Health and Wellness Show 05-10-25

Episode Transcript

Speaker 1 (00:25):
Good morning, now time for the Health and Wellness Show
on one O three point five FM and five sixty AMWVOC. Hey,
it's always a pleasure to have you join us on
Saturday mornings, and hopefully you were here last hour for
the Home Improvement Show and are sticking around with us.
If you're just joining us, good morning and where you been.
We're here every morning with the Home Show at eight
and the Health of Wales Show now at nine o'clock.

(00:46):
And by the way, my name is Gary David. If
we're just meeting for the first time, it's nice to
make your acquaintance. Now coming up, we've got a lot
of terrific information to pass along to you this morning,
including we'll talk about health insurance coverage you needs once
and oh maybe some Medicare and some advantage and supplements
and this and that with Jeff Half from Health Markets.
Do you guys from Preservation Specialists will be here Matthew

(01:07):
Terry and John Farley joining us later on in the
program that'll be in the next half hour, but we're
on the way. First up this morning with Larry Harris,
the owner of Classic Systems here in Columbia. Arry, good
morning to you.

Speaker 2 (01:18):
Good morning. Gar's a blessing to be here.

Speaker 1 (01:20):
It's always great to have you in, my friend. We
want to start the show this morning with something a
little bit different and give you a taste of what
your business is all about and what it does for
folks by playing back a message you got for one
of your customers here just recently.

Speaker 3 (01:36):
Good morning, Larry, it's Tony. Trust you're doing well.

Speaker 4 (01:40):
We're doing fun your whole house if Purify is working
as well as as you can imagine, especially at this moment.

Speaker 3 (01:52):
And I noticed a huge difference in my wife. She's
not taking as many claretons or whatever she used to take.
You guys, yes, side quite a bit coming for a
walk and stuff. But she's noticed the difference. And she's
noticed a big difference with.

Speaker 5 (02:08):
Her pets elegies, because the pit used to take the
epicuil for rash, rashes and itches and the dog isn't
having much of a problem.

Speaker 3 (02:19):
But anyway, trust you having a good day and I'll
catch you letters, sir.

Speaker 1 (02:22):
Well, that's what it's all about, right there, isn't it.

Speaker 6 (02:24):
Absolutely and dogs too, huh yeah, yeah, worth well for
dogs and pets, pets of all sorts. Yeah, parakeets, parrots,
get rid of all that feathered down there.

Speaker 1 (02:39):
What's the backstory that that that messaged one of your clients?
What was his story wishes was he having?

Speaker 6 (02:44):
Well, that gentleman was from Australia. He heard me on
your show here on the radio, and so that's why
he called me. And I met him, uh somewhere, I
don't remember exactly where, and he bought the pure are
three thousand and four of the little Puer of fifties.

Speaker 2 (03:02):
So he just absolutely loves them.

Speaker 1 (03:04):
So you're you're known worldwide, mister Harris.

Speaker 2 (03:07):
Well, it's a blessing.

Speaker 6 (03:08):
Our mission is to help people with indoor air quality
problems and that's why we offer the natural solution to
endoor air pollution.

Speaker 1 (03:18):
Now only you've recalled because you work with so many folks.
But in that particular instance, it sounds like his wife
had been having some fairly serious issues.

Speaker 6 (03:26):
Absolutely, anybody taking medication, and I'll also take some allergy
medications because I've had allergies this year worse than I've
had it in several years.

Speaker 1 (03:36):
You would be both.

Speaker 6 (03:36):
Yeah, even though I've got an air pure fire in
my bedroom, one.

Speaker 2 (03:39):
In the den and one in the kitchen.

Speaker 1 (03:41):
So you never know where we're getting older man that
you're exactly right. It seems to be a law of nature.
The older, we get the bar efactors. I suppose.

Speaker 2 (03:49):
Amen.

Speaker 6 (03:50):
Yeah, but it's so nice to have people that we
can help. We had a client that purchased some pure
of fifties, which you're familiar with that, and the client
told us that the odor was a little strong.

Speaker 2 (04:03):
So I simply told.

Speaker 1 (04:04):
You that was the ozone on yeah, out of.

Speaker 6 (04:07):
The coming out of the Pierre fifty. So I simply
shared with the client to turn it down and it
was fine. So, as we both know, too high of
a of an output of ozone can affect people's sense
of smell.

Speaker 1 (04:20):
Oh you can smell it. Yeah, we actually used it
one time. This was years back when one of our pets,
I don't recall which one, and I don't want to,
you know, just a sign blame to any one of them,
but one of them had an accident on an airy
rug and I remember you and I remember we'll talk
about this in a second, the demonstration, you do, but

(04:41):
I remember what you'd said about that, and I took
that area rug. It was right on the edge of it.
And lifted it up and slid that system underneath there
and put it on full blast O zone mean not
stun but kill, you know, I mean just full blast.
And you're right, it's it's it's difficult to stay in
a room with that that much O zone. You do,

(05:02):
you do smell that? And and also I left the
house for a little while and came back and uh,
turn it off and and dog on if if the
if the odor had already cleaned the area, of course,
but if the but even you do that, it's just
that odor is still there, man. But but yeah it was,
it was gone.

Speaker 2 (05:19):
Yeah, absolutely.

Speaker 6 (05:20):
And see we've actually had dog pounds across the state
that have bought these to go in where cats and
dogs are and it eliminates the odor because dogs and
cats have accidents in their cages. Sure, and so if
you can get rid of that odor, that's tremendous benefits.

Speaker 1 (05:37):
So odor is one thing, but again, the way that
that that foul air inside your home or your office,
your business, retail establishment, whatever, uh, the way it affects
you is really the focus of what it is you
do with that.

