Lori Swanigan

We're "Asking the Expert" with Lori Swanigan CEO of The Benefits Solutions Group about Medicare and Medicaid on The Bev Johnson Show on WDIA Radio.

Episode Transcript

Speaker 1 (00:03):
Memphis probably presents the Ben Johnson Show.

Speaker 2 (00:08):
Let me say Bath, I've got stop me first, let.

Speaker 3 (00:18):
Me you say Bath.

Speaker 4 (00:21):
She's gone emphistop game.

Speaker 2 (00:29):
No matter of the problem she can have.

Speaker 3 (00:32):
So just all the phone and the normans on your mind.
She understand you mean in the hair by chilling you
to just keep.

Speaker 4 (00:45):
The thing.

Speaker 5 (00:48):
When a wrangle, I'm pegging out. The Johnson Show.

Speaker 6 (00:53):
Goes, well, I've got.

Speaker 7 (00:54):
Nothing happening here every day, w U d I ain't.

Speaker 8 (01:02):
My bell got me a missed hopping?

Speaker 6 (01:48):
Good morning, Good morning, good morning, and.

Speaker 7 (01:50):
Welcome in to w d I A The Bev Johnson Show.
It is indeed a pleasure to have you with us
once again on this Tuesday, December second, twenty twenty five.
Enjoy this faabulous day to day. We'll get ready as
we take over. As the Benefit Solutions Group takes over.

Speaker 6 (02:13):
Miss Laurie is one again. The CEO is back in
the house.

Speaker 7 (02:17):
She will be talking with us, so get ready to
get your pins and papers. You know how Laurie likes
to shd the good news, so get ready to dial
and ask questions at nine zero one five three five
nine the three four two eight hundred five zero three nine,
three four to two eight three three five three five nine.

(02:41):
The three four to two will get you in to us.
If you cannot call, you'd like to email us a
question for Laurie. My email is Bev Johnson at iHeartMedia
dot com. Bev Johnson at Iheard Me dot com. And

(03:04):
if this day, this here day, Tuesday December two, twenty
twenty five, is your birthday. Happy birthday to each and
every one and y'all out there who may be celebrating
your birthday on this day. You know what we say,
Go out y'all and celebrate your life. You better, you better.

(03:28):
When we come back, we'll talk with the CEO of
the Benefit Solutions Group, Miss Laurie Swanigan, and me Dev
Johnson on the BEV Johnson Show on w d IA

(04:47):
And welcome back to wd I A The BEB Johnson Show.

Speaker 6 (04:52):
It is a Tuesday, December second.

Speaker 7 (04:54):
Yeah, we in December twenty twenty five, enjoyed this fabulous
day to day and as always said, she's.

Speaker 6 (05:01):
Taking over, take it over, She's taking over. Me back
in the.

Speaker 7 (05:07):
House, the c e O of the Benefits Solutions Group,
Miss Laurie swan Again.

Speaker 6 (05:15):
Good morning, Laurie, good morning, good morning.

Speaker 5 (05:17):
How you doing. Oh, I'm happy, I'm happy. We are
in home stretch. Mail, it's time to get it.

Speaker 6 (05:25):
Are you getting it?

Speaker 5 (05:27):
Lord? Lord?

Speaker 7 (05:27):
Wait a minute, Lord, look at the microphone. I'm toping,
I'm looking. I'm going like, okay, what's wrong, what's wrong? Hey, lurd,
I'm looking like, what's wrong? Okay, that's all right, say
good morning again, Lord. So then now they can hear

(05:48):
your listening. But if we are in home stretch, it's
the annual enrollment period and of course on December the seventh,
and that's that's Sunday, Bell Sunday. Okay, y'all, it's come
on now, it's coming to us swift end. We've got

(06:09):
to see you beb If they've got the red, white
and blue car, let's get it popping. You need to
be calling the Benefit Solutions Group at nine oh one
four five three six three four six. Again that's nine
zero one four five three six three four six. But bab,
I'm sorry to get ahead because I know you like

(06:29):
to ask me who we are, and.

Speaker 5 (06:31):
You're right, and I want to tell that.

Speaker 7 (06:33):
But I'm glad you got that number outics so people
will know. But tell our listeners for our first time listeners,
and we welcome you in. And who you probably won't
who is Laurie Swan Again and the Benefit Solutions Group.

Speaker 5 (06:47):
So Lori Swan Again is the CEO FMO of a
very talented team of licensed insurance professionals. We're located here
in Memphis, Tennessee at twenty seven fifty Colony Park Drive. Again,
that's twenty seven fifty Colony Park Drive. It's listen. It's

(07:09):
off of air now Airways American Way and get well roaded.
Or if you're coming from the what is that bear
Mount Mariah.

Speaker 7 (07:19):
At Mabiah American Perkins Perkins, Perkins, yeah, Perkins and malt
Maria well Mount Moriah but Perkins, Yeah.

Speaker 5 (07:27):
You can come from that way, but you're gonna make
a wright left depending on the way that you're coming
on Cherry Road or Colony Park. So I'm looking forward
to seeing each of you. I know, Hey, this is
crunch time, y'all. Hey, this is when the coach calls
the place and I'm calling a plane. You gotta pick

(07:48):
my phone up today. Listen. There are lots of days.
Oh my god. Just on yesterday we had some different
news about things that are going to start happening in
January for our seniors. Oh my god, Bef. I'll talk

(08:08):
about it in just a second, but let me start
saying to you right now. Pick the phone up. Tell them,
Laurie said, just to get my benefits checked out. I
want to make sure my plan is still on the market.
We want to make sure your benefits are still in place,
we want to make sure your providers are still in place.

(08:31):
There is so much to talk to you about, ma'am
and sir. Don't call the TV.

Speaker 6 (08:39):
Unless you see Lorie.

Speaker 5 (08:44):
Like Birdleg said, when you'll or you'll be sorry exactly.
I love it. So start calling right now, because even
if you don't move, I'm telling you I have had
some challenges this week telling people to stay where they are.
They really want to move, and I'm saying, you know

(09:05):
you are in a good place. You know, once we
check your providers, once we check your prescription drugs, because
that is necessary. Listen. This year there are several drugs
beab that used to be covered at a level tier one,
tier two, so that when I say a tierkay, when
it starts at a tier one, that's a drug that's

(09:28):
not that expensive. So that's probably a drug that's like
centiprio met Foreman, those drugs. But when you get up
into the tier threes, tier fours, tier fives, those are
the more expensive drugs, BAB, that cost can be absorbent,

(09:48):
So that could look like forty seven dollars, and a
tier three it could look like, you know, six hundred dollars,
It could look like twenty five fifty percent of the
cost of the drug and so and bab. Some of
the drugs are just completely not covered this year. So

(10:10):
you may be sitting in fact, we just had the
situation yesterday. I posted it on my Facebook page where
this individual's drugs the drugs are going to be thirty
seven thousand dollars. Wow, thirty thirty seven Wow. Now listen,
it is so they passed a law where you know,

(10:33):
the and all of this has to do with the
Inflation Reduction Act. They passed a law that said the
prescription drugs out of pocket costs for you would not
be more than twenty one hundred. But think of the
cost going back to the carrier, which is those plan

(10:54):
names our favorites, and think about what they have to
do as a business to counteract some of the costs
that they're going to have to incur. So you know,
it's a whole conversation. So I need to talk with
you when you call in. We need to have a
discussion about your prescription drugs. Okay, what tier the prescription

(11:17):
drug is at now? Because just because last year it
was a tier one and you may have not paid
anything for it, this year it could be fifteen dollars,
twenty dollars, fifty dollars. Also, the drugs have deductibles, So
based on the plan that you select, your prescription drug

(11:39):
may be have a six hundred and fifteen dollars deductible.
Now let's define deductible. What is a deductible? A deductible
BEV is what you are going to pay out of
your pocket before the plan pays anything. And so with
this particular client on yesterday, the drugs for him was

(12:03):
going to be thirty seven thousand, thirty seven thousand dollars
not paying more. He won't pay more than twenty one hundred, right, bab.
But watch this, The twenty one hundred, sixteen hundred of
it is going to come the first day of January,

(12:24):
so he won't pay more than twenty one hundred, but
the first day of January he will owe sixteen hundred
and fifty seven dollars. Now what does that look like
for your pocket? So you won't pay more than twenty
one hundred for the year, But the first day of January,
based on the drug, you're gonna owe sixteen hundred. So

(12:47):
what do we have to do? Remember that form that
I keep talking about, that RB three form, the form
where you have got to get filled out before January
before you go and get your drugs, so that you
can go on a payment plan. So we can get
you on a payment plan so that that entire sixteen

(13:08):
hundred will not have to come out of pocket immediately.
It will be split into twelve payments. So then he
was okay because he said I can handle that. But
think about the person bell that is not listening to
your show, or the person that's listening and saying, no,
it's not gonna happen that way. Right, you go to

(13:29):
that counter, your drug has moved from a tier one
to a tier four Tier three, and here you are
stuck with eight hundred nine hundred dollars in charges. What's
going to happen?

Speaker 9 (13:43):
Then?

Speaker 5 (13:44):
Now, if you are a young person. And this is
why I'm in this business because I was the point
of contact for my mom. So if you're taking care
of your mother, your father, aunt, uncle, then you need
to be calling too. So if we can get you
both on the line, if I can get you both
in the office, I want to sit and explain it

(14:05):
all to you. Also, there's another resource where we can
pull your information online. We can sit there and we
can look at every drug that you've ever been prescribed.
We looked in that system on yesterday and how about

(14:25):
four or five of the drugs that they had been
prescribed was due to a surgery and they were temporary.
Should have been removed from their charts because you know
that based on your drugs, your insurance policy can change

(14:46):
one way or the other. So say you're getting new insurance,
and even it's even if they say your new insurance
is a none medical. If a non medical doesn't mean
they don't check you report. So if they check your
Medical Information Bureau report and they see a drug like

(15:08):
a cloak pitigrill that's a blood thinner, you see, your
policy is going to be graded. Your policy is going
to be grated. What do I mean by graded? Yeah,
it means that it's going to be costly because that
drug is on your chart. So that's the other thing.

Speaker 6 (15:27):
Bell.

Speaker 5 (15:29):
Please look at the drugs that you're currently taking, the
drugs that you've already taken and are taking no longer,
and be careful to have them removed. I'm admonishing everyone
take some time with your doctor and ask him this
question or her this question. Doc, are there any drugs

(15:53):
on my chart that I'm no longer taking because I
need them removed and a clicking a system they can
remove them so that everything else falls in place.

Speaker 7 (16:05):
Because wait, wait a minute, because if they don't do that, Laurie,
So for instance, that they the drug store might say, well,
you get a refiel and they will refeel it, but
you don't you don't need it or want it, or
because it's expensive.

Speaker 5 (16:26):
Right, So well the drug store could say you need
a refill, right, temporary drug. You're not supposed to have it,
you don't need it. Okay, here's what my point is.
Bel Okay, if it's on your chart and you apply for,
say example, life insurance, Okay, you apply for life insurance
and you wonder why you've been denied the policy for

(16:48):
the policy or you've been graded. And when you have
a graded policy, that means it's going to be more expensive,
and it means that you'll have to live here two
more years before they will pay the entire amount. So
it creates dynamics for you if you have drugs that

(17:09):
grade your policy, which meaning it's gonna make it more expensive,
and that means that they have checked your Medical Information
Bureau report, your m IB report and found that you
have some drugs that will grade your policy. So that's
the life side of things. When we're talking about the
Medicare side. Okay, there are still drugs listed in your

(17:32):
chart that when we check it, you go over to
the plan this drug it may say not covered and
it will take the cost of your drugs up. But hey,
you're saying this drug is I don't take it any longer.
So you need to be clear on where you are
with the list of drugs, the actual drugs that you

(17:53):
are taking bail. So I want to do this. I
want to courage everyone to call our office and get
a free healthcare review. You gotta get a review before.

