February 22, 2025 • 53 mins
At the Greater South Florida Chamber of Commerce, we are dedicated to providing the best business expos in South Florida.
1. Palm City Eye Care
2. Proleevamax
3. The Alzheimer's Association.
4. Jon Kroll Real Estate.
5. Borders Insurance
6. Melissa Corichi Insurance Agent.
1. Palm City Eye Care
2. Proleevamax
3. The Alzheimer's Association.
4. Jon Kroll Real Estate.
5. Borders Insurance
6. Melissa Corichi Insurance Agent.
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker 1 (00:00):
Welcome to the Greater South Florida Chamber Radio program with
your host to board President John Kroll of Kroll Realty.
Speaker 2 (00:16):
Good morning, Welcome back to the show. It's Saturday, the
twenty second of February twenty twenty five. We're privileged to
be here in West Palm Beach, Florida at iHeartRadio when
we're now streaming in the iHeart app. I'm Rob the
director of Operations with the Greater South Florida Chamber of Commerce.
Have with us corporate trustee Ambassador doctor Jason Davis, who
works with Palm City Ie Care up in the Stuart area,
(00:38):
Martin County, the Treasure Coast, and they're going to be
with us at the event here on the twenty eighth,
and also we're going to be with us at a
number of healthfarees that we're doing up in the Treasure Coast.
Want to give you about eight or nine minutes to
give a little background on yourselves, talk a little bit
about your practice and your organization. I was very impressed
when I met your team. They seem to dive all
(00:58):
the i's and cross all the teas. It seemed to
be very well burst in what you do. So I
want to get out of your way this morning and
let you explain to the listing audience why you do
what you do and how you go about doing it.
Speaker 3 (01:10):
Thank you very much, and thank you for having me.
Good morning. Yes, I'm doctor Jason Davis, Palm City. I care.
I was lucky enough to grow up right here in
Palm City. This is home for me, and luckily for me,
the only eye doctor in my town was an excellent
doctor named doctor Allison, and he was in his late
(01:30):
sixties when I was in school, so I got to
spend every summer and every winter breaks shadowing him and
getting to know his practice. And luckily for me, when
I was getting ready to graduate and get out of school,
he was kind of looking to retire, so perfectly timed,
I was able to slip in as he slipped out.
And I think we've spent the last seven years kind
(01:53):
of taking his idea of a small town business and
just kind of bringing it up to speed with today's technology.
Basically seven years ago when I took over, it was
an excellent practice. But you know, he was sixty eight,
seventy years old and working three days a week, and
everything was paper, charts, paper, records, and so we spent
(02:14):
the last seven years. We switched everything to electronic. We
rebuilt the building, expanded in the next unit, added three
more doctors, and we still are practicing what a term
that he coined called small town optometry, which is basically
just we don't use technicians. You are greeted in the
(02:36):
waiting room by the doctor. The doctor brings you back
to the to the exam room. We do the exam
with you. We spend the whole time just me and
you doing your eye exam. We talk about your kids,
your dog, your eyeballs, whatever you need, and when you're done,
we answer your questions and you're out the door. So
it's well, we hope to be a kind of a
(02:58):
back end time technique where you're not spending three minutes
with the doctor and the whole time moving from room
to room with different texts and then hoping you got
all your questions answered in the three minutes you had.
And so our I guess our main thing is we're
using our up to date technology and our new techniques,
but we're you know, having service with a smile and
(03:19):
using our old school manners.
Speaker 2 (03:21):
I like that it sounds like it's very closely held
in that obviously, you have all of your patients best
interest at heart in your hands on whereas it seems
like so many times in today's modern world. Twenty twenty four,
twenty twenty five. Now that we're in twenty five, I
know that I had for the first time in my life.
I'm fifty eight. I had to have some medical procedures
last year. It was very frustrating because you felt like
(03:43):
you were in number. And it's nice to see that
someone's still practicing good bedside manner and actually cares about
their patients. That's very interesting.
Speaker 4 (03:53):
Thank you.
Speaker 3 (03:54):
Yeah, that's that's what we hope to be. Our thing
is I go to the same publics as all my
patients do. I live in this town. My fourth grade
teacher comes to me, my high school baseball coach comes
to me, this is you know, everyone we see we
try to treat just like that is. You know, they're
not just the number and we are going to run
into them at the Applebe's down the street. It's just
(04:15):
part of the part of the neighborhood.
Speaker 2 (04:18):
What's one of the things that you see as we
come into twenty twenty five. Obviously there's a lot of
change transpiring throughout our country. And what's one of the
things that you see within your industry that you feel
is prevalent that you want to make people aware of
that they might not be aware of when it comes
to their eyesight and improper optimal health.
Speaker 3 (04:41):
There's a little bit of the corporate side of our
industry is going a little downhill in certain aspects. We've
had quite a few of my friends and colleagues get
fired from their corporate jobs as they bring in like
basically online eye exams from the corporate location, and so
(05:01):
the patient would walk in, a tech would do all
the pretesting, and they would sit in the chair, and
a doctor in another country would pop on the screen
do the better one or two from their keyboard, and
somewhere in the fine print it says, oh, well, this
was a refraction and you probably should still go get
an eye exam somewhere else, but hey, go buy your
glasses out front. That's been the most concerning thing for
(05:22):
me is, you know, the everyday person says, yep, I
had my eye exam for the year, I'm done, and
they don't read the fine print on their receipt that says, well, well, Actually,
all we did was check you for glasses. No one
actually checked to make sure you didn't have glaucoma or
macular generation or a retinal detachment or anything more severe
like that.
Speaker 2 (05:42):
Yeah, that sounds that's downright scary. I mean obviously, well
the things that you just touched on, those are commonplace
now in today's society and a lot of people as
we age, it seems that our eyesight worsens, and to
have people outsourcing to that capacity that is really really irritating.
That would frustrate you. But here again not to be redundant.
(06:03):
It's nice to know that you have someone like you
that is hands on, that has that, like you said,
the small Ton approach, and a lot of people like
that because of the fact that they know that you
know you care, and they know that when they go
to see you, that you're going to you know, dot
the i's, cross the t's, look at everything from A
to Z and obviously you're going to give them the
best possible outcome for whatever the scenario. Is a little
(06:26):
bit of background on yourself, where did you go to
school at and how long you been doing this?
Speaker 3 (06:32):
Absolutely so, I'm raised here in Palm City, grew up here,
went to Palm City Elementary had and Oaks Martin County,
and then once at the University of Louisiana for undergrad
the Raging Cajuns. If you've never heard of them, sure have.
But I had a good scholarship there, and my family
is originally from Louisiana, so for me it was a
(06:53):
chance to go back for four years and eat some
good food there you go. So I took advantage of that,
and after my four years there, I got my bachelor's
in Biology minor and chemistry, which was basically just the
pre med degree, and I went on to Nova Southeastern
University in Fort Lauderdale, Okay. Grade school actually the only
(07:15):
optometry school in the.
Speaker 2 (07:16):
States, and so grade school.
Speaker 3 (07:20):
It was lucky enough for me that it was only
one hundred miles from home, and I got to spend
my next four years down there. And then, like I said,
just perfect timing, right as I was finishing, my predecessor
was looking to retire, so I was able to take
over for him. And that was seven and a half
years ago.
Speaker 2 (07:38):
I hear that music. We got about a minute or
ninety seconds left until we have you on. Next time,
we'll be doing a series of interviews with you. Why
don't you about contact information for anybody who wants to
set up a consultation with you and your team. And
then if there's any type of promotions or anything going
on that you want to share with the limiting audience
this morning before we signed off, go ahead.
Speaker 3 (07:58):
Sure, We're palms to the Eye Care on number seven
seven two two eight three one one nine one. We're
right here in Palm City. You can google us, our
Facebook US and yeah, we've got we've got two new
doctors and two of us that have been here a
while and we'd love to love to get you in
and you know, kind of teach you a little something
about your eyeballs.
Speaker 2 (08:17):
I want to thank you for your time this morning,
looking forward to working with you and your team for
years to come, looking forward to seeing you and your
team out of all the upcoming events. And you have
a wonderful weekend. Thank you, sir, Thank you very much
for having me.
Speaker 3 (08:30):
I appreciate it.
Speaker 5 (08:36):
Looking for top notch I care with a personal touch,
visit Pond City I Care, where their experience optometrists provide
comprehensive eye exams and the latest Envision care Technology located
at twenty six sixty southwest of Manual Drive in Palm City.
They accept all major vision and medical insurance plans, and
you can get twenty percent off non prescription sunglasses with
(08:57):
the purchase of an annual supply of contact lenses. Schedule
your appointment today by calling seven seven to two two
eight three eleven ninety one or visit palmcityi dot com.
Your vision is their passion.
Speaker 2 (09:10):
Good morning, Welcome back to the show. It is the
twenty second of February twenty twenty five, and we are
privileged to be here at iHeartRadio this morning in West
Palm Beach, Florida, where we're now streaming on the iHeart app.
Have with this longtime corporate trust, thee Ambassador pro Leibamax,
which is lambthem Technology. They're a pharmaceutical company, and here
(09:30):
with me is doctor Gary fian Scanaro for a follow
up to our recent conversation. Gary, I want to get
right into it with you and your team, and I
want you to know I've been taking your product for
a couple of weeks right now and it has made
a major change for me as far as the anti
inflammatory effects. It's helped me a lot with everything, sleep, digestion,
(09:53):
pain in my back, pain on my knees has just
been wonderful. It's just been a major, major plus. So
I want to get rid of Go ahead.
Speaker 4 (10:00):
Yeah, that's terrific, Robin. I want to thank you for
having me back. It's always an honor to be here,
and I'm happy to discuss lambfam's product for Libmax, which
has been helping not only you, but so many people
that have been suffering with chronic pain caused by this
chronic inflammation. First, if I may just take a second
(10:23):
to tell you what Lambfam's mission has always been. It's
focused on the development and offering of products for diseases
and conditions that don't have a cure or any kind
of effective a treatment. Lambfam has been committed to this.
But even more important than that, all the ingredients are natural.
(10:44):
They're all natural. That's why I joined them as a
medical advisor, and that's why today i'd like to talk
about the six amino acid ingredients which are five hdp
are genine, glutamine, serine, GABA, and coaline. These are all
(11:06):
the six amino acids which not only relieve the underlying inflammation,
but they attack the root cause and that's why people
have gotten such good results with all of this.
Speaker 2 (11:17):
Okay, how do amino acids combat kind of inflamation? Touch
on that please.
Speaker 4 (11:22):
Yeah. Amino Acids actually play a key role in combating
chronic inflammation. They support various processes in the body, and
the first and most important is they support the immune
system function. They're essential in the production of proteins and
enzymes involved in how our bodies immune systems respond. For example,
(11:47):
for levimax is glutamine, and that's the amino acid that
helps fuel immune cells. That's macrifages and lymphocytes, which I'm
sure we've all heard of, but they're also crucial for
fighting infections and inflammation. In addition to glutamine is rginine.
Rginine is involved in the production of nitric oxide. That's
(12:10):
a molecule that regulates blood flow immune responses, and again
is crucial with inflammation. Amino Acids are also involved in
modulating cytokine production. And cytokines are these small little proteins.
