The Troubleshooter 10-13-25

Episode Transcript

Speaker 1 (00:00):
Yea ripped off.

Speaker 2 (00:07):
Need So you don't have.

Speaker 3 (00:12):
Come running as fast as we can.

Speaker 4 (00:15):
Show Shooter's gonna help come Man Dix.

Speaker 5 (00:20):
Is the Troubleshooter Show. Now, Tom Martine, Hello.

Speaker 6 (00:25):
Tom Martino here, Welcome to the show, solving problems, answering questions,
taking complaints along with Major Mark Major back at the mothership.

Speaker 1 (00:36):
Mark, Who do we have?

Speaker 7 (00:38):
We have the great people of Integra Tom coming to
the stage today. We have John Junior, John Senior in
day from Integra Health Insurance and I'll tell you what
with open enrollment, what guys, John Junior two days away
right for Medicare.

Speaker 8 (00:55):
And Medicare aep annuine Roman period that's for Medicare advantage
plans and Part D prescription drug plans begins October fifteenth.

Speaker 7 (01:03):
Tom, it sneaks up every year, man, did you have
no reshop your stuff?

Speaker 1 (01:07):
Yeah, they do that automatically for me.

Speaker 6 (01:09):
And last year, oh my, okay, I don't know if
it was last year or not, but I'm going to
tell the story. I had to have a physical and
a questionnaire and they were on the phone with me.

Speaker 1 (01:21):
These guys got me a much lower rate and they
signed me up.

Speaker 6 (01:26):
And these people they put you through the ringer. I
don't know if you guys remember this, John, John and Day,
but you got me enrolled in a new.

Speaker 1 (01:36):
Plan that was much cheaper.

Speaker 6 (01:38):
It was a supplement, still staying with the gold standard.
And I felt so badly because they're asking me all
these questions and I was so healthy, and the guy
even commented, Wow, you don't see many, you know, seven
year olds as healthy. And then a year and a
half later, I get cancer, and I'm wondering if if
they fired the guy.

Speaker 1 (01:58):
That interviewed me. I don't know, you know, things like that.
I don't know.

Speaker 6 (02:03):
Anyway, Here's what I want to though, what I want
to say, Mark, we got to explain what open enrollment is.
I just got a text saying, why do you guys
talk about open enrollment? You know I've gotten insurance anytime
I needed it. What exactly, John Junior, explain the importance
of open enrollment.

Speaker 1 (02:21):
I don't think people get it.

Speaker 8 (02:23):
Well, let's clarify, like separate two enrollment periods this time
of the year, so you have the annual enrollment period, right,
and that's for Medicare, Medicare Advantage plans and Medicare Part
D prescription drug plan. So if you're on an advantage
plan or you have a Medicare Part D prescription drug
plan that goes with your supplement or alongside your supplement,
then this is the time of the year where you
can shop for and change those plans and you'll get

(02:45):
from the insurance, your plan, your carrier what's called an
a knock annual notice of change form or document, and
this tells you any changes to your prescription drug plan
or any changes to your advantage plan. That's the Medicare
annual Period's not wait wait wait.

Speaker 6 (03:02):
Wait, wait but wait, So it's an annual enrollment period.
So what happens if people do nothing.

Speaker 8 (03:09):
Well, if their plan is being renewed then or being
offered next year, then their plans renewed. If they're on
a prescription drug plan or advantage plan, that's that's being
offered next year, so their plan will be renewed. But
there may be I mean, there's plans out there that
are not being renewed. So it's really important to any
listeners who have an advantage plan or a prescription drug plan.
Premiums change potentially, especially on those prescription drug plans. Sometimes

(03:33):
a carrier in the advantage plan space will leave the
market in that area or in the state potentially, but
really rating areas is what we see. Or they're dropping
a certain plan, maybe a carrier is dropping, say a
PPO plan or whatever it might be in the advantage space.
And so you want to make sure that your plan
is being renewed if you like it and you want

(03:53):
to continue it.

Speaker 1 (03:53):
So will they notify you? Will they notify you if
it's not being renewed.

Speaker 8 (03:58):
Absolutely, And that's through your A not the annual notice
of change document that you get in the mill, and
it's everyone should have it by now.

Speaker 6 (04:04):
Okay, because I know you guys talk about this and
we all assume everybody knows what we're talking about. But
but so so basically, open enrollment is the time to
buy a plan.

Speaker 1 (04:16):
You can't do it.

Speaker 6 (04:17):
Let's just say you're renewed automatically on your plan.

Speaker 1 (04:21):
You are renewed.

Speaker 6 (04:22):
Let's say and you find out you don't like it,
and it's April or May can I change it?

Speaker 1 (04:29):
That's too late.

Speaker 8 (04:29):
If you're on Medicare, that's really too late at that point.
Unless there is a five star rated plan out there,
then you are allowed. You're you're allowed to change to
that one five star rated plan one time during the year,
or if there's another qualifying life event that you experienced,
but typically no, if you you move forward with that
advantage plan. Let's we'll talk Medicare advantage. Like, if you
move forward with that advantage plan, just you're you're automatically

(04:51):
renewed for January one, there is then an open So
this is this is where it gets a little.

Speaker 9 (04:57):
This the funny wording of things. So you have annual
ro period.

Speaker 8 (05:00):
That's now October fifteenth to December seventh. That's for that
January first effective date. If you get into an advantage
plan that you're not happy with, or your plans renewed
and you didn't pay attention to the anox there's things
that change that you wann't happy with, then you have
between January first and March thirty first, that's open enrollment
to change your advantage plan to a different plan if

(05:22):
you'd like to advantage plan. So now none of this
has anything to do with Medicare supplements. Keep in mind
to Medicare supplement you can change any time of the
year as long as you medically qualify. So if you're
on a CA care supplement. This doesn't This period has
no relation to you unless you want to switch to
Medicare advantage or if you also want to take care

(05:42):
of your prescription drug plan.

Speaker 1 (05:43):
So I have a better idea.

Speaker 6 (05:45):
If you are toward the end of the year, it's
time to examine health insurance, find out about deadlines, about
what you qualify for, what you don't qualify for, and
what changes you can make through integrainsurance dot com. You
know what, John, John Junior, And I'm serious about this,
and I don't mean to roll my eyes.

Speaker 1 (06:06):
It's hard to keep track of this crap. And will
it ever go back to normal where.

Speaker 6 (06:12):
You can buy and buy insurance anytime you want? Why
the enrollment period? Just real quick? Why the enrollment period?

Speaker 1 (06:19):
Yeah?

Speaker 8 (06:19):
Absolutely, And it's a good question, and we talk about
it every year, and I think it's important. It's especially
on the open enrollment side for individuals and families under
age sixty five.

Speaker 1 (06:29):
Right now, you have the Affordable Care Act.

Speaker 8 (06:31):
And it's it's when it was institute, it was requiring
everybody to purchase health insurance or to have health insurance
through the Affordable Charact unless you've got it through.

Speaker 1 (06:40):
An employer or something. Like that.

Speaker 8 (06:42):
So by creating an enrollment period, you're putting everybody through
at the same time, and you're not allowing people just
to get health insurance when they get.

Speaker 1 (06:49):
Sick and Okay, got it.

Speaker 8 (06:51):
You got a system, right, And so it's you're the
more people getting it for an entire year, the more
money and to be able to help pay for claims
things like that. I mean, there's there's multiple reasons in touching,
but that's the big one.

Speaker 6 (07:03):
All right, Mark, what does Cheryl have to say?

Speaker 7 (07:07):
Cheryl, Cheryl, Let's see what she's got cooking here? Hey, Cheryl,
what's going on with this landlord? Are you the landlord or.

Speaker 3 (07:13):
The tenant of a real estate issue? I hired a
solid rock reality and I feel incredibly.

Speaker 6 (07:24):
Hired him to hired him to do what Cheryl, Cheryl,
what did you hire him for?

Speaker 3 (07:30):
To handle and be the managers for my rentals?

Speaker 2 (07:38):
The property managers?

Speaker 3 (07:39):
I hired him as property management.

Speaker 1 (07:45):
So what's the problem.

Speaker 3 (07:46):
The problem is a couple different things. They went ahead
and did what they called make ready for my home
and it was completely rentable. I had a few issues,
but it wasn't any big deal for tenants. And they
went ahead and replaced window treatments, large window treatments, and

(08:13):
did some other things that they felt they had to
do to make it rentable. Well, you know, it had
rented before, It had no problems with things. They did
it without my permission. They would send them.

Speaker 6 (08:26):
Mark, don't you think, Mark, don't you think that it
was probably in her initial agreement?

Speaker 1 (08:30):
What do you bet?

Speaker 7 (08:31):
I would guess it is, And I'd love to see
that initial agreement. But it's still kind of odd they
didn't have this conversation. I mean, that's nutty.

Speaker 1 (08:38):
Now.

Speaker 7 (08:38):
How much money are we talking about?

Speaker 3 (08:40):
Stations? I was new in it, and they would send
these portal and they worded it as owner request. They
put it under this hetting of owner request. I never
requested it.

Speaker 7 (08:52):
Hey, Cheryl, let me ask you do you think they
were using like a contractor where they benefited? I mean,
you're kind of acting like they did this nefariously.

Speaker 1 (09:01):
But why Yep, they've.

Speaker 3 (09:04):
Been fed a lot because when I decided to go
and leave them, because I just couldn't trust them anymore.
Many other things, this was the big one. I said,
I can't trust this company.

Speaker 6 (09:17):
How much did they spend? How much did they spend
getting it rental.

Speaker 3 (09:21):
Ready fifteen hundred, and it was already super clinically fifteen hundred.

Speaker 7 (09:28):
I thought you were going to bust out with like
fifty thousand, I mean, fifteen hundred.

Speaker 1 (09:32):
That doesn't sound crazy.

Speaker 3 (09:34):
Well, yeah it is. Then I asked them.

Speaker 7 (09:38):
Now, hold on, you talked about blinds or window coverings.
How did they do all this for fifteen hundred?

Speaker 1 (09:45):
They yeah, that's what I want to know.

Speaker 3 (09:47):
That's not all of it. That's not all it. That's
what they put under make ready.

Speaker 2 (09:53):
But then I know it was okay?

Speaker 6 (09:57):
Was there a clause in this is what we want
to know. Was there a clause in the agreement they
gave them the authority? You said they did it without
your permission? Mark, I find that hard to believe. Can
you send us a.

Speaker 1 (10:08):
Copy of your management agreement? How long have you been
away from them?

Speaker 10 (10:12):
Now?

Speaker 2 (10:14):
A couple of weeks?

Speaker 1 (10:15):
So what are you calling about today? What exactly can
we do for you?

Speaker 3 (10:19):
They actually were able to extract in the end about
twenty seven hundred.

Speaker 6 (10:26):
All right, But the twenty seven hundred they extracted, did
they have a withdrawal authority on your account?

Speaker 11 (10:34):
No?

Speaker 3 (10:34):
They waited until they got rent rent on one of
my other home, not the home they will do.

Speaker 7 (10:40):
You have that agreement, you can send over in a
PDF so I can iball it.

Speaker 1 (10:45):
Sure, Yes, we'll have you. We're not going to give
you legal advice.

Speaker 6 (10:49):
What we'll do is review it and give it to
one of our attorneys. But here's the bottom line, Cheryl,
here's the bottom line. When you sign a management agreement.
Sometimes you know I have management agreements. I'm doing the
VESTERAA turnkey, and I have the management company on a
management company for each of the houses, and they have
a certain amount of authority up to a certain amount,

(11:12):
and then over that they have to get my approval.

Speaker 1 (11:15):
Yours might read something like that.

Speaker 7 (11:18):
Yeah, and if you send it over to us, we
can breeze through it and get an attorney on. But
I mean, really get it to us over this break.
We'll keep you holding and anybody else out there. You've
been ripped off. You've got a landlord or tenant problem.
Three oh three, Martino, let's take a quick break.

Speaker 1 (11:38):
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Speaker 1 (13:02):
I'm sorry eight six two five five five four.

Speaker 6 (13:05):
Okay, So let's talk about this in general. I have
done a lot of rentals in my time, and the
only reason I'm in Reynolds now is because the vest
Tarra turnkey helping me, and I did some with partners.
And the thing is management, almost always Mark, Management almost
always has to have certain leeway.

Speaker 1 (13:26):
They can't call you about everything.

Speaker 6 (13:28):
And getting something ready for rental is different than normal maintenance.
And so if you get that, let me know when
you get it, Mark, so we can eyeball that.

Speaker 1 (13:38):
I'll do it. We got Roberta up.

Speaker 7 (13:40):
I don't know what she's gonna ask, but uh, harassment.

Speaker 1 (13:44):
Okay, what's going on? Roberta?

Speaker 11 (13:47):
Yeah, Hi Tom, we've been with your hits the eighties.

Speaker 1 (13:50):
I think, well, thank.

Speaker 2 (13:51):
You, we really love you.

Speaker 11 (13:52):
So yeah, oh yes, slease, you're our go to persons.
The first time we beara calls the problem.

Speaker 1 (13:58):
Oh I hope now you put pressure honest, go ahead.

Speaker 11 (14:02):
Well, it's probably is not as unique as maybe it sounds,
but we I'm eighty husbands eighty five, we are being
harassed by our neighbor on over computer and over phone intrusion.
I don't know if they're controlling it remotely, however, they're
they're doing this. But you know, you can protect yourself

(14:24):
from the world with antivirus and all that, but you
can't protect yourself from neighbors who are close enough for
Wi Fi.

Speaker 1 (14:31):
Robert ROBERTA, let me ask you this though. Are you
alleging or.

Speaker 6 (14:36):
Effecting that they're tapping into your WiFi?

Speaker 11 (14:41):
Oh? Oh yes, and I actually I'm thinking, I actually
think because we keep our Wi Fi off a lot,
but when we have it on, maybe otherwise they have
You know, Amazon selles WiFi boosters and blue shoes.

Speaker 6 (14:56):
Mark tell her how easy it is to keep people
from out. You don't, unders, say, Roberta, it's easy to
keep people out of your WiFi.

Speaker 1 (15:03):
It's easy.

Speaker 12 (15:04):
Yeah.

Speaker 7 (15:05):
What do you think they're doing? I guess I don't
understand that they're just hopping on.

Speaker 1 (15:08):
To do what.

Speaker 7 (15:11):
To get on the internet, right, or are you saying
they're hopping on to actually look at your devices?

Speaker 11 (15:16):
They're getting into the computer and they're getting into the phone.

Speaker 1 (15:20):
And why do you think, no, they're not. Why do
you think it's through your WiFi?

Speaker 11 (15:26):
Well Wi Fi and or Bluetooth? Or the thing is
it could be their own WiFi with a booster? Is
is they're so close to the.

Speaker 1 (15:34):
What do you think they're doing this for? What?

Speaker 7 (15:36):
What is on your computer or phone? To Why someone
would want to hack into you?

Speaker 11 (15:40):
Why harassment? That it all starts with the ho a,
It all starts with uh problems.

Speaker 1 (15:48):
Wow, I said something, Roberta. Roberta, listen, May I tell
you some seriously? Now?

Speaker 6 (15:55):
You called me, You said you've been with us a
long time and you trust us. Here's what I want
to say, truly, Roberta. They're not getting into your Bluetooth. Okay,
that has to be initiated with both units. So you
can't do it one way unless a pre existing connection
was made and it never was. Number Two, their Wi
Fi can't get into your system because it's their WiFi

(16:18):
in order to tap into your WiFi. Even if they
did get into your WiFi, they can't necessarily get into
every single device and definitely not cell phones. Cell phones
are some of the most secure items we have. I
suspect now you listen to me carefully. I suspect there's
a little paranoia on your part and a little suspicion

(16:41):
that's not accurate. But I do think maybe. I mean,
you give me the number one evidence. What's the number
one piece of evidence that they were in your system?

Speaker 11 (16:55):
Oh?

Speaker 1 (16:55):
Wow, No, I just want one. I just want one
piece piece of evidence, one piece of evidence.

Speaker 11 (17:03):
Their mo is to leave one little thing behind and
erase everything else.