Speaker 6 (05:54):
Absolutely, we had a client near Balentine that had a
basement that was concrete block and he had visible mole
on the concrete blot. We put an air pure fire
in there, one of the larger air purefowers, set it
on the ladder and rented overnight within ten feet of
that concrete block wall. The next day the mole was gone,

(06:17):
completely gone. How do those zone oxidize this matter?

Speaker 1 (06:23):
What does that mean?

Speaker 6 (06:25):
Well, the oxidation process is it actually converts dust or
mole into H two O or carbon dioxide. That's what
God does in the sunlight. The sunlight actually oxidizes smoke
or fire smoke or anything to change it to either

(06:46):
H two O or carbon dioxide.

Speaker 1 (06:49):
So water or carbon dioxide.

Speaker 2 (06:50):
Yeah, that's what is going to convert it to.

Speaker 1 (06:53):
So that's what the that's what the ozone does, yes,
in the systems, and is the second part to it
after that, right.

Speaker 6 (07:02):
Right, Well, it when you oxidize things, you get rid
of it. And see that's just like a fire when
you see a house fire or a forest fire. See
that smoke a longly goes so high in the atmosphere
and then the ozone from the sunlight oxidizes.

Speaker 1 (07:18):
And gets rid of it.

Speaker 6 (07:19):
Okay, so we're duplicating nature and The key to that
is to adjust the setting, and I always recommend people
start with a low setting and then elevated a little
bit according to their sense of smell.

Speaker 1 (07:33):
Work it up. Yeah, that's for the example you use.
That was for mold, actual mold on a wall. The
irritants that are just floating around of the air. This
is what kind of the two part system, what your
system does comes out.

Speaker 6 (07:44):
Absolutely, it's going to get see the negative and positive
ionization will get solid particles. Anything heavier than three microns
will settle out of the air. But eighty percent of
what you're looking at is dead skin and it's smaller
than three microns, so it's non settling. And I can
remember looking at that when I was nine or ten

(08:05):
years old and tried to grab that dust and you
can't do it. It just goes right through your fingers.

Speaker 1 (08:09):
It don't work.

Speaker 6 (08:10):
So the other thing that's so critically important that people
don't realize. Gary, if you've got pets in your home
and you're using training pads and that liquid from a
dog or a cat gets into the floor, it can
stain and change the color of the floor. But the

(08:30):
bad thing is it creates bacteria and if you allow
pets to continually get liquids on a floor and in carpets,
even if you dry it out, you still got some bacteria.
Because if you google pet water evacuation, that has bacteria
and it's very acidic. So it's not healthy to allow

(08:54):
pets to continue have accidents in your home.

Speaker 1 (08:59):
How that makes sense that part of it. Yeah, I
thought about all the other parts of it, but not
that part of it. Okay, didn't didn't realize that.

Speaker 6 (09:05):
And see the other thing about dog downder and cat dander.
Dog dander is actually dead skin and some hair, but
cat dander is is salava because cats continually lick their
fur and the salava dries and that salava has a
protein in it and it becomes airborne, and people that
are allergic to catdander can actually go into a respiratory risks.

(09:27):
So regardless whether there's dog down the or cat downder
is still airborne pollutants.

Speaker 1 (09:32):
Yeah, you don't hear too much about people being allergic
to dog, but you're about the cat, and that's it's
very much a difference. Interesting. So the the first time
you showed me this, I was blown away by it.
When you go out uh and and make it demonstrate.
Somebody calls and has an interest in this system, they

(09:54):
wann't know how it works. The number one you are
are are more than happy to take a system out.
Unlets somebody use it for a couple of.

Speaker 2 (10:02):
Days, RW three days. We let anybody try it.

Speaker 1 (10:05):
Okay, good, And when you show up though there's a
there's a neat little demonstration you do.

Speaker 6 (10:14):
Yeah, that's what the ammonia test we do. We put
ammonia on two opposite corners of a handkerchief, put one
corner in front of the machine, the other corner on
top of the machine, and in less than sixty seconds,
the ammonia odor is totally gone. Then we've got an
acrylic box that we put a drop of mineral oil
in and it fills it up with smoke. We cut

(10:34):
the ionization on and in a matter of forty five
seconds the smoke is gone because we're putting negative and
positive charges in it. So it's visible proof that the
AIRPUI of fiwer does work by creating negative and positive
ions and also ozone to oxidize odors.

Speaker 1 (10:51):
Larry Harris Classic Systems was with us here on the
Health and Wellness Show this morning. Now you can go
to a big box store and see things that are
labeled as air purifiers. But you've told us in the past,
and I don't know how they get away with this,
but they're really not air purifiers but air filters. What's
the correct what's the difference between two.

Speaker 6 (11:11):
We had a client call us and ask us about
that and actually shared with us a particular filter that
was called an air purifier. But see, people don't realize
that a filter's got to suck the air to it,
and it's got a Helpa filter which is a high
particle trapper to trap particles, but it does not have

(11:34):
the power to draw air to it. It'll only get
about three feet circumference of that filter to draw air.
It doesn't have the power to get the air out
of a corner of a room or five or six
seven feet away, so it's drawing that air to the filter.

Speaker 2 (11:52):
Our air pure does not have a filter.

Speaker 6 (11:55):
It actually sends out the ionization sixty feet in any
direction through walls like a radio signal. Yeah, like a
radio signal. It goes through every wall and get the
dust out of the air in your closet, under your bed,
under your sof aware of the particles. Then it oxidizes
eighty percent of that dust. So you're removing dust particles
off your tables and floor. So you're certainly healthier by

(12:19):
not having all that stuff in the air that you breathe.

Speaker 1 (12:22):
So the ionization clumps it together, it falls to the floor,
and then the oxidation then makes it water vapors.

Speaker 2 (12:32):
Yeah, it gets right.

Speaker 6 (12:33):
And see if if you convert dust to H two
O two and that joins with O two, it becomes
H two O two which is hydrogen peroxide, and hydrogen
peroxide certainly benefits everybody because it's going to sterilize surfaces.

