Lori Swanigan

It's a Medicare Marathon Part 1 with The Benefits Solutions Group and CEO Lori Swanigan on The Bev Johnson Show on WDIA Radio.

Episode Transcript

Speaker 1 (00:09):
Memphis probably presents the BEV Johnson Show.

Speaker 2 (00:14):
You say, she's.

Speaker 3 (00:34):
No matter the problem, she can.

Speaker 2 (00:37):
Help me sol a phone and the normans on your mind.
She understand to be leading in the hair.

Speaker 4 (00:48):
I challing you to just keep the thing.

Speaker 3 (00:54):
When a rival pegging out, Miss joping joke talking in
here every day you d I ain't Myla Bell got.

Speaker 5 (01:09):
Me a missed talking gay.

Speaker 6 (01:54):
Good morning, good morning, good morning, and welcome into w
d I A the Best Johnson Show.

Speaker 2 (02:01):
It is in a deed a pleasure.

Speaker 6 (02:03):
I have you with us once again on this Monday,
December second, twenty twenty four.

Speaker 2 (02:09):
Enjoyed this fabulous day to day. Get ready as we
do a little marathon today. Yeah, we will be talking with.

Speaker 6 (02:18):
The CEO of the Benefit Solutions Group, Laurie Swan again
will be in the house to share all the metacaide benefits.

Speaker 2 (02:30):
You need to know.

Speaker 6 (02:31):
It is annual enrollment period and if you haven't enroll, hey,
you only have until December seventh. Get your request in
so when it's your turn to top you will have
questions for Laurie nine zero one, five three five nine
three four to two nine zero one five three five

(02:52):
nine three four two eight hundred five zero three nine
three four to two eight hundred five zero three nine
to three four to two eight three three five three
five nine The three four two will get you in
to us.

Speaker 2 (03:12):
And if this day, this.

Speaker 6 (03:17):
Day, Monday deeps the second, twenty twenty four is your birthday.
Happy birthday to each and every one of y'all out
there who may be celebrating a birthday on this day.
We say God, y'all go out and sell le break
your life. Yeah better, You're better. When we come back,

(03:42):
we'll talk with the CEO of the Benefits Solutions Group.
This voice won a good and me Bev Johnson on
the Bev Johnson Show only on Double You Da.

Speaker 3 (04:01):
S.

Speaker 6 (05:05):
Welcome back to w d i A The Rev Johnson Show.
It is a Monday, December sacond and twenty twenty four.
Enjoyed this fabulous day to day. As I said earlier,
back in the house, as we do a marathon for
the Benefits Solutions Group to help you understand your benefits
because the last day to sign up and to change

(05:29):
is coming up December.

Speaker 2 (05:31):
Second, seventh.

Speaker 6 (05:32):
And back in the house with me is the CEO
of the Benefits Solutions Group, Laurie Swannegan in the house.

Speaker 2 (05:41):
Was up just stay bell.

Speaker 5 (05:43):
Hey there, Look, I'm just excited to be here this morning.

Speaker 6 (05:47):
Thank you for having me. Hey, y'all, it's ay, it's
time to stretch. It's time to stiry. Before we stretch,
let me say, look at here. We talked about you.
I told I told my listeners we talked to about you.

Speaker 2 (06:01):
That y'all.

Speaker 6 (06:02):
Y'all remember when I said, you know, when Laurie was
supposed to be here, and uh, we talked about her.

Speaker 2 (06:11):
We talked about Lord, she was up at the White House.
Yet the turkeys? What the turkeys?

Speaker 1 (06:20):
Laurie?

Speaker 6 (06:23):
And then Laurie sent me the video. I said, no,
Laurie would at no White House. She just didn't want
to come in. No, but no, she did sit me
the video and I saw. I fell out Laurie before
we talked. How was did you get a chance to
meet the president?

Speaker 5 (06:37):
We were on the second row. I shot my sister
actually talked with him.

Speaker 2 (06:41):
Oh good.

Speaker 5 (06:42):
It was just a blessing to be there. Yeah, a
bucket list item.

Speaker 2 (06:45):
Oh yeah.

Speaker 5 (06:46):
I represented Benefit Solutions Group on the lawn of the
White House.

Speaker 2 (06:49):
I know you did it as a pardon of the turkeys.
There was some beautiful turkeys. Beautiful turkeys.

Speaker 6 (06:55):
But congratulations, well you know what, that's nice, you know,
and and at least you got to, you know, see
the president before.

Speaker 5 (07:02):
His term transition.

Speaker 7 (07:04):
Yes, yeah, and he actually said in the speech, this
will be my last speech of the Ponium. So we
were just you know, just delayed to have an opportunity
to be there. They didn't even have a lot of
people there.

Speaker 6 (07:15):
Yeah, yeah, oh good, Well I'm glad. All right, Well,
Laurie you said we are down to the ropes. It
is the AEP, the annual enrollment periods. You guys, I
know you have been seeing a lot of the advertisements
on television telling you what to enroll if you haven't

(07:37):
signed up. And as Laurie when she was here last
month and Laurie told us there are some changes happening.
And Laurie, this morning I had heard a young man
talk about he said there are changes going on.

Speaker 8 (07:54):
Yeah.

Speaker 6 (07:55):
Yeah, So let's kind of start with basics with our
listeners who listen, listen you all. The first thing that
Lourie always says is what is it bell? Don't call
the DV call Lord reed. If you have the red,
white and blue card, listen, y'all. If you have that red,

(08:18):
white and blue card that is very important.

Speaker 5 (08:21):
Yes, yes it is, BEV. It's everything.

Speaker 7 (08:25):
The Part A is what you work for the only
way that you have Part A is if you've worked
forty quarters when you get sixty five. A lot of
people think I'm just gonna automatically get this thing. No,
you have to put in some hours.

Speaker 5 (08:39):
Forty quarters is actually ten years of labor. So listen.

Speaker 7 (08:44):
No one can take Part A away from you, not
a plan, not anyone, not me, not Joe Biden, not anybody.

Speaker 5 (08:51):
Okay, nobody can take a plan from you. That Part
B is something that you pay for.

Speaker 7 (08:56):
They'll give you an opportunity to turn it down and
then they will penalize you for not having Part B.

Speaker 5 (09:04):
Parts C and D is lo so Bell, that's a
quick recap of parts A, B, C and D, and
that brings us up to our AEP.

Speaker 7 (09:15):
This enrollment season has gone so fast, bab, I feel
like we were just here doing this right and now
here we go again. But I want to say this
to you, and I have to make sure that you
have your pen and paper today because you're gonna need
this information in order to pick up your prescription drugs
at the top of the year.

Speaker 5 (09:36):
So beb You always ask me who we are?

Speaker 6 (09:38):
Yes, and I do, and I'm glad you. Hey, I
don't have to ask you, Just Laurie tell our listeners.
And I love you doing this because every time, Laurie,
we do have new listeners who may listen there and
say who's that.

Speaker 5 (09:53):
So I am Lorie Swanigan, and I own an insurance firm.
So we have a bunch of local brokers.

Speaker 7 (10:01):
And then when I say brokers, I mean we write
for several different plans on the markets. The United Healthcare
is the Signals, the Blue Cross, Blue Shields of the world,
the elevances. We write for all of the plans, or
most of the major plans on the market. Let me
train that Humana. And so what we do is we
sit down with you as a client, as a customer, and.

Speaker 5 (10:24):
We assess your needs. We don't just go for the
you know, here's the plan that I want you on. No,
we don't do it.

Speaker 7 (10:32):
We take our time. So it does take time to
get back to some of you. We can't do it
on the spot if you want a good job. So
I want to make sure that listen that you don't
have any deductibles.

Speaker 5 (10:45):
And what is a deductible. A deductible is.

Speaker 7 (10:47):
What you're going to pay out of your pocket before
the plan pays anything.

Speaker 5 (10:54):
So there is one major plan that's out there. I
won't call their names.

