April 14, 2026

Community Partnerships & Business Growth: Local Leaders, Real Connections, Real Impact

Community Partnerships & Business Growth: Local Leaders, Real Connections, Real Impact
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Season 1

Episode 6 of MedicareHour & More with Peter features Presh Cox and Ryan Miller of Graze Craze, highlighting local partnerships and small business growth. Learn how Joseph Insurance Broker LLC collaborates with trusted businesses to deliver value and resources. Includes a special feature with realtor Christine Cheng, plus insights on entrepreneurship, networking, current events, and sports—because it’s more than Medicare. We Medi CARE!

MedicareHour & More With Peter! is broadcast live Tuesdays at 9AM PT on K4HD Radio - Hollywood Talk Radio (www.k4hd.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). MedicareHour & More With Peter! TV Show is viewed on Talk 4 TV (www.talk4tv.com).

MedicareHour & More With Peter! Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

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WEBVTT

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This program is designed to provide general information with regards

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to the subject matters covered. This information is given with

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the understanding that neither the hosts, guests, sponsors, or station

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are engaged in rendering any specific and personal medical, financial, legal, counseling,

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professional service, or any advice.

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You should seek the services.

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Of competent professionals before applying or trying any suggested ideas.

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Attention to individuals, families and caregivers. It's Medicare Hour and

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More with Peter right here on KOHD Radio. This is

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the podcast for all types of insurance solutions while specializing

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in Medicare because we Medicare. Here's your host, Peter R.

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Joseph. Hey, good morning, good morning, Good morning man. We

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made it to episode six. Can't believe it. We are

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rolling along here. Appreciate you guys listening. We are on

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Facebook Live and we also are on YouTube Live. If

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you have the app, you can download k four HD

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Radio to your smartphones and listen to me live there.

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We're also on Apple Podcasts several days after we air,

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so you can listen to us in so many different ways.

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Appreciate you supporters. We just looked on and our first

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episode has over twenty two hundred views, so obviously we

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are being listened to. So I appreciate all you guys

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listening in, our clients, our prospects, our colleagues in the industry,

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and anyone else who's listening in and wants more information

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about insurance. So, hey, we've got a different kind of

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show today. We've got some special guests. But you know,

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unfortunately some of our guests can't come on live because

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we are on Pacific time and some of our guests

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are in different time zones, so we end up recording

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the session with them and then putting it out there

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on our live show. So today we actually have two

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guests that we're going to be talking with. One her

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name is Prush Cox. The other one name is Ryan Miller.

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They are partners in crime. They are also owners of

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what's called Gray's Craze, a secuitary catering company out here

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in both Ontario, California as well as Corona, California. Again,

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we want to give special voices to our small businesses

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that we do business with, that we have relationships with,

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because we want to give those resources to our clients

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and prospects and our colleagues here in the industry, and

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that's why we bring them on to our show. So

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we are going to show that first clip of Prush

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Cox and Ryan Miller. Here we go. Oh okay, So,

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by the way, before we shout that clip, I do

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want to share that, you know, I'm a big basketball guru.

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My Lakers are unfortunately falling apart. If you haven't heard,

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Luca is hurt, Austin Reeves is hurt. So I'm not

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sure how far they're going to get in this series.

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But I'm excited about the playoffs. I think I honestly

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think this is one base year. I think the Spurs

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are going to take it all. I know Boston's probably

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going to get to the finals on the East Coast.

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I like Detroit. I just don't think they have a

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lot of experience. So but I'm excited to see how

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it plays out. Obviously, I think the Lakers might win

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that first round. I don't know if they're going to

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get any further than that, unfortunately. So all right, here

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we go. Here's our video with Presh Cox and Ryan Miller.

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All right, good morning everyone. We want to welcome Presh

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and Ryan. Welcome you guys to the show. We want

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to start with some introduction. So, Presh, since you're on

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here first, why don't you tell us a little bit

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about yourself and how Gray's praise came to Ontario.

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Oh, we actually Corona and Ontario.

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So awesome. Yeah, awesome.

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So Preshbox owner co owner of Grace Price for An

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on Ontario. We've been in the restaurant business between my

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business partner and I over sixty years and he started

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looking for something just kind of a little side hustle,

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and I asked him, are you taking me along for

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the ride? So we flew out to Washington, tried the

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food and fell in love with it and that's it.

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That's where we got here.

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Awesome, awesome. Well, Rian, I know Presh sent me some

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information on you. You've got thirty years experience in the

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restaurant industry, You've seen a lot, so tell us about

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your journey. What brought you into this partnership with Presh.

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Well, first off, you're making me, you're making me feel old.

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But yeah, thirty years.

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My journey started at a red lobster and riverside way

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back in the day as a busboy, and over those

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thirty years, I've done a tremendous amount of interesting and

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cool things. I worked for Disney for a while out

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Back Steakhouse, back Running, Grow Buffalo, Wow, Wings and and such.

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And now you know, we've got this journey with Grace.

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Grace which we've been on now for about two years,

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give or take, was when we really started walking down

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the path, and it's been fun and exciting. Prussia and

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I have worked together in the past on a couple

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of different occasions and just decided that this was the

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right time to maybe venture in and see if we

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could do something on our own, create our own business

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and with our own philosophy and our own way of

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taking care of our guests.

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So we're excited to share that with you all today.

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That's awesome. Thanks Ryan. And then how did you guys connect?

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What makes his partnership work? Anyone can answer?

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He let him?

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Okay, okay, Well, you know, I did get the Entrepreneurial

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book right right around COVID time, and I think COVID

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had I had an opportunity, did really kind of.

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I guess, you know, simmer on it a bit. So

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when I did.

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Start poking around, we'd looked at a couple of different opportunities,

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and I decided not to venture far from where we

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what we knew, which was food and grace. Grace was

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just this opportunity that we felt was right there for

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the taking. Really not a not a market for charcuterie

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boards and boxes at this point in time. So we're

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the largest and the most nationally known version of charcuterie.

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And you know, we.

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We walked down this path in twenty twenty four and

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opened up our first location in Corona in September of

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twenty five, and I'm sorry in September of twenty four,

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and then in September of twenty five we opened up Ontario,

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which is our second location, and just excited to continue

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to grow this in any way we can.

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All right, We actually met thirteen years ago. I walked

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into a Buffalo Wild Wings for an interview and that yeah,

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and then I continue to say yes in any venture

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that we do together. So it the relationship works. We

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pick up with the other lacks. So it's kind of

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why we chose to go on this venture together because

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we work very well together.

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I guess remember our parents our parent company is twice

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on Sunday, And it's because I've always told Fresh that

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I would pick her every day of the week to

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work with and twice on Sunday.

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Nice. Nice. So what sets your charcruiery offerings apart from

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traditional catering our food options.

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We put ourselves in the back. Yeah, we do. This

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is the relationship. So we pride ourselves in the fact

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that all of our boards are made to order, so

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there's nothing pre made. We deli slice all of our

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meats in house. We bake our own bread, We bake

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our own fennel spiced ham. All of our dips, chances

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and hummuses are made from scratch. The jams have fresh

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fruit in them, the roasted beat hummics, klipinia hummus, they're

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all baked in house. So that kind of what sets

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us apart from your traditional place. It's not drag cured meat,

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but sitting in some warehouse for god knows how long

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and you know you got to open it up and

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see it there We've done a sliced fresh that morning.

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Very cool. Well, what type of events or customers do

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you guys? Serve? Mainly anyone and every anyone.

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Okay, anyone and everyone.

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We've got anything from you know, you're just having you know,

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some friends over for football or if you're having girls' night.

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We've done baby showers, we've done weddings, we've done funerals.

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I mean, there's no stopping us for yeah, all of them.

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Okay, okay, very cool. Well, so we're all about you know,

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Joseph insurance broker. We're about spotlighting small businesses and we

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want to give you guys a voice. And obviously you know,

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I know Crush, I think I've known you for quite

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a while now, and I know we've had a connection

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through the chamber and so and then Brush actually helps

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me facilitate a community Facebook forum. So I appreciate your

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health in that you know, Gino Hills. So just telling

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all the businesses that are listening in right now, from

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an operator's perspective, what are some keys to building a

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successful business? Right and you can answer.