Speaker 1 (12:48):
So it's a win win. Yeah. Absolutely, So once again,
don't be fooled that you see something that's labeled in air.
How do you know if you saw a box and
it said air purifier on it? I mean, is there
before you plump down your money to buy it? Plump
down you're maady to buy that? Is there a way
to know is this really an air purifier? Is it

(13:10):
just an air filter?

Speaker 6 (13:11):
The way you can verify that, Geary is to see
if it has a filter. If it's got a filter,
it is not an air purifier. It is a trap
particle filter, and you've got to get the air to
the filter to stop it from floating in the air.
And it's just not It doesn't have the power to
draw the air to that filter more than three feet

(13:34):
in circumference of that filter.

Speaker 1 (13:36):
So short of you actually walking around wearing an air
filter right everywhere you go, this is not really doing
a whole lot unless you want to stay with that
three foots or comforts over that area. Exactly right. Huh interesting,
correct me if I'm wrong. I mean, years ago, wasn't
there a like a wearable little Yeah, we still have that.

Speaker 6 (13:57):
We've got a little lanyard that goes with an airpurefire
that you can wear under your chin and it hangs
about the center upper chest. But it actually creates negative
positivitization to make a force feel around your eyes, your nose,
and your mouth so that no particles can get it.

Speaker 2 (14:16):
And it's very effective.

Speaker 1 (14:18):
That would have been handy to have during the pandemic.

Speaker 6 (14:19):
Oh, absolutely absolutely. We actually had a military facility that
hurt us on your broadcast back in twoenty twenty during
COVID and this office a high rank and officer. I
had a sergeant call me. I looked at five buildings,
and that was the largest order I had ever received.

(14:43):
They bought one hundred and seventy five of the Pure
Air fifties, they bought forty eight of the Pure Air fifteens,
and they bought twelve of the pure Are three thousand.
So that was such a blessing. And this colonel actually
had a Pure fifteen hundred in his office and something

(15:03):
happened to it. I don't know if lighting didn't got it,
but I sent it back to the factory. They repaired
it and didn't cost HUM a dime.

Speaker 1 (15:10):
And I do remember during those days because like everything else,
during during the COVID pandemic, it got hard to get
stuff sometimes. Yeah, yeah, and there was quite the run
on the sort of systems you sell, I know, back
for for obvious reasons. But you know, if it works
for that, imagine how well it will do for everything else.

Speaker 6 (15:30):
We've actually got a document on the Pure three thousand,
which has the ionization, the UV light and the ozone
that it reduced czars II by ninety eight point nine
percent in ten minutes less than ten minutes. Wow, We've
got a document verifying that. So it's very effective. To

(15:52):
get particles out of the air and oxidize it so
you don't have that junk floating around.

Speaker 2 (15:57):
And if you can get it out of the air,
you're not breathing it.

Speaker 6 (16:00):
See, people don't realize that when somebody sneezes, the volume
of that sneeze is over sixty miles an hour, and
all those particles become airborne because they're less than three microns.
And if you walk through it and somebody's got walking pneumonia,
you're gonna get walking pneumonia, or you can get RSV

(16:20):
or any other airborne illness.

Speaker 1 (16:22):
Makes you want to encapulate yourself in a big old
bubble or something. All right, So there are various sizes
for various needs.

Speaker 6 (16:29):
We have a Pure are fifty that does three hundred
and twenty five square feet. There's only fifty dollars. The
Pure fifteen hundred is three ninety nine. The Pure three
thousand does three thousand square feet is six ninety nine.
And we have the availability to allow anyone to try
this machine free for three days under no obligation. If
they like it, they can buy it. If they don't

(16:50):
like it, it costs them nothing. We had one one
client that got four of the pure Air fifties and
the client loved it, but they they didn't realize that
a pure Air fifty did three hundred and twenty five
square feet, so they didn't need four of them. And
I gave the client a refund on two of them

(17:11):
because it did more than they anticipated.

Speaker 1 (17:13):
All right, all right, So how do folks say, get
ahold of you to get to try it out or
go ahead and buy it right now? Absolutely?

Speaker 6 (17:20):
The phone number is eight three six two six two
seven four eight eight oh three six two six two
seven four eight Larry Harris. The Natural Solution to Indoor
Air pollution website is try fresh AirNow dot com.

Speaker 2 (17:36):
Thanks Larry, Thank you, Gary.

Speaker 1 (17:38):
Have a blessed day you as well. It's the Health
and Wellness Show on what three point five FM and
five sixty am WVOC. We'll be right back. Hi, this
is John Farley. Now let me ask you.

Speaker 7 (17:49):
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(18:25):
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Speaker 8 (18:44):
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and Lexington, finding that perfect plan is easier than ever,
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Speaker 1 (18:58):
And who couldn't use that nowadays? Jeff Howell in Health.

Speaker 8 (19:02):
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(19:24):
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Speaker 1 (19:58):
Hey, welcome back to the Health and Wellness Show on
one of three point five FM and five sixty amwvoc
as we welcome in Jeff Howell, the owner of Health
Markets over and Lexington, who joins us again this morning. Jeff,
good morning do you sir?

Speaker 9 (20:10):
Good morning Gary Medicare in.

Speaker 1 (20:13):
Twenty twenty five. Okay, Well, we have a lot of uncertainty,
needless to say, a lot of volatility and a lot
of things right now. There's a lot going on, lots
of balls up in the air, and again with the
Doge efforts and all going on, there's been a lot
of talk about how might this or will this impact
things like Medicare and other benefits? So I thought we

(20:34):
maybe take a few minutes to take a look at
that this morning. What are you saying? And by the way,
we should remind people to Jeff that you spend a
fair amount of time in DC as a lobbyist for
a health insurance agencies and for folks on health insurance
like Medicare.

