April 7, 2026

Mastering the Medicare Maze: Expert Strategies, Trends & Insights with Misty Bolt

Mastering the Medicare Maze: Expert Strategies, Trends & Insights with Misty Bolt
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Season 1

Episode 5 of MedicareHour & More with Peter features Misty Bolt, Founder of MedicareMisty, with 25+ years in Medicare. Learn how to navigate Original Medicare, Medicare Advantage, Medigap, and Part D with expert enrollment strategies and plan comparisons. Plus insights on industry trends, her book Navigating the Medicare Maze, and national impact. Includes current events, sports, and real talk—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 k for HD Radio.

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This is the podcast for all types of insurance solutions

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while specializing in Medicare because we Medicare.

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Here's your host, Peter R.

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Joseph. Good morning, good morning, good morning. I'm so glad

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to see all of you, guys. It is episode five

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of our radio show. I can't believe he already in April.

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It's crazy. This time is just flying by. I hope

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you had all a wonderful, wonderful easter and spring break

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for those of you have kids and families. And yeah,

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our family actually went out to Disneyland for a couple

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of days. It was very crowded. I'm not sure it

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used to be so fun and now, it's just it's overcrowded.

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It was definitely hot, and a lot of the rides

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broke down, so it wasn't the greatest experience. But my

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kids had a good time, so that's all that matters.

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But anyways, we've got a great show today. We've got

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a special guest. Her name is Missy Bolt. She's a

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CEO of Medicare Misty, so we'll see her in a

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few minutes here, but we will continue on our conversation

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breaking down Medicare for you guys, making it simple. We've

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covered Medicare Parts A, B, C and D. We've covered

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the different enrollment periods for Medicare, when you're supposed to

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sign up, how you're supposed to sign up. So hopefully

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you caught all those tidbits of knowledge and information and

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it's been helpful and you've been able to apply it

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to yourselves. We are going to dive more into Medicare

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Parts C. We did start talking about it a little

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bit this last week. We're going to continue talking about

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that today if we have time, and then we'll have

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our great interview and conversation with Misty talking about the

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Medicare trends and things happening in this space that might

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be concerning I might be needing some of our attention.

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There's definitely going to be some more disruption for this

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next year with Medicare again unfortunately, and so you know,

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this is kind of the time where plans are starting

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to shut down, PPOs aren't as prevalent, and if it's

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our getting cut unfortunately left and right, that doesn't mean

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there's ways around that. We're going to talk about how

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to navigate all of that. So all right, so let's

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dive into Medicare Part C and then we'll wait until

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Misty comes on board and then we'll jump into our

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interview with her. So we had talked about how Part

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C is the Medicare Advantage plan space, and so that

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is where it includes your Part AB and then d

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IS and DOG for your prescriptions. It's all in one versus.

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Remember Medicare Supplement we talked about was like an all

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a kart system, so you have to figure out also

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budget wise, Medicare advantage usually doesn't cost anything extra. However,

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Medicare Supplement does have an extra premium, so budget wise,

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you have to figure out what is best for you

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and what you can afford so that's why a lot

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of folks do go the route of Medicare parts see,

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because there is no extra premium that you have to pay,

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and it also includes your extra benefits usually of dental, vision, hearing,

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over the counter allowance, transportation, all those necessities that you

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might want that's not going to be included in a

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Medicare supplement And so that's kind of the key that

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we want to focus in on. The bad thing about

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Medicare advantage is that you are stuck in a HMO network.

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There are PPO plans, not as many as there used

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to be, but you are, you know, in a network.

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There is coordinated care. That's the strong suit. But with

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a Medicare supplement plan, you're able to see whatever doctor

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you want without any authorization. With the HMO plan, you

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have to usually go through your primary care doctor to

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see a specialist. So that's the big difference, and so

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people like to have that freedom, but you pay for

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what you get, right, So we're going to continue talking

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about the different extra benefits that there are though, So,

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like I said, there's vision, hearing, gym membership. Gym membership

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is included also on the supplement side, over the counter allowance.

