Simplify Your Health Insurance Plans With US Benefits Group/Kushner Agency

At the Greater South Florida Chamber of Commerce, we are dedicated to providing the best business expos in South Florida.

1. Titan Funding.
2. Vital Health & Wellness Group
3. Salma Impact Windows & Doors.
4. Compass Health.
5. USA Benefits Group/Kushner Agency.
6. Palm Beach Research.

Episode Transcript

(00:00):
Welcome to the Greater South Florida ChamberRadio program with your host to board president
John Kroll of Kroll Realty. Goodmorning, Welcome back to the show.
It is the eighth of June twentytwenty four. We're privileged to be here

(00:22):
this morning at iHeartRadio in West PalmBeach, Florida, where we're now streaming
on the iHeart app. Have withus a regular on our program, Corporate
Trustee Ambassador longtime corporate Ambassador John Mansouare also known as the money Man.
He and his partner Edward Piazza haveTitaned Funding in Boca Raton, Florida.
If you're a novice or if you'rea seasoned real estate investor, and if

(00:44):
you do it professionally, you probablyare familiar with Titan Funding. What they
do. They're a hard money lender. They are a direct lender. They're
not a broker. They do bridgeloans. It range from two hundred thousand
dollars up to ten million dollars.It can be cross collateralized from ten million
up two one hundred million dollars.Traditional banking takes weeks and weeks sometime months,

(01:07):
and if you want to execute,you want to execute quickly, and
you have a deposit on something andyou feel like you're in the process of
possibly losing that because of the factthat your funding us falling out from underneath
you. That's where John comes intoplay. What he's going to do this
morning, folks, is explain toyou what a bridge loan is, what
he and his organization do, andhow you may able to reach out to
him and his partner, he andhis team and benefit from the services that

(01:30):
they offer. Go ahead, John, all right, First of all,
good morning, and thanks for havingme on. Yes, sir, thank
you for being with us. It'sa scorch you're out there already anyway.
As you know, and as youso eloquently explained, we are a private
real estate bridge loan lender, andpeople call us for a multitude of reasons,

(01:51):
but most likely they'll call us becausethey're looking for certainty of execution and
because they have a need for speed. As I like to say, you
know, oftentimes, in order totake advantage of an opportunity, sellers want
a buyer to be able to closeon an expedited basis. And that's why
experience real estate investors and developers andbuilders will call titan funding because we can

(02:16):
close quickly, significantly faster than traditionalbanking or financial institutions such as banks,
credit unions, etc. And also, to us, the most important element
of the transaction is the real estate. We're not as credit driven, we're
not as income driven, so welook at the real estate. If we

(02:38):
like the real estate, if welike the sponsor aka the borrower, we
typically do the transactions. Now,John touch for the listening audience on some
of the different aspects of a bridgeloan. What did you use for like,
obviously, the market here in SouthFlorida has been hot for a number
of years and it seems to bea mainstay, whereas they say other parts

(03:00):
of the country things are cooling down. For lack of better grammar, we
wanted you to touch on the differentareas of the country where you do a
majority of your business and touch onsome of the things that are done.
I know, for a long periodof time it seemed like long term rentals
airbnbs was big, and I thinkit still is, but obviously it may
not be to the degree it wasa few years ago. And then as

(03:23):
far as residential stuff or commercial stuff, elaborate on that for the listing audience.
Sure, and your comments are veryinsightful. And I will say this,
the majority of our loans are inthe southeastern United States. That said,
we also have a pretty significant footprintin the state of Maine, of
all places where there's a huge supplydemand imbalance. But you touched upon short

(03:46):
term rentals the airbnb market. Westill do a lot of those, and
that is still a market that isextremely hot. We do a lot in
the build to rent space. Wedo quite a bit in vacant entitled land
for multi family development and hospitality slashhotel development. You know, a lot

(04:08):
of lenders don't like land. Welike. We happen to like land.
We deal with very experienced, veryfinancially sound real estate developers and investors who
you know, oftentimes are very closeto going vertical with their construction, but
they need a bridge loan in theinterim and we can help out. But

(04:30):
with respect to the short term rentalthat Airbnb vrbo market, it's still a
very very active marketplace. And eventhough the market has slowed down slightly,
Florida is still a very robust market, no question, I know you always
say it. Our board president JohnCrowle from Crow Really, he's one of

(04:53):
the hosts of our weekly radio programs. He's been very busy the last few
months. Such as yourself. Ialways talk about how money's made on the
buy side of a real estate deal. And I was talking to someone the
other day at a networking function andthey were commenting on the fact that if
you go between Port Saint Lucie andMiami as an example, or if you
were to go from Vero Beach toMiami, Miami to Jacksonville on either side

(05:15):
of the coast, whether you're goingup through Naples going all the way up,
or if you're coming up on theeast coast side, it's amazing how
many commercial properties, how many hotels, how many office suites, things along
those lines that are available. Youknow they're up for lease because people are
not taking advantage of it, andhow many of them are for sale?
Can you touch on that a littlebit? Are you seeing the same thing

(05:36):
that there's a lot of commercial stuffthat's on the market right now. He
had no question about that. Andwe do very little commercial office and shopping
center loans, significantly less than weused to do. That said, we
don't shy away from it. Ifthe project is right and the sponsors right,
we will still do those transactions withrespect to hospital the hotels. The

(06:02):
hotel business is still extremely, extremelygreat in the state of Florida. And
the big issue right now, Robis that the cost, and it's across
the board, cost have risen dramatically. So you really do need to scrutinize

(06:24):
a development deal much more prudently todaythan you did before. Because we're a
typical multifamily apartment development would have costthree hundred thousand dollars per unit in the
past. Today that number is closerto four fifty or even five hundred thousand
dollars in a unit, and asa result, you really do need to

(06:46):
scrutinize the economics of that transaction.But they still pencil out and they still
make sense. And also I seea lot of empty restaurants and stuff like
that as well, correct some ofthem, some of them. Again,
it's it's highly geographic, you know, if you look at it. The
other thing is a lot of thoserestaurants are vacant because the landlords have raised