Speaker 9 (20:50):
Right azation called the National Association of Benefit Insurance Professionals,
and we go to DC every year in person and
talk to our South Carolina senators and congressman about how
we can keep prescription drug costs down for the seniors,

(21:12):
how we can keep health insurance prices load for small
business owners, very important topics for for me, I'm very
passionate about all of those things. And then throughout the
year I keep up on a weekly basis on what's
going on in d C and what's going on in
Columbia and the state House issues affecting you know, health

(21:34):
insurance and Medicare.

Speaker 1 (21:36):
Now, I'm just going to guess that in all the
years of doing this, there's probably not been as great
an amount of uncertainty as we as we have right now.

Speaker 9 (21:45):
Wour store when I was. I was in d C
in February, and of all my trips I've ever been
to d C, I would there's never been one where
I felt like d C was more unstable and more used.
Us did not know really, you know, the Congressman and
the staff of the Congressman and the senators who we
met with couldn't really give us any headway or any predictions.

(22:07):
Is you know, everything is day to day there right now.

Speaker 1 (22:11):
Yeah, yeah, it is that. Well, let's let's start here
that I guess, Jeff, as we rolled into twenty twenty five,
coming out of last year, were there big changes for
Medicare for the for the new year for twenty twenty five.

Speaker 9 (22:26):
Something that happened recently is that the Medicare advantage. Of course,
doctor Oz was just confirmed as head of CMS, and
one of the first things he did was he gave
a huge raise to Medicare advantage plans. Normally, you know,
every year, the federal government will give Medicare advantage plans

(22:47):
essentially a cost of living or a inflation type raise,
you know, two percent, to where they give them money,
you know, of course, to divvy out benefits to there
to of course, to the policy holders, right, and then
whatever whatever they don't spend on policy holders they get
to keep for themselves as profit. Right. Well, this this

(23:10):
year they did not get their rigor two percent, They
got over five percent. Okay, So that sends a clear message.
And we knew that's going into it, you know, you know,
during the election process. Of course, after you know Trump
with elected president. Everything we had heard is that medicare
advantage is going to be a key priority for this administration.

(23:33):
And doctor Oz has certainly been on record that he
is very much for medicare advantage. So Medicare advantage is
going to be strengthened under this administration, and certainly was
you know, just follow the money, right, and so with
all the cuts that are going on, if you get
a you know, over double increase what you normally get,

(23:55):
the administration is telling you all you need to know
about how they feel about medical advantage. Definitely very pro
Medicare advantage.

Speaker 1 (24:02):
And this should be comes a surprise. I guess Trump
is in favor of privatizing a lot of things, and
this basically I guess obviously the aim is is to
make it so much more advantageous for seniors to take
care of the advantage plans, to take advantage of the
advantage plans, that they move away from the more traditional
stuff and that maybe eventually goes away.

Speaker 9 (24:23):
That's exactly right. So I think that, you know, every
person that signs up for a Medicare advantage plan is
coming off the Medicare books, right, And so essentially, when
a person signs up for a Blue Cross Blue Shield
of South Carolina Medicare advantage plan, there's you know, the
government saying blue Cross you know John Doees who just
turned sixty five, and it says a Blue Cross Medicare

(24:45):
advantage plan, he is your responsibility. So the risk is
now all yours. And so I think that's, like you say,
that's very consistent with everything else that's going on. You know,
the federal government's telling a love please, you know, take
this early retirement check and go on, go on your
way what you want to do, right, right, So very consistent.

Speaker 1 (25:08):
Now parts in part B though at least this is
not affected by all this, right, or how does that work?
I mean, if you sign up for an advantage plan,
does does that that then that Blue Cross Blue Shield
type provider cover A and B as well? Or how
does that shake out.

Speaker 9 (25:24):
No, that's a great question. So everyone has to go
get A and B first. So first you've got to
get square with the government and get your A and
B set up when you turn sixty five. And so
you know right now that for most Americans at the one
hundred and eighty five dollars a month, A is three
and B is one hundred and eighty five dollars a month.

(25:45):
Once you get your A and B set up and
you choose a Medicare advantage plan, a person will continue
to pay that one eighty five to Medicare. You cann't
get out of that, right However, most Medicare advantage plan
says zero premiums. So whereas while and this is where
it could be confusing to a lot of people, while
you're still paying Medicare, Medicare no longer is administering your Medicare.

(26:06):
The Medicare advantage plan is that last example, blue Cross
is the one that all doctors' offices, pharmacies, dental visions,
all the bills get set to blue Cross are processed
by blue Cross. Medicare is out of the picture altogether.

Speaker 1 (26:24):
Well, that sounds like an advantage to begin with, right there. Jeff,
because the less you can have to deal with the
government or anything to better I say, right, right, So
is now I'll say in this case an example of
using blue Cross as an example here, Now, is the
government fording your eighty five year paying them to blue
Cross to handle all that or is that still.

Speaker 9 (26:48):
Behind the scenes essentially once once that person, let's say
that John Doe turned sixty five, he chooses blue Cross
Medicare advantage. Behind the scenes, Medicare sends blue Cross money.
Of course, you know I talked to earlier how they're
getting a pay raise five percent more. But they send
blue Cross money and then blue Cross takes that money
and they use it to pay all of John Doe's

(27:12):
medical claims and the dental bills and his vision, his eyeglasses,
things of that nature. And of course blue Cross or
any insurance companies hosting that, there'll be something left over
for them once all these claims are paid for all
their clients. So that's essentially the business the medicare advantage.

Speaker 1 (27:29):
Well, it must be working because all these companies are
still doing it, right, I mean, you got to have
them to make this work. So yeah, and.

Speaker 9 (27:36):
If you call the stock market at all all the
stocks you know, I had Healthcare Human and that signal,
they all got way up after that announcement came up
with that pay raise. So absolutely right.

