Health and Wellness Show 06-14-25

Episode Transcript

Speaker 1 (00:06):
And now we welcome you into the Health and Wellness
Show here on one of three point five FM and
five sixty AMWVOC got a busy show planned this morning
coming up. You're in a car wreck and the other
person's at fault, but they don't have insurance, an uninsured driver.
What you need to know about this to prevent this
kind of disaster from happening to you, Maybe not the wreck,
but what happens afterwards. We'll talk about it with Jim

(00:29):
Snell from the law office of James Snell. We'll talk
about Medicare advantage supplements with Jeff Howe from Health Markets.
But the first up this morning, Matthew Terry is off
this morning, but John Farley is here from Preservation Specialists.
John go morning, Buddy good ye man, Yeah, good to
see as well. Preservation specialists y'all are all about, you know,
preserving what you built up over the years. Yeah, and

(00:50):
maybe it last through your retirement years. And this is
not just for folks who are already there. You want
to get there one day yourself if you're not to
that point yet. So this is what we talk about
in the segment today. We want to talk about I
think we haven't talked about this yet, I don't think John,
and that is the topic of healthcare when it comes
to retirement.

Speaker 2 (01:08):
Yeah, yeah, and let's start with that. And so I
guess the thing to do is to start with if
you retire early. Let's start there. So if you retire early,
say you retire at sixty, there's often a gap. Now,
if you're lucky enough to have worked for an agency
such that you can continue on like sometimes state or federal,

(01:29):
you know, try care and these sort of things. But
if you're not lucky enough to have that, if you
when you terminate your employment, when you move on, you
may have like a five year gap or a three
year gap or something in there. To try to figure out, Okay,
how do I get this covered?

Speaker 1 (01:43):
Now?

Speaker 2 (01:43):
There are a couple of options in there, but it's
pretty important to get some sort of coverage because I
always tell people this, and sometimes people say, well, I
can't afford that premium, and I say, you know, look
at even if you get yourself a ginormous deduction deductible.
I mean you can afford ten thousand dollars, you can
to afford a million dollars.

Speaker 3 (02:01):
You know.

Speaker 2 (02:02):
The thing is if you break your back and you
need you know, like you need extensive, extensive, extensive. You
want to you don't want to bankrupt your family for something.
So it's really important to get some sort of coverage
in there, even if it's a large deductible plan, so
that you have that backstop. And that happens, you know,
people say, well, I can't afford the premium. I'm like,
you can't afford the alternative exactly. That's the story, right,

(02:22):
So a couple of things to think about when you
do that. A lot of times people will go on
the on the uh on the government plan at that
point where they'll say, okay, let's let's go to the marketplace.

Speaker 1 (02:31):
And let's shop. Now.

Speaker 2 (02:33):
The thing that's important about the marketplace and shopping is
this is that is based on how much income you have.

Speaker 1 (02:41):
Whether or don't you get to what your premiums are.

Speaker 2 (02:43):
Okay, but you can do some you can do some
planning to make sure that your what Uncle Sam sees
as income.

Speaker 1 (02:51):
Right.

Speaker 2 (02:52):
So another word, so think about this. So so let's
take Bill Gates for example, how much do we how
much income do we think Bill Gates.

Speaker 1 (03:00):
Made last year? A couple of gazillion?

Speaker 2 (03:01):
Well, no, he made long term capital gains, but what
was his income? Probably very low by the official standard
of the government. So in other words, did he take
money from a pension, did he take money from a
four to one K? Did he get money from earnings?
Probably not very much. And so the idea is, so
what we try to do is we try to set
up strategies where over that time where there's the gap

(03:24):
that you take your money from different places such that
it is considered the lowest possible income that you can have,
and we try to keep you below these levels to
keep your premiums low. Now, if you're in a situation
where you're taking a ginormous pension, there's really nothing we
can do about that, because a pension is considered income,
and it's the double edged sword. Income is guaranteed, taxes

(03:45):
are guaranteed, and in a case like that, then maybe
you would be also guaranteed that you're going to pay
a higher premium on your healthcare. But there are things
that you can do and that we do frequently with people,
as we say, okay, before you get there, let's move
some money around, Let's put some stuff here, some stuff there,
And so what we take out of this bucket is
not considered income. Therefore, your premiums are going to be
the lowest they can be through that gap, through that

(04:07):
gap time.

Speaker 1 (04:08):
And of course this beg is a question what does
the government not consider to be income.

Speaker 2 (04:12):
Well, if you have savings, okay, yeah, take money out
of savings, right, you've already income that money, yeah, you
already have. Now you have to pay you have to
pay income on the growth of that, right, you know,
dividend income, that sort of thing. But we can we
can move things in certain in certain areas that we
can set it up. For example, if you have a roth, right,
we can say, okay, we're gonna take a little bit
out of that, We're gonna take a little bit out

(04:33):
of your uh maybe your pension. We're gonna take a
little bit out of you four one K. We're gonna
take a little bit out of your savings. But we're
gonna do this to try to keep your your what
your amount of income low enough that your premium stay low.

Speaker 1 (04:44):
This is taxable income.

Speaker 2 (04:46):
Yes, taxable income, yes, yeah, yeah.

Speaker 1 (04:48):
I guess with the affordable care is that's what the
IRS is looking at. Yes, they are taxable income versus
you get these supplements to help tide you over and all, okay.