(07:11):
rents so dramatically and they sit emptyfor a period of time and then they
find somebody else to come in nowon a restaurant transaction. We We've done
a number of restaurant loans over theyears. On a restaurant loan, we
look purely at the value of thereal estate. We don't look at the
enterprise value. And most restaurant toursunderstand that most owners of restaurant properties fully

(07:32):
understand that. That's awesome. John, we got about a minute left.
I want you to give out yourpertinent contact information that people know how they
can get a hold of you,and then anything else that you want to
share with the listening audience before wesign off this morning. Sir sure,
I appreciate it. They can callus directly eight five five, seven three
one sixteen hundred or just go onlinetitanfunding dot com and fill out a request

(07:57):
for information. I'll call you myself. John. I want to say thank
you for being with us this morning. Have a wonderful weekend. Once again,
it's John Mansour from Titan Funding inBoca Raton, Florida. Thank you,
John, Thanks Rob, have agreat weekend, everybody you Tue sure
tired of the volatility in the stockmarket, looking for consistent yield, Titan

(08:20):
Funding is extending its seven and ahalf percent monthly electronic payouts that are backed
by firstly mortgage notes. You'll receivesteady seven and a half percent monthly payments
and total returns targeted at fifteen percent. All loans are secured by real estate.
Visit titanfunding dot com to learn moreabout our high yield investment opportunities.
That's Titanfunding dot Com. All investmentsinvolved risk past performance of funds, not
indication of future performance. Accordingly,the fund does not make any guarantee or

(08:43):
other promise as to any results ofthe funds that may be obtained from this
or any corresponding. Good morning,Welcome back to the show. It's the
eighth of June twenty twenty four.We're privileged to be here at iHeartRadio on
West Palm Beach, Florida this morning. Where is a hot one outside where
we are now streaming on the iHeartapp. Have with US Corporate TRUSTEMS.
Normally it would be Andy Garcia,but I want you to go ahead and
introduce yourself, young lady. It'sCaitlin Correct, that's your first name,

(09:05):
Yes it is, and your lastname. Hello, everyone, Caitlin Lopez
right, and the company that youwork with, Caitlin all right, So
I work for a Vital Health andWellness group, correct, and that's an
medical assistant for the company. That'san excellent organization, because I want to
share with the listening audience this morninga little bit about the approach that you're
taking, because what yourself and Andyand your team are doing is cutting edge.

(09:30):
And I know that you also representSave a Beat LLC, but with
Vital Health and Wellness, you know, we have about seven or eight minutes.
Get into it this morning and sharewith the listening audience what the objective
is, what your goal is,and what the game plan is behind you
forming this organization. Go ahead,sure, So really the goal behind Andy's

(09:52):
just making this company is really justto provide healthcare for people, not to
have to fight insurance, is notto have these long waits to get seen
and have these problems being solved.So we go ahead and offer at Vital
Health and Wellness IVS injections. Weoffer pab smears, physicals, physicals,
and like ppds for your RBTs fornursing programs. We also go ahead and

(10:16):
just do regular primary care visits includingannual exams, echos, EKGs, ultrasounds,
really you name it. And wecould do it for you. So
really, like I mentioned, hisgoal is just to have a more affordable
business where people are not just ignoringthe problems that they have and can actually

(10:37):
come to a doctor where they feelsafe, they feel comfortable in an environment
where they know they're going to bebacked up, and they know they can
call us at any moment and wewill be there to reply. We do
have something called direct Primary Care.It's basically it's basically a membership fee that
you would pay a month, Soit's one twenty nine a month. You
can include your insurance or not includeyour insurance, And basically what comes with

(10:58):
that one twenty nine month is beingable to get any annual exam, your
past sneers, anything in general thatyou would like to get done as quick
as possible, as affordable as possiblein that one twenty nine membership that is
already included. Now, are thereany restrictions on that? Like, say,
I know you're working with a lotof business owners and they may have

(11:20):
eight employees and may have twelve employees, could have one hundred. Is there
a minimum amount of employees they needto register? And is there anything about
pre existing conditions that would prevent peoplefrom qualifying for the program. No,
not that I am aware of.I think there's no limit on the amount
of people that could join or anythinglike pre health conditions. And you would

(11:43):
also probably tell you, guys,he is more primary here. So anything
that you guys come and see usfor. If you guys may need a
specialist, recommendations will be had.We'll send you guys like referrals to other
specialists. But for the most part, we do take anyone and everyone who
comes in through our doors. Norestrictions on the companies and how many people
they can qualify for. That's interesting. And another thing about you the services

(12:09):
EU offer. I'm not sure aboutthe new program, but I know that
with say the Beat, when you'redoing the mobile, uh, the mobile
aspect of it, you go outto the place of business where you'll go
to people to help them get theircertification. How does it work with Vital
Health and Wealth? Is that mobileas well? Or do they have to
come? Oh, that's awesome,We do both. So let's say you

(12:35):
know, it's already past five o'clockand you really need somebody to just come
and come to your house and justcheck out whatever symptoms you're experiencing, you
can go ahead and actually give usa call. We do do mobile slebotomy
everything actually including ekg's echos. Wewill send a technician to your house if
that's what's necessary. Yeah, wedo do home visits at for injections,

(12:56):
IV's everything. Anything we offer inoffice, we also do offer at your
home obviously with timely manner. Thatway we can get everything situated for you
guys, any technicians that are needed. But for the most part, yeah,
anything you guys call us, andyou guys can't come directly to the
office board, we will accommodate youto go to your home. That is
amazing and talk about some of thedifferent services that you offer through this new

(13:20):
program. Sure, so we haveweight loss programs, primary and premative care,
student employee health WELLNESSED IV therapies andinjections, labs and imaging, telemedicine
and like preoperative clearance. And actually, what's pretty cool about the direct primary
care, it's like very affordable.There's no copy or adaptables as well.