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It just ranges from planning to plan. Sometimes it's about

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twenty five dollars a quarter. Sometimes it goes up to

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one hundred dollars a quarter. It just depends on the plan.

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But you can use that for the pharmacy section, anything

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that's in there, like band aids, vitamin supplements. Most carriers

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will send you a catalog of what you can get. Transportation,

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usually it's coordinated through uber or Lyft. Some carriers do

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have their own services as well. And the meal programs

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after hospital stays are surgical procedures, So those are the

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extra benefits. And then again we said it does include

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prescription party and then the coordinated care. It's especially strong

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with HMOs. Doctors communicate within the network, so you've got

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that advantage as well on the Medicare advantage side. So

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the difference again with HMO is you can stay in

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network PPO you can go in or out of network.

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But like I said earlier, PPOs are not as prevalent.

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There's not a lot of choices out there, especially in

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southern California. It's just it hasn't been beneficial for the

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insurance carriers and that's why a lot of them have

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shut them down, so just keep that in mind. And

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then we briefly talked about special needs plans. Those are

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for chronic conditions like diabetes, heart conditions, lung conditions like COPD.

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So those plans are adapted to those chronic illnesses and

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it's just more coordination, better coordination for those illnesses. So

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that's why you want to be on those plans, especially

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with the prescription drugs that you would be taking if

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you're on one of those illnesses. All right, So the

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key benefits of medicare advantage. You've got lower monthly premiums.

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Like I said, a lot of them are zero dollars,

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especially out here in California. The maximum out of pocket

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that you would spend, Remember that's different from a deductible,

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So maximum out of pocket here in California, I mean

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it's low. It's about two hundred to eight hundred dollars

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max on most plans out here. And that's the most

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you would ever spend. God forbid if something happens to you,

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you know, cancer, chemotherapy, those kind of things. So that's

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the most you would pay out of pocket. You do

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have to alsways pay your part B premium. That's that's

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never going to go away. A lot of my clients think, oh,

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I'm a Medica it's free. It's not free. Medicare Part B.

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You're paying a premium right now. It's about two oh

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two for most folks per month, two hundred and two dollars.

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And we do pay into Medicare, but we pay into

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it so that we keep the premiums low. It's not

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so that we can have Medicare for free. So just

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keep that in mind. The Medicare is not free. Again,

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the maximumount of pocket protection once you reach it, the

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plan that you're on for Medicare Advantage pays one hundred

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percent and then you know you've got those extra benefits

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as well. Now, let's evaluate real quick the prior authorization process,

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because there are potential interventions to reduce unnecessary initial denials.

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That's what a lot of people are scared of when

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they go on Medica Advantage. They feel like they're not

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going to get proved for procedures, they're not gonna be

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able to see certain doctors because they're not in network,

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and they're afraid that their claims will be denied. So

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I will tell you from my experience, a lot of

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my clients are happy with the carriers that they're on.

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Because of my experience, I know which ones work well

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with each other, which ones have a quick turnaround for authorizations.

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So you have to get with an agent like myself

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that's specially knowledgeable about the carriers and their procedures. Okay.

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So there's instances where the provider orders imaging and then

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there's a prior authorization required okay, and then it's either

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approved or denied. If it's approved, the imaging is performed

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and then you go see your doctor or you go

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over your results. If it's denied, it's called what's a

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peer to peer required There is an appeal process, but

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a lot of times if you're seeenior primary care doctor,

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pretty often these cases aren't going to be denied. You

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just want to assess documation patterns for opportunities to reduce

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risk for denial.

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Okay.

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Your doctors are pretty knowledgeable about how to navigate that

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system as well. You know, you want to streamline the workflow,

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ensure that doctors are putting in the right reasons for

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you getting that imaging or those tests, and if they're

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connected to, you know, something that you've been diagnosed with

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that's a greater chance of that being approved. So just

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keep that process in mind. Now, the generosity of Medicare

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advantage compared to traditional Medicare, there's a difference between the

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monthly out of pocket costs and traditional Medicare versus Medicare advantage.