Speaker 1 (17:09):
So like what I want one thing. I'm asking for
one thing. Go ahead.

Speaker 11 (17:15):
I'm telling you on the computer that there is a
folder for the old computer's information was all put in
that one folder. It's been there firm. Oh, I don't know,
thirteen years in that one folder, and.

Speaker 13 (17:29):
I don't go to it very often.

Speaker 11 (17:30):
But I went to it and the entire folder, which
was four gigabytes, was missing except for one item. One
item was left, which is the IMO when he does
discuss through other things, leaves one behind. So it's like,
just so you know that it wasn't a mistake, here
is one little item and still in that fold of
the four gigabytes gone.

Speaker 6 (17:53):
Okay, ROBERTA, let me okay, you can tell in minute
who's on your WiFi at any time, and you can
code it so encrypt it so no one can ever
get on there except you.

Speaker 1 (18:10):
And what you need is a visit. What part of
town are you in?

Speaker 11 (18:15):
We're up north, like.

Speaker 6 (18:19):
I'm not asking for your address. Oh you're in four cons.
I don't know how we're going to do it, but
I would love to get someone to help you, because Roberta, listen,
I don't want you to think I'm poohooing this, but
the chances of them getting into your computer, onto your desktop,
even if they get into your WiFi, does not give

(18:39):
them access to your computer, not unless they're professional hackers
and know how to do it. And I look at ROBERTA.
I don't think they're getting into your computer.

Speaker 1 (18:51):
I think, but however, we can verify it pretty easily.
What is your WiFi? What kind of Wi Fi do
you have?

Speaker 11 (19:00):
We've got the Nighthawk with the armor.

Speaker 1 (19:05):
Okay, who provide your WiFi?

Speaker 11 (19:11):
Well, it's our own.

Speaker 1 (19:13):
Who do you pay for your Wi Fi? Dear? Who
do you pay for your WiFi?

Speaker 13 (19:17):
Oh?

Speaker 11 (19:18):
Okay, TS? TDS?

Speaker 1 (19:21):
And what is that your cable provider? Who is that?

Speaker 11 (19:24):
Yes, yes, cable provider.

Speaker 6 (19:28):
They would be happy to come out and encrypt your
home network.

Speaker 1 (19:31):
They would do that for you.

Speaker 7 (19:32):
Sounds like she already does that though I know it.
I Hey, she mentioned you mentioned something about the ho
A And I'm not trying to go down a rabbit hole.

Speaker 1 (19:42):
But why is he what you are?

Speaker 2 (19:46):
What you are?

Speaker 11 (19:48):
Yes, well, this is just the usual wanting permission on
the design of a house in the Hoa wash saying
it didn't sit in with the rest of the neighborhood.
YadA y'all, and these changes had to be made, YadA, YadA.

Speaker 1 (20:02):
And uh that this is your request or your neighbor's request?

Speaker 6 (20:07):
Whose request? Was your neighbor requesting something or you?

Speaker 1 (20:10):
Yeah?

Speaker 11 (20:11):
Yeah, my husband was on was on the hoa.

Speaker 6 (20:14):
Okay, So do you think the neighbor has a grudge
against you for turning down his plans?

Speaker 11 (20:21):
Absolutely? We first had her at we first had damages
on the property like a pick axe taken to the
sidewalk and concrete eating tablet things.

Speaker 1 (20:33):
Uh, it just.

Speaker 7 (20:34):
Sounds no offense to her. But this sounds a little delusional. No,
it really does. Roberta.

Speaker 6 (20:40):
Roberta, I think you might be I think you honest
to God, I think you might be a little paranoid
on this, you would be surprised how little of that.

Speaker 1 (20:50):
I mean, as far.

Speaker 6 (20:50):
As I'm not talking about the pick axe and the
damage to property, that could very well happen, but the
idea of them getting into your digital devices that it's
not easy. Trust me. I mean we're talking about next
level hackey.

Speaker 1 (21:04):
Yeah.

Speaker 7 (21:05):
But I've also had neighbors all over the place for
what forty years? We've had neighbors fifty years, including living
in my parents, and I never had anybody come over
with a pickaxe. So I mean even that within itself,
did you actually see him swinging a pickaxe? Or you're
thinking they came over with a pickaxe.

Speaker 11 (21:26):
Okay, the pickaxe, the pieces that were thrown in the
grass were found. We call the police and put in
the report. We put in a second report onother damage.
I won to't go into it, but dammages.

Speaker 13 (21:38):
And then we are all right.

Speaker 1 (21:39):
Does your husband does your husband? Does your husband have
the same suspicions?

Speaker 14 (21:46):
Yes?

Speaker 6 (21:47):
Yeah, I sent Mark one time to someone's home. Oh lord,
a husband and wife. No brother and sister. Oh they
were brother and sister.

Speaker 7 (21:56):
They were brother and sister. And I've never in my
life witnessed shared by two people. It was quite remarkable. Honestly.

Speaker 6 (22:04):
Now, Roberta, you're you're I hope you don't go away thinking, oh,
they think I'm crazy. No, that's not it. Here's what
we're saying. The chances of them getting into your WiFi
and the payoff for them is not there. You don't
have anything, I mean, no money was taking, nothing's done.
And you say part of that folder was missing. Listen,

(22:25):
that can happen. That can happen by a thousand different ways.

Speaker 1 (22:30):
I want to know more than.

Speaker 11 (22:33):
More than what glad to show. You, show you all
the proof, including I take screen grabs of ftter's going on,
and I can be more than happy. Just Roberta, I'm
all I'm asking for you from you? Tom is who
can I go to to help us? The police say,
unless we're missing money or unless we're missing.

Speaker 1 (22:54):
Roberta, They're correct, there's no one to go to because,
first of all, you got a verify that they're Ererta.

Speaker 6 (23:02):
The fact you have a missing files does not prove anything.
You have to show that they are getting into your WiFi.
Do you have a password for your WiFi? Oh of course,
but how do you think how do you think these neighbors,
how do you think these neighbors know?

Speaker 1 (23:20):
I'm going to keep you on track here.

Speaker 6 (23:22):
How do you think exactly how did these neighbors get
your password?

Speaker 11 (23:30):
If if they got remote control of the computer, if
they are in the you know you fact that you.

Speaker 1 (23:36):
Roberta, Roberta, Roberta, you don't understand what you're saying. You're
in your eighties.

Speaker 6 (23:42):
God love you, as my mom would say, but you
don't have a clue of what you're saying. These people,
you said remote control of your computer. First, they would
have to get remote control of your computer.

Speaker 1 (23:53):
And then how would they do that?

Speaker 6 (23:55):
How would they get remote control of your computer without
having your WiFi password. I'm not going to spend too
much time on this, but I want to ask you
how would they get remote control off your computer?

Speaker 11 (24:06):
Well, when they were going be floor for approval, they
were sending.

Speaker 1 (24:11):
Me how would they get remote control of your computer?

Speaker 2 (24:15):
To a virus?

Speaker 11 (24:16):
To an email?

Speaker 6 (24:18):
Okay, so they sent you an email with an attachment
that had a virus on it.

Speaker 11 (24:25):
Could be you're asking me how would they I'm not
an expert on it. All I know Roberta lit that
has happened.

Speaker 1 (24:32):
You didn't you you haven't.

Speaker 6 (24:34):
You haven't given me one that convinces me they got
into your computer. You said some files were missing. That
happens all the time.

Speaker 1 (24:41):
So so here's the reason people aren't helping you, Roberta.

Speaker 6 (24:46):
You called me for help, and I am telling you.
The thing we can do is scan your computer for viruses.

Speaker 1 (24:52):
We can get somebody up there.

Speaker 6 (24:53):
I'm wondering if Charlie Dunham would go up and and
and do that.

Speaker 1 (24:57):
He used to be a good, great, a great PC
guy for me.

Speaker 6 (25:00):
I don't know if I still have his number, but
you might have to pay, well, not Mike, you have
to pay him. He's in business. People aren't going to
do this free. You understand this, right, Roberta. Charlie Dunham,
if he went up there, he could do this for
you and scan your computer and scan your Wi Fi
and encrypt your WiFi where you'd never have another problem again. Okay,

(25:21):
that's truly what he would do for you. But okay,
and I do hold on. I have his number. I
have his number. Okay, you tell him Tom Martino told
you to call you, ready, Okay, seven to zero.

Speaker 1 (25:38):
Six, four to one.

Speaker 6 (25:41):
Zero seven, zero eight zero seven zero eight. His name
is Charlie Dunham, Colorado Computers. He's a great guy. You
tell him Tom told you to call. You want to
secure your WiFi and you want to make sure there
are no viruses on your computer. Once he gets done,
you can have full confidence in what you're You know,

(26:04):
whether or not you're right.

Speaker 1 (26:05):
It doesn't matter.

Speaker 6 (26:06):
It'll keep everybody out and it'll keep your computer pure.
We have more coming up on the Troubleshooter Show. Go
with a sure Thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for

(26:27):
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martino, you're

(26:52):
a troubleshooter. Tell me about the poll mark what you
put a pull up for our YouTube morons?

Speaker 7 (26:58):
I did and it's nothing. Once again, I'm we want
to help Roberta. I also put the word out if
someone is up in the Fort Collins area, someone we
can trust, someone we know, either from YouTube or somewhere,
that could go over there and see if there's anything
the Fairy as possible.

Speaker 1 (27:13):
That would be awesome.

Speaker 6 (27:14):
But Charlie Dunham, I mean, he won't charge that much
and he's a professionally.

Speaker 7 (27:18):
Doesn't think that's gonna I don't think that's going to
ease your mind. She already has security installed on that
Nighthawk router. I mean unless if you know, I don't know,
what can I say? You can go look and see
who's logged into your Wi Fi pretty easily. If you've
had a log into your router. There's three years.

Speaker 6 (27:38):
Over the years, we have had people who believe they're
being it all this listen, I'm not.

Speaker 1 (27:44):
Making fun of people, but the mental.

Speaker 6 (27:46):
Illness starts out with a feeling of being invaded and
spied on, and and invasive thuss stuff like implants in
the brain or under the skin, or we have people
being spied on by helicopters or UFOs or certain devices
put on their home or on their power lines, and

(28:08):
it always starts out that way, and it usually starts
from an event where they feel like uh oh, and
it's usually an emotional event, some kind of anxiety event,
something in their lives that triggers this. Now in addition
to triggering paranoia, some people react a different way and
it triggers more of a chronic fatigue syndrome, they call it.

(28:32):
And you'd start talking to them, and you can always
find out an event. So instead of asking what is
wrong with you, you ask what happened to you? Because people
always when there's an emotional event react in certain ways.
Some people sleff it off, some people internalize it and
can't get past it. Mark, how many times have we

(28:54):
had people on this show that have spent.

Speaker 1 (28:56):
Years and years and years of.

Speaker 6 (28:58):
Their lives trying to get back at a neighbor. I mean,
you know, just their entire lives surround a certain event
or a certain slight, or a certain conflict, and this
conflict takes center part of their lives. By the way, Jerry,
she's calling our issues. She yeah, calling about a scam? Jerry,

(29:18):
what's going on?

Speaker 11 (29:21):
So?

Speaker 2 (29:21):
Anyway, I applied for this Jerry with a linked in yea.
So they called me. Well, they didn't tell me. They
contacted me on teams. Yes, wells push to email me.
Then they contacted me on teams and they said he's

(29:42):
doing the interview on teams. I did the interview. I
got the job and it was for a graphic design
job for a medical therapeutics company in San Francisco.

Speaker 1 (29:57):
The company.

Speaker 2 (30:01):
Marah Therapeutics.

Speaker 1 (30:04):
How do you spell that.

Speaker 2 (30:06):
Am E R EA.

Speaker 1 (30:12):
Marion Therapeutics. Okay, so what gives you an eye? Why
do you think it's a scam?

Speaker 2 (30:19):
Because they wanted me to buy this equipment?

Speaker 1 (30:22):
Okay, Ah, there we go, there we go these job offers,
I always ask what do they want from you? How
much was this equipment?

Speaker 2 (30:32):
Well, they sent me a check for fourteen dollars that
they wanted me to buy three gift cards for fifteen dollars.

Speaker 6 (30:41):
It's a scam. It's an absolute scam. And and by
the way, just so you know, I mean, it's an
absolute scam. But we can't well, there's nothing we can
do about it because no one will do anything about it.
They they come and go like bubbles in boiling water.
I mean, there's nothing we can do about it. If
they get you for any money. I'm hoping you did

(31:02):
not play.

Speaker 2 (31:04):
Yes, six thousand dollars.

Speaker 1 (31:06):
Oh my god. So you did buy the gift cards
and all that.

Speaker 2 (31:11):
Well, they sent me the check. Am I deposited a
check in my bank.

Speaker 1 (31:16):
Yeah, but it turned out to be a bad check.

Speaker 2 (31:19):
Well, the check cleared, which was weird.

Speaker 6 (31:22):
No, it did not clear. See this is the problem
people have. The checks do not clear. The checks take
weeks and weeks to clear. What they give you is
what is called provisional credit.

Speaker 1 (31:37):
That means that they let you use that money.

Speaker 6 (31:41):
As if it is a good check, but they reserve
the right to withdraw the money if down the chain
it turns out not to be.

Speaker 1 (31:48):
It is called provisional credit.

Speaker 6 (31:51):
Now, this law was passed years ago by consumer advocates
who believed that banks were unfairly holding funds. So the
government made a rule that they had to give provisional
credit within three to five days.

Speaker 1 (32:07):
So it did not clear. That was your mistake thinking
it cleared.

Speaker 6 (32:11):
So when this fourteen hundred dollars check, when you were
given access.

Speaker 1 (32:15):
To it, what did you buy dollars? How many? Forty
seven hundred? Yeah, what did you buy with this forty
seven hundred dollars. Check how many gift cards?

Speaker 2 (32:26):
So they told me, well, it's gonna you know, we
need to get this equipment really quick. It's right too
long to uh, and you can't. They want me to
electronically depositiveness other account.

Speaker 1 (32:39):
But I was enabled to.

Speaker 7 (32:40):
Hey on the let me ask you something on the
original email. Can you forward that to me where they
wanted you to join a team's meeting? The original email
they sent you. And the reason I'm asking this, I
don't think you're actually dealing with mari A Therapeutics. I
think they're a valid company. They would never have you
do this. I think they made you believe they're associated

(33:02):
with that company because this company looks about This company
looks you know, normal, don't. They don't ask for people
to buy equipment. They simply don't. So I think you
got bamboozl brother.

Speaker 1 (33:15):
Well, of course he did, now as soon as he said,
as soon as he said gift cards.

Speaker 7 (33:20):
Yeah, but I'm saying, I don't think it's the company.
He thinks it ripped them off.

Speaker 6 (33:24):
Oh no, it's probably not. It's somebody posing at that.

Speaker 1 (33:26):
How many gift cards did you buy?

Speaker 2 (33:31):
I bought three gift cards for five hundred dollars.

Speaker 6 (33:35):
Well that's only fifteen hundred. You said you deposited forty
seven hundred.

Speaker 2 (33:39):
Yeah, so what I did with the forty seven hundred?
They told me, Well, it's going to take too long
and we want you to get the equipment.

Speaker 7 (33:46):
All right, Hold on, Tom, we've got a break just
because of the time. Hold turn there. We'll come back
to you in just second.

Speaker 6 (33:56):
Go with a sure thing Denver's Best roofer Excel Roofing.
You don't pay a cent until you're content. Time for
an insurance checkup free, no obligation comparison call Compass Insurance
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find out now three oh three seven to seven to
one help. You'll think you're his only customer when you

(34:18):
choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom Martino here three
O three seven one three A two five five. So Jerry,
I'm going to give you.

Speaker 1 (34:38):
I'm going to give you the bad news, and that
is you're probably not going to get your money back
from anybody.

Speaker 6 (34:44):
These gift card scams. That's why they use gift cards.
They're totally untraceable.

Speaker 7 (34:49):
How'd you pay, by the way, with her credit card?

Speaker 6 (34:51):
I assume now the credit How did you buy the no?
He deposited that check. How'd you buy the gift cards?