Speaker 1 (27:48):
Absolutely, Okay, So that's been the big change so far
for twenty twenty five and one. I guess again no
big surprise with this. An administration favoriting privatization of a
lot of things, and this is cariinly the best way
to make this happen when it comes to to Medicare coverage.
But what else? Get out your crystal ball here for us,
mister Howell. I mean, what other changes do you think

(28:09):
we may be seeing in twenty twenty five, this year
and beyond.

Speaker 9 (28:14):
That's the more difficult question is. But I do think
in general the trend is towards Medicare advantage in the
Medicare space. But I do not think Medicare supplements will
necessarily go anywhere. I think it will always be out
there as an option. We could see maybe the Medicare
supplement price is going up and so that will give

(28:36):
more of incentive for people to go to Medicare advantage.
I mean, obviously, you know a Medicare supplement is tried
and true. You know a person is on Medicare. Medicare
is primary, it pays eighty percent. They purchased a Medicare supplement.
It pays the other twenty percent minus a deductible, a
one time deductible. This year that deductle was only two

(28:57):
hundred and fifty seven dollars on Part B. So it's
not much risk, right, your whole calendar year, your whole
risk is only two hundred fifty seven dollars.

Speaker 1 (29:04):
That's bad.

Speaker 9 (29:05):
It's a pretty solid plan. And your network is Medicare.
You know, any doctor hospital takes Medicare in the country,
that's your network. So Medicare supplements. I don't think we'll
go anywhere, but we may see some price increases, not
only at the beginning and when a person's turning sixty five,
but also every year a person gets older, of Medicare

(29:26):
supplement goes up in price. Normally we see that at
four or six percent. We could see those percentages maybe
go up to eight to ten or twelve to fifteen
percent every year to where a person could unfortunately be
priced out of a Medicare supplement down the road. That's
a unfortunate I mean they would switch to Medicare advantage,
that's not necessarily a bad thing. But if that person

(29:48):
likes their Medicare supplement and that's what they prefer to have,
but it becomes cost prohibitive and they have to go
to Medicare advantage, then you know they would certainly have
to make that adjustment.

Speaker 1 (30:00):
Right, And again a lot of people ask the question,
we'll dog on if you know this, you know advantage
plan is going to give me all this free stuff
and I don't have to pay out a pocket for it.
Why would I not do that?

Speaker 4 (30:13):
Right?

Speaker 9 (30:14):
I mean, there are certainly a lot of good things
about Medicare advantage plans, but there's also some disadvantages. I mean,
we saw in late December how at nae lectiona medical
center got into a fight after the annual and roma
and certainly everyone who had ATNA CARB certainly became worried
that they couldn't go to the Electa medical center doctors

(30:34):
or hospitals or you know, you know in twenty twenty
five and so a lot of people had to make
a change from over to a Blue Cross or United
Healthcare or whoever you know, someone the elects of Medical
Center was in network with those are problems you don't
have with the Medicare supplement because Medicare is primary. So

(30:55):
Medicare advantage just come with a lot of great perks. However,
sometimes you have these network issues that could be frustrating.

Speaker 1 (31:01):
Yeah, so can we construct here in the last four
or five minutes we have left here the perfect candidate
for either of these plans. Who is the perfect candidate
to stick with the traditional Medicare and Medicare supplement plan?

Speaker 9 (31:15):
Jeff, that's a great question. Yeah, everything different, and so
they're really it's hard to really fit, you know, one
person qualification into one or one or the other. For example,
you would say, okay, someone who has a lot of money,
they might want to go Medicare sophone because they can
afford the premiums. But however, you can look at you

(31:38):
can flip that, look at it the other way. Someone
who has a lot of money in the bank, they
can afford the nine thousand out of pocket of you're
a Medicare advantage, so they'll instead go with the zero premium.
So and you flip it the other way, Well, maybe
someone who does is very limited an income, maybe they
should go Medicare advantage to zero premium However, someone limited income,

(32:00):
they not have that nine thousand dollars out of pocket
in the banks get hit with and they would prefer
the Medicare supplement. So income was I see it both ways. Now,
if you talk health wise, someone who maybe is undergoing
chemotherapy or kidney dialysis, I think certainly someone like that
they can afford a Medicare supplement, they should go with

(32:20):
the Medicare supplement. So I think that that's right. The
easiest way to answer that question is the Medicare supplement
is probably best for someone in that circumstance if they
can afford it.

Speaker 1 (32:31):
And that's because your your deductibles are capped two undred
and fifty seven bucks a.

Speaker 9 (32:35):
Year, right, no therapy, and you know that you're in
fifty seven dollars is your worst case scenario for the year,
then it makes financial sense to certainly go with the
Medicare supplement. Round, you would say someone in perfect health,
Medicare advantage makes perfect sense. However, as we all know,
perfect health is good today, gone tomorrow. It's just hard

(33:00):
hard to count on. And so, but you know, Medicare
advantage has a max amount of pocket like any health
plan anyone's ever been on with their company, or whether
it's through the marketplace on the individual plan, and so
whether that's six thousand and eight thousand and nine thousand, whatever,
the max amount of pocket is on these various plans.

(33:21):
That is your worst case scenario. And the statistics show
that less the one percent of people hit their max
amount of pocket on a Medicare advantage plan.

Speaker 1 (33:29):
Jeff hel Health Markets over in election. How to folks
reach you into and get your free help. By the way,
it's free, right right, My.

Speaker 9 (33:35):
Services are free. I sit down and look at your doctors,
look at your prescriptions and make sure you're in the
right plan for you at the right price. My office
is right outside the flight Deck restaurant in Lexington. My
phone number text orre call is eight zero three six
seven eight eight one two one. There's eight oh three
six seven eight eighty one twenty one.

Speaker 1 (33:55):
All right, Jeff, always great information. Appreciate it so much.
Have yourself a good weekend, my friend.

Speaker 9 (34:00):
You Gary, Thank you.