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So if you're just on original Medicare, let's say you

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sign up, you turn sixty five, you're just on Medicare,

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and you pick up a part dy for your prescription

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drug coverage. There is no ceiling to the max out

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of pocket costs when you're on original Medicare. That's why

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folks get onto a private plan through Medicare advantage or

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through Medicare supplement is to mitigate those costs and make

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sure that there is a ceiling. So again, keep that

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in mind that there is no ceiling. If you're just

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on original Medicare, they pay eighty percent and then you're

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responsible for twenty percent of the total costs. So you know,

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if you've got a bill for one hundred thousand dollars,

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you're going to owe twenty thousand dollars on that bill,

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all right, So just keep that in mind. Again. Here's

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the here's the other pitfalls versus original Medicare and Medicare supplements.

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If you're on a Medicare advantage, again, you're not outside

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of network unless it's an emergency through urgent care or

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through an emergency room facility. Otherwise you cannot go outside

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of network for your specialists, for any doctors, ongoing treatment

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and cancer care continuity, all those have to be in network,

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all right, So there are network restrictions. That's a big

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issue when clients move or travel, especially if you have

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family in other states and you want to stay there,

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let's say for six months out of the year. You know,

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my suggestion would be to go on a Medicare supplement

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versus Medicare advantage. That way you're able to see other

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doctors in other states. So that's a reason to go

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the route of a Medicare supplement over a Medicare advantage. Again,

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there's prior authorizations, so you know, many services require approval,

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MRIs require approval, surgeries require approval, certain medications require prior authorization.

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And then sometimes you know, folks will run into delays

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and care, which is a major frustration point. You know,

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the way times across the board right now, our health

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sector is very impacted and understaffed, and so we're hearing

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stories of people not able to see their primary care

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doctors for three or four months at a time. They'll

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call in and they can't get an appointment until three

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months ahead of time. So that is a concern, and

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so another way around that is to try to get

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on a supplement plan, see another doctor as an alternative,

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and get in to see that doctor quicker. So again,

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though there is an extra cost to a Medicare supplement.

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The other thing that happens is plan changes every year,

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so benefits, networks, formularies change annually. Doctors and hospitals can

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be dropped, plans exit and enter the market, and so

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there's frustrations on that part. That's why we review with

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our clients our Medicare advantage planes every year to make sure,

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you know, the benefits are staying the same, if they're

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increasing or decreasing, their doctors are still staying in network,

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you know, and if they don't or there's issues with

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certain prescriptions, then we have to navigate and figure out

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a different carrier that a client has to be with.

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And that annual rollment period again is every year October

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through December, So yeah, there is a headache about doing

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stuff like that. I'm going to stop there. See if

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Misty is with us or not. I don't know if

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she's hopped on. Hopefully she has. All right, Well, I'm

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going to at least do an intro for her. Nope,

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she's not on yet, Okay, So I'm going to just

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share real quick about Misty. Maybe by the time I

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finish this she will come on. If not, that's okay.

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So Misty Bolt is the founder of Medicare Misty. She

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has over twenty five years experience in the insurance industry.

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Her focus is navigating the Medicare mais, including original Medicare

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and Medicare Advantage, medigap, and party prescription drug plans. Her

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services are enrollment assistants, plan comparisons, educational events like insurance

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book camps. She is located on the East Coast. She

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is in Tennessee, so she primarily works out on the

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East Coast. But she does you know, she has licensed

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in forty five states. In Puerto Rico, she does have

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fifty five agents under her belt. How did I meet

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Missy while? We met actually through social media. So social

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media is a powerful tool obviously where we can meet

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our colleagues and peers in this industry. And so that's

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how Missy and I have met. I've known Misty for

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quite a while. She authored the book Navigating the Medicare

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mais with Medicare Misty. Probably find that book on Amazon again.

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That book is called Navigating the Medicare Made with Medicare Misty,

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and that was to help provide guidance on healthcare options.

