April 28, 2026

From First Home to Biz TV Spotlight: Real Estate, Growth & Community Impact

From First Home to Biz TV Spotlight: Real Estate, Growth & Community Impact
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Season 1

Episode 8 of MedicareHour & More with Peter features realtor Johnny Alagna, whose guidance helped secure Peter’s first home in Chino—fueling business growth. Plus a Biz TV Los Angeles spotlight on Joseph Insurance Broker LLC, showcasing community impact and success. Learn real estate insights, entrepreneurship, and partnerships, with 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 component 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 k for HD Radio.

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This is the podcast for all types of insurance solutions

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while specializing Medicare because we Medicare here's your host, Peter R.

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Joseph.

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Hey, good morning, good morning, good morning. So glad to

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have you guys here on our show. This is episode

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eight and believe we've made it this far. Things are

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going well. We've had a lot of people watching us.

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We've had quite a bit of views. Remember we are

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live on quite a few places. We are on K

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four HD Radio. You can download that app. You can

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also watch us live on Facebook, on my personal as

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well as Joseph Insurance Broker, LLC and our YouTube channel.

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Medicare Minutes with Peter that is the channel. You can

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comment on there and we will respond back in live time,

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so please do. We've had some people in the past

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do that with us. So if you have any questions,

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comments of anything about insurance or anything we talk about

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in our show, feel free to ask away.

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Beautiful morning.

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I just got back actually from a Medicureans twenty twenty

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six conference in Las Vegas. We had over six thousand agents, brokers,

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agencies fmos, which are marketing organizations and insurance carrier.

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It was nuts.

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I mean, this is probably the most people we've had

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at this conference ever. Is one of the largest medicare

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conferences in the world, and so we did glean a

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lot of information about the new final rule for CMS

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for this year for twenty twenty seven, some changes we

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will talk about in this show. Excited to share those

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thoughts with you, obviously, you know we're there to learn

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and apply that information to our clients that we better

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serve you guys. We're going to do something a little

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bit different today. After our interviews. I'm going to try

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to do a PowerPoint with you guys. I know you

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know we're on a podcast as well, so I'm going

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to try to explain everything on our slides as well,

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just so that you guys get a clear picture of

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that while you're listening and not really seeing the video

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side of things.

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But I you know, we want to actually show.

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You what we do with our clients in terms of

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a Medicare one on one session, how we run through

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a Medicare one oh one educational piece. We do this

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at senior centers, assisted living facilities. We also do this

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through zoom and webinars through our website Joseph Insurance Broker

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dot com, so you can always sign up for Medicare

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one on one and we will.

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Do a presentation for you guys.

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There's so many confusing parts to Medicare and we want

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to make sure that everything is clear for you guys.

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So before we do that though, I've got some couple

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of exciting pieces here. You know, we do bring on

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some great guests on our show. Obviously, you know, not

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all our guests can come on live, and that's okay.

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We're on Pacific time. We've got guests from all over

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the United States and so we do pre record our

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interviews with them. Our first guest is with Johnny Alagna.

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He is actually my personal realtor He is the reason

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our business has taken off here in Chino and Chino Hills.

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He helped us buy our first house here about almost

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four years ago now, and we put our roots down

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in Chino. Our family's excited, and our business has taken

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off ever since. He is one of the best realtors

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I've ever run across. He services here southern California, specifically

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San Berndino County. So if you ever need a realtor,

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you need to know answers to your questions about real

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estate investments, the real estate market. You know, obviously with

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the Iran War going on right now, house prices are

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just not looking that great. But he can help you

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navigate that whole process for you, guys, tell you when

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is a good time to buy, when is a good

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time to sell. So let's watch this interview with Johnny

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Alagna coming up by Johnny, Welcome to our show, medicare

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aaren wore with Peter. I appreciate you making the time

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for us today, of course, man, I appreciate you. Yeah,

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and this is going to hit close to home, becau

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is actually if you guys don't know, Johnny helped us

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find our first home here in Gino, and we put

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down roots and my business has taken off ever since,

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just because you know, I've got relationships now all over

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the board over here at Gino Gino Hills.

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So Johnny, thank you so much for that.

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He of course, man, I'm happy to be here with

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you too.

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We couldn't deal with that, h Thank you man, thank you.

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So hey, what made you decide to go into real estate?

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What's your background on that?

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So here's the funniest part. Everybody asked me like, oh, like,

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what made you get into real estate? Well, I'll be

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honest with you. My wife told me to That's exactly

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what happened. And so I was a smart man and

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I listened to her little background on that whole transition.

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Though I worked just like you. I know you used

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to work at Costco at one point. I worked at

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Costco for sixteen years. You know, it's a great company.

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But I knew that I could strive for more. You know,

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they pay you enough to keep you there, but not

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to like excel right, and I wanted to do more

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than that. You know, at the point in time, we

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were starting a family, and so yeah, the transition or

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real estate was just one of those things where my

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wife was like, hey, like you've always wanted to go

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into real estate, like you've always been in real estate,

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like once you do that, and so I was like okay,

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and so I started going into it. I had no

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clue like what I was doing. I had no clue

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about that I was actually starting a business, you know.

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And I think a lot of people think like, oh,

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I'm getting in a real estate I get to go

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show homes and it's like HGTV and blah blah blah.

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But it's not, you know, you're starting your own business.

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So yeah, that was my transition was basically just my

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wife kind of putting that thought in my mind, like hey,

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you know you've always been interested in that topic, go

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pursue it.

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And I did. Now, how long have you been a

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real estate agent? I'm on my eighth year. I'm on

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my year.

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Yeah, And you know, I don't like follow the statistics,

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but they basically say like if you make it past

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like four years or three years or something like that,

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like you've you've passed the transition of like the people

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that kind of get in and get out. I ask

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that that stage where like most people fail. So I'll

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be honest with you, dude, I attribute my success to God.

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That's like one hundred percent.

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It's like I don't even know sometimes, like how I've

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been so successful.

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But you know, of course it's hard work, right, you

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know for sure, for sure I know what you've put in.

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Yeah, But at the same time, I feel like it's

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it's you know, I've done my part and God kind

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of connected the rest and it's just naturally fell into place. Well,

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so just tell the audience because we've got both our

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clients and also agents. You know, obviously my agents like

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to partner up with real estate agents financial partners because obviously,

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you know, we work with the same kind of community.

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And so if someone's buying a home for the first time,

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what kind of things do they need to look for?

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I honestly, you know what's funny is like a lot

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of people think, oh, the realtor is the first stop,

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but really it's a lender, right is you need to

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know you need to know that it fits your budget.

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And you know, I to go back to kind of

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like why why I think I've succeeded so well is

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because I'm the type of guy like when I go

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into a clothing store or anywhere to go shop. The

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first thing that I really hate is someone coming up

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to me like, hey, like, how can I help you?

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You know, like I don't like the salsy part of

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this job, Like that's not what I go towards. So

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with that being said, you know, I think the best

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first stop is a lender, to be honest with you.

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And the only reason I say that is because there's

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never like the right time to buy right. It's only

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right for your situation. Everybody's got a different situation financially,

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and the only way to know if it makes sense

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is to talk to a lender first. I mean, that's

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the truth. You need to know what your budget is

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and then work off your budget to see if it

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makes sense to move forward and go go ahead with

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a purchase.

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And then what real estate companies do you work for?

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So I'm with exp Realty, that's the brokerage.

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I've been with them for about three and a half

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years now, and you know, as far as the brokerage goes,

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I mean, I don't know if it's the same for

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how you guys operate, but I think at the end

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of the day, like I'm the business, Yeah, you're you're

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Peter Joseph, like you're the business, like you're the you know,

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you have that umbrella of a brokerage over you.

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But but yeah that you know, I am with the

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XP real team.

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And then where you living currently and what areas you

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cover currently?

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Yeah, so I'm in Canyon Lake.

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I cover majority of riverside in San Bernardino Counties and

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actually even parts of San Diego to be honest, but

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the majority of my business has been like Corona, Riverside,

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San Bernardino, all those.

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Areas awesome, awesome.

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And then what advice would you give homeowners that feel overwhelmed,

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whether they're a first time buyer or they're you know,

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they're selling their home and buying a second home. You know,

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obviously the market right now is crazy. I know, interest

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rates are they're starting to creep down a little bit, right.

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They they went back.

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Yeah, like I mean right when we started to see

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like a reprieve and like rates kind of getting back

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into an area where like people like, oh, like it's

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time to go. Of course, you know, the political stuff

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going on and geopolitical, so yeah, I ran war is

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kind of thrown a wrench into that. So we're seeing

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them kind of creep up. But with that being said,

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like they have gotten better. If you want to get

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nerdy about it, you can follow the ten year Treasury

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bond and then that that rate that's trading that there's

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a spread between that and mortgage rates.

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That spread has actually gotten smaller, So if.

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You go back like two years, we'd probably be seeing

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like seven percent interest rates, But because that spread got tighter,

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we're in the sixes, which is a good thing. So,

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I mean, things have gotten better. I think it's a

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short term bad thing that's going on right now, but

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I think overall it'll get a little bit better. But

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for those looking for like four percent, like I don't

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see that happening. Yeah, you know, if you get in

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the fives, like you're doing a good job.

