Health and Wellness Show 03-22-25

Episode Transcript

Speaker 1 (00:13):
Good morning. Now time for the Health and Wellness Show
on one O three point five FM and five sixty AMWVOC.
It's terrific to have you with us on this Saturday morning.
Thanks so much for joining us. My name is Gary
David and coming up I'll be talking to folks like
well Jim Snell from the Law Office of James Nell,
Matt Lyons Carefree boat clubs out at Lake Murray. They

(00:33):
got some great deals going on right now, getting ramped
up for the voting season. But let's start off with
talking about your health insurance and health insurance today for
those under the age of sixty five with Jeff how
from Health Marcus. Jeff, Good morning, sir, Good morning Gary.
We talk a lot about for old folks like me,
man for those who are sixty five and older, and Medicare,

(00:53):
but today we want to focus on the well at
least for me, younger folks, those hundred sixty five and
the options you've got, and well the future of healthcare
for those under sixty five.

Speaker 2 (01:09):
Yes, and often those conversations go hand in hand, especially
when we're talking about a married couple. You may have
one spouse who's working and who's turning sixty five and
they're going on Medicare. Yeah, and maybe it's time for
them to retire, and you know, they're losing their group
health insurance, but they're going to be in a good
position on Medicare. Then they have a younger spouse and

(01:31):
maybe sixty two, what do they do for the next
three years. That's often the conversation that I have with
my clients.

Speaker 1 (01:37):
Absolutely, yeah, yeah, we've thought about that. Then in my household,
not that I'm going to retire anytime soon, but if
I did, my wife is almost a considerable younger to
be but I got about four years on, so we'd
have to have that conversation, I guess, right.

Speaker 2 (01:52):
Absolutely. So, you know, of course, we just had an
election and we have the new president and his new
team and they're doing law of things, and how does
that felt affect healthcare? You know, we really don't know yet.
You know, of course, Robert Kennedy was confirmed as you know,
head of Health Human Services, but we have doctor Oz

(02:15):
who's in the confirmation process or head of CMS. The
MS is in charge of them. Helped health insurance for
Medicare in for the under sixty five Affordable Care Act,
So so you know, there's a lot of moving parts
right now in d C, and we don't really know where.
You know, the under sixty five market is going to

(02:37):
be come November first for the new open enrollment. So
you know, I was in d C a couple of
weeks ago, and I have a few ideas where it
may be heading.

Speaker 1 (02:47):
Well, you want to share those with us, or it's
just this is your magic eight ball you're looking at here.

Speaker 2 (02:52):
I mean, really, no more in a magic eight ball
is it's a prediction. But essentially, what we have currently
in the marketplace is that we have the laws from
COVID right then PLAC Reduction Act, the American Rescue Act,
which extended subsidies past their normal levels. So for example,

(03:12):
if we take that family at two that we were
just talking about, the sixty five and the sixty two
year old, it's only them on their taxes, right, their
tax household of two before COVID, I would have this
chart and I pull up on my computer when meet
with them, and if they made one penny over just
throughout an old number, but let's say seventy two thousand, right,

(03:33):
so when they followed jointly on their taxes for that
particular year, so twenty twenty five, and they're going to
make more than seventy two thousand dollars a taxi income,
then they would get no subsidy, meaning the federal government
would not pay any portion of their health insurance. They
would have to pay full price. So that's sixty two
year old younger spouse to be looking at a premium

(03:55):
they may not like. Frankly, however, and I'm gonna, yeah.

Speaker 1 (04:00):
Just pause right there for a second, because there's a
I guess for folks who aren't on the Affordable Care
Act and never have been, they've always had employee sponsored
plans or or they're you know, on Medicare. Now over
sixty five, there was this this this thought that what's
been so often referred to as Obamacare is actually the
government healthcare system. It's it's well, in this case, a

(04:21):
lot of times, right, blue cross blue shield, it's just
stood through the government. So yeah, in those days, I
guess the rate that before these uh uh, you know,
these these these stipends would have been similar to that
in the old days, is going out on your own,
I guess to a blue cross blue shield and BIGA policy.
Will it be correct?

Speaker 2 (04:43):
Correct? I mean blue Cross Blue Shield here in Lexing County.
You know, it was a great plan. Every hospital in
the states and network and so you'll find, you know,
most doctors take the blue Cross Blue Shield that's with
their Affordable Care Act. So you know, you wouldn't have
an interruption networks more times than huh. And so the
plan itself would blue Cross. But the money part, you

(05:06):
have to negotiate the Affordable Care Act. Okay, so how
much it will cost.

Speaker 1 (05:11):
So prior to COVID, you're basically in this again, in
this example, you're sighting here, you're paying the full.

Speaker 2 (05:19):
Load, right, Okay, unless you made unless you're on the
subsidy chart. So essentially, unless that couple of two is
making between twenty thousand and seventy two thousand, talking in generalities,
that's generally correct. So if they were on that chart, however,
they said, Okay, my estimated income is going to be
sixty thousand, well then the federal government would pay a

(05:41):
portion from their health insurance. But that made seventy two
thousand and one dollars that they're one dollar over. They
were out of luck. What happened during COVID is the
number that that last number that seventy two thousand got expanded.
And I've seen my clients, you know, they can make
around two hundred thousands still get a subsidy. Unfortunately, these

(06:04):
expanded subsidies are set in the sunset or go away
on December thirty first, twenty twenty five, so at the
end of this year. So unless something is done, unless
it's have to be Congress who does this, it cannot
be done by executive order. So less Congress acts and
extends these subsidies, you know, these expanded subsidies, that we're

(06:26):
going to go back to the old way of looking
at the chart, and if you're not on the chart,
you're out of luck. So that's the biggest change we
could see for twenty twenty six health insurance premiums.