Speaker 7 (18:11):
The seventh Sunday at midnight.

Speaker 5 (18:15):
Ok, we have a Medicare marathon going on. Right now, yes,
right this very second. It's going to run from December
the first through December the seventh, from ninety m to
nine pm. So if you get hungry, you got questions,
you can call or come to twenty seven fifty Colony

(18:36):
Park Drive. Hey, I'll have some coffee waiting on your
co co few little snacks, but I want to see you.
I'm really, really, really bad. I am engaged in this community,
and I am I don't want to say concerned. I
want to scare anybody, but listen, I want to know
that as many people as possible that we can get

(18:58):
the information that you need to be in good shape
come January. I just want to make sure of that. So, Hey,
if you're good where you are, I say it all
the time, Beff, you're going to stay where you are.
So I want to make sure that you understand what
we're looking at when January makes it here. We want

(19:19):
to make sure your doctors are in place and your
prescription drugs. Call now call the Benefit Solutions Group ninet
zero one four five three six three four six, Hey Garland,
that's what cousin was, Hey, de Bo.

Speaker 7 (19:38):
Hey, So, so Laurie's Laurie's live Facebook.

Speaker 6 (19:42):
That's good.

Speaker 7 (19:43):
So no, no, a lot of our guests do that
and call, but Laurie is here to talk about what
you need to know before December seventh.

Speaker 6 (19:52):
Yes, well, before.

Speaker 7 (19:54):
We go back into that, Laurie, So you're saying after
December seventh, people can't.

Speaker 5 (20:00):
Do what After December saith, the annual enrollment period is over?

Speaker 6 (20:05):
Oh sorry, gotcha.

Speaker 5 (20:07):
So so it's a special period where you can sign
up for a Medicare vastage plan or a Medicare supplement,
the thing that covers you're twenty percent with Cope's or
the mets up that you'll be paying a premium for.
So either way, it is an opportunity for you to
make a choice. It's time to make a choice as

(20:30):
to what carrier is going to be covering your healthcare
coverage to make a choice and benefits. You know, if
it's more dental that you need, you need to choose
the correct plan. If it's more vision, if it's groceries,
if it's over the counter, and we always talk about
those things, beb but I want you to understand something.

(20:53):
Those plans have been designed to prevent you from being
said and going to the emergency room. Because what happens
is if we don't stay close to our doctor, meaning
in the plans, most of the provider co payments the zero.

(21:14):
So if you can go to your doctor at no cost,
and you can go to a specialist for twenty five dollars,
fifteen dollars, forty dollars based on the plan, then it
makes it easier for you to seek access to care.
If not, you won't go to the doctor, you'll get sick,
and then you'll go to the emergency room. When you

(21:38):
have to go to the emergency room, it costs taxpayers.
So they have created these plans for us to get
all of these preventative preventative care taken care of immediately.
So you know, you got mammograms involved at no cost,
You've got colonoscopies, they have prostate screening, all of that

(22:02):
good stuff. It's at no cost in these plans. BEV.
A lot of people ask the question, and I want
to talk about it when we come back about Part
B premiums. Why do I have to pay for that
Part B premium? And that's a loaded question. A lot

(22:24):
of people we are running into bed they have not
gotten Part B. Well, let me share something with you,
and I try to say this a lot. What I'm here.
Let me share something with you. If you don't get
Part B when you qualify for it, guess what, You're
going to be penalized for a lifetime. So I need

(22:50):
you to have Part B. How do you get Part A?
Let's start with part A. Bell since we got time today, Okay,
let's start with part A. So with part A.

Speaker 6 (23:00):
But before you do that, okay, because I'm getting a
phone call.

Speaker 7 (23:03):
Yeah, okay, okay, okay, before you do that, Laurie, Yeah,
because I want to be clear, we'll go to our
phone lines to talk with you.

Speaker 10 (23:11):
Hi.

Speaker 7 (23:11):
Call her, good morning, Good morning, good morning, you're on
the air.

Speaker 10 (23:16):
This is Sharon, Thank you, Yes, certainly is.

Speaker 11 (23:19):
Yesterday was a ball.

Speaker 12 (23:20):
It really was good.

Speaker 5 (23:22):
Good.

Speaker 6 (23:22):
I'm glad you got some great information yesterday.

Speaker 13 (23:24):
Sharp.

Speaker 10 (23:25):
I did.

Speaker 9 (23:25):
I did.

Speaker 10 (23:25):
I wrote down a lot of notes and I'm going
to compare with some other notes and so I can
make a sound decision of what I.

Speaker 14 (23:30):
Need to do.

Speaker 6 (23:30):
Okay, good My real yes was.

Speaker 10 (23:32):
Listening today and I missed the beginning of this section.
What I'm gonna stay quickly, I need to say because
I just want some guidance we'll not guidance. I want
your guest opinion. I'm a stronghold into signing up for Medicare,
believe it or not. Now this is what happened. I'm
almost seventy to seventeen January, so years ago, when it

(23:54):
was time for me to do my thing, I wanted
to know exactly what I was getting into as far
as Medicare. So I called the VA office. I can't
remember to one I called, anyway, and.

Speaker 11 (24:05):
This is what I was told.

Speaker 10 (24:07):
If I did not sign up for Medicare that day,
I would have to pay for all of my medications,
all of my services, all of my treatments and everything
from now on. And it's going to take an extra
long time for me to get my military ID upgraded.
I'm sure I was. Actually I fell, I was being threatened.
That's just the way it came off. And I said

(24:28):
what and seriously.

Speaker 11 (24:29):
She was really really serious.

Speaker 10 (24:30):
He said, you will have to be charged for everything
from not on if you don't get this done. So
I had, I felt had no force, no choice where
to get it done. Then I turn around and have
a lot of good friends, so I asked them, did
this have to you?

Speaker 15 (24:44):
Did?

Speaker 10 (24:44):
I happen to use the said no, half of them
half medicare enough half done? So could she explain to
me what was going on because I can't understand.

Speaker 7 (24:53):
Okay, let me get Laurie so sharing. So you are
a veteran, right, yes, Okay, laurd she's a veteran.

Speaker 5 (25:02):
Listen, Miss Sharon. They did the right thing. And I
don't want you to listen to your friends either, Miss Sharon,
because they're going to be messed up too, because the
VA is no longer considered credible coverage for those who
are trycare for life. So it just depends on what
your STATUSY is. But everything has an individual conversation attached

(25:23):
to it with the VA with them not considering the
VAS credible coverage any longer, meaning there was a time
where you didn't have to have Part B because the
VA was your Part B. You have all gotten letters
now that says that when it's time for you to
get Part B, you need to sign up for Part

(25:47):
B because Part B is the thing that covers your
eighty percent. So they were exactly right. So think about
going into a hospital, a doctor, your maids uh, and
you don't have the proper coverage. They were exactly right.
And and if you don't get Part B when you

(26:09):
qualify for it, you're gonna have a lifetime penalty. So
I'm glad they did. They did the right things. And
guess what, Go and tell your friends, Go and tell
your friends that they need to call the Benefit Solutions
Group like yesterday. Okay, I'm gonna throw my number out there.

(26:33):
That is when I tell you, that's the right thing.
They saved you from penalties, they saved you from the
eighty percent. I mean, they saved you. I'm glad they
did it.

Speaker 10 (26:42):
Okay, I appreciate that answer, and I will pass this on.

Speaker 6 (26:45):
Thank you so much, thank you, thank you, sharing bye bye.

Speaker 7 (26:49):
All right, Lourie, So you were getting ready to talk
about the A, B, C D E.

Speaker 4 (26:54):
Yes.

Speaker 7 (26:56):
Yeah, let's take it slow with that. Take it so, yeah,
please take it slow with that. Okay, we're good, We're good.

Speaker 5 (27:02):
Yes, So let me. I'm gonna finish with these vents too. Listen,
every time we talk to a VT there, Hey, i'm fine,
I'm va, I'm VA, and hey, thank you for your service.
When I tell you, I honor a VENT because because
that flag stands, we have our liberty, and I appreciate
you for everything you've done for this country to serve

(27:24):
particularly our try care for life individuals, because these are
folks who have tired. So you have put in a
couple of tours of duty, a lot of stuff. I
don't know what it all is because I'm not a vet,
but I can tell you listening to our veteran experts,
Ron Thomas at our office and Billion Fraser, that hey,

(27:47):
it cost you something, and it cost you your families,
It cost you maybe Liams, it cost you a lot
for your service. So I honor the vents. But some
new news has come out for you, mister veteran and
missus veteran. You need to get Part B when you
qualify for it. The VA I repeat is no longer

(28:10):
considered credible coverage, so you have got to get Part
B or you're going to receive a lifetime penalty. So
that's the first thing, mister and missus Vett. The second
thing is there are plans with a gift back benefit.

(28:31):
When I say gift back, that means that they are
going to potentially pay you. I mean, so you would
get a credit not in your hand. It's not much
because I've had people saying they will pay me a
checks in my checkular.

Speaker 10 (28:44):
Man.

Speaker 5 (28:44):
No, it's not going to be coming off of your
Social Security payment every month, So that'll be one hundred
and whatever dollars less based on the plan that you
get on. So it's going to give you back money
on your Part B premium. So see, once you get
the Part B, then we're gonna help you pay for
Part B, and not only that, you're gonna get additional benefits,

(29:08):
all of this stuff at no cost. So I need
every veteran under the sound of my voice to call
in and at least inquire, just inquire. I know you're
good where you are, but I've got something to tell you,
mister Ved and Missved. It's good news too, So I
definitely want to hear from our veterans today. I'm gonna

(29:30):
get you over to our experts. They're gonna tell you
how to do mail orders. They're gonna tell you how
to do all of this stuff. They're gonna tell you
the good news about the benefits. But lets beb, I'm
gonna pivot to Part A.

Speaker 6 (29:43):
Okay, so we're gonna go down the line.

Speaker 5 (29:45):
Yes, all right, So beb. There are four parts to
Medicare A, B C and D, A, B C and D.
All right, let's start with Part A, and I want
you to get your Medicare cards out so you can
follow along. So if you have a red, white and

(30:08):
blue card, a red white and blue card, get it out.
Because there are two alphabets on your car. It's A
and B. So A says hospital. Now raise your hand
if you think A covers all of your hospital bills,

(30:28):
I see you, I see you. Yes, you're incorrect. It
does not as hospital, but it's essentially it means room
and board. That's what Part A with your Medicare means.
It also covers things like and what I may say,
cover not completely, so it will. It addresses a skilled

(30:51):
nursing at a at one hundred lifetime days. It addresses hospice,
three pints of blood. So there are a few little
other caveats that you're Part A covers, but essentially it's
room and board. That's Part eight. Part A also has

(31:13):
a deductible attached to it. Let's define deductible again. A
deductible is anything that you are going to have to
pay out of your pocket. So there is a seventeen
hundred dollars deductible BEVE that's going to have to come
out of your pocket for Part eight. How do you

(31:35):
get Part A? Great question? You get Part A. You
earn Part A by having worked forty quarters, so you
must have worked forty quarters. That is ten years. But
the reason that we say forty that's four zero. The

(31:59):
reason that we say forty quarters is because I've met
some people BEV who are short one week of a quarter.
So it is absolutely positively forty quarters. So that's Part A.
You earn it, and then you're charged a deductible of
over seventeen hundred dollars for Part A. But I've got

(32:23):
good news now about those deductibles, so hang on in
there with me. So that's A. We got A. All right, Now,
let's go to Part B. That is the B on
your Medicare card. So with Part B, Part B has
several things attached to a BEV, so it's got a

(32:44):
deductible of over two hundred and forty dollars. I think
it's two fifty seven now. So now let's add the
Part A deductible of over seventeen hundred dollars, and let's
add Part b's deductible of over two fifty. You're already
looking at almost two thousand dollars of a deductible that

(33:06):
you would have to pay out of your pocket if
you didn't do the next thing that I'm going to
talk about. So, your Part B has its own deductible.
Part B also has a premium. Now a lot of
people will ask the question, why, after all these years

(33:29):
that I've worked, do I have to pay for Part B?
Why so right now Part B is yes, I can.
That's a marketplace, Miss Caroline Watson. Yes. Part B is
actually the thing that covers eighty percent of your healthcare.