Speaker 7 (11:00):
And we'll talk about it, but there's a major plan,
a couple plans that are out there with a four
hundred and fifty dollars deductible.

Speaker 5 (11:09):
Well that means and that's just the number.

Speaker 7 (11:12):
It could be more, could be less, but that means
that that's what you're gonna be paying top of the year.

Speaker 5 (11:17):
So you're gonna go to the pharmacy.

Speaker 7 (11:19):
You're gonna attempt to get your prescription drug plans, your
prescription drugs. I'm sorry, and two things are gonna happen.
The first thing is they're gonna say no because there
is a form it's the R three P or R
M three form that you have to fill out before

(11:39):
you go to the pharmacy. And see a lot of agents,
like new agents are running around, you know, signing up
a bunch of seniors in the plans with the deductibles.
Seniors have no clue what's about to hit them in January.
So there's a form you have to call the office.
In fact, Bell, can I throw my number out there already?

Speaker 2 (12:01):
Sister, throw that number up.

Speaker 7 (12:04):
Let's start getting it because you need to ask the question. Yes,
not a high pressured, high power A, I'm switching your plan.

Speaker 5 (12:12):
Deal.

Speaker 7 (12:12):
If you are where you need to be, you're going
to stay there. You know how many people we turned
around just last week, week before last, Bev, I know,
over thirty people came to our office and we told
them exactly what I'm saying today. You are fine where
you are. However, if we can help you, we will.

(12:33):
So call in today at nine zero one four five
three six three four six and ask about the form
that you are going to need to go and get
your prescription drugs top of the year.

Speaker 5 (12:49):
It's critical, Bev.

Speaker 6 (12:51):
It is very critical, and as you said, you need
to do if you haven't done something and you don't
know where you are. But also, Laurie, you also say
that if you're okay, if you are okay, you're okay,
you're fine. Yes, you don't have to change anything, right.

Speaker 7 (13:09):
Right right, Yeah, we're not gonna We're not the team
that goes, hey, I gotta get you on this plan
actually had a customer to call and say, hey, they
told me I was gonna lose everything if I didn't
get on this plan, I would lose my Medicare, which
is why be if I started off the hour with
you will not ever lose your Part A.

Speaker 5 (13:31):
You work for it. It's you're forty quarters now Part B.
Can you lose Part B? Yes you can? How can
you lose Part.

Speaker 2 (13:38):
But before you do that, GLORI go back because somebody.
We don't want people to be confused.

Speaker 6 (13:42):
Because when you say you cannot okay, y'all, remember you
have the red, white and blue card. Yes, you're saying
there are A, B, C and D parts correct to medicare.

Speaker 2 (13:54):
Okay to medicare. So when you say, Laurie, you will
never lose your A. What is A? So people will
know what A is? Good?

Speaker 5 (14:04):
Bell, that's great.

Speaker 7 (14:05):
So Part A on your Medicare card, if you would
pull that red, white and blue card out, take a
second and go grab that card. So on your Medicare
card it says hospital. Well, how many of you believe
that Part A that says hospital on your red white
and blue card covers your entire hospital bill? Well, there's

(14:29):
nothing further from the truth. It does not a Part
A will cover hospice. Part A covers skilled nursing at
one hundred days, how many you know? There are some
things beb that I'm telling you if we don't get
this information out.

Speaker 2 (14:46):
Oh my god.

Speaker 7 (14:46):
I just had a situation the other day about skilled
nursing where the loved one had been in the skilled
nursing facility for thirty days a month. What would skill
nursing You only have twenty days to be there at
no costs twenty days. First of all, you have one
hundred lifetime days total, So one hundred lifetime days to

(15:11):
be in skilled nursing.

Speaker 5 (15:12):
And I'm talking about part eight. The first twenty.

Speaker 7 (15:15):
Days on most plans, days one through twenty will cost
you nothing. However, days twenty one through one hundred, my lord,
could be up to three hundred dollars per day. So
the client's daughter called and they were already into the thousands.

Speaker 4 (15:37):
Yea.

Speaker 7 (15:37):
So those are the things you have to ask questions
about skilled nursing. But Part A is where that's housed.
Part A also comes with a deductible. The deductible has increased.
It was sixteen hundred, it's more than that. Now it's
more than sixteen hundred dollars for your Part A. The

(16:01):
deductible was something that you're gonna be responsible for out
of pocket.

Speaker 5 (16:06):
So that's Part A. Part B.

Speaker 2 (16:08):
Bell, Okay.

Speaker 5 (16:10):
Part B has its own deductible.

Speaker 7 (16:12):
It has its own deductible, which is more than two
hundred and forty dollars. It increased for twenty twenty five.
Right now it was two forty six. It has also
increased your Part B deductible. So you're already looking at
it about nineteen hundred dollars in deductibles if you don't

(16:34):
have the C and D from low Rea. So your
Part B also, listen, comes with a premium. So you
know that one seventy four seventy that comes out of
your check every month. That thing is for your Part B.
Now let me tell you why Bell, every you have

(16:56):
to pay this unless you have you know, some help
assistance from the government, unless you have Medicaid, you can
have a full low income subsidy.

Speaker 5 (17:05):
Those things will help out with your Part B premium.

Speaker 7 (17:09):
Call us so that we can get your qualified for that,
because of course those are income qualifications. So Part b's
premium is going up from one seventy four to seventy
to one hundred and eighty five dollars per month. So
starting in January, you will see an increase in your

(17:31):
Part B premium to one hundred and eighty five dollars.

Speaker 5 (17:37):
So let's be aware of that.

Speaker 2 (17:40):
Let it increase.

Speaker 5 (17:41):
Yes, your part be increased.

Speaker 7 (17:43):
You're Part A deductible increased, Your part be deductible increased.
Your Part B premium is going to see an increase.
But now let me talk about that Part B premium. Okay,
this monthly thing that's coming out, it is the thing

(18:03):
that covers eighty percent.

Speaker 2 (18:05):
Of your healthcare eighty percent.

Speaker 7 (18:08):
So if you go in a hospital and your hospital
bill is a million dollars, let's well, it happens my mother.
My mother's last hospital bill, she stayed in the hospital
battling breast cancer for three weeks, no morphine, no no

(18:30):
systems connected to her, nothing, just in a bed for
three weeks, and her last hospital bill for three weeks
was one hundred and twenty five thousand dollars.

Speaker 5 (18:42):
Now take that time twelve. That's over a million dollars, right.
So Part B is the thing that pays eighty percent
of that. So really eighty.

Speaker 7 (18:52):
Percent of a million bucks leaves you about two hundred
thousand dollars. Still really significant, right, But what if you
didn't have Part B. So that's why you need Part
B so we can help you with the premium. There
are some plans that offer buybacks buydowns. When I say that, say,
for example, I'm just throwing anything out a number because

(19:14):
I don't we can't talk about specifics unless you do
something called the scope of appointment. But if there was
a number, the Part B premium is one eighty five,
and there could be a plan on the market that says, hey,
we're going to give you back eighty five of it.
Then they'd only be taking one hundred dollars out. So
that is one way we can help you. The other

(19:35):
way is there are qualifications for something called Extra Help
or low Income Subsidy. That thing runs all the way
up to fifteen or sixteen hundred dollars per month. So see,
there are ways that we can help you get that
part be premium managed. So that is your Part B. Also,

(19:59):
Part B is doctors. That's on your Medicare card. It
says Part B four doctors. Part A is hospital. PARB
is doctors. So with that with your part B is medical.
So when you see the par B it says medical,
it means doctor's visits, doctor's visits in the hospital is

(20:22):
going to pay a percentage of your doctor's visits, which
is why we've gotten so spoiled to copays.

Speaker 5 (20:30):
So when you go in a doctor's office and your
copay is zero or for some plans, your copay may
be fifteen.