(13:43):
And then yeah, we're just reallycommitted to your health and well being,
Like we care about you. Wewant you to be able to get the
healthcare that you need without having tofight insurances. That's very important, specifically
in today's society because of the factthat, you know, what we know
about insurance companies right now is thatit's tough to get things done. There's

(14:03):
no two ways about it. Yep, exactly. Yeah, that's so that's
the one thing that that's one ofthe main goals really to just eliminate that
foctor because that's when you think aboutit, that's really what starts to limit
people when they don't have insurance sothey can't afford it, or they're fighting
insurances to get things that they needto be tested for that are necessary.

(14:28):
Yeah, that's very very important,very important, and you know, it's
very very important to make sure thatpeople realize that, you know, there's
there's something that they can do,you know, something they can do for
people. And a lot of peoplego through different situations with their providers with
medical stuff and they don't understand what'sgoing on. So the thing that I'm

(14:50):
happiest about is the fact that youand Andy came up with this program that
gives people an option. Because therate that you're charging on for the monthly
feed, that's amazing, That isawesome. And then secondly the fact that
you're mobile and you're able to cometo people or you give them an option
to come into your facility. Youknow, you're controlling cutting edge technology.
It's amazing what you're doing. Hoursof operation is it seven days a week,

(15:13):
five days a week? How doesit work? Okay? So in
terms of office, we are inour Miami office Mondays and Wednesdays, and
on Fridays we are at our Sunriseoffice, which we will actually start taking
patients Tuesdays in the Miami office aswell. And then in terms of you
guys calling, whether you guys meetyour appointment or needs to be seen in

(15:35):
your house, that would qualify basicallythose I would say five days a week,
even on Saturday, is more thanlikely. If something needs to be
urgently done, we could get thatsituated free side. And I'm also really
excited at Caitlin that Andy and yourselfand your team are going to be with
us a week from today from elevenam to five pm at the Miami Springs
Country Club for the City Festival,Healthcare and Business Expo. From eleven am

(15:56):
so five you can come up andmeet Andy and his team and Kaitlyn person
I want to thank you. Ihear that music in the background. We
got about a half a minute left, So give out your phone number and
web address how people can get aholdof you in case they want to reach
out and set up a consultation.Go ahead, Kaitlin, all right.
The phone number is going to beseven eighty six four seven five twenty two
ninety one, and you can goahead and find us on our website at

(16:19):
Vitalhealth and Wellnessgroup dot com. Perfect. I want to thank you for being
with us this morning. Once again, we're on iHeartRadio on West Palm Beach,
Florider, where we're now streaming onthe iHeart app on Saturday, June
eight, twenty twenty four. It'sbeen warm out there. It's going to
be warm today and warm tomorrow.Have a wonderful weekend, Stay safe and
stay hydrated. Thank you, Caitlin, all right, thank you. Discover

(16:45):
a better approach to healthcare with VitalHealth and Wellness Group, our concierge and
direct primary care clinic is dedicated toproviding comprehensive services for adults, from primary
and preventative care to telehealth, GotYou Covered, Need, rapid testing,
lab or imaging services, We provideall the care you need under one roof.
Your journey to a healthier life startshere. Call seven eight six four

(17:06):
seven five two two nine one orvisit Vital Health and Wellnessgroup dot com.
Vital Health and Wellness Group where healthmeets comfort. Good morning, welcome back
to the show. It is Saturday, June eighth, twenty twenty four.
It has been very warm and veryhot. We're under heat index record heat
index restraints and we onet of toremind everybody to stay properly hydrated out there.

(17:27):
We're privileged to be here this morningin the air conditioning at iHeartRadio in
West Palm Beach, Florida, wherewe're now streaming on the iHeart app.
Have with us corporate trustee Ambassador SalmaImpact Windows Indoors with us in studio this
morning is Lisa Rodriguez. And whatI want you to do, Lisa is
give out your pertinent contact information letpeople know how they can get a hold
of you. Yes, Hi,my name is Lisa Rodriguez. I'm from

(17:49):
Salma Impact Windows and Doors. Thewebsite is www dot Salma Impact Windows and
Doors. Phone numbers five six onetwo, five five eight zero six seven
or five, six, one,five, four, three, seven,
eight ninety four. Now some unpackwindows indoors is a unique situation because you're

(18:10):
a newer company. But the thingabout your company, your owner Mario,
yourself, and the rest of yourteam, who have met collectively have over
one hundred and ten years of experiencewithin this industry. You took a totally
different approach most of the time.I don't like to generalize, but a
lot of times when it comes tocustomer service, it's lacking, regardless of
whether it's for personal stuff, yourautomobile, health insurance, whatever it may

(18:32):
be. But obviously when you knowit's your livelihood. If you're doing something
to your home or your business andyou're putting in impact windows and doors because
we're in the heightened you weren't hurricaneseason, and we're in one of the
most treacherous areas in the world wherehurricanes come on a regular basis in Florida.
If you don't have hurricane windows anddoors, you could be in some
serious trouble. But what you're doingis not only are you talking about doing

(18:53):
customer service first and foremost and beinghonest and forthright with people up front,
but you have a pro pro thatyou started in the month of May because
it was Memorial Day. You didit for the veterans, and there's so
many veterans down here and first respondersplease been firefighters, they're all ex military.
You were offering them twenty five toforty percent up to twenty five to

(19:15):
forty percent discount from MSRP, whichis manufacturer suggested retail pricing depending upon the
size of the job. But youextended that in the month of June because
it's hurricane season, not just forveterans, but for anybody. So if
you purchase all your windows in yourhome, Sama will give you a front
six panel door on them, andif you side to upgrade to a half

(19:36):
full glass door or a special design, you'll take off fifty percent of the
front door. Only now touch onthat. What was the idea behind this
program. Well, the owner feltthat it was important to go out there
and help the customers out there andpeople out there because now that we are
getting into hurricane season, he wantsto make sure that everybody's protected in their

(20:00):
home and he wants to make surethey can afford, you know, to
get windows and doors because, likeI stated, in so many of these
interviews, people underaware that if there'sa hurricane coming that the windows are going
to get here in two weeks orthree weeks, and it's not so if
you order now, we might justbe able to get it in before we
actually hear that there's a tropical stormsforming out there, and they will be

(20:23):
taken care of. Now, touchon what you just said, because I
know in passionate interviews you've mentioned onaverage it's eight to twelve weeks. It
could be two to three months.Correct, Yes, it's an average of
eight to twelve weeks, depending againon different factors. Depending on if there's
HOAS to get approved, that cantake anywhere from a week to thirty days.