They act as signaling molecules in our immune system to
regulate inflammation in the activity of immune cells. They play
(12:36):
a crucial role in how the cells communicate. During immune responses,
they bring the cells to the sites of infection, which
is an injury, which is where the inflammation occurs. So
these amino acids, just the two that I mentioned, can
influence the production of the good cytotine and balanceing cytokine
(12:58):
production is important for managing this chronic inflammation. This is
what polvamax does and that's why it was so helpful
for you. Another way amino acids reduce and resolve this
inflammation is they help to create antioxidants. Amino Acids contribute
to the synthesis of antioxidants and they neutralize free radicals.
(13:23):
Those are the bad cells that attack our healthy cells
and they reduce the oxidative damage because if free radicals
are left alone, they will create oxidative damage to our
healthy cells. And that's where chronic inflammation comes in. So
wrapping it up, it's really they player supporting immune roll
(13:44):
with immune function, modulating the inflammatory responses in the cytokines.
They promote tissue repair and they reduce that oxidative stress.
So you could take in through your diet, get a
proper intake of amino AAA or supplement with prolebomax be
(14:04):
beneficial for managing and attacking again the root cause, or
how I like to put it to my patients, your
words are underlying triggers. Your body's underlying triggers that is
causing chronic inflammation and chronic pain over the long term.
Speaker 2 (14:20):
Okay, how long will it take for the product to
actually work well?
Speaker 4 (14:25):
It usually takes I mean I know with you, you had
told us that it took you only one week to
feel its effects correct, and that's wonderful. We do have
lots of people who found that out. What we have
found is that it takes time to work with you know,
will vary depending on the severity of the inflammation and
(14:47):
the pain that been there and how long it has
been chronic inflammation. It also depends on the nutritional status
in the individual. You know, poor nutritional habits will create
a situation where it needs more of the prolevamax till
the body catches up. So there's no set timeframe here.
(15:10):
What we have seen is relief in as early as
one week, but the average, I would say, to be honest,
is about four to six weeks. And that's where doctor
ken Orbach's published study on highly specific chronic reactive protein
levels proved it for us. In his study, he took
highly specific chronic reactive protein levels, which when they're increased,
(15:35):
actually shows that the inflammation in your body is increased,
and prolivimax decrease these scores by thirty percent after eight weeks.
But more important, subjectively, patients saw a decrease in their
pain by fifty percent in just eight weeks. So outstanding
(15:55):
results by themselves. But from a physician point of view,
I have to tell you that the decrease in inflammation
to me means a decrease in risk of autoimmune disease,
cardiovascular disease, diabetes, and cancer. So those are big pluses.
Speaker 2 (16:16):
Absolutely, those are all yeah, I would say, So that's amazing.
You know, how can someone get Proleba max.
Speaker 4 (16:23):
Gary forlibamax is very simple. They can go on our
website www dot pliba max dot com or they can
go straight to Amazon. I will cauestion them. For Libamax
is spelled with two e's, so it's p R O
L E e VA max dot com.
Speaker 2 (16:45):
Now I know that it's cutting edge technology that you
and your team control. We've got about a minute or
two level I want you to do share anything you
want to share with the listening audience, and then I
want you to give everyone your contact information as well
as your Canober go ahead.
Speaker 4 (17:00):
Sure. There's a lot of products on the market, which
I'm sure you're aware of. Let's say they reduce pain
or they you know, they correct pain, they correct inflammation
in the body. The point of Prolevamax and the way
it was formulated was to take six amino acids, seven
(17:21):
supplement Boswala extract, resviratol Kerkuhmen. These were all other anti
inflammatory medical you know supplements, and they combine them, so
there's thirteen all together. And we've been very very happy
and very proud with our results as well.
Speaker 2 (17:42):
You should because they have been exceptional results. And why
don't you give everyone the email address on the phone
number before we sign up this morning game?
Speaker 5 (17:49):
Yeah?
Speaker 4 (17:50):
Yeah, So it's again www. Prolevamax with two e's dot com.
And they can either call us directly at three h
five ish five oh four eight five one four, or
they can always email us at info at prolibamax dot com.
Speaker 2 (18:09):
Gay, I want to thank you for your time this morning,
looking forward to conducting a series of interviews with you
over the course of the year and years to come.
Have a wonderful weekend, my friend, Thank you and God blessed.
Speaker 4 (18:20):
Thank you. Rob.
Speaker 6 (18:24):
Attention South Florida businesses. Join us at the Greater South
Florida Chamber Business Expo at iHeartMedia Studios in West Palm
Beach Friday, February twenty eighth, from three to seven. Discover
the benefits of a Chamber membership and learn how targeted
marketing can help you thrive. You might even be featured
on the Chamber podcast. Don't miss this chance to network
(18:45):
and grow your business. Visit Greater South Florida Chamber dot
com or call nine five four five eight oh eight
eight oh two to sign up today.
Speaker 2 (18:54):
See you there, Good morning, Welcome back to the show.
Is Saturday, the twenty second of February two thousand, twenty five.
We're privileged to be here this morning at iHeartRadio on
West pom Beach, Florida, when we're now streaming on the
iHeart app. I'm Rob, the director of Operations with the
Greater South Florida Chamber of Commerce. I have with us
Keith Gibson, who's one of our corporate trustee ambassadors. He
(19:14):
works with the Alzheimer's Association, and it's near and dear
to my heart, Keith. In twenty twenty, I lost my
father at ninety seven years of age to Alzheimer's. And
what I want to do is give you an opportunity
to introduce yourself, give out your web address, phone number,
and share anything that's going on in the South Florida
area throughout the state that you and your organization are doing.
(19:36):
And then I want to touch on a series of
questions if we could go.
Speaker 7 (19:39):
Ahead, absolutely, thank you Robert again. My name is Keith Gibson,
and I am Florida's Senior director of Community Engagement for
the Alzheimer's Association. And our web addresses www dot alv
dot org and our helpline is seven to thirty nine hundred.
Speaker 2 (20:03):
Keeeth, what is Alzheimer's people out there who might not
be aware?
Speaker 7 (20:06):
Okay, well that's a good question. A lot of times
people ask what is the difference between Alzheimer's and dementia?
So I'll start there. Dementia is not a disease, but
rather a term that used subscribe it collective collection of
symptoms that related to abnormal brain changes, A dementia symptoms,
cause of decline innive cognitive skills such as memory, thinking, behavior,
(20:30):
and it also affects uh feelings and relationships. These dementia
symptoms impair daily life and our ability to live independently, whereas,
on the other hand, Alzheimer's is a disease or the
biological cause of dementia and it's the most common form
of dimension.
Speaker 2 (20:50):
How is Alzheimer's impacting South Florida.
Speaker 7 (20:54):
Well, what it is? What has the second highest prevalence
of Alzheimer's in the country and it's behind California. There
are more than two hundred and two thousand people living
and living with Alzheimer's in Southeast Florida. Nationwide, there are
(21:14):
more than seven million individuals that are living with Alzheimer's
across the country, and there are more than eleven million
unpaid caregivers that are providing care for persons that are
living with alzheimer Now, to bring that number a little
bit more closer to home, in Florida, there are five
(21:38):
hundred and eighty thousand individuals that are living with Alzheimer's
and there are eight hundred and forty thousand unpaid caregivers.
That's providing care for persons that are living with alpha.
Speaker 2 (21:55):
What are the warning science Keith? And what should someone
do if they notice these signs in themselves or others.
Are their loved ones touch on that place?
Speaker 4 (22:05):
Well?
Speaker 7 (22:05):
There are there are there are ten warning signs that
people should pay attention to. Those warning signs can include
memory loss that's significant enough that it's just rough daily life,
such as forgetting recently learned information, challenges and planning or
solving problems, Difficulty and completing familiar tasks such as driving
(22:30):
to a familiar location or organizing a grocery list. There's
also confusion with time or place, trouble understanding visual images
and spatial relationships. There will be new problems with words
and speaking or writing. There's cases where they're maybe misplacing
(22:55):
things and losing their ability to retrace their steps, and
there could be there will be a decree priests or
poor judgments, such as when dealing with money. They're because
a person that has some warning signs, they're still intelligent.
So because they notice that something going on with them,
(23:15):
they may withdraw from work or social activities or even
hobbies that they used to bring them joy that they
participate in but but you know also to there's changes
in mood and personality. A person may become more easily
upset when they're out of their comfort zone. So those
are just those are the ten warning signs. Now when
(23:40):
a person is experiencing any of these, and I have
to note that that individuals may experience one of more
be signs in various degrees. But it's not necessarily that
everyone experienced a sign in order to raise concerns. Now,
if you notice any of these signs in yourself or
someone else, it's important to see your doctor, and only
(24:02):
a healthcare professional is determined if the diagnosis is Alzheimer's
or another dimension.
Speaker 2 (24:09):
What resources are available in South Florida?
Speaker 7 (24:13):
Oh wow, there are a variety of resources that are available.
Then the most important resource is our one eight hundred number.
Again is one eight hundred and two seven two thirty
nine hundred. This will provide that individuals media, access information,
local resources, crisis assistance, and emotional support. In addition to
(24:36):
our one eight hundred number, our helpline, we have support
groups that are facilitated peer discussions for care givers and
others facing Alzheimer's or other dimensions. We also have a
resource known as ours Connected, which is an online community
where anyone affected by Alzheimer's or another dimensions call and
(24:56):
ask questions, get advice, and find support. We also offer
education be it online or in person, ranging from topics
that covered dementia basic to caregiving strategies. And then we
also have our Navigator, which is another online tool to
assess the needs and create action plans. And then we
(25:19):
also have a Community Resource Finder, which again is also
a nationwide online listing of Alzheimer's and dementia resources and
local Alzheimer's Association chapters as well.
Speaker 2 (25:32):
I know you touched on a number of things that
the Alzheimer's Association does. We got about two minutes left.
How can someone get involved with the Alzheimer's Association, And
then what I'd like you to do is give out
your contact information again as we close, go ahead.
Speaker 7 (25:46):
Absolutely well, we have a variety of ways that individuals
can get involved with The very first way they can
get involved by volunteering, and that could be whether you
can spare a few hours a week or make it
magnificant time commitment and considering volunteer with Alzheimer's Association. We
have a number of opportunities that are available, including being
(26:10):
a community educator or joining our local walk team. We
also have opportunities for advocacy as well as participating in
the Longest Day. And then again, if you want to
get in touch with me, you can do that through
a one eight hundred number.
Speaker 8 (26:30):
Nine hundred.
Speaker 2 (26:32):
Well, I'm looking forward to having you and your team
out to the event we're doing next Friday on the
twenty eighth. Right here, I heard radio from three to
seven pm, and I know they'll be out at all
the other events in the Track County area on the
Treasure Coast. Once again, I want to thank you Keith
Gibson for your time this morning. Look forward to doing
a series of interviews with you over the twenty twenty
five calendar year. You have a wonderful weekend and God blessed,
(26:53):
keep up the good work, my friend.
Speaker 7 (26:55):
Thank you, Robert, thank you for having me.
Speaker 2 (26:57):
Thank you.
Speaker 9 (27:04):
Did you know that over six million Americans have Alzheimer's
disease and receive unpaid care from over eleven million people.