Speaker 7 (20:38):
Dollars, do you know that that doctor's visit is probably
three or four hundred dollars that you don't have to
be responsible for. So see having the plans, this C
and D from Lorie and her team, y'all is critical.
You don't want I talk with a person who managed

(20:58):
a nurse at home just to past weekend. Thought they
were pretty bright until they said every singer needs traditional medicare.
Traditional medicare is when you have a lump sum of
money in the bank somewhere because you are now not

(21:19):
only are you responsible for the twenty percent of your healthcare,
but how about that prescription drug plan as well?

Speaker 5 (21:27):
For your Part D D for drugs is for your
prescription drug plans.

Speaker 7 (21:32):
So think about having a hospital bill of fifty thousand
dollars Okay, So now you're gonna be responsible for twenty
percent of the fifty thousand. That is ten thousand dollars
plus if you want to get may It, you're gonna
be paying a premium per month.

Speaker 5 (21:52):
For your prescription drugs. So you see, it just gets overwhelming.

Speaker 7 (21:57):
Now try to manage that on a fixed income when
we already have seniors bill that are choosing between med's
and food. So if anybody tells you that you need
to have only traditional Medicare, asks them for the twenty percent,

(22:18):
that's all I'm playing bail and I've heard it so
much it's almost making me sad because our seniors on
a fixed income cannot afford to pay twenty percent most
of them. There are some seniors that are really making
a bunch of money, but then there are others that
are on a fixed income and bed Once that's Social

(22:40):
Security check hits and you're out of twenty percent of
a hospital bill or twenty percent of a doctor's bill.
So with a Medicare advantage plan, some of your coopeys
could be zero going to the doctor's office. However, if
you don't have a plan, then that's going to be
a twenty four visit, which could run you sixty dollars

(23:02):
eighty one hundred, two hundred.

Speaker 5 (23:04):
I'm just saying it's.

Speaker 7 (23:06):
Got to make sense, so don't let anybody just talk
with you about it, because it makes sense to have
yourself covered. So then when you get sick, hey, you
could just pull your cards out and go to work.
The other thing is a Medicare supplement, so you can
have either or so we'll talk about CND as well.

Speaker 2 (23:26):
So that's that's your A and B. Yeah, okay, A
and B.

Speaker 6 (23:30):
Let me say, Laurie is here today as we do
this Benefits Solutions Marathon.

Speaker 2 (23:35):
If you have a question for her, let me give
you out our numbers.

Speaker 6 (23:39):
Nine zero one, five three, five, nine three four two
nine zero one five three five nine three four two
eight hundred five zero three nine three four two eight
three three three five nine three four to two. Those

(24:03):
are the numbers to ask Lauria a question. She is
here this morning, and let me tell you.

Speaker 2 (24:09):
All as Laurie has said, the annual enrollment period is
going on now, Laurie.

Speaker 6 (24:16):
It will in December seventh. Yes, that's Saturday, Saturday. All
that Saturday, y'all.

Speaker 2 (24:24):
I just thought about that. That is Saturday.

Speaker 6 (24:26):
So what that means is what that means, Laurie tell
our listeners that if you have not enrolled on Saturday
before we start talking about the other what happens if
you do not enroll on Saturday.

Speaker 2 (24:42):
Y'all listen to Laurie.

Speaker 5 (24:44):
Golly, I'm telling you, and this is not a sales pitch.
It is going to be difficult. It's going to be
difficult for you. You've got to get yourself enroll.

Speaker 7 (24:57):
You've got to call the office when I tell you,
there are agents waiting on the line right now to
help you get your plan at nine oh one four
five three six three four six, And I want to
keep throwing that number out BEV because it is going
to be so critical.

Speaker 5 (25:14):
There is another little period coming up.

Speaker 7 (25:16):
We can't talk about it before it happens, but then
you'll be able to make a choice.

Speaker 5 (25:22):
But you have to have a plan already to be able.

Speaker 7 (25:25):
To make another choice, so that when I tell you,
the signing up by Saturday is absolutely critical. Now there
is another little caveat BEV.

Speaker 5 (25:35):
There is there are.

Speaker 7 (25:36):
One million seniors, one million across the country that has
received a letter, that has received a letter that says
your plan will not be offered for twenty twenty five.
You got to go through your mail before Saturday. If not,

(26:00):
you need to call the office. We have a list
of the plans that have been terminated from the market.

Speaker 2 (26:08):
Because there are some plans that have been terminated.

Speaker 7 (26:12):
Completely terminated, Billy, they won't even be offered some of
these plans.

Speaker 5 (26:17):
I'm telling you, some of our seniors have had these
plans for years, and.

Speaker 7 (26:23):
That particular plan with a major, major company has been terminated. Also,
just got letters last week here in Tennessee that Saint
Francis Hospital is in negotiations with a major carrier in

(26:43):
the Memphis, Tennessee area and negotiations are not going well.
So they have already told their customers to get out
of this plan.

Speaker 5 (26:56):
Wow, yes, so you have gotten that letter as well.

Speaker 7 (27:01):
They're already telling their customers that we're probably not going
to offer this plan starting in March. So listen, there
has been so much information shared this plan year. It's
like none other, Okay, BB, it is so critical. And
then so for the one million people that have been

(27:22):
terminated from their plan. The letter says not only does
it say your plan will not be offered for twenty
twenty five. It's at the top of the page, but
at the bottom in the small print, it's saying to
you if you don't get signed up by December thirty first,

(27:43):
so you'll have until December thirty first. If you have
gotten that letter, you will have until December thirty first.
If you did not get the letter, listen to me,
ma'am and sir, mom and pop.

Speaker 5 (27:58):
You have to call us by Saturday, and Beb, I'll
go in and say it.

Speaker 2 (28:03):
Here.

Speaker 7 (28:04):
We are running our traditional Medicare marathon starting now through
the Saturday.

Speaker 5 (28:11):
We will be at that office from nine am to
nine pm.

Speaker 7 (28:16):
We do this every single year, nine am to nine
pm at twenty seven fifty Colony Park Drive that is
off of American Way.

Speaker 5 (28:31):
Turn on Cherry Drive and you'll find us. Okay, Beb.
We they got to get to the office or you've
got to call us today.

Speaker 2 (28:38):
All right.

Speaker 6 (28:39):
We're going to our phone lines at 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 to two WDIA, Hi caller, Hi,
Good morning Beth, Good morning back, Beverly, Good morning, Laurie.

Speaker 9 (29:06):
I'm doing well. Lord, I'll tell you your the information
you've given out is a god sin because this health
care system is so complex. Yes, yeah, it's so complex,
and I just feel for seniors, especially seniors, well everybody really,
because it's complex for any ages. And I'm in the

(29:27):
health care feeling. I've done insurance before and it is
complicated from my inn as well. Wow, because things change
so much.

Speaker 10 (29:36):
Yes.

Speaker 9 (29:36):
For one thing that you did say that's really stood
out in my mind and stuff. When you said that
once you reach the age of sixty five, if you
have not worked have the hours in that, you don't
automatically qualify for Medicare. That I did not. I did

(29:59):
not know. Oh that, I thought everybody once they turn
six to.

Speaker 5 (30:03):
Five, you have to pay into the system. You have
to pay into the system.

Speaker 7 (30:07):
That's why they require the forty quarters or ten years,
and you can fall short by a week. We have
a lot of customers that have fallen short. Now does
this have anything to do with your money? Yes, So
here's a difference. You will get SSI versus Social Security,
so you'll get paid on the first versus the third.

(30:30):
So you're gonna get paid something. But in terms of
Medicare itself. Yeah, that's the challenge. Now, you can pay
for Part A. I'm glad you said that. Because you
can pay for Part A, you can pay to have
it and then we can get you the other benefits
and then I can certainly.

Speaker 5 (30:46):
Help you do that.

Speaker 7 (30:47):
But that's gonna take some navigating. So you can pay
for it or you can qualify for it through the court.

Speaker 9 (30:54):
Okay. My second question is for those people who have
not worked due to disability, then what happens to those
people as far as health care is concerned. You said
they would get They may be getting an income like SSI. Yes, ma'am,

(31:14):
that would be income, But what about health care?

Speaker 5 (31:18):
Great?