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She also authored a children's book that comes out this may,

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so be on the lookout for that. She has her

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own business, She's hosted a talk show, runs her own magazine,

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wrote her own jingle, wrote her home wine. Wow, that's

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pretty cool. So Missy's got a lot of experience in

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a lot of different fields. We're excited to have her

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on later on in the show. So we'll just continue

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to hold on and wait for her to come on.

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And so in the meantime, what I'm going to do

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is break for our first commercial. This commercial role kind

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of explain why you would trust Joseph insurance broker with

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your needs.

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Is the fact that Medicare doesn't kick handle sixty five.

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I probably don't want to wait until I'm sixty five

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to learn about it. Let me know when people should

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contact you, just start talking, to start preparing, to make

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sure they're doing everything properly.

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00:17:10.279 --> 00:17:13.720
Well, Brian, I've got some prospects that are sixty three

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years old and they're working with me now, and so

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it's important to navigate. There's so much out there, is

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so much information, and you don't want to wait till

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last minute. With Medicare, you do have to contact Social

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Security Office ninety days prior to your birthdate when you

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turn sixty five. And I recommend my clients to get

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on the page when they're sixty three, honestly, so that

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they can understand what's out there. They can start comparing

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plans and get ready for whatever is coming next, whether

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it's the retirement age or there are some of my

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clients who are still working and are eligible for Medicare

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and they don't realize that they can save money by

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switching over to medicare still working. So that's an important

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concept for people to realize.

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All right. So again, that was another interview with biz TV.

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When I first started out. A lot of people last

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week saw my show and said, WHOA, that's you. Yeah,

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I lost again one hundred and forty one pounds over

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about eight and a half years. I will share my

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tricks next episode. But yes, they asked me to be

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interviewed because of the successes we had, and so that

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video shows when you should get with an advisor like myself.

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You don't wait until you're sixty five. You want to

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do it when you're sixty four years old and you

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start planning ahead. Obviously you can get onto Medicare at

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three months prior to your sixty fifth birthday. So at

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that point you want to be with an agent. You

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want to start looking at your options. Medicare can be

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very confusing. You want to be able to navigate that

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Medicare mays with someone who's trustworthy, who's knowledgeable about this space.

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So again, we are live on Facebook and YouTube. So

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our YouTube channel is Medicare Minute with Peter. It's at

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Medicare Minute with Peter. So you can find us there

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our Facebook live we're Joseph Insurance Broker, LLC. We're also

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live on my personal page Peter R Joseph, so look

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for that. You can always respond, put comments, ask questions.

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You can also call us and text us and we'll

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respond on the show. Our number is nine O nine

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two one seven two six three zero. So please, if

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you have any questions or comments our feedback, please please

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please respond and we will respond back accordingly. All right,

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00:19:46.000 --> 00:19:48.880
so while we're waiting for miss see here, we are

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going to continue on with Part C and the the

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pitfalls of Medicare advantage Part C. So we talked about

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how services may services require approval right well, and then

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we talked about how plan changes every year and we

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have to be on our toes and really look on

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every annual roma period and make sure that we're on

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the best plan every year. You're not ever married to

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your plans, so you can change plans, and I highly

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recommend that you're always reviewing your plans with your Medicare advisor. Now,

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the higher costs if you get sick, that's another pitfall.

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It's a pay as you go model, so you know

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00:20:35.960 --> 00:20:40.400
there's copays, there are coinsurance. It can add up quickly

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with a serious illness. Again, though you know in California

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it's not as urgent because again we had talked about

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how those Medicare out of pocket costs are so low

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and so you would not run into that situation even

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if you're going to see doctors constantly. You know if

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you reach let's say that Medicare out of pocket max

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of two ninety nine. Once you reach that, your insurance

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pays out one hundred percent on everything, So those payments

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00:21:13.000 --> 00:21:17.440
are those fees aren't going to accrue as quickly out

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here in California because are out of pocket is so low.