Speaker 2 (04:57):
Yeah, make sense, and the way that works, so we
try to plan accordingly, right, so you can you can't
set it up to save people money. Now, some people say, well,
you know, I want to go out and I and
I you know, but but but it's a puzzle, and
you assemble the puzzle and make sure that we're doing
the best we can to make sure that your premiums
are going to be as low as they can. And
I mean, I've had some examples where you know, reality is,

(05:19):
I had this this medical doctor came in and and
and you know, he'd done very well and a great guy,
and he had retired early and and he's so we
did some planning and and you know, he's he's a guy.
He taken the Hippocratic oath, which is, you know, never
do harm. You know, I always do good. I always
do good. And and his thing, he's looking at me
and he said, here's the thing. You know, at this

(05:40):
point in my life, I can afford these premiums. Right,
but we've planned around this so that my premiums are
really low. And remember the whole idea of this thing
was to try to get health care for everybody, because
if everybody gets in the system, then it's it works
because the premiums are low and all this sort of stuff.
And he said this was to help people who didn't
have it, but I can afford it. And I said listen,
So he's feeling guilty now, yeah, I see. You have
to talk to your pastor. My job is this you're

(06:02):
share is to get you to get you in this thing. Uh,
you know, I'll let you deal with the spiritual realm
over here. But my thing is you know, apparently I
did my job right, you know. So anyway, Yeah, so
you're the devil?

Speaker 4 (06:14):
Yeah, yeah, so there are Yeah, this is I was
not aware of this.

Speaker 1 (06:19):
There are ways to work around that.

Speaker 2 (06:21):
Yeah, totally about absolutely right, Yeah, there's no there.

Speaker 1 (06:24):
We're certainly working within the law. You're you're taking money
that you've already earned and paid taxes on, yes, yes,
and you put in different buckets, yes, And all you're
doing is reclaiming some of that money. So yes, oh yes,
Sam's already got his share of that to begin with.

Speaker 2 (06:38):
No question, and Uncle Sam will continue And our job
is to our job in this process is to pay
Uncle Sam. When Uncle Sam is due, but don't leave.

Speaker 1 (06:46):
A tip, right, don't pay it twice? Yeah, exactly, Yeah, yeah,
so brilliant. Yeah.

Speaker 2 (06:51):
So that's one thing to discuss. The other thing to
discuss is is when you talk about so the way
it works is once you're on medicare at sixty five
right for most people, Once you're on medicare, then the
question becomes should you need some sort of long term care?
Should you need to go into a facility, should you
need someone to come to your house to help you out,
you know? And and the way that works is this

(07:12):
is when you talk about long term care, that just
is let's just say you're a married couple. You just
want to make sure that if something happens to one
of you that the other one is not left with nothing,
because it can be very expensive. A fidelity study was
done and this is pre COVID, so this is probably
the numbers are probably higher, but the average couple is
going to spend three hundred thousand on healthcare through the

(07:33):
retirement and if you're starting at you know, sixty five, right,
and in some cases that can be more. But so
the idea is this, you want to plan for this,
and you want to say, because what happens is should
you need long term care? And I'm not talking about
you know, you've got a knee replacement and you're out
for a couple of months, that's that's not long term care.
Long term care is you're you know, you need to

(07:53):
you need help, right, And that's not that uncommon right
that people Okay, it's just it's life.

Speaker 1 (07:57):
We get older and we need some help.

Speaker 2 (08:00):
So the way you want to do this is you
want to say, okay, I have resources set aside, or
I have some sort of insurance set aside that covers
either a portion of it or a good portion of it.
And sometimes people want all of it covered, which is
that's okay, But but you want a good portion of
that covered so that you're you're okay, And there are
different strategies to do that. Now I will tell you.

(08:20):
I'm going to give you know, just so you know
who you're dealing with. Gary in the the Devil. Yeah.
So in the third and when I was in my thirties,
I was working for General Electric and they were a
very paternalistic company. They had all these benefits and everything,
and they came to me and they said, okay, We've
got this long term care policy for you, Farley. You're
in your thirties, you're young, you're healthy, there's no issue.
It's going to cost you thirty two dollars. Yeah, thirty

(08:41):
two dollars a quarter, and you will never pay more
the rest of your life. They lied, right, So yeah,
so I'm paying a lot more now that said, it's
still a lot less than if I tried to get
into that program. Now, sure, that is a traditional long
term care policy, okay, but I just underscored the the
what is the downfall of those traditional policies, which is

(09:03):
it's just like an auto policy or homeowners policy. You
pay into it and you hope you never use it,
and all that money goes out the window. Righty're sure
right now, but you hope you never need it, right so,
And the other thing about those policies is that as
you get, as you age, we've seen some significant increases
in premiums for people who are like in their mid
seventies or eighty or eighty five. And and you know,

(09:25):
the the insurance company comes to the insurance commissioner and says, hey,
I need to raise rates because this is just costing
way too much and if I don't, I'm gonna have
to pull out of your state. I mean, it's so anyway,
we know what happens when they pulled out of the state,
then you lose your insurance. And all the other insurance
companies are they are they're raising their areas. Yeah, absolutely,
so they tend to get what they want in terms
of raising rates. And sometimes these rates can just go up,

(09:48):
you know, year after year, fifteen twenty percent. It's just
it's a lot, right, So there are other strategies that
we employ to try to get you set up to
take care.