Speaker 1 (06:39):
Well, I'll get up my eight ball. I'm badgic eight
ball and say that again, considering the current political climate
and the cost cutting measures that we're seeing talked about
left and right, that again, as you mentioned, this would
be a congressional act, not an executive act. But boy,

(06:59):
I don't know, see if you agree with me on
this or not. I'm thinking these things probably go away.

Speaker 2 (07:05):
I think you're right. I think you're right, and so
I think they would have to be for it to
be for these expanded subjects to be extended, they would
have to be framed in a certain way as to
where it looks like at the cost cutting measure, and
I really don't see how they can frame it in
that light. So I think more likely than not they're

(07:28):
going to go away. So then we go back to
the old system, and there's a lot of people who
have been paying these reduced premiums due to these expanded
subsidies who are still in their sixties, and they may
have one two three years ago before they reach Medicare age,
and they will most likely see their premiums go up

(07:50):
January one, twenty twenty six.

Speaker 1 (07:52):
Unfortunately, just throw out some spitball numbers here, will you, Jeff,
I mean, what in this again, using this example of
the same couple, what might they be paying now and
what might they be paying in twenty twenty six? Yeah?

Speaker 2 (08:07):
Sure, So let's take a sixty two year old eight
thousand dollars in income. They're probably getting enough subsidies to
where their premiums could be around the four hundred or
five hundred dollars a month range. For that one sixty
two year old, you take the subsidies away, it could
be around twelve hundred dollars. Oh my goodness, it's a

(08:29):
big difference.

Speaker 1 (08:30):
That's a big number, Jeff, twelve hundred a month.

Speaker 2 (08:35):
People, we're want to be in shot. Come this open
enrollment is if these expanded substies are not continued. Now,
I would think the alternate argument to that would be, well,
shouldn't the top price come down?

Speaker 1 (08:49):
Right?

Speaker 2 (08:49):
So had the top price been inflated because these subsidies
are so prevalent, right, So if the top price of
plans twelve hundred and the subsidy eight hundred, So if
someone's paying a net four hundred, if the expanded subjty
goes away, will that top price of twelve hundred come down?
Who knows? You know, That's that's something to be to

(09:12):
be to be seen. We don't know, you know. Open
enrollment will start November one. It's November one to December
fifteenth for twenty twenty six. So we just we're gonna
have to wait and see what the prices look like,
what the subsidies look like. And it's going to be
a waiting game. And but they're going to have to
act soon. You know, insurance companies don't exactly you know,

(09:34):
turn on a dime most of these plans and most
of these companies must submit you know, their plans options
to a CMS, you know, around May. So we've only
got a few months for them for a lot of
this to work out. You know, we can't go into
open enrollment November and not know anything.

Speaker 1 (09:56):
So what what happens? What happens if yeah, this this
doesn't get any been taken up until this summer or
early fall, or what are the insurance companies going to
go and just set higher rates just in case?

Speaker 2 (10:09):
I would think that would that would that's not a
that's not out of the question, so or at least
the same rates. So we just don't know. So we
don't know, We don't know. You know. When I was
in d C, there's I was. I was there on
the day when the Tuesday when the budget was trying

(10:30):
to get pasted, and so that was that was an
interesting day.

Speaker 3 (10:33):
But it.

Speaker 4 (10:36):
You know, d C.

Speaker 2 (10:37):
I think it's interesting. The power is not what the
legislature rate.

Speaker 1 (10:42):
Right.

Speaker 2 (10:43):
Obviously the Democrats don't have the votes, they don't have power.
But I also kind of found the Republican legislators didn't
really have much power either. They're kind of sitting around
waiting to get there, directed from the executive branch. So,
and I think that what happened in healthcare is going
to have to probably come from directed from the executive branch,
and the legislators will follow suit.

Speaker 1 (11:04):
Is it use of the case though, Jeff, that any
kind of We'll look at this as an entitlement, entitlement, okay,
these these subsidies, it is, it's an entitlement, okay. Is
it usually the case though? Historically that once the government
hands out something like that, it's very difficult to take
it away. I realized this is kind of kind of different.
This is just allowing it to sunset and go away,

(11:25):
but still it would be taking it away. And a
lot of times in DC there's not much of an
appetite for either party to do something like that.

Speaker 2 (11:33):
That's true, that's an old Ronald Reagan quote. That's right,
you're right. So, I mean it's possible that these expanded
substies continue based on that, based on that light, and
somehow somehow it's framed politically, you know, to where they continue,
maybe they extend it for one year. That's that's a possibility.

(11:57):
So we shall see. But for someone needs insurance now,
right in March or twenty twenty five, you know someone's retiring,
they're coming off group health insurance, they still get the
expanded subsidies for the rest of this year guaranteed till
December thirty first. And I mean with people every day
who they're retiring, or they just move to South Carolina,

(12:19):
or they're switching jobs, they're taking a job that does
not have health insurance, they're getting married, getting divorced, to
have a kid. There's many reasons why people are buying
health insurance every day currently, and they can still take
advantage of the lower prices guaranteed.

Speaker 1 (12:34):
So explain to us, Jeff now, because anybody could go
on the healthcare dot gov website. I think that's a website,
isn't a healthcare dot go and do this for themselves.
But yet you offer a free service to assist folks
in this process. Why do folks want to come to

(12:54):
somebody like you at health markets versus just hop on
a computer do with themselves.