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I mean, I know, got in right. I think ours

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is like five point two percent, which is great. I

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mean that's crazy and they're.

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Solid, dude, I know, I know.

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We don't want it to like refinance and it's just

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not going to happen. So that's fine, that's fine.

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Yeah, yeah yeah.

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So is inventory is inventory tight right now or does

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it seem like there's houses for sale?

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I mean, what's going on in the market.

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Right now.

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So yeah, so like inventory is beginning to creep up

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a little bit. But like if you're going to compare

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it to what it was prior to the pandemic, which

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I think a lot of people go back to, because

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that was kind of like when there was no wrenches

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thrown in the bit, right it was kind of just

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a normal market back then.

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Then COVID happened and things got crazy.

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There was no inventory, millions of people buying because rates

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were low. But I would say, right now, inventory has

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been creeping up, and at the same time, sales volume

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is down because the rates are so high, a lot

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of people are not looking to trade, you know, those

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two or three per interest rates that they have on

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their house. When a lot of people rEFInd during that time,

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it's hard to like be like, yeah, I want to

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sell now, and then I'm getting a six percent interest rate.

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So connecting the two, I would say, like, yeah, most

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of the people moving right now are doing it out

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of necessity or they really want to just because that's

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a big want. But if it was, like, I don't

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think there's anything pushing anybody from trying to like do

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a lot of things unless it's like necessary, right now.

252
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Okay, okay.

253
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So as as a business owner, you know, obviously we're

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an entrepreneur. You're an entrepreneur. What's been your biggest struggle

255
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over your eight years? I mean, what's been the biggest

256
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challenge you've faced.

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Mindset?

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I would say it's always mindset, right, you know, prior

259
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to getting into real estate, going back to the beginning,

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I think I thought like I was being I thought

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it was good to be like realistic, right, But realistic

262
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is negative, you know, like you look at a lot

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of the negative stuff like, oh, well, I'm just being realistic.

264
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But the reality is like having a positive mindset really

265
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does push your ability to move forward because at the

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end of the day, like you're starting every day fresh, right,

267
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Like even you like you're looking for new clients, right

268
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as soon as you close a client, Like you're unemployed,

269
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you're looking for the next person to help out and

270
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move forward. So as a business owner and especially as

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real estate like I'm waking up every day unemployed looking

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for business, and you go into that mindset of being negative,

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like that's going to really haunt you, right, and it's

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going to stop you from being the best person that

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you can be. When you're on the phone or talking

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to people. So I would say mindset is probably the

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biggest thing for sure.

278
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Okay, awesome, awesome.

279
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Do you want to do you mind sharing your story

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that you had on Facebook?

281
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Because I yeah, I love that.

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Yeah yeah yeah.

283
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So so my uh, I guess it would be like

284
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my second year in real estate. I got presented with

285
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the opportunity from my broker at the time. They had

286
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went to this this university called Rapport International and they're

287
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out of Vegas, and I had no clue what it was.

288
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I honestly thought it was like business development.

289
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You know, They're like, oh, yeah, you got to go.

290
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It's going to change your business like mindset, Like it's

291
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going to be awesome. You learn how to talk to people,

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have like, you know, just personal skills, and so I

293
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was like, okay, cool. So I signed up for it,

294
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and there was a cost to it, but my Brokera's

295
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was like nice enough to front the cost to it,

296
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and then as I made sales, I paid them back.

297
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So I went there and I you know, like I

298
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said in the beginning, it started out as me thinking

299
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this is all business, but as I quickly found out,

300
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it was one hundred percent about personal development and my family. Right,

301
00:14:49.360 --> 00:14:52.480
Like people ask you like, what's your why? When I

302
00:14:52.559 --> 00:14:54.559
went there, my why was like, oh, I just want

303
00:14:54.600 --> 00:14:56.519
to build a business. Like I didn't know what my

304
00:14:56.600 --> 00:15:00.960
why was. But after going through these sessions, I realize, like, man,

305
00:15:01.039 --> 00:15:05.399
it's it's being present with my family, being present for

306
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the people that I'm interacting with on a daily basis,

307
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and also being able to just step outside of my

308
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comfort zone because I mean as a business owner, like

309
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that's what you're doing on a daily basis.

310
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Right. And when we went.

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There, like the first opening like introduction to this was

312
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basically like people coming out like they were drill sergeants,

313
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Like they're yelling at us, and I'm like, dude, what

314
00:15:27.080 --> 00:15:28.039
did I sign up for?

315
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You know?

316
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And the first thing they had us do was this

317
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public speaking thing, and we had no preparation. We just

318
00:15:34.519 --> 00:15:37.480
had to like figure it out. But the thing that

319
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I posted on Facebook was probably the second day in

320
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they wanted us to do what was called like a

321
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breakthrough session, and they wanted us to write down like

322
00:15:47.600 --> 00:15:50.919
what are what we wanted to break through as we

323
00:15:50.919 --> 00:15:53.080
were going through this weekend, And for me, it was

324
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fear of rejection because I had this, you know, back

325
00:15:57.080 --> 00:15:59.039
to the mindset thing. I'm thinking, like you know what,

326
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like I'm I'm going to be talking to new people

327
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all the time. And I really did fear rejection. I

328
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feared not being able to connect with people, not being

329
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able to do the things that were necessary for my

330
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business to grow. And so they actually had us right

331
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Like that was where I wrote on their fear of rejection.

332
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And on the backside of it, I had things like

333
00:16:19.360 --> 00:16:22.200
being able to connect with clients, to have more closings,

334
00:16:22.559 --> 00:16:26.240
to provide for my family. And so by breaking through

335
00:16:26.279 --> 00:16:29.080
this block and like we literally did karate chop of block.

336
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Wow.

337
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And so that was like the real thing and we

338
00:16:32.600 --> 00:16:33.440
broke through that.

339
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And on the other side was being able to find

340
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those things that we wanted that was like blocking us,

341
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this rejection blocking me from being able to reach that

342
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goal of providing for my family.

343
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So yeah, that was like one of the things.

344
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And so yeah, I kind of the funny thing that

345
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was cleaning out the garage, and of course I came

346
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across that.

347
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I was like, man, and it.

348
00:16:53.120 --> 00:16:55.559
Brought back all the memories of going through that weekend

349
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and how I went there with one idea of what

350
00:16:59.799 --> 00:17:02.440
the this weekend would be and came out on the

351
00:17:02.480 --> 00:17:05.480
other side like just a new person, you know. And

352
00:17:06.079 --> 00:17:08.400
the cool thing is, like I have the opportunity to

353
00:17:08.440 --> 00:17:10.559
send my kids there because they do have it for kids.

354
00:17:10.759 --> 00:17:13.559
Oh wow, I'm sending my kids there one hundred percent,

355
00:17:13.880 --> 00:17:17.519
like I want them to experience what I did. And

356
00:17:17.599 --> 00:17:20.920
for anybody that's out there that like might be having

357
00:17:21.000 --> 00:17:23.799
this situation where they're afraid to step out of their

358
00:17:23.880 --> 00:17:27.240
comfort zone, like I would highly recommend going to this.

359
00:17:27.640 --> 00:17:29.000
It's like a three day retreat.

360
00:17:30.200 --> 00:17:33.000
And I mean honestly, even for you man, like if

361
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you ever had an idea of doing it, Like.

362
00:17:35.680 --> 00:17:36.799
It was life changing for me.

363
00:17:37.000 --> 00:17:37.640
It really was.

364
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And my wife noticed it, like when I came home,

365
00:17:40.079 --> 00:17:42.680
She's like, yeah, like you are different.

366
00:17:43.119 --> 00:17:43.759
Wow wow.

367
00:17:44.000 --> 00:17:46.599
So yeah, it's it was a really good life.

368
00:17:46.680 --> 00:17:47.640
Where does it take place.

369
00:17:48.240 --> 00:17:51.200
It's up in Vegas. It's up in Vegas. So you know,

370
00:17:51.240 --> 00:17:52.880
we drove into Vegas for this.

371
00:17:53.519 --> 00:17:56.920
You could fly in obviously, but they it's it's kind

372
00:17:56.920 --> 00:17:59.079
of crazy because you go to their main office which

373
00:17:59.119 --> 00:18:01.079
is in Vegas. But then they put you on a

374
00:18:01.119 --> 00:18:04.960
bus and they basically like you step into this circle

375
00:18:05.000 --> 00:18:06.839
and they tell you when you leave the circle. You're

376
00:18:06.880 --> 00:18:09.119
stepping out of your comfort zone and you're going onto

377
00:18:09.160 --> 00:18:11.480
this bus and they bust you off to this location

378
00:18:11.559 --> 00:18:12.839
that they don't really disclose.

379
00:18:13.200 --> 00:18:15.880
Oh wow, so it's like you're literally going to a

380
00:18:15.880 --> 00:18:17.960
boot camp. But it was beautiful.

381
00:18:18.000 --> 00:18:20.799
It was on a beautiful ground, like total private, little

382
00:18:20.880 --> 00:18:21.400
ranch area.