If you're suffering or helping someone who iss you deserve help.
The Alzheimer's Association is leading the charge in care, support
and research against the debilitating disorder. Join the fight to
end Alzheimer's call five six one four five three zero
(27:26):
eight five eight or the national helpline at one eight
hundred and two seven to two thirty nine hundred.
Speaker 2 (27:31):
Learn more at alz dot org. Good morning, Welcome back
to the show. It is the twenty second of February
twenty twenty five. Were privileged to be here this morning
in West Palm Beach, Florida at iHeartRadio, where we're now
streaming on the iHeart app. Next Friday, we'll be here
from three to seven pm for a big business expo.
Have with us John Crow, who's the board president of
the Greater South Florida Chamber of Commerce and our host
(27:54):
of our weekly radio programs. He's offsite this morning. We're
going to talk a little bit about the growth that's
going on in Port Saint Lucian drop their Treasure Coast,
and what they're doing with the international airport that's going
in up in that area and the dredging of the
ocean and Fort Pierce. That's one of the fastest growing
areas in the country, let alone the state, and I
(28:15):
want you to touch on that if you would, for
the listening audience this morning.
Speaker 10 (28:18):
John Sure, thanks Rob, good to thank you for having
me on. And yeah, I just I was just recently
at a economic board meeting with the corridor up in
Fort Pierce and we had discussed and well they invited
(28:38):
every quarter they have a growth and economic meeting with
all you know commissioners and FP and L and all
the infrastructure that's going on. Very very informative, and just
to let everybody know that they've just approved an airline carrier.
(29:00):
They're just they have a couple airlines that they've interviewed
and I think they're going to be signing a lease
with one of the major carriers that will be like
well basically what it is is bringing domestic airline that
you know service into the community there, which is huge.
(29:21):
They put just put one point five million and renovating
and gutting the terminal so to accommodate you know, the
public to you know enter and you know travel around
the different they're just going to basically be doing the
eastern coast like New York, and they're going to be
(29:44):
doing New York, you know, Boston, Philadelphia, just all along
the East coast. But they're starting now with one Courier
for now, but they have kind of a ton of
acre they the land that they have available right now
is more than the Miami International Airport. Wow. The land
(30:05):
of growth. So people that are planning on making their
next move or investment wise, they should really seriously look
up in Martin County. That's a hot, hot ticket.
Speaker 2 (30:19):
That's going to bring some money to that area into
the state of Florida.
Speaker 10 (30:23):
Yeah. And a good thing is is that people that
are there are like level headed, been in a community
for a long time, and they want to do it right.
So they're you know, doing all the infrastructure right now,
the you know, the the plumbing, the you know, FP
and L is coming in doing the underground. They're going
(30:45):
to be all the all the electrics going to be underground.
It won't be overhead. That's how they're trying to drop
everything underground that's important.
Speaker 2 (30:54):
That's expensive, isn't it to do it that way?
Speaker 10 (30:56):
Oh? Yeah, definitely. Well, now has the money. They're they're
one of the largest and wealthiest UH electoral contractors in
the country. They're they're huge and and they're getting into
I think they're going to go back into more of
(31:17):
the uh uh when we say the nuclear uh you know,
the uh energy. So they've got plants there that they've done,
they've done hydro and all that. And also too is
they're buying a lot of land in uh the northern
(31:39):
the middle part of the state of Florida, and they're
doing uh you know, the solar panels that are that
are going to be a big part too as well.
Speaker 2 (31:49):
That's very very important. I can imagine that a number
of additional homes that will be built up there because
there's still a lot of commercial land up there that's undeveloped.
So I imagine that's just gonna go all the way
up to zero.
Speaker 10 (32:01):
I would imagine, Oh yeah, yeah, definitely, Pump City. You
can still get lots. I'm looking for a client now
that the lots are going up there in the thirties, twenties,
in the thirties, I remember those down here when they're
selling it that now there you can't get a lot
for three hundred, four hundred thousand.
Speaker 2 (32:22):
Yeah, that's true.
Speaker 10 (32:24):
That crazy.
Speaker 2 (32:25):
Now's the time to do it.
Speaker 10 (32:27):
Oh yeah, you know that. You know, people that want
to have money to invest. I think that's a good
good way to invest. You know, it's a tangible asset.
It's like gold buying gold. You hold it, you can
you know, have and it appreciates and it holds its
value the same way.
Speaker 2 (32:47):
Absolutely.
Speaker 10 (32:49):
But yeah, you've done a lot of events up there.
You've got some events coming up in the area there
too as well.
Speaker 2 (32:55):
Yeah, we have a bunch of stuff going on up
there over the next few months. Yep.
Speaker 10 (32:59):
That's we can post out of an event and bring
up one of the representatives that has has one of
the meeting and given informative, you know over a view
of what's going on.
Speaker 2 (33:11):
Would love to do that. We could do that. A't
can at the Cane Center for sure.
Speaker 10 (33:15):
So exactly. Yeah, it'd be good for the community and
good for people. People don't know. It's nice to have
somebody you can talk to that's a you know, live person.
You can get some questions, answer Q and a correct Right.
Speaker 2 (33:29):
When's the uh, when will that? When's that? What's the
completion date on that airport? When's that supposed to be done?
Speaker 10 (33:36):
Oh, that's an ongoing thing. It's going to be years.
They're they're just they're they're not rushing into it. I mean,
they're they're doing it the right way. I sold twenty
acres along the airport that was used to be a
fill for a dump at one point, and the owner
that was having a hard time selling it. So I
finally we got a gentleman from Miami to come in
(33:59):
and by the track of land. But he has to
clear it. It's costly. Took six months to close the
deal because all of the environmental issues and the stability
of the soil. I think it's going to cost him
about the same amount of money that he bought it
for just to get all the ground ready to build
(34:19):
on for support.
Speaker 2 (34:21):
It's amazing. Yeah.
Speaker 10 (34:23):
I remember on uh there was a building that they built,
the Holiday Inn on Commercial Bulevard, just west of ninety five,
and it was a fill and the building collapsed. Building.
You know, was thinking, I don't know if you remember
that park. Yeah, I think we know. It's commercial.
Speaker 2 (34:44):
Commercial, Yeah.
Speaker 10 (34:44):
Commercial. Yeah, it's right there on power Line Road and
Commercial Well, just west of ninety five. Yeah. But yeah,
it's pretty exciting. I mean, that's a good growth area.
I think my kid's going to look looking up there
to purchase a property, you know't murdered up there. Yeah,
(35:05):
it's it's it's a great community. There's a lot of
a lot of interesting stuff going in here. And you're
in the son of the state too. You're close to Disney,
You're you know, you have access, especially with the airport
coming in. I hear that music in the background, so
I know our time is short. But yeah, if you
anybody wants to reach out to me, give me a call.
(35:26):
I'm staying informed of what's going on the growth up there.
You can reach on myself, which is a nine four
four one zero twenty three oh one. Website is www
dot crorealty dot com. But give me a call.
Speaker 2 (35:43):
Next Friday from three to seven on the twenty eighth,
you can meet John in person over here with this
at heart heart.
Speaker 10 (35:49):
Yeah, awesome, awesome, all.
Speaker 2 (35:51):
Right, John, you have a work weekend. Thank you so much, sir,
Thank you, sir. You got it.
Speaker 11 (36:03):
Buying or selling your home, contact Crollrealty at crollrealty dot.
Speaker 2 (36:07):
Com for the best deal.
Speaker 11 (36:08):
A boutique style real estate company since nineteen fifty one,
Kroll Realty offers Broward and Palm Beach County real estate
experts with unparalleled knowledge and local expertise.
Speaker 2 (36:17):
Just looking.
Speaker 11 (36:18):
Register at Crollrealty dot com, a free website without any hassles,
sign up for email updates on your search criteria, use
the resources and more. Again that's Krollrealty dot Com k
Rllrealty dot com.
Speaker 1 (36:31):
We roll with Kroll.
Speaker 2 (36:33):
Good morning, Welcome back to the show. It's the twenty
second of February twenty twenty five. Privileged to be here
this morning at iHeartRadio in West Palm Beach, Florida. We're
now streaming on the iHeart app. Have with this brand
new corporate trusty ambassador Joel Borders from Borders and Insurance.
Let's go ahead and get into it this morning.
Speaker 8 (36:49):
Joel, Hey, good morning Rob. I'm Joel Borders with Borders Insurance,
and basically you kind of hit the nail on the head.
We are unique and that we can offer all the
services for medicare, help with getting medicaid for those who
need it, life and annuities annuity products through our agency. See,
(37:15):
Unlike typical people, we actually find the best insurance for
our clients' needs. As opposed to just being a one
service all and trying to fit just the products of
one company to a person. We do multiple what Contract
did with all of the companies that offer these services,
(37:38):
and then we go out and find the one that
fits your needs. That's what we do and that's what
makes us unique. We can come to you, we can
be a full service provider. We try to help out
in the community, so we can get out there and
if you need us to come to certain sites and
do certain events, we're open to doing all of those
(38:00):
service that area service people that really want to know
and have knowledge about health insurance, life insurance and a neweries.
So Rob, I appreciate you having us on having me
on today. We can be reached at Vocial Insurance. That's
b O I C H O T I N s
U I n CE dot com. That's our website. I
(38:23):
can be reached by sale at three one four four
eight six nine three eight two and our office hours
are from eight am to six pm Monday through Saturday.
Speaker 2 (38:35):
Joe, how'd you get into the business? I know you've
been doing it for a number of years. What a
little bit on you how you got into it?
Speaker 8 (38:43):
Basically, my background and my partner's background as an operations
management I do a lot of corporate work and finance,
and in my particular instance, I had a grandmother who
after our mother after my mother passed away, and my
mother passed away. First I was kind of left taking
(39:03):
care of her, and in that instance, you know, I
had to navigate Medicare and other insurance, and I just
saw the need and decided that there were probably thousands
of more people like my grandmother who just really needed
help and in the later years, So I got into it.
(39:25):
Originally I went to school for finance, so the annuity
piece and helping people plan their financial piece as they retire.
I had done that earlier in my career, working for
several prokerage firms around the area. So that's kind of
how I got into it, and I got a passion
(39:48):
for it, and I just really wanted to help people.
And Medicare is changing every day, and our needs of
changing each and every day.
Speaker 2 (39:59):
That is true, You're right about that, and it's an
ever changing landscape. And your professional opinion, obviously, I know
that there was some I don't want to say wholesale changes,
but I know that there were some stark changes that
happened to that are actually transpiring as you and I
speak in early twenty twenty five. In your professional opinion,
what do you see as one of the bigger misconceptions
(40:22):
people make when they pick their plans or what are
some of the things that you see that you wish
people would not do that you try to steer them
away from if you would go ahead, Well.
Speaker 8 (40:32):
I think people, as we all get old and we age,
we really don't want to change and it's kind of forced.
The biggest misconception with the landscape with medicare now is
that we believe that, you know, the government is going
to take care of everything and make it easier for us,
(40:52):
and the reality is is that the government has subcontracted
most of Medicare out to individuals, insurance companies, and providers,
so you know, they're just going to do what they've
always done and know to do, and try to run
the systems the way they are. They're not trying to
spend any extra money to make it any easier for
(41:13):
a consumer. So this year's changed with prescription drug coverage.
