct.
Speaker 4 (41:59):
Yeah, bab, but that's and I love this, this fadder,
I love this this information of this conversation, and this
is going back and forth because the people need to
hear it. So here's my thing, beb and I really
really feel so passionate about our community. We don't like
to discuss deaths, so you don't want to talk about
a final expense policy. But when you leave the earth,
(42:21):
now we have the burden of taking care of you.
But that's do No, you really have to put a
different lens inside of all of this and say, hey,
Laurie is our resource. So if she's on the bed show,
she's not going to rip you off. Make the phone call.
So people will say, you know, we just need to pray.
You know, the election changed a lot of lives because
(42:46):
we got a lot of people just sitting back, you
know and saying, you know, just general conversation, we just
need to pray.
Speaker 5 (42:53):
Lord.
Speaker 4 (42:53):
You know, we know that God is in control of
all of this, but you know it requires some action.
Faith with our works is dead.
Speaker 6 (43:00):
Right, And I always say, make your prayers equal to
your performance. You to help God out.
Speaker 4 (43:04):
Yes, So so make the phone call. It's not just
we just need to pray.
Speaker 2 (43:08):
You need you need to make the phone call and
you need the information.
Speaker 6 (43:11):
If you don't know, we're gonna take these last calls
coming in w D I A hi caller.
Speaker 9 (43:19):
Hey how you doing?
Speaker 7 (43:20):
I'm doing well in you all right?
Speaker 2 (43:27):
Okay turn turn turn your radio down so we can
hear you. Yes, thank you.
Speaker 7 (43:33):
Yeah.
Speaker 9 (43:33):
I want to know what like for the military is uh,
that's all medicare MEDICAI veterans, right, and then with the
d A and I will bill somethings. What kind of
fact they're gonna have one was.
Speaker 2 (43:49):
Lord with the veterans.
Speaker 9 (43:51):
So so what we we have.
Speaker 4 (43:53):
We talked about VEX quite a bit because you know
they they did send the letters out saying that if
your try care for life, that the VA is no
longer your credible coverage, that you would have to have
Part B. You have to have Part B. If your
try care for life, you have to have Part B.
Then you see me and you can get a plan
(44:16):
that helps with the part BE. So we have plans
out there that will assist. So if Part B is
one eighty five, and I'm just throwing a number out,
it could be you know, it could be anything that
helps to pay the part BE pringing because the federal government.
Sir is saying that if you are try care for life,
you're going to have to part have a part be
(44:38):
a plan. Now you're not going to be able to
go I'm just gonna go to the VA and not
have Part B. You will actually receive a penalty if
you don't have Part B and have try careful life.
Those are the.
Speaker 2 (44:49):
Facts, So.
Speaker 9 (44:55):
We go with the well, like I said, so.
Speaker 6 (45:00):
So what we what we suggest in you're a veteran
that you call Laurie's office or go over there and
talk to them so they can explain it to you.
And Laurie's gonna give out that number and address where
they're located. So as a veteran, all veterans, you can
go there and she's gonna they're explain to her agents.
Speaker 2 (45:18):
They will help you out.
Speaker 4 (45:19):
Sir. Yes, So the address is twenty seven fifty Colony
Park Drive. It's off of American Way and Cherry Road,
twenty seven fifty Colony Park Drive. And the number it's
nine oh one. For today it's five six five zero
zero five.
Speaker 9 (45:36):
Six five sign zero.
Speaker 4 (45:41):
Zero five six five six' five zero zero five Six
so call them, today.
Speaker 9 (45:51):
All, right let us all.
Speaker 2 (45:57):
The Benefit Solutions.
Speaker 9 (45:58):
Group, okay.
Speaker 6 (46:06):
Thank you for.
Speaker 2 (46:07):
Listening and W D i a high?
Speaker 7 (46:10):
Caller what to?
Speaker 5 (46:12):
Do?
Speaker 7 (46:12):
Bell, Jhoneson Johnny green, jants how are You? Bell IF
i got a courser for? Lawyer okay called THE tv
by the. Way uh my course in heal to my
Friend bell if you know, you my, FRIEND i ain't
sucking up with just the. Truth uh my course in.
Here i'm sixter five and back and probably and about
(46:36):
six Months i'll be turning sixty. Six my thing, Is
i've been trying to get to get the red riding blue.
Car and the folks been running me around talking ABOUT
i need to get THE a, CAR a or. Whatever and, then, Uh,
LAURIE i put in. Work WHEN i used to work
For Memphisis, SCHOOL i got years up with the school. Sit.
(47:01):
Uh i'm like shout one. Credit BUT i can't ever
ever work again because they have no no for. Facts you,
know one of my problems car they trying to get
THAT i need that. Car they should send it to.
