Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Good Saturday morning to all on thislast Saturday in June twenty twenty four,
Dick schuligear and this is safe money. We are here every Saturday to share
with you our listeners on the strategieswe use with our clients to manage and
protect assets, and to manage andprotect those assets safely in today's very unsafe
(00:26):
world. You know, we heldour virtual community meeting last week with good
good attendance. These meetings are forpersons aging into medicare and receiving all that
solicitation material from various insurance companies.As you may know, some time ago,
(00:50):
we conducted these virtual or we conductedthese community meetings in person. We
go to a meeting room somewhere andhost these meetings in person. Now,
when the COVID epidemic hit, webegin hosting these meetings virtually. And as
it turns out, the virtual hostingof these educational meetings actually resulted in increased
(01:15):
participation. So we decide to stickwith the virtual community meetings. So our
next virtual community meetings will be comingup here on July sixteenth and eighteenth.
On Tuesday July sixteenth, at teno'clock, Greig reviews the basics of Medicare
(01:36):
and then focuses on the Medicare supplementprograms that are available. Two days later,
on Thursday, July eighteenth, againat ten o'clock in the morning,
Craig talks about the basics of Medicareand then focuses on the advantage plans which
are available in this area, andin particular we feel is the more competitive
(02:00):
of the advantage plans end up byUnited Healthcare, and it is the AAARP
Care Advantage Plan, So tune infor that on July sixteenth and July eighteenth,
So shot those shot those days downand remember to turn in. Call
(02:23):
Craig a couple days in advance ofJuly sixteenth and July eighteenth. Call him
at five six three three three twotwenty two hundred to get directions on how
to participate in these meetings or dropme an email. Go to my website
go to Dickshillig dot com and scrollover to our icon for contact information and
(02:52):
my email address is there if youwant to use that. So aging,
you know, at any age,healthcare is a priority, so when you
retire, you will probably focus moreon healthcare than ever before. Research has
(03:13):
found that the following the following habitswere linked to substantially longer life. First
of all, being physically active,secondly, being free from opioid addiction,
number three, not smoking, numberfour, managing stress number five, having
(03:38):
a good diet, number six isnot regularly binge drinking, and number seven
having good sleep. Hygiene and numbereight have social relationships. So research discovered
(03:59):
that people who adopt all eight habitsby age forty are predicted to live an
average of twenty four years longer thanmen and women who have none of these
habits. Women who have all ofthese habits will live a predicted twenty one
years longer than women with none ofthe habits, according to the findings from
(04:25):
these studies. So staying healthy isyour goal, and this can mean more
visits to doctors for preventive tests andpreventive routine checkups. There's also a chance
that your health will decline as yougrow older, increasing your need for costly
prescription drugs or medical treatments. That'swhy having health insurance is extremely important,
(04:51):
especially especially as we age. Soin retirement your health you're changing health needs
increase, So if you are sixtyfive or older when you retire, your
worries may lessen when it comes topaying for healthcare. You are most likely
(05:15):
eligible for certain health benefits from Medicare, a federal health insurance program, upon
your sixty fifth birthday, but ifyou retire before age sixty five, you'll
need some way to pay for yourhealth care until Medicare checks in. So
generous employers may offer extensive health insurancecoverage to their retiring employees, but this
(05:41):
is an exception rather than the rule. So if your employer doesn't extend health
benefits to you, you may needto buy a private health insurance policy,
which can be very very costly.So extend your employer sponsor coverage through COBRA,
(06:02):
or purchase an individual health insurance policythrough either a state based or a
federal health insurance marketplace. So goto healthcare dot gov and you can find
that marketplace and receive immediately a responseas to what subsidy you will qualify for
(06:26):
to help pay for that insurance.Now, remember one thing, Medicare will
not pay for long term care,so if you need long term care,
you'll need to pay for that outof pocket or rely on benefits from a
long term from a long term careinsurance policy. So when it comes to
(06:51):
planning for your retirement income, it'seasy to overlook some of the common factors
that can't affect how much you'll haveavailable to spend. If you don't consider
how your retirement income can be impactedby investment risk, inflation risk, catastrophic
(07:14):
illness, especially long term care,and don't forget about taxes, you may
not be able to enjoy the retirementyou envision. So let's talk about long
term care. First. Let's clarifywhat is long term care. Someone with
(07:36):
a long physical illness, a disability, or cognitive impairment such as Alzheimer's disease
often need long term care. Manydifferent long term care services can help people
with these conditions. Long term careis different from medical care because it generally
(08:01):
helps you to live as you are, instead of improving or correcting a medical
problem. So long term care servicesmay include help with activities of daily living
ADLs, activities of daily living,home health care, respite care, hospice
(08:26):
care, or adult daycare. Nowthat care may be given in a nursing
home or assisted living facility, ora hospice facility, a day care facility,
or in your own home. Longterm care also includes care in your
(08:48):
own home. Long term care mayinclude care management services, which evaluates your
needs and coordinates and monitors your longterm care services. Someone with a physical
illness or disability often needs hands onassistance or standby assistance with activities of daily
(09:15):
living. Activities of daily living arethe most common way insurance companies decide when
you are eligible for benefits. Mostcompanies use six activities of daily living now.