If you don't know what an HSA is and you
have no experience with that, most people don't know that
that two thousand dollars that you're supposed to pay for
prescription drugs this year, that you can actually divide it
into monthly payments as opposed to trying to swallow it
(41:36):
all and run prescription for the first two months for
the first quarter of the year. So there's those types
of tools that help them win. I can help them
set up the HSA so that it's a little more
suitable and financially easing as you go throughout the years,
opposed to handling it all there was And again Medicare
(41:57):
or federal government won't really explain that to you in
detail on how to do it. They just kind of
throw the information out there and people try to do
what they've always done. And then and there with some
huge medical bills in the first quarter of the year,
and that's that's preventable.
Speaker 2 (42:14):
Yeah, we're really excited about working with you. I know
the fact that you handle the annuities, you handle dental,
do a lot of different things. I think it's going
to be really really important that what we get an
opportunity to do with you is just get your information
out to as many people as possible, set stuff up
for you to come out to the events where you'll
be doing stuff with us. I know you'll be out
of Savannah with us. We could go yesterday on Friday
(42:37):
the twenty first, and Stuart from ten thirty to two
thirty and you'll be with us at iHeartRadio here on
Friday the twenty eighth, when we're doing our business expo
from three pm till seven pm. Here that music in
the background. That means we got about a minute left.
What I want for you to do before we sign
off this morning, give out your contact information again, and
(42:57):
then I want you to touch on anything you're doing
right now that you want to share with the listening audience,
whether it's promotions or whatever it may be. Go ahead
because we'll be doing a series of interviews with you
over the next few months in the course of the year.
Thank you, Joel. Go ahead.
Speaker 8 (43:11):
Hey, thank you Rob again. I'm Joel Borders. We're Borders Insurance.
I can be reached at three to one, four four
eight six nine eighty two. Please give me a call.
If you're having trouble with prescription drugs. We are the
experts with helping people find affordable covers for prescription drugs,
life insurance. That you've had some other issues on demnity,
(43:33):
our problems with dental envision. We offer all those services
and we aim to find you the lowest cost coverage
that's fits your every needs For right now, please consider
us in the future.
Speaker 2 (43:47):
Thank you, Joel, thank you for being with us. You
have a wonderful morning and I look forward to working
with you and we'll see you next week. Thank you, sir.
Speaker 8 (43:54):
Thank you. See you by by her.
Speaker 12 (44:00):
Looking for comprehensive insurance solutions At Borders Insurance. They prioritize
your needs, not the providers. Whether it's individual insurance, Medicare, dental, vision,
disability or life insurance, They've got you covered. Small business owners,
they can help you attract and retain long term employees
with affordable medical insurance options.
Speaker 2 (44:19):
Call Borders Insurance.
Speaker 12 (44:21):
Today at three, one, four, four, eight, six, nine, three
eight to two. Borders Insurance your one stop shop for
all your health and life insurance needs.
Speaker 2 (44:30):
Good morning, Welcome back to the show at Saturday, the
twenty second of February twenty twenty five. How the year
is moving quickly? One one out there. We're privileged you
here this morning at iHeartRadio and West Palm Beach, Florida,
who were now streaming on the iHeart app, have with
this corporate trustee, Ambassador Melissa Cricci with Melissa Crecci Insurance Solutions.
Talk a little bit about what you do Melissa.
Speaker 13 (44:53):
As an independent broker who specializes in Medicare, I mostly
work with clients who are new to Medicare due to age,
retire or disability. I host a free monthly educational workshop
in Jupiter for those who are new to Medicare or
just want a better understanding of it. We go over
the basics of Medicare, how A and B work, as
well as the two programs for coverage. I spend most
(45:15):
of my time enrolling new Medicare beneficiaries into METAGAP or
Medicare Advantage plans. There's also an enrollment period available right
now to make plan changes for Medicare Advantage clients. After
the annual enrollment period ends, we enter a period called
the Open Enrollment Period. This is a special election period
that gives Medicare Advantage beneficiaries the ability to make one
(45:36):
plan change between January first and March thirty first. This
election period only applies to Medicare Advantage beneficiaries. Part D
recipients cannot make any plan changes during this time.
Speaker 2 (45:48):
So what's the difference between Medicare advantage and Medicare Supplement.
Speaker 13 (45:52):
A Medicare supplement works in conjunction with original Medicare to
pick up the cost of original Medicare leaves you with. Generally,
you pay a monthly premium for your plan and it
picks up all Part A costs and the twenty percent
Part B does not cover after you meet your deductible.
Of course, another great feature of a Medicare supplement is
the network. Original Medicare is a nationwide network. With a supplement,
(46:15):
you can seek treatment anywhere in the country and you'll
be covered as long as the provider accepts Medicare. This
is because Medicare is your primary coverage and your supplement
is secondary. The bill goes to Medicare first, and then
Medicare sends the portion it doesn't cover to your supplement.
Because of this, you don't have to worry about which
carrier you go with. As long as your provider accepts Medicare,
(46:35):
they'll accept your supplement. A Medicare advantage plan tends to
pro rate out the deductibles and co insurance that Medicare
leaves you with into a schedule of benefits. For example,
on a Medicare advantage plan, your hospital co pay is
usually about three hundred dollars a day for a week,
three hundred times five is fifteen hundred dollars, which is
pretty close to the part A deductible original Medicare leaves
(46:57):
you with. The great thing about Medicare advantage is it
bundles all your benefits into one package and usually adds
extra benefits like dental, vision and hearing. In general, Medicare
advantage is HMO or PPO style plans, meaning they do
have a network of doctors. HMO plans are very strict
about their network, where PPO plans have internet and network benefits.
(47:20):
The great thing about Medicare advantage is there's usually no premium.
This makes it a great option for those living on
a fixed incomer strict budget.
Speaker 2 (47:28):
Who typically uses your service.
Speaker 13 (47:31):
Melissa, I have two main types of clients. The first
would be that turning sixty five crowd, or those who
have recently acquired Medicare Part B.
Speaker 14 (47:40):
These are people who are new to.
Speaker 13 (47:41):
The Medicare program and need help signing up for it,
understanding how it works, and finding healthcare coverage. The other
main type of client I get are those who are
either unhappy with their coverage or concerned with the costs
associated with their coverage.
Speaker 14 (47:54):
For those who are new to.
Speaker 13 (47:55):
Medicare, I have a special presentation that helps break down
the federal Medicare program and explain the differences between Medicare
supplements or medigap plans and Medicare Advantage plans or parts.
I offer this workshop for free the last Saturday of
every month in Jupiter at the Coffeehouse I Need Coffee
on Indian Town Road. For those who have coverage already,
I help shop for better rates or better premiums or
(48:17):
better benefits and generate custom quotes based on their needs.
With my Medicare Supplement clients, I'm able to help find
lower rates and assist them with the application and medical
underwriting process. I also help them renew their part decoverage
annually and make pharmacy and plan recommendations based on the
most up to date information available through Medicare dot Gov.
With my Medicare Advantage clients, I mostly help them manage
(48:39):
out of pocket costs by quoting them hospital indemni plans.
Speaker 2 (48:43):
What sets you apart from everyone else in the industry? Obviously,
I know that you're very effective. One of the things
that I like about you is you're very punctual. If
someone contacts you, you get back to them within a
matter of minutes, and you're always pleasant, and you really
seem to have the people's vested interest at heart, and
you don't instead of a cattle drive or I don't
(49:03):
like that, or scrap that, but you don't treat them
like a number. You're looking into people's livelihood because of
the fact that you really care about whether or not
they have proper coverage and that they're getting the most
out of their coverage. That's what I see from the
outside looking in. But I'm not well versed in the
industry like you are. What do you feel set you
apart from the industry or so.
Speaker 13 (49:25):
I feel like being an autoimmune patient. I really do
have a unique experience. I'm able to empathize with my
clients on a really personal level, and I just want
to help them feel secure. I also like to point
out to my clients that I'm still young, not like
a lot of other agents, being in my thirties. I
plan to be around for many years, assuring my clients
I'll be around to help them with their coverage in
(49:47):
the later years to come. Another thing that sets me
apart is my main focus is education. Like you were saying,
I spend a lot of time just going over information
and options with my clients, I really get to know
them on a personal level. Because I'm an independent broker,
I represent many different insurance companies. I show my clients
(50:08):
all their options in an unbiased manner, unlike captive agents
that work for one insurance company. I also consider things
like out of pocket expenses and drug costs, helping my
client research their costs and find alternative coverages for out
of pocket expenses. I always include a hospital and demnity
quote with my Medicare advantage sales for that reason.
Speaker 2 (50:28):
Is there anything else you sell that you'd like to
talk about?
Speaker 4 (50:32):
So?
Speaker 14 (50:32):
I also sell dental insurance.
Speaker 13 (50:34):
I can sell the dental plans I offer to people
of any age, but I mostly sell them to Medicare
supplement clients. These are standalone plans that offer up to
a five thousand dollars benefit. They include all your preventative services,
as well as basic and major works such as fillings
and crowns. I have a very popular plan that I
actually carry for myself, called the Pinnacle Plan. This coverage
(50:55):
has no waiting periods unlike most dental insurance, It's maximum benefit,
and it doubles yearly for the first three years, as
well as increases how much it covers. The first ear
you have it, it may only cover fifty percent of
the cost of your basic work and twenty five percent
of the cost of your major work. The second year
it covers sixty percent. The third year the benefit reaches
(51:17):
five thousand dollars and covers eighty percent. This is a
great plan for someone who needs a lot of dental work.
I personally am getting six crowns when my benefit reaches
five thousand dollars next year, and since then all my
preventative cleanings and X rays have been covered at one
hundred percent.
Speaker 2 (51:32):
Now do you have any final words to leave us
with this morning?
Speaker 13 (51:36):
I just want to mention my monthly educational seminar again.
It's the last Saturday of every month in Jupiter. At
the cafe I need coffee. I teach a Medicare workshop
that's free and open to the public, although I prefer
you ARESVP. The seminar is geared towards people who are
new to Medicare, although we cover a lot so anyone
can attend.
Speaker 2 (51:55):
Go ahead and give everyone your pertinent contact information. Let
them know how they can get a hold of you.
To say I up a consultation if they choose to
do as such before we sign off this morning.
Speaker 13 (52:04):
So my name is Melissa Carici. That cs in Charlier,
I c as in Charlie.
Speaker 7 (52:10):
Hi.
Speaker 13 (52:11):
Just add an at gmail dot com to send me
an email. My phone number is five six one two
eight seven zero four zero six.
Speaker 2 (52:20):
Weant to thank you for being with us and you
have a wonderful weekend. Thank you.
Speaker 14 (52:29):
Hey, this is Melissa Cricci. I'm a licensed and insured
local insurance agent. So one thing worth mentioning is the
annual enrollment period for Medicare Advantage did end back in December,
which is known as plan changing season for those on
a Medicare advantage plan. But I do like to remind
all my clients that you have the.
Speaker 13 (52:50):
Open Enrollment Period or OEP available to make one plan
change up until March thirty first. So if you're unhappy
with your current coverage, give me a call. Can reach
me at five six one two eight seven zero four
zero six.