(20:45):
Same thing with the permitting, dependingon how busy the building departments are,
that could take another two weeks tofour to six weeks. So we
try to give a eight to twelveweek spend time waiting for those results.
As far as HOA and the permitting, and then obviously the merchandise, we
try to get it here as quicklyas you know possible as we can.
And you work with a number ofmanufacturers, correct, yes, we do,

(21:07):
we have up to five, Yeswe do, and they're all domestic,
they're all here in the United States, and all your products that you're
providing are made in the United States. Correct. Yes, that's a very
good thing to know because you're dealingwith helping the economy and you're supporting local
stuff here in America. First,that's good. Like that, that's a
very good idea. Now, whatare you seeing outside of the norm?

(21:30):
What are you saying? Obviously,I know it's hurricane season. On the
twenty ninth and thirtieth of this month, on Saturday and Sunday, you'll be
with us at the Hurricane Preparedness Expoat the Boyton Beach Mall. We usually
draw good crowds for that, andI'm anticipating that to be the case this
year because of the fact that thecounty gets behind it city of Boyton Beach.
And obviously, you know, ifthere's an emergency, which there is,

(21:52):
if there's a hurricane, you know, people always go into panic mode.
So I guess you've only failed ifyou fail to prepare. So if
you don't have your windows and doors, the first step would be to set
up an appointment to have someone comeout from your organization to do an assessment
to see one if you can helpthem, and then find out what you
can do for them. But fromthe top of twenty five to forty percent,

(22:15):
so say it was one hundred thousanddollars job, they could be saving
twenty five to forty thousand dollars correct, Okay, just depending exactly, depending
on the size of the job andall that. Yes, it's very And
this is why he's doing this becausehe wants he wants to put ourselves out
there so we know that, youknow, we want to assist them,
take care of them, to makesure they're you know, they're okay with

(22:36):
their families and their home. Now, there's no there's no minimum for people
to qualify for that reduction, Imean, is it. Well, it
would have to be at least fivewindows on up. Okay, five windows
on up. Yes, that's fair. Yes, five windows on up.
And as far as I know,you do a lot of residential stuff,
do you offer that to people withcommercial dwellings as well? Yes we could,

(23:00):
yes, we could. I mean, we do mostly residential, but
if a commercial bid would come up, yes, we would take it.
For instance, like a hotel orapartment complex or a restaurant. The restaurant.
Yes, okay, exactly, Andlike I said, the main thing
here is for Mario is the factthat is customer communication. I know firsthand
when I've called different companies for anything, they always keep me on hold for

(23:21):
you know, minutes and minutes andminutes, sometimes forty five minutes. He
wants it to be right on top. I was on hold with my doctor's
office because I've been going for someappointments for forty five minutes. The other
day driving and almost wrecked because itdrove me Battie, you know. I
think the great thing about this,though, folks, once again, twenty
five to forty percent discount from themanufacturers you suggested retail pricing depending upon the

(23:45):
size of the job. Some ImpactWindows and Doors would like to offer all
veterans or anybody out there, notjust veterans, anybody here in the state
of Florida, anybody in this areaan opportunity. If you purchase all your
windows in your home, someone willgive you a front six panel door on
them. If you decide to upgradeto a half full glass door or a
special design, they'll take off fiftypercent off the front door only. That's

(24:07):
an exceptional discount. Also next Saturdayfrom eleven a m. Until five pm
at the Miami Springs Country Club.They'll be with us for the City Festival,
Healthfare and Business Expo, and you'llbe able to meet them right in
person because they'll be there with us. And I'm looking forward to having them
there and looking forward to having themwith us at all the other ucoming events
that we have going on. Onceagain, before we sign off, please

(24:30):
to give everyone your phone number,web address and how they can get a
hold of you if they want toset up an appointment, go ahead.
The phone number is five six onetwo five five eight zero six seven or
five six one five four three seveneight nine four. Website is www dot
sellmaimpec, windows dot com. Andfor anybody out there listening, they're saying,
I already have my windows, Ialready have my doors. Try this

(24:51):
on for sizes. All you gotto do is call them and let them
know, hey, a friend ofmine needs this, and if they go
ahead and sign that person up,you get a two hundred fifty dollars referral.
Check that's correct, So I wouldtake advantage of that. If you're
out there in the listening audience.Once again, it's been Lisa and Mario
from Salma Impact Windows and Doors.If you want to make a quick two

(25:11):
hundred and fifty dollars, send thema referral that'll pan out. Thank you
for your time this morning, andhave a wonderful weekend. Everybody stay hydrated.
Thank you, Robert. Thanks.Are you looking for quality windows and
doors to protect your home from extremeweather, look no further than Salma Impact
Windows and Doors. Their products aredesigned to safeguard your home against hurricanes and

(25:32):
other extreme weather conditions. Plus theyoffer a real ten percent discount, referrals
and a cleaning crew after installation.Call today at five six one two five
five eight zero six seven or visitonline at salmaimpactwindows dot com. Honesty and
integrity is Salma's promise to you.Salma Impact Windows dot com. Good morning,
Welcome back to the show. It'sthe eighth of June twenty twenty four.