Speaker 2 (12:59):
That's right, So my service is free. You sit down
with me in about fifteen or twenty minutes. I can
put you on the right plan that fits with a
person's particular doctor, their particular prescriptions. Healthcare dot Gov is very,
very confusing, and no two plans are the same. You
may look at one Blue Cross plan and think, oh,

(13:20):
that's a great price, that's for me, then find out
that prison is not in that network because it's an HMO,
and it doesn't if you don't research, or you don't
know what you're looking for, and you would never know
that just looking on healthcare dot gov. Or you may
pick a oh a better Molina looks good, but then
you find out when you want to go to a dermatologist,

(13:40):
you can't the closest one than Charleston. So I don't
let that happen to my clients, and so I find
out who their doctors are, what their prescriptions are. You know,
you may a person could pick a plan and their
prescriptions not covered under a certain plan and they would
never know that. And so there's a lot hidden on
health care. I go and there's a lot less confusing,

(14:02):
and I sit down and I make sure that my
clients are taken care of them. We don't put them
in a bad position.

Speaker 1 (14:08):
Again, for folks, going on Medicare for us older folks,
you do the same for them as well, of.

Speaker 2 (14:12):
Course I do that, are right. We sit down with
someone who is turning sixty five, or maybe they've worked
past sixty five and now they're retiring, and we look
at their prescriptions and doctors and see if a Medicare
supplement and drug card or possibly a Medicare advantage plans
the right fit for them. No two people are the
same son, Even two spouses can be on completely different

(14:35):
plans because one plan fit one spouse and one plan
will fit another spouse.

Speaker 1 (14:39):
Okay, I've been wanting to ask you this for a
while now. You talked about this earlier, and so just
briefly go back and touch on this. You talk about, okay,
on Affordable Care Act and in particularly subsidies go away,
and you're thinking, okay, I won't be making over seventy
two thousand dollars a year, but you don't really know, right,

(15:00):
you don't.

Speaker 2 (15:01):
Really know, and self employed especially.

Speaker 1 (15:04):
Exactly, and suddenly you come up making more than seventy
two thousand a year. What happens? How is it government
getting that money back from that's all to the tax apparatus?
How does that work.

Speaker 2 (15:16):
That's where that's where everything is screwed up. So if
someone sits down with me and says they're going to
make seventy two thousand twenty twenty five when they file
their taxes April fifteenth, twenty twenty six for the twenty
twenty five year, the line to look at, the most
important line is line eleven of your federal ten forty

(15:38):
was called a justin growth income. And so that line
will be compared with their guests. So if that line
says one hundred and two thousand and not seventy two,
then the federal government will say, hey, well, you were
paying four hundred dollars a month for your health insurance.
You should have been paying six hundred dollars a month.
We're going to pop you another twenty four hundred on

(15:58):
your taxes two hundred dollars times twelve. So that's where
it's trued up.

Speaker 1 (16:02):
If if you just had this amazing windfall in December
of the year, it doesn't matter you're getting you're getting
charged for all twelve.

Speaker 2 (16:07):
Months, correct, correct, And I mean that certainly happened. You
see a realtor who makes a sale, they close the sale,
you know, last month of the year and they get
paid December thirty. First, it goes on their twenty twenty
five taxes. They may have to pay back some of
their health insurance subsidies. You can certainly happen.

Speaker 1 (16:26):
You could put you a penny over the limit and
suddenly you're paying for all twelve months. Yeah, yeah, okay,
I got you, Jeff. This is why it's so important
to talk to folks like you and anybody wants to
sit down and get your your absolutely free services. What
do they need to do?

Speaker 2 (16:40):
My friend, Yes, glad to help. My office is right
here by the flight Deck restaurant and Lectington Health Markets
Insurance my phone number eight zero three six seven eight
eight one two one. You can call her text that's
eight oh three six seven eight eight one two one.

Speaker 1 (16:55):
Yea, Jeff, and Health Markets and Lexington. Thank you, You appreciate
anybody as always.

Speaker 2 (16:59):
Thank you.

Speaker 1 (17:00):
This is the Health and Wellness Show on what three
point five FM and five sixty AMWVOC. We'll be right back.

Speaker 5 (17:07):
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(18:27):
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(19:03):
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Speaker 1 (19:26):
Welcome back to the Health and Weller Show on one
of three point five FM and five sixty a m
w v OC. As we welcome in Jim Snell from
the Law Office of James Snell. Good morning to you, sir,
Good morning. How to heck our things? Man?

Speaker 4 (19:40):
Oh you know everything very well right, So just enjoying
our next spring weather yeah and the pollen.

Speaker 1 (19:46):
And the yeah you say with tongue in cheek. Yeah, right,
slips and falls today? I don't know, Pollin, can you
slip and fall on Paula? I guess if it gets
wet you could, couldn't you.

Speaker 4 (19:59):
I know, I'll tell you always like the time of
year when when it builds up so heavy, you can
you know, leave your footprints, you can kind of track it.

Speaker 1 (20:08):
I'd rather that in snow, but that's okay, that's just me.
But yeah, you can't, can't you?

Speaker 4 (20:15):
And I guess that's the that's our signal that spring
has officially begun.

Speaker 1 (20:18):
Yes, And you know, I was mentioning this last hour
on the Home Poop and Show of the Midlands that
I've read this article last week. This is because temperatures
have warmed it over time. Now are pollen seasons like
a month longer than it used to be. Okay, yeah,
I can see that. It seems like it is starting earlier.

(20:39):
I mean, we're not covered in this stuff yet, but
we're feeling it at least. Yeah. Slips and falls, well, yeah, so.

Speaker 4 (20:46):
It's just some of the you know, I want to
just thought of thought of talk about and you know,
kind of what the what really the truth is about
those cases. You know, when people get injured, you know,
some kind of falling act incident, and they want to know,
do I have a case? Right? So, and that's something
that certainly, you know, I've helped in my office helps

(21:07):
people with is to evaluate their injuries in the situation,
to help them determine if they do. And but I
kind of talk about, you know, kind of just some
of the big points people should consider. So, so, first
of all, you know slip and falls that that you know,

(21:29):
I guess the legal term for those kind of injuries
are called premises liability stores. And yes, you know it's
like restaurants stores, just you know, typically business places.