Speaker 8 (34:02):
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and with Jeff Howell and the team at Health Markets
in Lexington, finding that perfect plan is easier than ever,
Whether health or Medicare insurance. Let the experts guide you
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(34:22):
compare the plans and prices, and find you the insurance
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(34:45):
Howell in Health Markets at eight o three six seven
eight eight one two one, or visit Jeffhowell dot com.
That's eight oh three six seven eight eight one two
one or Jeff Howle dot com and let the I
find the right insurance for you.

Speaker 6 (35:03):
Good morning, This is Larry Harris with Classic Systems. I'm
a certified mold inspector. We can help you test the
air in your home ten minutes per sample, one sample inside,
one sample outside. If we do it in the morning,
we'll have the lab report that afternoon and then we
can discuss with you what protocols you need to take

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to clean the air in your home, particularly if you
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(35:45):
have any airborne issues in your home. This is Larry
Harris with Classic Systems eight three six two six two
seven four eight eight three six two six two seven
four eight.

Speaker 1 (36:10):
We're back on the Health and wealtha show on one
O three point five FM and five sixty A m
w VOC and around the world on the iHeart Radio app.
John Farley, Matthew Terry now in special UH specialist for
Preserving your Wealth Preservation Specialist the name of the outfit.
Good Morning, guys, Winn of Gary Good Morning. I just

(36:33):
thought about this when I mentioned on the the global
audience of the we have people listening all over the
world to the app. It's really cool. Wow, yeah, you know,
I mean I get the emails from or from folks
from time to time they're listening and wherever, like, wow,
that's cool. That is wow.

Speaker 7 (36:49):
Really it's international.

Speaker 1 (36:50):
That's awesome. Technology is crazy. Yeah, yeah, it really is.
Do you have your your client base you you don't
have to live here to be one of your clients, right.

Speaker 7 (37:01):
No, no, no, we have we have them. I don't
know if we have any international clients, but we have.

Speaker 1 (37:06):
We have many of them around the States.

Speaker 10 (37:08):
Yeah, yeah, yeah, domestically only, but yeah, across many states,
mainly I'm going to say here in the southeast. But
you know, some some families we've worked with and they've
then relocated as part of the retirement plan. Sure, and
we've continued to help and serve them throughout the retirement.

Speaker 1 (37:24):
You got some folks been with you. Pat Strupy started
this company, what's about two decades ago? Yeah, yeah, yeah,
I like that. Yeah, he started and he's been on
this radio station for a long time.

Speaker 7 (37:33):
Yeah, started in two thousand and four. It's funny you
said that. He We have this little thing called the
Flat Pat. So you take the picture of Pat wherever
you're going. So even though people don't necessarily live, but
we have pictures of the Flat Pat, like by the
by the Pyramids and you know, all over the place.
You know, mont Blanc in Alaska and the Hawaii and Australia.

Speaker 10 (37:57):
Yeah, Patay, Yeah, yeah, a lot of places.

Speaker 1 (38:01):
He's been everywhere, man, yeah everywhere. Yeah, great guy. I
love Pat you and I go back a long, long way. Now.
So he starts this business and he has a unique
approach to it. He has a goal and that is
well right there in the name preserve. And he's written

(38:25):
books about this. Yeah, speaking of it.

Speaker 7 (38:28):
You may know this. His first book in twenty twenty
two was picked up by Forbes as a top five
personal finance book to read, and in twenty twenty three,
MSNBC CNN picked it up as a top fifteen all
time personal finance book. Yes, so it's right there next
to rich dad, poor dad, millionaire, next door, some of

(38:48):
the ones you probably know. And it's it's you know,
Pats Truey from little old Columbia, South Carolina.

Speaker 9 (38:54):
You know.

Speaker 7 (38:55):
But it's and the book is and by the way,
if you ever want it eight oh three nine retire
where happy to provide it for you for free, no problem.
It's not a hard read, uh and and it but
it's intended to be accessible to everybody and it covers
the basics of what you need to think about in
retirement and it gives you some real insight into why

(39:17):
we do what we do, you know. And then he
has a second book that goes onto that, which goes
into a little more detail on the same thing. But yeah,
so this is you know, this is not when you
talk about Pat. This is not a guy who hangs
out a shingle so he can you know, buy a
new car per se. I mean, this is this is
part of his DNA. I mean, you know, you're not

(39:38):
writing books about stuff unless it's really part of who
you are. So yeah, so yeah, and and by the way,
Matthew and I came along we are now we are
now partners as well in this. But you know, we
owe a lot to Pat. Pat is really the you know,
the the initial driving force and all of that.

Speaker 1 (39:55):
Yeah, you know, And Matthew John mentioned something about it's
it's an easy reads hard. That's part of the problem
with all this, isn't it That it's hard.

Speaker 10 (40:03):
Man, hard to digest it.

Speaker 1 (40:04):
You're like, yeah, I don't understand all this and all that.
You sit down and you talk to say a broker
or whatever, and they're just spewing out words and I
know that that means I don't want to. I don't
like how I'm stupid, but I'm let it go, you know,
because they know what they're talking about. Right, But I mean,
trying to build that nest egg and then once you've
built it, trying to preserve it is not easy to do.

Speaker 10 (40:24):
It is not No, you're you're exactly right. And you know,
one of the biggest things about our job is is
to take very complicated matters and and do our best
to communicate those in a very simple way. It's kind
of like when you go to the doctor, right, like,
I don't want to hear the I don't want to
hear the medical lingo.

Speaker 1 (40:39):
Just give it to me straight right down. You got
a bad knee, you need you.

Speaker 10 (40:43):
Need to do some therapy. Okay, I got it. I
can understand that piece. I don't need to hear all
the medical terms. But but no, you know when when
clients come into us and they sit down and they say, hey,
you know, Gary, this is what's on my mind.