(33:52):
Part B it covers eighty percent of your health care.
So think about going in an emergency room. The emergency
room visit is three thousand dollars. The Part B premium
may come in and cover eighty percent of that. Think
about going in a hospital room. The hospital room is

(34:13):
three hundred thousand dollars. Let's just make it. Let's round
the numbers up. Your hospital bill is one hundred thousand dollars.
Par B is gonna kick in and pay how much.
You're exactly right, It is going to pay eighty thousand
dollars of the one hundred thousand dollars. So a lot
of people will say, I don't want to get a

(34:35):
Medicare advantage plan. I can't afford a Medicare supplement, ma'am
and sir, who in this world, with the exception of
the one to three percent, can really afford twenty percent
of a hospital bill? And even if you can, can't
you find something else to do with that money? I

(34:57):
think you can, So why not just be covered so
that we don't have to encounter that? So that's Part B.
Part B has a deductible, It has a premium right
now at one to eighty five, but guess what that
amount is going up to two oh to ninety, two

(35:20):
oh to ninety So I want you to know that
Part B is getting ready to get more expensive for
you starting in January. But guess what, there's hope. So
if you get the next thing that I'm talking about,
and this is what we've been talking about now, a

(35:42):
Medicare advantage plan or a Medicare supplement. So if you
get a Medicare advantage plan, guess what it is going
to wipe away that part A premium that I talked about.
Remember the seventeen hundred plus it's going to wipe that away.

(36:02):
And it's also going to wipe away the Part B premium.
So but it's not going to I'm not the premium,
but the deductible. It is not going to take away
the Part B premium. But we do have potential programs
that will even help you pay for that. So now
Part B is the thing that covers your eighty percent. Right,

(36:25):
if you don't get Part B when you're supposed to
have it, you are going to have a lifetime penalty.
Lifetime penalty. So listen to me, even if you're not sick.
I've had a lot of people to say they're not

(36:47):
going to get their drug plan, which is your Part
D D for David. They're saying they're not going to
get their drug plan because they don't need drugs. How
the federal government did not base it on whether you
need drugs or not. They are requiring everyone. Everybody has
to have traditional medicare, which is going to be your

(37:10):
A and B, no C. Now that's just traditional medicare.
So it's A and B and D for David. For drugs,
that's a requirement, that is the law. If you don't
have Par B when you're supposed to. You're gonna get
a penalty if you don't have Part D for drugs,

(37:30):
you're going to have a lifetime penalty. Part b's penalty
is ten percent year over year. Part DS is one
percent of the national growth average. What does that mean?
The Social Security Administration is gonna calculate that for you.
So I want to make sure.

Speaker 6 (37:49):
That means they will take out yes, social Security.

Speaker 5 (37:52):
That means yeah, with your Social Security check, you're going
to have a penalty coming out as well if you
don't get it when you're supposed to have it. So
now let's talk about So that's D for drugs. Let's
talk about C, Parts C and d is lor re.

Speaker 6 (38:14):
Remember what that's what it is. That's what it is,
Part C.

Speaker 5 (38:17):
And d is LORI. So Part C Part C can
neither be Which is the thing that's going to cover
the what twenty percent that your Part B does not?
Part B covers eighty percent. Part C is going to
cover the other twenty percent through a Medicare advantage plan

(38:38):
with copays. Remember that with copays. So I want you
to understand that your Part C covers the other twenty
percent with copeys. So you can have your Medicare advantage plan,
or you can have a Medicare supplement. Now, if you

(39:00):
have a Medicare Advantage plan, which is Part C, it
comes with a Part D. It is coupled with a
Part D. If you have traditional Medicare with it, which
is your A and B, you have to purchase D.

(39:20):
Excuse me. If you have a Medicare advantage plan, it
is going to be coupled. It is going to becombold
with Part D. So that's the difference. Also, if you
have a Medicare supplement, you get a Medicare supplement, it

(39:41):
is also going to cover the twenty percent that Part
B does not, and you're also going to have to
purchase a prescription drug plan. You're going to have to
purchase it. So, for example, with a Medicare supplement, I
want y'all to know.

Speaker 7 (39:58):
I'm frowning because it's it sounds so complicated, Laurie.

Speaker 5 (40:02):
Yeah, but that's why you need to call.

Speaker 6 (40:04):
That's right. Can you make the call?

Speaker 7 (40:05):
Okay, Laurie, you haven't thrown out that number. Oh it's
not good, Hey, throw out that number.

Speaker 6 (40:12):
So people, laur.

Speaker 5 (40:15):
It's nine oh one four five three six three four
six again that's nine oh one four five three six
three four six. Or listen, come on in that door.
Were waiting on you. Yeah, I've got twenty agents at
that office waiting to talk to you today, tomorrow, the
next day through Sunday. I want you to walk in

(40:36):
that office. Last year we had people coming in at
eight thirty, nine, ten o'clock at night. We're gonna be
right there waiting on you if you have not yet
made a decision about your Medicare advantage plan or your
Medicare supplement. Now is the time? Call us at nine
zero one four five three six three four six. Again,

(41:01):
that's nine oh one four five three six three four six.
And so now let's tell up talk about this Medicare supplement.
Because we're always talking about a Medicare advantage. But if
you have a Medicare supplement, you're the person that says,
I want to go to any doctor I want to
go to, I want to go on the hospital, and

(41:22):
I don't want to pay a time. Well you won't
because you pay every month whether you go or not.
Medicare supplement started about one hundred and fifty two hundred
dollars per month, and they are going to increase every
single year. That's a mets up. Now, with a Medicare supplement,

(41:44):
you are also this is going this is the Part
C part that we're covering here with a Medicare supplement,
you're also going to have to get a Part D
prescription drug plan. And listen, I want you to know something.
I'm not a partial to either one of them, either

(42:04):
one you choose, so we're not. We don't steer people.
That's why we write for nine different carriers. So it
is what is best for you? What is what are
your needs? How do we meet those needs? You know?
Are they meeting your prescription drug requirements? Are your docters
in network? We do all of that. But you have

(42:26):
a choice. So if your B Part B covers eighty percent,
you have a choice with Part C to cover it
using a Medicare supplement. That's going to require you to
add a part or a Medicare advantage plan that comes
with PARTD. So Bell tho that is your Part A, B, C,

(42:51):
and D. I know we talk about the groceries and
the dental and the vision. All of that stuff comes
with your Medicare advantage plan. If you choose a Medicare supplement,
those things will be an additional cost, so that mass up,
you know. I'm telling you now that thing is for
the wealthy, that's for sure, or for people who can

(43:13):
truly afford all of the additional costs are take it back.
It's not for the wealthy, but it's certainly for the
people who can afford the cost of it. Medicare advantage plans. Hey,
if you don't use it, you don't buy anything. So
what is it going to harm you to have it
when you need it? Would you rather have the Medicare

(43:35):
advantage plan that most of the plans, most not all,
but most of those plans cover you at no cost,
you know, the premium per month, you know, and you'll
have copais versus not having anything. I'm just gonna stay
with my traditional Medicare. Well, got some things coming in January, y'all.

(44:00):
You make the call now. We can get you fixed up,
we can get you situated, we can give you courage,
we can give you an assurance that when January comes,
you're gonna be okay. So do me a favor. I
see you, miss many, I see you miss maymy pick

(44:22):
up the phone for me. Call nine oh one, four
five three six three four six, and you will be
so glad you did call us now, or come on
in the office. I've got agents there. They are so excited.
I tell you what. Either Veronica or Ruby Brewer is

(44:42):
probably in that kitchen cooking up some eggs and bacon,
and they are getting ready to see our babies. I
call my singings my babies because my mother was although
of course you know she wasn't. But she's my boss
and she made sure she I knew she was all
the time, and I love her for it. I missed

(45:03):
my mom so much. It's the holiday's bed. But yeah,
but I want to make sure I continue the journey,
continue the work. It's real, it's valuable what we do
here in every community that we serve. Now, we're not
just in Memphis. We are in Louisiana, New York, North Carolina,

(45:26):
South Carolina, Arkansas, Mississippi, Tennessee. The I love Arkansas. I'm
from Brinkley, Arkansas. I'm from from a small town and
I've got a couple people I need to go down
there and help, and I'm gonna make it. Don't give
me up. I work in Memphis, haf AN office in Memphis.
I live in Mississippi, so certainly the Tri state area,

(45:49):
you know, that's my stoming grounds. But listen, we will
travel anywhere. We've got agents at your front door. You know.
I call ourselves your local agents everywhere. The Benefit Solutions
Group is your local agents everywhere. So I want you

(46:12):
to trust us as your trusted resource. When you have
a question, call us nine oh one four five three
six three four six Hey, or listen, call on in
to the phone number right right.

Speaker 6 (46:27):
You can call in ask Laurie is here.

Speaker 7 (46:30):
She will be here until one o'clock 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 Laurie. And if you just can't call, I know

(46:50):
some of you may be at work and listening wherever.
Email me your question for Laurie. Bev Johnson at iHeartMedia
dot com. Bev Johnson at iHeartMedia dot com.

Speaker 6 (47:04):
Get your questions answered. Laurie. Want to show you something,
So this is mine Bell.

Speaker 5 (47:12):
Got a Minican COO. I love it.

Speaker 6 (47:15):
Well, okay, so I'm showing you this.

Speaker 7 (47:19):
I'm sure I showed Luri my it says Medicare Health Insurance.

Speaker 5 (47:24):
Yes.

Speaker 6 (47:25):
Now, and I.

Speaker 7 (47:26):
Wanted Lord because we all want to talk about this, Laurie.
So this is what it says, y'all. Yeah, I'm telling y'all,
I'm still a cougar, but I got this Medicare, Lourie.
And so I have a Medicare Health insurance card. As
Laurie always said, red, white and blue. Yes, I know,

(47:47):
y'all thought I was still forty five anyway, but anyway,
but on on it, Laurie. It says hospital part A
benefits only.

Speaker 5 (47:59):
Yes, Ben, I'm glad.

Speaker 7 (48:01):
So my card says, y'all, hospital part A benefits only.
So what does that mean to me and other people
who may have the part because its part A only
benefits only.

Speaker 5 (48:16):
Yes, Beb, I'm glad you said that because yours is safe.

Speaker 6 (48:20):
Mine is safe. You're saying, So what does that.

Speaker 5 (48:22):
Mean because you have Implore your coverage.

Speaker 7 (48:26):
Yeah, I'm still working, Yes, so I have my iHeart.

Speaker 6 (48:31):
I have their.

Speaker 7 (48:32):
Assurance insurance, which is Blue Cross, Blue Shield excellent.

Speaker 5 (48:36):
So your employer covers the same thing that Medicare covers. So,
in Layman's terms, if Medicare covers the eighty percent with
the part beat. That means your employer coverage iHeart has
to match that for it to be considered credible coverage.

Speaker 6 (48:55):
Okay, so that's.

Speaker 5 (48:56):
Why you have a only because your bat is iHeart.

Speaker 7 (49:00):
Because I know when I went to doctor a nurse
and she said, I told her what I have, I said,
but I haven't used it yet, So I don't have
to use rhyme because I have employee insurance.

Speaker 5 (49:12):
Yes, yes, but now listen, bell, Okay, tell me you
have sixty three days to get yourself covered if you
ever leave.

Speaker 6 (49:23):
I heeart sixty three days.