These are bathing, continents, dressing, eating, tordenting, and transferring.
(09:41):
Those are the six commonly accepted ADLsactivities of daily living. Typically a
policy. A long term care policypays benefits when you can't do a certain
number of the ad E, suchas two of the six or three of
(10:05):
the sex. So people with cognitiveimpairments often need supervision, protection or verbal
reminders to do activities. Medical personnels, such as registered nurses or professional therapists,
provide skilled care for medical conditions.This care usually is needed twenty four
(10:26):
hours a day and is ordered bya physician and follows a plan. Individuals
usually get skilled care in nursing homes, but also may get it in other
places. For example, you mayget skilled care in your home with help
from physiting, nurses or therapists.Skilled care includes services such as physical therapy,
(10:52):
wound care, or professional who mightgive you medicine through an IV for
example. Personal care, sometimes calledcustodial care poscentivities of daily living. These
activities include bathing, eating, dressing, toilenting, continence, and transferring.
(11:16):
Personal care is less involved than skillcare and may be given in many settings
many different types of settings. Longterm care can be expensive. The cost
depends on the amount of care neededand when you get it at home or
in a facility. Long term careexpenses may be needed when physical or mental
(11:41):
disabilities empier your capacities perform everyday basictask. As life expectancies increase, so
does the potential need for long termcare. Pain for long term care can
have a significant impact or retirement incomeand savings, especially for the healthy spouse.
(12:05):
Well. Not everyone needs long termcare during their lives. Ignoring the
possibility of such care and failing toplan for it can leave you or your
spouse with little or no income orsavings. Even if you decide to buy
long term care insurance, don't forgetto factor the premium costs into your retirement
(12:30):
needs. A complete statement of coverageincluding exclusions, exceptions, and limitations is
found only in the long term carepolicy, so it should be noted that
curriers have the discretion to raise theirrates and remove their products from the marketplace.
(12:52):
My gosh, soveral years ago,when we were providing long term care
insurance Covery just, there was alarge number of insurance companies that offered long
term care insurance. Now today,boy, we have very very few companies
that even offer long term care insurance. I think the maximum number would be
(13:18):
six insurance companies offer long term care. So long term care expenses may be
needed when physical or mental disabilities impairyour capacity to perform everyday basic task.
As life expectancies increase, so doesthe potential need for long term care.
(13:46):
Pain for long term care can havea significant impact on retirement income and savings,
especially for a healthy spouse. Whilenot everyone needs long term care during
their lives, ignoring the possibility ofsuch care and failing to plan for it
can leave you or your spouse withlittle or no income or savings if such
(14:13):
care is needed. Even if youdecide to buy long term care insurance,
don't forget to factor the premium costsinto your retirement income needs. Because the
premium for long term care insurance isexpensive, A complete statement of coverage,
(14:33):
including including exclusions, exceptions and limitations, is found only in the long term
care policy. It should be notedthat carriers have the discretion to raizor rates
and remove their products from the market, so that is a significant factor.
(14:58):
A number of employers providing retirement healthcare benefits to windows, and the cost
of medical care, including the costof long term care, continues to spiral
upward, So planning for that catastrophichealth care costs and retirement is becoming more
(15:18):
and more important. If you recentlyretired from a job that provided health insurance,
you may not fully appreciate how muchhealth insurance, how much health care
really costs. Healthcare is expensive nowwhile we're employed and we carry employer provided
(15:43):
insurance, then we kind of forgetwhat the cost of health care is.