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00:21:21.039 --> 00:21:25.240
There are geographic limitations too. Plans are county based. There

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00:21:25.279 --> 00:21:29.240
are carriers that allow you to cross county lines. So

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again you want to get with an advisor to know

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00:21:32.079 --> 00:21:36.200
you know the rules and regulations on that. You know,

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but if you move out of the county, you're going

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to have to find a new plan, so your plan

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doesn't travel with you. With a Medicare supplement, that plan

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does travel with you. So that's a big difference. Okay,

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switching can be harder later. So let's say you want

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to try a Medicare supplement. I would recommend you do

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that when you do turn sixty five or your first

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00:22:00.400 --> 00:22:06.480
eligible for Medicare. Why, because you're guaranteed in without any

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00:22:06.599 --> 00:22:14.160
underwriting or prior authorizations or you know, pre existing conditions

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00:22:14.200 --> 00:22:17.920
anything like that. You're automatically in. Now if you go

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on a Medicare advantage, and then you decide two years later,

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I'm gonna try a Medicare supplement. It's not as easy

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to get on. You actually have to go through underwriting.

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They're going to pull your medical records. You could be

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denied if you have cancer in the family, if you

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have diabetes, if you have any serious illnesses at the

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time of your application. So really, if you want to

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try a Medicare supplement, the best I'm gonna try it

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is when you're first eligible for Medicare, all right, And

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most agents don't explain that fact. So I'm explaining it now.

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You know, ding ding ding, big alarm right now is

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going on. It should be in your head. If I

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want to try Medicare supplement, you try it first at

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dot all right, you try it when you turn sixty five,

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are eligible for Medicare. All right? Hey, messy, how are

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you wonderful?

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So good, good, good, yay.

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I'm glad you came on. I was like, wait for you,

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and I'm like, oh, man, I don't know if I

357
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sent you the right link.

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I know, and I was like, oh, we got it.

359
00:23:27.039 --> 00:23:30.759
Anyways, Missy, I already introduced you. I talked about a

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little bit. You have twenty five years experience is that

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in insurance overall our medicare as well.

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So I've had my license for twenty six years and

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I was doing long term care and disability quotes. I

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was like, I can't rep. And then in two thousand

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and five is when I got into medicare.

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Okay, awesome, awesome, And where you located.

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Out at Chattanooga, Tennessee.

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Okay, in your license in forty five states and RICO

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and you've got fifty five agents under you. That's that's awesome?

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00:24:05.119 --> 00:24:05.960
Is insane?

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Yeah? I bet, I bet you're a busybe all right,

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00:24:10.400 --> 00:24:14.039
So how did it all start? How did you get

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into medicare? What what made you passionate about it?

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Well?

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I always say it was Jesus because I was interviewing

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for pharmaceutical rep. All my friends had had pharmaceutical rep

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and I.

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Was single at the time.

379
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They had they got a car, they got a gas card,

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they got commissions, and so I had interviewed twenty five

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times and nobody hired me. And this lady came in.

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She said, hey, do you want to do medicare? And

383
00:24:39.079 --> 00:24:40.720
I go, what's medicare?

384
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She's like, you don't know what medicare is?

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I'm like, no, because when we get a job, our

386
00:24:45.480 --> 00:24:49.160
first job, nobody sits down and tells you what fika is?

387
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You just you pay all this money and you don't

388
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even know who's taking money out of your check.

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I mean, it's absolutely insane. So she was like, okay,

390
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she explained everything. What is medicare? You know what is

391
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a we're paying for a right now as long as

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we work ten years forty quarters. And she's like, don't

393
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worry about it. I'll teach you everything you need to know.

394
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They're gonna love you, and they did.

395
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I mean, it's like have it. She said, it's like them,

396
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you know, you being their grandchild.

397
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And then at first I thought, oh, maybe they won't

398
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think that I'm smart enough or you know, they could

399
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trust me. But when I realized it's a niche field,

400
00:25:23.920 --> 00:25:27.240
not a lot of people understand it, and nobody was

401
00:25:27.279 --> 00:25:29.240
doing it in my area, and it was.

402
00:25:29.240 --> 00:25:31.279
Totally a god thing because I didn't even know what.