Speaker 8 (40:54):
I'm currently uh you know you can't break that microphone
or sorry about that.

Speaker 10 (41:00):
But yeah, they come in and they say, hey, Gary,
I'm I'm really worried about Uh. Some of the volatility
we seen in the market, or maybe hey Gary, I'm
I'm paying too much in taxes. Can we just look
at my portfolio right now? And can you look at
my my overall tax return. Can you see if there's
anything we can do to kind of plan and maybe
save a little bit more money. You know, we all

(41:21):
want to know what we're missing out on, right and
and and and the reality is everyone that comes through
our door, their situation is a little bit different.

Speaker 4 (41:28):
You know.

Speaker 10 (41:28):
It's it's not a one size fits all. That's certainly
not our approach. Everything we do is custom built and
custom tailor to each specific family because, like I said,
we all have different circumstances.

Speaker 1 (41:41):
I'm glad you brought that up, because, let's say you
go to a brokerage house. Maybe it's not one size
fits all, but it seems like the only differentiation sometimes
is Okay, how old are you? What's your timeline here?

Speaker 10 (41:52):
You're you're exactly right. You know, it's going to be
based off of a questionnaire that you filled out, and
just like you said, depending upon how old you are,
depending upon how much maybe money or wealth that you
have in your nest egg that you've accumulated and hey,
what is your risk tolerance? Right, they may not really
say what is risk tolerance, but you're going to say
are you conservative? Are you moderate conservative? Are you moderate?

(42:13):
Orre you moderate? Aggressive? Are you aggressive? Based off of
those five different choices, that's going to dictate, Hey, do
you fall in bucket one, bucket two, bucket three, bucket four,
bucket five? There's no buckets at preservation specialists. Like I said,
everything is custom built and custom tailored to your specific needs.

Speaker 7 (42:28):
Yeah, and you get into a situation here which is
like sometimes it's a little surprising when when sometimes people
come in like I'll give you one example, and I
don't want to get down too far into the weeds.
But this couple came in the other day. They had,
you know, several hundred thousand in a brokerage account and
they had that money invested in mutual funds. Mutual funds

(42:52):
create taxable events every year, whether you sell the stock
or not, whether you sell the mutual fund or not,
because what happens is inside of a mutual fund, that
mutual fund manager is buying and selling it. That creates
that creates taxable events. So think about this. You have
money that's in a non retirement account. It's growing, but

(43:13):
whether that money goes up or down, you have a
yearly tax bill, which is kuckoness. Because there are other
ways to do that where you where you only pay
the tax when you actually sell what you've bought, right,
But so you can be in other types of investments
outside of mutual funds. But this came from like you said,
a Brokens, it was kind of main and I was like,
oh my goodness. So I pointed out to them that,

(43:35):
by the way, you know, in twenty twenty two, the
value of this investment dropped by about twenty percent, and
look at the tax you also had to pay that year.

Speaker 1 (43:43):
Because losing money.

Speaker 7 (43:44):
Yes, yeah, yeah, so there are there are and that's
just that's just not smart. Right, So just just looking
at it from a bigger picture point of view and
getting your stuff into the proper basic investments can save
you tens of thousands in taxes over a ten year
period or more. Right, So these are just and again
but like you say that that happens a lot, or

(44:07):
like I say that happens a lot, I see it
a lot.

Speaker 1 (44:09):
Yeah. Yeah, So let's just ask a simple question here,
what exactly is it you guys do.

Speaker 7 (44:16):
In a nutshell, What we try to do is we
try to give people peace of mind, and we work
in five areas to accomplish that. So most of the
folks we work with they are soon to be or
in retirement, and the name of our firm is Preservation Specialists,
And as we've said, that's intentional. Now, we definitely have
some investments that we can give you that are going

(44:38):
to give you real good growth, but for anything that
you need to live on, we're going to make sure
that your nest egg is secure so that when you're
out on the golf course or out visiting grandkids or whatever,
the market does this or that or goes whatever, it
does not matter to you because you have a proper
plan in place for your income that's going to carry
you forever. One Two, we work in insurance if you

(45:03):
need it, not everybody needs it, but we do want
to make sure we have a plan, especially for something
like long term care, because in the United States we
are responsible for our own long term care. Should we
need to go to a facility or we need help,
we want to have a plan for that. Now that
may or may not include insurance, but at least, we
want to set up a plan to say, Okay, we've
got this much money in a set aside or in

(45:24):
some sort of investment that's going to help you.

Speaker 6 (45:26):
There.

Speaker 7 (45:26):
Third thing we do is we do a state. We
want to make sure that your state is buttoned up.
We want to make sure that your wishes are preserved
now and into the future. And I will tell you
when people pass, certain things happen that when money gets involved,
things can get weird. We want to make sure that
you pay the proper tax, but we don't want to

(45:47):
leave uncle Samma tip. So we want to make sure
that your tax situation is appropriate not only for this year,
but for the next thirty. And finally, we do investments.
And our investments are not exclusively stocks and bonds. They
are all over the place intentionally because different investments have
different benefits to them for you, for your long term things.

(46:08):
So when people talk about I have a diversified portfolio,
frequently they're saying I'm in high tech, I'm in medical,
I'm in banking, I'm in energy. But what happens when
the stock market goes in one direction, Frequently they all
go in the same direction. We want you outside of that,
not that those investments by them in and of themselves
are bad. Those are good for growth, but generally speaking,

(46:28):
they're not good for relying on that for your income
for the rest of your retirement. So we have a
bunch of other things that we give called.

Speaker 1 (46:36):
So, Matthew, when we talk about having a plan that
provides you, you know, a study amount of income in your
retirement years, a lot of people default immediately say, oh,
it's an annuity. Yeah, well you deal with some with that, right,
But this is this is let's not make the mistake
and think that you know, when you say that you're
talking about an annuity.