383
00:18:21.440 --> 00:18:24.119
It was really awesome. Man, it was very cool. Yeah,

384
00:18:24.160 --> 00:18:24.839
that's very cool.

385
00:18:25.519 --> 00:18:29.200
Well, hey, what what sets you apart from other real

386
00:18:29.279 --> 00:18:32.000
estate agents because obviously there's so many out there, you know,

387
00:18:32.160 --> 00:18:34.519
just like myself, there's so many betacare brokers.

388
00:18:34.559 --> 00:18:35.839
So what sets you.

389
00:18:35.920 --> 00:18:40.480
Part I would say it's it's honestly my personality, dude, Like, okay,

390
00:18:40.960 --> 00:18:44.000
I just you know what, I connect with people that

391
00:18:44.200 --> 00:18:46.920
I jive with, and you know, not everybody's going to

392
00:18:46.960 --> 00:18:49.000
be a customer to me. I'll be honest with you, Like,

393
00:18:49.119 --> 00:18:51.960
I like to connect with people that are like minded.

394
00:18:52.480 --> 00:18:54.599
I guess that's a good thing about running your own business.

395
00:18:54.720 --> 00:18:57.200
You can choose who you work with, and same thing

396
00:18:57.240 --> 00:18:59.440
with a consumer, right, they get to choose who they

397
00:18:59.480 --> 00:19:01.759
work with when they go to do you know, one

398
00:19:01.759 --> 00:19:04.000
of the largest transactions of their life.

399
00:19:04.079 --> 00:19:04.279
Right.

400
00:19:04.839 --> 00:19:10.200
So for me, I've always based everything on data and

401
00:19:10.559 --> 00:19:12.519
just doing what's right for them, Like I'm never going

402
00:19:12.599 --> 00:19:14.960
to push somebody to buy a house just because I

403
00:19:15.000 --> 00:19:17.039
want to make money, Like that's not why I'm in

404
00:19:17.079 --> 00:19:19.720
this business. Like, yes, I'm in this business to make

405
00:19:19.759 --> 00:19:23.160
money for my family, but that's not what is driving

406
00:19:23.200 --> 00:19:25.400
me to close the deal. What's driving me to close

407
00:19:25.440 --> 00:19:28.279
the deal is making sure that you know, when we

408
00:19:28.480 --> 00:19:31.240
finished the transaction, I'm still going to be friends with

409
00:19:31.279 --> 00:19:33.839
these people, you know, like I want to keep that connection.

410
00:19:33.960 --> 00:19:35.839
Like the deal closed and it's like, okay, see you

411
00:19:36.000 --> 00:19:38.759
like I made my money. I'm out right, that's not

412
00:19:38.920 --> 00:19:42.079
how I operate. I want people to be happy after

413
00:19:42.119 --> 00:19:44.720
we've done the deal, so that you know, cause honestly,

414
00:19:44.759 --> 00:19:47.119
a majority of my business is from referrals.

415
00:19:47.160 --> 00:19:49.319
It's from past clients. And I'm sure it might be

416
00:19:49.359 --> 00:19:51.000
the same thing for you too. You know, you do

417
00:19:51.039 --> 00:19:51.640
a really.

418
00:19:51.440 --> 00:19:54.960
Good job presenting someone with medicare and how it fits

419
00:19:55.000 --> 00:19:57.119
their needs. And then they're going to say, hey, like

420
00:19:57.160 --> 00:19:58.960
Peter did a great job for me, like you got

421
00:19:58.960 --> 00:20:01.599
to talk to him. I operate my business on the

422
00:20:01.640 --> 00:20:02.640
same same front.

423
00:20:03.079 --> 00:20:06.640
Awesome, awesome, Well that's very cool, I know working with you,

424
00:20:06.960 --> 00:20:09.920
like you're so patient, I mean, I don't know how

425
00:20:09.920 --> 00:20:13.400
many homes we looked at and you never was You're

426
00:20:13.440 --> 00:20:17.319
you're never pushy. Johnny's like probably the friendliest person you

427
00:20:17.359 --> 00:20:21.079
could never work with. He really strives to want to

428
00:20:21.119 --> 00:20:23.519
know what, you know, the person wants in a home.

429
00:20:23.599 --> 00:20:26.640
And so I appreciated that because I know I've worked

430
00:20:26.640 --> 00:20:29.279
with other real estate agents who've been really pushy and

431
00:20:29.319 --> 00:20:31.400
they're like, well, this is this is all that there

432
00:20:31.480 --> 00:20:33.960
is and there's no there's no other options, right, So

433
00:20:35.000 --> 00:20:37.480
I appreciate everything you've done for us.

434
00:20:37.599 --> 00:20:38.200
I really do.

435
00:20:38.640 --> 00:20:40.160
Yeah, I love that you say that.

436
00:20:40.440 --> 00:20:43.480
It's it's funny because you're not you know, you're not

437
00:20:43.480 --> 00:20:45.640
the first. I just literally I got a review yesterday

438
00:20:45.680 --> 00:20:46.920
and that's exactly what they said.

439
00:20:46.960 --> 00:20:49.759
They're like, he was so patient. Yeah, he's so patient.

440
00:20:50.559 --> 00:20:53.880
I've had other people honestly like they I worked with

441
00:20:53.960 --> 00:20:56.480
them and then we took a pause, and then for

442
00:20:56.519 --> 00:20:59.359
whatever reason, they went out and like found another agent, right,

443
00:20:59.720 --> 00:21:01.799
and they went with them, and then they were like, damn,

444
00:21:01.839 --> 00:21:04.039
we made a mistake. And they came back to me

445
00:21:04.079 --> 00:21:05.480
and they straight up told me, They're like, dude, we

446
00:21:05.559 --> 00:21:08.519
had to block their number because the lady was just

447
00:21:08.680 --> 00:21:11.400
like pestering us like to get a sell to buy

448
00:21:11.480 --> 00:21:13.720
and I'm like no, Like I was like, yeah, that's

449
00:21:13.920 --> 00:21:16.000
why I don't do that, Like you have to do

450
00:21:16.079 --> 00:21:18.440
this on your own accord. It has to make sense.

451
00:21:18.720 --> 00:21:20.880
Like that's that's the whole point of all of this

452
00:21:21.039 --> 00:21:23.559
is just you know, moving forward and making sense.

453
00:21:23.559 --> 00:21:26.720
For sure, for sure. So how do people find you, Johnny? Like,

454
00:21:27.079 --> 00:21:28.680
do you have a website? Do you have a newsletter?

455
00:21:29.319 --> 00:21:33.000
Yep, I have a website. It's John Olanya dot com. Actually,

456
00:21:33.000 --> 00:21:35.240
if you just do a search for John Alanya Realtor,

457
00:21:35.400 --> 00:21:39.400
I come up very easily. I'm on Google, I'm on Instagram.

458
00:21:39.720 --> 00:21:44.279
All of my handles are basically Johnny Cells SoCal for Facebook, Instagram.

459
00:21:44.319 --> 00:21:46.680
Maybe on TikTok. I don't know. I don't really do

460
00:21:46.799 --> 00:21:48.680
TikTok as much, but I'm yeah I don't either.

461
00:21:48.720 --> 00:21:49.000
I don't know.

462
00:21:49.079 --> 00:21:51.319
Yeah, that one I think is still like ahead of

463
00:21:51.440 --> 00:21:54.039
like I'm aging myself, like I'm in my forties, Like

464
00:21:54.119 --> 00:21:56.839
TikTok is just something I haven't like gravitated towards yet

465
00:21:57.240 --> 00:22:01.480
for sure. But anyways, yeah, John Alanya dot And if

466
00:22:01.519 --> 00:22:03.960
you simply search my name I am on there, you'll

467
00:22:03.960 --> 00:22:04.240
find me.

468
00:22:04.759 --> 00:22:07.200
Awesome, awesome, all right, So we're going to end this

469
00:22:07.880 --> 00:22:10.480
segment with kind of a rapid fire, kind of a

470
00:22:10.519 --> 00:22:13.359
fun segment to get to know you. So there's no

471
00:22:13.440 --> 00:22:15.559
right or wrong answer. You just tell me what you

472
00:22:15.599 --> 00:22:17.759
know what your answer is, and we'll go from there.

473
00:22:18.160 --> 00:22:21.400
So the biggest deal breaker you see when showing homes.

474
00:22:22.200 --> 00:22:28.200
Biggest deal breaker, Uh, probably high property taxes. Okay, yeah

475
00:22:28.960 --> 00:22:30.160
there high property taxes.

476
00:22:30.200 --> 00:22:31.880
I knows is one of those.

477
00:22:32.119 --> 00:22:33.519
Yeah yeah, that.

478
00:22:33.559 --> 00:22:36.000
And like a super high solar Like actually, I'll tell

479
00:22:36.000 --> 00:22:37.799
you straight up, like yesterday we went. I went to

480
00:22:37.839 --> 00:22:39.880
show homes yesterday and one of them we canceled on

481
00:22:39.960 --> 00:22:43.000
before showing it was like five hundred dollars payment for solar, Like, yeah,

482
00:22:43.039 --> 00:22:43.599
that doesn't make.

483
00:22:43.519 --> 00:22:46.359
It, Hue, that could be one of them. Yeah yeah, yeah,

484
00:22:46.599 --> 00:22:50.000
all right. Dream home feature you wish every house had.