Speaker 2 (35:00):
I bought the no because the check I used to
buy money. Orders to uh because they tell me it's
going to take too long to UH answer the check
to the vendors.

Speaker 7 (35:11):
Hold on you that music's coming, Jerry.

Speaker 6 (35:14):
I really need you to home. Hang on so we
can tell people about this. If you would be so
kind please, because this is so important.

Speaker 1 (35:22):
You sound like a smart guy. You fell for this thing.

Speaker 6 (35:26):
I want to give people the earmarks of this so they.

Speaker 1 (35:29):
Don't fall for it.

Speaker 6 (35:30):
Coming up on the Troubleshooter Show, we got more after this.
Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation. In comparison,
call Compass insurance paying too much your coverage at dozens

(35:52):
of insurance companies find out now three oh three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real Estate dot Com
to list your home with Remax Alliance.

Speaker 1 (36:03):
Three oh three nine two zero sixteen twenty two. Ripped
News need advice you don't have.

Speaker 3 (36:18):
You'll come run in just as as as we can.

Speaker 4 (36:22):
Show Shooter's gonna help come MANX is the Troubleshooter show.

Speaker 1 (36:28):
No Tom Martine. Hello, I am Tom Martino.

Speaker 6 (36:33):
Along with Mark Major, frankdurandereal estate Man dot com.

Speaker 1 (36:37):
If you want to know what your house will sell
for in this.

Speaker 6 (36:39):
Market, he's the guy to turn to, no cost, no obligation.
He'll do a complete analysis of your property. Mark and
I have both used him in several real estate transactions.
We can't recommend anyone better. There is no one better.
Frank durand the real Estate Man dot Com get your
valuation of your property in this weird market to see
what it will sell for. Three h three nine two

(37:01):
zero sixteen twenty two. So today we started out with
two things that are frustrating as hell. One woman believes
she was spied on with her WiFi and neighbors getting
into her computer. And you know we will we will
have somebody look at her stuff. But the chances of

(37:23):
that are next to nothing. They're in their eighties, they're
a couple. They're a little paranoid about the neighbor because
the neighbor got something turned down by covenants and they
believed and they believe that the neighbors holding them responsible
and is hacking into her computer. Although no harm was done.
Police won't take it. Most people won't take cases like that.

(37:45):
It's just frustrating. Then, Jerry, poor Jerry, who responded to
a job add on LinkedIn.

Speaker 1 (37:50):
He was interviewed on teams.

Speaker 6 (37:52):
He got the job, he said, but they wanted him
to buy equipment.

Speaker 1 (37:56):
Can you continue that story?

Speaker 6 (37:58):
So we're not constrained so much by time as we
were before. So, Jerry, when they said you had the job,
what kind of equipment? And by the way, it's always
the red flag people when you have to buy equipment
or pay to work. So what kind of equipment did
they say you needed to buy? Jerry?

Speaker 2 (38:17):
An Apple computer, laser printer and oh okay, professional digital camera.

Speaker 6 (38:27):
Okay, And they said to buy this equipment. Tell the story. Now,
they sent you a check for forty seven hundred bucks
and continue your story.

Speaker 2 (38:38):
I deposited the check and then they said, well, it's
going to take too long. We want you to take
the money from the check and make money orders and
send them to this address in Louisiana. So I did.
I went to the post office. They told me go
to the post office, and they had certain amounts of
money orders want eight and anyway. They totaled about forty

(39:03):
six dollars.

Speaker 6 (39:05):
And then what did they want you to do with
the What did they want you to do with the
money orders?

Speaker 1 (39:09):
What did they want you to do with the money orders?

Speaker 2 (39:12):
They wanted me to take them to UPS, put them
in an envelope and overnight them to this address in Louisiana.

Speaker 1 (39:20):
Who were they made out to?

Speaker 2 (39:23):
I have just a second, I have the name.

Speaker 7 (39:25):
I mean like people are a company or what? And
how old are you?

Speaker 1 (39:30):
Okay, first, first, I want to first, I just.

Speaker 6 (39:32):
Want to get to the end of the story. We'll
fill into details like real quick here. Okay, so did
you send those those money orders to UPS?

Speaker 12 (39:42):
Yes?

Speaker 2 (39:43):
But I kept the receipts And then what.

Speaker 1 (39:45):
Was after that?

Speaker 6 (39:46):
What did you have to do after that? That's about
forty six hundred. Where did the gift cards come in?

Speaker 2 (39:51):
Like? Okay, well, the digital camera is going to be
more than we anticipated, so we're going to need h
an extra fifteen dollars. So then they told me to
go and get the credit do the credit cards, the
gift cards, the gift cards, Jeb.

Speaker 6 (40:13):
And then so you did that as well? Yes, okay, okay,
So discover it was a scam.

Speaker 2 (40:25):
Because I called the company and I couldn't get a
hold of anybody. But the lady who's supposedly her name
is Charmie Turner. She is their actual she is their
actual HR director. And so whoever is doing this, they
have her face on the zoom and everything, so it
looks like I'm actually talking to her, but I'm not.

Speaker 6 (40:48):
Wow, holy crap. Hey, listen, Deputy bo, is there is
any mark he is? I want him to call all
the contacts that Jerry talked to and and get to
the bottom of this.

Speaker 1 (41:01):
Jerry, you do know? So when did you find out
the check was bad?

Speaker 2 (41:09):
Two days later when my account was overdrawns Yeah?

Speaker 1 (41:18):
And and do you call the police or did you
call authorities?

Speaker 2 (41:23):
I haven't called anybody yet.

Speaker 1 (41:25):
Yeah, here's the deal.

Speaker 2 (41:27):
Called the bank?

Speaker 1 (41:29):
Did the bank can't do anything because you converted it
to money orders. See that's why they had you do that.

Speaker 6 (41:37):
So Jerry, Jerry, what does this represent a lot of
money to you?

Speaker 2 (41:45):
It does?

Speaker 1 (41:48):
What kind of work were you supposed to be doing?

Speaker 6 (41:50):
What kind of a job. What kind of a job
were you supposed.

Speaker 1 (41:54):
To be doing?

Speaker 2 (41:56):
Graphic design?

Speaker 6 (41:58):
Okay, so you know how to do graphic design? I
take it. Yes, Listen, Jerry, these job scams are all
over the place. And in fact, Jerry most I'm going
to tell you this, and Kaschina can tell you this
too from experience from people. She knows it just so happens, Kachina,

(42:24):
would you say, I don't know if she's listening, can
get to the mic. Would you say, the vast majority
of all job offers are scams?

Speaker 1 (42:33):
Very much so.

Speaker 15 (42:34):
And then there's also something called ghost jobs, which companies
do on purpose to try to make their employees believe
and encourage that they're doing very very well, and to
try to get more productivity out of them.

Speaker 6 (42:50):
So Mark mark this uh, this idea of him converting it,
that's where he'll never get the money back.

Speaker 1 (42:58):
He took a totally away from the bank when he
did the money orders. It's done.

Speaker 7 (43:04):
Yeah, I can't imagine the.

Speaker 2 (43:05):
Money orders since I have their receipts. Money orders are
like just to the post office.

Speaker 6 (43:12):
Certain money orders are like cash unless they were lost
or stolen. But see what, here's what they're gonna do.
They're gonna see if they were cashed. You know that
is a good idea. That not a good idea, but
a good thought.

Speaker 1 (43:25):
Are money orders? What are money orders for? I mean,
what if he did lose him? What if he what
if he claimed he lost those money?

Speaker 7 (43:31):
As long as you're not cashed, I mean, of course
you're going to be kick even if they are cash.

Speaker 1 (43:35):
I mean, what is It's a really good question because
we talk about money orders. I'm not used. I don't
think I've used the money order. God almighty, I can't
even think of how long? How Mark? When was the
last time he used the money order? Yeah, that's what
I cook.

Speaker 7 (43:51):
But as far as I mean, if I don't know
if he's they're ever going to get anything from the money.

Speaker 16 (43:57):
Order, especially if it's been processed and cashed.

Speaker 2 (44:02):
As I talked to somebody at the postal flaud thing,
and they said, if I could prove that somebody else
cashed the money order, then the other person than the
person was made out to. I might be able to
get back some money.

Speaker 16 (44:16):
I don't know's there is a little more protection with
the US postal.

Speaker 7 (44:21):
Money order as compared to a bank money order.

Speaker 1 (44:27):
Well call it Jerry and help you out a little bit.

Speaker 6 (44:30):
Yeah, but what do you think, bo, what do you
think is gonna happen? I mean, truly, if money orders
are like cash, why do people buy money orders? I
mean truly, why do they buy money orders?

Speaker 16 (44:39):
I really if they don't have a check in account
of a lot of people go in and buy money orders
and pay the utility.

Speaker 7 (44:45):
Bills and only the person or the company on they're supposed.

Speaker 1 (44:49):
To cash him true on the pay of the order. Yeah,
pay to the order. But that's easy.

Speaker 6 (44:54):
So if he sent the money order, even to a scammer,
and the scammer signed it and cashed it.

Speaker 1 (45:00):
He won't get his money back a money order.

Speaker 6 (45:03):
I look this up on the money order thing on
the Western Units. It's once it's cashed, the funds are
absolutely gone. If it's not been cashed, you can cancel
it and request a refund for Okay, So I tried
to do that.

Speaker 1 (45:21):
How long ago was this man? How long ago?

Speaker 2 (45:25):
Oh? Three days ago?

Speaker 1 (45:29):
You sent it? Three days ago.

Speaker 6 (45:30):
You should call and say that, you know, tell them
what's going on and see if they can stop payment.

Speaker 16 (45:38):
Absolutely, you might have a chance.

Speaker 1 (45:39):
I'd call right now to the post office. Yeah, help
him out.

Speaker 13 (45:43):
Bo.

Speaker 1 (45:43):
Let's let's do that.

Speaker 6 (45:45):
You know, there might be a chance, Jerry, you can
stop payment on those money orders. Now, that's not going
to help you with the gift cards. The gift cards
are absolutely gone. Three oh three seven one three talks
seven one three eight two five five. All right, So
somebody he texted us about open enrollment, and again, all
I'm going to say is this toward the end of

(46:05):
every year's open enrollment, whether you have Medicare or regular
health insurance.

Speaker 1 (46:10):
And to make it easy, you need someone to help you.

Speaker 6 (46:13):
And by getting an expert like Integer Insurance, it costs
you not a dime more, not a dime more.

Speaker 1 (46:20):
You don't save any money going.

Speaker 6 (46:21):
Direct, and these guys can direct you to the best
plan for you.

Speaker 1 (46:25):
Somebody wants to know, and I think.

Speaker 6 (46:28):
They're talking about when I talked about me. They want
to know about the different levels of supplements and does
it pay to get a really good supplement expensive supplement
or what do supplements cover? We're going to talk about
that coming up. A lot of people do not understand supplements,

(46:49):
and some of them get Medicare advantage. When should someone
get Medicare advantage? When should someone keep Part A and
Part being simply by a supplement. We'll talk about that
and more and regular health insurance right after this. Go
with a sure thing Denver's Best roofer Excel Roofing dot com.

(47:11):
You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens of
insurance companies find out now three oh three seven seven
to one help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com

(47:32):
to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hi Tom Martino, your
troubleshooter three O three seven one three talks seven one three.

Speaker 1 (47:50):
A two five five.

Speaker 6 (47:52):
I'm telling you today is a day for scams. I'm
also getting techs questions on similar scams where people paid
for with gift cards.

Speaker 1 (48:01):
I would say Mark, it's a safe.

Speaker 6 (48:04):
Thing to say if anyone wants payment in gift cards.
It's a scam. I think we can safely say that.
I think I feel very comfortable.

Speaker 1 (48:15):
Saying affirmatively absolutely now on health insurance and supplements, I
want to make this easy.

Speaker 6 (48:25):
Part A and part just for people. Let's just talk
about it. Part A and Part B. Whenever you hear
that those are two parts of medicare given to everyone
when they turn the age of eligibility, isn't isn't that true?
Or can you actually turn down Part A or Part B?

Speaker 1 (48:47):
Well?

Speaker 8 (48:47):
I mean certainly you could turn it down now. Part
A for most people is free. Part B comes with
a monthly premium. So Part A is hospitalization, Part B
is your outpatient care.

Speaker 6 (49:00):
Now, my brother, my brother wanted more money in his check,
so he chose not to take Part B.

Speaker 1 (49:07):
He has since deceased. But let me just tell you something.

Speaker 6 (49:10):
Not having Part B turned out to be a very
expensive mistake, and when he went years later to try
to get it, they make it cost prohibitive with penalties.
So it's safe to say that you take Part B upfront,
and if you don't, you'll never be able to get
it never isn't Isn't that accurate?

Speaker 9 (49:32):
Not never, I mean, but yes, you're right, there's there's penalties.

Speaker 6 (49:34):
Okay, you will be able to get it, but it
will cost you more than paying the medical bills. Correct,
And it's actually cheaper to pay the medical bills than
what they charge you in penalties and premiums. So my
advice is this, take Part A and Part B from
the beginning. Don't opt out of Part B in order

(49:55):
to get more money in your check. It will come
back to haunt you later in life. Part A is hospitalization,
Part B is outpatient care. Now without a supplement, if
you had to render a guess what would I be
looking at paying with my battle over my cancer battle

(50:16):
over the past year if I did not have a
supplement and I just had Part A and Part B.
I had a question saying, Tom, why can't people just
have Part A and Part B? The answer is they can,
But what are they subject to if they only had
a Part A and a Part B.

Speaker 8 (50:33):
Sure, So there's a benefit structure to each Part A
and Part B, and under medicare part B. For example,
you have a deductible this year that's two hundred and
fifty seven dollars, and then at that deductible you're responsible
for twenty percent, and there's no max out of pocket
on that twenty percent for the year, so it's just
twenty percent of whatever your Part B costs are. On

(50:55):
the other side of Medicare Part A, if you were
to hit more than one hundred and fifty days in
the spit a lifetime. As far as being admitted into
the hospital more than one hundred and fifty days, Medicare
pays nothing from day one to fifty one to more.
And I know most people are not going to do
that or be in the hospital that many days, but one,
you know, one event where you're in a coma, that's

(51:15):
less than half a year. So there are gaps in
Medicare original Medicare, and that's why supplements are also called
metagap plans. You hear that terminology, Okay, to fill in
those gaps.

Speaker 1 (51:26):
Okay, here's what I want to say. I calculated what
I would have had to pay this year because everything
happened this year, what I would have had to do
without a supplement. Anybody want to.

Speaker 6 (51:40):
Render a guess mark, You want to render a guess
what I personally would have been out of pocket with
one point eight No me personally, my my my portion
would have been three hundred twelve thousand dollars.

Speaker 1 (51:54):
Oh my goodness portion if what.

Speaker 6 (51:57):
If I did not have a supplement, if I just
if I just depended on Part A and Part B,
I would be out of pocket three hundred twelve thousand dollars. Now,
ask me what I paid this past year for my
cancer care. Zippo, zilch, nada, okay, zero. I don't know

(52:26):
how that happened.

Speaker 1 (52:26):
In fact, I got billed one time for imaging. My
part was twenty bucks.

Speaker 6 (52:32):
I sent it in and it was sent back to
me because they said, we got your supplement payment.

Speaker 1 (52:39):
So, guys, I know this is hard to believe, but
I believe I am paying one hundred eighty dollars a
month for that supplement. One hundred and eighty a month.

Speaker 6 (52:50):
So on top of my Part A and Part B,
I pay one hundred and eighty bucks a month. And
you guys got me the best coverage there is. Why
wouldn't everyone get I mean, it's cheaper than any kind
of health insurance you could get when you're younger. Do
you find people balking at supplements.

Speaker 1 (53:11):
Well, certainly it depends.

Speaker 8 (53:12):
I mean everybody's financial situation is different, and that's why
there's different supplements, and there's also Medicare advantage plans, and
so that's what we do as an agency or as
agents with the Integra Insurance Group. We have that conversation
with clients and we try to figure out what is
going to be the best plan and option for each
individual client based on their needs, their lifestyle and their budget.