403
00:25:31.160 --> 00:25:34.839
Medicare was when this lady came to say, hey, you

404
00:25:34.880 --> 00:25:37.759
want to do medicare. So I always give him the

405
00:25:37.799 --> 00:25:40.839
glory because if it wasn't for him, he wouldn't have

406
00:25:40.880 --> 00:25:41.720
put that in my path.

407
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Because I had no idea what medicare was.

408
00:25:44.640 --> 00:25:48.759
That's awesome, that's awesome. Well, so you know you've been

409
00:25:48.759 --> 00:25:51.200
in this space for such a long time. Do you

410
00:25:51.279 --> 00:25:54.519
see any big trends coming up this year in the

411
00:25:54.559 --> 00:25:56.839
medicare space that we should be aware of.

412
00:25:57.839 --> 00:26:02.359
Well, you know, the whole not commission and commission things.

413
00:26:02.119 --> 00:26:03.119
Were all scared about.

414
00:26:03.200 --> 00:26:05.640
And I was here when they did it with ACA

415
00:26:05.720 --> 00:26:08.319
and and that was scary. Now I wasn't as big

416
00:26:08.400 --> 00:26:10.640
into a c as I was Medicare. I would do

417
00:26:10.680 --> 00:26:13.119
it if a client came in and had a spouse

418
00:26:13.160 --> 00:26:16.000
it wasn't old enough, but I wasn't promoting it, so

419
00:26:16.039 --> 00:26:18.000
it really didn't hurt me to say I'm not going

420
00:26:18.079 --> 00:26:21.480
to do this anymore. But when it comes to them

421
00:26:21.519 --> 00:26:25.119
not paying commissions in medicare, that would hurt me. And

422
00:26:25.200 --> 00:26:27.960
so I'm hoping it's not going to become a trend.

423
00:26:28.039 --> 00:26:30.559
We're fighting really hard. HAFFA is a big If you're

424
00:26:30.559 --> 00:26:33.480
not part of HAFFA, please join HAFFA Navy.

425
00:26:34.279 --> 00:26:37.039
They're all fighting for us to keep commission.

426
00:26:37.119 --> 00:26:40.200
I've called Trump mo Largo I don't know how many times,

427
00:26:40.200 --> 00:26:42.200
to be like, look, they're trying not to pay us.

428
00:26:42.599 --> 00:26:46.680
You please help and set them straight. And we've we're

429
00:26:46.720 --> 00:26:51.440
on a quarterly call with Medicare. I was CMS trying

430
00:26:51.440 --> 00:26:54.880
to with halfa go into Washington, you know, to fight

431
00:26:54.920 --> 00:26:57.200
for our career. I keep telling our agents, you know,

432
00:26:57.640 --> 00:26:59.440
get letters of what we do.

433
00:26:59.480 --> 00:27:00.680
We're not just agents.

434
00:27:00.720 --> 00:27:03.519
We help you know, give them prescriptions, we help them

435
00:27:03.519 --> 00:27:06.400
get a food card, we help them get their Medicare

436
00:27:06.440 --> 00:27:09.680
premium paid for, we help them get Medicaid. I mean,

437
00:27:09.759 --> 00:27:12.240
all the things that we do that does it isn't

438
00:27:12.240 --> 00:27:15.920
even in you know, our job description to do and

439
00:27:16.160 --> 00:27:19.799
we're just more than a glorified agent giving them a product.

440
00:27:19.839 --> 00:27:22.680
On top of all the testing we have to take,

441
00:27:23.240 --> 00:27:23.519
you know.

442
00:27:24.039 --> 00:27:25.960
Exactly doesn't have to take it.

443
00:27:26.000 --> 00:27:29.240
You know, they got one certification, you know, that's it.

444
00:27:29.359 --> 00:27:32.039
Ship they're not even licensed. I mean, now, how is

445
00:27:32.079 --> 00:27:34.599
that you put all these rigs on us, but then

446
00:27:34.640 --> 00:27:36.880
ship can come out and take a test and not even.