485
00:22:50.480 --> 00:22:54.279
Oh, dream home feature. I would say it's between two.

486
00:22:55.559 --> 00:22:57.200
A view and pool.

487
00:22:57.640 --> 00:22:59.759
But I'm going to tell you from personal experience, this

488
00:22:59.839 --> 00:23:01.000
is one that no one looks for.

489
00:23:01.480 --> 00:23:02.119
Storage.

490
00:23:02.839 --> 00:23:05.440
Oh storage, Yeah, that's actually a really good one.

491
00:23:05.680 --> 00:23:07.920
Yeah that's gonna be. That's gonna be the one. Like

492
00:23:08.000 --> 00:23:10.039
I think the first two I said are very obvious.

493
00:23:10.160 --> 00:23:12.519
I would say that not obvious one is storage.

494
00:23:12.759 --> 00:23:15.119
I'm gonna see I like that. I like that. Yeah,

495
00:23:15.160 --> 00:23:17.160
all right. So what's the first thing you noticed when

496
00:23:17.200 --> 00:23:19.839
you walk into a home? The kitchen?

497
00:23:20.240 --> 00:23:23.000
Okay, I would say the kitchen to openness. Yeah, openness

498
00:23:23.000 --> 00:23:23.480
in kitchen.

499
00:23:24.000 --> 00:23:25.400
That's what sold us to our house.

500
00:23:25.440 --> 00:23:29.960
I mean, yeah, yeah, you're beautiful. Yeah, I think kitchens

501
00:23:29.960 --> 00:23:31.319
do sell homes. I'll be honest to.

502
00:23:31.640 --> 00:23:35.680
God, do all right, one habit that's helped you succeed

503
00:23:35.839 --> 00:23:36.880
in real estate.

504
00:23:37.480 --> 00:23:39.799
Honestly, Okay, I like that.

505
00:23:39.920 --> 00:23:40.279
I like that.

506
00:23:41.160 --> 00:23:43.559
Now, if you weren't a realtor, what would you be doing?

507
00:23:44.640 --> 00:23:49.039
I would be working on cars, Yes, cars all day long.

508
00:23:49.359 --> 00:23:52.039
Yep. I love I love fabricating. I do weld.

509
00:23:52.079 --> 00:23:53.599
I don't know if a lot of people know that,

510
00:23:53.680 --> 00:23:56.599
but I used to race off roads. So like welding,

511
00:23:56.680 --> 00:23:59.400
working on cars, that's honestly like one of my passions

512
00:23:59.440 --> 00:23:59.839
for sure.

513
00:24:00.240 --> 00:24:03.480
That's very cool, all right. And then the best advice

514
00:24:03.519 --> 00:24:05.160
you would give every client.

515
00:24:06.359 --> 00:24:09.200
To stay within your means, To stay within your means.

516
00:24:09.319 --> 00:24:12.480
Yeah that I think that's the biggest one. And that

517
00:24:12.519 --> 00:24:15.759
goes back to, like I said, data, running numbers, making

518
00:24:15.759 --> 00:24:16.519
sure it makes sense.

519
00:24:17.599 --> 00:24:18.000
All right.

520
00:24:18.119 --> 00:24:21.559
So Johnny closing question. If someone's listening today thinking about

521
00:24:21.559 --> 00:24:24.279
buying or selling the helm, what's the first step they

522
00:24:24.279 --> 00:24:24.799
should take.

523
00:24:25.400 --> 00:24:26.799
I think you already said it, but.

524
00:24:27.200 --> 00:24:29.759
Well I'm gonna I'm gonna deviate and just say just

525
00:24:29.799 --> 00:24:31.920
call it to do.

526
00:24:33.279 --> 00:24:33.720
There you go.

527
00:24:34.039 --> 00:24:36.319
I got, you know what, I got trusted lenders that

528
00:24:36.359 --> 00:24:38.640
I can send people to. I'll give them options, they

529
00:24:38.680 --> 00:24:41.920
can choose who they jive with better. And but yeah,

530
00:24:41.960 --> 00:24:44.039
I mean eventually, yeah, it's going to be landing with

531
00:24:44.079 --> 00:24:45.759
a lender to see where the numbers lie and then

532
00:24:45.759 --> 00:24:46.759
we move forward from there.

533
00:24:47.039 --> 00:24:50.720
Awesome, awesome, Well, during our interview process when this airs,

534
00:24:51.079 --> 00:24:53.359
we're going to have your information scrolling on the bottom,

535
00:24:53.359 --> 00:24:55.759
so we'll have your website, your name, your phone number,

536
00:24:55.920 --> 00:25:00.000
the best contact information for you so people can read

537
00:25:00.160 --> 00:25:02.880
out to you and follow you. We do reach out

538
00:25:02.920 --> 00:25:05.559
our audiences southern California, so hopefully we can get you

539
00:25:05.599 --> 00:25:09.000
some business that Hey, here at Joseph Insurance Broker, we

540
00:25:09.480 --> 00:25:13.319
really tend to want to support our local professionals, especially

541
00:25:13.319 --> 00:25:17.200
once we've worked with in the past. We trust you inherently, Johnny,

542
00:25:17.200 --> 00:25:18.880
and so that's why we wanted you on our show,

543
00:25:18.960 --> 00:25:20.599
and we appreciate your time today.

544
00:25:20.640 --> 00:25:20.839
Man.

545
00:25:21.000 --> 00:25:23.359
Thanks man, I appreciate you taking the time to do this.

546
00:25:23.759 --> 00:25:26.160
Yeah, no problem, no problem. Well, thank you for coming

547
00:25:26.200 --> 00:25:29.119
on our Medicare hour more with Peter. You have a

548
00:25:29.160 --> 00:25:31.799
great afternoon and we'll see you next time.

549
00:25:32.400 --> 00:25:34.759
Take care, take care. Bye.

550
00:25:36.240 --> 00:25:36.799
Awesome.

551
00:25:37.039 --> 00:25:40.279
So I hope you guys enjoyed that interview. We did

552
00:25:40.279 --> 00:25:43.200
that last week with Johnny. Again, you can find his

553
00:25:43.359 --> 00:25:46.799
information just going to his website John Alanya A L

554
00:25:46.880 --> 00:25:50.960
A g n A dot com. He's your guy if

555
00:25:51.000 --> 00:25:54.039
you are really serious about looking for a house right now,

556
00:25:54.160 --> 00:25:57.079
or you're just looking to sell your house and upgrading

557
00:25:57.160 --> 00:26:01.039
or downgrading, he's your guy. He's very Like I said,

558
00:26:02.359 --> 00:26:05.200
we want to bring professionals on here that we've actually

559
00:26:05.200 --> 00:26:07.680
done work with and we inherently trust.

560
00:26:08.240 --> 00:26:10.599
That's the most important thing. That's why we bring on

561
00:26:10.960 --> 00:26:12.119
these local businesses.

562
00:26:12.880 --> 00:26:17.079
It's not just all about learning about medicare and insurance products,

563
00:26:17.319 --> 00:26:20.359
but it's also learning about resources out there that we

564
00:26:20.519 --> 00:26:24.759
all need and use on a daily basis. And you know,

565
00:26:24.839 --> 00:26:27.960
Johnny helped us find our first home. We are ecstatic

566
00:26:28.160 --> 00:26:33.400
and happy ever since that transaction happened. So again, reach

567
00:26:33.440 --> 00:26:35.119
out to him if he need some help with the

568
00:26:35.160 --> 00:26:39.599
real estate department. All right, so we are going to

569
00:26:39.720 --> 00:26:43.599
kind of transition here again, just want to recap what

570
00:26:43.640 --> 00:26:47.519
we've shared over the last few weeks. Obviously, we've talked

571
00:26:47.519 --> 00:26:50.759
about enrollment periods with Medicare, how to actually sign up

572
00:26:50.759 --> 00:26:56.200
for Medicare Part A and B with Social Security. We've

573
00:26:56.240 --> 00:27:00.240
also talked about Part C, the Medicare Advantage Plan and

574
00:27:00.599 --> 00:27:05.640
what that entails and what it encompasses. We are going to,

575
00:27:05.680 --> 00:27:07.880
you know, start sharing a little bit more about what

576
00:27:08.000 --> 00:27:11.119
Medicare supplements are and the differences between the supplement and

577
00:27:11.119 --> 00:27:15.640
the advantage side coming up. And then you know, obviously

578
00:27:16.519 --> 00:27:19.960
you know, we are here as an educational piece for

579
00:27:20.119 --> 00:27:21.640
all of you. We want to make sure that you

580
00:27:21.759 --> 00:27:23.920
understand the ins and outs of Medicare and it's not

581
00:27:24.039 --> 00:27:28.400
confusing for you all. So you know, we our audience

582
00:27:28.440 --> 00:27:34.960
is made up of clients, prospects, families under sixty five

583
00:27:35.000 --> 00:27:37.759
because we do all things insurance, so it's not just Medicare.