Speaker 6 (53:34):
If I had if I had a Medicare advantage during
my battle, can you render a guess or a ballpark?

Speaker 1 (53:44):
Would I have paid zero?

Speaker 3 (53:46):
No?

Speaker 9 (53:46):
Not certainly not zero.

Speaker 8 (53:47):
I mean every Medicare advantage plan does have a max
out of pocket somewhere typically between three and seven something
thousand thousand dollars, and most earn the four to five
thousand dollars range. So Medicare advantage plans, you still have
a stop loss, you still have a max out of pocket.
It's certainly closer and more similar to what people have
been used to having health insurance prior to you.

Speaker 6 (54:08):
Okay, So let's say I had a five thousand dollars deductible.
Would my advantage pay for everything after that?

Speaker 8 (54:15):
Most likely? I mean, as long as it's it's covered
under the plan. As part of your your plan contract.

Speaker 1 (54:21):
Yes, sir. And is there are there any limitations?

Speaker 6 (54:23):
I mean, because with Medicare advantage, I wouldn't be paying
an extra premium. In fact, I would just surrender my
Part B premium instead of instead of taking it out
of my check and giving it to the government, it
would come out of my check and go to a
private advantage provider. Yes, sir, okay, so the only disadvantage

(54:51):
would be that deductible.

Speaker 9 (54:53):
Well, no, I mean they're they're they're different products for sure.

Speaker 1 (54:56):
And so I'm talking about the best advantage plan. Yeah,
you can. If I took your ahead, you're put into it.

Speaker 8 (55:02):
I mean, with an advantage plan, you have a network
of doctors and hospitals. It's a health plan from a
private health insurance company that then to put you into
that network. And there are some PPOs, but those are
even that pool of plans that our PPO plans is narrowing.
Most of them are HMOs and so having a referral
to see a specialist. Original Medicare allows you to see

(55:23):
any doctor hospital in the country that accepts Medicare. Over
ninety percent of doctors and hospitals in the country except
original Medicare so you have the access to care. Certainly
is one of those things that is a difference between
Medicare supplements and Medicare advantage plans. Both have pros and
cons both have places, and again that's part of the
conversation with an individual client.

Speaker 6 (55:44):
Can you go back and forth if you didn't like advantage,
go back to part A and Part B with a
supplement or vice versa?

Speaker 1 (55:51):
Can you go back and forth? Depends is the answer.

Speaker 8 (55:55):
So with the Medicare advantage, yes, you can always move
from a supplement to an advantage plan as long as
it's during an enrollment period annual enrollment period for example.
So this is where if somebody their supplement premiums have
gotten a lot higher and they want to look at
their Medicare advantage options, we certainly can do that with
that client or even look to see, hey, can we
save you money on the supplement side as well. But

(56:17):
once you've been on a supplement, if you have I
guess I mean there's a Medicare advantage. You do get
a trial right one time lifetime of a twelve month
trial right period with Medicare advantage. So if you've been
on a supplement you want to try Medicare advantage, you
can try it and go back to your supplement from
your carrier, same supplement, same carrier, within that twelve month

(56:37):
period without any medical underwriting. However, if you've been on
that Medicare advantage plan longer than the twelve months and
you want to get back to a supplement, you can't
just bounce back and forth without medical underwriting. So to
get back to a supplement, there are going to be
health questions on that application, and if you have pre
existing conditions, any certain pre existing conditions, that it could
be declinable and you might not be able to get

(56:58):
that supplement again.

Speaker 6 (57:00):
All right, So this is Integra Insurance. They can answer
all of your questions personally if you have them before
making a purchase, and you can reach them when they're
not here. At three ZHO three four six six fifty
five hundred. Someone wants to know if they said, I
want a plan like Tom, but I'm not retired yet,
what kind of private insurance basically is the very best.

Speaker 9 (57:26):
Well, if we're speaking about Medicare.

Speaker 1 (57:29):
And not Medicare, he's talking about he's not retired yet,
He's not at Medicare age are there private plans that
come close to Part A and Part B with my supplement, No, sir, no, sir, no, sir.

Speaker 9 (57:45):
So, I mean we'll certainly explore.

Speaker 8 (57:46):
There's a lot of questions and a lot of fact
finding that we do with the client when they call in,
and income is part of that.

Speaker 1 (57:53):
So it depends. I mean, if you have, if.

Speaker 8 (57:55):
Your income is within a certain range, then certainly you
could qualify for what's called cost share reduction subsidies through
the marketplace that would subsidize your plan benefits at a
silver level plan where you could have deductibles as low
as zero dollars max out of pockets even less than
one thousand dollars. But that's based on income eligibility that

(58:15):
for that subject.

Speaker 1 (58:16):
Okay, So other than that.

Speaker 8 (58:18):
If you're just if you're looking at a plan itself,
I mean, all of these plans are going to have
max out of pockets. Ninety nine percent of these plans,
these affordable care qualified plans on the individual market are
going to have max out of pockets of over eight
thousand dollars, between eight thousand and over nine thousand dollars,
depending on the metal tier bronze, silver, or gold.

Speaker 9 (58:37):
So it all depends on.

Speaker 8 (58:39):
Need, budget, all of that, and you're an income of
what somebody might qualify for.

Speaker 6 (58:44):
Yeah, the more you make, the less you qualify for us.
That's a simple general rule, right, no, sir, okay? And
when do those subsidies start going away? At what income
level for a let's say a family of four.

Speaker 9 (58:57):
Well, so this is really important.

Speaker 8 (58:58):
It's a great, great ques question because there's there's how
the Affordable Character was written. There's what we've had for
the last four years since the American Rescue Plan Act
as far as enhanced subsidies, and this is what the
government is currently really shut down over. And then there's
maybe potentially going back to how the Affordable Character was
written because these enhanced subsidies are set to expire at

(59:21):
the end of this year, and so the I'll be
quick about this, but the way the Affordable Character is
written is if your incomes between about one hundred and
thirty eight percent and four hundred percent of the federal
poverty level, you qualify for a tax credit. And if
it's less than two hundred and fifty percent of the
federal poverty level, and you also get that cost to
share reduction subsidy. So you had this subsidy cliff four

(59:41):
hundred percent of the federal poverty level, but any amount
over that you don't get a dime of tax credit. Well,
through the American Rescue Plan Act during COVID, right, we
want more people to get help, be able to get
access health care, and it to be affordable for them,
and so that's the enhanced subsidies. So now they set
during that period of time, they set a benchmark in
the lowest cost or second lowest cost silver level plan available.

Speaker 9 (01:00:04):
If that's less than.

Speaker 8 (01:00:05):
Eight and a half or more than eight and a
half percent of your income, now you qualify for a
tax credit. So what did it really dealt with a
lot of unaffordable ability issues for certain people, people who
are older, people who live in rural areas when where
premiums are higher.

Speaker 1 (01:00:21):
Now, okay, we have to take a break.

Speaker 6 (01:00:23):
I mean, it is all so complicated as to what
people qualify for. And I would venture to say, if
you go on and try to do it yourself, there's
a very good chance you're going to leave money on
the table.

Speaker 1 (01:00:39):
Would you say that's accurate? It could be, certainly could be.
I mean, well, it absolutely is.

Speaker 6 (01:00:45):
In my opinion, I have never talked to anyone, not
anyone who could go on and find the best choice
for them without leaving money on the table.

Speaker 1 (01:00:54):
I mean, I'm talking.

Speaker 6 (01:00:55):
In black and whites today because it's a very complicated topic,
and I'm telling you people straight up, you can't do
it alone.

Speaker 1 (01:01:02):
It's just too complicated.

Speaker 6 (01:01:04):
I mean, you spend too much of your life just
trying to learn about it, let alone pick the right plan.

Speaker 1 (01:01:09):
We got more right after this.

Speaker 6 (01:01:14):
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(01:01:36):
customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom
Martino here three O three seven to one three talk
seven one three A two five five here with Mark Major.

Speaker 1 (01:01:54):
We're taking calls answering questions. Deputy bow has a question
for Integra Insurance and just go ahead. What's going on?

Speaker 16 (01:02:01):
Yes, John, I have A and B and I'm interested
in this Part D. Can you explain a little bit
what Part D is?

Speaker 9 (01:02:09):
Absolutely, thank you for the question. Part D is prescription
drug coverage.

Speaker 1 (01:02:13):
And so.

Speaker 8 (01:02:15):
This is the time of the year, the annual enrollment
period again October fifteenth to December seventh, where you can
get a Part D plan or change your Part D plan.
And it's really important, like I said earlier, pay attention
and read those ANOX annual Notice of Change documents you
get from your plan because that'll tell you any changes
to the cost formula y, any of that.

Speaker 9 (01:02:34):
And you can run very.

Speaker 8 (01:02:35):
Simply your prescriptions through Medicare dot gov and it'll show
you which plan in order cost wise drug cost plus
plan cost for the year, what would be the better
option for you.

Speaker 1 (01:02:46):
And we do that as well.

Speaker 9 (01:02:49):
When we have clients call in and discuss that.

Speaker 8 (01:02:51):
So prescription drug plans, it's so you have Medicare A B,
you get a supplement, and then if you get a supplement, you.

Speaker 1 (01:02:58):
Want to also get a Medicare de prescription DRUGSLAN.

Speaker 7 (01:03:01):
So, John, if someone's listening, really and they have certain medications,
they can call you guys directly and you'll run them
through whatever system and then you'll be able to tell
them the best outcome for them depending on how much
each prescription is or what's covered, what is it?

Speaker 8 (01:03:17):
Yes, sir, Yes, sir. I certainly do that for my clients.
I also provide my clients how they can do it
as well. When it comes to prescription drugs. I think
the more eyes the better, and just so that they
also understand how to be able to just get on
there and do it because a Medicare dot dot gov
has made it a pretty pretty easy process to be
able to just plug them in and look at the plans.

Speaker 1 (01:03:36):
So okay, so John, now follow up. I'm sure go ahead.
So on a.

Speaker 16 (01:03:42):
Supplement D would that pay for this expensive chemo treatments
because that's considered a drug.

Speaker 8 (01:03:47):
So if the if if something is administered in a
hospital or a provider office setting, then that could be
could be covered under Medicare Part A or Part B.
If you're you're admitting the hospital and you have drugs
administered while you're admitted, then that would be Part A
if it's part if you're if you're having you know,
just going in for for injections or things like that

(01:04:10):
in the provider office setting, then that would be Part B.
So these are things you pick up typically at a pharmacy,
that your Medicare Part D would would cover.

Speaker 1 (01:04:18):
Okay, oh I'm sorry, keep going.

Speaker 16 (01:04:20):
Just last, can I ask approximately what the Part D
would cost?

Speaker 1 (01:04:25):
Completely depends.

Speaker 8 (01:04:26):
I mean, they're they're anywhere from you know, as low
as zero dollars a month over well over one hundred
dollars a month, depending on the plan. And so it's
really important that to do that, that we do that
research and play.

Speaker 1 (01:04:36):
What does it mean? What does it mean? I have
a note here that I paid for my D thirty
dollars plus a search charge.

Speaker 6 (01:04:44):
What does that mean? It just means that I pay
more than thirty so search art.

Speaker 8 (01:04:48):
That would be irma income related monthly adjustment amount and
U and that is based on income. So if your
income is above certain thresholds, you would pay aradditional amount
for Medicare Part B and for Part D as well.

Speaker 6 (01:05:02):
So basically BO for my coverage, my drug coverage. And
I've not paid a penny, not one penny since I
started my battle for cancer, not one drug did I
pay or my regular blood pressure and stuff, and I
pay around one hundred dollars a month for my part D.

Speaker 1 (01:05:22):
That's really good. Okay, keep going, Bow, Do you have
other questions? He's we're fixing his micro real quick. Oh so, anyway,
so I.

Speaker 7 (01:05:34):
Wanted to ask something so with you, Tom, Yeah, just
because of the treatment this year with the cancer, the surgeries,
the medication, everything that goes in there. You actually went
around at the very beginning. I know you talked to
doctors right over the country, right and ultimately John, everybody said,
you're crazy. The best guy happens to be right where

(01:05:57):
you live in Colorado. Now if he would under an
advantage plan, I don't care if it was with Kaiser
or whoever's got advantage plans. There's no shopping around for
the best is there. It's whoever is there. That's a
good point. Mark, that's a good point.

Speaker 13 (01:06:13):
You do have.

Speaker 8 (01:06:14):
You are put into a network of doctors and hospitals,
and like I said, a lot of those advantage plans
are HMOs, and so you do have network boundaries to
the doctors and hospitals that you have access to for
your care. There are some PPOs, but they operate very
similar to a PPO that you'd have through an employer.
As far as you have, you know, a higher cost
share to you for out of network care when you

(01:06:36):
access doctors or hospitals that are out of that network.

Speaker 7 (01:06:38):
So, I mean what Tom has without on an advantage
plan is going to cost everybody more money.

Speaker 1 (01:06:44):
I don't care how much you make.

Speaker 8 (01:06:45):
It could any advantage there are, there are some hospitals
and there are some that the just will not accept.
MAO clinic for example, will not accept an advantage plan
and so period a period and so yeah, I mean
if if that you know, access to care is is
paramount or one of the top things that's important to you,
then you know it's probably a medic Medicare supplement is
going to be what you're looking for.

Speaker 7 (01:07:06):
Fifty advantage plans and you look at those, they have
stuff like those silver Sneakers gym memberships, they have a lot.

Speaker 8 (01:07:13):
It's more you have everything rolled into one package, into
one package, zero dollars a month.

Speaker 1 (01:07:18):
Right, they're limited to the network period.

Speaker 8 (01:07:20):
Yes, there, and again that's just part of the conversation
with each individual client of what they're looking for and
what's important.

Speaker 1 (01:07:26):
Before the real cold comes.

Speaker 6 (01:07:27):
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furnace to make it squeaky clean and adjusted for this
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bucks for people who haven't had it done. That's fix
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(01:07:51):
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a cent until you're content. Time for an insurance check
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(01:08:12):
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino, your troubleshooter Mark. Let's
continue on that vein of conversation you were having off
the air.

Speaker 1 (01:08:30):
Go ahead, sir, Hey.

Speaker 7 (01:08:31):
I've got a really interesting one. Then everybody, we've got
a we've got a question for intager and then a
problem with a car accident. But I want to know this, John.
So let's say Tom or someone in November finds out
they've got big health problems, cancer, something that's going to
be very expensive, and then open enrollment comes. If you're

(01:08:52):
on an advantage plan, you're stuck. You cannot change hit
that point. Is that correct or not correct?

Speaker 13 (01:08:58):
Not?

Speaker 1 (01:08:58):
At that point? No, there is three.

Speaker 7 (01:09:02):
There's no what do you call it? Pre existing when
it comes to Medicare. I mean really, in that scenario, change.

Speaker 8 (01:09:09):
Your advantage plan, but you would not be able to
go back to a supplement at that point unless you
then beat the cancer and have it fully it's no
longer there for a full two years or yeah, exactly.

Speaker 7 (01:09:20):
I mean because you have something I don't care what
if you have.

Speaker 8 (01:09:23):
That prexisting condition, you would not be able to move
to a supplement.

Speaker 7 (01:09:26):
But if you're on the exchange, not on Medicare, and
you have the cheapest it's not going to be an advantage.

Speaker 1 (01:09:32):
Plan, but some kind of plan. Hi, Kaiser. I'm struck
with Kaiser.

Speaker 7 (01:09:37):
And then all of a sudden, I found out I
have cancer in November and I'm like, I want to
go to the best doctors. They're not in Kaiser. I
can switch to anything the mac daddy correct during open enrollment,
which isn't that a little while that Medicare limits it,
even though that's the government that you've been funding your
entire life. You can't switch when you need it, but
you can on the exchange. To me, that's fundamentally not fair.

(01:10:00):
I mean, and I realize you have nothing to do
with this, but am I missing something? And that's anario.

Speaker 1 (01:10:05):
No, that's correct.

Speaker 9 (01:10:06):
I mean that's how it's it's built, that's how it's set.