And boy, once we retired,we're shocked to find out what the cost
of health care is is tremendous.So, despite the avil ability of Medicare
coverage, you'll likely have to payfor additional healthcare expenses out of pocket,
(16:07):
especially the costs for long term care. You may have to pay the rising
premium costs of Medicare Part P coveragewhich helps pay for outpatient outpatient services,
and or Part D prescription drug coverage. You may also want to buy supplemental
(16:32):
Medicap insurance, which is used tohelp pay Medicare deductibles and co payments,
which provide protection against catastrophic expenses suchas long term care that either exceed Medicare
benefits or are not covered by Medicareat all, and boy, that would
(16:55):
be shocking to come across that.Otherwise, you may need to cover Medicare
deductibles, code payments, and othercosts. Out of pocket taxes can also
impact your available retirement income, especiallyif it's a significant portion of your savings
(17:18):
or income comes from tax qualified accountssuch as pensions for one case, and
traditional iras. Since most, ifnot all, of the income from these
accounts is subject to income tax,so taxation is a risk and a real
risk that we face in retirement.So understanding the tax consequence of investments such
(17:47):
as pensions such as iras or fourto one case, that becomes an increasing
important factor. So have you plannedfor these factors when planning for your retirement?
Consider these common factors that can affectyour income and savings. While many
(18:08):
of these same issues can affect yourincome during your working years, you may
not notice their influence because you arenot depending on your savings as a major
source of income. However, investmentrisk, inflation risk, taxation risk,
(18:30):
and health related expense risk, includingthe costs of long term care, can
greatly impact your retirement income. Sonext week we will continue our discussion of
the risk we face in retirement andespecially the healthcare risk which include the costs
(18:52):
of long term care expenses. Soget our virtual community meetings which are coming
up here in July July sixteenth andeighteenth. Jot those dates down and we
will be happy to talk with youabout those about those risks that we face.
(19:19):
Remember long term care. Today's topicon long term care. It was
designed to put emphasis on the costsof long term care and the fact that
the costs of long term care arenot Most of costs of long term care
(19:40):
are not covered by Medicare, andthey're not covered by advantage plans. Either
the costs of long term care orour personal costs and the costs which we
need to factor in when we cometo planning or costs. Today's stock market
was mostly even for the most part. But I encourage you, since the
(20:03):
stock market is up and has reachedan all time high in recent months,
where I encourage you to take alook at our safe money harbors, especially
the safe money harbors of our indexannuity. When you look at that index
anduity strategy, you'll realize that indexinuityaccount values share in the growth of the
(20:29):
market. They don't share in themarket declines. That's why I can stay
here with all confidence on safe money. I can say that our clients have
not lost money. They didn't losemoney during those three consecutive down years of
the turn of the century. Theydid not lose money in that big down
(20:52):
year of two thousand and eight,so they didn't lose money that time.
Because of the fact that the investmentstrategies we use includes the indexinuity, the
indexinuity does not share in the downturnsof the market. The indexinuity only shares
(21:14):
in the upside of the market.Our current indexinuity we have pays currently pays
a thirty five percent bonus, soyou may want to consider that for doing
your retirement planning. Thirty five percentbonus on the money that you invest will
(21:37):
be included in that account value,so encourage you to take a look at
that. If you'd like to haveadditional information on that indexinuity, please call
me call me at five sixty threethree three two twenty two hundred, or
you can email me. Go tomy website go to Dickshilly dot com,
(21:57):
screwed over to the contact icon andpick up my email address and send me
an email if you'd like to correspondin that manner. Again, I want
to remind you about our upcoming communitymeetings, our virtual community means coming up
here on Tuesday July sixteenth and ThursdayJuly eighteenth. Boy. On both of
(22:22):
those meetings, we cover the basicsof Medicare, and then on the sixteenth
we emphasize the Medicare supplement plans thatare available and in particular, then on
July eighteenth, again we focus onthe basics of Medicare and concentrate on the
Medicare advantage plans that are available inthese Medicare regions, and especially the Medicare
(22:48):
plan, the advantage plan offered byUnited Healthcare and that is called the AAARP
Medicare Advantage Plan. Remember AARP isnot the insurance company. The insurance company
is United Healthcare. So give mea call, call me at five six
three three three two twenty two hundredand we'll be happy to talk with you
(23:11):
about that. So have a good, good weekend, look forward to talking
with you next week. Good day,
Good Saturday morning to all on thislast Saturday in June twenty twenty four,
Dick schuligear and this is safe money. We are here every Saturday to share
with you our listeners on the strategieswe use with our clients to manage and
protect assets, and to manage andprotect those assets safely in today's very unsafe
(00:26):
world. You know, we heldour virtual community meeting last week with good
good attendance. These meetings are forpersons aging into medicare and receiving all that
solicitation material from various insurance companies.As you may know, some time ago,
(00:50):
we conducted these virtual or we conductedthese community meetings in person. We
go to a meeting room somewhere andhost these meetings in person. Now,
when the COVID epidemic hit, webegin hosting these meetings virtually. And as
it turns out, the virtual hostingof these educational meetings actually resulted in increased
(01:15):
participation. So we decide to stickwith the virtual community meetings. So our
next virtual community meetings will be comingup here on July sixteenth and eighteenth.