(25:53):
We're privileged to be here. Iheard radio in West Palm Beach,
Florida, where it has been veryhot for the past few weeks, and
we are definitely under major heat innext morning. So everybody stay hydrated this
weekend with us. This morning iscorporate Trustee Ambassador Alex Radley, who represents
Compass Health Now. They're a FloridaBlue provider and they have offices that run

(26:14):
from Miami all the way up toJacksonville. They do a lot of our
healthfares and senior expos on a regularbasis with us. We want to get
into a little bit this morning.I want to talk a little bit about
your company, a little background onthe organization, and then I want you
to touch base on what's going onwithin your organization. And obviously it's interesting
to watch your team work. Wework with a lot of different companies because

(26:36):
I always say that it's be impossiblefor one company or ten companies to cover
all the seniors in the state ofFlorida because second largest boomer population in the
country behind my home state of California. But it's interesting to watch your team
because you do a lot of referralbusiness, and that's normally not the case
because most people are interested in producingthe sale and then you don't hear from

(26:57):
them again, kind of what happenedto me when I signed up from my
program. But it happens, andit's not pointing fingers. Customer service is
a lost art in America today.But that's something I can say about your
company that stands out. You providecustomer service. You're with people all the
way through, and I like towatch you work as a whole because you
dot the ice across the t's andyou have a lot, a lot of

(27:18):
satisfied customers. I've talked to alot of people in some of the facilities,
you know, those where they live, and it's your target market,
and they're telling me, hey,you know, this is a good company.
I referred some of my friends tothem. So I want to get
out of the way and give youan opportunity to touch on what you're doing
and what's going on, so youcan share with everybody this morning. Go
ahead, Alex, Yeah, Iappreciate it, Rob, thanks for having
me on. So. Yeah,i run our Palm Beach Garden store,

(27:41):
but I'm licensed for all across Florida, so I'm helping people from you know,
Keys all the way up to thePanhandle. And you know, you
know a compass health. We knowthat no two people are the same,
so everybody's got different needs. Youknow, each individual we speak with,
we make sure to take all theirfactors in the consider you know, the
doctors, they need to keep anetwork, the prescriptions they're on, and

(28:04):
you know, we're not just hereto help people get enrolled. We're here
to help them throughout the duration ofthe policy. So you know, when
we sign people up, it's generallynot the last you know, where we
speak to a lot of people willget you know, insurance agents will sign
people up and then you know they'reonto the next one. We're here to
help everyone out throughout the whole durationof their policy. So if there's ever

(28:26):
any trouble they run into, theydon't have to deal with, you know,
calling a one eight hundred number andgoing back and forth with the insurance
company. I make sure my insurancethey're my insurance clients. They have my
phone numbers so they can reach medirectly, you know, instead of just
giving out an office number. Iwant them to reach me on you know,
weekends. You know, emergencies,you can never plan for them to

(28:47):
happen. They happen at the mostinconvenient times. So you know, I'm
always available at all times to helppeople out, whether it's weekends, with
days after hours, to make sureeverything's getting covered according to their benefits.
You know, a lot of peoplewill get signed up on insurance. Now
when it comes to use it,they look at the bill and it's like,
hey, I'm paying all this moneyin insurance. What's not getting covered?
So, you know, I doa lot of stuff on the back

(29:10):
end to make sure that, youknow, the doctors are staying in network,
prescriptions are getting covered, and makesure that the plan that people are
paying for is actually holding up thecenter of the bargain. And that's important
because not every company can lay claimto that and not to be redundant.
But it is nice to know thatwhen we're working with an organization like yours,
that that is the case, it'sthe norm, whereas in a lot

(29:32):
of cases it's not the norm.And it's unfortunate because you know, if
my father lived to be ninety seven, he passed in twenty twenty. He
was healthy at ninety five, hewas still going to the gym, working
out, walking. I love toread. He ended up had cancer.
He beat it, but Alzheimer's doomeddid him in and I was just fortunate
to see at the end he nevergot mean, didn't get violent. But

(29:56):
it was unfortunate because of the factthat it was tough. In my family,
we were fortunate that he was aWorld War Two veteran because of the
fact that he was able to getsome of the best care you can get
in the VA for that, whereasother people like I have another relative,
one of my mother's siblings, who'sgoing through the same thing, and they're
pulling their hair out trying to findproper coverage for this because it's tough,

(30:18):
and I know you deal with allthose different things, people coming off of
surgeries, biopsies, whatever it maybe. People going through health crisis is
and I know you have to bethere to help them and guide them through,
making sure that the bill is adequate, making sure that they're not being
gouged, that they're not being takenadvantage of. So it's neat to see
that because your team is so handson, and that's one once again not

(30:40):
to be redundant. But that isdefinitely not the norm for your industry.
I can say that for sure.Yeah, I appreciate, and you know,
I'm sorry for your loss. Rob. You know, I've seen a
lot of clients and you know,different situations, everybody's different, but you
know, we're we're mainly here toeducate the public. You know, as
I've been here, I've seen alot of horror stories of people, you

(31:00):
know, paying for insurance and thengoing to use it and having a ton
of out of pocket expenses. So, you know, we want to educate
the public and make sure that youknow, when they do get signed up,
they know exactly what they can expectfor each service, whether that be
blood work, X rays, imaging, surgeries, in patient hospital stays.
So you know, before people evengo to use their plan, they have

(31:23):
an idea of exactly what they're goingto be expecting to pay for each service.
In that way, they don't haveany surprises, you know, when
it comes time to pay for thesemedical bills. Yep, that's a very
very important aspect, that is forsure, because unfortunately there can be surprises
and that there's that's one thing youdo not want to be surprised about when
you open up the bill and you'relooking at it to be one angle,

(31:45):
you're hoping it to be at thisparticular level in the oh my goodness,
how how did that happen? Andyou know, because regardless, they want
to be paid and proper coverage isa very important thing in today's society,
and unfortunately there's so many people outhere who you know, lip hand them
out. They go paycheck to paycheckweek to week. So statistics the other

(32:07):
day that over seventy percent of theAmerican public doesn't even have final expense insurance.
Imagine the burden that you're putting onyour family there if you know something
happens God forbid, and you knowsomeone's underwater for a minimum fifty thousand dollars
for a service this day and age, it can be very expensive, not
to mention if there's any medical billsto go along with that. So it's
nice to know that you and yourteam are stepping up and helping people do

(32:30):
the next right thing. You know, we got about a minute or two
lapt ALEX. What I want youto do is keep out your pertinent contact
information how people can get a holdof you till we have you and your
team on next time. Go ahead, sir, Yeah. So I work
out of our Palmage Gardens location.Our office address is nine nine to two
oh alternate A one A sweet eighttwelve Palm Each Gardens, Florida, three

(32:51):
three four one zero. Our officenumber is five to twenty three two eight
nine four zero one. That's youcan always give us a call on our
office number. I also like givingout my cell in case you know I'm
working at events you rob, somy cell phone number is five two eight
one zero seven five zero. Sothere's no bad question. You know.