Speaker 5 (49:26):
Sixty three days, Bell. So a lot of people think, hey,
I've got the ninety days like everybody else, Right, you
got the three months before the month of three months after.
You do not if you have employed your coverage when
you leave. Oh bb listen. It is also the time
to make a decision. Are you gonna go with a
Medicare supplement? Because at the time that you leave your

(49:50):
employ your coverage. You're a great candidate for a Medicare
supplement because it will be a guaranteed issue, meaning you
could be leaving your your employer with the big C word.
You could have any type of disease going on and
guess what, You're going to have guaranteed issue. That means

(50:13):
with that Medicare supplement, they're going to give you a
medics up anyway, it's guaranteed issue, meaning it won't be underwritten.
You'll be able to get a Medicare supplement and they
will not do health questions. So I want you to
make sure you consider a Medicare supplement when you are

(50:37):
leaving your employer coverage because after that they are going
to underwrite it. So I want you to consider that.
So the other thing is with a Medicare advantage plan.
At the time that you are leaving employer coverage, with
your Medicare advantage plan, you're going to have sixty three

(51:00):
days to get your coverage from your employer coverage. So
be very careful with that. If you are thinking about retiring,
I'm gonna go on through this number out here ball
again nine zero one four or five three six three
four six? What are you waiting on? Pick up the phone?

(51:23):
I know, I know, mister John, mister David. I know
you're tired of your phone ringing off the hook.

Speaker 11 (51:31):
I know.

Speaker 5 (51:33):
Let me help you with that as well. Come on in,
I've got a blanket drive coming up. I think we
will saying this tomorrow, but we may delay it until Friday,
but you can call the office and I'll give you
a definite on that because I'm gonna be giving out blankets.
We're going to be partnering with Memphis like gas and

(51:55):
water because as you know we did, we gave out
turkeys for the holidays. We gave our hens and hams,
and I cannot tell you the feeling of giving feeding
the needy. And Michael Dockery and his mother were feeding
the needy. They actually shipped some boxes or had some

(52:18):
boxes delivered over to the office. You don't understand the pleasure,
the honor it was to take these boxes to seniors
in need. So if you are a senior in need,
I'm gonna be giving away some coats, hats and gloves
and scarfs. So this is so exciting and it makes

(52:43):
me feel so good that I can bless people. I'm
a blessed I'm blessed to be a blessing, and so
I want to bless you. So if you know somebody,
y'all come in my inbox on Facebook. Lorie Swannagan on Facebook.
I don't even know my Facebook handle. Call the office,
Call the office, Call the office. Do not text me

(53:05):
because it's going to get lost in the other text messages.
Call the office at at four five three six three
four six. If you're that person you need a coat
for the winter, you call my secretary. Call. Oh, you
don't want to recall secretaries, call my executive administration and
call five six five zero zero five six five six

(53:28):
five zero zero five six called Veronica. Uh, if you
need a coat for the winter, whether it's already so
cold out there, bed So we want to be a
blessing to singers and give out the coats, scarves, gloves. Now,
the resources are limited, so I really want people who

(53:48):
are seniors who are in need let them get it.
We've had hands and hams and turkey giveaways, but this
time I want to give away coats, gloves, scarfs. I
want my babies to be warm. And we're also partnering
again with Memphis like gas and water. So I'm gonna

(54:10):
call her or later today. Beverly, you got a call coming,
and I'm excited to do that. It's an exciting time.
It's holidays, Bell, and.

Speaker 6 (54:20):
I'm glad you said that.

Speaker 7 (54:21):
Laurie it is the holidays and we're gonna break And hey, Laurie,
it's the holidays, and I thought for the holidays.

Speaker 6 (54:29):
Yeah, let's do this for Lourie and you all.

Speaker 7 (54:32):
We are talking with the CEO of the Benefits Solutions Group,
Laurie Swan again, and we invite you to call nine
zero one five three five nine three four two eight
hundred five zero three nine The three four to two
eight three three five three five nine The three four
to two will get you in to us. You're listening

(54:56):
to the Bev Johnson Show on w.

Speaker 15 (55:00):
I a.

Speaker 16 (55:04):
Tabload merry crismas Apple keeps up to talk to again,

(55:26):
up round time turning play whiles my cant is just
ris a merry buss.

Speaker 4 (55:41):
My best friends having.

Speaker 8 (55:43):
The party and taping told.

Speaker 4 (55:50):
I know it's gone off a lot of fun.

Speaker 8 (55:52):
Oh, by the way, it's no.

Speaker 16 (56:00):
Play Tad and is playing while she does my time.

Speaker 15 (56:07):
I can't.

Speaker 8 (56:08):
It's just to her jee WUIs it's Chris.

Speaker 4 (56:17):
It's funny that I have talked to wy Caro and
time is the time. I haven't play you.

Speaker 8 (56:30):
All A dollar year is cast and I can't even play.

Speaker 4 (56:37):
Don't tell on me? Probably not.

Speaker 16 (56:39):
Plenty of bed I had a lot as jeuis in crises.

Speaker 4 (56:50):
So don't talk him.

Speaker 8 (56:52):
To party that the deploying.

Speaker 4 (56:58):
The one that appload.

Speaker 8 (57:01):
Lightly be deloying.

Speaker 16 (57:08):
By long said was taken bers out. Why class time,
my tads just.

Speaker 8 (57:17):
To say, geez wise, it's Christmas.

Speaker 4 (57:26):
I'm pushing you can don't pat gee please.

Speaker 3 (57:51):
Lie lofe.

Speaker 15 (58:00):
Telling you.

Speaker 6 (58:17):
And welcome back to w D I A Memphis, the
heart and soul of Memphis. Yes we are.

Speaker 7 (58:25):
We are our takeover with the CEO of the Benefit
Solutions Group.

Speaker 6 (58:31):
Yeah, Laurie Swanigan is in the house. Laurie.

Speaker 7 (58:34):
I'm going to the phone line. I got Beverly. I
hope Beverly is still there. Beverly.

Speaker 6 (58:40):
Hey, I'm hanging, sist. I'm hanging I'm hanging with Laurie today.

Speaker 10 (58:46):
Don't let go.

Speaker 6 (58:48):
Hang on, let go Beverly. I'm holding tight, sister.

Speaker 8 (58:51):
If you got a Medicare.

Speaker 5 (58:52):
Card, you better hang out. I'm hanging tight.

Speaker 6 (58:55):
I shouldn't word my man. I had to tell. I said,
I know these folks thought out. I'm young.

Speaker 17 (59:03):
I shoh o, Lord, I let the secret now, Oh Lord,
I have let the secret out.

Speaker 10 (59:15):
I'm so.

Speaker 7 (59:18):
I know, Lord, I know I know, Lord in Beverly,
but Beverly, that's okay. I'm still a cougar, you know, hey,
Beverly and Lord, I'm still a cougar with.

Speaker 6 (59:30):
My red, white and blue car.

Speaker 18 (59:37):
Like.

Speaker 7 (59:37):
No, Lord, you like some that's right, sister, that's right,
that's right.

Speaker 10 (59:45):
Tell me you go how you're going this?

Speaker 5 (59:49):
Lord, well, thank you for calling ed. How can we
help you?

Speaker 10 (59:54):
I have a portion. I'm just can your mars home
the information you was given there. If a person has
a Medicare card like bel.

Speaker 6 (01:00:10):
Don't Beverly here.

Speaker 19 (01:00:15):
Bail and she's still walking like Bill, and she has
coverage through her employers, she don't have to use her
Medicare card.

Speaker 5 (01:00:26):
No, you don't have to have part BAT.

Speaker 19 (01:00:30):
No, I mean what about not bought Part.

Speaker 10 (01:00:33):
B but anything like.

Speaker 7 (01:00:38):
Beverly, I haven't used it. I have not used my
card because okay, because I'm covered yeah, with my my
employee insurance.

Speaker 10 (01:00:49):
With with with with all that, okay, okay, So okay,
so you can still work.

Speaker 7 (01:00:56):
You can work if you work, Beverly and Lord can
tell me, right and work and your employee has insurance.

Speaker 6 (01:01:03):
You don't have to take the Medicare.

Speaker 10 (01:01:07):
Okay, you don't. I have not used it, sister, Okay,
they are use some moniting.

Speaker 5 (01:01:16):
No, she didn't get part of B. Now it's an
A only. It's A only, so so you don't she's
a pay for Part B yet. But but if you
turn sixty five, you do need to go ahead and
get your Part A. You do, and then once you
leave your employer, you have sixty three days to add
your B.

Speaker 19 (01:01:35):
Okay, now she she got the part A.

Speaker 10 (01:01:38):
Okay, so that covers like hospital.

Speaker 5 (01:01:40):
Right, yes? No, yeah, so it says hospital on the car,
but essentially it's room and board, it's hospice, it's long
term care, it's it covers a few things like that
at a certain percentage.

Speaker 10 (01:01:53):
But it is could be that you have to go
into the hospital.

Speaker 5 (01:01:57):
It'll cover.

Speaker 10 (01:01:59):
Okay, she can use both of her plans.

Speaker 19 (01:02:02):
She can use the Medicare and her employee and they
will everything will be COVID at one hundred percent.

Speaker 5 (01:02:07):
Well, no, I can't say one hundred percent because I
don't know what her employer coveraging is.

Speaker 10 (01:02:12):
Okay, yes, I got you one last question. Do you
do marketplace?

Speaker 5 (01:02:18):
Yes, ma'am, Yes, after seven, after December seven, we're gonna roll, yes, ma'am.

Speaker 10 (01:02:24):
Okay, okay, alright, all right, thank you so much, thank you.

Speaker 5 (01:02:29):
I'm glad you asked about Marketplace because, uh, we're we're
waiting on them to make a decision as to what
they're gonna do about it. No, you know, they're still
in the air.

Speaker 19 (01:02:39):
Yeah, and they want to play their plaion about December fifteen,
so they becovered January first, right.

Speaker 5 (01:02:46):
Yes, yes, Now, letters are already going out from those carriers,
the Ambetdas of the world, all of those folks. Letters
are already going out, so people know where they staying,
and it's pretty scary for them. Oh and me right sure, yeah,
So I'd really rather people kind of wait a little

(01:03:07):
bit to see what they're going to be doing with
these subsidies.

Speaker 10 (01:03:12):
What they don't have much tongue.

Speaker 19 (01:03:13):
January one, what four weeks from now?

Speaker 5 (01:03:16):
I think you have to January fifteenth to do it.

Speaker 10 (01:03:19):
Oh okay, okay, okay, okay, Miss Robbie, thank you.

Speaker 5 (01:03:26):
I'm honored you got a whodome son, Yes you do.

Speaker 7 (01:03:32):
And Beverly, let me tell let me tell you. I
saw the picture of you and coach and you all
look fabulous at the w D. I A I hadn't
seen you in a while, but I said, oh, look
at Beverly and coach.

Speaker 10 (01:03:46):
Yeah you know I want that dress she had on
that night.

Speaker 5 (01:03:49):
Okay, beautiful, beautiful.

Speaker 6 (01:03:57):
Okay, with going back, Lord to the phone lines, I
have folks waiting for you. W D I a high caller?

Speaker 14 (01:04:06):
Hey Bill, how are you doing, hey, common man?

Speaker 20 (01:04:10):
Yes?

Speaker 14 (01:04:11):
Yes, yes, hey hey Lord?

Speaker 13 (01:04:13):
Hey you doing hey Bill?

Speaker 11 (01:04:14):
Yes?

Speaker 14 (01:04:15):
Okay, good I called. Uh, I called to speak to Lord.
But if you will, can I just say thank you
to people in general before I get the lawyer real quick, No.

Speaker 5 (01:04:25):
You cannot wait twenty minutes. Be a superman.

Speaker 6 (01:04:28):
Now that.

Speaker 5 (01:04:32):
We got to get some important information.

Speaker 14 (01:04:34):
Now, come on, Okay, what's your question you No, no,
I didn't have a question. I just want to say
thank you. And I skipped the first part, but thank
you to Lourie for your giveaways, and especially when you
talk about these seniors. You want to you want to
reach out and help these senior state warming stuff. That
touched my heart when I heard you say that, and

(01:04:56):
so I just want to say thank you for your
compassion for people.

Speaker 5 (01:04:59):
Thank you coming now that's what that's sweet.