Speaker 1 (09:56):
Of you during that time.

Speaker 2 (09:57):
One of the strategies is this, you can purchase a
life insurance policy that is really a long term care
policy that's on the chassis of a life policy. So
the way that works is it's not much of a
life insurance policy. Let's just say put fifty Let's say
you put one hundred thousand down right now, I'm just
using round numbers. These are just for illustration. There's nothing here.

(10:19):
But let's just say you put down one hundred thousand. Well,
your life insurance on this might be one hundred and
twenty thousand if you die in twenty years. So that's
not much of a life insurance policy, but your long
term care will be three hundred thousand. Yeah, right, and
your premium is done. You never have to pay another premium,
so there's no way that can go up. You just

(10:41):
put the money aside. You get it either way, so
your airs get it. If you pass. It's not much,
but it does give you some backstop. Now maybe you
don't need to maybe put in fifty thousand or something,
and you can put inflation riders and stuff to protect
you and your family as you get down the road.
And there are certain ones that are some of them
require you to to reimburse like they say, okay, you

(11:02):
need to give us the expenses and then we'll reimburse you.
Those we don't want those. We want those that are
if your doctor says you need long term care, we
are going to give you that money, and we're gonna
give you that money every month, and that's how it
goes for the rest of your life, right as long
as you need it. You know, these things go for
five years, six years, some of them go for longer.
But anyway, the point is is there are things that
you can do to set yourself up.

Speaker 1 (11:25):
So that's one option. Go ahead. Okay, So but this
is not your standard life insurance policy, no sir, no,
no specialize.

Speaker 2 (11:32):
Yeah, it's this one. This one is really a long
term care policy. That's that's on a life insurance policy.
And the reason why it's on a life insurance policy
is to combat that problem of the increasing rates as
you go down the road. Yeah, it's that's one. Now,
there are plenty of other strategies. There are people who
once you sit down with them and you go through things,
you say, you know what, you're a good candidate to
self ensure. That means that you have the resources and

(11:55):
there's no reason for you to buy a policy.

Speaker 1 (11:57):
You're good to go.

Speaker 2 (11:58):
And that's that's something that we can evaluate and say, yeah,
you're in you're in good shape.

Speaker 1 (12:03):
Let me just do some quick off the top of
the head math here. So, yeah, I happen to know
at least as of a couple of years ago, you know,
any kind of long term care is probably yeah, in
a decent facility. Yes, yeah, you're talking you know, eight
nine ten thousand dollars a month. Yes, yes, so you
can be talking a budge of one hundred twenty thousand
dollars a year.

Speaker 2 (12:20):
Yes, and add some inflation on that twenty years down.

Speaker 1 (12:22):
The road exactly. Yes, yes, So I mean if it
could depends on when you internet. Yeah. Yeah, if you're
in your mid eighties, okay, but if you're your mid seventies,
that's a tough that is that's like rich people Bunny
right there now, Yeah it is. Yeah.

Speaker 2 (12:35):
But but there are things that you can do. Okay,
things that you can do. You definitely want to set
aside something to apply to that, because if you don't
have that, you may end up in a place that
might not.

Speaker 1 (12:46):
Be your first choice.

Speaker 2 (12:47):
Oh you don't want that, right And in that case,
now you're on you might be on Medicaid, which is
a whole nother story. But I will say this, if
you if you set some stuff aside and do some planning,
a lot of places will have deals where you go
in and you say, Okay, I'm going to give you
X amount of dollars and I'm going to pay so
much on a monthly basis. But if I run out

(13:08):
of money, you will not they contractually, they will not
kick you out, and you're.

Speaker 1 (13:13):
Good to go forever. These are the nursing homes.

Speaker 2 (13:15):
Yes, nursing homes and and and and there are I'm
not gonna mention any specific names because that would be unfair,
but there are definitely some really good ones around here
that that have a very good reputation and they offer
that sort of thing, so.

Speaker 1 (13:27):
You can give them.

Speaker 2 (13:29):
Yeah, so you can give them like a chunk up
front for say you and your spouse and you move
in and you do that sort of thing. Uh and
and and that chunk is your insurance policy forever.

Speaker 1 (13:39):
This is not something you have to buy in advance,
just in case. I mean when you actually in the facility.
You're buying right when you actually in facility.

Speaker 2 (13:45):
So in a lot of times with some people will
do and we'll we'll work with people to do this
where they'll say, Okay, i have a house that's paid off, right,
so I'm going to sell that house and I'm going
to take that money and I'm going to move it
to this long term care facility and that is my
that is my down payment for the rest of my
life for my spouse and me.

Speaker 1 (14:02):
So a question from an air standpoint, mm hmm. You
do that and you put three hundred thousand dollars up front.
Let's say, but you pass within the years. Um hm,
that money's gone or gone. Okay, yeah, it's gone. And
again you're buying peace of mind. That's what you're doing. Yeah.

Speaker 2 (14:20):
Yeah, And the thing is and then there's this whole
other thing. A lot of times people will say, well,
when I get to a certain point in my life,
what I'm going to do is I'm going to put
my assets in my child's name and in my name
and and the Now I'm not a lawyer, but I
can say I'm just going to give you one example
of why that might not be the greatest of ideas,
because let's just say it's in your child's name and

(14:41):
it's your house. Let's just say your child gets in
you know, your your adult child gets in an accident
that happens to be their fault.