Speaker 2 (31:18):
Great, great question.

Speaker 7 (31:20):
So medicare, it's it's for individuals who have guessed what
been on disability for twenty four months, have in stage
renal lou garricks or turned sixty five.

Speaker 5 (31:32):
Yeah, so that's the difference sixty five with the quarters.

Speaker 7 (31:36):
So yes, they would qualify if they've been on disability
for twenty four months, they would qualify.

Speaker 9 (31:41):
For medical or for medicare. But what if what if
they don't fall into those categories of diseases that you said?
What if it's due to some physical challenge or something
like their wheelchair bound or mentally disabled or something like that.

Speaker 7 (32:01):
Those individuals who have one disability, that's just going to
the Social Security Administration and applying for your full disability.

Speaker 5 (32:11):
So if they have a full disability, yes they're gonna
get it. If they have a full disability, uh huh.

Speaker 7 (32:17):
But then that's a that's deferending on what the doctor says,
what he's gonna stand behind. Because I've had a lot
of people who who thinks that they have a full disability,
but that but then the doctor doesn't stand behind it.
So's it's all of that is a coordination of care.
All of that is a coordination of care. We can
help you get through it. But it it's definitely a

(32:39):
it's a task. It's something to do well.

Speaker 9 (32:42):
Thank God for you, Thank God for you. And now
I hope people are listening and telling their loved ones
because there are people out there that don't know, they
don't understand, and they need help and they don't work
where to go to get the help. So thank God
for you.

Speaker 2 (32:59):
You're welcome, Thank you.

Speaker 9 (33:01):
Okay, bye bye bye bye.

Speaker 2 (33:03):
W d I a high caller, hullo, Yes you're on
the air.

Speaker 8 (33:11):
Okay, I'm calling because I want to know about this
healthcare thing.

Speaker 1 (33:16):
Now.

Speaker 8 (33:16):
My husband is still still have health care insurance Okay,
he's getting ready to retire and he's going to continue
to keep the plan and I'm still on it. So
my question to you is that can I get on
get both plans here and made a care Well.

Speaker 5 (33:32):
That depends on the company.

Speaker 7 (33:33):
So what we would do is make a call to
the benefits administrator and they can give us that advice.

Speaker 5 (33:39):
So there are a few companies that will take it.

Speaker 7 (33:41):
The railroad mail handlers, even FedEx pays something down on
a met sub.

Speaker 5 (33:47):
So it just depends on the company that we're dealing with.
So we can we can sit down and talk about it.

Speaker 7 (33:53):
But you coming off of his healthcare a plan, maybe
well this is just an idea as it would be
less to pay and your Medicare would you know, take
care of itself. So let's talk about it once you
reach that that level. Let's talk about that once you
reach that point.

Speaker 8 (34:14):
Okay, So what number do I need to contact you?
And we discussed discuss Uh both of us is of age, okay,
and I just want to sure okay, because he's uh,
he's feeling okay, and he's designed the time.

Speaker 7 (34:31):
Oh yeah, see that's mail handlers. Mail handlers will let
you have too, yes, yes, mail handlers will allow both.

Speaker 8 (34:38):
Okay, Well that he's not a mail handler, no, no, But.

Speaker 5 (34:42):
That's the insurance. That's the name. That's what they call
that insurance, mail handlers insurance.

Speaker 8 (34:48):
Okay, that's okay, yes, ma'am.

Speaker 7 (34:52):
If you've got that mail handler's insurance. Not for specific
it's figuratively, it's not for mail handlers. But that's what
they call that. I guess what they call their insurance.
It's the mail handles insurance. People work for the post office.
So yeah, let's definitely talk about it. So here's our number.
It's nine O one four five three six three four six.

(35:16):
We are standing by now. We will be there all
week long, all the way through Sunday. We will be
at our office through Sunday at two seven five zero
Colony Park Drive, And the number is nine oh one
four five three six three four six. And I'm saying
to you, begging and pleading, ma'am and sir, y'all got

(35:36):
to get in the office and you gotta make the
call just to make sure you're okay, Okay, I do,
thank you so.

Speaker 2 (35:42):
Much, so much, and thank you for listening. Thank you,
bye bye, good information.

Speaker 6 (35:48):
And so Laurie, we were talking. We talked about A
and B. Yes, so let's go to the next one
is C. Now that's where I still get confused, okay,
because that's Medicare advantage, yes, or MEDSUP or mens up.

Speaker 2 (36:06):
Okay, let's talk about that.

Speaker 5 (36:08):
Awesome.

Speaker 7 (36:08):
So the part B is covering that eighty percent, So
then there's the twenty percent out there, right, So the
twenty percent can be covered either through a Medicare supplement
or a MAD advantage plan a lot of people. So
let's talk about a MAD advantage plan first. So with
a Medicare advantage plan, it's going to cover the twenty percent.

(36:31):
But listen to this one now, with copay, So there
is some cost sharing with a Medicare advantage plan. So
when you use it, you know you're gonna pay a
copay potentially, meaning you go to your PCP office, it
could it could possibly be zero. You go to a specialist,

(36:52):
it may cost you fifteen dollars, twenty five dollars. So
that is what we mean when we say cost share. Okay,
so you may go to the hospital. The hospital bill
may typically be fifteen hundred.

Speaker 5 (37:05):
I'm just throwing out a number, not necessarily a specific number.

Speaker 7 (37:10):
Those specific numbers are based on individual plans and when
you come in we can discuss what that looks like.

Speaker 5 (37:19):
So these are just general examples of what it may
look like.

Speaker 7 (37:23):
So you may go and have a lab service. On
some of the plans it may be zero, or other
plans it could be fifteen or twenty dollars. Oh, and
here's a nugget, bell when you utilize these plans. So,
for example, in the plans, there are lots of preventive stuff,
meaning you can go get a mammogram. So with the mammogram,

(37:48):
it's zero, right because it's preventative. But if you go
to the doctor bell and you say, Doc, I feel
a lump in my breast, now you have a copay
because now there is a reason to go in. It's
not just preventative. It's okay, they have a reason. So

(38:10):
it just became a medical procedure. So when you go
to the doctor you're feeling something, just let doc.

Speaker 5 (38:17):
Check it out. So when you go and get that
annual visit, when you go get that annual visit.

Speaker 7 (38:24):
Let him check you out, you know, and because they
are jotting down notes and all of that. I've had
a lot of seniors to come back and say, well,
I had to pay two hundred and fifty dollars for
my mammogram. The reason that you had to pay for
it is because you went in with a complaint Doc.

(38:46):
My breast was hurting, doctor had a lump, I had discharge.
So you can't or for a mail. Your prostate screening
is a part of the preventative services. But if you
go in with an issue, now, it's gonna be a
charge a copey because there's a medical necessity.

Speaker 5 (39:07):
So that's just a little nugget for you to just
keep note of.

Speaker 7 (39:11):
Watch and when we go in the doctor's offices, it's
like we're so happy to be there because we're not
feeling well that we run our mouths. We talk a
lot and we're just trying to tell doc everything. Well,
guess what, they are taking notes and they're putting all
this stuff in your chart.

Speaker 5 (39:28):
Here's another nugget. Bell check your charts.

Speaker 7 (39:33):
Make sure there's nothing in that chart that you don't
have because if you pass away, some life insurance companies
are not covering this stuff because you didn't say you had,
you know, a kidney problem, and now you got a
kidney problem in your records. No, they had, And I've
never smoked a day in my life, and they had

(39:53):
in my medical records that I had been through a
smoking cessationion class. Yes, wo, so that they can get
grant money. Watch your charts, ma'am and sir every now
and then get a copy up your medical records because
they may say you got anything and being you wonder

(40:14):
why because I'm singing, bam. An increase in the number
of drugs that singers are taking, and I'm telling you
it is bothering me. And not only the number of
drugs that singers are taking, but the level of the drugs.

Speaker 5 (40:33):
So they're leaving the doctors are.