Speaker 20 (01:05:01):
Thank you.

Speaker 5 (01:05:02):
I appreciate it. Well, it's from my heart. I want
you to know that I'm not doing it for right.

Speaker 14 (01:05:07):
Yeah, no, I can hear to your voice. That's why
I called because I know you're doing a different show.
But I just wanted to acknowledge you and let you
know that people appreciate it.

Speaker 21 (01:05:16):
Thank you, know wow, thank you all right, thank you,
appreciate you.

Speaker 7 (01:05:21):
You're welcome. Bye bye, yeah devil, Yeah yeah, w d
I a high caller.

Speaker 11 (01:05:27):
Hey Bell, how are you doing this morning? I'm doing
you started this afternoon.

Speaker 6 (01:05:31):
Yes, afternoon, I'm doing fabulous.

Speaker 5 (01:05:33):
That's your fisk guy.

Speaker 6 (01:05:34):
Yeah, Prince of the jaw.

Speaker 7 (01:05:35):
But let me give you proper indidustry, Prince of the Jewel,
the dear Slayer, the crappie Killer, the catfish King.

Speaker 11 (01:05:47):
I take all those alkylades. Thank you very much for
giving them to Medull. You love out one more, but
we'll talk about that later. To oppigate me. Okay, good
afternoon to your collage and listen. How are you doing this, Laurie.

Speaker 5 (01:05:59):
Hey, I'm glad you boys.

Speaker 11 (01:06:04):
Happy holidays to you two as well, and to you
and your family. You know what, every time I'm sitting
at home, especially in the evening times, and I see
your commercial with you and your son. Gods look like
y'all having a wonderful time doing that commercial, and y'all
look like y'all just so happy together and.

Speaker 5 (01:06:21):
It's God's work.

Speaker 11 (01:06:23):
Okay, great, that's even better. But I love watching your commercial.
And you know when I look at I got to
see how he has grown from his very first commercial.
So now I said, this guy is spreading. I mean,
he is not wasting no time. But any and anyway,
my reason for Colin, I hope it's a conjunction on
what you're talking about. You know, we got the healthcare,

(01:06:43):
the National health Care, what they call their Obamacare. Where
did that fall? And do you believe in your opinion
that people should sign up for the what they call
their Bamacare, the National health Care or not? And I'm
gonna give you my reason why. I just you with it,
but I want to hear your take on it.

Speaker 5 (01:07:02):
Well, you gotta have something, right, you gotta have something
because health care is, oh, it's so expensive, it will
bankrupt you. And they are really doing collection activity on
your medical bills and we just don't know from day
to day what will happen to us. So you need

(01:07:22):
to have something in place. I don't know what that is,
but there needs to be something that's going to take
care of your health care. So here's my other my concern,
and I can say I'm concerned about Obamacare. When they
remove that subsidy, Lord, have mercy, some plans will go

(01:07:45):
from six hundred to sixteen hundred to eighteen hundred to
twenty five hundred dollars a month. Who can afford that?
One of my friends, she's a doctor. She called me
and she's a lord. My plan went to twenty five
hundred dollars a month. So that's the part that's really
really concerning me. I haven't even looked at mine yet
to see what it's increasing too. But huh, you know,

(01:08:08):
I don't know. We We've got to have something in place, though.

Speaker 11 (01:08:11):
But miss Laurie and baptisted. So let me ask you this.
Do you think it's fair to make people pay for
something they do not want?

Speaker 5 (01:08:20):
Yeah? But what happens when you go to the emergency room?
How do we pay the doctors? How do we pay
the new I get.

Speaker 11 (01:08:26):
That, But what I'm asking for those who don't want
this here care of health care plan? Should they be penalized?
But not having it because you know as well as
I do, Deathing and Laurie if se they if they
don't sign up, they get penalized regardless. Am I correct
when I say this?

Speaker 5 (01:08:42):
Well, you know, they remove the penalty. So I was
appreciated them that. Now I was. I was so against
the penalty because the irs actually wrote me, and I
probably get myself in trouble with ours with this.

Speaker 22 (01:08:56):
One, but they wrote me in trouble with them. Come on,
all right, right?

Speaker 5 (01:09:01):
They wrote me and said that I didn't have my
son covered and they added an additional penalty to me
when his father had him covered. They didn't even seek
to do their due diligence, and they gave me another price,
an additional penalty. I did not appreciate it. I'm still
not okay with that, and I'm glad they removed the penalty,

(01:09:23):
So I just have to be transparent about that. I
don't like the situation that we're in with our health care,
and our status with this health care is just scary.
It's gonna definitely keep some people up at night.

Speaker 11 (01:09:35):
Okay, let me let me say this real quick. I
know that I'm a northern Northern Northerners to the North
which I'm talking about Canada, which they got complete health
care for which I have been told, well, here's the
country right above us, this guy completely free health care.
Why is the United States claim that they're the best,

(01:09:56):
the biggest country, they're a better country than all others,
but they cannot take care of their citizens when it
comes to healthcare. This has always been a walk in
the park when it comes to taking care of our citizens.
I look at this way, beb and Miss Laurie, is
that we can spend tons, billions and trellions of dollars
on other countries and foreign age the other countries, but

(01:10:17):
we cannot simply take care of the people in our
own front yard with healthcare. To me, I feel like
a lot of the health care providers they're doing a job,
but they overcharging healthcare. Now even an example, you got
the Influence shot, which years ago they were paying ying
Yang for a shot. Now you get it for like

(01:10:37):
with thirty forty bucks. So they're just telling me that
they were doing it for a profit.

Speaker 23 (01:10:42):
Not for the people.

Speaker 11 (01:10:44):
So that's why I'm biitter when it comes to things
that it's nature because we do have a system in place.
I feel humbly that we can take care of all
of our citizens. It's a corporate part of it. Stop
knuckling Diamond, every one for to get themselves, to have
get themselves head for their constituents. What's up, Jackson? And

(01:11:07):
that's that's why I'm I'm blessed because I'm a veteran,
so I'm locked into that. So I don't really too
much have bad. I have to worry about that, Laurie.
But I'm thinking about the other people when they have
to decide whether or not they're gonna feed themselves, pay
for utilities, for other medications and things of that nature.

Speaker 13 (01:11:23):
They have to look at that.

Speaker 11 (01:11:24):
And when they do, Laurie, you know, well as I
do that that stuck between a rock and the our plate,
what do you do? And senior citizens is gonna have
it rup especially because they're gonna fix income. I'm can
you talk about that?

Speaker 13 (01:11:38):
Yeah?

Speaker 6 (01:11:39):
I could talk about that all day.

Speaker 5 (01:11:40):
That's sixty four year old that you know, the the
new thing that he has coming out with the eighteen
to sixty four having to work, right, you got.

Speaker 11 (01:11:54):
But you said, if you said eighteen and sixty four,
sixty four year old people able by has to work.
What's wrong with that?

Speaker 5 (01:12:02):
Well to sixty four?

Speaker 11 (01:12:04):
Sixty four is a long Okay, there's a lot of
sixty four year old people just don't mind working. I'm
actually if they able to work, why not.

Speaker 5 (01:12:12):
Yeah, it's gonna be something because some of those folks
have retired and to go back to work twenty hours
a week.

Speaker 4 (01:12:20):
I don't know.

Speaker 7 (01:12:21):
So well, I guess that part, you know if Prince
and we get it. But but that's those kinds of
things that you brought up. That's why we need to
be hitting our congressman. See, they need to be up
there working, but they're doing all this foolishness.

Speaker 11 (01:12:35):
But Prince, if they did that because because they just
signed because people are on Democrats side with I agree
with them on somethings, some things I don't if they
could have helped out, they could have hit all these things,
put in provisions to have these things in order, but
they didn't. They went on the side because the pretty
much had to throw a crushold on it.

Speaker 7 (01:12:55):
Well, and then you and I get it. They people
wanted to get back to work. People weren't getting paid.

Speaker 6 (01:13:01):
So it's a lot of stuff. Yeah, okay, Prince, we
thank you. Prince.

Speaker 11 (01:13:05):
Thank you that you guys have a beautiful blast, safe
and healthy and warm date. I love this swether.

Speaker 7 (01:13:11):
I do tell you bye bye bye bye, Prince. Let
me see who's here Lord before you get back.

Speaker 6 (01:13:16):
W D I a hi caller.

Speaker 10 (01:13:20):
To do bell John, Hey Daddy, you have a question
for Lord.

Speaker 6 (01:13:28):
Turn your radio down a little, daddy so we can.

Speaker 11 (01:13:34):
Y'all in the y'all go hear that day. I love this.

Speaker 6 (01:13:39):
I got a for the Okay, what's your question?

Speaker 11 (01:13:43):
That hold on ben, turn it out?

Speaker 20 (01:13:45):
Yeah, turn that worked here.

Speaker 11 (01:13:47):
I got border credits with the schools here, and that work.

Speaker 6 (01:13:53):
Little daddy.

Speaker 7 (01:13:54):
That's that's that's what social Security Lord and I did.
She she's not a social Security.

Speaker 5 (01:14:00):
We ain't sey. We ain't seeing him yet. No, by
you have not seeing him at the office yet. And
you take my fifteen moment.

Speaker 7 (01:14:13):
Yeah all right, thank you, little daddy, say call her office.
I don't know if you've been calling his office. W
D I a high caller.

Speaker 21 (01:14:26):
Thank you for taking my coll How you I'm doing well?

Speaker 6 (01:14:29):
Black conservative in yourself.

Speaker 24 (01:14:31):
I'm doing good.

Speaker 21 (01:14:32):
Hello again, I see y'all whining and complaining again about
my president what he's doing.

Speaker 6 (01:14:39):
We're not talking about President.

Speaker 7 (01:14:40):
We're talking about this is annual enrollment Black Conservative.

Speaker 6 (01:14:44):
You have a question for that? It ends on Sunday.
Laurie is trying to get this information out.

Speaker 21 (01:14:51):
Well, I hear them talking, Charlie talking about food stamps
age at the lady.

Speaker 5 (01:14:58):
Yes stamps today.

Speaker 6 (01:15:00):
No, we didn't. It wasn't about food stamps.

Speaker 21 (01:15:03):
Do you have a question for Laurie opening the roll
win for for what.

Speaker 5 (01:15:11):
The annual and Roman period is for individuals who have.

Speaker 1 (01:15:14):
Watchare Medicare is about medicare or matter have an arade mind,
don't man much Buckland, I know exactly I know about.

Speaker 21 (01:15:26):
I know about medicare.

Speaker 13 (01:15:28):
I bet I know about that.

Speaker 21 (01:15:30):
Let me tell you this here what what the medicare? Well,
you know we with medicare. All these laws already fixed laws,
they are already there. You know what you need to
do to apply for medicare.

Speaker 7 (01:15:41):
And some at Black Conservative. That's why we have Laurie
today because some people.

Speaker 6 (01:15:46):
Don't know what to do.

Speaker 21 (01:15:47):
And so that's why folks don't know what they don't know.

Speaker 10 (01:15:51):
They do not.

Speaker 7 (01:15:54):
Listen to me aradite mind by Black Conserve. They don't know,
they don't know what to do. That's why Laurie has
her office. So people call there because they're confused about
their their medicare plans, their medicaid plans.

Speaker 6 (01:16:09):
They don't know the difference.

Speaker 7 (01:16:11):
Some people black conservative first time, they're just getting they're
just getting that red, white and blue calls.

Speaker 6 (01:16:17):
You don't just assume people know.

Speaker 5 (01:16:19):
They don't know, and they need to get an education.

Speaker 6 (01:16:21):
Right, I'm going back. Yeah, let me go to the
phone line. W D I a high caller.

Speaker 23 (01:16:26):
Hey Bill, miss one, how y'all doing today?

Speaker 5 (01:16:28):
Hey Robert, how are you?

Speaker 9 (01:16:30):
God?