447
00:27:36.720 --> 00:27:40.359
Be licensed to do. This just blows my mind.

448
00:27:40.759 --> 00:27:44.440
You know, well, I saw the final rule just dropped.

449
00:27:44.519 --> 00:27:48.000
I'm hoping that it goes through because that forty eight

450
00:27:48.000 --> 00:27:52.279
hour rule is going to go away, which is is huge. Yes, yes,

451
00:27:52.759 --> 00:27:56.279
why clients get confused, lushed and right I mean, they're like,

452
00:27:56.319 --> 00:27:58.640
why do we have to wait that long to talk

453
00:27:58.680 --> 00:27:59.240
about stuff?

454
00:27:59.319 --> 00:27:59.440
Right?

455
00:28:00.079 --> 00:28:00.160
Then?

456
00:28:00.200 --> 00:28:04.480
It's sillious rule ever, you know, I'm like the whole

457
00:28:04.559 --> 00:28:09.359
idea of giving them a pine here's the pin number.

458
00:28:09.720 --> 00:28:12.279
The pin number ties it to the agent, which the

459
00:28:12.920 --> 00:28:16.200
app ties it to the agent. You know, so if

460
00:28:16.240 --> 00:28:19.119
a complaint comes in, it ties it to the agent.

461
00:28:19.160 --> 00:28:21.920
And then say, hey, you know, where's the recording? Where's

462
00:28:22.000 --> 00:28:25.799
the documentation? I mean, waiting forty eight hours and having

463
00:28:25.799 --> 00:28:29.279
the documentation. The point is you just see the documentation

464
00:28:29.400 --> 00:28:30.960
saying you've we've gotten permission.

465
00:28:31.039 --> 00:28:34.279
I'm okay with that to me, that to me makes

466
00:28:34.279 --> 00:28:37.000
sense saying okay, here's the scope saying you did give

467
00:28:37.039 --> 00:28:40.400
me permission to talk to you for sure? For sure?

468
00:28:40.759 --> 00:28:43.240
All right? So I'm gonna I'm gonna stop there real quick.

469
00:28:43.359 --> 00:28:48.400
What is your what's your phone number and your web

470
00:28:48.440 --> 00:28:50.759
address so we can put that on so people can

471
00:28:50.880 --> 00:28:51.559
reach out to you.

472
00:28:51.799 --> 00:28:53.640
Sure, medicare mysty dot com?

473
00:28:54.079 --> 00:28:54.519
Okay?

474
00:28:55.240 --> 00:29:00.319
And uh four two three two four zero zero seven?

475
00:29:02.640 --> 00:29:03.200
Perfect?

476
00:29:04.319 --> 00:29:04.720
All right.

477
00:29:05.599 --> 00:29:10.839
So our audience consists both of agents and clients, tell

478
00:29:11.000 --> 00:29:15.319
and prospect. So what would you say to our clients?

479
00:29:15.359 --> 00:29:20.440
Our prospects is the biggest mistake beneficiaries make when they're

480
00:29:20.480 --> 00:29:22.079
starting their Medicare process.

481
00:29:22.599 --> 00:29:25.000
I think they some wait till the last minute, and

482
00:29:25.079 --> 00:29:27.200
I think that can hurt them by waiting till the

483
00:29:27.279 --> 00:29:28.960
last minute.

484
00:29:29.200 --> 00:29:30.279
Do your research.

485
00:29:30.319 --> 00:29:33.240
There's so much research out there, so that you know,

486
00:29:33.279 --> 00:29:35.319
a lot of people when they come in, they want

487
00:29:35.359 --> 00:29:37.799
to know a little bit before they start, you.

488
00:29:37.759 --> 00:29:41.359
Know, digging into it. So it kind of gives them

489
00:29:41.720 --> 00:29:43.359
a little bit of leverage to.

490
00:29:47.240 --> 00:29:49.880
All right, So while we're waiting for her to come

491
00:29:49.920 --> 00:29:54.960
back on, I was going to ask her the differences

492
00:29:55.000 --> 00:29:58.200
between advantage and supplements, since we were talking about that earlier.