Speaker 7 (40:35):
Giving more than Tier one and tier two. So the
Tier one drugs, Tier two drugs, the drugs that almost
cost nothing, they're leaving those drugs. They're now putting singers
on tier threes, Tier fours, tier fives. How much can
your liver take that? Come on, now, y'all, we have
got the start, and people my age start watching. After

(40:58):
your moms and dads, you got to watch the medication.
If they have not tried a generic, if they have
not tried a lesser invasive procedure, don't let them go
straight for surgery.

Speaker 5 (41:11):
So ball, Okay, I got off, I got all off
on them.

Speaker 2 (41:13):
That's okay. Sor I know, I know. Go to our
phone lines.

Speaker 4 (41:17):
I know you do.

Speaker 1 (41:18):
I know you do it.

Speaker 6 (41:19):
Going to our phone lines. W D I a high caller,
high caller. You're on the air, Yes, you're on the air.

Speaker 2 (41:28):
You have a question for Laurie.

Speaker 7 (41:30):
I tuned in late.

Speaker 8 (41:32):
I need it because I'm told listen too.

Speaker 9 (41:35):
I need phone numbers.

Speaker 6 (41:38):
Okay, first of all, we're gonna start with the phone number.
You have something to write the phone number down?

Speaker 9 (41:44):
Yeah, hold on one thing and a dropt everything.

Speaker 8 (41:47):
Okay, my brother law call for Louis.

Speaker 11 (41:51):
Tell me turn it on.

Speaker 9 (41:52):
I hunt on my TV. I do that.

Speaker 6 (41:56):
Well, I'm glad they did. All right, Okay, here is
first of all, Laurie's number.

Speaker 2 (42:02):
You ready nine zero one, four five three.

Speaker 4 (42:15):
Okay, six three?

Speaker 6 (42:19):
You got to watch.

Speaker 2 (42:23):
Four six three six, Yes, ma'am, that's her number.

Speaker 6 (42:31):
To call Laurie and she has agents there waiting and
help you with any question you may have.

Speaker 3 (42:37):
I'm putling often confused.

Speaker 2 (42:40):
Help you, yes, ma'am.

Speaker 9 (42:43):
Oh, and.

Speaker 2 (42:46):
I'm just in a we can help you.

Speaker 5 (42:49):
I'm excited.

Speaker 6 (42:52):
Laurie is with the Benefit Solutions Group, Yes, ma'am, and
they they they they work with all the insurances so
they can help you.

Speaker 2 (43:03):
Don't don't, don't pull your hair out.

Speaker 6 (43:06):
Okay, so make sure you call that number now. It's
because you have until December seventh, that's Saturday, to sign up.

Speaker 8 (43:14):
Okay.

Speaker 9 (43:15):
Where are y'all located?

Speaker 6 (43:17):
They are located at twenty seven fifty Colony Park, five
Old Colony Park, and it's right off of American Way.

Speaker 9 (43:33):
Okay, it's in that area.

Speaker 2 (43:37):
You remember where the old Mall of Memphis used to be.

Speaker 9 (43:40):
Yes, ma'am.

Speaker 2 (43:41):
Okay, it's in that area Colony Park, Yes, ma'am.

Speaker 9 (43:44):
And you can go over to the office okay, alf
American Way, yes, ma'am. Okay, you got it with ma'am.

Speaker 11 (43:55):
I got it.

Speaker 6 (43:56):
Okay, go on in there today, now, thank you? Oh
bye bye, Now, Laurie, we do have people like like
that call who says, I'm totally confused, I don't know,
I don't know.

Speaker 3 (44:09):
What to do.

Speaker 5 (44:09):
Yes, it's enough to be confused.

Speaker 6 (44:11):
About as Laurie said to you guys that you need
to do something by Saturday.

Speaker 5 (44:17):
Yes, you better, you better be it's so yeah, it's critical.

Speaker 6 (44:22):
As Laurie has said earlier, you all probably did. Miss
Laurie said, some of the plans that you all may
have have been canceled.

Speaker 7 (44:31):
That's a good word for a BEV because that terminator
he may not understand it's canceled.

Speaker 2 (44:38):
Yes, it is canceled.

Speaker 6 (44:41):
And one of the things that I like you all,
and just like that caller as Laurie, I love this.
Laurie says, don't call the TV, and you know we
laugh about that, but what she's saying, her agency is
right here in Memphis. You all can go over to
the office and talk.

Speaker 5 (44:57):
To somebody in person. You don't have to talk talk to.

Speaker 6 (45:00):
Anybody over the phone, although you can do that at
Lori's office, but you can go see somebody in person.

Speaker 2 (45:06):
Sit down with them so they can explain what's going on.

Speaker 6 (45:10):
Because if you're calling numbers all on the TV and
you don't know, and folks will we'll talk you into anything.

Speaker 5 (45:18):
And you won't be able to get back to them
if they make a mistake.

Speaker 2 (45:21):
That person you talk with that's right.

Speaker 5 (45:24):
It's serious.

Speaker 6 (45:25):
So yeah, so that it's critical now, Lourie, Oh gosh,
oh bell, I am shaking my head because gosh, January
is coming and some singers are probably gonna almost have
a meltdown at the counter because that form, it's a
form that you have to fill out. It's a form
before you go and get your drugs coming up in January.

Speaker 5 (45:48):
If you have tiers three, four, and five.

Speaker 7 (45:52):
Even some of the drugs that used to be a
Tier two, used to be a Tier one, have now
been elevated.

Speaker 5 (45:58):
To tiers three.

Speaker 7 (46:00):
So then once you fill out the form, guess what
the form has to process. So if you don't have
your meds and you go there in January and you
don't have that form completed and processed, you will still
have to wait on your meds. And what about individuals
needing those meds right away?

Speaker 5 (46:22):
I mean it's going to be something now.

Speaker 7 (46:24):
So y'all, this is a really serious call to action.
I need you to pick up the phone and call
nine zero one four five three six three four six.

Speaker 5 (46:38):
Why am I asking you to do this?

Speaker 7 (46:41):
Because even if you are in a plan and you're saying, hey,
I'm fine, where I am. We need to make sure
the plan is still on the market. If you even
if you're working with an agent, let us know you're
working with an agent.

Speaker 2 (46:54):
And that's okay.

Speaker 7 (46:55):
That is just fine for me, Bell, because I want
to make sure my mothers and fathers are Okay. You
hear me say it all the time. It is not
a sales pitch. I'm a Christian and I believe you
read what you saw. So if I don't do right
by each of you, then I won't live a great life.
And I love the life that God has blessed me with.

(47:16):
So I want to be able to bless you with
this information.

Speaker 5 (47:20):
You've got to pick up the phone.

Speaker 7 (47:22):
You've got to make the first step so that we
can review your information. Because first of all, the first date,
it's Saturday, okay, I mean like in the next few days. Yes,
it is not just a Saturday. It's Saturday. It's a
December seventh, which you can't enroll.

Speaker 2 (47:41):
That's right, okay.

Speaker 7 (47:42):
But for those million one million people who have received
the letter, it's December the thirty first, so you will
have at least a little bit more time to do it.

Speaker 5 (47:54):
But then for those who miss it, because here's the thing.

Speaker 7 (47:58):
Okay, the letters are so convoluted you can barely understand
what those letters are saying. And many of you have
missed the letter because you thought it was just a
piece of done mail. So and many of you are saying,
I'm not gonna call because I'm fine where I am,
not even knowing that you missed the letter, not even

(48:20):
knowing that you're playing no longer exists.

Speaker 5 (48:24):
It's canceled.

Speaker 7 (48:26):
So do me a favor, just to today, Tomorrow through Saturday,
we are gonna be at that office from nine am
to nine pm. Oh Bell, And I wrote this down
to make a note. Listen wherever you are hearing my voice.
That could be in Louisiana, it could be in Texas,

(48:46):
it could be I heard it has to be Mississippi.
That's right, Arkansas, Tennessee. Somebody even called us from Illinois, Chicago, Illinois.
So wherever you are listening under the side of my was,
you have got to do me a favor today.