Speaker 23 (01:16:30):
I'm great, sweety. I got to agree with miss Swanna
get on at eighteen to sixty four, Lord Prince Charle's
not understanding it's sixty four. A lot of people will
put in forty five years old the job and they ready.

Speaker 3 (01:16:41):
To quit working. Yeah, yeah, yeah, they are just ready
to quit working. So I got to agree with miss
Swanna getting on there.

Speaker 5 (01:16:46):
Thank you. I appreciate nobody just wants to work.

Speaker 23 (01:16:49):
Well, I'm not saying nobody something you because this is
the bell, the job she does, it's the time she's
gonna get up.

Speaker 3 (01:16:58):
You can fail lower what she's doing, But you take
a guy who's been doing so the work for forty
five years. You think he want to keep working, So
presh out no answer question and answer it to if
you want Miss Swanna's advice, and that's what you're doing.
You'll call me in an ask some question. Then you
answered yourself. If you know the answer, don't go.

Speaker 13 (01:17:20):
Look.

Speaker 11 (01:17:20):
Bil is my girl, so she won't say the things
I was saying.

Speaker 3 (01:17:23):
I had to call it for Bill.

Speaker 5 (01:17:25):
Appreciate you.

Speaker 11 (01:17:29):
Okay, w D I A hi caller.

Speaker 5 (01:17:36):
That episode What's fun?

Speaker 12 (01:17:44):
You ought to stop now everybody along and let me
tell let me just tell you.

Speaker 18 (01:17:49):
I'm driving now popular Now.

Speaker 7 (01:17:51):
You're not popular.

Speaker 18 (01:17:53):
And got kills.

Speaker 24 (01:17:55):
I love that.

Speaker 18 (01:18:06):
Book, man and man. I love this video, love it.

Speaker 20 (01:18:13):
Thank you for.

Speaker 24 (01:18:17):
Lord.

Speaker 5 (01:18:20):
Oh my god, I was so honored to meet you
and take a photo. I'm framing it. I'm gonna frame and.

Speaker 18 (01:18:30):
It was gonna honor to me.

Speaker 6 (01:18:33):
Bird leg at the w D I A you didn't
you didn't come and speak to me. I was so happy.

Speaker 18 (01:18:44):
Better say each time I saw you you on stage,
and I don't know how close you were to strel was.

Speaker 10 (01:18:51):
I was real close to Laurie A table over yeah, yeah, okay,
but it was so many beautiful.

Speaker 5 (01:19:00):
I felt like it was, Evis, it was.

Speaker 18 (01:19:04):
It was definitely a pleasure and I look for you, baby, Faith.
But by the time, you know, being local for liberty
and all by that like that, somebody else grabbed me.
So okay, that party was about the tame. But I
need to start going a love.

Speaker 24 (01:19:20):
And going down.

Speaker 18 (01:19:24):
WD I H and I will talk to you guys again,
all right, all right, bye bye bye.

Speaker 6 (01:19:34):
Yeah, that's great.

Speaker 10 (01:19:35):
I love.

Speaker 6 (01:19:36):
I'm glad you got to meet, chancing to meet. Yeah,
that's good. That's good. Yeah, I was so.

Speaker 7 (01:19:43):
And again, Laurie, we say thank you for being one
of our sponsors for the seventy seventh anniversary, the Benefit
Solutions Group. They sponsored us and they do good work.
And so Laurie, this is this is this is important.
Sunday you all for those who have not even signed up,

(01:20:06):
is the deadline. And Laurie, if they don't sign up
by midnight Sunday, so what happens.

Speaker 5 (01:20:15):
Many of you will lose the opportunity to sign up
because at that point it's only people who have chronic illnesses.
So there would have to be some special election period,
meaning there would have to be some special circumstance for
you to sign up right now. If you've got a red, white,

(01:20:36):
blue card, you can sign up, but after December seventh, bev.
I don't know how to say it, because I'm not
trying to scare you. There is nothing in my bones
that would have me scare a senior. But I am

(01:20:56):
trying to prepare you and say make the call. Let
me throw it out there again, please, because I've just
called back to the office and I don't think that
phone line is ringing enough. There are some things I
can say to you in person that I won't share

(01:21:19):
over the radio. There are some things that I can
check out for you that will be specific to you,
and you're gonna want to hear it. I assure you
that that you're going to want to be in a
position when January comes of stability. You're gonna want to

(01:21:40):
feel like, oh, you know what, I've got my cards,
I've asked the right questions. You don't want to go
into January and you're that person that has been on
this particular favorite carrier for three years, five years, two years,
and then you get into January and your doctor doesn't
accept it, or you get into January and you don't

(01:22:04):
even have a plan because ma'am and sir, for the
person listen to me. Well, for the person that gets
into January and their plan has left the market. Now,
you've been receiving letters, but you didn't check the letters.
That's you, Miss Susan. You didn't check your letters because

(01:22:26):
you thought it was a done bill, a bill, you
didn't check it. They sent you a letter they said
your plan was going off the market. You're that person
that's gonna get in January and guess what's gonna happen?
Bell what you will not be able to sign up
for a plan. We will have to see you next October. Now,

(01:22:50):
what if something happens to you and we don't we
know not today? What if something happens to you between
now and next October? Want to happen to your finances?
What's going to happen to you? So I don't want
that to happen. I need you to make the phone call.
You got to make the phone call. If you are okay,

(01:23:12):
bev where you are, You're gonna stay there. This is
not a high pressure sale. This is not a Laurie
just want us to change our plans. You know how
much energy I've expended? Yes on top telling people not
to change their plans. So, bab, I am in the

(01:23:32):
business of helping God's people. I'm going to take care
of you. I want to make sure you're where you
are supposed to be, So if you would do be
a favor, Yes, ma'am. You're sitting right there with the
phone in your head, and you've been debating on calling
for a while. Now call us nine oh one, four

(01:23:52):
five three six three for six when you have somebody
waiting to answer the phone. It will take you five
or ten minutes, okay, and at least you can be
assured that you're gonna be just fine when you get
into January.

Speaker 6 (01:24:08):
Sounds good.

Speaker 7 (01:24:09):
Laurie Swan again is here with the Benefit Solutions Group
giving you information on this medicare. The annual enrollment period
ends on Sunday, December seventh.

Speaker 6 (01:24:21):
Call Laurie's office now.

Speaker 7 (01:24:22):
Nine zero one four five three six three four six
nine zero one four five three six three four six,
or if you have a.

Speaker 6 (01:24:30):
Question for Laurie.

Speaker 7 (01:24:32):
She's live in the studio 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 two will.

Speaker 6 (01:24:46):
Get you in to us. You're listening to the Bev
Johnson Show on w d I A whether you're in Arkansas, Tennessee,
or Mississippi on Facebook, Twitter or Instagram.

Speaker 10 (01:24:59):
Thank you.

Speaker 15 (01:25:12):
I'm telling you to just.

Speaker 6 (01:25:18):
Around enough being so.

Speaker 7 (01:25:29):
And we're talking with the CEO of the Benefit Solutions Group.
Lauries went again, Laurie. I'm going back to our phone
lines to talk to some of our listeners. W d
I A high caller.

Speaker 11 (01:25:41):
Hello, Bell Johnson, How are you?

Speaker 6 (01:25:44):
Captain?

Speaker 14 (01:25:46):
Oh Loris you know who here?

Speaker 6 (01:25:48):
I see I've learned voices.

Speaker 11 (01:25:52):
See Jackson.

Speaker 14 (01:25:53):
Jackson did a lot for you.

Speaker 11 (01:25:55):
Russ Collis did.

Speaker 6 (01:25:55):
A lot for sure, did Captain? I would you are
alive on the area, have a question for Laura?

Speaker 20 (01:26:03):
Okay, Well, welcome everybody, Happy holidays, all that good thing.
I just called in again. You know what I'm gonna say,
and I'm telling everybody, especially in my book of t
Washington Warriors, everybody is coming up on sixty five years old.

Speaker 13 (01:26:16):
Whatever.

Speaker 20 (01:26:17):
Don't be like me sixty two or whatever.

Speaker 9 (01:26:20):
Call Laurie in Tennessee, because you know what I told her,
I'm gonna call you one day, and I did, And
I want to say a loveltay again because she husband
are good too, but that the book WD eight time.

Speaker 13 (01:26:31):
I miss you guy.

Speaker 20 (01:26:32):
But listen, everybody. I know you're on your lunch break
or whatever you're doing, and some of y'all retired people
shit back and relaxt. But get on the phone and
please make the phone call. They can help you. They
got what you don't know about. And one of the
things you don't know about is the new changes in
the healthcare system. And even with Donald Trump doing what

(01:26:53):
he gonna do. But you guys gotta know they are
changing a lot of stuff. And you're gonna sit back
thinking you got insurance, thinking that you got no I
was one of the people say I got SOBI security
and Social Security is not enough to carry it. She
told me, myther twelve thousand dollars in the back there,
I go through that in one month, and you left
there at a nursing home or wherever with nothing. When
she told me that, it woke me up and thinking

(01:27:16):
I had something. She said, your family don't have nothing.
You don't have nothing. You need help every way you can.
Don't listen to people talking crazy, and she's in here
to help you. God send her Beb Johnson. We thank
you for doctor bebjohn I don't mean dominion, but you
know how to talk.

Speaker 21 (01:27:32):
But listen.

Speaker 20 (01:27:32):
Please everybody give her a call because it's worth that.
It will be your Christmas gift to yourself and to
do good. Because you only got to Sunday. That means
Saturday in eyebook, we got couplet. Y'all get on it
right now. I'm gonna get off.

Speaker 11 (01:27:45):
Somebody.

Speaker 20 (01:27:47):
Don't make a mistake like I did.

Speaker 13 (01:27:48):
It cost me money.

Speaker 6 (01:27:49):
All right, y'all, thank you, Captain. Happy holidays. W D
I A hi Callerie Gown, Hey, miss Mary, how are
you Gray?

Speaker 12 (01:28:00):
I was missing that missus Laurie and she was staying
a plan. Uh can you explain that I retire from
state to Tennessee?

Speaker 5 (01:28:11):
Y's ma'am.

Speaker 12 (01:28:12):
I have a U m R. I thank you for
what you are not looking at the paper right now?
Is is that a differently? You have to have something
like what h ed? Different count of plan to help
you with your medical care?

Speaker 20 (01:28:26):
What the what?

Speaker 12 (01:28:27):
All the they don't they don't pay I have another plan.
They paid from State of Tennessee. They paid the bountle
sometime maybe a few dollars over left but so what
what plan will you talking about is that you have
to have? Can you can give me some more information
about that?

Speaker 5 (01:28:43):
Absolutely, thank you for calling in no specific plan because
I never really call carriers names because, uh people, it's
not a cookie cutter system. Uh So there's no one
plan that's gonna meet every single caller's needs. So it's
definitely an individual conversation. But now, what we were saying

(01:29:04):
about the plans is the difference in a Medicare advantage
plan versus a Medicare supplement. So I was actually listing
the differences. With a Medicare supplement, You're gonna pay every
single month whether you need it or not. You're gonna
have to add a prescription drug plan, so it can
get pretty costly. However, a Medicare advantage plan, most plans,

(01:29:27):
not all. Most plans have a zero premium, meaning you
don't have to pay for them monthly. They also include
your dental vision hearing, some over the counter. So I
was just kind of listing the differences in a Medicare
supplement versus a Medicare advantage plan.

Speaker 12 (01:29:46):
Okay, Okay, I think I understand what you're.

Speaker 7 (01:29:52):
Saying, or yes, if you don't, miss Mary, call Lorde's
office so they can go into DAI. Tell with you
so you can tell them, please call their office. Do
you have the number, miss Mary?

Speaker 12 (01:30:05):
Have the number?

Speaker 6 (01:30:06):
Okay? The number is nine zero one.

Speaker 10 (01:30:09):
Okay four five three.

Speaker 6 (01:30:13):
Six three.

Speaker 14 (01:30:16):
Okay four six.