Speaker 1 (21:46):
Although well, what about if it was my house?

Speaker 4 (21:49):
Uh what Well, I was gonna say, yeah, if if
there is a not you, but if there's a guest
in your home, if I fall my own house, and
that's on me, that's on you. But but you get
it you have a third party or a guest come over. Absolutely,
I've actually done some pretty significant premises cases really dealing
with injuries and houses.

Speaker 1 (22:11):
And so.

Speaker 4 (22:13):
All right, So, so here's kind of the general framework. Right, So,
a homeowner or a business you know, whoever owns the
business or operates the business location, they are not. The
law doesn't say that they have to guarantee someone's safety
or you know, automatically be responsible when somebody is hurt

(22:37):
due to some kind of fall or injury on the premises.
And you can have these kind of cases not only
from falls that occur in the building, right, but also
sometimes maybe in the parking lot even right, or the
sidewalk maintained by the business or the property.

Speaker 1 (23:00):
Right.

Speaker 4 (23:01):
So I actually had some pretty significant cases dealing with
falls and parking lots, right. So really, what what what
you have to have is a situation where you have
a unsafe kind of dangerous condition. And number two, the
the what we're gonna call it, the owner the operator

(23:23):
has to either know or they should know that that
condition exists. All right, Okay, so you know, my my
parents had grocery stores, uh and work grocery stores. And
I'll tell you, like just by way of a Supermark example,
if somebody slips and falls on some wess and oil, right,

(23:49):
which we would have kept on the number three aisle
record for the record. Yeah, just all plastic bottles now.
But I'm saying, just hypothetically, say there's there's the slippery
substance on the floor. Right, in order for the store
to become liable, they either have to know that slick
surface is there, or you have to be to show

(24:10):
that that condition has existed for long enough that the
store should have known. Okay, And one of the things
is obviously, nobody when they're walking in a store business,
nobody is going to look at the it's going to
see a slick spot and then step in it.

Speaker 7 (24:29):
Right.

Speaker 4 (24:30):
But what of the defenses is, hey, you gotta you
have an obligation to watch out where you're going, right,
So you've got this balance between the dangerous condition has
to be either you know, so obvious that the that
the person responsible should you know, would know or should know.
But at the same time, if it's too obvious, maybe

(24:55):
the person who got injured they should have seen it
and not gotten hurt in the first place. So you
have that balls between those two competing kind of ideas.
The thing about the injuries, you know, for things that
are gonna you know, mayor it getting a lawyer involved
or bring in a legal you know, an actual legal claim.

(25:16):
You know, injuries you know really have to be you
have to have injuries right. So before we.

Speaker 1 (25:21):
Get it, let me let me. Let me let me
pause for a second here. Okay, using that example with
the West and Oil got a couple of questions. So
let's say it can be established that before I walked
down Aisle three, yes, that someone else had gone there.

(25:41):
They had taken a bottle West and Oil off the
shelf and then for some reason decided they didn't want it.
They put it back up, but they put it like
on the edge of the shelf. And that's just like
a moment or two before I walked out out three.
It falls off, it breaks, spills oil out. I'm not
paying it, you know, i'd start, I turned the corner

(26:03):
and boom, there it is. I'm down, okay. Versus the
shelf had some issues. You know, it wasn't installed properly,
or the store should have known that it was. You know,
it was the shelf, something slipped or whatever gave way.
It comes down. Now I walk over it and fall down.

(26:25):
I'm thinking in my mind that in the first case,
I don't have much of a case that correct if it.

Speaker 4 (26:31):
If it happened immediately before you turned that corner, and it.

Speaker 1 (26:36):
Wasn't the fault of the grocery store, it hadn't.

Speaker 4 (26:38):
Been on the floor long enough for the store to
know or should know it's there.

Speaker 1 (26:42):
But what the same timeline, same time frame though, But
it's the it's because that shelf was rickety or what
have you, and it slips and this thing falls off
and maybe I'm just yeah, just turning the corner, same
time frame, but then it hits the floor. Do I
have a case that, well, you should have known that shelf.

Speaker 4 (26:59):
Was at that point. Now, now you're getting in facts
that you can could argue and make the story responsible.
And I'll tell you one thing, like a common thing
you look for in any situations. Well two things. Number one,
a lot of stores have cameras everywhere, so after after
a significant fall, you know their their mechanisms to get

(27:23):
the camera footage and then you can actually look and
see how long it's been there. Another thing, though, is
you look for buggy tracks and I'm using I'm using
our silk, I'm using our Southern term for a shopping cart.

Speaker 1 (27:43):
It's a buggy. It's a buggy.

Speaker 4 (27:44):
But but you know, you know, you could you can
look and see where the cart carts have been pushed
through or there have been maybe other footprints right that
indicate you know it at least have been there long
enough for other people to go through it, and that
that's something you can also can also be used to
point to to say, hey, this has been on the
floor long enough that the store should have known.

Speaker 1 (28:06):
Right, let me plow this out before me on. My
third question was this, does Wesson oil have any liability? Okay, okay, well,
I'd use Wess as an example. Let's not talk about genecifically,
but just generally, yeah, general, whoever the oil is all right.

Speaker 4 (28:24):
So so now we're getting into something a different area law, right,
called products liability. And yeah, there are situations where if
a dangerous item is incorrectly packaged, like the package is
not sturdy enough to put that item, you know, whatever

(28:44):
it is, you know out for you know, in widespread use, they.

Speaker 1 (28:49):
Use the thin plastic you get on the water bottles.