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First off, I'd like to apologize that you're that connected

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with Presh.

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I know sometimes that could be very difficult.

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But the Women's Chamber and then I'm going to lead

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to the Women's Chamber, so that's a great relationship you.

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I would I would say, you know, for anybody starting

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their own business, you know, it's uh, it's obviously has

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to be a labor of love. I mean the hours

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that are put in and the amount of work versus

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initially anyway, the amount of money coming back into the

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bank account is not is not.

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Conducive to health a living.

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So yeah, I mean, I you know, find something obviously

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that you're very passionate about because you're gonna be spending

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a ton of hours in it, you know.

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And for us, I think it was really important.

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That we, uh, we looked at our business as we

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wanted to elevate the customer experience.

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And part of that.

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Is is, you know, we we call it a plus

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one where let's just say, for instance, someone who get

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invites us and has us bring some circuitary boards for

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a baby shower. We will we will ask about, you know,

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is it a boy or a girl, what are some

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of the interests of the mom and dad, and try

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to kind of step that board up a bit from

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just a traditional board that we would give them. And

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again that plus one we think is really really important.

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For ourselves more importantly than anything.

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But also you know, I think our guest notice, we

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get a lot of thank you cards and a lot

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of just a lot of covedots in terms of hey,

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we appreciate you going above and beyond what a traditional

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you know, business would just do. And it's important to

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us that that we have that standing within with our customers,

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but also within the community. We try to do as

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much as we can to give back and be a

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part of that, uh, you know, being a part of

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the chamber and and doing a lot of the events

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that that they're involved with.

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I think is is very very important to us.

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And and it's the difference between owning your own business

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and working for someone who's maybe values and ethos don't

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line up with with what yours are, you know traditionally,

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whereas when when you own and start and create your

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own business, you can basically just design it anyway you'd

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like and do it the way exactly.

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The way you want to.

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That's awesome. Now, do you guys actually have storefronts in

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Ontario and growna Yes, you do? Oh awesome, Okay, okay,

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very cool. So how would people actually order from you guys?

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Is there a website people can go to? We're going

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to actually have your information scrolling across while this interview

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is happening. So a website, phone number? What's the best way?

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Is there a social site that you guys.

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Have all of the above, so graceprase dot Com is

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the easiest one. And then they could choose any of

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the locations, so either the Corona or the Ontario, whichever

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is closest to them. The phone, any either of the

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phones both bring through to me, so even if no

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one's in the store, we'll still get the call. Okay,

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And we are on Instagram and Facebook as well.

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As TikTok oh awesome. Is it under grays Craze or

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is there.

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Grace Craze dot Com on our Grace Phrase Corona and

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then Grace Space Ontario.

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Okay, okay? And then how do you guys maintain quality

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and consistency as you guys grow, because obviously you've been

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around for a little bit. Are there any values that

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you guys inherently you know follow.

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I can answer that, okay, Sara, I'm pretty passionate about it.

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First and foremost, A majority of the gals that and

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gentlemen that have worked for us our family. So that's

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really a cool thing that that we can really kind

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of protect our investment and protect you know what, what

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we we feel is important by just having you know,

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having precious daughter works for us. My stepdaughter works for us,

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my son worked for us for a while. I've had

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a niece that worked for us. So I think it

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starts with just.

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Hiring the right people that you know that are going.

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To feel the same way about you know, how you

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want to take care of the guests and how you

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want to take care of each other.

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I think that's really vital.

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And then once you kind of create that DNA woven

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in and then you start to add other people and

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blend them in, I think they kind of they kind

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of kind of just kind of fold into the mix,

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you know. I always like to say when I when

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I talk to people, it's like the in and out

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approach or the Chick fil A approach, and that is

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it does it just seems like they always hire the

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best people. And I don't necessarily think that's the case,

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But what they do is they create a culture that

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of expectation of guest service, and and that's just that's

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what it's demanded.

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You don't have an option to opt out of.

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That, for sure.

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I think also where all, I'll pick here with your

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food than we are with ours, so there won't be

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a strawberry a great or something that would end up

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on your board. It might end up in our mouth

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board because we truly take pride in what we're serving.

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That's awesome. Well, I appreciate both of you sharing your

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viewpoints on that because that's really important as our small

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businesses are listening in. You might have touched on this

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a little bit. But for anyone who's listening who's starting

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a business, especially in food our hospitality, what advice would

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you give them.

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Today from I would say, I think it's kidding.

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No, Ryan, Bryan, where'd you go?

274
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I know he's driving, Say madam, Yeah, Brian, you're still there.

275
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And that goes into start we lost started lately.

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Yeah, I have to start over and we lost him again.

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Okay can you hear me now?

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We can't?

279
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Yeah, okay, So yeah, I think that it's important to

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understand that, you know, at the beginning, the money will

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not fall from the sky. It is not going to

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be a uh a windfall, and and there's a tremendous

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amount of work that has to be done creating your

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customer base and and and making your presence known within

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the community.

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And uh I.

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Always I always tell Presh, you know, year three is

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the year that we really need to look at in

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terms of are we is this a viable business and

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are we going to make it? So give yourself three years,

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three solid years of work, uh, to see how it

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plays out. And we're you know, we're real confident that

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that's that's gonna be a good thing for us. We're

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trending in that direction. We've had several significant increases year

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over year in sales over the last several months, and

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we hope that that continues.

297
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That's awesome. I think that's true across the board with

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any business. I mean, I can speak from our experience.

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We started right before COVID hit. We went through uh,

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trial and error, and we were actually in debt for

301
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the first couple of years, and then our business just

302
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took off probably the last two years. So you definitely

303
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have to give yourself years. I agree with that. And uh,

304
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you're gonna You're gonna have some really rough moments too.

305
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I mean, they're there. We've had some pretty you know,

306
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heavy conversations and stuff. But I think it's healthy to

307
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have those, right. We need to be able to express

308
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how the others feeling and hear each other out. But

309
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you got to give it your all.

310
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You definitely do and you got to persevere. I mean,

311
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you're gonna hit those pitfalls and you can't. You can't relent.

312
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You got to have faith, and you got to surround

313
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yourself also with great business minds, right, I mean, you

314
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can't just do this alone. So obviously being involved with

315
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the chamber. That's awesome that you guys are doing that.

316
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All right, So we're gonna ask you guys just some

317
00:17:19.599 --> 00:17:21.359
personal things and then we're going to do a rapid

318
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fire to have some fun to end our segment. All right, yeah,

319
00:17:24.839 --> 00:17:27.559
all right? So so first of all, fresh outside of

320
00:17:27.640 --> 00:17:29.880
running your business, what do you enjoy doing.

321
00:17:31.599 --> 00:17:37.680
Nothing, no time for no no spending time with my

322
00:17:38.079 --> 00:17:41.960
my kids, my husband, but things that take me away.

323
00:17:42.160 --> 00:17:45.359
My daughter and I make bracelets together, so awesome, awesome.

324
00:17:45.400 --> 00:17:51.079
Yeah, and what about you, Ryan, I'm an avid baseball

325
00:17:51.119 --> 00:17:55.160
fan sports, oh yeah, but mostly baseball. And to take

326
00:17:55.160 --> 00:17:57.799
it a step further, I'm an avid fantasy baseball fan.

327
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So I'm in my element right now. And uh so

328
00:18:03.319 --> 00:18:08.119
I'm I'm unfortunately an Angel fan and a world of

329
00:18:08.160 --> 00:18:12.000
Dodger fans. It actually is really sad right now, but

330
00:18:12.279 --> 00:18:14.880
uh it is what it is. You know. Every year,

331
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we hope springs eternal, and you know, we we got.

332
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A chance again until about three weeks into it and

333
00:18:20.119 --> 00:18:22.759
then well, no we don't. But oh I love baseball,

334
00:18:22.759 --> 00:18:25.359
I love sports. I love spending time at home. I

335
00:18:25.599 --> 00:18:28.000
I do a lot around the house, gardening.

336
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I've got a.

337
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Beautiful family, and I've got a you know.