Speaker 10 (46:58):
No, you know, we're not. We're not pigeonholed, you know,
putting someone in a specific hole, you know, based off
of their I guess you would say only annuities, Okay,
Annuities are something that we have access to, and we
would only ever recommend if that's something that would help
accomplish your goals and it meets your needs. You know,

(47:19):
we're licensed fiduciaries, meaning we're only going to recommend things
that's in your financial best interest and we want to
show you why. Right, We're not just going to say, hey,
you need an annuity. Trust us, we're going to say, well,
we're going to recommend an annuity because it accomplishes X, Y,
and Z goal and this is the reason for it.
But annuities are one piece, but the big part of
your income plan is No, that's not the only thing

(47:41):
that we're using for income generation. And you know, the
biggest point that that John really spoke about is, you know,
finding peace of mind. We do that by creating our
five step retirement process. We call that a custom built
retirement review. If you're driving by the interstate, you know
you're in the harbor Anaria. You look over, you'll see

(48:01):
our building. That's where we're located. You'll see custom built
retirement review on the side of our of our building.
And this is what we do for the families that
we work with. They come in our doors, we sit down,
they share their concerns, and we just say, hey, you're
doing a really good job in these areas, but have
you considered this right. These are some things that you're
missing out of and you should consider doing. And that's

(48:25):
that's what we're here to do, is help people right,
to bring them that peace of mind, to help them
live a very long and happy retirement and not have
any concerns. So that way, like John said before, whenever
they're out and about traveling with families, they're not worried
about Hey is the market up or down today? They say,
I have a plan for whatever comes our way, and
that's why, that's why they're happy working with us.

Speaker 1 (48:47):
So initially you come in, you go through the interview process.
A lot you guys need to know about me or whomever. Okay,
you come up with a plan, you set it, do
you forget it? No, not at all.

Speaker 7 (49:01):
So just to just for what people to expect and
if you if you want to, it's eight oh three
nine retire is our number. Eight oh three nine retire.
It's no cost, no obligation. We have a first meeting.
We set aside an hour minand generally take longer than that.
But that's that's usually how it goes. Because I want
to Don likes to talk. Yeah, yeah, will I really

(49:24):
hopefully I like to listen. Really, Gary, I know I
like to, but you know what I mean. I mean,
I really want to understand where you all are. And
we ask a bunch of questions and that is a
no cost, no obligation. Then in the second meeting, what
we'll do is we will give you in some cases
a five thousand foot view in some cases more like
a thousand foot view of kind of where you are

(49:44):
in these five areas. And then there are oftentimes questions
and so on. And typically what would happen then is
if if we decide to work together, then in a
third meeting, then we would sit down and we break
out a punch list of the things that we want
to accomplish the plan that we want to set out,
Like in some cases people there are many different things

(50:05):
that people have. You know, I have to take care
of my five twenty nine plan, or I have to
take care of my mom, or I have to you know,
all kinds of things or you know, wherever, or I
need to make sure when I'm retiring, or if if
you know, do I have all these things? And then
once we assemble the plan, we get it going. Usually
that takes a few more meetings, and then we meet

(50:29):
in the beginning frequently more than annually, but once we're going,
probably annually, where we sit down and we say, okay,
where are we and where are we going? And frequently
that meeting will happen in the fall, because we often
do this thing called roth conversion, and a lot of times,
once you get into the fall, you know basically where
you are for the year, and we say that is
this a good year to do a few things that

(50:51):
are going to help you out tax wise, you know,
these sort of things. So, yeah, no, it is. There
has never been an initial plan that has been the
final plan. And I'm not aware of any plan that
hasn't changed five, six, seven times, you know, and you
just tweak it as you go. But the fundamental things
we can get in place that get you set up

(51:11):
for a long time. And I know, and initially the
discussion was about, you know, do we do annuities, Yes,
if that's necessary, But I think it's a really important
thing because sometimes when you talk to people about annuities,
and some people hate them, and so we don't do them,
and we have other ways to do things. But what's
important is sometimes when you mention an annuity, it's like

(51:32):
a four letter word. And by the way, I have
seen some that I would also use a four letter
word to describe them, like why did somebody end up
in this? This is not helpful, This is not in
the client's best interest. It was because some guy had
a quota and how to get in and there we
work with a wholesaler. Their second largest competitor is half
their size. When we want an annuity, we go to

(51:54):
them when we say, give us, give us the best
you got, and they shop it with about sixty annuity companies.
So we are always very confident that what we're able
to provide is actually the best that's out there and
in the client's best interest.

Speaker 1 (52:08):
So yeah, but again, I want to make the point
that you hear about, you know, income through retirement years.
Annuity is a piece of what you can do. Yes,
it's not. This is not these are these are two
guys trying to sell you an annuity.

Speaker 7 (52:21):
Is that's right?

Speaker 1 (52:22):
Absolutely not. Yeah.

Speaker 7 (52:23):
Yeah, Like people come to us and they say, we
went to this dinner seminar and it turns out that
they have these great annuities. I'm like, great, let's compare
them with the sixty companies that we haven't.

Speaker 1 (52:32):
See how that looks. You get a free Stak dinner. Yeah,
sign up for this annuity. Yeah yeah, yeah, no, yeah,
Now I'll do it for a cruise, all right. John
Matthew always a pleasure to see always terrific information. And
uh again you mentioned the number earlier onet ee hundred nine.

Speaker 7 (52:49):
Retire, ATO three nine retire, say eight hundred yeah, yeah, no,
that's fine, it's ATO three nine retire. We're right here
in the Midlands, happy to visit with you. And again
there's no pressure, no stress, no cost, no obligation. We
see if we're a fit and proceed from there.

Speaker 1 (53:05):
All right, guys, have a great weekend, thanks Garry. 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.
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(53:25):
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(53:46):
be taken seriously. The Law Office of James Snell. I'm
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in Lexington and Columbia.