Speaker 4 (28:51):
Ye, right, And I would tell you that I'm aware
of some situations and legal claims where they were like
kind of chemical like you know, they can cause chemical
burns or those kind of reactions like drain cleaner. I
think there was one example I remember where there was
a like an industrial strength drain cleaner in a real

(29:11):
flimsy container and basically, yeah, if it fell, you know,
the cop cap would pop right off, there's nothing holding
the liquid in and it can splash all over you
know whoever and cause chemical burn. So yeah, in those
situations it may not be the it. You have this
products liability claim potentially against the manufacturer. And in South Carolina,

(29:36):
when you have those type of products liability claims, you
very well can also raise them against the store.

Speaker 1 (29:45):
Not so much.

Speaker 4 (29:46):
Maybe it's maybe it's different than a premises case, although
frankly you you you throw everything in the in the
in the claim. But because South kind is a statute
where merchants can be held strictly liable when they sell
unsafe goods.

Speaker 1 (30:01):
Okay, does the store have any recourse to go against
the manufacturer? Yes, okay, yeah, yeah they'll be.

Speaker 4 (30:08):
There'll be I'll be pointing fingers right and and and
same sort of thing.

Speaker 1 (30:12):
You know, you got to have a real injury.

Speaker 4 (30:14):
So you know, somebody like every now, you know, every
now and then, I'll talk to somebody and they say, well,
I slipped and it was you know, clearly like the
floor was wet, slick, I slipped, but I didn't get hurt.
And it's just like, well, you know, sorry that happened,
you're embarrassed. Sorry, sorry that happened. But without an actual injury.

Speaker 1 (30:38):
They emotional injury for being embarrassed. I'm guessing no, thank you,
good and all right, So the the.

Speaker 4 (30:47):
And I'll tell you even in situations where the store,
are the business, or the premises or whoever operates, you know,
may be negligent. Again, they're always going to point out
and they say, well, you should have been more careful
where you're talking, and then they use that argument to
try to say, you know, either because if we were
liable or we're responsible, you're just as responsible as we are,

(31:11):
right because you should have been paying better attention. So
we're not you know, we're not gonna we're not going
to cover this, or you know, maybe yeah, maybe we're
mostly responsible, but you've got a good chunk of it,
so we're we think you get less compensation than you
would if it was a one hundred percent our fault, right,

(31:32):
And there'll be a lot of wrangling about that. So
one of the things that's real important if people are
injured in that kind of kind of accident, right, they
need to immediately notify the store management that the injury happened, okay, right,
they need to if possible, take some pictures of exactly

(31:56):
what it looked like, like what's the scene. They need
to I mean if if, if they're hurt, right, I mean,
get medical attention. I mean just you know, if you
think you really got got hurt, I mean, get checked out. Obviously,
should do that, just for your health and and everything.
But that documents the injury. Additionally, now a lot of

(32:20):
times the store will present an accident report form or
some paperwork and they say.

Speaker 7 (32:25):
Fill this out.

Speaker 4 (32:26):
Right, you're not required to fill those out. You're not
required to complete it. And and typically those are things
that are used by the defense, you know, maybe the
insurance companies to try to lock people in because you
know they're they're gonna be trying to to kind of

(32:46):
talk to the police. You know, everything you say can
may be used against you. Right, So you're not required
to fill out those forms. Just tell the management I
got hurt. And you also, you know, don't shouldn't get
involved with doing recorded interviews with insurance adjusters and everything else,
because because look, you get even innocently, you say something wrong,

(33:10):
or you forget some detail, or you just don't get
a chance to say, you know, tell the whole story,
the fact that something got said wrong or not said. Absolutely,
you'll get raised as a defense later. Sure you know.

Speaker 1 (33:26):
So, all right, So.

Speaker 4 (33:28):
In these situations where people feel like they really may
have gotten a real injury because of some kind of
unsafe condition, right, that is type work in my office
does we offer free consultations, doesn't cost any money to
come talk to us. When we accept those kind of cases,

(33:49):
they're done on contingency, which means you don't have to
pay money up front. We get a percent of the
recovery if it's successful. If their costs like we have
spend money on medical records or hiring an expert, you know,
witness type to offer the opinion what the what the
while the condition was unsafe. You know, we'll even cover

(34:11):
all those expenses up front and just where we get
paid at the end after fees are calculated. So people
can just give us a call. Our number uh is
eight zero three three five nine three three zero one,
and we're on the website Snell Law dot com which
is three l's Snell Law dot com. Main offices in Lexington.

(34:32):
But we're happy to help people in Columbia, Lexington and
all all around South Carolina.

Speaker 1 (34:37):
All right, Jim, good to see it, my friend, Thank you,
And this is the Health and Moto Show on one
O three point five FM and five sixty AM WVOC.

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Speaker 1 (36:49):
And we're back on the Health and Wellness Show three
point five FM, five sixty AMWBOC and of course always
on the absolutely free, totally cool iHeartRadio app. If you
haven't put us as your number one pre set on
the update of that app. Go ahead and do so.
If you have an update drop in a while check
that out because you're gonna really love the new features. Hey,

(37:09):
it's Matt Lyons, the proprietor at a carefree boat clubs
at Lake Murray with two locations on either side of
the lake. Good morning, my friend.

Speaker 7 (37:16):
Good morning sir. How you been good?

Speaker 2 (37:17):
Now?

Speaker 1 (37:17):
I understand that you have officially now officially set the
opening date of of Lake Murray boating season this year.
I have I have it. You're the guy.

Speaker 7 (37:28):
I'm the guy.

Speaker 1 (37:28):
Yeah.

Speaker 7 (37:28):
No one was really willing to step up and make
that date, sobody's got to do it. Figured i'd put
it down. And weather has been getting better, boats have
been going out more, and I had to put a
line in the sand literally when I'm in Hey, I
have sand over at Lake Murray Resort.