Speaker 1 (14:50):
Right now, you got that liability.

Speaker 2 (14:51):
Yeah, now you might not have the house that you
have saved and done. You know, so you got to
you know, there are ways to plan around these things,
but oftentimes it's not the best I idea to put
things in the child's.

Speaker 1 (15:01):
Name, right, and not that you want to have to
ever rely on Medicaid for this, because if you do that,
now you're in a place you don't want to be.

Speaker 2 (15:10):
Right, But if you've started with Medicare and some other stuff,
you may end up on medicaid. But you could be
in the same facility that you start to start off in. Yeah, yeah, yeah.

Speaker 1 (15:19):
And I've heard of people who thought, well, I'll just
I'll you know, give all my assets to my kids
or whatever or sell it off and and I'll go
on Medicaid and they'll cover all this. But there's there's
that look back thing they do, right.

Speaker 2 (15:30):
They do a look back. Yep, they do a look
back for several years. But not only that.

Speaker 1 (15:33):
Again, you know, you don't want to be in a
medicaid facility. You don't want to I'll just say that. Yeah.

Speaker 2 (15:40):
Yeah, that's the thing. You want to have choices. You
want to have choices. Yeah, yeah, that's the thing because
that and listen, there are good places and bad places
and all that, but but in certain circumstances, you want
to have choices to be sure.

Speaker 1 (15:53):
Yeah, if you if you can control that. Yeah, there's
so much that you know, maybe you feel like you've
planned properly for your retirement years and you've done a
good job, but every time we sit down, there's something else.

Speaker 2 (16:06):
Yeah, but the you need to consider it. Yeah, but
but that's what we do. I mean, I mean, listen,
the you know, Pat is the founder of our company.
I can tell you I bought in because it's the
best place I've ever worked.

Speaker 1 (16:18):
Really.

Speaker 2 (16:18):
I started there in twenty sixteen. My my background is
finance and metiorology. People know me as meteorology because of
the TV.

Speaker 1 (16:24):
My background is finance and broadcast. Yeah, right there you go.
You're right, yeah, yeah, yeah, so you know so so
I never used my finance background.

Speaker 2 (16:31):
You, on the other hand, Yeah, yeah, no, I ran
a fund, I've done some things, you know, all that.
So but but but but but Pat founded the company
and and we have we have a mission statement, and
the first thing in our mission statement is give peace
to the families we work with, so they can go
and enjoy the retirements. Now, give peace of mind. And

(16:53):
with a comprehensive plan, you can have peace of mind
and you can say, okay, I am good.

Speaker 1 (16:58):
Now.

Speaker 2 (16:58):
What we find is a lot of times people we'll we'll, we'll,
we'll put together the plan and we'll start to and
it takes them a few months and maybe even a year,
and then they're like, okay, I see how this is working?

Speaker 1 (17:07):
I see yeah.

Speaker 2 (17:08):
And then they're like, Okay, I'm out on the golf course.
The stock market did whatever it did. I'm allocated around.
It doesn't matter. I'm good. I'm good to go. So yeah.
So the number one thing and Pat and again Pat
fabulous Preservation Specialist is named that way for a reason, right,
and it's it's you know, our number one thing, give

(17:29):
people peace of mind so that they can go and
enjoy the retirement.

Speaker 1 (17:32):
How doos get ahold of you?

Speaker 2 (17:33):
Guys at one eight hundred and nine retire it's eight
hundred and nine retire. Our office is right near Harveston
off of I twenty six. We'd love to see you.

Speaker 1 (17:42):
Good to see your body. Hey, Gary, and I see
you too. Hi. This is John Farling. Now let me
ask you.

Speaker 2 (17:48):
Is your retirement inflation proofd Here's what I mean. In
retirement chances are you're on a fixed income with variable expenses.
So how do you not run out of money when
the cost of just about everything could used to go up?

Speaker 1 (18:01):
You inflation proof it.

Speaker 2 (18:03):
Our team at Preservation Specialists can show you strategies to
help combat inflation so it doesn't outpace your retirement income.
Call us today at ATO three nine retire to learn more.
Inflation could take a huge chunk out of your retirement savings,
but it doesn't have to. With some simple planning, inflation
can go from being a major disruption to just a

(18:23):
minor annoyance. Call the team at ATO three nine. Retire
now to start inflation proofing your retirement today at three
nine retire. That's eight three nine.

Speaker 1 (18:35):
Retire.

Speaker 4 (18:36):
Securities off through Okado's Capital member Finner and spec Advisory
Services off through Okados Well Performation Specialists and Arcadios are
not affiliated through any ownership.

Speaker 5 (18:43):
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and with Jeff Howell and the team at Health Markets
and Lexington, finding that perfect plan is easier than ever,
whether health or medicare insurance. Let the experts guide you
toward ease of mind at a healthier future. And who
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(19:04):
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plan that fits your needs.