338
00:18:32.440 --> 00:18:35.160
A four year old yellow lab that won't leave me alone.

339
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So I spent a lot of time here at the house.

340
00:18:37.079 --> 00:18:40.279
Also, that's awesome. That's awesome, all right. So both of

341
00:18:40.319 --> 00:18:43.160
you can go back and forth rapid fire. So you

342
00:18:43.200 --> 00:18:45.400
don't have to say why, you just answer the question,

343
00:18:45.440 --> 00:18:48.559
all right, So presh, First of all, favorite go to

344
00:18:48.680 --> 00:18:50.480
snack are guilty pleasure.

345
00:18:50.079 --> 00:18:58.440
Food, andy twizzler, like the little bell bites for sure, Ryan.

346
00:18:59.400 --> 00:19:05.000
Oh Man, anything pastry, donut wise, just keep it away,

347
00:19:06.119 --> 00:19:06.440
all right.

348
00:19:06.599 --> 00:19:11.160
Crush early mornings or late nights, late night?

349
00:19:11.240 --> 00:19:13.400
Oh no, But you ask my husband and he tells me.

350
00:19:13.599 --> 00:19:15.160
He tell you that I sleep all the time, but

351
00:19:15.200 --> 00:19:18.200
I nap all the time. But I'd say late nights

352
00:19:18.240 --> 00:19:19.400
because of the industry.

353
00:19:19.720 --> 00:19:21.279
Okay, okay, Ryan.

354
00:19:21.480 --> 00:19:22.839
It's why it's why we work.

355
00:19:22.920 --> 00:19:25.720
I'm I am, I am early, I am get up

356
00:19:25.759 --> 00:19:27.799
and get after it. And when the sun sets is

357
00:19:27.799 --> 00:19:32.480
when I'm going to bed. No, but fairly shortly after that.

358
00:19:34.440 --> 00:19:37.440
Nice, nice, all right, it's coming up in nap times, so.

359
00:19:40.160 --> 00:19:40.599
All right.

360
00:19:40.680 --> 00:19:43.279
A favorite local restaurant crush?

361
00:19:45.079 --> 00:19:51.359
Oh hm, anything Mexican, honestly, okay, yeah, anything Mexican.

362
00:19:51.599 --> 00:19:52.640
I love it. Ryan.

363
00:19:54.359 --> 00:19:56.200
I live in Yorba, Linda, and we've got a couple.

364
00:19:56.200 --> 00:19:59.880
We've got reunion kitchen and the stand that are our

365
00:20:00.039 --> 00:20:01.759
really cool cool out here.

366
00:20:01.880 --> 00:20:03.640
So I love the stand. We've got to stand out

367
00:20:03.680 --> 00:20:04.000
here too.

368
00:20:04.960 --> 00:20:09.359
Yeah, yeah, you got that, all right.

369
00:20:09.480 --> 00:20:14.000
Last question, one word that describes your work ethic rush

370
00:20:14.160 --> 00:20:19.440
one word go first? All right, you could go first run.

371
00:20:19.880 --> 00:20:28.440
This is easy. This is easy, delegate. That is so true.

372
00:20:32.200 --> 00:20:34.319
They called me so just so you know, they call

373
00:20:34.400 --> 00:20:36.240
me the Tom Sawyer. I don't know if you're familiar

374
00:20:36.279 --> 00:20:38.759
with Tom Sawyer. And he had to paint, he had

375
00:20:38.759 --> 00:20:40.799
to paint the fence, and he ends up getting all

376
00:20:40.839 --> 00:20:42.359
of his friends to do it for him.

377
00:20:42.440 --> 00:20:51.480
That's man, I don't know, brying you do you answer

378
00:20:51.559 --> 00:20:51.839
for me?

379
00:20:52.440 --> 00:20:56.079
No way, I am not answering the trap for sure,

380
00:20:56.759 --> 00:20:58.400
No way.

381
00:20:59.680 --> 00:21:07.759
No, I'm relightless. Those two words. I mean, that's good.

382
00:21:07.839 --> 00:21:08.200
All right.

383
00:21:09.200 --> 00:21:11.839
Last question for both of you. Why should Gray's Craze

384
00:21:11.880 --> 00:21:13.000
be on their list?

385
00:21:15.960 --> 00:21:16.160
Right?

386
00:21:16.599 --> 00:21:18.920
You know, we we have we have a saying that says,

387
00:21:18.920 --> 00:21:23.119
we celebrate you, and I think it's important as we,

388
00:21:23.200 --> 00:21:25.880
you know, in life, that we celebrate the things in

389
00:21:25.920 --> 00:21:29.039
life that make us happy and we want to be

390
00:21:29.079 --> 00:21:30.880
there to help you with that and make it easy

391
00:21:31.000 --> 00:21:33.559
and more enjoyable and just stepping up a bit. So

392
00:21:33.920 --> 00:21:36.920
for us, it's just you know, celebrating whatever you're celebrating.

393
00:21:37.519 --> 00:21:40.599
Awesome, Awesome, They're wonderful stories through food.

394
00:21:40.640 --> 00:21:43.359
Sorry, that's mine, great stories through food. We're the new

395
00:21:43.400 --> 00:21:45.880
water cooler, right, everyone used to way back in the day.

396
00:21:45.920 --> 00:21:47.799
We're aging ourselves facing that we all used to gather

397
00:21:47.880 --> 00:21:51.240
around water coolers and talk. And that's what food's about.

398
00:21:51.400 --> 00:21:52.759
Food brings people together.

399
00:21:53.759 --> 00:21:56.599
Awesome, awesome. Well, thank you both for being on our show,

400
00:21:57.559 --> 00:22:00.559
for sharing your stories and for building here in our

401
00:22:00.599 --> 00:22:04.200
community of Ontario and Corona. To our listeners, Supporting local

402
00:22:04.240 --> 00:22:07.720
businesses isn't just about buying a product, it's about investing

403
00:22:07.880 --> 00:22:11.079
in your community. So this is Medicare Hour and More

404
00:22:11.119 --> 00:22:13.319
with Peter, where we bring you more than just Medicare.

405
00:22:13.400 --> 00:22:16.519
We bring you to people and businesses shaping our community.

406
00:22:17.079 --> 00:22:19.319
Thank you both, Thank you Ryan, thank you Prey.

407
00:22:19.119 --> 00:22:23.079
Thank you, thank you for having us.

408
00:22:23.599 --> 00:22:24.160
Thanks Peter.

409
00:22:26.359 --> 00:22:29.839
All right, I hope you guys enjoyed that interview. I

410
00:22:29.880 --> 00:22:33.519
really love both of those guys. You know, it's good

411
00:22:33.519 --> 00:22:38.839
to hear how businesses have struggled. It's not just any business,

412
00:22:39.039 --> 00:22:44.160
it's across the industry, especially COVID hit really throw people

413
00:22:44.200 --> 00:22:48.720
for a loop that you know, business is hard and

414
00:22:49.160 --> 00:22:53.119
it takes uh an army, it takes a village. You know,

415
00:22:53.279 --> 00:22:55.119
you don't want to do this on your own. You

416
00:22:55.160 --> 00:22:58.039
want to connect with colleagues that have gone through these

417
00:22:58.079 --> 00:23:01.480
trials and struggles. We all go through debt. I mean,

418
00:23:01.519 --> 00:23:04.880
that's a necessity, it seems like in business before you

419
00:23:04.960 --> 00:23:08.359
come out on the other side. So you know, don't fret.

420
00:23:08.359 --> 00:23:11.599
If you are starting a small business like myself or

421
00:23:11.640 --> 00:23:15.200
like Prussian Ryan, you'll get through. You can always reach

422
00:23:15.240 --> 00:23:20.079
out to me for advice. I've been through hell and back,

423
00:23:20.160 --> 00:23:24.559
so you know, obviously I'm still here survived. Our business

424
00:23:24.680 --> 00:23:28.920
is thriving now, so we will help you through that.