Speaker 5 (49:03):
Please let me be able to sleep. I can barely
sleep on this.

Speaker 7 (49:07):
I'm not going to bed on time or waking up
with bags under my eyes because some of our little babies.
I'm telling you, I call my seniors, my babies are
going to be left out, and it is really, really
it's impacting me. So listen, pick up the phone right
now and call nine oh one four five three six
three four six.

Speaker 2 (49:28):
Back to her phone lines to talk with you.

Speaker 8 (49:30):
Hi, caller, BLADINM BEV and Lourie.

Speaker 2 (49:36):
How you all doing it, Julie?

Speaker 9 (49:38):
Well, how are you good? Yeah?

Speaker 1 (49:40):
I want to know if there's like do my mom,
Nita had bandage play. Okay, she had one and got
her some new glasses, and so when I wanted and
I went with her and got to the cash rest
to let her tear the minute pay a corner five
dollar coll pain. So, so does she have to pay
a call pay If that's a plan she can get, Well,
you don't have to pay out in much cold paper glass.

Speaker 5 (50:03):
We can, yes, ma'am. We have our we have options.
We have options. So call the number four five three
six three four six, call it right now.

Speaker 1 (50:13):
Okay, well, then buy me bout twenty five.

Speaker 8 (50:15):
I'll do anything, boy.

Speaker 7 (50:17):
Well, but it's not just the twenty five now. So
if she's got that co pay, you can imagine the
other copays.

Speaker 5 (50:24):
So you definitely need to call appreciate it.

Speaker 1 (50:26):
Thank you all.

Speaker 2 (50:27):
Bye bye bye, thank you, Anita, bye bye. W d
I A. I caller, Hello, lady captain, what's out cap
All right?

Speaker 7 (50:38):
Yeah?

Speaker 4 (50:38):
I told him familiar with the police department. I'm letting
you know again. And them said, when you called in,
tell you what it's a question of comment. And I
got more of a comment. Say, man, let me tell you.
Uh Lorie from TV, she tried to choke me over
at the Blues thing y'all had shopping. She tried to
choke me. She telling her who I was. I kept

(50:59):
following that. But anyway, let me tell you this lady
right here hooked me up with somebody over there. And
as I tell people, if you ain't got a car
and you hear her on the radio or somebody tell
you about it, call her anyway. Some of her people
will meet you at the library McDonald at a public location.
You sit down, they will listen to you more and

(51:19):
talk to you. They're listening to you about what do
you want?

Speaker 8 (51:21):
What do you need?

Speaker 4 (51:22):
So you're talking crazy, as they say I do. I'm
asking all kinds of crazy questions my retirement and this,
that and the other. And they said, we got these
companies right here. Listen, people, they're not telling you where
to go, they're not telling you what to do. They're
asking you what you need so they can help you
get what you need now. I waited over a year,
maybe two years. I waited because I said I don't

(51:44):
need medicine. I don't need anything. I waited around, and
they started taking money out of my check every week,
and I wonder what that was. And so Sterry said,
you gonna have Part D. We're gonna charge you for
not having it. And I said, wait, ain't whoa whoa whoa.
I'm gonna get it later. And they said, no, going
out there every day, you don't get it, We're charging
you for that. So I'm telling people you can think

(52:04):
like many of my cousins, all of them into seventy
seventy five year old saving, they're sitting up saying I
don't need anything. I'm okay, but I'm warning them you
need to let Laurie and how gang of people over there,
let them check out what you got, because they believe it.
They're gonna get the same thing with Hugh Manor and
all these other companies next year. I keep telling it
changed on over a million people and it's us that

(52:25):
we're talking about that changed. The amount that you're gonna
get is changing. What you're gonna have to pay has changed.
Many of them have been in the hospital. I've never
been in the hospital every last my life. So I said,
I don't need anything. But they are going in and
out of the hospital taking everything. Is honckey dory. They
think Donald Trump going in the office all smooth. They
are sitting back. They didn't vote at all. They saying

(52:46):
they don't need anything, but they're going in And I'm
trying to get people to wake up. Smell the coffee
it's cooking and right while this woman here takes out
of her time, her life and I said, she's cute too,
and she grabbed up there and she will help you
get whatever you need in your life, whatever you need.
So thank you Bell, thank you having on again. Like
I thought the fire program the other day was best,

(53:09):
but this is a good one too. All right, thank
you and everybody listening. She's got it for you, all right,
I'm done.

Speaker 2 (53:14):
All right, Thank you, captain, Thank you, Captain w D.
I a high caller.

Speaker 8 (53:22):
Hey Beth, Hey, how are you?

Speaker 9 (53:25):
I mean?

Speaker 11 (53:25):
This is past some cat May Park Illinois. I know
your voice past Hello ladies.

Speaker 10 (53:34):
Well I am so glad.

Speaker 8 (53:35):
I tuned in and.

Speaker 11 (53:37):
When Laurie said, well, we even help people in Illinois,
I said, yes, I'm gonna come.

Speaker 10 (53:45):
You know what, I just love them show Laurie because
she has so many wise smart guests and so so
much information giving out to folks here in Illinois as well.

Speaker 11 (53:57):
But I don't have Medicare part A DC. I got
a bunch of stuff right, and I'm with Qman of
gold Plus. But I have an issue with them because
they sent me the flex card last year that expired.
It was one thousand dollars the first year they expired
last year, and then they sent me two hundred and

(54:19):
fifty dollars flex card for twenty twenty four. So when
I had gone to the eye doctor, it said it
was supposed to be covered. It says, I ears and
your dental, you know, for any extra toise. All of
my stuff is taken care of. But they said we
can't use this card. I said, okay, fine, So I

(54:42):
don't wear glasses, but I get glasses just because I'm
entitled to them, you know, no, no, no, I take
advantage of Also, I'm seventy one years old. So I mean,
I paid into the system all my life, so I
want everything that pass I feel. But well, it's very

(55:02):
really crazy. When I got a bill the other day
from Humana because I used the Flex car, because the
lady said that the eye doctor, she said, well, you
know when I went to get my glasses, the prescription
field that on there because be's she was saying.

Speaker 8 (55:16):
She said, Well, what we can do is she said,
we can use this.

Speaker 11 (55:19):
Flex car for you know, like the extras that I needed.
And I was like, well, what extras do I need
to You can get another pair of glass Okay, fine,
and it's almost December, so take what you can. But
they send me a bill for twenty five dollars.

Speaker 8 (55:34):
I say, well, you said you go use the flex car.

Speaker 11 (55:37):
Now why you billing me twenty five dollars?

Speaker 5 (55:39):
Right right, we'll see.

Speaker 8 (55:41):
I want to pull ahead.

Speaker 11 (55:43):
I wanted to know because of all of the little
hiccups that I had with Human of Gold, plus I've
been with them for like five years now, if if
there are other plants, I'm going to call your office.
Lory wants to, you know, get off the line and stuff.

Speaker 5 (55:59):
But I wanted to know.

Speaker 11 (56:03):
These people that call me every day, why do they
keep calling me? I don't not come bet the outside
of conversation. They don't even ask me who my name,
where my name is? They just start a conversation.

Speaker 8 (56:18):
Well we have are you a senior?

Speaker 11 (56:20):
Do you have medicare?

Speaker 8 (56:23):
If you calling me, why don't you know this?

Speaker 11 (56:25):
But anyway, I'm gonna get off the phone and let
you our talk. But thank you, thank you, thank you.

Speaker 7 (56:29):
I love you, ladies. Pad You bring up a good
point because I don't want anyone, any singer saying the
word yes.

Speaker 2 (56:45):
Oh yeah.

Speaker 5 (56:46):
So that's the thing.