Speaker 1 (01:10:08):
Up, which is crazy.

Speaker 7 (01:10:10):
I mean, for example, if Tom was on an advantage
he paid in the maximum amount his entire life, probably
paid in more than all of us, and all of
a sudden, if he was on an advantage plan and
really needs it to get access to the best actors,
he can't switch, and I'm beaten a dead horse.

Speaker 8 (01:10:28):
That's why it's really important to have a conversation with
a licensed expert, like somebody who can walk you through.

Speaker 1 (01:10:36):
What those differences are. Just an expert at Integra. Hey, Greg,
you have speaking of Integra, Greg, go ahead, what is
your question for Integra? Greg? Yes, what's your question?

Speaker 2 (01:10:54):
All right?

Speaker 17 (01:10:55):
I've got a wife that's working for the State of Colorado.
She's currently covered under their health insurance program. She just
turns sixty six in May. My understanding is if she
is staying working right now, she doesn't need to sign
up for Part B until she's about to retire.

Speaker 8 (01:11:14):
Greg, thank ye, thank you sir for the question, because
I did want to come back to this.

Speaker 1 (01:11:19):
That is correct.

Speaker 8 (01:11:20):
So right when you become eligible for Part B, you
don't have to take Part B. If you have benefits
through an employer, you can stay on the benefits.

Speaker 9 (01:11:30):
You can just go ahead and take Part A part
as free.

Speaker 8 (01:11:32):
But no, you don't have to elect Part B because
you have that qualified coverage through an employer and you
can stay on that as long as you have it,
and then elect Part B when you come off.

Speaker 13 (01:11:41):
Yeah.

Speaker 2 (01:11:41):
Yeah.

Speaker 6 (01:11:41):
And if you don't elect it when you come off,
that's when it becomes cost prohibitive to go back on
it later.

Speaker 7 (01:11:48):
Yeah, And we're going to have Greg. If you got
another question, we'll keep beyond. But anybody out there wants
to reach out, any questions and Tager Insurance dot COMRA
three oh three four sixty six fifty five hundred. We
got a tone coming up.

Speaker 6 (01:12:01):
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(01:12:23):
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Speaker 2 (01:12:36):
Ripped of.

Speaker 4 (01:12:39):
News need advice so you don't have to come running
as sas as a cam show Shooter's gonna help.

Speaker 5 (01:12:49):
Come six is the Troubleshooter Show. No Tom Martino?

Speaker 6 (01:12:56):
Hello, Tom Martino here, And we got Mark Major at
the main ship the Master Studio. And who do you
got Mark?

Speaker 1 (01:13:06):
We have got.

Speaker 7 (01:13:07):
Integra with us. John Junior, you're hearing his voice mostly,
but his dad's here. He started in Tegra My God,
twenty thirty years ago. His beautiful wife Day has joined him.
And of course that's John Junior's mother. Hey, I did
want to just jump into a question real quick. By
the way, people, we have two lines open. Any questions
you have for Medicare or just enrollment. Open enrollments coming

(01:13:29):
up period, But three zero three Martino, get your calls
in now. You can always email us at help at
troubleshooter dot com too, and we'll send the questions off
to these guys. But your mom was telling me something
over the break. My question was, if you were on
an advantage plan and something happened to where it was
catastrophic in your life and you wanted to be able

(01:13:50):
to go to different people outside of network, switch from
an advantage to a standard Medicare I mean whatever that's
called with part ABC, etc. Here's the question I had though.
I said, if you're on the exchange and you are
in something like Kaiser, something that's completely in network, and

(01:14:12):
something happened, you said you could change during open enrollment, right.
But then your mom, while we were in the other room,
she was saying that there really isn't anything on the
exchange that would open you up to the best universities
and hospitals in the world or in the country at least.
I mean, is that correct? And if so, can I

(01:14:34):
get stuff off the exchange in Colorado?

Speaker 1 (01:14:37):
Do I have to get coverage.

Speaker 7 (01:14:38):
On the exchange? Because I have no benefit from the exchange.
I literally have zero benefit going through the exchange, maybe
ease of use.

Speaker 8 (01:14:46):
The vast majority of plans that exist in our state
are affordable care qualified health insurance plans, and so that's
what you get through Connect for Health Colorado or you
even direct with the health insurance carrier if you don't
qualify for a tax credit and don't want to go
through the marketplace. But they are all HMO or e
p O, so they are state specific networks of doctors

(01:15:06):
and hospitals. They do have a network boundary, so no
out of network benefits with the exception of urgent care
and emergency care.

Speaker 1 (01:15:13):
So all the players.

Speaker 8 (01:15:16):
I mean, there are non ACA qualified plans, limited benefit plans,
things like that that do exist that utilize PPO networks.

Speaker 1 (01:15:22):
But it's really important.

Speaker 6 (01:15:25):
Can we recap for us what makes something Affordable Care
Act qualified?

Speaker 10 (01:15:30):
What?

Speaker 1 (01:15:30):
What do we mean by that? Tax credits? Right?

Speaker 12 (01:15:32):
Right?

Speaker 8 (01:15:33):
So this is I mean, what however you want to
call it, right, I mean, some people call obamacare. But
right if the Affordable Care Act now it's going on.

Speaker 1 (01:15:41):
Don't make something approval? What makes something?

Speaker 7 (01:15:45):
Don't don't call it affordable because it's freaking not affordable for.

Speaker 8 (01:15:49):
Some people, it's it's not for sure, but but for
some people it is. And so it's there's ten essential benefits, right,
and so that that make a plan affordable care qualified
has to cover pre existing conditions.

Speaker 9 (01:16:01):
I mean, you even have some essential benefits in.

Speaker 8 (01:16:03):
There that you you know, may not a lot of
people may not even be aware of, like pediatric dental
and pediatric vision, maternity. I mean, you have these these
ten essential benefits that a plan has to include in
their benefit structure and their coverage for it to be
affordable carret qualified. And again, the vast majority of options
that are available to people out there, comprehensive coverage options

(01:16:24):
are affordable carrot qualified plans that you buy a truck marketplace.

Speaker 6 (01:16:28):
Okay, but I thought I thought it all went away.
I mean, what was all that talk about it going away?

Speaker 7 (01:16:36):
The penalty? It has nothing to do. First of all,
Colorado and John, I hate to jump in like this,
but yeah, seriously, I'll hand it back to you. But
Colorado can be different than other states that don't have
anything like what we have, Tom. I mean, a lot
of it is to state level, right, and it used
to be with Obamacare, before it went to the Supreme Court.

(01:16:57):
Pretty much everybody had to have it or you would
end up paying some kind of fine for not having it.

Speaker 9 (01:17:03):
No, the affordable character is the law of the land.

Speaker 8 (01:17:05):
Every state has either their own marketplace or they use
healthcare dot gov, the federal marketplace. Yeah, the penalty was
a part of it, right, but in the prior Trump
administration they the penalty doesn't not exist. It's just zero
dollars now. They so because the penalty is still part
of the law. They just made the penalty zero dollars,
so it doesn't there is no teeth to it. If

(01:17:26):
you go without affordable carret qualified health insurance.

Speaker 7 (01:17:29):
I thought under states that I don't know of one.
I'd say Mississippi for that, maybe even Kansas, I don't know.
But they could actually have plans that are like emergency
coverage only where in Colorado they don't want that on
those changes.

Speaker 8 (01:17:42):
Well, those plans are not on the to be on
the exchange exchange, it has to be affordable care qualified. Certainly,
there are mech minimum essential coverage or non ACA qualified
plans that do exist out there that are not comprehensive coverage.
You know, they do exist and anybody who's their phone
number into something online and then gets a thousand phone

(01:18:03):
calls over the next two days.

Speaker 1 (01:18:05):
You know about those plays, right, So, but.

Speaker 6 (01:18:08):
It is safe to say, and I know Mark has
his own thoughts on this, but Obamacare did truly open
up health insurance for a lot of people that could
not afford it before it. I mean, it made it
way expensive on the upper end, but didn't it open
up on the lower end people who normally could not
pay for it, who.

Speaker 8 (01:18:29):
Couldn't pay for it, who couldn't get it because of
a pre existing condition.

Speaker 7 (01:18:33):
Certainly, Yeah, poverty level people it opened it up to.
But if you're some kid in Colorado making forty five
thousand and fifty thousand a year, I would argue all
day long, they might have cheap premiums, but they're still
going to have a max out of pocket. They're still
going to have stuff that it's very expensive to someone
in that circumstance. The people that are in between, they're

(01:18:55):
not rich and they're not poor. That's who I think
Obamacare screwed more than anybody.

Speaker 1 (01:19:02):
Greg has a question. Go ahead, Greg, what is your question?

Speaker 17 (01:19:07):
If I'm on an advantage plan in Colorado and I
moved to another state. Is that a qualifying.

Speaker 8 (01:19:18):
Yes, sir, I guaranteed seat, yes, sir, to be able
to get a Medicare supplement at that point.

Speaker 1 (01:19:24):
Yes, sir.

Speaker 17 (01:19:24):
Okay, excellent, thank you.

Speaker 1 (01:19:26):
All right, Carmela, you have a question for Integra. Go ahead, Carmela.

Speaker 18 (01:19:31):
Yes, good afternoon, gentlemen. My name is Carmela. I'm a
retired SBTLE employee and I have a high option in
medical insurance plan. I'm going to be sixty five. Do
I really need to get Medicare insurance?

Speaker 1 (01:19:46):
Not necessarily.

Speaker 8 (01:19:48):
No, not necessarily, but we're happy to explore that and
compare and show you and have that discussion.

Speaker 6 (01:19:56):
Okay, when would someone not get Medicare? When would someone
not get Congress? I mean no, No, What I mean
is what I mean is Carmela doesn't want it. If
I didn't want it, can I opt out of it?

Speaker 8 (01:20:09):
Well, sure, you can knocked out, but then you're not
going to have any any coverage for her. It's different.
She has great health and shown benefits. Yeah, probably for
the rest of her life. So no, she certainly does
not need to get Medicare in that case.

Speaker 7 (01:20:23):
And just to say this because it came up thank you, Carmela.

Speaker 1 (01:20:26):
Isn't it funny?

Speaker 7 (01:20:27):
Well, isn't it funny how the House and Senate decided
to exempt themselves from Obamacare?

Speaker 11 (01:20:35):
Is it?

Speaker 7 (01:20:35):
Don't you guys just find that a little funny. They
don't have to do it. I find that just so crappy.
It's incredible.

Speaker 6 (01:20:45):
Is that truly what it is? Did they really exempt
themselves from it?

Speaker 1 (01:20:50):
Yes?

Speaker 8 (01:20:50):
Well, and sure they can get federal benefits probably for
the rest of their life as well, so you.

Speaker 7 (01:20:54):
Can go anywhere anytime, do anything they want. They get
information on stocks before we get it. Don't be surprised, Tom,
they're all crooks.

Speaker 8 (01:21:03):
I mean, we will say more people are insured now
than ever before, and there are certainly people who have
pre existing conditions who could not get held insurance before
who can get it now. Right, And so is it
a perfect system and is it a absolutely not? And
affordability if if some type of solution is not figured
out here, I mean there's people who anybody out there
who watches the news, You've seen it, and there's a

(01:21:24):
lot of concerns and a lot of people you're hearing
my premiums could go up over one hundred percent next year.
That type of thing if I pass, if I go
over that subsidy cliff, if things go back to the
way that they were, and so. But you know, our job,
we look at things as and problems and things like
that is opportunity for solutions. And that's what we put
a lot of time into to figure out for our

(01:21:45):
clients is what type of solutions are going to exist
for you if that happens.

Speaker 7 (01:21:48):
And you guys all know this, but I got to
explain this for listeners.

Speaker 1 (01:21:51):
You guys have nothing to do with this.

Speaker 7 (01:21:52):
In fact, thank God for Integer Insurance because you guys
can literally help people go through the maze and make
the best choices. I mean, and that's it. I mean,
that's great. But I'm just saying to a lot of people,
it isn't fair anymore. Health insurance crazy. There is a
lot of people with this government shutdown. You know, there's
one side that rather have healthcare for people that have

(01:22:14):
never paid into the system, I'll keep it at that.
And that's absolutely insane. And it's getting to the point
where the cost is so high and something Tom harps
on all the time, and I'm on his bandwagon. The
insurance companies putting themselves in the middle of all this
just makes everything higher even more so. It's crazy. Something
has to be fixed. It's not Obamacare, it's not zero insurance,

(01:22:38):
but something's got to be done. It really has to
be done.

Speaker 1 (01:22:42):
And we'll explore that more.

Speaker 6 (01:22:43):
And please hang on, we'll come to your car accident
coming up. I'm Tom Martino three three seven to one
three talks seven one three two five five And speaking
of other insurance, Compass will do a free insurance checkup
for the asking. They'll go over your car, your house,
whatever you have and see if you have enough insurance,
or if you're paying too much, or if they can
do better.

Speaker 1 (01:23:03):
And that's a free insurance check up three oh three
nine nine six nine thousand.

Speaker 6 (01:23:12):
Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content.
Time for an insurance checkup, free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three, seven
to seven to one help. You'll think you're his only

(01:23:33):
customer when you choose Frank durand the Real estate Man
dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

Speaker 1 (01:23:44):
Tom Martino, you're troubleshooter three oh three seven one three
eight two five five, here to help you solve your problems,
to answer questions, take complaints. So who should we go
to next?

Speaker 6 (01:23:55):
Uh, let's take Anne with her car accident h question
and what's going on with you?

Speaker 1 (01:24:00):
Hello?

Speaker 12 (01:24:01):
Ann?

Speaker 19 (01:24:02):
Hi, what I'm calling about is to find out how
I can make myself whole by the insurance company whose
client hit the back of my car and it was
a hit and run A truck of got too close
to my car in a library parking lot. It was

(01:24:24):
on camera. There's a police report. And anyway, the police
officer went out to his house and match the marks
with my car. And the bottom line is he didn't
want me to turn it into the insurance company, which
I did not do for a couple of months because
it was going to take him a while to pay

(01:24:44):
for it. But he ended up saying, oh, just turn
it into the.

Speaker 14 (01:24:49):
Tom.

Speaker 7 (01:24:49):
I hate to jump in here, but Ann, this person
hits you, runs off, the cops got to track him down.
Then you're kind enough to make a deal with him
where he can pay cab.

Speaker 1 (01:25:00):
Are you nuts well?

Speaker 6 (01:25:02):
And by the way, you're not required to put anything
in with his insurance. If he says put it in
with my insurance, you have to you tell him no,
you put it into your insurance.

Speaker 1 (01:25:14):
You owe me. How much is the damage?

Speaker 19 (01:25:18):
Well, I've had the highest estimate that I had was
forty two hundred dollars. Then I got an estimate for
thirty two hundred dollars from the same company because that
company said, I'm afraid because this is a two thousand
and five Lincoln town Car with about one hundred and
twenty six thousand miles and it's in new condition. It's

(01:25:38):
excellent except for that damage pretty much, okay, So I
don't want any anyway, So.

Speaker 1 (01:25:44):
That the the what you need to do is sue
this guy in small claim score. You know, I had
a similar case.

Speaker 6 (01:25:51):
Where someone hit my car in a parking lot and
then told me, oh, go to my insurance, and his
insurance was screwing around with me. And you're not obligated
to go to his insurance.

Speaker 1 (01:26:02):
He owes you the money, period, Okay, but this is
the bottom line.

Speaker 19 (01:26:07):
So that the insurance company came out this week, I
mean last week and gave me. They pay nineteen hundred
dollars and they negotiate with the gent repair place for
the remainder of the cost. But I want. What I
want is I want to be made whole and I
want see there's a reduced of value to my car.

Speaker 1 (01:26:30):
Oh no, you're not.

Speaker 6 (01:26:31):
You're not going to get You're not going to get
diminished value in a car.

Speaker 1 (01:26:34):
How old is it?

Speaker 19 (01:26:36):
It's twenty years old.

Speaker 7 (01:26:38):
She might, you're not going to get she might.

Speaker 6 (01:26:40):
I don't think you'll get diminished value on a car
more than five years old.