Speaker 1 (19:09):
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Speaker 5 (19:11):
They work with nationally recognized insurance companies to give you
the affordable insurance you're looking for. So whether you're self
employed or in a small business, an individual or seeking
a family plan, they have you covered literally from head
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o three six seven eight eight one two one, or
visit Jeffhowel dot com that's eight oh three six seven

(19:35):
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and let them find the right insurance for you.

Speaker 1 (20:08):
And we welcome you back to the Health and Wellness
Show on one of three point five FM and five
sixty AM. WVOC Jim Snell, the Law Office of James
Now that's the name on the shingle right there, and
this is the man right here in studio.

Speaker 4 (20:20):
Good morning sir, Good morning gear the heck? Are you oh,
just fantastic enjoying the heat?

Speaker 1 (20:25):
You know you're you're saying that with tongue firmly planet
in cheek. Wow, do you really enjoy the heat?

Speaker 4 (20:30):
This is so much better in January?

Speaker 1 (20:32):
Well, yeah, yeah, I can agree with you on that one. Yes,
best time of year, well, especially around here because you
got so many things you can do. You get the lake,
you're not far from the beach, not far from the mountains.
Maybe you got a pool in your backyard.

Speaker 4 (20:46):
Yeah, all kinds of things, you know, everything. Again, this
has always been my favorite time of year. And and
now I'll tell the other thing is so, Chris, my
office is in uh you know, where I work out
of is downtown Lexington. And the one thing I do
appreciate is the commute in the morning is so much
faster without the school traffic. Yeah right, okay, So also

(21:09):
appreciate that, you know, once school starts back up at
god adds it adds twenty five percent onto my commune times.

Speaker 1 (21:18):
Yes, so you don't have these worries because you know
during the week, Yeah, I'm rolling up in here about
four am. Yeah, you got the good you got the
goat good hours. But then I got to get up
at like three am.

Speaker 4 (21:28):
So anyway, well you know that's what what what been
Franklin say?

Speaker 1 (21:32):
You know, yeah, but it hadn't it had early to rise.
I hadn't panned out for me yet. Man, Well you're
certainly wise, right, Yeah, yeah, I don't know about that
any healthy you know, Yeah, I guess. But well anyway, uh,
we'd all be wealthy but for the I R S
exactly right. They were all over taxed. Yes, speaking of which,

(21:55):
I gotta pay my quarterly taxes again here.

Speaker 4 (21:57):
You know, I watched my calendar, I watch YouTube video
not too much, right, but and you know these countries
out in the Middle East, a lot of them don't
have any income tax they have to they don't have
to write. And everybody's driving around in Lamborghini's and you know, Rolls,
Royces and Bentley's because.

Speaker 1 (22:17):
The don't have taxed.

Speaker 4 (22:17):
They don't they don't pay income taxes, right, you know, yeah,
but for the I R s and the good folks
the department revenue that would be us.

Speaker 1 (22:24):
You know, well we can dream, right, yes, we can dream.
Maybe one of these days. Uh today, I believe we're
talking about what happens if you're involved in an accident,
a car wreck, not your fault, right, and the other
person who is in fault is one of these individuals
that somehow has found a way to actually drive around

(22:48):
and get a tag on a car and everything else,
but they don't have well that one key ingredient jim insurance. Insurance.

Speaker 4 (22:57):
Okay, and you know I'll tell you I just I
was just looking at this, uh kind of I guess
an estimate or statistic, it's about one out of eight
cars on the road. Eight one of eight in South
Carolina is driving around no insurance.

Speaker 1 (23:10):
I've never figured out how that. I guess if you've
if you've got already got your tags and all that
and and at some point, but even if even then, right,
if you have your car registered but you lose your insurance,
that's a there's a big red flag sent to the
d m V on that, right.

Speaker 4 (23:30):
Yeah, they don't come repossess the car, but well, yeah,
that's right, I mean they can, yeah, I mean they
don't report the car. I mean they they may you know,
there's there's a process where they can suspend somebody's license,
and people caught driving with that insurance, you know, can
have their license suspended.

Speaker 1 (23:47):
Well, and I guess, as you mentioned, about one of
eight cars are driving around uninsured around here, then it'd
be kind of hard to put up a you know,
a little bowlo for for cops to look out for
this license flight number because there's too many of them.

Speaker 4 (23:58):
There are too many of them. And then and then
you know, some people are on monthly payments and then
they fail to make the payment, and then you know,
two or three days later they get in a wreck
and they have no coverage at that time. So there's
just a lot of that, I mean, and and and
the other thing is when you think about what causes
a car accident. Okay, uh, and certainly I mean good

(24:20):
people that are good drivers. You know, you can have
an inadvertent mistake, right just and I mean anybody can accidentally,
you know, cause a wreck. Okay, I mean nobody's perfect, right,
but I will tell you, uh, the kind of people

(24:42):
that maybe don't have insurance that choose to drive anyway,
I have a feeling there's probably a probably decent overlap
with those situations and other decisions that you make, right
a little about just general.

Speaker 1 (24:57):
Irresponsibility not whatever.

Speaker 4 (25:02):
So I have not seen any statistics, but I just
have a feeling that the uninsured driver, just by virtue
of their other personality characteristics, is probably more likely to
cause a wreck than a regular person. That makes some sense, Yeah,
I just I just have that feeling. But yeah, so okay,
so it's one out debate, all right. And so what
that means is, you know, if you get in a wreck,

(25:25):
there is a you know, I mean a lot of
wrecks happen with caused by people with no coverage, right,
so that that can be both hit and run situations.