Speaker 14 (53:07):
Caller text.
Speaker 1 (53:08):
You've been listening to the Greater South Florida Chamber Radio
program with your host to board president John Kroll of
Kroll Realty
Welcome to the Greater South Florida Chamber Radio program with
your host to board President John Kroll of Kroll Realty.
Speaker 2 (00:16):
Good morning, Welcome back to the show. It's Saturday, the
twenty second of February twenty twenty five. We're privileged to
be here in West Palm Beach, Florida at iHeartRadio when
we're now streaming in the iHeart app. I'm Rob the
director of Operations with the Greater South Florida Chamber of Commerce.
Have with us corporate trustee Ambassador doctor Jason Davis, who
works with Palm City Ie Care up in the Stuart area,
(00:38):
Martin County, the Treasure Coast, and they're going to be
with us at the event here on the twenty eighth,
and also we're going to be with us at a
number of healthfarees that we're doing up in the Treasure Coast.
Want to give you about eight or nine minutes to
give a little background on yourselves, talk a little bit
about your practice and your organization. I was very impressed
when I met your team. They seem to dive all
(00:58):
the i's and cross all the teas. It seemed to
be very well burst in what you do. So I
want to get out of your way this morning and
let you explain to the listing audience why you do
what you do and how you go about doing it.
Speaker 3 (01:10):
Thank you very much, and thank you for having me.
Good morning. Yes, I'm doctor Jason Davis, Palm City. I care.
I was lucky enough to grow up right here in
Palm City. This is home for me, and luckily for me,
the only eye doctor in my town was an excellent
doctor named doctor Allison, and he was in his late
(01:30):
sixties when I was in school, so I got to
spend every summer and every winter breaks shadowing him and
getting to know his practice. And luckily for me, when
I was getting ready to graduate and get out of school,
he was kind of looking to retire, so perfectly timed,
I was able to slip in as he slipped out.
And I think we've spent the last seven years kind
(01:53):
of taking his idea of a small town business and
just kind of bringing it up to speed with today's technology.
Basically seven years ago when I took over, it was
an excellent practice. But you know, he was sixty eight,
seventy years old and working three days a week, and
everything was paper, charts, paper, records, and so we spent
(02:14):
the last seven years. We switched everything to electronic. We
rebuilt the building, expanded in the next unit, added three
more doctors, and we still are practicing what a term
that he coined called small town optometry, which is basically
just we don't use technicians. You are greeted in the
(02:36):
waiting room by the doctor. The doctor brings you back
to the to the exam room. We do the exam
with you. We spend the whole time just me and
you doing your eye exam. We talk about your kids,
your dog, your eyeballs, whatever you need, and when you're done,
we answer your questions and you're out the door. So
it's well, we hope to be a kind of a
(02:58):
back end time technique where you're not spending three minutes
with the doctor and the whole time moving from room
to room with different texts and then hoping you got
all your questions answered in the three minutes you had.
And so our I guess our main thing is we're
using our up to date technology and our new techniques,
but we're you know, having service with a smile and
(03:19):
using our old school manners.
Speaker 2 (03:21):
I like that it sounds like it's very closely held
in that obviously, you have all of your patients best
interest at heart in your hands on whereas it seems
like so many times in today's modern world. Twenty twenty four,
twenty twenty five. Now that we're in twenty five, I
know that I had for the first time in my life.
I'm fifty eight. I had to have some medical procedures
last year. It was very frustrating because you felt like
(03:43):
you were in number. And it's nice to see that
someone's still practicing good bedside manner and actually cares about
their patients. That's very interesting.
Speaker 4 (03:53):
Thank you.
Speaker 3 (03:54):
Yeah, that's that's what we hope to be. Our thing
is I go to the same publics as all my
patients do. I live in this town. My fourth grade
teacher comes to me, my high school baseball coach comes
to me, this is you know, everyone we see we
try to treat just like that is. You know, they're
not just the number and we are going to run
into them at the Applebe's down the street. It's just
(04:15):
part of the part of the neighborhood.
Speaker 2 (04:18):
What's one of the things that you see as we
come into twenty twenty five. Obviously there's a lot of
change transpiring throughout our country. And what's one of the
things that you see within your industry that you feel
is prevalent that you want to make people aware of
that they might not be aware of when it comes
to their eyesight and improper optimal health.
Speaker 3 (04:41):
There's a little bit of the corporate side of our
industry is going a little downhill in certain aspects. We've
had quite a few of my friends and colleagues get
fired from their corporate jobs as they bring in like
basically online eye exams from the corporate location, and so
(05:01):
the patient would walk in, a tech would do all
the pretesting, and they would sit in the chair, and
a doctor in another country would pop on the screen
do the better one or two from their keyboard, and
somewhere in the fine print it says, oh, well, this
was a refraction and you probably should still go get
an eye exam somewhere else, but hey, go buy your
glasses out front. That's been the most concerning thing for
(05:22):
me is, you know, the everyday person says, yep, I
had my eye exam for the year, I'm done, and
they don't read the fine print on their receipt that says, well, well, Actually,
all we did was check you for glasses. No one
actually checked to make sure you didn't have glaucoma or
macular generation or a retinal detachment or anything more severe
like that.
Speaker 2 (05:42):
Yeah, that sounds that's downright scary. I mean obviously, well
the things that you just touched on, those are commonplace
now in today's society and a lot of people as
we age, it seems that our eyesight worsens, and to
have people outsourcing to that capacity that is really really irritating.
That would frustrate you. But here again not to be redundant.
(06:03):
It's nice to know that you have someone like you
that is hands on, that has that, like you said,
the small Ton approach, and a lot of people like
that because of the fact that they know that you
know you care, and they know that when they go
to see you, that you're going to you know, dot
the i's, cross the t's, look at everything from A
to Z and obviously you're going to give them the
best possible outcome for whatever the scenario. Is a little
(06:26):
bit of background on yourself, where did you go to
school at and how long you been doing this?
Speaker 3 (06:32):
Absolutely so, I'm raised here in Palm City, grew up here,
went to Palm City Elementary had and Oaks Martin County,
and then once at the University of Louisiana for undergrad
the Raging Cajuns. If you've never heard of them, sure have.
But I had a good scholarship there, and my family
is originally from Louisiana, so for me it was a
(06:53):
chance to go back for four years and eat some
good food there you go. So I took advantage of that,
and after my four years there, I got my bachelor's
in Biology minor and chemistry, which was basically just the
pre med degree, and I went on to Nova Southeastern
University in Fort Lauderdale, Okay. Grade school actually the only
(07:15):
optometry school in the.
Speaker 2 (07:16):
States, and so grade school.
Speaker 3 (07:20):
It was lucky enough for me that it was only
one hundred miles from home, and I got to spend
my next four years down there. And then, like I said,
just perfect timing, right as I was finishing, my predecessor
was looking to retire, so I was able to take
over for him. And that was seven and a half
years ago.
Speaker 2 (07:38):
I hear that music. We got about a minute or
ninety seconds left until we have you on. Next time,
we'll be doing a series of interviews with you. Why
don't you about contact information for anybody who wants to
set up a consultation with you and your team. And
then if there's any type of promotions or anything going
on that you want to share with the limiting audience
this morning before we signed off, go ahead.
Speaker 3 (07:58):
Sure, We're palms to the Eye Care on number seven
seven two two eight three one one nine one. We're
right here in Palm City. You can google us, our
Facebook US and yeah, we've got we've got two new
doctors and two of us that have been here a
while and we'd love to love to get you in
and you know, kind of teach you a little something
about your eyeballs.
Speaker 2 (08:17):
I want to thank you for your time this morning,
looking forward to working with you and your team for
years to come, looking forward to seeing you and your
team out of all the upcoming events. And you have
a wonderful weekend. Thank you, sir, Thank you very much
for having me.
Speaker 3 (08:30):
I appreciate it.
Speaker 5 (08:36):
Looking for top notch I care with a personal touch,
visit Pond City I Care, where their experience optometrists provide
comprehensive eye exams and the latest Envision care Technology located
at twenty six sixty southwest of Manual Drive in Palm City.
They accept all major vision and medical insurance plans, and
you can get twenty percent off non prescription sunglasses with
(08:57):
the purchase of an annual supply of contact lenses. Schedule
your appointment today by calling seven seven to two two
eight three eleven ninety one or visit palmcityi dot com.
Your vision is their passion.
Speaker 2 (09:10):
Good morning, Welcome back to the show. It is the
twenty second of February twenty twenty five, and we are
privileged to be here at iHeartRadio this morning in West
Palm Beach, Florida, where we're now streaming on the iHeart app.
Have with this longtime corporate trust, thee Ambassador pro Leibamax,
which is lambthem Technology. They're a pharmaceutical company, and here
(09:30):
with me is doctor Gary fian Scanaro for a follow
up to our recent conversation. Gary, I want to get
right into it with you and your team, and I
want you to know I've been taking your product for
a couple of weeks right now and it has made
a major change for me as far as the anti
inflammatory effects. It's helped me a lot with everything, sleep, digestion,
(09:53):
pain in my back, pain on my knees has just
been wonderful. It's just been a major, major plus. So
I want to get rid of Go ahead.
Speaker 4 (10:00):
Yeah, that's terrific, Robin. I want to thank you for
having me back. It's always an honor to be here,
and I'm happy to discuss lambfam's product for Libmax, which
has been helping not only you, but so many people
that have been suffering with chronic pain caused by this
chronic inflammation. First, if I may just take a second
(10:23):
to tell you what Lambfam's mission has always been. It's
focused on the development and offering of products for diseases
and conditions that don't have a cure or any kind
of effective a treatment. Lambfam has been committed to this.
But even more important than that, all the ingredients are natural.
(10:44):
They're all natural. That's why I joined them as a
medical advisor, and that's why today i'd like to talk
about the six amino acid ingredients which are five hdp
are genine, glutamine, serine, GABA, and coaline. These are all
(11:06):
the six amino acids which not only relieve the underlying inflammation,
but they attack the root cause and that's why people
have gotten such good results with all of this.
Speaker 2 (11:17):
Okay, how do amino acids combat kind of inflamation? Touch
on that please.
Speaker 4 (11:22):
Yeah. Amino Acids actually play a key role in combating
chronic inflammation. They support various processes in the body, and
the first and most important is they support the immune
system function. They're essential in the production of proteins and
enzymes involved in how our bodies immune systems respond. For example,
(11:47):
for levimax is glutamine, and that's the amino acid that
helps fuel immune cells. That's macrifages and lymphocytes, which I'm
sure we've all heard of, but they're also crucial for
fighting infections and inflammation. In addition to glutamine is rginine.
Rginine is involved in the production of nitric oxide. That's
(12:10):
a molecule that regulates blood flow immune responses, and again
is crucial with inflammation. Amino Acids are also involved in
modulating cytokine production. And cytokines are these small little proteins.