Speaker 12 (01:30:18):
I got this call after discourse. Go, I retired when
I was sixty six, and what I did I kept
now Insuran like Nick johnthan doing. But then do you
have to pay a penoton like she doing when you
do join it? No, you have penalty because you're laid over.

Speaker 5 (01:30:38):
What No, ma'am, you don't have to pay a penalty
when you're coming off of employer coverage. You have sixty
three days to do that. So yes, you will pay
a penalty if you delay after the sixty three days.

Speaker 10 (01:30:51):
Uh.

Speaker 5 (01:30:51):
And you will also pay a penalty if you have
if you qualify for Part B and you don't take it,
you have to take Part B when you qualify for it,
or you're going to be penalized. Now the federal government
is actually going to give you an option. Don't give
your choices the whether or not you want Part B.

(01:31:12):
Some people will say yes, some people say no. But
for those people who say no, you're going to be penalized.
So that's the caveat with Part B when it's I'm
just saying to you and I'm really I mean, when
you qualify for Part B, get it. There's no question
about that. It's not what your sister, daddy, brother, uncle

(01:31:34):
cousin said. When you qualify for Part B, meaning when
you turn sixty five, you got a disability, you got
lou Garricks, you got in stage renal. Whenever the time
comes where you can get Medicare, then you need to
get all of what you qualify for. So the payment
the you know it's going up to two to ninety

(01:31:57):
in January, but it's going to be work because your
Part BE covers eighty percent of your healthcare. So when
you qualify for something, going and take it out.

Speaker 12 (01:32:07):
I did do that, great, thank you so that I
heard that on the news too, about the people's gonna
have to work twenty hours a week from eighteen to
sixty four.

Speaker 5 (01:32:19):
I believe if you have medicaid, yes, ma'am.

Speaker 12 (01:32:22):
Okay, that's what I want you to say, that's medicaid
because I think they will that's just what I say.
They will probably figure if you can work four hours.

Speaker 3 (01:32:30):
A day, you can work all day or whatever.

Speaker 12 (01:32:33):
That's a crick you know.

Speaker 10 (01:32:35):
I don't know.

Speaker 12 (01:32:36):
I never had that, Yeah, but I was listening to that,
and I was saying, if you work four hours and
you know, get your foods, having things, they probably figure
you can work eight hours. Yeah, So it may be
a little crickey. I do not know, but I'm glad
you said that medicaid or medicaid you got to be
qualified for that, you know what.

Speaker 5 (01:32:55):
And I agree with most of the people out there.
I'm not saying these able body people should be at
home chilling while we are here working really hard. So
that's a that's the difference. If you are able body,
you know, the basic whatever age that is, you need
to be working like us.

Speaker 20 (01:33:13):
You do.

Speaker 12 (01:33:13):
You are right about that. I said that too, because
some people are not able. But I don't put judge people.
I don't put them with me because I stayed in
the worksite forty two years and I know miss john
Will probably been in there way forty nine. For if
I stayed in there, far too many Johns. I retired
from state, so I too for what I needed to

(01:33:33):
do to you know, be coveraged. Yes, but a lot
of these people that I don't know. They I don't
know what they be doing though, look like me more
over shopping? What's now?

Speaker 11 (01:33:45):
I don't know?

Speaker 12 (01:33:45):
But thank you so much. That's what I want to ask.

Speaker 7 (01:33:47):
All right, thank you, miss Mary, Bye bye bye bye
w D I a high caller.

Speaker 6 (01:33:56):
I'm doing well in yourself.

Speaker 22 (01:33:59):
Thank you for a program like this.

Speaker 11 (01:34:01):
Today A group of friends and I we were talking
as Laurie was.

Speaker 22 (01:34:04):
Mentioning part A, you presented your your card and then
simply say part A. Well, a friend of mine presented his.

Speaker 11 (01:34:11):
Card and he works along with me.

Speaker 10 (01:34:13):
His card say A and B.

Speaker 11 (01:34:15):
I say, you're not right.

Speaker 22 (01:34:17):
You're paying for something that you don't need. Your job
is your part B.

Speaker 15 (01:34:23):
You know?

Speaker 13 (01:34:24):
He said?

Speaker 11 (01:34:24):
This is what I was told.

Speaker 22 (01:34:26):
I said, you're paying too much. You're gonna have to
call and see exactly what can be done.

Speaker 24 (01:34:31):
Now.

Speaker 10 (01:34:32):
Can his uh?

Speaker 22 (01:34:34):
Can he get his money back because he's been on
it for like two or three years?

Speaker 5 (01:34:38):
I no, so they're not going to retro it.

Speaker 22 (01:34:48):
Okay, okay, okay, but but he needs to get off of.

Speaker 7 (01:34:52):
It, right glory Yes, yes, if he has employee insurance,
he doesn't need B.

Speaker 22 (01:34:57):
Okay, okay, I'm gonna let him know I gave you.

Speaker 6 (01:35:01):
Yeah, yeah, tell them to call Laurie's office.

Speaker 22 (01:35:03):
Absolutely, Oh okay, I sure will. Okay, thanks a lot,
thank you, And I want to say something.

Speaker 5 (01:35:10):
But we have a lot of you know, I know
a lot of people like to know a lot of things.
But I have twenty years in this business. I have
encountered probably most situations, and we have resolved it to
the best of our abilities. So listen, y'all. Don't listen

(01:35:30):
to people who are not licensed agents, even if they
are a retired agent.

Speaker 6 (01:35:38):
Because things have changed.

Speaker 5 (01:35:39):
Do you realize how much has changed been I mean
from he from the last ap.

Speaker 7 (01:35:44):
To now Laurie in your business has changed, My business
has changed. Yeah, this is broadcasting industry, so I get it.

Speaker 5 (01:35:54):
It changes so much changes, so you cannot afford to
listen to other people. You have to call the experts,
which is why we throw the number out so much.
Just call to see where you are. If you're okay,
where you are, you say, If not, we help you,
and I guarantee you when January comes, you will remember

(01:36:19):
this broadcast. I tried to do it last year. Ball
tell them what was coming. A lot of people, some
of it bear is fear. Yes, some of it is fear,
and I get it. When I tell you, my heart
goes out to our seniors because you've been scammed so much.

(01:36:42):
But that is why you, ma'am. You serve mean so
much to me, which is why I'm in the community.
I'm not doing this for photo ops. I'm doing this
from the bottom of my heart because I truly live
a purpose driven life. So if I tell oh you something,
it is what it is like, I don't you know.

(01:37:04):
I'm not going to mislead you. If I don't know,
I'm going to find out and I'm going to call
you back. And that's why we are still in this
business and have been now for so many years. You
don't even understand the number of agents that get into
this business and just kind of drop off the face

(01:37:25):
of the earth. There's a conference called the eighty percent
Conference because eighty percent of the agents quit within the
first year because there are so many challenges, so many changes.
It's so much news that we have to break to
our communities. But if you would do me a favor,

(01:37:47):
call the number now nine oh one four or five
three six three four six. I can't say it enough
because I just learned more information about the alignment. Do
we have a caller bid?

Speaker 6 (01:38:03):
Yeah, we do have call because I want to talk
about Yeah, okay, let me get to the call. W
D I a high caller.

Speaker 24 (01:38:10):
Hey, bab, how you doing today?

Speaker 6 (01:38:12):
I'm doing well today? How are you, sister?

Speaker 11 (01:38:15):
I'm just wonderful.

Speaker 24 (01:38:16):
This is Linda Games and I h I talked to you,
and I've met I've met Laurie. And what I just
called to say was, I went. I came down there
in October. They had a senior day at one of.

Speaker 10 (01:38:31):
The Senior citizen bill buildings, and.

Speaker 24 (01:38:35):
Miss rals pater Ross she was one of my persons,
and uh, we went. She went over my plan and everything,
and then she called me back and she said, well,
miss Linda, she said, I have found a better plan
for you, gonna save you some money down you know,

(01:38:56):
on your specialists and and all of that. She checked
out every doctor, I had, every piece of medicine, every everything,
and she got me in a better plane.

Speaker 11 (01:39:08):
So my thing is this, I love it.

Speaker 10 (01:39:12):
I love the benefit the.

Speaker 20 (01:39:19):
And and if you don't get no help, it's all
on you.

Speaker 11 (01:39:23):
Don't come crying in January, cause it's on you.

Speaker 24 (01:39:27):
We got help available, so you should use every resource.

Speaker 7 (01:39:31):
That you have.

Speaker 20 (01:39:32):
And I just appreciate y'all so much.

Speaker 24 (01:39:35):
You don't cry, all right.

Speaker 7 (01:39:42):
With you?

Speaker 9 (01:39:43):
Two?

Speaker 6 (01:39:43):
Bye bye? W d I a high caller.

Speaker 13 (01:39:47):
Hey Bill, Hey, I want to about uh like save
you pay now? And they tried all the money on medicare. Ray, Okay,
they got some insurances out here that you that'll pay
that one hundred eighty five dollars for you. Has she missed?

Speaker 5 (01:40:04):
Lady?

Speaker 13 (01:40:05):
Have you ever heard of that before?

Speaker 5 (01:40:06):
No, it's not insurance, and yeah, we were just talking
about that. It's the low Income Subsidy or extra help
application that you'll fill out. But we help you with that.
So you're exactly right. And that is an income based
program now, so we can certainly help you get that
filled out.

Speaker 13 (01:40:27):
Joe, Well, I was going to ask her, does she
know the maximum amount of money that you can make
in order to qualify for them to you know, pay
that eighty five for you, because I had some insurance
and they took it from me, which was Medicare because

(01:40:50):
just said, you know, getting a little bit too more,
serving too much ice cream.

Speaker 5 (01:40:53):
So all right, Joe Willie, you know what so that
that really leads me into what I I was going
to start talking about. Anyway, they are scrubbing the system, belve.
So a lot of people who have had this Q
and B status, the Pink card FBD, that's a full

(01:41:14):
benefits dual eligible person. These are Medicaid statuses that I'm saying,
what do we went in that system, bell and it
changed overnight. So they are scrubbing the system to make
sure you're in the right Medicaid status. So Medicaid status
would be, you know, to make sure you qualify for

(01:41:37):
the low incomes up Tody that you're talking about. If
you are one penny over, and I do mean one
red penny that ain't even on the market.

Speaker 6 (01:41:45):
At the boy, you're a.

Speaker 13 (01:41:48):
You're exactly right, because see you look okay. She told
me that you had to make under seventeen hundred and
one pit well seventeen hundred and one dollars. You had
to make less than that to qualify to get on Medicaid. Now,
I had Medicaid for about thirty cent two thousand and
sixty well back here about nine months ago they took

(01:42:15):
me off. I pei of the decision. They reimbursed me
my money about four weeks later, they took me back
off again because.

Speaker 5 (01:42:23):
They're scrubbing, they're scrubbing the system. And actually, sir, it's
under fifteen hundred. It's under fifteen hundred, not seventeen. Yeah,
it's that tough. It's that tough. And the fifteen hundred
is not going to get your party premium paid for.
So you have to go probably down in the twelve
hundreds to get that part be premium paid for. And

(01:42:46):
that's monthly. And it's also based on single household, had
you know, a couple, So that's again that's going to
be an individual conversation. But I know it's not seventeen
hundred on one thousand percent about that, but those that's again,
those levels change every year.

Speaker 13 (01:43:05):
Yeah, because I had Blue Care, they took it from me.
Okay now now okay, Now I got to try to
find some kind of advantage plan. They say, well, that's.

Speaker 7 (01:43:17):
Why, Joe Willey, you need to call on Laurie's office.
Call you got the number, Joe Willie. They can help
you with that. They can help you.

Speaker 13 (01:43:24):
Yeah. Yeah, because you know they talking about attacking on
seventeen hundred and something. If you go to the hospital, Yeah,
they got a co payment of seventeen hundred. If you
ain't got that advantage plan, you're exactly right.

Speaker 5 (01:43:41):
So you need to make the call or go over
to the office.