584
00:27:38.839 --> 00:27:41.599
We have our seniors as a community. We also have

585
00:27:41.759 --> 00:27:44.200
agents who are looking for a new home, and so

586
00:27:44.440 --> 00:27:47.839
that's part of our audience as well. So we welcome

587
00:27:47.920 --> 00:27:50.119
all of you guys, and you can always reach out

588
00:27:50.160 --> 00:27:53.799
to me if you have any questions, all right, So

589
00:27:54.119 --> 00:27:56.759
the next thing is we're going to show a clip

590
00:27:57.000 --> 00:28:02.480
of our insurance brokerage was interviewed by a platform called

591
00:28:02.519 --> 00:28:05.960
biz TV Los Angeles. This is when we first started

592
00:28:05.960 --> 00:28:08.559
out as a business. They wanted to see why we

593
00:28:08.599 --> 00:28:11.599
were so successful and what set us apart, and so

594
00:28:11.640 --> 00:28:14.240
we actually showed some clips here and there in the

595
00:28:14.240 --> 00:28:17.599
past few weeks, but this is the whole ten minute interview,

596
00:28:17.920 --> 00:28:49.400
so please enjoy.

597
00:28:34.119 --> 00:28:34.839
Here on a land.

598
00:28:34.880 --> 00:28:37.119
We're always pleased when we're able to bring guests into

599
00:28:37.200 --> 00:28:40.880
studio who they're chosen profession regards to something.

600
00:28:40.680 --> 00:28:42.160
That we're all going to need someday.

601
00:28:42.200 --> 00:28:44.240
And let me tell you, every day that I live

602
00:28:44.319 --> 00:28:46.920
one day longer, I get one day closer to realizing

603
00:28:47.119 --> 00:28:50.319
just how important this is. We're talking Medicare today here

604
00:28:50.359 --> 00:28:53.440
on all In with Brian Weatherford with a professional Medicare

605
00:28:53.640 --> 00:28:57.000
insurance broker. The name of the company is Joseph Insurance

606
00:28:57.519 --> 00:29:00.559
and we have Peter R. Joseph himself our guest on

607
00:29:00.599 --> 00:29:01.839
all End with Brian Wetherford.

608
00:29:02.079 --> 00:29:04.240
Peter, how are you, sir? Very nice to see you.

609
00:29:04.799 --> 00:29:05.039
Good.

610
00:29:05.079 --> 00:29:05.759
How are you doing.

611
00:29:05.960 --> 00:29:07.079
I'm doing great, Thank you.

612
00:29:07.359 --> 00:29:09.519
I'm really looking forward to this and like I said,

613
00:29:10.039 --> 00:29:12.160
it's the type of thing that we're all going to

614
00:29:12.160 --> 00:29:15.240
be involved with someday, Good Lord willing. And every day

615
00:29:15.240 --> 00:29:17.640
that I wake up, I'm one day closer to needing

616
00:29:17.640 --> 00:29:20.000
to call you. So I might be surprised to know

617
00:29:20.039 --> 00:29:21.960
that I don't need to wait until I'm old enough

618
00:29:21.960 --> 00:29:23.480
to call you. But we'll get into that here in

619
00:29:23.559 --> 00:29:25.720
just a second. First of all, I know you're in

620
00:29:25.720 --> 00:29:28.680
the medicure game, and you obviously have experience in insurance.

621
00:29:28.880 --> 00:29:31.240
But let's back it up a little bit, because not all.

622
00:29:31.119 --> 00:29:33.880
Of your experiences in the insurance world, what else have

623
00:29:33.920 --> 00:29:36.799
you been doing here in your professional life.

624
00:29:37.160 --> 00:29:42.039
Well, honestly, I was in the nonprofit industry for about

625
00:29:42.119 --> 00:29:47.200
twenty two years, and so that was my life, my career,

626
00:29:47.359 --> 00:29:52.599
and because of certain church politics, unfortunately, our family took

627
00:29:52.599 --> 00:29:55.720
a step back and decided to go into the field

628
00:29:55.759 --> 00:30:02.440
of insurance. It actually is pretty similar to the nonprofit sector.

629
00:30:02.119 --> 00:30:02.759
Believe it or not.

630
00:30:03.559 --> 00:30:06.160
We are helping people. We want to make sure they're

631
00:30:06.200 --> 00:30:09.279
getting their needs met. And I felt like it fit

632
00:30:09.359 --> 00:30:12.559
my skill set, and so I went into the life

633
00:30:12.599 --> 00:30:15.799
insurance business and then decided to specialize in medicare this

634
00:30:15.880 --> 00:30:16.480
last year.

635
00:30:17.559 --> 00:30:19.640
Well, it sounds to me just in that brief description,

636
00:30:19.720 --> 00:30:21.960
you're one of these guys that's always had a servant's heart,

637
00:30:22.000 --> 00:30:23.880
if you will, and taking care of people. And we

638
00:30:24.039 --> 00:30:27.599
certainly admire guys and galas like you who had those

639
00:30:27.640 --> 00:30:29.880
abilities because we certainly all need them.

640
00:30:30.000 --> 00:30:31.720
But what I'm curious about it, I totally get it.

641
00:30:31.799 --> 00:30:34.359
You moved from Visions, wanted to try something to got

642
00:30:34.359 --> 00:30:37.160
into life assurance life insurance, and decided to start your

643
00:30:37.160 --> 00:30:40.759
own business. How did you switch to Medicare when you

644
00:30:41.079 --> 00:30:42.880
decided to get into business for yourself.

645
00:30:44.519 --> 00:30:47.599
Well, I realized that there's a lot of our seniors

646
00:30:47.640 --> 00:30:52.000
out there who just stilln't understand the Medicare process and

647
00:30:52.480 --> 00:30:54.519
it can get kind of confusing, and so I just

648
00:30:54.559 --> 00:30:57.640
felt like I could play a role in that in

649
00:30:57.720 --> 00:31:02.480
their lives, to educate them, to help them process and

650
00:31:02.599 --> 00:31:06.920
navigate that journey, and to decipher what each term means

651
00:31:07.200 --> 00:31:10.319
and how to actually start that process. I want to

652
00:31:10.319 --> 00:31:13.759
make sure our seniors are insured to the max and

653
00:31:13.799 --> 00:31:17.240
that they're not being taken advantage of. And because of

654
00:31:17.279 --> 00:31:20.039
my servant's part, that's why I got into this business.

655
00:31:21.039 --> 00:31:23.799
Well, you brought up the term not being taken advantage

656
00:31:23.839 --> 00:31:27.440
of again, very admirable. Appreciate that of you because frankly,

657
00:31:27.920 --> 00:31:31.359
obviously not you, But there are people, sadly within your

658
00:31:31.400 --> 00:31:35.880
industry who aren't let's just say, as dependable and trustworthy

659
00:31:35.920 --> 00:31:39.720
as others. Exactly why is that so important to make

660
00:31:39.799 --> 00:31:42.160
sure that when you're working with someone that you do

661
00:31:42.200 --> 00:31:45.519
get someone who is trustworthy and dependable to tell us

662
00:31:45.559 --> 00:31:46.519
some of the horror stories.

663
00:31:46.519 --> 00:31:47.039
If they're not.

664
00:31:48.519 --> 00:31:52.640
Well, you definitely want an agent who is knowledgeable in

665
00:31:52.680 --> 00:31:56.240
medicare to be in your corner. There have been situations

666
00:31:56.279 --> 00:31:59.680
I've heard of from colleagues to they just try to

667
00:31:59.720 --> 00:32:02.200
sell plan so that they can get their commission and

668
00:32:02.200 --> 00:32:07.839
then they basically don't contact them ever again after that point.

669
00:32:08.000 --> 00:32:11.440
And with my clients, they are my clients for life.

670
00:32:11.759 --> 00:32:14.680
I care mentally about them. I'm always checking in with them,

671
00:32:15.319 --> 00:32:17.720
making sure they're doing okay and they're happy with what

672
00:32:17.759 --> 00:32:20.400
they've got and if not, then we can switch them over.

673
00:32:21.200 --> 00:32:24.759
But there are four stories of people pretending to be

674
00:32:24.839 --> 00:32:31.079
medicare agents getting seniors information and then unfortunately seniors are

675
00:32:31.119 --> 00:32:33.400
paying out money that they shouldn't be paying out. So

676
00:32:33.920 --> 00:32:35.599
I definitely want to protect them from that.

677
00:32:36.559 --> 00:32:39.160
Well, good for you, we need someone like you in

678
00:32:39.200 --> 00:32:40.519
a variety of businesses.

679
00:32:40.519 --> 00:32:43.960
We can talk off the year. Okay, the next thing.

680
00:32:44.160 --> 00:32:46.039
The next thing I wanted to ask you is that

681
00:32:46.160 --> 00:32:49.480
I was talking about on intro for your segment today,

682
00:32:50.039 --> 00:32:52.599
is the fact that Medicare doesn't kick INNDLE sixty five.

683
00:32:52.640 --> 00:32:55.079
But I probably don't want to wait until I'm sixty.

684
00:32:54.799 --> 00:32:57.240
Five to learn about it. Let me know when people

685
00:32:57.240 --> 00:32:58.119
should contact you.

686
00:32:58.160 --> 00:33:00.640
Just start talking, to start preparing, to make sure they're

687
00:33:00.640 --> 00:33:01.640
doing everything properly.