They act as signaling molecules in our immune system to
regulate inflammation in the activity of immune cells. They play
(12:36):
a crucial role in how the cells communicate. During immune responses,
they bring the cells to the sites of infection, which
is an injury, which is where the inflammation occurs. So
these amino acids, just the two that I mentioned, can
influence the production of the good cytotine and balanceing cytokine
(12:58):
production is important for managing this chronic inflammation. This is
what polvamax does and that's why it was so helpful
for you. Another way amino acids reduce and resolve this
inflammation is they help to create antioxidants. Amino Acids contribute
to the synthesis of antioxidants and they neutralize free radicals.
(13:23):
Those are the bad cells that attack our healthy cells
and they reduce the oxidative damage because if free radicals
are left alone, they will create oxidative damage to our
healthy cells. And that's where chronic inflammation comes in. So
wrapping it up, it's really they player supporting immune roll
(13:44):
with immune function, modulating the inflammatory responses in the cytokines.
They promote tissue repair and they reduce that oxidative stress.
So you could take in through your diet, get a
proper intake of amino AAA or supplement with prolebomax be
(14:04):
beneficial for managing and attacking again the root cause, or
how I like to put it to my patients, your
words are underlying triggers. Your body's underlying triggers that is
causing chronic inflammation and chronic pain over the long term.
Speaker 2 (14:20):
Okay, how long will it take for the product to
actually work well?
Speaker 4 (14:25):
It usually takes I mean I know with you, you had
told us that it took you only one week to
feel its effects correct, and that's wonderful. We do have
lots of people who found that out. What we have
found is that it takes time to work with you know,
will vary depending on the severity of the inflammation and
(14:47):
the pain that been there and how long it has
been chronic inflammation. It also depends on the nutritional status
in the individual. You know, poor nutritional habits will create
a situation where it needs more of the prolevamax till
the body catches up. So there's no set timeframe here.
(15:10):
What we have seen is relief in as early as
one week, but the average, I would say, to be honest,
is about four to six weeks. And that's where doctor
ken Orbach's published study on highly specific chronic reactive protein
levels proved it for us. In his study, he took
highly specific chronic reactive protein levels, which when they're increased,
(15:35):
actually shows that the inflammation in your body is increased,
and prolivimax decrease these scores by thirty percent after eight weeks.
But more important, subjectively, patients saw a decrease in their
pain by fifty percent in just eight weeks. So outstanding
(15:55):
results by themselves. But from a physician point of view,
I have to tell you that the decrease in inflammation
to me means a decrease in risk of autoimmune disease,
cardiovascular disease, diabetes, and cancer. So those are big pluses.
Speaker 2 (16:16):
Absolutely, those are all yeah, I would say, So that's amazing.
You know, how can someone get Proleba max.
Speaker 4 (16:23):
Gary forlibamax is very simple. They can go on our
website www dot pliba max dot com or they can
go straight to Amazon. I will cauestion them. For Libamax
is spelled with two e's, so it's p R O
L E e VA max dot com.
Speaker 2 (16:45):
Now I know that it's cutting edge technology that you
and your team control. We've got about a minute or
two level I want you to do share anything you
want to share with the listening audience, and then I
want you to give everyone your contact information as well
as your Canober go ahead.
Speaker 4 (17:00):
Sure. There's a lot of products on the market, which
I'm sure you're aware of. Let's say they reduce pain
or they you know, they correct pain, they correct inflammation
in the body. The point of Prolevamax and the way
it was formulated was to take six amino acids, seven
(17:21):
supplement Boswala extract, resviratol Kerkuhmen. These were all other anti
inflammatory medical you know supplements, and they combine them, so
there's thirteen all together. And we've been very very happy
and very proud with our results as well.
Speaker 2 (17:42):
You should because they have been exceptional results. And why
don't you give everyone the email address on the phone
number before we sign up this morning game?
Speaker 5 (17:49):
Yeah?
Speaker 4 (17:50):
Yeah, So it's again www. Prolevamax with two e's dot com.
And they can either call us directly at three h
five ish five oh four eight five one four, or
they can always email us at info at prolibamax dot com.
Speaker 2 (18:09):
Gay, I want to thank you for your time this morning,
looking forward to conducting a series of interviews with you
over the course of the year and years to come.
Have a wonderful weekend, my friend, Thank you and God blessed.
Speaker 4 (18:20):
Thank you. Rob.
Speaker 6 (18:24):
Attention South Florida businesses. Join us at the Greater South
Florida Chamber Business Expo at iHeartMedia Studios in West Palm
Beach Friday, February twenty eighth, from three to seven. Discover
the benefits of a Chamber membership and learn how targeted
marketing can help you thrive. You might even be featured
on the Chamber podcast. Don't miss this chance to network
(18:45):
and grow your business. Visit Greater South Florida Chamber dot
com or call nine five four five eight oh eight
eight oh two to sign up today.
Speaker 2 (18:54):
See you there, Good morning, Welcome back to the show.
Is Saturday, the twenty second of February two thousand, twenty five.
We're privileged to be here this morning at iHeartRadio on
West pom Beach, Florida, when we're now streaming on the
iHeart app. I'm Rob, the director of Operations with the
Greater South Florida Chamber of Commerce. I have with us
Keith Gibson, who's one of our corporate trustee ambassadors. He
(19:14):
works with the Alzheimer's Association, and it's near and dear
to my heart, Keith. In twenty twenty, I lost my
father at ninety seven years of age to Alzheimer's. And
what I want to do is give you an opportunity
to introduce yourself, give out your web address, phone number,
and share anything that's going on in the South Florida
area throughout the state that you and your organization are doing.
(19:36):
And then I want to touch on a series of
questions if we could go.
Speaker 7 (19:39):
Ahead, absolutely, thank you Robert again. My name is Keith Gibson,
and I am Florida's Senior director of Community Engagement for
the Alzheimer's Association. And our web addresses www dot alv
dot org and our helpline is seven to thirty nine hundred.
Speaker 2 (20:03):
Keeeth, what is Alzheimer's people out there who might not
be aware?
Speaker 7 (20:06):
Okay, well that's a good question. A lot of times
people ask what is the difference between Alzheimer's and dementia?
So I'll start there. Dementia is not a disease, but
rather a term that used subscribe it collective collection of
symptoms that related to abnormal brain changes, A dementia symptoms,
cause of decline innive cognitive skills such as memory, thinking, behavior,
(20:30):
and it also affects uh feelings and relationships. These dementia
symptoms impair daily life and our ability to live independently, whereas,
on the other hand, Alzheimer's is a disease or the
biological cause of dementia and it's the most common form
of dimension.
Speaker 2 (20:50):
How is Alzheimer's impacting South Florida.
Speaker 7 (20:54):
Well, what it is? What has the second highest prevalence
of Alzheimer's in the country and it's behind California. There
are more than two hundred and two thousand people living
and living with Alzheimer's in Southeast Florida. Nationwide, there are
(21:14):
more than seven million individuals that are living with Alzheimer's
across the country, and there are more than eleven million
unpaid caregivers that are providing care for persons that are
living with alzheimer Now, to bring that number a little
bit more closer to home, in Florida, there are five
(21:38):
hundred and eighty thousand individuals that are living with Alzheimer's
and there are eight hundred and forty thousand unpaid caregivers.
That's providing care for persons that are living with alpha.
Speaker 2 (21:55):
What are the warning science Keith? And what should someone
do if they notice these signs in themselves or others.
Are their loved ones touch on that place?
Speaker 4 (22:05):
Well?
Speaker 7 (22:05):
There are there are there are ten warning signs that
people should pay attention to. Those warning signs can include
memory loss that's significant enough that it's just rough daily life,
such as forgetting recently learned information, challenges and planning or
solving problems, Difficulty and completing familiar tasks such as driving
(22:30):
to a familiar location or organizing a grocery list. There's
also confusion with time or place, trouble understanding visual images
and spatial relationships. There will be new problems with words
and speaking or writing. There's cases where they're maybe misplacing
(22:55):
things and losing their ability to retrace their steps, and
there could be there will be a decree priests or
poor judgments, such as when dealing with money. They're because
a person that has some warning signs, they're still intelligent.
So because they notice that something going on with them,
(23:15):
they may withdraw from work or social activities or even
hobbies that they used to bring them joy that they
participate in but but you know also to there's changes
in mood and personality. A person may become more easily
upset when they're out of their comfort zone. So those
are just those are the ten warning signs. Now when
(23:40):
a person is experiencing any of these, and I have
to note that that individuals may experience one of more
be signs in various degrees. But it's not necessarily that
everyone experienced a sign in order to raise concerns. Now,
if you notice any of these signs in yourself or
someone else, it's important to see your doctor, and only
(24:02):
a healthcare professional is determined if the diagnosis is Alzheimer's
or another dimension.
Speaker 2 (24:09):
What resources are available in South Florida?
Speaker 7 (24:13):
Oh wow, there are a variety of resources that are available.
Then the most important resource is our one eight hundred number.
Again is one eight hundred and two seven two thirty
nine hundred. This will provide that individuals media, access information,
local resources, crisis assistance, and emotional support. In addition to
(24:36):
our one eight hundred number, our helpline, we have support
groups that are facilitated peer discussions for care givers and
others facing Alzheimer's or other dimensions. We also have a
resource known as ours Connected, which is an online community
where anyone affected by Alzheimer's or another dimensions call and
(24:56):
ask questions, get advice, and find support. We also offer
education be it online or in person, ranging from topics
that covered dementia basic to caregiving strategies. And then we
also have our Navigator, which is another online tool to
assess the needs and create action plans. And then we
(25:19):
also have a Community Resource Finder, which again is also
a nationwide online listing of Alzheimer's and dementia resources and
local Alzheimer's Association chapters as well.
Speaker 2 (25:32):
I know you touched on a number of things that
the Alzheimer's Association does. We got about two minutes left.
How can someone get involved with the Alzheimer's Association, And
then what I'd like you to do is give out
your contact information again as we close, go ahead.
Speaker 7 (25:46):
Absolutely well, we have a variety of ways that individuals
can get involved with The very first way they can
get involved by volunteering, and that could be whether you
can spare a few hours a week or make it
magnificant time commitment and considering volunteer with Alzheimer's Association. We
have a number of opportunities that are available, including being
(26:10):
a community educator or joining our local walk team. We
also have opportunities for advocacy as well as participating in
the Longest Day. And then again, if you want to
get in touch with me, you can do that through
a one eight hundred number.
Speaker 8 (26:30):
Nine hundred.
Speaker 2 (26:32):
Well, I'm looking forward to having you and your team
out to the event we're doing next Friday on the
twenty eighth. Right here, I heard radio from three to
seven pm, and I know they'll be out at all
the other events in the Track County area on the
Treasure Coast. Once again, I want to thank you Keith
Gibson for your time this morning. Look forward to doing
a series of interviews with you over the twenty twenty
five calendar year. You have a wonderful weekend and God blessed,
(26:53):
keep up the good work, my friend.
Speaker 7 (26:55):
Thank you, Robert, thank you for having me.
Speaker 2 (26:57):
Thank you.
Speaker 9 (27:04):
Did you know that over six million Americans have Alzheimer's
disease and receive unpaid care from over eleven million people.
If you're suffering or helping someone who iss you deserve help.
The Alzheimer's Association is leading the charge in care, support
and research against the debilitating disorder. Join the fight to
end Alzheimer's call five six one four five three zero
(27:26):
eight five eight or the national helpline at one eight
hundred and two seven to two thirty nine hundred.