Speaker 1 (25:37):
I was gonna ask, I'm guessing that probably in every
hit and run situation out there, it's either somebody who
doesn't have insurance or is starting on a suspended license,
or they got warning, they got something, they got warrants
or whatever.

Speaker 4 (25:49):
They got warrants and they probably just think child support
could be but it's something, all right, So you've got
the hint and runs. You You absolutely have situations where
people present an insurance card to say the police at
the scene, and they have a document that looks like

(26:10):
there's coverage. But again there are these situations where they
haven't made the payment and it's lapsed, right, so you know,
now days are later, you know, you try to reach
out to the coverage, you get car fixed or whatnot,
and you find, hey, there's no policy, right, they're not
they're not covering it. And then and then you have

(26:31):
the situation where people are just i mean, they don't
have anything, you know, they don't have a they don't
have maybe they don't have a tag, maybe they do,
but they don't have a license. They don't have insurance,
they have nothing, and they cause it, all right, Okay,
so those situations happen, and and the other thing I
want to talk about, just briefly, is this kind of

(26:55):
general guidance I have in legal situations or disputes. When
people cause damages, are a loss, like whatever kind of
situation it is, whether they breach a contract, they you know,
they do whatever, you know, the legal remedy is to

(27:15):
take them to court and sue them. Okay, Well, courts
in South Carolina don't have the authority in those situations
to order people to pay. So you could win a lawsuit,
but the court doesn't say you must pay this money.
You get a judgment real and yeah, really the only
type of things that I mean they give be some

(27:38):
loose exceptions, but typically unless it's something like child supporter
or alimony, courts don't order people to pay. A judgment
is a right to collect, and the majority, vast majority
of people in South Carolina are what's called judgment proof,
meaning they have no assets to actually collect against right.

Speaker 1 (27:59):
So you could, but as you just said, though, unless
I'm here, I'm reading this wrong. Even if you did,
the court can't order you to pay correct.

Speaker 4 (28:10):
Yeah, Now, if they have assets, like they say they
own a you know, a piece of property somewhere right,
thing right, there are mechanisms to collect the judgment against,
say the property. But if somebody doesn't own anything and
they're just you know, yeah, it's just you can sue them.
You know, you could have the best case in the
world and you could sue them and you could get

(28:31):
a judgment and you know it can it'll be uncollectible.
Like South Carolina does not have wage garnishment for civil judgments. Again,
there are exceptions like family court kind of things. But
you know, if you sue somebody for a broken contract
or causing a car wreck.

Speaker 1 (28:48):
There is no.

Speaker 4 (28:52):
There is no scenario where a court will give you
a judgment and then they garnish their wages and you know,
repay you.

Speaker 1 (28:59):
Interesting.

Speaker 4 (29:00):
So the protection that people can have against these scenarios
is called uninsured coverage. So when you buy your car
insurance insurance, so when you buy your car insurance policy,
your insurance company is required to offer you coverage in

(29:22):
this for this event called uninsured. There's a kind of
a companion coverage called underinsured, for when the person has
insurance just not enough, okay, And that's a whole other
thing because minimum limits in South Carolina are twenty five thousand,
which for even anything more than a very minor wreck

(29:45):
with injuries is not going to be enough. So you
got uninsured, and the uninsured portion the coverage takes the
place of the insurance that the other I should have had.
Right So, you know, when we get a case, you know,

(30:10):
somebody comes in with the car at case and we
determined that there is no insurance, right like the insurance
information collected by the police is not accurate. You know,
you know, there are steps to try to determine if
there actually is a different policy or is this is
there some issue, but you know, oftentimes it's determined there

(30:30):
is no coverage and so then it comes back on
you know, on our client. Hey, get us your insurance
declarations page. Let's verify what your policy covers. You know,
how how your policy covers you in this contingency. And
and you know the majority of people who purchase insurance

(30:53):
also purchase uninsured. You can actually opt out of it,
and you know, save I don't pennies on your policy.

Speaker 1 (31:00):
I don't know. But if you missed the stat earlier,
that Jim gave us one out of eight or driving
around without car insurance is a huge number. So yeah,
give the uninsured coveragef we don't have it.

Speaker 4 (31:10):
Yeah, A nothing on this point is oh oh now,
I'll say this. Now, Now we're trying to negotiate a
resolution or settlement with your insurance company, they'll say, And
I will tell you they are no less adversarial, generally

(31:30):
than if it was a company, you know, the other
guy's company.

Speaker 1 (31:33):
For their own paying customer.

Speaker 4 (31:34):
You know, just because you're the paying customer. Don't don't
expect them to necessarily roll out the red carpet. There
are some there are some I don't get two down
the weeds. There are actually some companies that that can
be a little easier to deal with, but generally speaking,
they can be just as as disagreeable as the next guy.
Don't want to give up to Bunny. All right, And
we touched on the hit and runs briefly.

Speaker 1 (31:56):
Let me ask you about that hitting runs. Okay, let's
say that, Yeah, you're hit by a hit and run driver,
they take off. Is there a certain amount of time
that has to transpire before you can, you know, try
to cash in on your own uninsured motorists claim. I mean,
do you have to because you know, maybe maybe that
that driver did have insurance they took off for whatever reason.