Speaker 7 (56:47):
That's why they're asking your phone, right, do not answer? Yes, please,
do not answer. And as a matter of fact, you
need to say take me off of the list. You
can't just ignore their calls. You have to say take
me off of the list, and then you can get
on the federal do not call list and then then
they'll be fined for calling you. So that was you

(57:09):
brought up a great point there. But certainly we can
help everybody in the state of Illinois. Y'all need to
call the Benefit Solutions Group at nine O one four
five three six three four six.

Speaker 5 (57:21):
We're waiting.

Speaker 2 (57:21):
I have an email for you.

Speaker 6 (57:23):
Laurie from JJ and JJ wants to know, Laurie, do
you have up until March to change your advantage plan?
Do you have up until March to change your advantage plan?

Speaker 7 (57:38):
There is another season that's coming up, but the rules
tell us that we can't talk about it because right
now we're in the Annual Enrollment Period AEP that runs
October fifteenth through December the seventh, which is this upcoming Saturday.
So we will definitely be talking about that later. But

(57:58):
you're gonna have options that I can say that.

Speaker 6 (58:01):
Okay, all right, Okay, another email right here, Lourie from George.
George says, Lourie, I use the VA for my PCP
and prescription drugs and turning sixty five soon.

Speaker 2 (58:17):
Do I need to do anything now?

Speaker 7 (58:21):
Yes, if you have parts A and B, we can
absolutely help you. We have good news for you. You
need to be calling us. However, if you just have
parts A, you're fine. A lot of vets are confused
about this, or some vets about parts B part B.
You do not have to have part B if you

(58:42):
are a VET. The reason that you have to have
part B.

Speaker 5 (58:45):
Is because something has to cover the eighty percent, something
has to cover it. So if you're with the VA,
you're with the federal government.

Speaker 7 (58:54):
They are covering your your eighty percent because you're using
the VA to take.

Speaker 5 (58:59):
Care of your health.

Speaker 7 (59:00):
See, the whole healthcare system is attempting to keep our
people out of the emergency rooms. That is what's breaking
the backs of Medicare. Everyone run into the emergency room,
So the Medicare advantage plans are providing the preventative services
to keep you out, like doctors have checklists to keep

(59:21):
patients out of the emergency room.

Speaker 5 (59:23):
But if you are so, that's why they require.

Speaker 7 (59:27):
You to have the insurance so that the insurance can
provide preventative services that will keep you out.

Speaker 5 (59:33):
So the VA is doing the same thing. The federal
government is providing that eighty percent for you.

Speaker 7 (59:40):
So you don't have that part be but if you do,
you have an option to get a Medicare advantage plan,
and those plans they are robust. You're gonna be excited.
So if you are a VET and you're listening to
me right now.

Speaker 5 (59:56):
Do yourself a favor. Pick up that phone nine on
one four five three sixty three four six.

Speaker 2 (01:00:03):
So when we were talking upon the plans we got
A B and C. Did we finish sea up? Lord?

Speaker 7 (01:00:09):
See yes, Medicare advantage plans that offer the additional benefits
at no cost. The eyeglasses, that's that's the SEA plan,
I see, the dental vision. So the over the counter,
some groceries, some gas at the pump. A lot of
those plans decrease some of that this year. Some took

(01:00:30):
it completely away. But the biggest thing that C does
it takes care of the twenty percent with copays. So
the copaids is of course the specialists. You know, if
you go get the services.

Speaker 2 (01:00:42):
Uh.

Speaker 5 (01:00:43):
And here's the other thing about a Medicare advantage plan.

Speaker 7 (01:00:46):
If you don't go to the doctor that month, guess what,
no charges because the most premiums or zero. Here's the
difference with a Medicare supplement. By the way, the only
part of our bet you need with a supplement is
G because F is no longer on the market. So
Plan G is of course what you probably need to

(01:01:09):
refer to. And with a med SUP you still have
to pay your part B premium. Your monthly premium is
going to probably start at one hundred and fifty to
two hundred dollars per month, whether you go to the
doctor or not, whether you go in the hospital or not.
It's also going to require you to have a prescription

(01:01:32):
drug plan.

Speaker 5 (01:01:33):
So see what that meds up.

Speaker 7 (01:01:35):
You really have to be able to afford that thing, Beth.
It's not going to be like that medical advantage plan, right,
that's zero if you don't use it. So that's the
difference in your c And then you have D let's
go D four drugs. That's your prescription drugs. The prescription
drugs up this year. Like I said before, those drugs

(01:01:58):
that used to be Tier one's, tier two's have been elevated,
some of them to tier threes, and that tier three
is actually triggering that form that I've been talking about,
and seems like it's by design, but it's people like
me that's getting out here, bab. I feel like I'm

(01:02:21):
fighting against a title wave here trying to get this
information out to our seniors because I don't want you
going to the pharmacy trying to get your prescription drugs.

Speaker 5 (01:02:32):
What about people who do insulin every day?

Speaker 7 (01:02:35):
Wow, and you go to the pharmacy in January trying
to get your insulin and you can't so you have
got to make the phone call call now nine oh
one four or five three six three four six or listen.

Speaker 5 (01:02:50):
We are there at the office from.

Speaker 7 (01:02:53):
Now through Sunday because Sunday we'll be still, you know,
figuring things out and finishing it up.

Speaker 5 (01:03:00):
So now through Sunday, I want you to walk into
the office. You know what, ma'am. Something takes an in person.

Speaker 6 (01:03:09):
Oh yeah, it does, you know. I know they have
all these things you can call on the phone. I
don't like calling the phone because sometimes they put you
on hole and you're waving and your talk. I like
to talk to somebody in person.

Speaker 2 (01:03:22):
Yeah, yeah, face to face. Tell me so I can
look at you and I can tell okay, you tell
me the truth or not or you know, Laurie.

Speaker 7 (01:03:29):
Yeah right, So definitely walk in the office. I'll throw
the ad dress out there again. It's twenty seven fifty
two seven five zero Colony Park Drive. That is in
the three eight one one eight zip code. It's off
of American Way, right off Cherry Drive. So come and
pay us a visit.

Speaker 5 (01:03:50):
I want to meet you. I want to meet you,
shake your hand, give you a bottle of water and
a little snack. Come on in and see us.

Speaker 6 (01:03:56):
Okay, so now we have you all heard ab and
see did any any of the three confuse you? If
you're still confused? I like that call, jesays I was
so confused. But give Laurie a call because she's here
in the studio at nine zero one five three five,
nine three four two eight hundred five zero three nine

(01:04:17):
three four two or eight three three five three five
nine three four to two.

Speaker 2 (01:04:23):
So Laurie, we have a B and C.

Speaker 5 (01:04:25):
Now D yes, what is D? D four? Drug for drugs?

Speaker 4 (01:04:31):
D for drugs?

Speaker 2 (01:04:32):
Remember that for D is for the drug.

Speaker 5 (01:04:35):
Has five tiers.

Speaker 7 (01:04:37):
They added a tier, so five tiers now six. The
lower tier drugs like the tier ones and the tier two's.
Those drugs are the drugs that may cost you nothing. However,
once you step up into tier three, four and five,
uh yeah, you got a little bit of a cost.

(01:04:57):
And particularly with tier five, it's something else. So we
can help you with that. So so many Americans and
especially our folks here in the Midsole, you qualify for
something called low income subsidy. We can help you get
that application completed, in processed, and then you'll have a

(01:05:19):
better outlook on your drugs. So I want you to
call us, use us as a resource, even if you
you know, most most people say, you know, I'm fine
where I am because people don't like change.

Speaker 2 (01:05:33):
They they don't.

Speaker 5 (01:05:34):
But this is the this is the time.

Speaker 7 (01:05:38):
In the year because you know, we won't see this
again right until next October the fifteenth.

Speaker 5 (01:05:44):
So this is an entire year that you're gonna have
to deal with all of the.

Speaker 7 (01:05:48):
Changes that are that have already hit us, all of
the changes that have already impacted so many seniors. Now
let me be if I want to specifically talk about
that person, okay, who doesn't get signed up by December thirty.

Speaker 2 (01:06:03):
First, Okay, December thirty first.

Speaker 5 (01:06:06):
So no, so this is the person.