425
00:23:30.000 --> 00:23:34.759
And again you can find their information. Grayscraze dot com

426
00:23:35.039 --> 00:23:39.039
is where you will find all their information. You know,

427
00:23:39.160 --> 00:23:41.640
even if you're doing, like let's say you're a colleague

428
00:23:41.640 --> 00:23:44.599
of mine, you're in the medicare space and you're doing

429
00:23:44.640 --> 00:23:50.119
a a seminar for those turning sixty five, or you're

430
00:23:50.119 --> 00:23:54.000
doing a conference for your agents and a training. That's

431
00:23:54.039 --> 00:23:57.160
a great place to have food for you know, you

432
00:23:57.200 --> 00:24:01.920
can cater your event with Secuitary. They've got all kinds

433
00:24:01.920 --> 00:24:05.200
of things you can look on their website and it's

434
00:24:05.240 --> 00:24:08.640
it's very affordable. So I would highly recommend them for

435
00:24:08.759 --> 00:24:13.799
your future events. All right, so before we go on

436
00:24:14.039 --> 00:24:17.400
to our next interview, we're going to show you how.

437
00:24:17.519 --> 00:24:20.519
You know, we've been talking about how to enroll into

438
00:24:20.559 --> 00:24:25.839
Medicare and it seems complicated, but it really isn't. We

439
00:24:26.119 --> 00:24:28.160
We try to dumb it down as much as we can.

440
00:24:28.640 --> 00:24:31.000
We make it simple for you guys. We walk you

441
00:24:31.039 --> 00:24:51.319
through the steps. Check out this commercial. That's it. I mean,

442
00:24:51.359 --> 00:24:53.920
you can enroll simply from home, believe it or not.

443
00:24:54.519 --> 00:24:58.200
COVID actually trained all of us to do zoom meetings

444
00:24:58.839 --> 00:25:04.200
and own appointments and that still works till this day,

445
00:25:04.359 --> 00:25:06.200
and so a lot of my clients, I mean, we

446
00:25:06.240 --> 00:25:08.960
do still meet in person. I love meeting people in person.

447
00:25:09.440 --> 00:25:12.119
They come over to our place of business, or I

448
00:25:12.240 --> 00:25:17.079
go to their homes to conduct appointments. But obviously you

449
00:25:17.119 --> 00:25:20.200
can do this over the phone. We do this compliantly

450
00:25:20.279 --> 00:25:25.160
by recordings, and we just collect your information. We submit

451
00:25:25.200 --> 00:25:28.480
the application for you, guys. You get a confirmation email

452
00:25:28.920 --> 00:25:30.720
and then we send you stuff in the mail, and

453
00:25:30.759 --> 00:25:33.279
then the carrier that you sign up with will send

454
00:25:33.319 --> 00:25:37.359
you your insurance card. It's that simple, so don't fret.

455
00:25:37.440 --> 00:25:40.680
We will do whatever it takes to help you get

456
00:25:40.720 --> 00:25:44.640
onto medicare, whether it's at home, through zoom in person,

457
00:25:45.319 --> 00:25:48.400
We're right there for you guys. All right, So this

458
00:25:48.720 --> 00:25:52.759
next video, we were interviewed by Christine Chang, a local

459
00:25:52.839 --> 00:25:57.160
realtor here. We actually were a part of what's called

460
00:25:57.200 --> 00:26:00.680
B and I at a networking group for small businesses.

461
00:26:00.920 --> 00:26:03.200
I'm no longer a part of that group, but she

462
00:26:03.519 --> 00:26:06.039
is and she's knocking it out of the park. So

463
00:26:06.160 --> 00:26:09.759
she wanted to interview our business and what we're all about.

464
00:26:10.039 --> 00:26:12.680
So please watch this video. We showed some of it

465
00:26:12.759 --> 00:26:14.400
last week, but we're going to show the rest of

466
00:26:14.440 --> 00:26:20.039
it today. Hi Peter, Hey Christine, how are you.

467
00:26:20.599 --> 00:26:21.079
I'm good?

468
00:26:21.079 --> 00:26:21.559
How are you?

469
00:26:22.119 --> 00:26:22.599
I'm good?

470
00:26:23.039 --> 00:26:28.000
I'm it's going well, it's my birthday today, so I'm

471
00:26:28.039 --> 00:26:31.920
kind of celebrating a couple of things. But I've had

472
00:26:32.240 --> 00:26:35.359
some great conversations with some clients this morning, so it's

473
00:26:35.400 --> 00:26:36.079
been a good day.

474
00:26:36.759 --> 00:26:39.039
Sounds good. Happy birthday. And I see that your kids

475
00:26:39.039 --> 00:26:40.359
made you breakfast this morning.

476
00:26:40.960 --> 00:26:42.000
They did, they did.

477
00:26:42.039 --> 00:26:43.839
That was an exciting surprise this morning.

478
00:26:44.400 --> 00:26:47.960
That's that's so cool. Well, thank you for joining me

479
00:26:48.000 --> 00:26:51.480
today in this interview, because I've had so many people

480
00:26:51.599 --> 00:26:54.880
reaching out to me about medicare and what to expect

481
00:26:54.960 --> 00:26:58.160
and their loss and I perfect because I know you

482
00:26:58.240 --> 00:27:01.640
and I know that you'd be the perfect person to

483
00:27:01.720 --> 00:27:04.079
talk to. So so I just want to thank you.

484
00:27:04.039 --> 00:27:04.880
For joining me today.

485
00:27:05.440 --> 00:27:08.920
Of course, let me share a little bit about Peter

486
00:27:09.240 --> 00:27:13.079
to the group. Peter is an Egyptian American and has

487
00:27:13.839 --> 00:27:16.759
been married for seventeen years to his beautiful wife, Bonnie.

488
00:27:17.240 --> 00:27:21.799
She is a supervisory social worker for the State of California.

489
00:27:22.200 --> 00:27:25.720
They have two amazing kids, Noah Liam aged five and

490
00:27:25.839 --> 00:27:29.680
Julia Grace, aged ten. He was in the nonprofit sector

491
00:27:30.000 --> 00:27:33.400
and a pastor for twenty two years. He then transitioned

492
00:27:33.440 --> 00:27:37.440
into the insurance industry for three years. Peter's family was

493
00:27:37.480 --> 00:27:41.119
featured in a local magazine in February of twenty twenty

494
00:27:41.640 --> 00:27:45.680
neighbors of West Chino Hills for the business they work

495
00:27:45.799 --> 00:27:49.079
and the impact in their community. He was also featured

496
00:27:49.160 --> 00:27:53.000
on Biz TV Los Angeles for an interview about Medicare.

497
00:27:53.640 --> 00:27:56.559
He is also an ambassador for Chino Valley Chamber of

498
00:27:56.559 --> 00:27:59.880
Commerce since February of twenty nineteen and a member of

499
00:28:00.039 --> 00:28:04.119
the B and I Chino Valley Strategic Alliance Group. Peter

500
00:28:04.279 --> 00:28:06.759
is looking out for the best interest of seniors. He

501
00:28:06.839 --> 00:28:11.000
has no bias toward any carriers. Peter works with all

502
00:28:11.039 --> 00:28:18.720
the top star rated plans. He's contracted with scan, United Healthcare, Anthem, Humana,

503
00:28:19.279 --> 00:28:25.039
health Net, Blue Shield, Etna, Silver Scripts, and Molina. Peter

504
00:28:25.200 --> 00:28:30.559
can help with Medicare medical plans, Medicare supplement plans, Part

505
00:28:30.640 --> 00:28:34.400
D plans, as well as low income help for Part D.

506
00:28:35.359 --> 00:28:38.359
So I do have some questions for you, Peter. Let's

507
00:28:38.519 --> 00:28:41.920
jump right into it. Why did you decide to go

508
00:28:41.960 --> 00:28:42.680
into Medicare?

509
00:28:44.079 --> 00:28:46.039
So, for those who don't know me, I was in

510
00:28:46.039 --> 00:28:50.200
the nonprofit sector for about twenty two years and just

511
00:28:50.319 --> 00:28:53.400
have a servant's heart. I love helping people out and

512
00:28:53.440 --> 00:28:58.319
so I felt like after I left the nonprofit sector,

513
00:28:58.319 --> 00:29:00.839
I felt like this was a great place to go

514
00:29:01.039 --> 00:29:04.319
for my skill set in helping people kind of navigate

515
00:29:04.359 --> 00:29:08.240
the Medicare journey. And like I said, I love helping people.