(32:19):
Is there a you know, is the is say, well,
well we need to wait a little while to see
if the police can apprehend this person they actually have insurance.

Speaker 4 (32:26):
And they will they yeah, they will do that. What
what you got to do is as soon as you
have the incident, you have to report it to law enforcement.
I mean it's it's basically you've got this. In order
to trigger uninsured coverage and a hint and run, you
had this obligation to notify law enforcement, as you know,

(32:47):
in a reasonable timeframe. But I do it as quick
as you can, and I will tell you rex, hitt
and run racks where there was a collision or sing
sgnificantly easier to deal with than these scenarios where somebody
says a car was in my lane, I swerved off
the road and we never made contact right and then

(33:10):
that guy just kept going right. There could be coverage
there too, but there they always take a real more
skeptical look at those scenarios. But a true hit and
run with property damage where you can tell another vehicle
made collision. Just those do need to be reported law enforcement.
I will say this, when when you do have a

(33:32):
situation where you do pursue an unasured claim, there is
actually a scheme kind of with the Department of Motor
Vehicles where that individual's driver's license can end up being
suspended for a prolonged period of time until they either
enter into a repayment plan with your insurance or they

(33:54):
they end up paying it back. It's really not helped
anybody who's who's in this position. I guess just the
big takeaway I think is just because somebody is hit
by somebody with that insurance, I mean, all is not lost.
But I would always encourage people. I'm not the salesman
for the insurance industry, but it's it is definitely worth

(34:16):
it for people to understand their policy, understand their limits,
and then be comfortable. Are these limits enough to protect
me if me or something my family was unfortunately involved
in some kind of collision.

Speaker 1 (34:29):
Are there typically? And again you're not an insurance salesperson,
You're an attorney, all right, but do you know, I
mean when you purchase I guess I look at my policy.
I probably should I know I have uninsured and underinsured.
But when you have that, then are there limits to that?

Speaker 4 (34:45):
Yes, and it'll track your liability limit, it'll it'll match.

Speaker 1 (34:49):
So okay, what if you and if you don't have
comprehensive insurance, you have liability only, you don't, do you
have the option to get Yes, uninsured you do?

Speaker 4 (34:57):
Okay when I hear when you talk about that, you
mean that the cover that would cover your property damage. Yeah,
So if you have just liability only, which covers the
other damages that you might cause, you can also add
uninsured and underinsured and the insurance coman is required offer
to you.

Speaker 1 (35:14):
And then you're hoping that if you ever get hit
his pite uninsured motors, right, because if you don't have that,
you don't have comprehensive then you are out of luck.

Speaker 4 (35:22):
But yeah, yeah, no, if if you correct, if you
have only liability no uninsured, you're hit by an uninsured driver,
you are out of luck.

Speaker 1 (35:31):
Effectively.

Speaker 4 (35:32):
And same thing if you don't have underinsured and you
have one hundred thousand hospital bill and they only have
a twenty five thousand policy like their insurance hopefully will
pay the twenty five but that's it. You're left holding
the back.

Speaker 1 (35:46):
For the rest.

Speaker 4 (35:49):
And there and and and they're really it's they're really
are sad situations where people are victims of really horrific
you know, catastrophic injuries out of the at a car
X and you know there's just the minimum limits policy.
And I mean, you know when I first started practicing,
the minimum limit was fifteen thousand. Yeah, yeah, And I

(36:11):
mean it didn't matter if it was a death case.
You know, somebody died in the collision. Like it's all
the insurances on the hook for is the fifteen that's
all you're going to get. So you really want to
look at your policy, verify you get the coverage.

Speaker 1 (36:21):
All right.

Speaker 4 (36:22):
If anybody needs to talk to us, wants to follow
up with my office, we do personal injury workers comp
car REX numbers eight zero three three five nine three
three zero one. We offer free consultations or they can
visit us online at Snell Law dot com three Lssnell
Law dot com.

Speaker 1 (36:38):
All right, Jim, good to see you, thanks sir. All right,
this is the Health and Wellness Show on WVOC.

Speaker 5 (36:44):
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Speaker 1 (39:00):
And welcome back to the Health and Wellness Show on
one O three point five FM and five sixty AMWVOC
as we welcome in Jeff Howell, the owner of Health
Markets over and Lexion, who joins us again this morning. Jeff,
good morning do you sir?

Speaker 3 (39:12):
Good morning Gary Medicare.

Speaker 1 (39:14):
In 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

(39:35):
we 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 health insurance agencies and for folks on health
insurance like Medicare.

Speaker 3 (39:51):
Right azation called the National Association of Benefit Insurance Professionals,
and we go to d C 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,

(40:14):
how we can keep health insurance prices load for small
business owners, very important topics for for me, I'm very
passionate about all 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 insurance

(40:37):
and Medicare.

Speaker 1 (40:38):
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 uncertainy as we as we have right now.

Speaker 3 (40:47):
Spoor 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 a d C was more unstable and more
used to 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

(41:08):
or any predictions. Is you know, everything is day to
day there right now.

Speaker 1 (41:13):
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 3 (41:28):
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

(41:49):
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 give you out benefit to
there too of course to the policy holders, right and
then whatever whatever they don't spend on policy holders they
get to keep for themselves a profit. Right. Well, this

(42:11):
this 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

(42:34):
this administration. 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

(42:56):
normally get, the administration is telling you all you need
to know about how they feel about medicare advantage. Definitely
very pro medicare advantage.