Speaker 1 (01:26:44):
I just don't think it's going to happen. And that's
just my opinion.

Speaker 6 (01:26:48):
But we can ask petty details and diminished value. For
God's sakes, you'd have to establish what this car was
worth before the accident and what is worth as of
the accident. But you're not going to get that from
their insurance company. His insurance company will never pay that
to you.

Speaker 1 (01:27:06):
You'd have to assume him. You'd have to assume them
in small claims court.

Speaker 7 (01:27:09):
Did it have a perfectly clean record prior in no
other accidents?

Speaker 3 (01:27:14):
Right?

Speaker 1 (01:27:15):
Well, well yes, no, wait wait yes?

Speaker 7 (01:27:17):
Or no?

Speaker 19 (01:27:20):
Just somebody scratched my car a tiny bit that was
never reported. I didn't go after the life.

Speaker 1 (01:27:26):
If it had.

Speaker 7 (01:27:27):
A clean car Fax, I'd say she might have a
little diminished value. But to Time's point, I don't think
it's going to be much.

Speaker 1 (01:27:34):
Well, I mean, what is your car worth, full retail
and without the accident? Truly? What is that car worth?
And I'm not talking about your particular car, but cars
of that vintage. What year is it?

Speaker 19 (01:27:49):
It's a two thousand and five Lincoln town Car signature.

Speaker 1 (01:27:54):
Okay, you know what I mean?

Speaker 19 (01:27:56):
What it's not going to be Kelly, And they were ridiculous.
And then I went to Carfax and they were it
was something like between eight and ten thousand dollars. So
so Carfax said it was worth about three grand.

Speaker 2 (01:28:13):
But you can find let's ask.

Speaker 7 (01:28:15):
Look, we've got enough questions. Let's put her on the
whole time and ask let's get petty details on. I mean,
she's got multiple questions here and they're all value related.

Speaker 1 (01:28:25):
Okay, that would be a good thing to do, So
hold on a second.

Speaker 7 (01:28:28):
Yeah, then we'll hear Bill. He's got a question for Integra.

Speaker 1 (01:28:32):
So did we not take our first break yet? Jeez?

Speaker 6 (01:28:35):
Are we that far behind. I think, wait a minute,
dragon good? So Bill, No, No, we're not. Yeah, I
just had a brain fart.

Speaker 1 (01:28:43):
Hey Bill, what is your question for integer insurance?

Speaker 11 (01:28:48):
Yeah?

Speaker 20 (01:28:48):
Thanks, Sia. I've got a high deductible plan as supplemental
and I liked it all if I can change that
to just a straight plan APP with no high deductible.

Speaker 1 (01:29:03):
How old are you?

Speaker 20 (01:29:03):
By the way, I am seventy three, I'll be seventy
four next month.

Speaker 1 (01:29:08):
And you're on Medicare with a supplement. Did you say yes? Okay?

Speaker 13 (01:29:14):
The Plan F.

Speaker 1 (01:29:16):
I don't know what Plan F is. Guys, can you
explain that? Hey Tom, this is John Senior. How you
doing good? Good? Can you tell them what's up with
that Plan F?

Speaker 21 (01:29:25):
I'll be happy to It's an HDF, which is a
hybrid of the F, which is the same plan I have.
So what that is Bill's? You know, technically it allows
Medicare to do his job. So, like Johnny was saying,
Medicare the primary problem with it, it didn't have a
max out of pocket, But that HDF you have a

(01:29:48):
max out of pocket of twenty eight seventy this year.
Next year we'll probably go up a little bit more,
probably twenty nine hundred something because they can raise it
every year. I say, the concept behind you know, behind
the HDF was and I'm not sure. Have you been
on it the whole time? Bill since she turned sixty five?

Speaker 20 (01:30:11):
Signed me up to it?

Speaker 1 (01:30:12):
Okay? Great?

Speaker 21 (01:30:13):
So so have I kept my program?

Speaker 1 (01:30:18):
Yes?

Speaker 21 (01:30:18):
Have I ever used my program to any great extent?

Speaker 13 (01:30:22):
No?

Speaker 21 (01:30:23):
And if God forbid something should happen, could I afford
the twenty eight seventy out of pocket?

Speaker 1 (01:30:30):
Yes?

Speaker 21 (01:30:31):
But I've saved all those premiums for the last nine
years because neither my wife or I, who are both
on the plan, have even come close to hitting that
max out of pocket.

Speaker 11 (01:30:43):
Right.

Speaker 13 (01:30:43):
But when I signed up, I was in your situation,
and now I'm on dialysis then with and so I'm
burning through my deductible the first two months of the year.

Speaker 21 (01:30:57):
But then after that everything's one hundred percent covered, correct, right?

Speaker 1 (01:31:01):
Okay, after that it's all okay.

Speaker 6 (01:31:04):
John, How does that differ from what I have because
I don't remember paying much of anything.

Speaker 21 (01:31:08):
No, you don't, because with a plan G like you have,
your max out of pocket is two hundred and fifty
seven dollars, but you're paying one hundred and eighty dollars
a month correct roughly? Yes, yeakay, my plan HDF, and
it has gone up because we're in attained day dragon
state my plan HDF. I'm paying eighty Oh I see,

(01:31:30):
I'm taking one hundred and ten dollars every single month.
And if you want to put that over nine years,
that's a lot of dollars that I've saved in premiums.

Speaker 6 (01:31:39):
So Bill, you may want to stay right where you are.
I mean, is he does he have to qualify to
switch plans? If he wanted to go to a gen
does he have to qualify?

Speaker 13 (01:31:48):
Right?

Speaker 8 (01:31:48):
So that's the thing to more specifically answer Bill. I
think your question what you're trying to get at here
is no, you'd have to go through medical underwriting to
switch your Medicare Medicare supplement, so okay, and being on
dialysis is not going to happen. It would be declinable, yes.

Speaker 13 (01:32:02):
Sir, okay, So let's figured. But I thought i'd confirm.

Speaker 2 (01:32:08):
With you guys.

Speaker 6 (01:32:08):
And it sounds like you have a great plan right now. Bill,
And even though you're burning through that deductible, you're getting
your money's worth twenty eight.

Speaker 13 (01:32:15):
Seventy that's in the first couple of months, it's all
paid for the rest of the year, no matter what happened.

Speaker 1 (01:32:21):
Have you yes, sir, yes, sir okay.

Speaker 6 (01:32:24):
We have more coming up on the Troubleshooter Show three
oh three seven one three talks seven one three eight
two five five. By the way, Kashome Solutions now has painters,
painting pros, K and H. They can do what you
need for painting Khwindows dot com. Go with a sure

(01:32:45):
Thing Denvers Best Roofer Excel Roofing dot com. You don't
pay a cent until you're content. Wait time for an
insurance check up free, no obligation. In comparison, call Compass
Insurance paying too much coverage at dozens of insurance companies
find out now three all three seven seven to one help.
You'll think you're his only customer when you choose Frank

(01:33:07):
durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero
sixteen twenty two.

Speaker 1 (01:33:20):
Hi Tom Artino here three O three seven one three
talk seven one three eight two five five. What's on
your mind today? Let's go to the phones.

Speaker 6 (01:33:29):
Bruce has a question for Integra Insurance. Integra Insurance dot
com go ahead, Bruce.

Speaker 12 (01:33:37):
Hello Tom, and Hello Mark.

Speaker 1 (01:33:40):
Hello, Hello, Hello Bruce.

Speaker 12 (01:33:42):
I wanted to give you both kudos on I went,
I called fix at twenty four to seven. Yeah, and
they did a beautiful job for me.

Speaker 1 (01:33:52):
Good.

Speaker 12 (01:33:52):
I fixed my week under my sink and they did
a great job and asked for our first window time
to come out to Elizabeth because that's where I live.

Speaker 1 (01:34:01):
Wow.

Speaker 12 (01:34:01):
And they were there at eight thirty in the morning,
thanks to you and Mark. And they didn't even put
an extra Well, I got to tell you this first.
I told him, mister Tom Martine and Mark Major sent
me or gave me the referral, and they gave me
ten percent off.

Speaker 1 (01:34:17):
By the way, thank you for telling us that. That's great?

Speaker 12 (01:34:22):
Hey, U but center off guys, Bruce.

Speaker 1 (01:34:25):
Were you also calling about health insurance or not?

Speaker 6 (01:34:28):
No, sir, I was okay, Hey, but thank thank you
for telling us about fixing twenty four to seven.

Speaker 1 (01:34:34):
Thank you.

Speaker 7 (01:34:35):
I want to bring something up, Hey, John Senior, get
up by that, Mike. Listen to this story.

Speaker 1 (01:34:39):
Tom.

Speaker 7 (01:34:40):
He told me this during the break. People on YouTube.
You go to YouTube dot com, look up Troubleshooter Network.
You'll see us live. But he you got the thirty
nine dollars cleaning deal from fix It right.

Speaker 1 (01:34:50):
That's correct.

Speaker 7 (01:34:51):
Listen, listen to what the guy did. Go ahead, I
want you to say it, not me and Tom.

Speaker 21 (01:34:55):
What happened when we had him come over and this
was cleaning off furnace. Yes, and he was actually a
young person. He was from Ukraine. They'd actually left Ukraine
right before the war started. Wow, nice guy. And when
he came in he disassembled everything I know it and
he laid out on the floor.

Speaker 1 (01:35:15):
I mean, he was amazing.

Speaker 21 (01:35:16):
But then it walked up because we were near the fires,
you know, up in near Superior. And when he came up,
he said, John, your fanblade is just encrusted. And we
happened to be near a car wash. He said, I'm
gonna run out and get this thing clean. He actually
left the house and went to the car wash.

Speaker 7 (01:35:37):
He brought the fan blade down to the car wash
to get all the foot and crap off of it.

Speaker 1 (01:35:42):
Oh my god, isn't that great? Thirty nine dollars.

Speaker 7 (01:35:46):
Anybody out there that is not a customer of theirs,
you're insane not to go to fix myhome dot com.
That's purely based on him right there, John that's how
great of a job they do. Thirty nine dollars for
new customers.

Speaker 6 (01:36:00):
You know, Mark, they took mine apart and spread it
out on a tarp on the on it was nicer weather,
and they spread it out on a tarp over the grass,
and they they clean this damn thing like it. My
furnace looked like new. I mean, it's amazing. It was
thirty nine bucks.

Speaker 7 (01:36:16):
I know it's crazy. I mean, yep, it's crazy. But
people out there and fixmihome dot com simple as that.

Speaker 6 (01:36:23):
Hey, justin Petty Petty details. He's a diminished value expert.
We love talking to him about stuff like this. But
this is a little unusual of a situation. It was
a two thousand and four I believe she said right.

Speaker 7 (01:36:38):
I think it was an five five town Lincoln town car.
But the question is really pretty simple, justin if there's
an five town car that is accident free, carfax free
or i'm sorry, carfax clean, and one with an accident
listed on it, isn't there still diminished value?

Speaker 14 (01:37:01):
Sure there still be some. I mean the value of
the car is not going to be that great, and
so the diminished value won't right, evil.

Speaker 7 (01:37:09):
Like five percent what do you think something like that?

Speaker 14 (01:37:13):
I mean, if it's a six thousand dollars car and
it's had a you know, and it's got a you know,
three or four thousand dollars repair on it, you're talking
probably you know, eight hundred to twelve hundred dollars of
diminished value.

Speaker 1 (01:37:30):
So there is so basically diminished value goes how far back?

Speaker 6 (01:37:36):
I mean, basically until it becomes cost prohibitive to collect it.

Speaker 14 (01:37:40):
Right exactly. I mean a nineteen sixty five Ford Mustang
be a different scenario, right, But it's really based on
the value and the market, not the age or anything
like that.

Speaker 6 (01:37:54):
Okay, so she's gonna have a hell of a time though,
getting his insurance to pay for it, even though he
hit it and he's at fault.

Speaker 1 (01:38:03):
They're paying for the repair.

Speaker 6 (01:38:05):
But what are the chances they're just going to pay
diminished value for her asking?

Speaker 14 (01:38:11):
It's unlikely that they'll that they'll make an offer on
a vehicle like that because they're trained that, you know,
you can only have diminished value for cars that are
six years old or newer, which is just not true.
But that's that's typically the response you'll get from most insurance.

Speaker 7 (01:38:29):
God if you ended up taking that driver Tom to
small claims court over the diminished value, I bet you anything,
a judge would see it your way.

Speaker 6 (01:38:39):
That would be the way to do it, obviously, because
fighting with the insurance company would be an uphill battle.

Speaker 1 (01:38:45):
So I believe that really that's the way to go.
And justin to.

Speaker 6 (01:38:50):
Give an opinion on something like that, what does it
cost her to find out from you?

Speaker 14 (01:38:56):
Well, I mean I hope a lot of people just
with una correspondence that give my opinion to them, you know,
on my letterhead if you will. That one wouldn't be
worth spending five hundred dollars to get a formal appraisal.
But yeah, small claims court might be you know, a
good option. You can use online sources to sort of

(01:39:18):
demonstrate your diminished market value when you have a smaller
value case.

Speaker 7 (01:39:23):
Not only that time, here's the other side to that.
Let's say we are only talking five to six hundred bucks.
It's fifty bucks for that woman to file the claim.
Then the insurance company they're going to have to come
in and defend. I mean, they're simply going to have
to do it. So what are they going to do?
Are they going to go hire an outside attorney to
appear in small claims court for a thousand bucks or

(01:39:45):
mediation or are they going to come out of pocket
five hundred? I mean it's a financial decision, hey.

Speaker 6 (01:39:51):
Justin what is a full blown appraisal from you? If
it was a higher dollar car?

Speaker 14 (01:39:57):
Yeah, it's five hundred dollars?

Speaker 1 (01:40:00):
Okay?

Speaker 6 (01:40:02):
And then if I'm suing for diminished value and I win,
what are the chances I can get that estimate thrown
in as a damage.

Speaker 14 (01:40:13):
Well, I've you know, I've produced appraisals for you know,
years and years and years in many courts throughout the
United States, and it's an appraisal, you know, so it's evidence.
Unless they can prove I'm not not an expert, then
they would have to, you know, at least consider that

(01:40:33):
as part of the evidence.

Speaker 1 (01:40:35):
Right, right? And could it be?

Speaker 6 (01:40:37):
I mean, have you ever seen the courts award them
that five hundred dollars in addition to their damages?

Speaker 2 (01:40:44):
Sure?

Speaker 14 (01:40:44):
Yeah, I mean diminished value is recoverable. It's just how
do you prove it? And so that's that's what I
specialize in, is.

Speaker 7 (01:40:51):
Okay, Hey, Tom, what do you think the largest dollar
amount that he has done personally one hundred like one
hundred thousand, five hundred thousand and fifty thousand.

Speaker 6 (01:41:01):
What's a guess, Oh, I would say, you mean the
amount of the diminished value or the.

Speaker 7 (01:41:07):
Amount of the car that he at, the amount of
diminished value that he actually got for one of his clients.

Speaker 1 (01:41:14):
Maybe another twenty grand, justin.

Speaker 14 (01:41:20):
Yeah, now we get the records. One hundred grand?

Speaker 1 (01:41:25):
What what kind of car was that? What kind of
car was that for tourists?

Speaker 14 (01:41:30):
Ferrari?

Speaker 6 (01:41:31):
Yeah, it was a Ferrari and you you Goostam and
got another one hundred grand out of him.

Speaker 14 (01:41:40):
Yeah, I mean the vehicle was worth six hundred grand
before it got wrecked, and yeah, lost one hundred grand
in value over the accident history and the top of
damage it was.

Speaker 6 (01:41:52):
You know, Justin, I had a Ferrari one time and
one guy told me at the dealership, if you're parked
and somebody so much as backs into you, and it's
a mere fender repair, it will have a great amount
of effect on the market value.

Speaker 1 (01:42:10):
Is that?

Speaker 6 (01:42:10):
Are they that pure in the Ferrari world or in
the exotic car business? Is it that pure where even
little dens and dings can can diminish the value that much.