688
00:33:03.000 --> 00:33:06.440
Well, Brian, I've got some prospects that are sixty three

689
00:33:06.519 --> 00:33:08.799
years old and they're working with me now, and so

690
00:33:09.279 --> 00:33:11.920
it's important to navigate. There's so much out there, is

691
00:33:11.920 --> 00:33:15.200
so much information, and you don't want to wait till

692
00:33:15.279 --> 00:33:19.319
last minute. With Medicare, you do have to contact Social

693
00:33:19.319 --> 00:33:23.240
Security Office ninety days prior to your birthdate when you

694
00:33:23.279 --> 00:33:27.960
turn sixty five. And I recommend my clients to get

695
00:33:27.680 --> 00:33:31.680
on the page when they're sixty three, honestly, so that

696
00:33:31.720 --> 00:33:35.000
they can understand what's out there. They can start comparing

697
00:33:35.079 --> 00:33:40.720
plans and get ready for whatever is coming next, whether

698
00:33:40.759 --> 00:33:44.319
it's the retirement age or there are some of my

699
00:33:44.359 --> 00:33:48.279
clients who are still working and are eligible for Medicare,

700
00:33:48.359 --> 00:33:50.960
and they don't realize that they can save money by

701
00:33:51.000 --> 00:33:55.000
switching over to medicare and still working. So that's an

702
00:33:55.039 --> 00:33:57.119
important concept for people to realize.

703
00:33:57.920 --> 00:34:00.440
Well, it's a very important content. And you're exactly right.

704
00:34:00.480 --> 00:34:03.240
I know plenty of people older than sixty five that

705
00:34:03.319 --> 00:34:05.920
I certainly hope they were smart enough to get a

706
00:34:05.920 --> 00:34:08.360
hold obviously of you or someone like you to make

707
00:34:08.400 --> 00:34:11.840
sure that they're getting the benefits that they're absolutely entitled

708
00:34:11.880 --> 00:34:14.679
to and been working for their entire life. That's a

709
00:34:14.719 --> 00:34:17.000
good thing to know, you know. I hear the term

710
00:34:17.239 --> 00:34:19.880
Medicare supplements from time to time. Is that something you're

711
00:34:19.880 --> 00:34:20.880
into as well or not?

712
00:34:22.239 --> 00:34:27.159
Yes, So there are options for people with larger budgets

713
00:34:27.559 --> 00:34:30.440
if they really want to be covered from head to

714
00:34:30.440 --> 00:34:34.280
toe and they want to make sure that they've got

715
00:34:34.280 --> 00:34:38.800
the coverage they need, and I do offer supplements. It's

716
00:34:38.840 --> 00:34:41.480
important for those people who travel a lot to have

717
00:34:41.559 --> 00:34:46.559
supplements because that's coverage for doctors outside of network. And

718
00:34:46.639 --> 00:34:49.280
so if you have a supplement and you travel a lot,

719
00:34:49.320 --> 00:34:50.599
then you're definitely covered.

720
00:34:51.679 --> 00:34:52.599
Yeah, absolutely.

721
00:34:52.599 --> 00:34:54.360
I mean you don't want to think you're covered and

722
00:34:54.360 --> 00:34:57.159
then go on the road and goodness, crisis something happens,

723
00:34:57.199 --> 00:34:59.719
then all of a sudden, it could be way more

724
00:35:00.159 --> 00:35:02.119
ensus than you ever envisioned.

725
00:35:02.159 --> 00:35:02.920
So good for you.

726
00:35:03.079 --> 00:35:04.679
Good for you to get the word out to people

727
00:35:04.719 --> 00:35:06.840
on that you know, you're just a good guys we

728
00:35:06.960 --> 00:35:09.440
talked about before you got into this business, and the

729
00:35:09.519 --> 00:35:12.440
fact that even while you're in this business, not just

730
00:35:12.679 --> 00:35:16.159
from a professional standpoint, but from a personal standpoint, you're

731
00:35:16.280 --> 00:35:19.239
very active within the community a basketball coach, among other things.

732
00:35:19.239 --> 00:35:21.440
If I read the notes properly, why is this so

733
00:35:21.519 --> 00:35:25.320
important for you personally and maybe professionally to get involved

734
00:35:25.360 --> 00:35:26.280
within the community.

735
00:35:28.440 --> 00:35:31.559
I want to be considered a trusted individual in the

736
00:35:31.639 --> 00:35:34.360
small business realm, and so I think it's important to

737
00:35:34.440 --> 00:35:38.199
get back to the community. I've got two little kids

738
00:35:38.199 --> 00:35:39.639
of my own, a five year old and a ten

739
00:35:39.679 --> 00:35:42.880
year old, and so I think it's important for them

740
00:35:42.880 --> 00:35:47.679
to see a father figure out there coaching and sports

741
00:35:47.639 --> 00:35:51.320
secervities that they're involved with, and so I get back.

742
00:35:51.880 --> 00:35:54.280
You know, obviously I don't get paid for those positions,

743
00:35:54.320 --> 00:35:59.880
but I love just spending time and building trust and

744
00:36:00.039 --> 00:36:02.679
relationships within our community, and so that's why I do

745
00:36:02.760 --> 00:36:06.400
what I do. I coach soccer, I coach basketball. We

746
00:36:06.440 --> 00:36:09.719
do community cleanups when we see those in our community.

747
00:36:10.480 --> 00:36:12.320
It's important for a family to give back.

748
00:36:12.800 --> 00:36:15.840
Well, it's important for everybody to get back, quite frankly, Peter,

749
00:36:15.920 --> 00:36:18.280
but a lot of people don't. So I hope, hope

750
00:36:18.320 --> 00:36:20.760
people watching this today realize. You know what I always

751
00:36:20.800 --> 00:36:22.920
like to tell people, is this going back to your

752
00:36:22.920 --> 00:36:23.679
nonprofit world.

753
00:36:23.719 --> 00:36:25.000
You know there's way better than I do.

754
00:36:25.320 --> 00:36:28.119
All nonprofits need to raise money, of course, of course

755
00:36:28.119 --> 00:36:30.360
they do, but you know what, they also need time.

756
00:36:30.519 --> 00:36:33.039
They need people to volunteer their time to go in

757
00:36:33.119 --> 00:36:35.880
and if it's just to blow a whistle at a

758
00:36:35.960 --> 00:36:37.559
kid's basketball.

759
00:36:37.039 --> 00:36:39.119
Game or something, I mean everything helps.

760
00:36:39.199 --> 00:36:42.239
Everything adds up, and I applaud you for your community

761
00:36:42.239 --> 00:36:45.320
efforts helping people out as well. Curious, we know that

762
00:36:45.360 --> 00:36:47.639
you're a Medicare broker. Do you work with other types

763
00:36:47.679 --> 00:36:48.840
of insurance as well or not?

764
00:36:50.320 --> 00:36:53.760
I do. I actually just got contracted with Covered California.

765
00:36:54.119 --> 00:36:58.039
I do run into individuals who have spouses that aren't

766
00:36:58.079 --> 00:36:59.840
sixty five yet, and I want to give them an

767
00:37:00.039 --> 00:37:03.000
option to fill the gap and sol they turn sixty

768
00:37:03.039 --> 00:37:06.760
five and then are eligible for Medicare. So I do

769
00:37:07.280 --> 00:37:11.599
help with healthcare needs and I do a life insurance

770
00:37:11.599 --> 00:37:14.440
on the site. But honestly, Brian, I'd say ninety percent

771
00:37:14.480 --> 00:37:15.679
of my business's medicare.

772
00:37:16.639 --> 00:37:20.679
Well, you know, I like a guy who realizes the

773
00:37:20.719 --> 00:37:23.559
importance of let's just say, put all your eggs in

774
00:37:23.599 --> 00:37:26.000
one basket and watch that basket, because the Lord knows

775
00:37:26.039 --> 00:37:29.199
something is confused in a medicare. Every day you wake up,

776
00:37:29.239 --> 00:37:31.719
you might learn something new about medicare, and you're certainly

777
00:37:31.800 --> 00:37:34.119
going to know more than the people looking to get

778
00:37:34.119 --> 00:37:36.559
into medicare. But to give with a professional like you

779
00:37:36.880 --> 00:37:39.800
who dedicates everything to medicare and all the ins and

780
00:37:39.840 --> 00:37:42.639
outs and nuances that that is that is so important

781
00:37:42.679 --> 00:37:45.920
for people, and the fact that you are trustworthy, independentble

782
00:37:46.119 --> 00:37:48.280
is just icing on the cake because it's such.

783
00:37:48.119 --> 00:37:49.159
A complicated thing.

784
00:37:49.360 --> 00:37:51.960
But as I mentioned before, medicare is the type of

785
00:37:52.000 --> 00:37:54.480
deal that we all need to be aware of and

786
00:37:54.519 --> 00:37:56.760
we can't do it on our own. We need people

787
00:37:56.840 --> 00:37:59.400
like you to assist us. Hey, man, I appreciate it.

788
00:37:59.400 --> 00:38:00.559
It's a good time today.

789
00:38:00.320 --> 00:38:02.199
Sharing your story. I like the backstory.