Speaker 1 (43:04):
And this should be comes a surprise. I guess Trump
is in favor of privatizing a lot of things, and
this basically I 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 3 (43:25):
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 Doe who just
turned sixty five and shows a Blue Cross Medicare advantage plan,

(43:48):
he is your responsibility. So the risk is now all yours.
And so I think, like you say, that's very consistent
with everything else that's going on, you know, the federal
I'm telling a lot of employees, you know, take this
early retirement check and go on your way what you
want to do, right, right, So very consistent.

Speaker 1 (44:10):
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 3 (44:25):
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's 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

(44:46):
a month. Once you get your A and B set
up and you choose a Medicare advantage plan, a person
will continue to pay that one to eighty five to Medicare.
You can don't get out of that right However, most
Medicare advantage plans have zero premiums. 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

(45:07):
your Medicare. 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
and are processed by Blue Cross. Medicare is out the
picture altogether.

Speaker 1 (45:25):
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, seems
to me. 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 weighty five year paying them
to blue Cross to handle all that or is that still.

Speaker 3 (45:49):
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
and of course, you know I talked to earlier how
they're getting a pay raise five er some more. But
they send blue Cross money and then blue Cross takes
that money and they use it to pay all of

(46:12):
John Doe's medical claims and the dental bills and his vision,
his eyeglasses, things of that nature, and of course blue
Cross or any insurance companies hoping that there'll be some
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 (46:31):
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.

Speaker 3 (46:36):
So yeah, and if you call the stock market at all,
all the stocks you know, I had Healthcare Humanity at
a signal, they all got way up after that announcement
came up with that pay raise, So absolutely right, absolutely.

Speaker 1 (46:51):
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 necessarily the best way to make
this happen when it comes to Medicare coverage. But what else?
Get out your crystal ball here for us, mister Howell.
I mean, what other changes do you think we may

(47:11):
be seeing in twenty twenty five, this year and beyond.

Speaker 3 (47:16):
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 would
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

(47:37):
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 at
one time deductble. This year that deductle was only two

(47:58):
hunred and fifty seven dollars Part B. So that's not
much risk, right, your whole calendar year, your whole risk
is only two hundred and fifty seven dollars.

Speaker 1 (48:06):
That's bad.

Speaker 3 (48:07):
It's a pretty solid plan. And your network is Medicare.
You know, any doctor or 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 person a person's turning
sixty five, but also every year a person gets older,
of Medicare supplement goes up in price. Normally we see

(48:30):
that at four 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,
I say unfortunate. I mean, they would switch to Medicare advantage.
That's not necessarily a bad thing. But if that person
likes their Medicare supplement and that's what they prefer to have,

(48:54):
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 (49:02):
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 5 (49:15):
Right?

Speaker 3 (49:15):
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 ATNA and Lexa Medical
Center got into a fight after the annual and ROMA,
and certainly everyone who had a ATNA CARB certainly became
worried that they couldn't go to their electa medical center
and doctors or hospitals or you know, you know in

(49:39):
twenty twenty five and so a lot of people had
to make a change from ATNA over to a Blue
Cross or United Healthcare or whoever, you know, someone that
elects the medical center was in network with Those are
problems you don't have with the Medicare supplement because Medicare
is primary. So Medicare advantage just come with a lot
of great perks. However, sometimes you have these network issues

(50:02):
that could be frustrating.

Speaker 1 (50:03):
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 3 (50:17):
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 sophaere because they can
afford the premiums. But however, you can look at you

(50:39):
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 if 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 limiting

(51:01):
income may 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

(51:21):
should go with the Medicare supplement. So I think that's
that's probably 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 (51:32):
And then that's because your deductibles are capted two hundred
and fifty seven bucks a year, right.

Speaker 3 (51:40):
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 as hard to count on

(52:02):
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 an 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. That is your

(52:24):
worst case scenario. And the statistics shows that less than
one percent of people hit their max amount of pocket
on a Medicare advantage plan.

Speaker 1 (52:31):
Oh really, that's one. That's Jeff. How health markets over
in election, and how to folks reach you in and
get your free help. By the way, it's free, right,
that's right.

Speaker 3 (52:40):
My 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 or call is eight zero three
six seven eight eight one two one. There's eight oh
three six seven eight eighty one.

Speaker 1 (53:01):
All right, Jeff, always great information. Appreciate it so much.
Have yourself a good weekend, my friend.

Speaker 3 (53:06):
You too, Gary. Thank you.

Speaker 1 (53:10):
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 as settlement that's unfairly low. The Law Office of
James Snell recognized by AVA with a ten and an

(53:31):
eight plus rating with a Better Business Bureau. There's no
cost to speak to them. Insurance companies make their money
by denying and minimizing otherwise valid claims. The Law Office
of James Snell can help. They're not looking to try
to take every small mishap, but focus on real injuries
that deserve to be taken seriously. The Law Office of
James Snell. I'm Jim Snell. Contact me at Snell Law

(53:52):
dot com. That's three l's spell law dot com. The
Law Office of James Snell since two thousand and four
with off. This is in Lexington and Columbia.