Speaker 14 (01:42:24):
Certainly you have discriminating consumers that buy Ferraris and Aston
Martins and Rolls Royce and Bentley's and things like that,
and so yes, even those customers will pay more to
not have the problem of an accident history. It just
creates a story in the vehicle. And I mean, of

(01:42:44):
course you have situations like recently I saw mister Bean
sold to Ferrari that had been in two res but
it had his name associated with it. He made out
on it because it had that Casher his name that
goes with it. But outside out of just something unusual
that creates value. Definitely, that's a discriminating consumer base, and

(01:43:07):
it's going to affect the value of that bray or
Mentally or Rolls Royce tremendously because they don't know. I'm
not go by Rolls Royce. Do you want one that's
got a wreck?

Speaker 7 (01:43:17):
No, of course not. Hey Tom, real quick, I just
thought about this. What does same go for? Like if
someone had a brand new I don't know, a brand
new serious airplane they flew, or like you, you got
a helicopter or something and like a truck runs into it,
not like a crash but like the fuel truck causes damage,
is there actually like a car fax for aircraft?

Speaker 1 (01:43:39):
You know they're there. Yeah, it's called the logbook.

Speaker 6 (01:43:42):
So everything is logged everything and if not, you're you're committing.

Speaker 1 (01:43:47):
A federal offense. So you look through the log book
and you see if there's was damage, and then you
see who repaired it, and all of that counts towards
the value absolutely, positively. Wow.

Speaker 6 (01:43:59):
Now if it's done excellently, you still have a little
diminished value. But there is no car fax or anything
like it for aircraft because the fet the logs are
the actual record of everything done to that aircraft. And
in addition to logs, they have to file repair statements

(01:44:21):
with the FAA that are kept on file.

Speaker 1 (01:44:23):
Wow, that's crazy. We got to take this break.

Speaker 7 (01:44:25):
Hey, justin Petty seriously, man, I love when you come
on Diminished Value Expert dot com. Anybody out there, always
free advice. You just want to know how much that
car is worth or if you have a diminished value,
he'll talk to you one percent for free. Diminished Value
Expert dot Com. Three oh three, Martino, get those calls in.
We got another hour coming up. Plus we got a

(01:44:46):
quick break right now.

Speaker 6 (01:44:53):
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Speaker 1 (01:45:24):
I'm Tom Martina here with a question from texts.

Speaker 6 (01:45:28):
You can text us, by the way. You know I
should tell you this more often. I have a private
text line that comes to my cell phone that's twenty
four to seven. By the way, if you ever need
help seriously seven four seven nine nine nine fifty two eighty,
think of it this way. I love seven forty sevens
and nine nine nine is closest to perfection you can get,

(01:45:48):
and fifty two eighty the Mile High City seven four
seven nine nine nine fifty two eighty. And then we
have the iHeart short code five seven seven three nine,
and you can just put Tom in there.

Speaker 1 (01:45:58):
It'll come to me. Hey, this contagra.

Speaker 6 (01:46:01):
It says, if I'm older than sixty five and eligible
for Medicare, why can't I just take Medicare Part A
bypass Part B.

Speaker 1 (01:46:10):
And just get a supplement.

Speaker 8 (01:46:14):
You have to have Medicare Part A and Part B
to be able to get a supplement or to be
able to get a Medicare advantage plan. Now you can
get just a prescription drug plan if you only have
Medicare Part A, but to get a supplement or a
Medicare advantage plan, you have to have both Medicare Parts
A and B.

Speaker 6 (01:46:31):
And in my opinion, correct me, guys if I'm wrong,
isn't Part B great coverage for the price we pay?

Speaker 2 (01:46:38):
Sure?

Speaker 8 (01:46:38):
And keep in mind, it's because the supplement supplements Medicare right,
and so a party in bor life is the most
fail party and Part B are are. They cover two
different two different things, two different parts of healthcare. So
you have Part A again hospitalization. Part B is outpatient care,
and so the supplement is designed to cover both of
those things, to fill in the gaps of both of those.

(01:47:00):
That's why you have to have Part A and Part
B both.

Speaker 6 (01:47:03):
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Speaker 1 (01:47:13):
You don't pay a cent until you're content.

Speaker 6 (01:47:18):
Time for an insurance check up free, no obligation comparison
call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven
seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate Man dot
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Speaker 2 (01:47:41):
You don't have the anxiousness as can.

Speaker 4 (01:47:48):
Shooter's gonna help come?

Speaker 5 (01:47:52):
This is the Troubleshooter Show. No Tom Martine, Hello, what.

Speaker 1 (01:47:58):
Is happening in your world?

Speaker 2 (01:48:00):
Tom?

Speaker 6 (01:48:00):
We're talking to Integra Insurance about open enrollment, and we're
talking to you about anything you want.

Speaker 1 (01:48:06):
And Warren wants.

Speaker 6 (01:48:08):
To talk about Medicare versus Medicaid and just in a nutshell,
Medicare is what you get when you're older, it's from
Social Security Administration. And Medicaid is something you get when
you're poor or under a certain poverty level. Or excuse me,
at a certain poverty level. Warren, what is your question?

Speaker 22 (01:48:30):
Yeah, I was just curious. I'm just turned sixty this year.
I'm still working, but when can you start taking I
guess is it Medicare?

Speaker 1 (01:48:40):
Yes, it's Medicare as you get older. What is the
eligible age guys for Medicare at Integer insurance. By the way,
Integer Insurance. Our guests today, John or John, what is
the eligible age for medicare?

Speaker 8 (01:48:54):
So, for most people at age sixty five, but if
you've been disabled on Social Security disability for two years,
you'll be automatically enrolled in Medicare if you're even if
you're under the age of sixty five.

Speaker 1 (01:49:06):
So, but for most people, it is age sixty five.

Speaker 22 (01:49:10):
Okay, that answers it, so and real.

Speaker 1 (01:49:12):
Quick, just to some specifics.

Speaker 8 (01:49:14):
Yeah, so about six months prior to turning sixty five,
that's when, and you're going to be getting marketed, probably
heavily even before that, but six months that's when you
really can start looking into it. And then three months
prior is when you if you're taking Social Security benefits,
then you are automatically enrolled in Medicare A and B
and you'll get the card in the mill about three

(01:49:35):
months before turning age sixty five, and then if you're
not you need to apply. If you're not taking Social Security,
you need to apply for Medicare about three months prior
to your birth month, and your Medicare starts on the
first of your birth month, unless your birth month is
the first of the month, then it can start the
first of the month prior.

Speaker 22 (01:49:53):
So comparing likely it would be better when I turned
sixty five to do Medicare than like in insurance to
my employer. And I pay really high premiums and really
don't get honestly crap for it.

Speaker 6 (01:50:07):
I mean, what premiums are you paying right What premiums
are you paying right now?

Speaker 1 (01:50:12):
Warren?

Speaker 22 (01:50:13):
Well, I pay twelve hundred a month just for myself,
and it's through Blue Cross. Let's see, that's all right,
Spruce Shields Anthem.

Speaker 1 (01:50:22):
Let's put it this way, Warren.

Speaker 6 (01:50:24):
You can get part A Part B from the government.
Part B is taken out of your check. Plus you
can get a best supplement in the world, and you
will pay less than half of that.

Speaker 22 (01:50:36):
I know it's crazy, all right, that helps, all right,
But I got to wait tom sixty five because I
just turned sixty so.

Speaker 1 (01:50:44):
So you're still a young man.

Speaker 22 (01:50:47):
Feeling older, laire Tom, But thank.

Speaker 6 (01:50:49):
You, yes for trust me. I want just to be
sixty five again. Oh my goodness, boy, would that be nice?

Speaker 10 (01:50:57):
Huh?

Speaker 6 (01:50:59):
Okay, stop that. Hey, So here's the bottom line. I recently,
speaking of age, I thought, you know what, I'm gonna
do a password manager. So it's synced across all my devices,
so you know, some were saved on Chrome, some was
saved on my cell iPhone, some was saved on my U,

(01:51:21):
some were saved on my iPad.

Speaker 1 (01:51:24):
Whatever. Okay, So I got Nord passed, and then it
suddenly occurred to me.

Speaker 6 (01:51:30):
All of my passwords, every password I have is now
accessible with one password that someone can hack and get
every one of my passwords. So I don't get Actually,
although I subscribe to Nord pass, I guess I don't
get it because now what used to be one hundred
or one hundred and fifty different passwords now everyone can

(01:51:54):
get with one password.

Speaker 1 (01:51:57):
So I don't get it.

Speaker 6 (01:51:58):
I guess I'm I'm I signed up for it. I
downloaded all my passwords and went out and found my passwords,
and now I have one app that if someone hacks
they can get every password I have, so I'm not
so sure Password Manager was.

Speaker 1 (01:52:17):
What I really needed.

Speaker 6 (01:52:19):
But I did try to trick people because my Nord
password is password. But instead of the OH, I put
the zero in there to trick everybody.

Speaker 1 (01:52:29):
So I don't think I have to be I don't.

Speaker 6 (01:52:31):
I think what I might do is password and make
the two s's dollar signs and then make the O
a zero. I think that might thwart everybody password that way.
But anyway, another thing, By the way, have you guys
ever heard of true bill?

Speaker 1 (01:52:49):
True bill? And this is serious.

Speaker 6 (01:52:53):
I did sign up for a true bill, and true
bill is where they monitor your accounts and your credit
cards to see recurring bills, to see if you really
want to subscribe to certain things, and they help you
manage subscriptions through one source. But I swear to God

(01:53:16):
when I signed up for true Bill, here's what it said.

Speaker 1 (01:53:20):
You get a thirty day.

Speaker 6 (01:53:21):
Trial and after that choose your monthly payment.

Speaker 1 (01:53:25):
I'm serious.

Speaker 6 (01:53:27):
It says, do you think do you want to pay
six dollars, nine dollars, twelve dollars or fifteen dollars? So
I ask AI, why am I getting a choice? True
bill operates this way, you pay what you think is
fair and not a penny more, and you get the

(01:53:49):
full service.

Speaker 1 (01:53:50):
So Mark, I'm going to ask.

Speaker 6 (01:53:51):
You straight up, would you ever put down twenty dollars
if you could pay six and get the same exact service.

Speaker 7 (01:53:58):
Would I ever put down twenty dollars?

Speaker 13 (01:54:00):
Yeah?

Speaker 1 (01:54:00):
Yeah, it allowed. When you sign up for true Bill.
Anybody out there who has True Bill and I did
sign up for it.

Speaker 6 (01:54:07):
It gives you a choice of what you want to
pay per month. It doesn't alter your service. You get
the premium service. You truly get the premium service, and
all you have to do is put down how much
you want to pay for it. So I don't even
know who would pay for more than the minimum. The
minimum is six dollars, and it says if you think
six dollars is fair, that's what you pay.

Speaker 1 (01:54:30):
Well, that's weird. It's the weirdest thing I've ever I
thought it was a joke, so I asked Ai.

Speaker 6 (01:54:35):
I said, wait a minute, my True Bill subscription is
asking me what I want to pay every month, So
would you choose I chose six dollars, Why would I
choose ten or twelve?

Speaker 1 (01:54:46):
Anyway? And that's a truth real quick.

Speaker 7 (01:54:49):
On your password question though, Yeah, you got to look
at it this way. If you keep it into word
documents somewhere, all your passwords like a drop dead list. Yeah,
the reason not to have that is, or the reason
to have something like nord pass or password one or
whatever you use, it's because of the encryption level on that.

(01:55:10):
So it would be very hard for someone to get
to all your passwords compared to if you kept them
in an email or a word.

Speaker 1 (01:55:17):
Doc Right it written somewhere, right, I get it. Yeah, yeah,
but all but if they have my master password for
nord then they have everything.

Speaker 13 (01:55:28):
Yeah.

Speaker 7 (01:55:28):
But if that had the master password for your word
doc for your drop dead Oh yeah, I get.

Speaker 1 (01:55:33):
What you're saying. I get what you're saying. But there's
more encryption with nord pass. I get it. I get
exactly what you're saying. Mark has a question on supplements.

Speaker 17 (01:55:42):
Go ahead, Mark, Hey, thanks, guys.

Speaker 10 (01:55:46):
I'm going to be on the VA medicals.

Speaker 22 (01:55:49):
Do I need to sign up for Medicare and then
muscle the supplements?

Speaker 1 (01:55:54):
How old are you right now?

Speaker 22 (01:55:56):
I'm sixty three.

Speaker 1 (01:55:58):
Are you on disability?

Speaker 18 (01:56:00):
No?

Speaker 14 (01:56:01):
Huh?

Speaker 1 (01:56:02):
And what will you be on? What do you mean?
VA medical I'm.

Speaker 11 (01:56:06):
A veteran, so I get coverage through the Veterans Administration.

Speaker 6 (01:56:12):
Okay, guys, what happens to veterans who are covered under
VA and they turn sixty five?

Speaker 8 (01:56:20):
So there's separate systems you don't have to So it's
worth a conversation, certainly to see what your different options
are when you do become Medicare eligible. You can have
both VA Medicare benefits. But again they're separate systems, and
so does.

Speaker 7 (01:56:35):
One trcare John One can be yeah, try care right,
try care for life or what you so, so again
it's it's it's worth the conversation.

Speaker 8 (01:56:45):
There are specific plans that are built, whether it's Medicare
advantage for example, that are built for veterans, so in
designs that are MA only or Medicare advantage only that
do not include the prescription drug covers because you get
that through your VA benefits. So it's really it's what
you more want it to be. And access to care

(01:57:08):
outside of the VA, for example, versus only within the VA.
So there's there's a lot to discuss there, or at
least a few things to discuss to see what you're
really looking for and what you're wanting to do.

Speaker 6 (01:57:20):
But what you're saying is if they wanted to keep
their VA health, they don't have to get Medicare correct
and would it be considered would it be considered an
eligible plan so they're not penalized later on they want
to switch to Party and.

Speaker 8 (01:57:40):
Part of you still generally must sign up for Medicare
Part A and Part B. I'm thinking with the advantage
plans or the supplements or things like that, that those
are not. But but for Medicare Part A in Part B. Yes,
you generally must sign up for Medicare Party and Part
B when you are first eligible.

Speaker 6 (01:57:55):
Okay, even though you have the vacare correct and does
the vacare become like a supplement?

Speaker 1 (01:58:01):
Pretty yeah? But they don't coordinate, Okay, I see all right?

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Speaker 6 (01:58:49):
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Speaker 1 (01:59:13):
Hi toalm Marsino, You're a troubleshooter Integer insurance in the house,
answering questions about health insurance and open enrollment Medicare open
enrollment coming up and then in a couple of days
here and then regular open enrollment and without look at
don't even try to keep track of it. Just know this.
This is the time of year you got to start

(01:59:33):
making decisions on health insurance because you don't get to
make changes during the year unless there's a major life
changing event. Hey, I've got a.

Speaker 7 (01:59:42):
Question for him, So what is going to be the
average this year of price increases? You know, I know
we have basically the affordable healthcare credits and the big
beautiful bill, and we don't know what's going to happen there.
So I know it's kind of an open ending question
with tax credits and everything else, but really, what is

(02:00:03):
the average increase going to be?

Speaker 8 (02:00:05):
So, not taking into account those things tax credit subsidies,
the average rate increase, it looks like it's going to
be between fifteen and thirty percent, depending on the carrier
and your rating area and.

Speaker 1 (02:00:15):
Which carrier is bumping the most.

Speaker 7 (02:00:17):
And then the last and the other question on this
chat is how do we know, Like we have Kayser,
they haven't called me right.

Speaker 9 (02:00:24):
So we're still waiting.

Speaker 8 (02:00:25):
And this is there's a lot of a lot of
delays and the Division of Insurance has allowed carriers to
continue to refile rates really based on all this uncertainty
about these tax credits and subsidies, and so we don't
have final final rates for twenty twenty six yet, so

(02:00:46):
but you will see between fifteen and thirty percent rate increase. Now,
if you're getting something obviously that's not in the impact
is a lot is not nearly that if you're getting
a tax creditor subsidy. But if you're not getting a
tax credit or subsidy, then that's where you're going to
fall in. And again, it just depends on the carrier
and depends on the rating area that you live in.
So just be on the lookout for that renewal for

(02:01:12):
that information.