790
00:38:02.400 --> 00:38:04.639
I like what you're doing now, and I'm just guessing

791
00:38:04.840 --> 00:38:08.039
you'll continue to tell people for some time because Yeah,

792
00:38:08.119 --> 00:38:09.599
that's servant ark we've talked about.

793
00:38:09.800 --> 00:38:11.800
Thanks Peter, appreciating.

794
00:38:11.280 --> 00:38:27.119
You take care of Sey here bye boy.

795
00:38:20.639 --> 00:38:23.880
Ooh that takes me back. That was quite a bit

796
00:38:23.920 --> 00:38:24.440
of time ago.

797
00:38:24.480 --> 00:38:27.199
Of course, my kids are older now, my daughter is

798
00:38:27.280 --> 00:38:30.679
fifteen and my son is eleven, so but that was

799
00:38:30.719 --> 00:38:32.800
when I was first started out. Again, you know, I

800
00:38:32.800 --> 00:38:34.880
don't look the same obviously, I've lost one hundred and

801
00:38:34.920 --> 00:38:39.280
forty pounds since then, and so I just wanted to

802
00:38:39.639 --> 00:38:42.679
kind of reiterate what our insurance brokerage is all about.

803
00:38:43.400 --> 00:38:46.599
You know, at the time said we do ninety percent Medicare.

804
00:38:46.639 --> 00:38:50.559
It's actually gone down. We do all things insurance. Now,

805
00:38:51.079 --> 00:38:53.920
I would say about sixty percent of my businesses on Medicare.

806
00:38:55.039 --> 00:38:59.960
But we do life insurance, small business group benefits, liability,

807
00:39:00.199 --> 00:39:05.400
business insurance, travel insurance, earthquake co owners, auto insurance.

808
00:39:05.440 --> 00:39:06.079
We do it all.

809
00:39:06.159 --> 00:39:08.440
So we want to be a one stop shop for

810
00:39:08.559 --> 00:39:12.440
all our clients. Obviously Medicare is our specialty, but just

811
00:39:12.480 --> 00:39:13.679
want to make.

812
00:39:13.599 --> 00:39:14.280
You aware of that.

813
00:39:14.400 --> 00:39:19.639
But again, we are not a transactional business. We love

814
00:39:19.719 --> 00:39:22.440
to build that relationship with our clients and continue to

815
00:39:23.519 --> 00:39:26.320
have that conversation with our clients year and the year out,

816
00:39:26.440 --> 00:39:28.599
so it's not a one and done deal. So just

817
00:39:28.679 --> 00:39:31.480
keep that in mind as you're working with us. Obviously,

818
00:39:31.559 --> 00:39:34.840
you can find all our information on josephinsurancebroker dot com.

819
00:39:35.639 --> 00:39:37.760
Before we continue, I do want to mention some of

820
00:39:37.800 --> 00:39:41.840
our sponsors. You know, I sometimes forget, but these are

821
00:39:41.880 --> 00:39:45.119
the sponsors that give us the reason of why we're

822
00:39:45.119 --> 00:39:48.519
here today everything. Senior Insurance is one of them. They

823
00:39:48.559 --> 00:39:52.840
are a marketing organization out in Utah. Lead Heroes is

824
00:39:52.880 --> 00:39:59.239
another organization. We are also sponsored by I Shop. It's

825
00:39:59.280 --> 00:40:01.559
a mystery shop company. If you're ever interested in that,

826
00:40:01.719 --> 00:40:04.159
just go back to one of our episodes where we

827
00:40:04.199 --> 00:40:07.760
interviewed Mercedes and find out more information on that. And

828
00:40:08.679 --> 00:40:13.559
we also are sponsored by Gray's Craze, a shiputery catering

829
00:40:13.559 --> 00:40:20.280
company out here in Ontario and Corona, so definitely look

830
00:40:20.360 --> 00:40:23.400
up that information as well. We did interview the owners

831
00:40:23.519 --> 00:40:26.760
a couple of weeks ago as well. All right, so

832
00:40:26.920 --> 00:40:29.400
I'm going to try to share here. Let's see this

833
00:40:29.440 --> 00:40:31.000
in the first time I'm doing this, So let's see

834
00:40:31.039 --> 00:40:33.159
if I can do this right?

835
00:40:35.000 --> 00:40:35.360
All right?

836
00:40:36.199 --> 00:40:37.400
No, no, no, no, no, no.

837
00:40:42.320 --> 00:40:44.280
Okay, perfect, Okay.

838
00:40:44.360 --> 00:40:47.320
So the file I'm going to share, it's a PowerPoint

839
00:40:47.440 --> 00:40:48.559
of our medicare one.

840
00:40:48.559 --> 00:40:53.199
Oh one if I can find it here. We'll find

841
00:40:53.239 --> 00:40:57.679
it here real quick, all right.

842
00:40:57.679 --> 00:41:00.920
Give me one second. Definitely want to get the right

843
00:41:00.960 --> 00:41:03.320
file here. I've got quite a few power points. So

844
00:41:05.800 --> 00:41:18.280
here we go. All right, So we do this Medicare

845
00:41:18.320 --> 00:41:21.400
one on one with assisted living facilities as well as

846
00:41:23.800 --> 00:41:27.519
senior centers. Okay, there it is all right. I just

847
00:41:27.519 --> 00:41:39.159
want to make sure I have the right one. Okay,

848
00:41:39.360 --> 00:41:43.159
so this will be a lot faster next time because

849
00:41:43.199 --> 00:41:50.159
I'll know what I'm doing here. All right, perfect, here

850
00:41:50.159 --> 00:41:58.599
we go. All right, it's just processing the file again.

851
00:41:58.679 --> 00:42:00.679
This will show you the difference is that we show

852
00:42:00.760 --> 00:42:08.679
between Medicare and Medicare supplements and Medicare advantage and how

853
00:42:08.679 --> 00:42:09.400
to sign up.

854
00:42:10.559 --> 00:42:12.559
It will also talk about.

855
00:42:12.360 --> 00:42:18.400
The the rates that everyone pays every month. For this year,

856
00:42:18.719 --> 00:42:22.960
it is two hundred and two dollars a month for

857
00:42:23.039 --> 00:42:28.480
most folks. There is a chart that shows us if

858
00:42:28.480 --> 00:42:30.760
you're making a certain amount of money, then it actually

859
00:42:30.960 --> 00:42:31.400
is more.

860
00:42:31.960 --> 00:42:33.079
All right, So here we go.

861
00:42:34.599 --> 00:42:39.880
Awesome, Okay, so I know we only have about six minutes,

862
00:42:39.920 --> 00:42:41.719
so we're not going to go through this whole slide today.

863
00:42:41.760 --> 00:42:46.679
We'll finish it off the next show. But just a

864
00:42:46.679 --> 00:42:49.360
little bit of information. So you know, we share this,

865
00:42:49.599 --> 00:42:54.119
like I said, with different clients on our webinars, talks

866
00:42:54.119 --> 00:42:57.920
about my business and who I am and.

867
00:42:57.760 --> 00:42:59.679
What I've done.

868
00:43:02.440 --> 00:43:07.079
And so we're going to quickly go over what Medicare

869
00:43:07.239 --> 00:43:09.639
is first of all. So Medicare is a federal health

870
00:43:09.639 --> 00:43:12.840
insurance program. It's run by CMS, which is the Centers

871
00:43:12.840 --> 00:43:15.639
for Medicare and Medicaid part of the US Department of

872
00:43:15.679 --> 00:43:19.960
Health and Human Services. Obviously, when you do sign up

873
00:43:20.000 --> 00:43:23.440
for Medicare and you're not collecting Social Security, you're going

874
00:43:23.480 --> 00:43:28.280
to get a bill from CMS Centers for Medicare and Medicaid.

875
00:43:28.719 --> 00:43:31.559
You get billed three months at a time, and that

876
00:43:31.719 --> 00:43:36.920
is for your Medicare Part B. And we all pay

877
00:43:36.960 --> 00:43:39.239
into Medicare. So if you look at your paycheck, if

878
00:43:39.280 --> 00:43:44.119
you're a W two, even if you're self employed, money

879
00:43:44.199 --> 00:43:48.199
goes to both Social Security and Medicare. Medicare is not free.

880
00:43:48.280 --> 00:43:51.519
That is a myth that people I come across all

881
00:43:51.559 --> 00:43:53.199
the time think Medicare is free.

882
00:43:53.280 --> 00:43:53.639
It is not.

883
00:43:53.840 --> 00:43:56.880
We actually do pay a little bit, not much, but

884
00:43:56.920 --> 00:44:01.039
we do have to pay some when we do become

885
00:44:01.079 --> 00:44:05.079
eligible for Medicare. So important terms for you guys to

886
00:44:05.159 --> 00:44:07.400
know is premium is the price you pay, typically on

887
00:44:07.440 --> 00:44:11.559
a monthly basis. Deductible's amount you pay prior to plan coverage.