Speaker 1 (37:45):
YEP.

Speaker 7 (37:46):
So I had to say to myself, what's the date
where all the new boats got to be in. They
got to be broken in, members got to be trained
and ready to go out and comfortable on the water.
I got to be fully staffed and everything else. Right,
there's a there's a lot to get done. And I
said to myself, I got to come up with a date,
so I picked May seventh, which is a Wednesday, a Wednesday. Yeah,

(38:09):
it's officially the first Wacky Wednesday, which is kind of
a boating party that happens on the lake at Sandy Beach.
We have a lot of members who hop in a
boat and go out there. I'll be there myself. We're
sponsoring the first Wacky Wednesday, providing food for everyone and
taking donations for a very good local charity and so forth.
And then we get going. The Beach Club opens then

(38:32):
May eighth, the next day, first live music at the
Beach Club. May ninth the next day after that over
at Lake Murray Resort. And by then all of our
new boats will be fully broken on the water ready
to go, including got to think care for a minute,
sting Ray twenty three foot bow rider with a three
hundred horsepower engine, a twenty four foot dual console Salefish

(38:57):
two brand new, fully tricked out, fulk in bass boats
for those who like to fish, and then new this
year it brand new, brand new this year we had
we still have the center console fishing boat. But I
wanted I've been wanting to add a bass boat, and uh,
because I make bad choices, I added to one Frey excited.

Speaker 1 (39:19):
Well, you know what is right, maybe if you're fifty
to fifty odd.

Speaker 7 (39:22):
One was the perfect boat, exactly exactly, And the deciding
factor was I had one member who said, you know, Matt,
I love everything about the club, but I really wish
you had a bass boat and you'd let me go
out super early to fish. And I said, I'm going
to get you a bass boat then, and we'll let
you go out as early as you want to go out.
Just don't expect me to meet you, but we'll leave
the keys for you and make sure you're able to

(39:44):
launch it and get going. And he can go out
at four or five am and have a great morning.

Speaker 1 (39:49):
Now, you just told us a lot. He just packed
a bunch of information.

Speaker 5 (39:52):
I do.

Speaker 7 (39:53):
I talk, I talk real fast. I'm one of those.

Speaker 1 (39:54):
Northern no But if you've never heard bat with us
on the Health and Wellness Show, you might be surprised
to find out. I didn't know so much stuff went
on at a boat club.

Speaker 7 (40:07):
A lot goes on. We really I'm a I'm a
huge fan of the boat club business. From a standpoint,
it saves you a bunch of money. It's third the
cost owning a boat. Third cost doesn't matter.

Speaker 1 (40:18):
How do you break that down? Just when you say
a third of the cost of owning a boat? So yep,
So what are you not having to pay.

Speaker 7 (40:24):
You don't pay for insurance, you don't pay for the boat, right,
you don't pay for maintenance, you don't pay for upkeep,
and you don't pay for the trailer, trailer storage or
boat slip. And if you want to own a boat,
that's awesome. I could tell you one. And I've got
a boat slip you can put it in. A boat

(40:46):
slip itself is on this lake comes out to really
close to three hundred dollars a month, regardless which.

Speaker 1 (40:53):
You have till you have when you reserved. I know
this because years back we had a boat slip yep.
And it's not all you say, yeah, I want May
through September.

Speaker 7 (41:02):
No, not on you gotta pay for the whole year
on Lake Murray. You pay for the whole year for
a boat slip pretty much in any marina that I
know of, only because there's not that many for a
sixty five thousand acre lake. There's very few marinas, so
that slip property is super valuable, and they got to
pay Dominion every year for the right to have the

(41:23):
slip there. They got to pay for the dock up keep,
they got to pay a lot of cost involved in
having the marina. So cost right now is about three
hundred bucks a slip for a normal pontoon. You're gonna
pay that year round. You might get a deal. I
think up at Fat Frogs Marina we rent slips for
twenty seven to fifty for the year. Over at Lake
Murray Resort we rent slips for three thousand dollars a year,

(41:45):
so it's it's right around that three hundred dollars a
month mark to be a member of a boat club,
at least to be a member of Carefree is three
hundred ninety five dollars a month. So at that point
you're paying ninety five bucks more than you would pay
for a slip, and you're getting access to right now,
twenty eight boats on the water, four wave runners on

(42:06):
the water. Our average boat MSRP is over eighty thousand bucks.
So they're nice boats with big engines on them. They're
completely cleaned, maintained, ready to go. You don't have to
pay insurance, you don't get hit with any extra fees.
We don't charge you for We don't charge you for
filling up the tank. We charge you for the gas
because that we don't control. You pay for the gas

(42:27):
you use with anyone. But we don't charge you to
fill it up. We don't charge you to clean it.
We don't charge you training fee, We don't charge you
any hidden fees at all. We make it super simple,
super easy.

Speaker 1 (42:40):
This is the price.

Speaker 7 (42:40):
That's the price, three hundred ninety five bucks a month,
and you go out and use the boats as often
as you want.

Speaker 1 (42:45):
Okay, So again, let's let's let's let's play those numbers
for a minute. So three ninety five a month.

Speaker 7 (42:53):
Correct.

Speaker 1 (42:54):
Oh, there's an initiation fee, but you've got great deals
on those fees, especially this time of the year.

Speaker 7 (42:58):
Our current initiation fee, which was on it, well it
ends Monday, is sixty percent.

Speaker 1 (43:03):
Off, sixty percent off. Okay.

Speaker 7 (43:04):
So, and I'll just tell you right out the bat,
it's two thousand bucks one time initiation feek, an annual fee.
It's not a we don't at least I don't believe
in hiding what the cost is. I'll put it right there.