516
00:29:08.920 --> 00:29:13.279
I'm all about educating and giving free consultations.

517
00:29:13.759 --> 00:29:16.559
Awesome. Now, how old do I have to be to

518
00:29:16.680 --> 00:29:18.559
start thinking about Medicare and why?

519
00:29:20.079 --> 00:29:22.680
Well, honestly, you know, people say you should wait until

520
00:29:22.720 --> 00:29:25.720
you turn sixty five, but I do have some prospects

521
00:29:25.720 --> 00:29:27.960
that I work with who are sixty three. So I

522
00:29:27.960 --> 00:29:30.799
would say, if you're turning sixty three, you need to

523
00:29:30.839 --> 00:29:33.119
start thinking about it because there's so much out there,

524
00:29:33.119 --> 00:29:36.440
There's so much terminology, and it gets kind of confusing.

525
00:29:36.519 --> 00:29:39.880
So it's important to start planning ahead and so I

526
00:29:39.880 --> 00:29:43.119
can work with you and then when we turn sixty five,

527
00:29:43.279 --> 00:29:44.920
we can get you on the right plan.

528
00:29:46.759 --> 00:29:50.319
Good to know. Now, how does one enroll or start

529
00:29:50.599 --> 00:29:51.960
the process of Medicare.

530
00:29:53.319 --> 00:29:58.000
So it's recommended that ninety days before you turn sixty five,

531
00:29:58.240 --> 00:30:02.039
if you're not collecting Social Secure that you contact Social

532
00:30:02.079 --> 00:30:06.960
Security Office to start the enrollment process. With Medicare Part B,

533
00:30:07.519 --> 00:30:10.279
you're automatically enrolled in Part A, but you do have

534
00:30:10.359 --> 00:30:14.039
to start payperwork to get into Part B, so ninety

535
00:30:14.119 --> 00:30:16.440
days before your sixty fifth birthday.

536
00:30:16.920 --> 00:30:20.039
Ninety days So this is very confused. But what's the

537
00:30:20.039 --> 00:30:25.680
difference between Medicare, medical Medicare Supplement, and Medicare Part D.

538
00:30:27.480 --> 00:30:30.880
So I will try to break this down as simplistic

539
00:30:30.920 --> 00:30:36.519
as possible. So, Medicare is the federal government healthcare. That's

540
00:30:36.519 --> 00:30:39.480
what we pay our taxes into. If you're a W

541
00:30:39.599 --> 00:30:42.680
two employee or even if you're self employed, you're paying

542
00:30:42.720 --> 00:30:45.559
into both Social Security and Medicare. That's taken out of

543
00:30:45.599 --> 00:30:49.559
your paycheck. And so that is something that we all

544
00:30:49.640 --> 00:30:53.920
are entitled to when we turn sixty five. Medicaid is

545
00:30:54.000 --> 00:30:59.319
actually a state subsidized health program for those who qualify.

546
00:31:00.039 --> 00:31:03.440
It's usually for those who are low income. We're talking

547
00:31:03.480 --> 00:31:07.000
about for singles nineteen thousand dollars married would be about

548
00:31:07.000 --> 00:31:10.680
twenty four thousand dollars gross for the year. And then

549
00:31:12.039 --> 00:31:15.480
Medicare Supplement are for those who travel a lot when

550
00:31:15.480 --> 00:31:18.559
they're retired. It's for those who want to see any

551
00:31:18.599 --> 00:31:21.000
doctor that they want and be one hundred percent covered.

552
00:31:21.559 --> 00:31:24.519
And so I usually saw these kind of plans to

553
00:31:24.680 --> 00:31:29.000
folks who are traveling to other states visiting family, and

554
00:31:29.119 --> 00:31:31.240
God forbid anything happens to them. If they have a

555
00:31:31.279 --> 00:31:34.400
supplement plan, they are one hundred percent covered. And then

556
00:31:34.480 --> 00:31:37.559
Part D is your prescription plan, and that's something that

557
00:31:38.119 --> 00:31:41.359
you have to have if you don't have a Medicare advantage.

558
00:31:41.400 --> 00:31:45.599
So let me break this down even even into smaller bits.

559
00:31:46.079 --> 00:31:50.400
Medicare advantage is called Part C that encompasses A, B

560
00:31:50.519 --> 00:31:54.559
and D. If you don't have Part C, then you

561
00:31:54.680 --> 00:31:57.400
have to get Part D. That's kind of just the

562
00:31:57.440 --> 00:31:59.880
way things are set up. So I hope that that

563
00:32:00.000 --> 00:32:02.240
it helps make a little bit of sense of all

564
00:32:02.240 --> 00:32:03.480
that terminology out there.

565
00:32:04.440 --> 00:32:09.119
That definitely does. Next question is what makes one insurance

566
00:32:09.160 --> 00:32:11.400
company better than another one.

567
00:32:11.880 --> 00:32:15.240
So the federal government actually rates all our plans that

568
00:32:15.319 --> 00:32:18.000
are out there from one star, which is the worst,

569
00:32:18.039 --> 00:32:21.000
to five stars, which is the best. And so there

570
00:32:21.039 --> 00:32:23.720
are some plans that people are in that are even

571
00:32:23.799 --> 00:32:26.640
not rated at all, which means that's not a good thing.

572
00:32:27.440 --> 00:32:30.200
That means the federal government has passed on rating them

573
00:32:30.279 --> 00:32:34.519
because they're so bad. So ratings are based on both

574
00:32:34.559 --> 00:32:39.720
customer service and healthcare needs. And so I always try

575
00:32:39.759 --> 00:32:42.839
to get my clients on plans that are four and

576
00:32:42.880 --> 00:32:44.000
a half stars are above.

577
00:32:45.079 --> 00:32:48.440
Okay, got it? Now, can you help me if I'm

578
00:32:48.480 --> 00:32:51.319
on both Medicare and medical and if so, how does

579
00:32:51.319 --> 00:32:51.759
that work?

580
00:32:53.000 --> 00:32:56.480
Yes, people don't realize that there are plans out there

581
00:32:57.000 --> 00:32:59.960
with insurance companies. If you're both on Medicare and Meta

582
00:33:00.160 --> 00:33:03.599
cal there are extra benefits out there at no extra

583
00:33:03.720 --> 00:33:07.559
charge that you can get on and it's easy. It's

584
00:33:07.559 --> 00:33:10.960
an easy enrollment process. It takes about five minutes, and

585
00:33:11.000 --> 00:33:15.920
you get extra benefits like chiropractor, acupuncture, in home support services,

586
00:33:16.039 --> 00:33:20.200
emergency response system. All those benefits are at your disposal.

587
00:33:20.400 --> 00:33:22.400
All you have to do is get with a trusted agent.

588
00:33:23.720 --> 00:33:24.160
Got it?

589
00:33:24.640 --> 00:33:27.119
And you are a broker, So do you offer any

590
00:33:27.160 --> 00:33:29.200
help or any other products?

591
00:33:29.880 --> 00:33:33.839
I do. I'm actually just contracted with Cover California, and

592
00:33:33.880 --> 00:33:36.519
the reason being is I do have some clients have

593
00:33:36.720 --> 00:33:40.079
spouses that are under sixty five and need to find

594
00:33:40.079 --> 00:33:42.920
some kind of healthcare, need options to fill the gap

595
00:33:43.000 --> 00:33:46.680
until they turn sixty five. So I do offer health insurance.

596
00:33:47.519 --> 00:33:51.279
I also offer life insurance on the side, but ninety

597
00:33:51.319 --> 00:33:54.880
percent of my business is Medicare, and like I said earlier,

598
00:33:54.920 --> 00:33:59.079
I do offer also Medicare supplement plans. Got it? Now?

599
00:33:59.160 --> 00:34:04.039
Last question? What is annual enrollment period? And I keep

600
00:34:04.079 --> 00:34:07.720
getting inundated with mail every October about Medicare.