Speaker 7 (01:06:07):
Now, this is only for the one million seniors that
got the letter, So one million singers, okay.

Speaker 6 (01:06:15):
And so somebody's just listening Lourie before you finish, okay,
and they hear you talk about a letter. So basically, yeah,
I mean, you don't have a very radom but kind
of telling what was in this letter that seniors received.

Speaker 5 (01:06:31):
That's good.

Speaker 3 (01:06:31):
Bell.

Speaker 7 (01:06:32):
So the top of the letter is going to say
your plan will not be offered for twenty twenty five
it's just straight across the top of the letter and listen.
If you have letters that you need us to come
and read for you, we will make a house visit
to come and read your mail for you. Just give

(01:06:54):
us permission, call us, let us get over there to
see you. We got agents ready to run today, tomorrow
or through Sunday, so I can help as many seniors
as I can. But here's the other part of the letter.
If you are not you will be losing your plan,
your benefits. Your benefits will be impacted if you are

(01:07:15):
not signed up for a new plan that is offered
by December the thirty first. Now, this is only for
the million people that were terminated. Well actually it's a
million plus people that were terminated, not the December seven people.
So if you didn't get a letter, Saturday is your day. Okay,
So that's the other fifty million in America. Saturday is

(01:07:37):
your day. If you were one of the ones that
got the letter that said your plan will not be
offered for the twenty twenty five market year, then you
having to December the thirty first. If ma'am and sir,
you don't get yourself signed up by December the thirty. First,

(01:07:58):
you will not be able to sign up for a
plan until the next October the fifteenth, So that is
that's nine months of nothing but traditional medicare. So you'll
go back to traditional medicare and a prescription drug plan.

(01:08:19):
You'll have traditional medicare and a prescription drug plan. So
that's that twenty percent that I've been talking about. And
so if you're ill, you go on the hospital. We
don't know what will transpire in a nine month period.
That's how super important this is. Like, you've got to
get yourself some help. We gotta make sure you didn't

(01:08:41):
get the letter. We gotta check on your plan today
and listen. Don't just call anybody, call the Benefit Solutions Group.
There are a lot of agents out there, but they
don't they have not done the research. We are inundated
with this information so that we can help you. In fact,

(01:09:04):
we have taken so many tests, so many modules, just
so that we can be ahead of what's coming to
you in January. You have got to make the call
right now. Nine oh one four five three six three
four six. I'm gonna go slow because somebody just picked
up their pad.

Speaker 2 (01:09:23):
Ev I feel it.

Speaker 5 (01:09:25):
In my sha.

Speaker 7 (01:09:26):
I know they just picked up that pad. So here
is the number really slowly nine zero one four five
three six three four six call us right now.

Speaker 2 (01:09:42):
Now, and now, Lourie, that.

Speaker 6 (01:09:46):
People, the seniors who received the letter, and they said
this plan has been dropped. And and you all know,
Laurie is not gonna you have to call the office.
She's not gonna tell you the different ones. But you
need to because if they've dropped it, that means you
have to get something else.

Speaker 5 (01:10:02):
Right, you won't have anything, you don't have anything.

Speaker 7 (01:10:04):
No, you'll have traditional medicare, which means that twenty percent,
Oh BEV. I mean I'm a working person and dealing
with twenty percent, because of course, you know, working people,
that's pretty much what our folks cover.

Speaker 5 (01:10:17):
Eighty percent. It's an eighty.

Speaker 7 (01:10:18):
Twenty deal, and that twenty percent can get kind of
kind of harder, BEV, even for working people. So I
cannot imagine what would happen to a senior on a
fixed income having to deal with the twenty percent. Now
there are some singings be of that can but why
would you deal with the twenty percent when.

Speaker 5 (01:10:38):
You don't have to? Money is powered? It's keying, right,
you know, you have to keep it.

Speaker 7 (01:10:43):
I've been trying to pay off a bunch of stuff,
and I said, Leslie, should I just pay this thing
off and pay this She said, Lord, keep some money
he keeps up. You don't have to pay those bills
off all at once.

Speaker 5 (01:10:54):
Keep some money in the bank. So hey, you need
to keep a little money in the bank and not
have to use it if you don't need it.

Speaker 6 (01:11:02):
Yeah, And I would hate for after the enrollment period
is over, Laurie, that someone like you said, open your
mail on.

Speaker 2 (01:11:11):
Somebody's fact, I didn't see this letter, and then they're
calling you.

Speaker 6 (01:11:15):
Yeah afterwards, like you said, December thirty first, and they're
calling you in January said I didn't see it.

Speaker 7 (01:11:23):
Though there's nothing we can do. It would be nothing
we can do if you missed December thirty first. Okay,
because there is a period that's coming up. I won't
call the name of this special election period. But that's
a period coming up where you'd be able to go
from plan to plan, so from m APD to MapD.

(01:11:46):
But if you don't have an MapD, you won't be
able to go to nothing. You won't be able to
take advantage of that period. So there was somebody, probably
an agent, who asked the question about can we sign
up through March.

Speaker 5 (01:12:02):
Well, there are options there.

Speaker 7 (01:12:04):
Of course, that's something we can't talk about right now,
but you're gonna have options, but you will remove all
of your options if you don't get signed up by
December thirty first. And again, the December thirty first date
is only for the people who got the letter. It's
not for everyone. So most of us, ninety nine percent

(01:12:27):
of us, have to get signed up by Saturday. And
I do mean Saturday. It's that critical bell. You know,
it's got to be serious. If I'm keeping my office
open from nine a m. To nine pm, walk in,
bring your mother, bring your father, bring your brothers and sisters, bring.

Speaker 5 (01:12:46):
Everybody that you can.

Speaker 7 (01:12:48):
And I guarantee you just using us as a resource,
when you leave out, you will be able to sleep. This,
I mean, Medicare itself is confusing. Now take now, let's
add all the millions of letters that you've gotten. On
top of that, with all twenty plans in your mailbox.

(01:13:10):
Let's add to that all the phone calls, so beb
this thing can really become overwhelming. Let's add to that
agent's walking straight up to your door without having an
appointment to see you.

Speaker 5 (01:13:23):
So all of that red race, all of that stuff
can be overwhelming. I'm asking you today to trust your
local source. Even after December sement.

Speaker 7 (01:13:35):
Guess what, I'm gonna be right here with BEV so
you can always find Lori on the BEV Show every month.
I'm gonna be right here. We've been here for years now,
so you can trust someone Me, somebody else. From the
Benefit Solutions Group, we host the Sister Strug I mean,
so we are a staple in the community. We really

(01:13:58):
want you to know that we can care for you.
If it's in white Haven Male Roads. You know, I
got a lot of big teams. You know that, people
that are really really strong supporters, and I want you
to know something that we care about you. So call
us nine oh one four or five three six three
four six.

Speaker 5 (01:14:16):
We're waiting right now, and.

Speaker 6 (01:14:19):
Those agents are there at the Benefits Solutions Group. You all,
and Laurie gave you the address twenty seven fifty Colony.

Speaker 2 (01:14:28):
Park Drive that you can go in person. And like
she says, you all, Lauri be there tonight until nine
nine o'clock.

Speaker 5 (01:14:35):
Beam. I'll probably be there till midnight.

Speaker 7 (01:14:37):
I can't.

Speaker 5 (01:14:38):
I can't sleep, so I will probably be there till midnight,
so call us.

Speaker 2 (01:14:45):
And because and Laurie says that, because you have folks
who wait till the last minute.

Speaker 5 (01:14:53):
Yes, yes, I'm one of them.

Speaker 6 (01:14:56):
Yeah, And Laurie doesn't want you to wait till the
last minute, not on this kind of stuff.

Speaker 5 (01:15:02):
I'm there.

Speaker 4 (01:15:03):
I got you.

Speaker 2 (01:15:04):
Because you're trying to let people know what is going on.

Speaker 5 (01:15:07):
Yes, it's it's it's something I'm telling you