On Tuesday July sixteenth, at teno'clock, Greig reviews the basics of Medicare
(01:36):
and then focuses on the Medicare supplementprograms that are available. Two days later,
on Thursday, July eighteenth, againat ten o'clock in the morning,
Craig talks about the basics of Medicareand then focuses on the advantage plans which
are available in this area, andin particular we feel is the more competitive
(02:00):
of the advantage plans end up byUnited Healthcare, and it is the AAARP
Care Advantage Plan, So tune infor that on July sixteenth and July eighteenth,
So shot those shot those days downand remember to turn in. Call
(02:23):
Craig a couple days in advance ofJuly sixteenth and July eighteenth. Call him
at five six three three three twotwenty two hundred to get directions on how
to participate in these meetings or dropme an email. Go to my website
go to Dickshillig dot com and scrollover to our icon for contact information and
(02:52):
my email address is there if youwant to use that. So aging,
you know, at any age,healthcare is a priority, so when you
retire, you will probably focus moreon healthcare than ever before. Research has
(03:13):
found that the following the following habitswere linked to substantially longer life. First
of all, being physically active,secondly, being free from opioid addiction,
number three, not smoking, numberfour, managing stress number five, having
(03:38):
a good diet, number six isnot regularly binge drinking, and number seven
having good sleep. Hygiene and numbereight have social relationships. So research discovered
(03:59):
that people who adopt all eight habitsby age forty are predicted to live an
average of twenty four years longer thanmen and women who have none of these
habits. Women who have all ofthese habits will live a predicted twenty one
years longer than women with none ofthe habits, according to the findings from
(04:25):
these studies. So staying healthy isyour goal, and this can mean more
visits to doctors for preventive tests andpreventive routine checkups. There's also a chance
that your health will decline as yougrow older, increasing your need for costly
prescription drugs or medical treatments. That'swhy having health insurance is extremely important,
(04:51):
especially especially as we age. Soin retirement your health you're changing health needs
increase, So if you are sixtyfive or older when you retire, your
worries may lessen when it comes topaying for healthcare. You are most likely
(05:15):
eligible for certain health benefits from Medicare, a federal health insurance program, upon
your sixty fifth birthday, but ifyou retire before age sixty five, you'll
need some way to pay for yourhealth care until Medicare checks in. So
generous employers may offer extensive health insurancecoverage to their retiring employees, but this
(05:41):
is an exception rather than the rule. So if your employer doesn't extend health
benefits to you, you may needto buy a private health insurance policy,
which can be very very costly.So extend your employer sponsor coverage through COBRA,
(06:02):
or purchase an individual health insurance policythrough either a state based or a
federal health insurance marketplace. So goto healthcare dot gov and you can find
that marketplace and receive immediately a responseas to what subsidy you will qualify for
(06:26):
to help pay for that insurance.Now, remember one thing, Medicare will
not pay for long term care,so if you need long term care,
you'll need to pay for that outof pocket or rely on benefits from a
long term from a long term careinsurance policy. So when it comes to
(06:51):
planning for your retirement income, it'seasy to overlook some of the common factors
that can't affect how much you'll haveavailable to spend. If you don't consider
how your retirement income can be impactedby investment risk, inflation risk, catastrophic
(07:14):
illness, especially long term care,and don't forget about taxes, you may
not be able to enjoy the retirementyou envision. So let's talk about long
term care. First. Let's clarifywhat is long term care. Someone with
(07:36):
a long physical illness, a disability, or cognitive impairment such as Alzheimer's disease
often need long term care. Manydifferent long term care services can help people
with these conditions. Long term careis different from medical care because it generally
(08:01):
helps you to live as you are, instead of improving or correcting a medical
problem. So long term care servicesmay include help with activities of daily living
ADLs, activities of daily living,home health care, respite care, hospice
(08:26):
care, or adult daycare. Nowthat care may be given in a nursing
home or assisted living facility, ora hospice facility, a day care facility,
or in your own home. Longterm care also includes care in your
(08:48):
own home. Long term care mayinclude care management services, which evaluates your
needs and coordinates and monitors your longterm care services. Someone with a physical
illness or disability often needs hands onassistance or standby assistance with activities of daily
(09:15):
living. Activities of daily living arethe most common way insurance companies decide when
you are eligible for benefits. Mostcompanies use six activities of daily living now.