601
00:34:07.759 --> 00:34:12.519
Why is that? Well, unfortunately, annual enrollment period is your

602
00:34:12.599 --> 00:34:15.760
opportunity to review your plan and switch plans. And so,

603
00:34:16.480 --> 00:34:19.920
just like with an employer, every fall, you get a

604
00:34:20.000 --> 00:34:23.400
change your health plan if needed, same thing with Medicare.

605
00:34:23.639 --> 00:34:26.719
You're able to change your plan at any point in

606
00:34:26.800 --> 00:34:31.239
October through December seventh, and that's what's called the annual

607
00:34:31.320 --> 00:34:33.880
enrollment period. Got it?

608
00:34:34.599 --> 00:34:38.440
Thank you so much, Peter. This helped me a lot,

609
00:34:38.559 --> 00:34:42.280
and I'm sure it's going to help all my contacts

610
00:34:42.320 --> 00:34:46.519
on my Facebook, we Chat and Instagram. Thank you so much.

611
00:34:46.559 --> 00:34:49.280
If when and if they want to get into contact

612
00:34:49.320 --> 00:34:51.880
with you, I would be giving your information to them.

613
00:34:51.920 --> 00:34:52.360
Is that okay?

614
00:34:52.920 --> 00:34:56.199
Yes, please do. And it was a privilege and honor

615
00:34:56.239 --> 00:34:58.360
to be interviewed by you, Christine.

616
00:34:58.199 --> 00:34:58.840
Thank you, Peter.

617
00:35:00.000 --> 00:35:00.400
All right?

618
00:35:00.760 --> 00:35:06.760
But bang, all right. You know obviously that interview was

619
00:35:06.840 --> 00:35:10.440
done I believe five years ago, so I've actually been

620
00:35:10.480 --> 00:35:15.039
married now for twenty two years. And you know some

621
00:35:15.079 --> 00:35:20.199
of those numbers have changed too. For Medicare with IRMA,

622
00:35:20.519 --> 00:35:24.519
you know obviously that changes every year. So your premium

623
00:35:24.559 --> 00:35:27.800
is based on how much your gross income is again.

624
00:35:27.880 --> 00:35:32.320
We'll go over that in the future episodes, but already

625
00:35:32.320 --> 00:35:34.760
seen some people are watching our show live, so I

626
00:35:34.840 --> 00:35:38.159
commented back, thank you, Andrew Soaksa. He was one of

627
00:35:38.159 --> 00:35:42.039
our first guests on our inaugural show six weeks ago,

628
00:35:42.119 --> 00:35:46.199
so I appreciate him watching today and commenting on our show.

629
00:35:47.199 --> 00:35:52.159
We love our podcast too, so thank you for supporting us. Andrew. Yeah,

630
00:35:52.199 --> 00:35:55.840
so you know, obviously we offer more than just Medicare.

631
00:35:55.960 --> 00:35:58.719
Our show is medicare our and more so we talk

632
00:35:58.760 --> 00:36:02.320
about small businesses, We talk about all things insurance, so

633
00:36:02.719 --> 00:36:05.719
you know, yeah, about seventy percent now of our business

634
00:36:05.760 --> 00:36:09.000
is Medicare, but we do property and casualty, We do

635
00:36:09.079 --> 00:36:11.760
small business group benefits, we do health insurance for under

636
00:36:11.800 --> 00:36:16.920
sixty five, We do commercial insurance, we do liability insurance,

637
00:36:16.960 --> 00:36:20.039
we do earthquake insurance, home insurance, so you name it.

638
00:36:20.159 --> 00:36:23.159
We're kind of your one stop shop. And if you

639
00:36:23.199 --> 00:36:26.440
see our Google reviews, we are top rated here in

640
00:36:26.519 --> 00:36:29.480
southern California, so you can't go wrong working with us.

641
00:36:30.199 --> 00:36:34.800
So I appreciate that last interview with Christine, but we

642
00:36:34.880 --> 00:36:37.920
do offer more than just Medicare. Just to keep you

643
00:36:37.960 --> 00:36:41.880
guys a praise to that all right, So we've got

644
00:36:42.719 --> 00:36:46.000
probably about ten minutes left of our show, so I

645
00:36:46.039 --> 00:36:50.039
wanted to finish out. We were talking about Part C

646
00:36:50.280 --> 00:36:52.280
for quite a while, for about two weeks, and so

647
00:36:52.400 --> 00:36:55.760
this is our last week talking about Part C and

648
00:36:55.840 --> 00:36:58.840
what that means for you folks, what the differences is

649
00:36:58.880 --> 00:37:02.440
between them parts and supplement. You know, in a couple

650
00:37:02.480 --> 00:37:04.360
of weeks we are going to talk about a supplement

651
00:37:04.480 --> 00:37:08.840
plan and what the difference is there. I will be

652
00:37:09.199 --> 00:37:14.159
actually attending a Medicareans twenty twenty six conference in Las

653
00:37:14.280 --> 00:37:16.840
Vegas next week, So next week's show is going to

654
00:37:16.840 --> 00:37:18.880
be a little bit of difference. It's not gonna be live,

655
00:37:18.960 --> 00:37:22.960
It's going to have some recordings and that it will

656
00:37:23.000 --> 00:37:27.199
have new pertinent information. I encourage you to continue to

657
00:37:27.239 --> 00:37:31.960
listen in our show and glean some information from that

658
00:37:32.119 --> 00:37:34.840
podcast next week. But yes, I will be in Vegas

659
00:37:34.880 --> 00:37:38.559
next week. I'm excited. CMSA is usually out there centers

660
00:37:38.559 --> 00:37:41.800
for Medicare and Medicaid. We learn about our new regulations

661
00:37:41.800 --> 00:37:44.880
for this next year. We learn how to pivot and

662
00:37:45.760 --> 00:37:49.400
do our best for the plans coming out for next

663
00:37:49.480 --> 00:37:53.320
year for our clients, and we learned some from new roles,

664
00:37:53.360 --> 00:37:56.320
new regulations, all that stuff. That's why we go every

665
00:37:56.400 --> 00:38:01.519
year so that you know we're not left in the dust.

666
00:38:01.639 --> 00:38:05.320
We definitely want to continue to grow as a business

667
00:38:05.639 --> 00:38:08.599
and continue to grow in knowledge every year as regulations

668
00:38:08.639 --> 00:38:11.000
always change in Medicare every year, So that's why we

669
00:38:11.079 --> 00:38:14.960
go to those conferences. So anyways, let's focus in on

670
00:38:15.039 --> 00:38:18.960
Part C. Here we talked about, you know, the differences

671
00:38:19.000 --> 00:38:22.360
of being like a network plan. Most of the Medicare

672
00:38:22.400 --> 00:38:25.239
Advantage plans are HMOs if you remember us talking about

673
00:38:25.239 --> 00:38:28.719
that last week. Their PPO plans are not as prevalent.

674
00:38:28.800 --> 00:38:31.760
There are though PPO plans outside of California, They're just

675
00:38:31.800 --> 00:38:36.000
not as prevalent here in southern California. PPOs allow you

676
00:38:36.039 --> 00:38:38.960
to see doctors in or out of network. Out of

677
00:38:39.000 --> 00:38:43.599
network at a higher cost, So Medicare advantage usually it

678
00:38:43.599 --> 00:38:50.000
has a low or zero dollar premium flexibility. It's limited networks. Again,

679
00:38:50.039 --> 00:38:52.519
you're in a network. If you're in HMO, you have

680
00:38:52.599 --> 00:38:55.320
to get an authorization through your primary care doctor to

681
00:38:55.400 --> 00:39:01.519
see a specialist. With original Medicare or Meta gap or

682
00:39:01.559 --> 00:39:05.519
Medicare supplement, you have nationwide access. Out of pocket. Yes,

683
00:39:05.639 --> 00:39:09.440
there's a maximum out of pocket costs on Medicare advantage

684
00:39:09.440 --> 00:39:13.000
plans anywhere from two hundred dollars all the way up

685
00:39:13.079 --> 00:39:17.119
to eight thousand dollars, just depending on the region of

686
00:39:17.280 --> 00:39:21.239
where you're at. In the United States, for original Medicare

687
00:39:21.480 --> 00:39:26.760
or Medicare supplement, there is minimal out of pocket if

688
00:39:26.800 --> 00:39:29.639
you're just on original Medicare. Remember there is no ceiling,

689
00:39:30.159 --> 00:39:33.320
so your max out of pocket can go up and

690
00:39:33.400 --> 00:39:36.639
up and up and continue going up. You're only yeah,

691
00:39:36.639 --> 00:39:38.880
you're responsible for twenty percent of the cost. So if

692
00:39:38.920 --> 00:39:41.039
you have one hundred thousand dollars bill from the hospital,

693
00:39:41.280 --> 00:39:43.639
you're gonna have to pay twenty thousand dollars. That's why

694
00:39:43.679 --> 00:39:46.239
people get on the supplement or an advantage plan to

695
00:39:46.320 --> 00:39:50.960
mitigate those costs. Referrals. Remember Medicare advantage, it's often required

696
00:39:51.599 --> 00:39:57.159
original or Medicare supplement. There is no referrals needed unless

697
00:39:57.280 --> 00:40:02.800
it's physical therapy. On supplements, I think that's holds travel limited.