888
00:44:12.000 --> 00:44:13.800
The copay is a fixed amount you pay at the

889
00:44:13.840 --> 00:44:15.960
time of service, and co insurances amount you pay for

890
00:44:16.000 --> 00:44:19.880
a service, typically expressed in the percentage. So most HMO

891
00:44:20.039 --> 00:44:23.480
Medicare advantage plans out here, though premium is going to

892
00:44:23.519 --> 00:44:26.800
be zero dollars all most of those plans deductible. There

893
00:44:26.880 --> 00:44:30.800
is not really a typical deductible. It's actually called maximum

894
00:44:30.840 --> 00:44:33.760
out of pocket expense. And then out here in California,

895
00:44:33.760 --> 00:44:38.000
it's so competitive that the maximum out of pocket expense

896
00:44:38.119 --> 00:44:40.800
is usually about two hundred to eight hundred dollars at

897
00:44:40.800 --> 00:44:45.880
the most that you'll pay. So original Medicare covers many,

898
00:44:45.920 --> 00:44:48.599
but not all, healthcare related services, and we've talked about

899
00:44:48.639 --> 00:44:51.360
this on the show over and over again. You know,

900
00:44:51.440 --> 00:44:54.400
long term care is not covered by Medicare, and so

901
00:44:54.480 --> 00:44:56.880
you want to make sure that when you're around age

902
00:44:56.920 --> 00:45:00.280
fifty that you talk with a specialist like myself to

903
00:45:00.320 --> 00:45:02.519
get onto a long term care policy because the older

904
00:45:02.559 --> 00:45:04.960
you get, the more expensive it's going to be, and

905
00:45:05.000 --> 00:45:06.760
you want to make sure you're covered. You don't want

906
00:45:06.800 --> 00:45:09.800
to be a burden on your family members, and you

907
00:45:09.800 --> 00:45:12.480
want to make sure you're covered for in home support

908
00:45:12.760 --> 00:45:13.639
or or if.

909
00:45:13.599 --> 00:45:15.159
You're an assisted living facility.

910
00:45:15.960 --> 00:45:19.599
Those policies are not that expensive when you're younger, but

911
00:45:19.639 --> 00:45:23.599
they do get pretty pricey when you get older. So

912
00:45:23.719 --> 00:45:27.199
Part A hospital insurance that covers your inpatient hospital stays,

913
00:45:27.280 --> 00:45:31.679
your skilled nursing facility care, your hospice care. Yes, Medicare

914
00:45:31.719 --> 00:45:36.039
does cover hospice and home healthcare. And again for most people,

915
00:45:36.079 --> 00:45:38.480
there is no premium. For those who don't qualify for

916
00:45:38.519 --> 00:45:41.960
no premiums, you may be able to actually buy into Medicare.

917
00:45:42.079 --> 00:45:47.079
For those who are residents aliens here in the US,

918
00:45:47.280 --> 00:45:51.599
or haven't actually worked enough hours or years in the

919
00:45:51.719 --> 00:45:55.320
United States, you would actually buy into Medicare. And that

920
00:45:55.519 --> 00:46:00.199
is for A and B. It is pretty expensive, but

921
00:46:00.360 --> 00:46:02.679
we can talk about that. But remember you have to

922
00:46:02.719 --> 00:46:05.119
work ten years here in the United States to qualify

923
00:46:05.559 --> 00:46:10.280
for Part A and Part B. And then Part B

924
00:46:10.480 --> 00:46:17.159
covers your doctor visits, outpatient care, home healthcare, durable medical equipment,

925
00:46:17.199 --> 00:46:21.000
and some preventive services such as certain vaccines and cancer screenings.

926
00:46:21.880 --> 00:46:24.199
What's the cost, Well, the cost is based on income,

927
00:46:24.760 --> 00:46:27.239
and we'll look at that chart. So the standard Part

928
00:46:27.280 --> 00:46:29.639
B premium for last year was one eighty five. Again

929
00:46:29.679 --> 00:46:34.360
this year it's actually two two, so that has been updated,

930
00:46:34.519 --> 00:46:37.039
and that premium does tend to go up every year,

931
00:46:37.199 --> 00:46:41.400
so just keep that in mind as well. So as

932
00:46:41.480 --> 00:46:43.960
you can see, it went up seventeen dollars from last year,

933
00:46:44.320 --> 00:46:50.280
and that year's your Part B premium. And then qualifications

934
00:46:50.280 --> 00:46:53.679
for Medicare Part A and B determined by the federal government.

935
00:46:53.760 --> 00:46:54.320
You have to be.

936
00:46:54.280 --> 00:46:57.840
Obviously sixty five or older. If you're under sixty five,

937
00:46:57.880 --> 00:47:00.000
you have to have certain disabilities. So if you're full

938
00:47:00.239 --> 00:47:04.239
disabled for two years, you actually qualify for Medicare. Have

939
00:47:04.440 --> 00:47:08.760
end stage renal disease or have als in the first

940
00:47:08.840 --> 00:47:12.079
month of diagnosis. Plus you have to be a citizen

941
00:47:12.159 --> 00:47:14.800
of the US or a legal resident for at least

942
00:47:14.840 --> 00:47:19.039
five five consecutive years, so keep that in mind. Otherwise

943
00:47:19.039 --> 00:47:20.880
you have to buy into Part A and Part B.

944
00:47:22.239 --> 00:47:24.119
All right, So we got a couple of minutes left here.

945
00:47:24.159 --> 00:47:28.400
I'm going to just probably pause in just a second

946
00:47:29.480 --> 00:47:32.280
and then we'll continue to slideshow next time we meet.

947
00:47:34.559 --> 00:47:37.239
But as you can see here, to apply for Medicare,

948
00:47:37.400 --> 00:47:39.840
you go to your local Social Security offices. That's what

949
00:47:39.880 --> 00:47:43.599
we've talked about before. You can actually create an account

950
00:47:43.679 --> 00:47:46.360
on SSA dot gov, which is what I would recommend

951
00:47:46.840 --> 00:47:50.039
if you're tech savvy, do not call Social Security that

952
00:47:50.159 --> 00:47:52.920
you're going to be on hours upon hours of wait time.

953
00:47:53.400 --> 00:47:56.440
So I would say go with option one or option

954
00:47:56.599 --> 00:48:06.440
two to be safe, all right. And then our last

955
00:48:06.440 --> 00:48:09.559
slide that we're going to talk about is initial enrollment period.

956
00:48:09.920 --> 00:48:10.519
So this is the.

957
00:48:10.559 --> 00:48:12.800
Seven month window that allows you to apply for and

958
00:48:12.920 --> 00:48:16.079
enroll in Medicare. Three months prior to your sixty fifth

959
00:48:16.159 --> 00:48:18.719
month of your sixty fifth and three months following your

960
00:48:18.719 --> 00:48:23.719
sixty fifth birthday. That is your initial enrollment period. Now

961
00:48:23.760 --> 00:48:26.559
we'll talk about what happens if you're working and are

962
00:48:26.599 --> 00:48:30.280
getting insurance through your employer. Obviously that's a different situation,

963
00:48:30.360 --> 00:48:32.920
but this is if you are going to be turning

964
00:48:32.960 --> 00:48:35.079
sixty five and you want to get onto Medicare right

965
00:48:35.079 --> 00:48:40.039
when you turn sixty five. All right, So I'm going

966
00:48:40.079 --> 00:48:46.639
to stop there with our slide show, and what we're

967
00:48:46.679 --> 00:48:50.280
going to do is actually finish up this slide show

968
00:48:50.360 --> 00:48:53.960
this next week. I hope you enjoyed our interview clips

969
00:48:54.000 --> 00:48:58.719
with both Johnny as well as bis TV with Brian Redford.

970
00:48:59.440 --> 00:49:01.840
I appreciate you guys making the time to watch our

971
00:49:01.880 --> 00:49:06.840
show every week. And I want to just do one

972
00:49:06.880 --> 00:49:09.679
little shout out. I'm a big Lakers fan. They've got

973
00:49:09.679 --> 00:49:12.159
a big game on Wednesday. Hopefully they close out that

974
00:49:12.239 --> 00:49:15.199
series with Houston. So all my Laker fans out there,

975
00:49:15.679 --> 00:49:18.760
let's hope and pray that they win Wednesday night and

976
00:49:18.800 --> 00:49:22.639
go on to the next round. All right, you guys, well,

977
00:49:22.679 --> 00:49:27.599
thank you so much. Josepha Churchbroker cares about individual businesses

978
00:49:28.079 --> 00:49:30.599
here locally, and we bring them on our show for

979
00:49:30.639 --> 00:49:35.119
that reason. We care about you immensely. And remember we

980
00:49:35.159 --> 00:49:39.639
are not transactional. We build relationships because we Medicare.

981
00:49:41.400 --> 00:49:42.400
Thanks for listening.

982
00:49:42.800 --> 00:49:46.920
Tune into Medicare Hour and More with Peter every Tuesday

983
00:49:46.960 --> 00:49:50.920
at nine am Pacific time right here on KFOHD Radio

984
00:49:51.239 --> 00:49:54.840
at afourhd dot com for more real.

985
00:49:54.599 --> 00:49:56.360
Life stories from experts.

986
00:49:56.960 --> 00:50:01.599
Medicare about you and protecting your health, your finances, and

987
00:50:01.880 --> 00:50:03.880
your future. See you next week.