(33:12):
We're here to help whoever with whateversituation, so you know, just give
us a call. Would love tosee what we can do to make sure
you know you're not paying more thanyou should be, either for your insurance
for the medical bills that come withit. Another you and your team will
be with us a week from todayon the fifteenth down at the Miami Springs
Country Club for the City Festival,Healthcare and Business Expo, and then again
on the twenty eighth of June Fridayat the Cane Center and Stuart and with

(33:37):
us the thought that weekend at theBoytant Beach Mall for the hurricane Preparedness Expo.
And thank you for your time.We want to wish you and everybody
out there happy weekend. Try tostay hydrated and look forward to seeing you.
Thank you, Alex absolutely thanks forhaving me on. We look forward
to seeing you. Thank you.Have a good one you too, sir,
right Bo bye shopping for medical orlife insurance. Our one stop shop

(34:00):
is Compass Health, with representatives availableall year round to enroll. Compass Health
is a Florida Blue authorized agency withsixteen years of experience assisting Floridians. All
Compass Health representatives are fully trained,licensed and certified. To speak with a
licensed agent called seven seven two fivefour six ninety two ninety nine, or

(34:20):
visit Compasshealthinsurance dot com. Compass Health, Your plan, your choice. Good
morning, Welcome back to the show. It is the eighth of June twenty
twenty four. We're privileged to behere on a hot morning at iHeartRadio in
West Palm Beach, Florida, wherewe're now streaming on the iHeart app.
Have what this new corporate trustee,Ambassador Stephen Kushner, who represents USA Benefits

(34:43):
Group and the Cushioner Agency. WhatI want for you to do, Steve,
is give out your phone number,web address how people can get a
hold of you. And I wantto do a little background on yourself and
your organization because I know that youfolks are a large organization and you cover
a lot of ground, but there'ssome unique things that you do that a
lot of people in that sector donot do, so I want to try
to touch on a few of thosethings. It's impossible to get everything in

(35:06):
in one segment. That's why we'llbe doing a series of interviews with you
over the course of the year.You'll be a regular with us. So
let's get right into it this morningand go ahead and give out your pertinent
contact information. Yes, thanks RobSo again, Steve Kushner USA Benefits group
with a Kushner Agency. My directline is five sixty one six nine to
two, five to one, fourto one, and the direct line to

(35:27):
the office is five six one eightseven zero four to one zero six.
Office manager Maira usually answers that lineand she is bilingual speaking Spanish as well.
Awesome. Now, I know alot of people specifically only target what
they say, quote unquote, thesenior exposed or the boomer expos they're looking
for a certain age group. Whereasyou, it's hybrid for you. You

(35:51):
work with a large number of peoplefrom different walks. Can you kind of
elaborate on that for the listening audienceso we can disseminate that. Yes,
sir so, we are a nationalbroker and we contract with over seventy five
different insurance companies. Wow. Yeah, and we have access to the senior
market under sixty five market. We'reone of the few, you know,
true one stop shops for everything healthinsurance, life insurance. Correct. And

(36:15):
that's the other thing too, Iknow that you do the health insurance and
the life insurance. Now, whenyou're working with that many carriers, obviously
you're probably able to go ahead andlook into it and say a person says,
well, I want to go aheadand pick up this plan, Steve.
But the problem is in the pastI was paying too much, or
I couldn't get proper coverage for whatI felt my prescription drug should be a

(36:37):
medication. I couldn't get proper denalin. I don't even know if there is
such thing as proper dental anymore.But I was joke with my kids and
say, if your kids can't decidewhat they want to do, my grandkids,
I hope they go to dental school. But regardless, I mean touch
on that, because that's got tobe a good problem to have, because
chances are, when you're working withthat many different carriers, you're going to
have a better chance of finding aplan that's going to meet the needs or

(37:00):
opposed needs of an individual who's shoppingplans. Correct, yes, sir,
so no, very good points,you know, and it is a good
problem to have, you know,access to that many different insurance companies and
different insurance plans. But I promiseyou you know, we've been doing this
a long time. We keep itsuper simple, all right, And it
doesn't matter what your budget is,what your health is like. Because of

(37:20):
our variety of plans that we canaccess, we could customize the coverage to
meet your specific needs. Again,budget, health doesn't matter. High deductible,
low deductible. We have a verycustomized approach where we do a needs
analysis, You tell us what youwant, and we do our best of
putting it together for you, simplifyingit one step at a time. I
like that fact when you talk aboutsimplifying things, because it seems that things

(37:43):
do get sometimes. I guess Iwant to I'm trying to think of the
proper wording for this. Things canget complicated when things are over emphasized or
underemphasized. And the fact that you'relooking to simplify things for people in your
professional opinion, because I know you'vebeen dealing this for a long time,
and you're very good at it.When I was talking with you and Keith
the other day, what are someof the major misconceptions you think, and

(38:06):
what are some of the major pitfallsthat people run into when they're initially trying
to set up their plans. Yes, sir, So you know, I
preface this by saying, we specializein individuals, families, and small businesses.
Right. We don't do the biggroup corporate plans over fifty employees.
That's a little different wheelhouse for us. We specialize in the smaller businesses.
So, with that being said,a lot of individuals and small business owners,

(38:30):
if they want major medical, forexample, they think they could only
go to marketplace, which, forsure, Hey, marketplace has options,
and a lot of times we endup going to Marketplace. However, there's
private plans that we could get thatare health qualified with low to no deductibles.
There's also private major medical that mostcare excuse me, most brokers may
not have access to. But wehave a full line up of plans and