698
00:40:03.320 --> 00:40:06.119
You can go to any urgent care emergency room facility

699
00:40:06.280 --> 00:40:08.840
across the United States if you're on a Medicare advantage plan.

700
00:40:10.119 --> 00:40:12.480
If you're on a Medicare supplement, though, you could see

701
00:40:12.480 --> 00:40:16.880
whatever doctor you want wherever in the United States, so

702
00:40:17.079 --> 00:40:22.440
it's excellent in terms of travel underwriting. Later Medicare advantage

703
00:40:22.519 --> 00:40:25.679
it could be risky. Again, it just depends on the

704
00:40:25.760 --> 00:40:29.920
area you're in and the plan you're on. We've had

705
00:40:29.960 --> 00:40:34.360
some clients, you know, go through disapprovals or not get

706
00:40:34.800 --> 00:40:38.840
authorizations fast enough to go through, or not approved for

707
00:40:38.920 --> 00:40:43.119
certain lab work. It doesn't happen often, but it does

708
00:40:43.199 --> 00:40:48.719
happen with Medicare supplement. Remember, you are guaranteed in when

709
00:40:48.719 --> 00:40:51.480
you're algible for Medicare. If you try to get onto

710
00:40:51.519 --> 00:40:55.039
Medicare supplement later on, then you have to go through underwriting.

711
00:40:55.039 --> 00:40:57.239
They're going to pull your medical records and you're not

712
00:40:57.320 --> 00:41:02.920
guaranteed in. So just keep that in mind, all right.

713
00:41:02.960 --> 00:41:06.079
So who's Medicare advantage best for. It's best for budget

714
00:41:06.119 --> 00:41:10.960
conscious clients, healthy individuals, people who stay local are okay

715
00:41:11.039 --> 00:41:14.119
being in a network, and veterans. You compare this with

716
00:41:14.199 --> 00:41:18.960
a VA plan. You can also be on a Medicare

717
00:41:18.960 --> 00:41:23.840
advantage plan without the party for if you're on Trycare

718
00:41:23.840 --> 00:41:27.360
for Life. I know some folks are hesitant to do that.

719
00:41:27.719 --> 00:41:36.239
Trycare does take care of your drug prescription costs. What

720
00:41:36.280 --> 00:41:38.519
I would recommend is if you go on a Medicare advantage.

721
00:41:38.519 --> 00:41:42.440
You choose a PPO plan and you can use the

722
00:41:42.480 --> 00:41:46.920
extra benefits on that Medicare advantage plan, like your vision, hearing, dental.

723
00:41:47.639 --> 00:41:50.840
That's the advantage of having trycare and then being also

724
00:41:50.840 --> 00:41:54.559
on a Medicare advantage plan. So just talk to us

725
00:41:54.599 --> 00:41:56.760
about that if you're in that scenario, so we can

726
00:41:56.800 --> 00:41:59.639
walk you through that. Now, it's not ideal for frequent

727
00:41:59.719 --> 00:42:06.280
travel uh snowbirds, clients with complex conditions cancer treatment. Again,

728
00:42:06.440 --> 00:42:09.519
with cancer treatment, your max out of pocket. A lot

729
00:42:09.519 --> 00:42:12.559
of times you're paying twenty percent of the chemotherapy drugs.

730
00:42:12.880 --> 00:42:16.679
Some plans will max out and some don't. So you

731
00:42:16.760 --> 00:42:19.480
got you gotta talk to a specialist and walk through

732
00:42:19.519 --> 00:42:21.800
that to see if that applies to you or not.

733
00:42:22.760 --> 00:42:26.840
And then specialist dependency. Clients with specialist dependency, I highly

734
00:42:26.880 --> 00:42:32.079
recommend going the supplement route. All right, So Medicare advantage

735
00:42:32.119 --> 00:42:36.480
works great until you actually need it, right, So a

736
00:42:36.480 --> 00:42:39.760
lot of people who out here in California, I would

737
00:42:39.760 --> 00:42:43.159
say it's pretty competitive and people have not run into

738
00:42:43.199 --> 00:42:47.039
as many issues. If you're in other states, though, if

739
00:42:47.039 --> 00:42:51.960
you're constantly sick chronic conditions, sometimes it's better to be

740
00:42:52.000 --> 00:42:54.400
on a supplement. It's not about what you pay when

741
00:42:54.400 --> 00:42:57.280
you're healthy, it's what happens when you're sick. Your doctor

742
00:42:57.360 --> 00:43:01.039
matters more than your premiums. So obviously you know, if

743
00:43:01.119 --> 00:43:04.400
you want to have a certain doctor, then a supplement

744
00:43:04.599 --> 00:43:07.639
won't bar you from that. An HMO plan might. So

745
00:43:08.360 --> 00:43:13.960
that's a big difference as well. Now, the enrollment periods

746
00:43:13.960 --> 00:43:17.000
for PARTZ, We've talked about this, but I'm going to

747
00:43:17.079 --> 00:43:21.000
quickly go over it. Initial enrollment period it's going to

748
00:43:21.039 --> 00:43:25.199
be when you're turning sixty five. That's IEP annual rollment period.

749
00:43:25.519 --> 00:43:28.800
As you saw in that interview with Christine, you guys

750
00:43:28.960 --> 00:43:32.719
who are turning sixty five get inundated with mailers, with calls,

751
00:43:33.159 --> 00:43:37.239
all that stuff, unfortunately. And so annual rollment period is

752
00:43:37.320 --> 00:43:41.239
October fifteenth through December seventh every year. That's where you

753
00:43:41.280 --> 00:43:46.519
can switch your Medicare advantage plan or you know, you

754
00:43:46.559 --> 00:43:49.280
can drop your Medicare advantage plan and go onto original

755
00:43:49.280 --> 00:43:52.719
Medicare with a part Z for your prescription drugs. Open

756
00:43:52.800 --> 00:43:56.719
Enrollment period that's OEP that's January first to March thirty first.

757
00:43:56.760 --> 00:44:01.320
You have another period there to actually switch your Medicare

758
00:44:01.360 --> 00:44:05.880
advantage plan only one time. So with AP it's Basically,

759
00:44:05.960 --> 00:44:08.639
the last plan in is the one that takes precedent

760
00:44:09.000 --> 00:44:11.679
with OEP. Once you change it during that period, that's

761
00:44:11.719 --> 00:44:13.400
the plan that's going to stick with you until the

762
00:44:13.400 --> 00:44:16.639
next following year. And then there are special Roman periods

763
00:44:16.679 --> 00:44:20.920
life events. If you move out of a not a

764
00:44:21.000 --> 00:44:24.280
zip code, but a county, then you obviously can change

765
00:44:24.280 --> 00:44:28.320
your plan if you move out of state. If there

766
00:44:28.360 --> 00:44:32.440
are what's called FEMA Special Roman periods where it's weather related,

767
00:44:32.920 --> 00:44:37.360
whether out here in California it's wildfires or earthquakes, other

768
00:44:37.599 --> 00:44:41.800
places it's going to be winter storms or hurricanes. Any

769
00:44:41.840 --> 00:44:44.840
of that, CMS will put out a special enrollment period

770
00:44:44.880 --> 00:44:48.639
which allows the client to change their Medicare advantage plan.