Speaker 6 (47:20):
You you need to call The Social Security office Little
daddy that that's who handles all.
Speaker 2 (47:25):
That they're gonna send it out to.
Speaker 7 (47:27):
You SO i need to call the serch secuity. Office right,
security they'll get. Me they'll let me get my.
Speaker 6 (47:35):
Car the you tell them that you need your, card
they'll send it to you if you qualify, Short yeah
of a.
Speaker 4 (47:43):
Quarter BUT i ain't.
Speaker 7 (47:44):
Talk about the. WORKER i ain't missed up about. That
i'm talking. About in, fact If i'm sixty five years
old and my thing IS i, do then, Uh i'm
here whatever WHEN i used to, WORK i deserve it my.
Speaker 6 (48:04):
Card, well little, daddy that's why we say you need
to call and talk to them so they can tell.
Speaker 7 (48:09):
You Don't god the serch killed.
Speaker 2 (48:12):
All, yes call the security, officer go down.
Speaker 7 (48:15):
There, okay CAN i get a couple of shots? Outs
i'm gone.
Speaker 6 (48:20):
Want two shouts, Out, lord BECAUSE i will get here
because my other guest is.
Speaker 7 (48:24):
WAITING i, know, beb BUT i just want to get
by two years of trees and things that loved a
little damn BECAUSE i know they. DO i see them
all the time and meet, them AND i wanted to put.
IT i already put it over my black eye cab.
Bill BUT i ain't got nobody to put in my
back house. Cabinet but them girls had been messing with
me on The Evening show all on in that, new
(48:46):
brand new sinkhole all the way up in new horn
and get it there and stay in. There keep them
name after my. A WHAT i, SAY i know a good?
Thing you too that you?
Speaker 2 (48:59):
KNOW i Won't you're. Won't bye. Bye look right as
we get ready to wrap, Up.
Speaker 6 (49:07):
Lourie last things you want to say to our listeners, Today, Well.
Speaker 4 (49:11):
Bev it's been a good day. MAN i like that
that energy that they have behind all of the information
that's coming. Out, Listen i'm here to educate our. Community
these are, facts you. Know It's. Bev we have got
to be. Prepared we've got to get ourselves ready for
what's to, come particularly your seniors THAT i love so.
(49:33):
Much so the good news is you have, me you
Have Lorie. Swanigan so call The Benefit Solutions group at
nine zero one. Three i'm SORRY i almost put mysel
in around. There five six five zero zero five. Six
today we are expanding our phone lines to be able
to receive more. Calls, hey if the information has impacted you,
(49:58):
today then you are the one that needs to to
make the. Call don't go to the doctor's office and
not know what's in your. Wallet we need to be
able to help. You i'm trying to help, you sir and.
Ma'am and if you have folks that you're taking care,
of by all, means get this. Information and The Big
Beautiful bill is also. Online so if you want to
(50:19):
go to see a mask which is the centers For
medicare And medicaid, services by all, means go out there
and read. It it's probably over a thousand, pages but
read it for. Yourself get the. Information you, know we
can't just sit around and talk, about you, know what's
happening and what's going to be in twenty twenty seven
because if you're not prepared, now twenty twenty seven is
(50:41):
going to slip up on, you, Right So i'm just
trying to get our community. Prepared. Bev thanks for having me.
On we have lots of good stuff that's coming, out
But i'll tell that next time because they want me out.
Speaker 7 (50:52):
Today.
Speaker 6 (50:52):
Man all, right, Well, LAURIE i just want to say
always to give them good news and say Tell misswonic
and the best THING i could have ever. Done my
wife head is hard and always have. Been i've been
hearing About Miss swanigan for a couple of years and telling.
Speaker 2 (51:06):
My wife about.
Speaker 6 (51:07):
It but as, usual she did did her thing AND
i went to The Benefit Solutions. Group now my wife
is jealous of my. PERTS i even have a spending
account THAT i buy stuff for her because she don't have.
Speaker 2 (51:19):
One thank, You Miss. Swannick that's From. George that's.
Speaker 4 (51:23):
Great thank, You.
Speaker 2 (51:24):
Ben you Welcome Lauria. Swanegan.
Speaker 6 (51:27):
Y'all y'all call that number nine zero one five six
five zero zero five six The Benefit Solutions.
Speaker 2 (51:34):
Group thank, You, laurie see you next.
Speaker 6 (51:36):
Time we are getting ready to go to the other
side of The Bev Johnson show right here on doub D.
Speaker 1 (51:45):
Ia whether you're In, Arkansas, tennessee Or mississippi On, Facebook,
twitter Or, instagram thank you for listening to The Bev
Johnson show on doub D Ia MEMPHIS Bev.
Speaker 3 (51:58):
Show ever there
Speaker 9 (52:25):
In the