Speaker 2 (27:31):
Learn more at alz dot org. Good morning, Welcome back
to the show. It is the twenty second of February
twenty twenty five. Were privileged to be here this morning
in West Palm Beach, Florida at iHeartRadio, where we're now
streaming on the iHeart app. Next Friday, we'll be here
from three to seven pm for a big business expo.
Have with us John Crow, who's the board president of
the Greater South Florida Chamber of Commerce and our host
(27:54):
of our weekly radio programs. He's offsite this morning. We're
going to talk a little bit about the growth that's
going on in Port Saint Lucian drop their Treasure Coast,
and what they're doing with the international airport that's going
in up in that area and the dredging of the
ocean and Fort Pierce. That's one of the fastest growing
areas in the country, let alone the state, and I
(28:15):
want you to touch on that if you would, for
the listening audience this morning.
Speaker 10 (28:18):
John Sure, thanks Rob, good to thank you for having
me on. And yeah, I just I was just recently
at a economic board meeting with the corridor up in
Fort Pierce and we had discussed and well they invited
(28:38):
every quarter they have a growth and economic meeting with
all you know commissioners and FP and L and all
the infrastructure that's going on. Very very informative, and just
to let everybody know that they've just approved an airline carrier.
(29:00):
They're just they have a couple airlines that they've interviewed
and I think they're going to be signing a lease
with one of the major carriers that will be like
well basically what it is is bringing domestic airline that
you know service into the community there, which is huge.
(29:21):
They put just put one point five million and renovating
and gutting the terminal so to accommodate you know, the
public to you know enter and you know travel around
the different they're just going to basically be doing the
eastern coast like New York, and they're going to be
(29:44):
doing New York, you know, Boston, Philadelphia, just all along
the East coast. But they're starting now with one Courier
for now, but they have kind of a ton of
acre they the land that they have available right now
is more than the Miami International Airport. Wow. The land
(30:05):
of growth. So people that are planning on making their
next move or investment wise, they should really seriously look
up in Martin County. That's a hot, hot ticket.
Speaker 2 (30:19):
That's going to bring some money to that area into
the state of Florida.
Speaker 10 (30:23):
Yeah. And a good thing is is that people that
are there are like level headed, been in a community
for a long time, and they want to do it right.
So they're you know, doing all the infrastructure right now,
the you know, the the plumbing, the you know, FP
and L is coming in doing the underground. They're going
(30:45):
to be all the all the electrics going to be underground.
It won't be overhead. That's how they're trying to drop
everything underground that's important.
Speaker 2 (30:54):
That's expensive, isn't it to do it that way?
Speaker 10 (30:56):
Oh? Yeah, definitely. Well, now has the money. They're they're
one of the largest and wealthiest UH electoral contractors in
the country. They're they're huge and and they're getting into
I think they're going to go back into more of
(31:17):
the uh uh when we say the nuclear uh you know,
the uh energy. So they've got plants there that they've done,
they've done hydro and all that. And also too is
they're buying a lot of land in uh the northern
(31:39):
the middle part of the state of Florida, and they're
doing uh you know, the solar panels that are that
are going to be a big part too as well.
Speaker 2 (31:49):
That's very very important. I can imagine that a number
of additional homes that will be built up there because
there's still a lot of commercial land up there that's undeveloped.
So I imagine that's just gonna go all the way
up to zero.
Speaker 10 (32:01):
I would imagine, Oh yeah, yeah, definitely, Pump City. You
can still get lots. I'm looking for a client now
that the lots are going up there in the thirties, twenties,
in the thirties, I remember those down here when they're
selling it that now there you can't get a lot
for three hundred, four hundred thousand.
Speaker 2 (32:22):
Yeah, that's true.
Speaker 10 (32:24):
That crazy.
Speaker 2 (32:25):
Now's the time to do it.
Speaker 10 (32:27):
Oh yeah, you know that. You know, people that want
to have money to invest. I think that's a good
good way to invest. You know, it's a tangible asset.
It's like gold buying gold. You hold it, you can
you know, have and it appreciates and it holds its
value the same way.
Speaker 2 (32:47):
Absolutely.
Speaker 10 (32:49):
But yeah, you've done a lot of events up there.
You've got some events coming up in the area there
too as well.
Speaker 2 (32:55):
Yeah, we have a bunch of stuff going on up
there over the next few months. Yep.
Speaker 10 (32:59):
That's we can post out of an event and bring
up one of the representatives that has has one of
the meeting and given informative, you know over a view
of what's going on.
Speaker 2 (33:11):
Would love to do that. We could do that. A't
can at the Cane Center for sure.
Speaker 10 (33:15):
So exactly. Yeah, it'd be good for the community and
good for people. People don't know. It's nice to have
somebody you can talk to that's a you know, live person.
You can get some questions, answer Q and a correct Right.
Speaker 2 (33:29):
When's the uh, when will that? When's that? What's the
completion date on that airport? When's that supposed to be done?
Speaker 10 (33:36):
Oh, that's an ongoing thing. It's going to be years.
They're they're just they're they're not rushing into it. I mean,
they're they're doing it the right way. I sold twenty
acres along the airport that was used to be a
fill for a dump at one point, and the owner
that was having a hard time selling it. So I
finally we got a gentleman from Miami to come in
(33:59):
and by the track of land. But he has to
clear it. It's costly. Took six months to close the
deal because all of the environmental issues and the stability
of the soil. I think it's going to cost him
about the same amount of money that he bought it
for just to get all the ground ready to build
(34:19):
on for support.
Speaker 2 (34:21):
It's amazing. Yeah.
Speaker 10 (34:23):
I remember on uh there was a building that they built,
the Holiday Inn on Commercial Bulevard, just west of ninety five,
and it was a fill and the building collapsed. Building.
You know, was thinking, I don't know if you remember
that park. Yeah, I think we know. It's commercial.
Speaker 2 (34:44):
Commercial, Yeah.
Speaker 10 (34:44):
Commercial. Yeah, it's right there on power Line Road and
Commercial Well, just west of ninety five. Yeah. But yeah,
it's pretty exciting. I mean, that's a good growth area.
I think my kid's going to look looking up there
to purchase a property, you know't murdered up there. Yeah,
(35:05):
it's it's it's a great community. There's a lot of
a lot of interesting stuff going in here. And you're
in the son of the state too. You're close to Disney,
You're you know, you have access, especially with the airport
coming in. I hear that music in the background, so
I know our time is short. But yeah, if you
anybody wants to reach out to me, give me a call.
(35:26):
I'm staying informed of what's going on the growth up there.
You can reach on myself, which is a nine four
four one zero twenty three oh one. Website is www
dot crorealty dot com. But give me a call.
Speaker 2 (35:43):
Next Friday from three to seven on the twenty eighth,
you can meet John in person over here with this
at heart heart.
Speaker 10 (35:49):
Yeah, awesome, awesome, all.
Speaker 2 (35:51):
Right, John, you have a work weekend. Thank you so much, sir,
Thank you, sir. You got it.
Speaker 11 (36:03):
Buying or selling your home, contact Crollrealty at crollrealty dot.
Speaker 2 (36:07):
Com for the best deal.
Speaker 11 (36:08):
A boutique style real estate company since nineteen fifty one,
Kroll Realty offers Broward and Palm Beach County real estate
experts with unparalleled knowledge and local expertise.
Speaker 2 (36:17):
Just looking.
Speaker 11 (36:18):
Register at Crollrealty dot com, a free website without any hassles,
sign up for email updates on your search criteria, use
the resources and more. Again that's Krollrealty dot Com k
Rllrealty dot com.
Speaker 1 (36:31):
We roll with Kroll.
Speaker 2 (36:33):
Good morning, Welcome back to the show. It's the twenty
second of February twenty twenty five. Privileged to be here
this morning at iHeartRadio in West Palm Beach, Florida. We're
now streaming on the iHeart app. Have with this brand
new corporate trusty ambassador Joel Borders from Borders and Insurance.
Let's go ahead and get into it this morning.
Speaker 8 (36:49):
Joel, Hey, good morning Rob. I'm Joel Borders with Borders Insurance,
and basically you kind of hit the nail on the head.
We are unique and that we can offer all the
services for medicare, help with getting medicaid for those who
need it, life and annuities annuity products through our agency. See,
(37:15):
Unlike typical people, we actually find the best insurance for
our clients' needs. As opposed to just being a one
service all and trying to fit just the products of
one company to a person. We do multiple what Contract
did with all of the companies that offer these services,
(37:38):
and then we go out and find the one that
fits your needs. That's what we do and that's what
makes us unique. We can come to you, we can
be a full service provider. We try to help out
in the community, so we can get out there and
if you need us to come to certain sites and
do certain events, we're open to doing all of those
(38:00):
service that area service people that really want to know
and have knowledge about health insurance, life insurance and a neweries.
So Rob, I appreciate you having us on having me
on today. We can be reached at Vocial Insurance. That's
b O I C H O T I N s
U I n CE dot com. That's our website. I
(38:23):
can be reached by sale at three one four four
eight six nine three eight two and our office hours
are from eight am to six pm Monday through Saturday.
Speaker 2 (38:35):
Joe, how'd you get into the business? I know you've
been doing it for a number of years. What a
little bit on you how you got into it?
Speaker 8 (38:43):
Basically, my background and my partner's background as an operations
management I do a lot of corporate work and finance,
and in my particular instance, I had a grandmother who
after our mother after my mother passed away, and my
mother passed away. First I was kind of left taking
(39:03):
care of her, and in that instance, you know, I
had to navigate Medicare and other insurance, and I just
saw the need and decided that there were probably thousands
of more people like my grandmother who just really needed
help and in the later years, So I got into it.
(39:25):
Originally I went to school for finance, so the annuity
piece and helping people plan their financial piece as they retire.
I had done that earlier in my career, working for
several prokerage firms around the area. So that's kind of
how I got into it, and I got a passion
(39:48):
for it, and I just really wanted to help people.
And Medicare is changing every day, and our needs of
changing each and every day.
Speaker 2 (39:59):
That is true, You're right about that, and it's an
ever changing landscape. And your professional opinion, obviously, I know
that there was some I don't want to say wholesale changes,
but I know that there were some stark changes that
happened to that are actually transpiring as you and I
speak in early twenty twenty five. In your professional opinion,
what do you see as one of the bigger misconceptions
(40:22):
people make when they pick their plans or what are
some of the things that you see that you wish
people would not do that you try to steer them
away from if you would go ahead, Well.
Speaker 8 (40:32):
I think people, as we all get old and we age,
we really don't want to change and it's kind of forced.
The biggest misconception with the landscape with medicare now is
that we believe that, you know, the government is going
to take care of everything and make it easier for us,
(40:52):
and the reality is is that the government has subcontracted
most of Medicare out to individuals, insurance companies, and providers,
so you know, they're just going to do what they've
always done and know to do, and try to run
the systems the way they are. They're not trying to
spend any extra money to make it any easier for
(41:13):
a consumer. So this year's changed with prescription drug coverage.