Speaker 1 (02:01:14):
There's again just delays.

Speaker 8 (02:01:15):
We're trying to wait to see are they going to
extend these enhanced subsidies or at least a version or
some form of these enhanced subsidies to help keep costs
lower for consumers.

Speaker 9 (02:01:27):
It just remains to be seen.

Speaker 7 (02:01:28):
Well, one of the best ways is you just do
it to people that have paid into the system forever.
I mean really, I mean that money is diverted somewhere.
I don't know why we divert money in the state
of Colorado except for people that live here legally. Honest
to God, I just don't get it.

Speaker 13 (02:01:45):
John.

Speaker 7 (02:01:45):
I know I'm not asking for your opinion on it,
but it's crazy. I know the state has something what
is the healthcare the free healthcare for illegals called here.
What's the name of it. I know it's not on
the exchange, but it's something else.

Speaker 8 (02:01:59):
So through Colorado connect there there's something called Omni.

Speaker 9 (02:02:04):
Salute yea, that's Salute.

Speaker 8 (02:02:06):
And it's like a billion dollars and so and there's
I mean, there's nuances and there's a lot that goes
into that as well.

Speaker 9 (02:02:13):
But that's that's that's getting cut.

Speaker 8 (02:02:14):
I mean there's not completely, but there's it's it's reducing
the amount of people who become are able to enroll
in that program for next year. So and there's it's complicated.
I mean, everything is complicated, right. You have the first
two years of the after the American Rescue Plan Act
was passed and enhanced subsidies were we were put into

(02:02:35):
place so more people qualify for TACH credits.

Speaker 1 (02:02:37):
I think it cost the.

Speaker 8 (02:02:38):
Government seventy billion dollars and then over ten years now
they're saying it's three hundred and fifty billion dollars to
continue to.

Speaker 1 (02:02:44):
So you can't you can't keep doing it.

Speaker 8 (02:02:45):
Right, But at the same time, on the other side
of the coin is that doesn't hit the wall the
everyday wallet of the consumer where a one hundred plus
percent rate increase and I can't afford insurance anymore? Does
hit the every day wall of the consumer. So there
there's got to be a hoping we are. I think
everybody in this industry is hoping that there's some type
of compromise and solution that that does reign and cost

(02:03:07):
some but also helps keep premiums lower for people so
they don't lose their health insurance.

Speaker 2 (02:03:11):
All right.

Speaker 1 (02:03:12):
Mike has a question on Medicare Go ahead.

Speaker 23 (02:03:14):
Mike, Yeah, So currently I'm on A, A and B
and I want to sign up for a Plan G.

Speaker 12 (02:03:26):
My two questions are.

Speaker 23 (02:03:29):
Are there any pretty existing conditions that go to in
fact when you move to a Plan G plan? And
then secondly, is there a time frame before the Plan
G becomes activated?

Speaker 8 (02:03:39):
Is this your initial enrollment period? So you just turned
sixty five? Are going to be turning sixty five?

Speaker 12 (02:03:46):
Sixty five last year?

Speaker 1 (02:03:47):
So I've been on AMB just he just had straight
A and B with no supplement. He wants to know
if he goes to a supplement now a Plan G,
do they take into consideration underwright waiting for pre existing conditions?

Speaker 8 (02:04:01):
Yes, sir, because you're outside of your initial enrollment period
and so so we would have to go through health
questions for that.

Speaker 1 (02:04:11):
For that Plan G.

Speaker 23 (02:04:15):
So it's like a buying for any at this point.

Speaker 1 (02:04:19):
Yes, yes, sir.

Speaker 8 (02:04:20):
Now now in Medicare advantage plans, No, like it's ANNUALE
enrollment period starts in a couple of days, You're not
going to be asked you you will not be asked
any health questions for those policies. But for a Medicare supplement,
you're outside of your your initial enrollment period, so you
will be asked health questions on the application. As far
as coverage, if approved, most carriers, most carriers are you're

(02:04:44):
going to be covered fully on that Plan G from
the get go. Some have uh waiting period waiting a
six month basically for those pre existing conditions. But that's
or if there are any pre existing conditions that that
you're still not declinable, you can get the policy, but
there could be a waiting period of six months on

(02:05:05):
coverage for that. So but that's where we have that conversation.
We know which carriers, we know those options and and
can can move you accordingly.

Speaker 1 (02:05:14):
Tom Hey, Mike, is there any reason you believe you
may not be eligible? Good question?

Speaker 23 (02:05:21):
Uh, No, I do have a surgery that I want
to get done, a hip surgery, so I was just
trying to determine and now if how long I would
have to wait for that hip surgery if I tried
to go to a Plan IN or a Plan g H.

Speaker 8 (02:05:35):
One of the questions, one of the questions on applications
is going to be going to be have you been
advised by a member of the medical profession of you
know of a medical service that has not yet been performed?
So if it's in your your medical records that this
is something that needs to be done, that puts the
kabation correct. Now, you still do have Medicare A and B.

(02:05:58):
I mean, you still have the benefit structure of Medicare
A and B.

Speaker 7 (02:06:03):
But John, these are the questions, honestly, why we haven't
been good at given the number I'm going to give
it out here, but everybody's individual, I mean, these are
the kind of questions you guys.

Speaker 1 (02:06:13):
Take every day.

Speaker 8 (02:06:14):
And even Medicare advantage puts you into something where it
gives you a max out of pocket. So you know,
if that was your only option right now, you could
always do something like that and have what done need
that you have done and then move to a supplement,
you know what I mean.

Speaker 1 (02:06:30):
Case, So that let me ask you this.

Speaker 6 (02:06:33):
If Mike doesn't qualify because of this surgery, once he
has the surgery done, can he come back next enrollment
period and get a plan G potentially?

Speaker 9 (02:06:44):
I mean, of course we'd have to go through all
the medical questions.

Speaker 7 (02:06:49):
Okay, all right, let's take a break. But Neil has
got a question too coming up. But let's take a
quick break time. By the way in tagerinsurance dot com.

Speaker 1 (02:06:57):
Call up.

Speaker 7 (02:06:58):
These guys know more about it than any buddy I've
ever met. Suzanna and I have used him for ten
plus years. Tom's used him just as long, if not longer.
Three oh three four sixty six fifty five hundred and
now it's a great time to call, right guys, because
open enrollments two days away. Call before it's insane three
oh three four sixty six fifty five hundred.

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Speaker 1 (02:07:57):
Hi Tom Marts. You know here.

Speaker 6 (02:08:01):
Back with Mark Major in the gang and are professionals
from Integra Insurance and Neil has a question on insurance?

Speaker 1 (02:08:10):
Go ahead, Neil, yes.

Speaker 10 (02:08:12):
Good afternoons, gentlemen. Yeah, I have a question. I've been
with a union for six years. We're under a group plan.
It's SIGNA. I turned sixty five in April, and I'm
really confused. Do I actually have to join up with
A and B if I'm through a union or if
you can advise me?

Speaker 8 (02:08:32):
No, sir, you do not have to as long as
you have creditable coverage through an employer group plan and
there's more than twenty employees. There has been, so if
there's less than twenty employees, then yes you do have
to elect Medicare A and B. But if there's more
than twenty employees, then you don't go ahead and do
Part A. It doesn't matter, it's free, that doesn't really

(02:08:54):
impact anything. You can go ahead and enroll in Medicare
Part A, but you can you can withhold Medicare Part
B for now and as long as you're on that
employee plan or employer plan group plan, and then when
you come off of that plan, you can elect Medicare
Part B at that time and go full Medicare and
Medicare and look at your options with supplements, advantage plans,
any of that.

Speaker 10 (02:09:17):
And how do I go Part A?

Speaker 12 (02:09:20):
Do go and talk to you or.

Speaker 8 (02:09:22):
No, no medica So you do that through Social Security
and you can do it online. You can roll on
Medicare Part A just online through Social Security.

Speaker 7 (02:09:30):
Hey, just real quick, I want to say something really
to everybody listening out there. They're getting bombarded right now,
John with TV commercials left and right.

Speaker 1 (02:09:40):
Call up.

Speaker 7 (02:09:40):
There's a lot of changes, you know, the whole fire
to make that phone ring. If you want people that
are local, you want people that can answer all the questions,
and probably the most important people it Integer Insurance. It'll
actually listen to you and figure out what's best for
you from basic information to anything like this guy. That's

(02:10:00):
why we love these guys. And I'm being serious to
everybody in this room and everybody listening. You call up,
you get the real advice three h three four sixty
six fifty five hundred Go ahead, Tom.

Speaker 6 (02:10:12):
Yeah, So on your question, Neil, Part A is something
everyone gets free. Part B you don't have to sign
up for, but you must have another plan in place
that Medicare recognizes. If you don't, then when you want

(02:10:34):
to get Part B later on, it will be cost prohibitive.
So because there are a lot of penalties. But you
mentioned something John that in order to have coverage and
not have the B, the coverage has to be for
a large group, not a small group.

Speaker 1 (02:10:53):
Is that right?

Speaker 8 (02:10:55):
Well, I mean twenty one employees are still technically by
definition of small group. But yes, you do have to
get to be able to stay or to stay on
your plan through your employer and not elect. Have to
have to elect Medicare both Medicare A and B. The
employer has to have at least twenty one or over
more than twenty employees. If it's less than twenty employees.

(02:11:16):
So if you work for a small what would be
considered maybe a micro group, then you do need to
elect Medicare Part A and B when you turn sixty.

Speaker 1 (02:11:23):
Five, so he would Yeah, that's really important that's really
important that if you work for a very small company
under twenty one in the plan, you cannot take that plan,
or under twenty you cannot take that plan instead of
Part B. You must sign up for Part B. Otherwise
you risk penalties if.

Speaker 7 (02:11:44):
You're not using like in his case, Neil's case, if
it's over twenty one and he's not using that, he's
using whatever insurance he has through this union or whatever.
Do you still pay if you're still employed? Do you
still pay for Medicare taxes?

Speaker 1 (02:12:00):
Sure?

Speaker 7 (02:12:01):
You do, no matter what I mean.

Speaker 1 (02:12:04):
But you don't. You don't pay for Medicare Part B
unless you take Medicare Part B. I'm not understanding your question.
They don't take out of your social discots. No, God, no, no.

Speaker 8 (02:12:13):
If you don't elect Medicare party, then no, you're not
paying for Medicare Part B until you elect it.

Speaker 1 (02:12:17):
Got it?

Speaker 6 (02:12:19):
But remember you the only way you should not elect
B is if you have a plan that Medicare recognizes
as a viable plan. If it's not a viable plan
according to Medicare, and then you want to go back
to be five or ten years down the road, you

(02:12:40):
will be shocked. In fact, you won't be able to
afford it, so they make it almost impossible to get
if you don't get it when you're supposed to. And
when are you supposed to Either when you're sixty five
or when your viable plan is no longer available.

Speaker 1 (02:12:59):
That is that the way you would put it, John.

Speaker 8 (02:13:01):
Well, you'd have to be sixty five either way, right
or unless you've you've you know again, been on disability
for two years, but then you're automatically enrolled in medicarryan
be at that point.

Speaker 6 (02:13:10):
Yeah, And of course the best thing is to just answer.
It's just ask questions. Call these guys. That's why they're there.
Three h three four six six fifty five. Mike, what's
going on? This is a follow up from Friday. Some
kind of transmission problem. What's going on?

Speaker 2 (02:13:25):
Mike? Yeah, Hike.

Speaker 24 (02:13:29):
My I was at Costco a couple of months back
and somebody hit hit my truck on the passenger side rear.

Speaker 12 (02:13:38):
They took off.

Speaker 24 (02:13:39):
It was a hit and run, so I got an
insurance claim pending on it right now. After the uh
the impact, I was driving home and I noticed the
transmission felt like it was almost slipping or skipping.

Speaker 1 (02:13:56):
Yes, So so.

Speaker 24 (02:13:58):
The Uh, theture I submitted in the in the claim
that the you know, the transmission wasn't working right, and
they just denied it.

Speaker 1 (02:14:06):
Yeah, that's right.

Speaker 6 (02:14:07):
Normal, And they will they almost will never pay for
any mechanical How many miles on this truck.

Speaker 24 (02:14:16):
It's got like eighty six thousand?

Speaker 1 (02:14:18):
What year is it?

Speaker 7 (02:14:19):
Did you say to seventeen?

Speaker 6 (02:14:22):
Okay and eighty six thousand miles? Here's the deal. You'd
have to prove beyond. I mean, you really have to
prove that it was the collision that hurt your transmission.

Speaker 1 (02:14:36):
But before it would hurt your transmission, it would hurt
way other How are you even driving it if you
were hit that hard to hurt your transmission. Do you
have someone that will say it was caused by a collision.

Speaker 24 (02:14:51):
Yeah, it's in a transmission shop now. The guy that owns
the shop said he was gonna talk to the insurance
and let them know that something could have been you know,
slip or some steal or something could have been busted inside.

Speaker 11 (02:15:04):
You plugged the.

Speaker 24 (02:15:05):
ENDO machines and he ran some tests on it.

Speaker 12 (02:15:08):
He said it's definitely cooked.

Speaker 6 (02:15:09):
So Mike, and they said, no, Mike, it's very unlikely
this is your own insurance company, right, yeah, Okay, Let's
put it this way. Let's say the collision put it
over the end. Okay, but you had eighty plus thousand
miles on it. You're not going to get coverage on it.

(02:15:32):
I mean, they're just not going to do it. I mean,
I've seen people fight this time and time again. I mean, truly,
most likely the collision didn't do it, Mike. I mean
most likely it didn't because you would have way more
driveability problems than just the transmission. It wouldn't bypass the

(02:15:53):
rear end and go to the transmission.

Speaker 1 (02:15:55):
Was it hit in the rear?

Speaker 24 (02:15:58):
Yeah, right on the corner, right on the right.

Speaker 1 (02:16:00):
Rear, Okay.

Speaker 6 (02:16:02):
In order for it to really do something to your transmission,
you would almost not be able to drive it. I mean,
but you're still driving around in it, is that right?

Speaker 22 (02:16:12):
Yeah?

Speaker 24 (02:16:12):
I was driving it up until the transmission failed.

Speaker 7 (02:16:15):
To get a real affirmative, just bring it over to
Jeff at Kimera Transmission and he'll look at it and
tell you what happened.

Speaker 6 (02:16:22):
Even if, even if Jeff says this collision contributed.

Speaker 7 (02:16:26):
To the transmission going out with eighty thousand miles on
this transmission.

Speaker 1 (02:16:31):
Mike, you're not going to get anything. Bro. Tell me,
tell me what other damage was to the truck.

Speaker 24 (02:16:38):
Uh, well it bent to till Uh, the chail gates busted,
the rear light. Uh, pull the bumper in a little bit.

Speaker 6 (02:16:47):
How much are the repairs without the transmission?

Speaker 24 (02:16:51):
Uh, the bodywork and everything's going to be about five grand, okay?

Speaker 1 (02:16:56):
And what is your deductible? It's five okay.

Speaker 6 (02:17:01):
So if you put in this and you get forty
five hundred for repairs, even if even if you could
prove that one hundred percent of that that that that
transmission went out because of this collision, which I don't
think any any transmission person can tell you that, but
if they could. On an eighty thousand mile plus transmission,

(02:17:22):
you're only going to get a couple hundred bucks anyway.

Speaker 1 (02:17:25):
You're not going to get a new transmission. Yeah.

Speaker 6 (02:17:29):
I mean you may want to try it, but I would,
as Mark said, go to Kimmer Transmission.

Speaker 1 (02:17:34):
Well you have to get it.

Speaker 7 (02:17:35):
He's got to get it fixed anyhow, and Jeff's going
to have the best prices. I mean, just get her.

Speaker 6 (02:17:39):
Now, that's right, that's right. Uh, it's Kimmer Transmission over
on a Rappo and Jordan. I'm Tom Martinez. We have
more coming up on The Troubleshooter Show.