(38:52):
you know, we go through itdepending on what your individual needs are or
the group of employees. Small groupof employees might be no is it one
to fifty? Is there a minimumnumber of employees? It could be one,
but that can't exceed fifty. Yep. A group plan could be two
people, right right. It couldbe a small family, and typically we

(39:12):
go up to fifty. Our wheelhouseagain is under fifty. We do have
an outlet for it to refer,but typically we do under fifty small groups
and by staying within that structure,I'm sure you're capable of providing significant savings.
Correct, absolutely, yeah, yeah, Well, major medical is not
always a good fit for smaller businessesbecause it's very expensive. Now I could

(39:34):
show you that if you want tosee it, right, But oftentimes we
do smaller group plans that are specializedfor that group. We could customize it
again, kind of all a cartin a way where you pick the benefits
that you want and we package ittailored to your needs. Way more affordable,
low to no deductibles is very importantand what's hard to find these days.
I never want to be assumptive becauseI don't like to assume things because

(39:58):
you know the old analogy that goeswith that. But from what I'm grasping
here, unless I'm picking this upincorrectly, you kind of work, each
individual case or each individual group asits own entity, because no two people
are the same, no two groupsare the same. So what you're trying
to do is I've identify what youhave from your alet carte that benefits them

(40:21):
and provides them the best savings andthe best coverage. Correct, yes,
sir, absolutely, yeah, Noteverybody can say that. Not everyone can
say that because, like you said, a lot of them are stuck going
through marketplace. So that's very interesting. What are some of the other things
that you feel separate your organization fromthe other entities that are out there that
are options. Yes, so USABenefits Group has been in business since nineteen

(40:43):
eighty eight, So the company itselfhas been in business a long time.
A plus rated right, our agencyand myself, I've been in the business
since the early two thousands. Actuallymy dad had an agency and in high
school I worked in his agency,right, So I've been in this a
long time. You know. Numberone for us Obviously, anybody could put
you on a certain type of planand explain the plan to you. What

(41:05):
we pride ourselves in is we comewith the plan myself, my staff.
We are a full service broker we'reeasy to get a hold of. You
know, the healthcare industry, asyou alluded to, is complex. It
can be a gauntlet at times,but we help the customer service. You
know, we're there when you needus, and that's that's number one to
us. And what our customers appreciateabout us is the prompt, immediate service

(41:27):
when needed. That's very important becausethat's not always the case with everyone.
And that being said, seventy fivedifferent carriers, life insurance, health insurance,
major medical, and you know,I'm not taking anything away from marketplace.
It serves its place, serves itspurpose for certain people. But obviously
what this is a whole different animal, a whole different animal, what you're
doing. And it's nice to beable to make this successful, not just

(41:51):
for our membership base, but peoplefrom our network. You know, getting
that signal from headquarters, we gotabout a minute left. What I'd like
for you to do is give outyour pertinent contact information once again. Let
people know how they can get ahold of you and your team until we
have you on next segment, andI know you'll be a staple at all
the upcoming health bears and expos I'mreally looking forward to working with you and
your team. Steve, same here. I appreciate the time, and my

(42:13):
direct line is five six one sixnine two five to one four to one.
Direct line to the office to themain front desk is Myra and that's
five six one eight seven zero fourto one zero six. Now, is
there anything going on cutting edge,any type of a promotional thing that you're
doing, rolling out that you wantto share with everybody before we sign off?
I mean, we do have accessto some new private, major medical

(42:35):
plans that you know, we're excitedabout. It's a kind of a game
changer in the realm of major medicalon the private side of the industry also,
So that's something exciting that's going onright now for sure. Okay,
Well, once again it's been SteveKushner. I want to thank you for
being with us. Have a wonderfulweekend, and God bless my friend.
Same to you, God bless hey. I'm Rob the director at the Greater

(42:59):
South Chamber of Commerce www dot GreaterSouth Florida Chamber dot com. Nine five
four five eight zero eight eight zerotwo. You're listening to one of our
weekly radio programs here at iHeart.If you're interested in becoming a guest on
the show, or advertising with dailyand weekly commercials, or participating in any
of our upcoming exposing events. Pleasereach out to us at nine five four

(43:22):
five eight zero eight eight zero two. Good morning, Welcome back to the
show. It is the eighth ofJune twoenty twenty four. It is a
warm one out there. It's beena scorcher. We're under heat end next
mornings. We are here this morningat iHeartRadio on West Palm Beach, Florida,
where we're now streaming on the iHeartapp. Have with this longtime corporate
trustee Ambassador Palm Beach Research Center.It is Lynn Nelson. They're located at

(43:45):
twenty two seventy seven Pombach Lakes Boulevard, West, Poonebach, Florida five six
one six eight nine zero six zerosix www dot Palmbachresearch dot com. Lyn
Who is Pombach Research Center. Yes, Palmbach Research has been performing research clinical
trials on behalf of the world leadingpharmaceutical organizations since nineteen ninety four. And

(44:10):
these clinical trials they offer hope formany people to find better treatments for diseases
and we are advancing health and wellnessthrough clinical trials as well. What is
a research trial? Well, allmedications they must be tested in a research

(44:30):
place before they can be approved bydoctors to give them to patients. So
a clinical research is just a studythat helps to answer any important questions about
the investigation of medicine. And that'ssuch as if if it's safe, or
does it work or are there anyside effects? So clinical trials are research
studies involving people to help find newways to learn more about diseases and also

(44:55):
to improve healthcare for people in thefuture. And what does a clinical trial
study. Well, clinical trials studynunumerous things. They study new drugs or
new combination of drugs. They alsostudy new medical devices, new ways to
use existing treatments, new ways tochange behavior, and also new ways to

(45:17):
improve the quality of life for peoplewith acute or any type of chronic illnesses.
Who participates in clinical trials Well,there are two type of people who
participate in a clinical trial. Onewould be a healthy volunteer, which is
a person who does not have anytype of known significant health problems or diagnosis.