If you don't know what an HSA is and you
have no experience with that, most people don't know that
that two thousand dollars that you're supposed to pay for
prescription drugs this year, that you can actually divide it
into monthly payments as opposed to trying to swallow it
(41:36):
all and run prescription for the first two months for
the first quarter of the year. So there's those types
of tools that help them win. I can help them
set up the HSA so that it's a little more
suitable and financially easing as you go throughout the years,
opposed to handling it all there was And again Medicare
(41:57):
or federal government won't really explain that to you in
detail on how to do it. They just kind of
throw the information out there and people try to do
what they've always done. And then and there with some
huge medical bills in the first quarter of the year,
and that's that's preventable.
Speaker 2 (42:14):
Yeah, we're really excited about working with you. I know
the fact that you handle the annuities, you handle dental,
do a lot of different things. I think it's going
to be really really important that what we get an
opportunity to do with you is just get your information
out to as many people as possible, set stuff up
for you to come out to the events where you'll
be doing stuff with us. I know you'll be out
of Savannah with us. We could go yesterday on Friday
(42:37):
the twenty first, and Stuart from ten thirty to two
thirty and you'll be with us at iHeartRadio here on
Friday the twenty eighth, when we're doing our business expo
from three pm till seven pm. Here that music in
the background. That means we got about a minute left.
What I want for you to do before we sign
off this morning, give out your contact information again, and
(42:57):
then I want you to touch on anything you're doing
right now that you want to share with the listening audience,
whether it's promotions or whatever it may be. Go ahead
because we'll be doing a series of interviews with you
over the next few months in the course of the year.
Thank you, Joel. Go ahead.
Speaker 8 (43:11):
Hey, thank you Rob again. I'm Joel Borders. We're Borders Insurance.
I can be reached at three to one, four four
eight six nine eighty two. Please give me a call.
If you're having trouble with prescription drugs. We are the
experts with helping people find affordable covers for prescription drugs,
life insurance. That you've had some other issues on demnity,
(43:33):
our problems with dental envision. We offer all those services
and we aim to find you the lowest cost coverage
that's fits your every needs For right now, please consider
us in the future.
Speaker 2 (43:47):
Thank you, Joel, thank you for being with us. You
have a wonderful morning and I look forward to working
with you and we'll see you next week. Thank you, sir.
Speaker 8 (43:54):
Thank you. See you by by her.
Speaker 12 (44:00):
Looking for comprehensive insurance solutions At Borders Insurance. They prioritize
your needs, not the providers. Whether it's individual insurance, Medicare, dental, vision,
disability or life insurance, They've got you covered. Small business owners,
they can help you attract and retain long term employees
with affordable medical insurance options.
Speaker 2 (44:19):
Call Borders Insurance.
Speaker 12 (44:21):
Today at three, one, four, four, eight, six, nine, three
eight to two. Borders Insurance your one stop shop for
all your health and life insurance needs.
Speaker 2 (44:30):
Good morning, Welcome back to the show at Saturday, the
twenty second of February twenty twenty five. How the year
is moving quickly? One one out there. We're privileged you
here this morning at iHeartRadio and West Palm Beach, Florida,
who were now streaming on the iHeart app, have with
this corporate trustee, Ambassador Melissa Cricci with Melissa Crecci Insurance Solutions.
Talk a little bit about what you do Melissa.
Speaker 13 (44:53):
As an independent broker who specializes in Medicare, I mostly
work with clients who are new to Medicare due to age,
retire or disability. I host a free monthly educational workshop
in Jupiter for those who are new to Medicare or
just want a better understanding of it. We go over
the basics of Medicare, how A and B work, as
well as the two programs for coverage. I spend most
(45:15):
of my time enrolling new Medicare beneficiaries into METAGAP or
Medicare Advantage plans. There's also an enrollment period available right
now to make plan changes for Medicare Advantage clients. After
the annual enrollment period ends, we enter a period called
the Open Enrollment Period. This is a special election period
that gives Medicare Advantage beneficiaries the ability to make one
(45:36):
plan change between January first and March thirty first. This
election period only applies to Medicare Advantage beneficiaries. Part D
recipients cannot make any plan changes during this time.
Speaker 2 (45:48):
So what's the difference between Medicare advantage and Medicare Supplement.
Speaker 13 (45:52):
A Medicare supplement works in conjunction with original Medicare to
pick up the cost of original Medicare leaves you with. Generally,
you pay a monthly premium for your plan and it
picks up all Part A costs and the twenty percent
Part B does not cover after you meet your deductible.
Of course, another great feature of a Medicare supplement is
the network. Original Medicare is a nationwide network. With a supplement,
(46:15):
you can seek treatment anywhere in the country and you'll
be covered as long as the provider accepts Medicare. This
is because Medicare is your primary coverage and your supplement
is secondary. The bill goes to Medicare first, and then
Medicare sends the portion it doesn't cover to your supplement.
Because of this, you don't have to worry about which
carrier you go with. As long as your provider accepts Medicare,
(46:35):
they'll accept your supplement. A Medicare advantage plan tends to
pro rate out the deductibles and co insurance that Medicare
leaves you with into a schedule of benefits. For example,
on a Medicare advantage plan, your hospital co pay is
usually about three hundred dollars a day for a week,
three hundred times five is fifteen hundred dollars, which is
pretty close to the part A deductible original Medicare leaves
(46:57):
you with. The great thing about Medicare advantage is it
bundles all your benefits into one package and usually adds
extra benefits like dental, vision and hearing. In general, Medicare
advantage is HMO or PPO style plans, meaning they do
have a network of doctors. HMO plans are very strict
about their network, where PPO plans have internet and network benefits.
(47:20):
The great thing about Medicare advantage is there's usually no premium.
This makes it a great option for those living on
a fixed incomer strict budget.
Speaker 2 (47:28):
Who typically uses your service.
Speaker 13 (47:31):
Melissa, I have two main types of clients. The first
would be that turning sixty five crowd, or those who
have recently acquired Medicare Part B.
Speaker 14 (47:40):
These are people who are new to.
Speaker 13 (47:41):
The Medicare program and need help signing up for it,
understanding how it works, and finding healthcare coverage. The other
main type of client I get are those who are
either unhappy with their coverage or concerned with the costs
associated with their coverage.
Speaker 14 (47:54):
For those who are new to.
Speaker 13 (47:55):
Medicare, I have a special presentation that helps break down
the federal Medicare program and explain the differences between Medicare
supplements or medigap plans and Medicare Advantage plans or parts.
I offer this workshop for free the last Saturday of
every month in Jupiter at the Coffeehouse I Need Coffee
on Indian Town Road. For those who have coverage already,
I help shop for better rates or better premiums or
(48:17):
better benefits and generate custom quotes based on their needs.
With my Medicare Supplement clients, I'm able to help find
lower rates and assist them with the application and medical
underwriting process. I also help them renew their part decoverage
annually and make pharmacy and plan recommendations based on the
most up to date information available through Medicare dot Gov.
With my Medicare Advantage clients, I mostly help them manage
(48:39):
out of pocket costs by quoting them hospital indemni plans.
Speaker 2 (48:43):
What sets you apart from everyone else in the industry? Obviously,
I know that you're very effective. One of the things
that I like about you is you're very punctual. If
someone contacts you, you get back to them within a
matter of minutes, and you're always pleasant, and you really
seem to have the people's vested interest at heart, and
you don't instead of a cattle drive or I don't
(49:03):
like that, or scrap that, but you don't treat them
like a number. You're looking into people's livelihood because of
the fact that you really care about whether or not
they have proper coverage and that they're getting the most
out of their coverage. That's what I see from the
outside looking in. But I'm not well versed in the
industry like you are. What do you feel set you
apart from the industry or so.
Speaker 13 (49:25):
I feel like being an autoimmune patient. I really do
have a unique experience. I'm able to empathize with my
clients on a really personal level, and I just want
to help them feel secure. I also like to point
out to my clients that I'm still young, not like
a lot of other agents, being in my thirties. I
plan to be around for many years, assuring my clients
I'll be around to help them with their coverage in
(49:47):
the later years to come. Another thing that sets me
apart is my main focus is education. Like you were saying,
I spend a lot of time just going over information
and options with my clients, I really get to know
them on a personal level. Because I'm an independent broker,
I represent many different insurance companies. I show my clients
(50:08):
all their options in an unbiased manner, unlike captive agents
that work for one insurance company. I also consider things
like out of pocket expenses and drug costs, helping my
client research their costs and find alternative coverages for out
of pocket expenses. I always include a hospital and demnity
quote with my Medicare advantage sales for that reason.
Speaker 2 (50:28):
Is there anything else you sell that you'd like to
talk about?
Speaker 4 (50:32):
So?
Speaker 14 (50:32):
I also sell dental insurance.
Speaker 13 (50:34):
I can sell the dental plans I offer to people
of any age, but I mostly sell them to Medicare
supplement clients. These are standalone plans that offer up to
a five thousand dollars benefit. They include all your preventative services,
as well as basic and major works such as fillings
and crowns. I have a very popular plan that I
actually carry for myself, called the Pinnacle Plan. This coverage
(50:55):
has no waiting periods unlike most dental insurance, It's maximum benefit,
and it doubles yearly for the first three years, as
well as increases how much it covers. The first ear
you have it, it may only cover fifty percent of
the cost of your basic work and twenty five percent
of the cost of your major work. The second year
it covers sixty percent. The third year the benefit reaches
(51:17):
five thousand dollars and covers eighty percent. This is a
great plan for someone who needs a lot of dental work.
I personally am getting six crowns when my benefit reaches
five thousand dollars next year, and since then all my
preventative cleanings and X rays have been covered at one
hundred percent.
Speaker 2 (51:32):
Now do you have any final words to leave us
with this morning?
Speaker 13 (51:36):
I just want to mention my monthly educational seminar again.
It's the last Saturday of every month in Jupiter. At
the cafe I need coffee. I teach a Medicare workshop
that's free and open to the public, although I prefer
you ARESVP. The seminar is geared towards people who are
new to Medicare, although we cover a lot so anyone
can attend.
Speaker 2 (51:55):
Go ahead and give everyone your pertinent contact information. Let
them know how they can get a hold of you.
To say I up a consultation if they choose to
do as such before we sign off this morning.
Speaker 13 (52:04):
So my name is Melissa Carici. That cs in Charlier,
I c as in Charlie.
Speaker 7 (52:10):
Hi.
Speaker 13 (52:11):
Just add an at gmail dot com to send me
an email. My phone number is five six one two
eight seven zero four zero six.
Speaker 2 (52:20):
Weant to thank you for being with us and you
have a wonderful weekend. Thank you.
Speaker 14 (52:29):
Hey, this is Melissa Cricci. I'm a licensed and insured
local insurance agent. So one thing worth mentioning is the
annual enrollment period for Medicare Advantage did end back in December,
which is known as plan changing season for those on
a Medicare advantage plan. But I do like to remind
all my clients that you have the.
Speaker 13 (52:50):
Open Enrollment Period or OEP available to make one plan
change up until March thirty first. So if you're unhappy
with your current coverage, give me a call. Can reach
me at five six one two eight seven zero four
zero six.
Speaker 14 (53:07):
Caller text.
Speaker 1 (53:08):
You've been listening to the Greater South Florida Chamber Radio
program with your host to board president John Kroll of
Kroll Realty
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