Speaker 1 (43:13):
One time. Once you become a member of the club.
You don't you pay your initial initiation fee and that's it.

Speaker 7 (43:19):
Correct.

Speaker 1 (43:19):
Okay, so we're over that hurdle. And now so we're
talking about three ninety five a month to be part
of the club versus you know, say, just again, as
you mentioned, maybe three hundred a.

Speaker 7 (43:33):
Month just for a slip, just for a slip, which.

Speaker 1 (43:35):
Doesn't include the cost of buying the vote, correct, doesn't
include as you mentioned, the insurance.

Speaker 7 (43:39):
The taxes.

Speaker 1 (43:40):
You never owed a vote before. You might be surprised
at how much maintenance boat requires. Absolutely how much that
can cost you.

Speaker 7 (43:47):
Well, I'll break it out. If you get a brand
new boat, at ten hours, you need to do a
ten hour service, and at twenty hours.

Speaker 1 (43:54):
What I was doing wrong? I never got the ten
hour service.

Speaker 7 (43:55):
Yea, most people don't. At twenty hours, you need a
twenty hour service, and then you need one hundred dollars service.
So you've got three services the first year. Each one
of them will cost you about four to five hundred bucks. Yeah,
so that's fifteen hundred bucks out the door the first year,
not including the wonderful state of South Carolina that'll charge
you tax on your boat and on your motor.

Speaker 1 (44:16):
Yea, So exactly, you pay two taxes.

Speaker 7 (44:18):
Yep. If you were to buy one of our boats,
which is about an eighty thousand dollars boat, in addition
to the cost of the boat, you're going to pay
probably twenty five hundred dollars first year taxes, maybe thirty
five hundred I'm not a tax guy, but somewhere in there.

Speaker 1 (44:35):
And then that more than covers your initiation. Eyeah.

Speaker 7 (44:37):
The second year you're going to pay that again. The
third year you're going to pay that again.

Speaker 1 (44:40):
Man, guess what you haven't paid in year two, three
and four.

Speaker 7 (44:42):
And you've got to register the boat, which is I
think in South Carolina seven hundred bucks a year something
like that. That register the boat with DNR. You got
that cost to go on. So it just keeps adding up.
And I love boating, don't get me wrong. I am
a huge fan of being out on the water. I
moved here three years years ago because we fell in
love with Lake Murray. We were eating lunch of catfish

(45:04):
Johnny's and my wife said we should move somewhere like this,
and I said we should just move here, and that's
what we did.

Speaker 1 (45:11):
So so we've talked to the dollars and cents. But
we haven't talked about yet is the time value of money.

Speaker 7 (45:19):
On average, a boat owner spends one hundred hours a
year maintaining, trailering, pulling around cleaning their boat. That's not
a cost, that's one hundred hours a year they spend
doing boat related activity. If you've ever tried to put
a cover on a boat, that's going to take you
thirty minutes.

Speaker 1 (45:39):
Right there, oh man, and I have go around and around.

Speaker 7 (45:42):
It might take you an hour, depending on who's helping you.

Speaker 1 (45:44):
And not to and then when you got crawl under
there to put the little you know, poll up to
so your your your cover is not flat and collecting
rain water absolutely it is, you know August, and it's
like a two hundred degrees underneath that. Yeah, oh yeah,
I don't miss those days.

Speaker 7 (45:59):
And I won't say how many fights have happened because
of that between a husband and a wife, or a
or a dad and his son or daughter, right and
everything else, So we we save marriages, I like to say,
you know, and then just trailering it everything else. When
when your kids look at you and say, hey, dad,
let's go out on the lake. If you own a boat.

(46:19):
As the dad, you're sitting there going, that's going to
be thirty forty five minutes to an hour before we
get out on the lake. Because we got to make
sure the battery is charged. We got to make sure
it's got gas. We got to make sure it turns over.
We got to make sure the covers off, we got
to make sure it's cleaned. I got to carry the
tube down to the dock.

Speaker 1 (46:35):
I got that's if the boats slipped over, that's the boat.

Speaker 7 (46:37):
If it's not slipped, then you got to hook it
up to the trailer and do all those things. Anyways,
then you got to go fight with people at the ramp,
and you got to pay for the ramp. Use So again,
I've got a ramp at Lake Murray Resort. We're happy
to have you use it. It'll cost you every time
you do, because ramps aren't free. Because by the way,
Dominion charges us to have a ramp every year. And
we got to maintain it, and we got to put

(46:58):
it in and it was well you know that going
exactly exactly. So, yeah, it's it's a lot of work.

Speaker 1 (47:05):
This one hundred hours a year you're talking about. That
doesn't include the time actually on the lake enjoying the boat.

Speaker 7 (47:13):
No, that is that is outside of your enjoyment time.
If you're a member of a boat club, and I'll
market every boat club on the lake, if you're a
member of a boat club, not just care free the
world is. You pull your car up, you walk into
your boat, you leave and go boating. You don't do
any You shouldn't with any boat club do any of

(47:33):
that extra stuff.

Speaker 1 (47:34):
Right, And I'm gonna bet I know this from experience.
When we owned boats, there was no way we spend
one hundred hours a year on the water.

Speaker 7 (47:43):
No, because you find yourself not wanting to go because
it becomes a job. Because you've got a trailer and
you've got to clean it, you've got to take the
cover off, you've got to do a whole bunch of
bs before you get to boating. That in the back
of your mind, whether you're admitting it yourself or not,
you're convincing yourself not to go boating that day.