Speaker 6 (01:43:46):
Joe Willy get.

Speaker 13 (01:43:47):
All over there and then and then you have to
pay the other twenty percent.

Speaker 11 (01:43:51):
Yes, whatever your bill.

Speaker 6 (01:43:53):
He is, that's right, you got it, Joe Willie.

Speaker 7 (01:43:55):
Okay, we'll give out the number Joe Willie, so you
can call Laurie nine O one.

Speaker 5 (01:44:00):
Four five three six three four six collars. Now you
take your.

Speaker 21 (01:44:04):
Little ice cream.

Speaker 13 (01:44:04):
Wait wait, wait, wait, repeat that.

Speaker 14 (01:44:06):
You know old man right that old man.

Speaker 6 (01:44:08):
Okay, don't go so fast, Lourie nine zero one.

Speaker 5 (01:44:13):
Four five three six three four six.

Speaker 6 (01:44:23):
All right, all right, Joe Willie going over there with
your ice cream truck.

Speaker 13 (01:44:29):
Yeah, well you know, time count slow for this time
you but but I appreciate you man, Laurie. I'll contact with.

Speaker 5 (01:44:36):
Mister Joe Willie. I want some ice cream, so come
on over. I'll buy your truck out.

Speaker 13 (01:44:42):
Well that'll sound great. Come on, help me pay my
bill to one of them.

Speaker 5 (01:44:50):
Got today by Joe.

Speaker 6 (01:44:55):
I love Joe Willie. W D I a high caller.

Speaker 10 (01:44:59):
Time, Hi.

Speaker 15 (01:45:03):
Am I on the air.

Speaker 6 (01:45:04):
Yes, ma'am you are okay.

Speaker 15 (01:45:07):
Good morning, miss.

Speaker 5 (01:45:08):
Lord, good morning, thank you for calling.

Speaker 15 (01:45:11):
I just called to compliment Gabe.

Speaker 13 (01:45:14):
I just call you.

Speaker 15 (01:45:16):
I call your office. And he was so beautiful at
helping me. Oh love, And I said, to who am
I speaking with him? He said Gabe. I said, Oh
my goodness, I said, Gabe, I see I saw y'all
commercial and he was just he was just beautiful.

Speaker 5 (01:45:35):
Heart.

Speaker 6 (01:45:36):
Yeah, my heart. Mama raised home.

Speaker 15 (01:45:43):
And I'm waiting for a call from him because I
have Part A and Part B and I wanted to
know I have the advantage plan, but I want I
failed to ascape this. If they are changing SIGNA to uh,
what does it helped? Does any of my coverages change?

Speaker 5 (01:46:07):
Well, the coverage change changes from year to year, but
not because of the name.

Speaker 15 (01:46:13):
Okay, okay, but has that particular plan uh change.

Speaker 5 (01:46:18):
Yes, ma'am, it has seen some changes from year to year.
It changes every year.

Speaker 15 (01:46:23):
Okay. And uh, I guess I'll wait on Gay to
get my call back. But for me, I just had
to call. And you know what a beautiful person.

Speaker 5 (01:46:36):
You rage God bless you. Thank you so much.

Speaker 15 (01:46:39):
You have a beautiful thank you. Yeah, have a very.

Speaker 5 (01:46:45):
Happy holiday.

Speaker 7 (01:46:46):
And you too, you too, Okay, bye bye w D
I a high caller. I'm doing well in you, Mississippi boy.

Speaker 13 (01:47:00):
I want to say, I so appreciate the way you're
in a young lady.

Speaker 11 (01:47:04):
This top of mister Joe that is too different.

Speaker 6 (01:47:07):
That's all I got, Mississippi boy. Thank you, bye bye.

Speaker 10 (01:47:13):
Lord.

Speaker 6 (01:47:13):
Let me get this email.

Speaker 7 (01:47:14):
Lord, have mercy because my emailers and and and and
this came from miss miss mss B. She says, what
is the form Laurie you mentioned that also needs to
be completed again for prescriptions?

Speaker 10 (01:47:26):
Oh?

Speaker 5 (01:47:26):
Thank you, great question. It's the RP three uh form.
It's it's the payment plan for R three are it's
R three P or r P three one of them,
but it's the payment plan form. So call the office,
call that four five three number and ask them to
help you with that form. Because if if an agent

(01:47:47):
actually calls and does a three way, they can go
ahead and take care of that versus you doing a
piece of paper, facts and in and all of that stuff.
So if we go in and get it taken care of,
then you'll be ready for January and you definitely gonna
need it. So let's all get this form, y'all, let's
get that form. Feel down, call that number nine on
one four or five three sixty three four.

Speaker 6 (01:48:10):
Six and they need to get that in. So all
you all have the form.

Speaker 5 (01:48:15):
Huh and listen bed Whether or not you have a
lot of drugs right now, you don't know what's going
to happen, go ahead and prepare yourselves. Call to get
the form, Mama, daddy. If you're sitting there you're listening,
make the phone call. Hey, say hey, Laurie talked about
a payment plan assistance form for my drugs on the

(01:48:37):
radio call. And they will know exactly what you're talking
about because I've prepared all of our agents to be
able to handle it. Now everybody can get LORI. But
those agents, when I tell you, they have my heart,
the heart of God, they're gonna answer your questions and
they're gonna take good care of you. And I guarantee you,

(01:48:58):
if you're in the right situation, you're going to stay there. Bill,
you have my word.

Speaker 7 (01:49:03):
Okay, we're taking this last call as Laurie get ready
to get out of here.

Speaker 6 (01:49:08):
W D I a high caller.

Speaker 25 (01:49:12):
Hi, how are you?

Speaker 6 (01:49:14):
I'm doing well today? How are you?

Speaker 25 (01:49:17):
I'm doing great? Is this Miss Johnson, Yes, sir, it is. Okay, Yeah,
I'm I'm missing. I'm keeping up with you guys, and
I want to tell Miss Laurie that Shackner is is working.
Doing you there with me to help my son?

Speaker 10 (01:49:34):
Uh huh yes, yes, and.

Speaker 25 (01:49:36):
Of course, uh I'm a long long time listener. I
go way back to W. C.

Speaker 7 (01:49:43):
Brown and oh, thank you, thank you, thank you. Yes,
do you remember me, baby, I've talked to a lot
of folks so so you know, but I I appreciate you.

Speaker 11 (01:50:02):
Well.

Speaker 25 (01:50:03):
I came by you already the old office, and I
came by looking looking to ask you guys about a
nice place to take my wife out and and w
c uh describe me a the olive garden, okay, and
I gave I gave little jars bear okay.

Speaker 6 (01:50:26):
Okay, all right, I don't remember, but either way, yes, sir.

Speaker 25 (01:50:32):
I know, but I'm I'm so glad that you made
that trip up there in in Uh yes, yes, yes, okay, Oh.

Speaker 6 (01:50:47):
Happy holidays, and we do appreciate you listening to.

Speaker 10 (01:50:50):
W D I A.

Speaker 22 (01:50:52):
All right, all right, you're welcome.

Speaker 6 (01:50:55):
Bye bye, that's nice. That's nice, Laurie. We've taken over today.

Speaker 7 (01:50:59):
Yes, the last words you like to say to our
listeners today and especially about Sunday.

Speaker 5 (01:51:05):
Yes, So Sunday is it y'all? Listen, we got a
Medicare marathon going on in our office right now, right now.
We'll be there from nine a m. To nine pm
every day. It started yesterday on the first, and it's
gonna run us through Sunday, y'all. As a matter of fact,
we'll probably be there Monday. So listen, I need for

(01:51:28):
you to make the call or hit the wall. Let's
do it.

Speaker 6 (01:51:33):
Let's come on in that wall.

Speaker 5 (01:51:34):
You'reus, come on in the office, and hey, let us
take care of you. I want to take care of you.
I'll be there to greet you as you walk in
with a good bottle of water and I probably had
some soup or some chili and some good little cocoke
cooking up for you. But I do want you to

(01:51:55):
come in the office or listen, make the phone call.
So I wanted to say one more thing. Sure, and
this is about individuals who have Medicaid. So if you
are an individual, you have Medicare and Medicaid, that's two
different things. Listen, they're going to start aligning you with

(01:52:18):
your Medicaid company. So here's an example. If you have
Blue Cross, Blue Shields Medicaid, they're not gonna let you
have a separate Medicare advantage plan any longer. So they're
gonna start this really really soon. They're gonna just pull
you on back over to Blue Cross's Medicaid or United

(01:52:39):
Healthcare's Medicaid or Elevance's Well Points Medicaid. So there are
three people, three companies that manage Medicaid, Blue Cross, United
and Elevants or well Point. So if you've got their
Medicaid card, they're going to require that you have their
Medicaid advantage plan. So if you've got questions about that,

(01:53:04):
and listen, if you allow us to help you get
back over there, then you get to keep your doctors.
If you just get snatched bacco over there, because they're
going to require you to do it. As a matter
of fact, it's more than a requirement. They're absolutely going
to just do it. So you will lose the medical

(01:53:25):
advantage plan that you have now, and you may lose
your doctors. So it's going to be a pretty different
situation very very soon. Bail. So I can't stress enough
how much you need to call and ask the questions. So, bab,
that was that, and I want to get my last
shout out. Sure, so we have a parade coming up.

(01:53:50):
Let me grab this information. And while I'm doing that,
mister Gathwright is listening. Diane Johnson, Helen Holloway, Hello, and
mister Terry King Moore by, Hey, thank you so much
for listening. Okay, here we go. Okay, so we have
a Christmas parade. It's Saturday, December the sixth. We're gonna
be walking in it. It starts at ten o'clock am

(01:54:13):
and it's gonna start at American Way Park. But we're
gonna be one of the vendors out there. So if
you can't reach us in the office, you can't make
it to the office, maybe you can make it to
the parade. They're gonna have food trucks, vendors, community resources,
and we're actually going to be on location. The park
is actually right across from where our office is located.

(01:54:35):
By also number two, we have a blanket drive on Friday.
So it's Friday, This Friday, Okay, So this Friday coming up,
you can come and make your choices with your plans.
And this is not requiring you to do anything. It's
from my heart. I want to give blankets out and

(01:54:56):
we also have not just the blanket drive, but I'm
going to be giving personally delivering coats, oh good coats,
scarves and blankets for our singers. Ben I'm so excited
about that. Stay tuned. Call the office for more details
about that. So I think I've gotten a parade, the

(01:55:18):
blanket giveaway and anything else you want to know or
you need resources. I'm gonna give the number.

Speaker 6 (01:55:24):
I want more time then, yes, ma'am number and the address.

Speaker 5 (01:55:27):
Okay, it's nine zero one four five three six three
four six. Again, that's nine zero one four five three
six three four six. And I'm gonna give it a
third time. It's nine oh one four or five three
six three four six or twenty seven fifty Colony Park Drive. Again,

(01:55:55):
that's twenty seven fifty Colony Park Drive right off of
America good Way. Bell Johnson, thank you so much.

Speaker 6 (01:56:02):
You are so welcome.

Speaker 5 (01:56:03):
Appreciate everything you've done for me in this community and
just being connected to you is such a blessed. And hey,
you're a Delta, so hey you know what you know
we got service, service and sisterhood.

Speaker 18 (01:56:17):
I love it.

Speaker 6 (01:56:18):
Thank you Bell.

Speaker 7 (01:56:19):
Laurie Swanigan, the CEO of the Benefit Solutions Group. Y'all
call the number nine zero one four five three six
three four six. The views and opinions discussed on The
Bev Johnson Show are that of the hosts and callers
and not those of the staff and sponsors of w
d i A. We want to thank you callers, We

(01:56:46):
want to thank you listeners for joining us this day
on the Bev Johnson Show. We do, we really do
appreciate you. So until tomorrow, please be safe, keep a
cool head, y'all, don't let anyone steal your joy. Until tomorrow,
I'm Dev Johnson, and y'all keep the faith.