These are bathing, continents, dressing, eating, tordenting, and transferring.
(09:41):
Those are the six commonly accepted ADLsactivities of daily living. Typically a
policy. A long term care policypays benefits when you can't do a certain
number of the ad E, suchas two of the six or three of
(10:05):
the sex. So people with cognitiveimpairments often need supervision, protection or verbal
reminders to do activities. Medical personnels, such as registered nurses or professional therapists,
provide skilled care for medical conditions.This care usually is needed twenty four
(10:26):
hours a day and is ordered bya physician and follows a plan. Individuals
usually get skilled care in nursing homes, but also may get it in other
places. For example, you mayget skilled care in your home with help
from physiting, nurses or therapists.Skilled care includes services such as physical therapy,
(10:52):
wound care, or professional who mightgive you medicine through an IV for
example. Personal care, sometimes calledcustodial care poscentivities of daily living. These
activities include bathing, eating, dressing, toilenting, continence, and transferring.
(11:16):
Personal care is less involved than skillcare and may be given in many settings
many different types of settings. Longterm care can be expensive. The cost
depends on the amount of care neededand when you get it at home or
in a facility. Long term careexpenses may be needed when physical or mental
(11:41):
disabilities empier your capacities perform everyday basictask. As life expectancies increase, so
does the potential need for long termcare. Pain for long term care can
have a significant impact or retirement incomeand savings, especially for the healthy spouse.
(12:05):
Well. Not everyone needs long termcare during their lives. Ignoring the
possibility of such care and failing toplan for it can leave you or your
spouse with little or no income orsavings. Even if you decide to buy
long term care insurance, don't forgetto factor the premium costs into your retirement
(12:30):
needs. A complete statement of coverageincluding exclusions, exceptions, and limitations is
found only in the long term carepolicy, so it should be noted that
curriers have the discretion to raise theirrates and remove their products from the marketplace.
(12:52):
My gosh, soveral years ago,when we were providing long term care
insurance Covery just, there was alarge number of insurance companies that offered long
term care insurance. Now today,boy, we have very very few companies
that even offer long term care insurance. I think the maximum number would be
(13:18):
six insurance companies offer long term care. So long term care expenses may be
needed when physical or mental disabilities impairyour capacity to perform everyday basic task.
As life expectancies increase, so doesthe potential need for long term care.
(13:46):
Pain for long term care can havea significant impact on retirement income and savings,
especially for a healthy spouse. Whilenot everyone needs long term care during
their lives, ignoring the possibility ofsuch care and failing to plan for it
can leave you or your spouse withlittle or no income or savings if such
(14:13):
care is needed. Even if youdecide to buy long term care insurance,
don't forget to factor the premium costsinto your retirement income needs. Because the
premium for long term care insurance isexpensive, A complete statement of coverage,
(14:33):
including including exclusions, exceptions and limitations, is found only in the long term
care policy. It should be notedthat carriers have the discretion to raizor rates
and remove their products from the market, so that is a significant factor.
(14:58):
A number of employers providing retirement healthcare benefits to windows, and the cost
of medical care, including the costof long term care, continues to spiral
upward, So planning for that catastrophichealth care costs and retirement is becoming more
(15:18):
and more important. If you recentlyretired from a job that provided health insurance,
you may not fully appreciate how muchhealth insurance, how much health care
really costs. Healthcare is expensive nowwhile we're employed and we carry employer provided
(15:43):
insurance, then we kind of forgetwhat the cost of health care is.