(45:38):
And we also have a patient volunteerwho is a person who has a
known health problem and it's usually areal disease and it has exhausted all methods
of traditional medicine to treat it.So each study has their own set of
qualification and that's for who participate,But you could also check out our website

(46:00):
as well and you'll get information oneach one of the studies that we're enrolling
patients into. Why is diversity importantin clinical trials? Well, people may
experience diseases differently, so it isessential that the clinical trials include people a
variety of experience and living conditions,and that would be as well as characteristics

(46:23):
like race, ethnicity, age,sex, and that way, so that
all community health communities benefit from thesescientific advances as well. And how safe
is the process when participating in astudy? Because safety is paramount. Yes,
of course, clinical trials they followa specific set of strict standards and

(46:46):
they're also closely regulated to ensure participantssafety at all times. So all trials
and investigational vaccines, they all havetheir potential risk and discomfort such as the
side effects. But we are justconducting researchers on the final phases most of
our studies and each clinical study sothat the side effects are usually already defined.

(47:09):
So sometimes it may be a newvaccine, or it could just be
a vaccine that's currently on the marketand they just want to evaluate a new
dose or a new way to usethat medication. But you know, our
patient volunteers have continuous health checks byour experienced medical team and physicians and nurses

(47:30):
as well at each visit, sothe patients they can contact us anytime via
phone or via video call. Andhow do I get started as a participant
in the study, Well, youcould check out our new website at info
at Palmbeachresearch dot com. All ofus studies are on the website. We
do have an easy online form thatyou can fill out, and once you

(47:52):
fill that out and submit it,a recruiter will reach out to you at
either the time you want to becalled or they will go ahead. As
soon as they get it submitted tothem, they will reach out to you.
And we'll open Monday through Friday eightam to five pm. And just
remember to if you see a studyto enroll as soon as study opened,

(48:15):
so you can have a first chancein getting into the studies because a lot
of the studies fill up fast,more so on migraine and vaccine studies.
Only because they're normally testing new doses, so it's the same vaccine or migraine
medication that's already on the market.As I stated before, it would just
be testing a new dose. Andyou also get compensated for your time and

(48:37):
travel for participating in the clinical trial. And what do I expect at my
screening appointment? Well, you canexpect just at least of course your first
visit, you get to meet withthe clinical team. You could get asked
any questions that you have before signingany consent to proceed with the study.

(48:58):
You also bring a photo ID listof medication if you have your medical history.
We just it could be a stateidea or a passport. Some of
the studies they require for you tohave some blood work or urine samples or
an electrocadiogram. And we do conducton any study, whether it's equipment or
something that you're participating for real diagnosisthat you do have. We do give

(49:22):
you a full physical on site aswell. And what if I do not
qualify for the trial, Well,if you do not qualify, we do
keep your information. We let youknow continuously do different studies that we're currently
enrolling patients into and we send outflyers, we send out emails, and

(49:44):
then we see if it's something thatyou might want to participate in. And
because we have a huge database thatwe only us, we do not share
your information to any outside parties.We do not collect any type of insurance.
It's just that we want to makesure that safety all time, that
we do that complete physical on youto participate. Like I stated, whether

(50:04):
it's in for a diagnosis or foran equipment. We are a list of
our clinicians that are on team.Make sure that you do go ahead and
pre qualify for another study. Andhow long do you have to participate in
the study. Well, some trialsrequire a couple of weeks, some of
them a couple of months, somea couple of years. It just all
depends on the study that you're tryingto participate in and what trials are coming

(50:30):
up. And talk a little bitabout the referral front program sure and another
thing. Just remember that your participationis completely voluntarily and you're free to leave
the study at any time, andthat's for any reason. And right now,
we do have a COPD study thatwe currently are rolling patients into for
patients who are are smokers, forat least a year, a more,

(50:51):
ten years a more, I'm sorry. We also have a bird flu We
have an outbreak of bird flu goingon, so we have a bird food
vaccine we be conducted in a week. We have an obstructive sleep apnea for
the patients out there who do notwant to wear a seapap machine, this
would be an oral medication that wouldtake place of the seapat machine. We
over have a COVID booster, anew covid booster vaccine that will be coming

(51:14):
out as well. And we havesome migraine studies, some urinary tract infection
studies, and just remember you canlook us up on our website at www
pombeachresearch dot com and that too willtell you all of the studies and the
upcoming studies. And the refer friend. If you refer three qualified patients in
a month and you get an extrafifty dollars, you do you get a

(51:37):
qualifying one patient that's fifty, soyou can get a total of two hundred
and fifty dollars for that month ifthe person you refer qualify for the study.
Lastly, to all positions or healthinstitutions that want to be an investigator
in research, we can help youget your research done. Yes, and
this goes out to any physicians orhealthcare practices who are interested in participating.

(51:59):
At palmbachree search of twenty nine yearsof experience, we are a clinical team,
so we handle all the patient logistics, study supplies, and we even
offer malpractice insurance, so you wouldjust focus on your patients, get compensated
for participating in the research, andthat way you can even gain some patients
that way as well. Just rememberwhen not a treatment facility which we are

(52:20):
not treating or taking insurance on yourpatient. Let us guide you throughout the
process of getting involved with research andyou can contact us today at five six
's one six eight nine zero sixzero six to learn more about this unique
opportunity. Once again, it's beenLynn Nelson from Palm Beach Research Center,
twenty two to seventy seven, PoeBeach Lakes Boulevard, West, Pombach,

(52:40):
Florida five six one six eight ninezero six zero six, or go to
www dot palmbachresearch dot com. Lemknow you heard about it on June eighth
from iHeartRadio Greater South Florida Chamber program. Thank you, Thank you, Are
you searching for a healthcare study foryou or love one? At Palm Beach
Research, we perform clinical trials tofurther advancement of medications and medical devices.

(53:06):
Patient participants volunteer to assist research doctorsin the testing process and making a difference
in the lives of others. Mostresearch trials will pay for your time and
your travel too. Call us todayat five six one six eight nine zero
six zero six to find out whichstudy works for you or your loved one.
That's five six one six eight ninezero six zero six. You've been

(53:27):
listening to the Greater South Florida ChamberRadio program with your host to board president
John Kroll of Kroll Realty