Speaker 1 (48:03):
Well, because that's a hass. I can tell you as
a former boat owner. And now I remember the Lake Murray,
the Caffrey Boat Club, a Lake Murray, it's it's it's
night and day, and because you have so many boats
to choose from, it's not unusual. And you can attest
to this, you know, for me to call you and say, hey, Matt,
you got anything available today? Yeah, come on out Gary,

(48:28):
I mean, And it's it's that simple. We hop in
the car, we ride out there, we jump on the boat,
we go. Yeah.

Speaker 7 (48:33):
We make ourselves very experts and it's no more than
a text we get. I get members daily that text
me saying, hey, is there a boat available today? And
my response is usually sure, what kind and what location?
Because I don't know if you want a bow rider.
I don't know if you want a double decker. I
don't know if you want to try tune. I don't
know if you want to go fishing. You can't buy

(48:54):
a boat that can do everything that all of our
boats can do. But you can join a boat club
and take advantage of all the different types of boats available,
right all get the boat that works for you that day.
You know, it's really a fairly unique and cool scenario,
and it costs less than owning, and it's a lot
less asshole than owning. It's it's a weird world where

(49:16):
I can literally look at my business and say it's
a benefit to everyone. What businesses can say that fast
food is a benefit that you don't have to cook,
but health wise it's horrible, you.

Speaker 1 (49:29):
Know what I mean.

Speaker 7 (49:30):
So at the end of the day, you look at
that and say, I'm still trying to figure out a
business that is truly nothing but a benefit. And this
is what this is. The Only thing a boat club
doesn't work for is if you don't like the boat.
And that's okay. If you don't like the boat, you're
not going to look at a boat club. You're not
gonna buy a boat, So it's all good.

Speaker 1 (49:48):
So but then there's all the other stuff that goes
wrong with being a member at your club that doesn't
have anything to do with getting in a boat getting
on the water.

Speaker 7 (49:57):
Yep, ye there's again. I like to joke a lot
and say I make bad choices that are super fun.
So I was luckily lucky enough to put together a
team that bought Lake Murray Resort. Everyone who joins care
Free Boat Club gets a free beach club membership, and
then that's just about social fun, access to the water,
hopefully an environment where you can get a table and

(50:18):
a chair when you want to have a good bite
to eat in the summer months, right, things like that.
So it's really we do member mingles where we get
the members together if they want to get together and
meet other members and make it social. There's a ton
of people that move down here that aren't from the area,
that don't have their high school friends down the block
from them, so they want to meet new people. We

(50:39):
like to make that happen if we can things like that.
It's because we're part of that group.

Speaker 1 (50:45):
And then, of course the restaurant on site at Salashow
is not south Shore but Lake Murray Resort.

Speaker 7 (50:50):
Lake mur Resort, Yep, they fantastic. The restaurant there now
is Buck's Pizza. They're doing a really good job. I
highly recommend their deep dish pizza. And I'm originally from Chicago.

Speaker 1 (51:01):
You're a deep dish guy.

Speaker 7 (51:02):
I'm a deep dish guy, and I'm like, I'll never
get deep dish down here. It's gonna be terrible. I'm
gonna hate the world. And I eat their deep dish pizza.

Speaker 1 (51:10):
More often than you should, three.

Speaker 7 (51:12):
Ish times a week, maybe because I'm there working and
it's just easier to call over and say, hey, David Robin,
can you cook me? They know exactly what I want,
they know exactly how to make it.

Speaker 1 (51:22):
And I guess is it possible that three ish could
wind up being more like maybe five or six?

Speaker 2 (51:27):
There?

Speaker 7 (51:28):
What lives?

Speaker 1 (51:29):
I could do that every day of the week. Yeah.

Speaker 7 (51:30):
What limits my intake of bucks pizza is the days
I don't go to the marina. So it's pretty much
it goes hand in hand. Don't tell my wife. It's
pretty much goes hand in hand with every day that
I'm there. I try to actually leave before lunch, so
I don't eat more pizza. It's not easy.

Speaker 1 (51:50):
And then you got on the other side of the lake. Ye,
for folks on the north side of the lake, you've
got you've got you had options for them too, Yep.

Speaker 7 (51:57):
Fat Frogs Marina, which is we've got boats in the water.
I think I've got seven boats over there right now.
Of the twenty eight in the fleet, I think seven
or nine are over there right now. And it's uh,
it's right on dre Island Road, so it's real close
to drere Island State Park. We will also this summer
be doing daily boat rentals out of there. We've put

(52:17):
a couple boats up there for daily boat rental, folks
that don't want to join a club, but you just
want to go out, you know, once or twice a year.
And then we have Doolittle's watering hole that'll be opening
up quite possibly by that start of summer, which is May.

Speaker 2 (52:31):
May.

Speaker 7 (52:32):
May seventh is the official start of the water all
my stuff is May eighth, so I think there's a
very good chance Tammy and her crew will be ready
to go. The only delays have been building related and
state related. They've been wanting to cook for months now,
so we're hoping they'll be. I'm very confident that we
will buy that May seventh day.

Speaker 1 (52:52):
All right, head Offolk's get a hold of you man,
get get signed up and take advantage of the sixty
percent off the initiar.

Speaker 7 (52:58):
Absolutely. They can give us a call at three three
four Boat four four, or they can email me at
Matt at carefreeboats dot com.

Speaker 1 (53:06):
All right, Matt, seeing late, buddy, Thank you, sir. The
lawyers and staff at the law office of James Snell
are there to help those with injuries and workers' compensation claims,
car accidents on the job and other accidents resulting in injuries.
They want to help everyone resolve their claim as quickly
as possible, but they'll never recommend you accept a settlement
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(53:29):
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be taken seriously. The Law Office of James Snell. I'm

(53:50):
Jim Snell. Contact me at Snell Law dot com. That's
three l's spell law dot com. The Law Office of
James Snell since two thousand and four with the office
is in Lexington and Columbia.