771
00:44:49.039 --> 00:44:50.880
So again you want to get with a client to

772
00:44:50.960 --> 00:44:54.920
know if those are in place in your area. Now,

773
00:44:54.960 --> 00:44:58.280
the biggest mistakes clients make is that they choose based

774
00:44:58.320 --> 00:45:02.320
only on zero dollar premium. You want to choose what's

775
00:45:02.440 --> 00:45:05.039
best for you in terms of the benefits that are provided,

776
00:45:05.559 --> 00:45:08.960
not checking your doctor or hospital networks. That hits us

777
00:45:09.000 --> 00:45:12.239
hard down the road is that you find out you

778
00:45:12.400 --> 00:45:15.119
thought your doctor was in a medical network and then

779
00:45:15.320 --> 00:45:17.519
also in the midyear, they drop out of that medical

780
00:45:17.559 --> 00:45:19.920
network and then you're stuck with not being able to

781
00:45:19.920 --> 00:45:22.719
see that doctor anymore. So again, you want to make

782
00:45:22.760 --> 00:45:25.679
sure that your doctors are in network with your plan.

783
00:45:26.840 --> 00:45:29.840
Ignoring drug formularies. Every carrier is going to have a

784
00:45:29.840 --> 00:45:33.079
different drug formulary, so it's important to give a list

785
00:45:33.119 --> 00:45:36.280
of your prescription drugs to your trusted advisors so they

786
00:45:36.280 --> 00:45:40.119
can run through the costs of that and then not

787
00:45:40.360 --> 00:45:46.360
understanding your maximum out of pocket exposure. That's really important

788
00:45:46.440 --> 00:45:51.000
because sometimes not everything applies to the maximum out of pocket.

789
00:45:51.920 --> 00:45:55.159
Never reviewing your plan annually. If you just decide, you know,

790
00:45:55.239 --> 00:45:57.039
I'm going to sign up and just leave it, let

791
00:45:57.079 --> 00:46:01.119
a roll, I'll just stay on its plan rolette and

792
00:46:01.159 --> 00:46:09.079
you're throwing your coin onto black I don't know, seventeen

793
00:46:09.199 --> 00:46:12.159
or something like that, and then you just let it stick. Obviously,

794
00:46:13.320 --> 00:46:16.440
you don't want to do that every single time that

795
00:46:16.480 --> 00:46:19.679
you're playing, right. You want to diversify and make sure

796
00:46:19.679 --> 00:46:23.400
that their best odds are to change that up. Same

797
00:46:23.480 --> 00:46:27.119
with your Medicare advantage plans. Benefits change every year, and

798
00:46:27.159 --> 00:46:29.199
so you want to make sure that you're reviewing that

799
00:46:29.280 --> 00:46:34.480
plan every year with your insurance advisor. You will get

800
00:46:35.599 --> 00:46:37.960
basically a letter in the mail from your insurance carrier

801
00:46:38.079 --> 00:46:41.599
showing you what benefits are changing, if they're increasing or decreasing,

802
00:46:42.119 --> 00:46:46.280
you want to make sure that you pay attention to that.

803
00:46:46.599 --> 00:46:50.599
It's called an anoc annual notice of change, and a

804
00:46:50.599 --> 00:46:52.880
lot of times it gets lost in the shuffle of

805
00:46:52.920 --> 00:46:55.480
all the mail that you get about Medicare and you

806
00:46:55.480 --> 00:46:58.760
don't realize your benefits are getting cut. So again, talk

807
00:46:58.760 --> 00:47:03.800
with advisor every year. And assuming that the Medicare advantage

808
00:47:03.840 --> 00:47:08.559
is the same as Medicare, it's not. It's completely different. Yes,

809
00:47:08.639 --> 00:47:13.920
it covers your basic Medicare needs. But again that primary

810
00:47:14.119 --> 00:47:19.039
insurance carrier is taking the primary in terms of their Medicare.

811
00:47:19.440 --> 00:47:23.480
So if you're like, let's say you sign up with

812
00:47:23.519 --> 00:47:26.360
the healthcare and I Healthcare is going to take precedent

813
00:47:26.960 --> 00:47:30.159
not original Medicare, all right, so you want to keep

814
00:47:30.239 --> 00:47:34.400
that in mind. Again, dress of insurance broker, We're a

815
00:47:34.440 --> 00:47:38.400
plan reviewer, not a planed seller. That's you know, our

816
00:47:38.440 --> 00:47:44.280
motto is that we Medicare. We we highly want to,

817
00:47:45.119 --> 00:47:47.679
you know, gain your trust. We want to build that

818
00:47:47.760 --> 00:47:51.800
relationship with you. We're not about you know, being transactional,

819
00:47:51.880 --> 00:47:54.599
making the dollar and then moving on. We continue that

820
00:47:54.639 --> 00:47:55.519
relationship with you.

821
00:47:55.599 --> 00:47:56.119
Every year.

822
00:47:56.400 --> 00:47:59.920
We review plans with our clients constantly. We're in touch.

823
00:48:00.400 --> 00:48:03.559
You get a newsletter from us, you get birthday cards,

824
00:48:03.599 --> 00:48:08.480
you get emails constantly telling you different changes in regulations

825
00:48:08.480 --> 00:48:13.119
with Medicare. So and your reviews are our recurring client

826
00:48:13.199 --> 00:48:16.760
trench points. We educate on exit risk to go into

827
00:48:16.800 --> 00:48:21.199
a Medicare supplement, and we build trust by explaining downsides

828
00:48:21.280 --> 00:48:24.079
up front. We are very transparent and we want to

829
00:48:24.119 --> 00:48:26.840
make sure that you guys understand everything that's going on.

830
00:48:27.639 --> 00:48:31.559
So again, Medicare advantage isn't good or bad, it's just specific,

831
00:48:31.760 --> 00:48:34.400
all right. The real question is does it match your lifestyle,

832
00:48:34.800 --> 00:48:38.039
your doctors and your long term health needs? All right,

833
00:48:38.119 --> 00:48:42.199
that's what you want to keep in mind, all right.

834
00:48:42.480 --> 00:48:46.960
So we are going down to our end of our show.

835
00:48:47.719 --> 00:48:50.440
We thank you so much for listening to Presh Cocks,

836
00:48:50.480 --> 00:48:53.840
to Ryan Miller, to Christine Chang, and we hope that

837
00:48:54.239 --> 00:48:59.840
you continue to listen, ask questions. And again we're live

838
00:49:00.079 --> 00:49:04.559
on YouTube Medicare Minute with Peter. We're live on Facebook

839
00:49:04.719 --> 00:49:08.639
both on Joseph Insurance Broker, LLC and my personal email,

840
00:49:08.760 --> 00:49:13.679
our personal Facebook Peter Joseph. So please ask us questions.

841
00:49:14.480 --> 00:49:17.079
Chime in. If you have any feedback, we'd love to

842
00:49:17.159 --> 00:49:20.440
chat with you while we're doing our show. So I

843
00:49:20.480 --> 00:49:22.639
will not be live again next week. I will be

844
00:49:22.719 --> 00:49:25.920
in Vegas with my colleagues at a Medicare conference, but

845
00:49:26.039 --> 00:49:28.960
we will have our show in a different format, so

846
00:49:29.039 --> 00:49:32.199
please listen in. Thank you so much for your support

847
00:49:32.960 --> 00:49:36.400
and you trust us. Why do you trust us because

848
00:49:36.599 --> 00:49:38.079
we Medicare.

849
00:49:40.039 --> 00:49:43.960
Thanks for listening. Tune into Medicare Hour and More with

850
00:49:44.039 --> 00:49:48.039
Peter every Tuesday at nine am Pacific time right here

851
00:49:48.079 --> 00:49:53.199
on KFOHD Radio at kfohd dot com for more real

852
00:49:53.239 --> 00:49:58.039
life stories from experts who medicare about you and protecting

853
00:49:58.119 --> 00:50:02.519
your health, your finances, and your future. See you next week.

854
00:50:05.639 --> 00:50:05.679
H