And boy, once we retired,we're shocked to find out what the cost
of health care is is tremendous.So, despite the avil ability of Medicare
coverage, you'll likely have to payfor additional healthcare expenses out of pocket,
(16:07):
especially the costs for long term care. You may have to pay the rising
premium costs of Medicare Part P coveragewhich helps pay for outpatient outpatient services,
and or Part D prescription drug coverage. You may also want to buy supplemental
(16:32):
Medicap insurance, which is used tohelp pay Medicare deductibles and co payments,
which provide protection against catastrophic expenses suchas long term care that either exceed Medicare
benefits or are not covered by Medicareat all, and boy, that would
(16:55):
be shocking to come across that.Otherwise, you may need to cover Medicare
deductibles, code payments, and othercosts. Out of pocket taxes can also
impact your available retirement income, especiallyif it's a significant portion of your savings
(17:18):
or income comes from tax qualified accountssuch as pensions for one case, and
traditional iras. Since most, ifnot all, of the income from these
accounts is subject to income tax,so taxation is a risk and a real
risk that we face in retirement.So understanding the tax consequence of investments such
(17:47):
as pensions such as iras or fourto one case, that becomes an increasing
important factor. So have you plannedfor these factors when planning for your retirement?
Consider these common factors that can affectyour income and savings. While many
(18:08):
of these same issues can affect yourincome during your working years, you may
not notice their influence because you arenot depending on your savings as a major
source of income. However, investmentrisk, inflation risk, taxation risk,
(18:30):
and health related expense risk, includingthe costs of long term care, can
greatly impact your retirement income. Sonext week we will continue our discussion of
the risk we face in retirement andespecially the healthcare risk which include the costs
(18:52):
of long term care expenses. Soget our virtual community meetings which are coming
up here in July July sixteenth andeighteenth. Jot those dates down and we
will be happy to talk with youabout those about those risks that we face.
(19:19):
Remember long term care. Today's topicon long term care. It was
designed to put emphasis on the costsof long term care and the fact that
the costs of long term care arenot Most of costs of long term care
(19:40):
are not covered by Medicare, andthey're not covered by advantage plans. Either
the costs of long term care orour personal costs and the costs which we
need to factor in when we cometo planning or costs. Today's stock market
was mostly even for the most part. But I encourage you, since the
(20:03):
stock market is up and has reachedan all time high in recent months,
where I encourage you to take alook at our safe money harbors, especially
the safe money harbors of our indexannuity. When you look at that index
anduity strategy, you'll realize that indexinuityaccount values share in the growth of the
(20:29):
market. They don't share in themarket declines. That's why I can stay
here with all confidence on safe money. I can say that our clients have
not lost money. They didn't losemoney during those three consecutive down years of
the turn of the century. Theydid not lose money in that big down
(20:52):
year of two thousand and eight,so they didn't lose money that time.
Because of the fact that the investmentstrategies we use includes the indexinuity, the
indexinuity does not share in the downturnsof the market. The indexinuity only shares
(21:14):
in the upside of the market.Our current indexinuity we have pays currently pays
a thirty five percent bonus, soyou may want to consider that for doing
your retirement planning. Thirty five percentbonus on the money that you invest will
(21:37):
be included in that account value,so encourage you to take a look at
that. If you'd like to haveadditional information on that indexinuity, please call
me call me at five sixty threethree three two twenty two hundred, or
you can email me. Go tomy website go to Dickshilly dot com,
(21:57):
screwed over to the contact icon andpick up my email address and send me
an email if you'd like to correspondin that manner. Again, I want
to remind you about our upcoming communitymeetings, our virtual community means coming up
here on Tuesday July sixteenth and ThursdayJuly eighteenth. Boy. On both of
(22:22):
those meetings, we cover the basicsof Medicare, and then on the sixteenth
we emphasize the Medicare supplement plans thatare available and in particular, then on
July eighteenth, again we focus onthe basics of Medicare and concentrate on the
Medicare advantage plans that are available inthese Medicare regions, and especially the Medicare
(22:48):
plan, the advantage plan offered byUnited Healthcare and that is called the AAARP
Medicare Advantage Plan. Remember AARP isnot the insurance company. The insurance company
is United Healthcare. So give mea call, call me at five six
three three three two twenty two hundredand we'll be happy to talk with you
(23:11):
about that. So have a good, good weekend, look forward to talking
with you next week. Good day,
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