493
00:29:58.839 --> 00:30:03.079
I think she would have great information on that as well. Again,

494
00:30:04.359 --> 00:30:07.599
she covers, you know, forty five states. The reason we

495
00:30:07.680 --> 00:30:12.799
bring her on is because we work together. I trust

496
00:30:12.839 --> 00:30:17.119
her inherently. You know. Obviously you know our broadcast is

497
00:30:17.160 --> 00:30:20.839
to the West coast, California, Arizona, and Nevada, all these

498
00:30:20.880 --> 00:30:25.079
states out here. I would recommend if you're moving to

499
00:30:25.119 --> 00:30:27.680
the East Coast or you're listening in and you live

500
00:30:27.720 --> 00:30:29.680
out in the East Coast, go ahead and reach out

501
00:30:29.720 --> 00:30:33.440
to Misty rather than us. She would more than happy

502
00:30:33.480 --> 00:30:38.079
to help you guys out There's so much business out there,

503
00:30:38.759 --> 00:30:40.400
and we want to help as many folks as we

504
00:30:40.480 --> 00:30:46.720
can with this craziness in the medicare space. So that's why,

505
00:30:47.039 --> 00:30:51.240
you know, we bring colleagues on like this so that

506
00:30:51.279 --> 00:30:54.160
we can help you guys through all this. All right,

507
00:30:54.279 --> 00:30:57.359
So I'm going to continue on Medicare Parts C until

508
00:30:57.400 --> 00:31:01.920
she comes on. Other was would you have a second

509
00:31:01.920 --> 00:31:06.519
commercial too? I'm gonna wait on that though. Hey there you.

510
00:31:06.519 --> 00:31:09.400
Are, Hey low battery.

511
00:31:10.119 --> 00:31:14.920
Oh no, okay, no, no worries, We got got ya.

512
00:31:16.359 --> 00:31:18.039
That means we talked too much, right.

513
00:31:18.200 --> 00:31:26.920
Yeah, exactly exactly. Okay, all right, So I was I

514
00:31:26.960 --> 00:31:30.079
was going to ask you, you know, what would you

515
00:31:30.119 --> 00:31:33.319
tell folks is a big difference between Medicare advantage and

516
00:31:33.319 --> 00:31:34.319
Medicare supplements.

517
00:31:35.720 --> 00:31:36.759
That is a great question.

518
00:31:36.880 --> 00:31:40.680
So the advantage plans have more benefits, is what I

519
00:31:40.720 --> 00:31:43.920
always say. They have more benefits versus a supplement that.

520
00:31:44.039 --> 00:31:48.079
Has more coverage.

521
00:31:48.440 --> 00:31:52.960
So you get dental vision hearing with advantage plans and

522
00:31:53.839 --> 00:31:56.680
uh over the counter a food card.

523
00:31:57.400 --> 00:32:00.000
I got kicked out of my room, so, oh my goodness.

524
00:32:00.119 --> 00:32:06.400
Side advantage plans, so they have more benefits like that,

525
00:32:06.640 --> 00:32:10.319
supplements have more coverage, they go up. You know, most

526
00:32:10.359 --> 00:32:17.079
of the time, either by age or by year. In UH,

527
00:32:17.720 --> 00:32:20.319
the you have to buy the drug plan. The drug

528
00:32:20.319 --> 00:32:23.240
plans not included where it's included on the advantage plan.

529
00:32:24.920 --> 00:32:30.400
There's a network tied to advantage plans. So the biggest

530
00:32:30.400 --> 00:32:33.240
thing is the networks that I hear you have more freedom,

531
00:32:34.240 --> 00:32:37.039
you know with the supplements unless you do a PPO area.

532
00:32:37.079 --> 00:32:39.680
But they still have to accept to build a PPO.

533
00:32:40.440 --> 00:32:44.720
Okay, no, that's that's great information. And then how would

534
00:32:45.000 --> 00:32:49.920
someone trust or how would you know an agent is compliant?

535
00:32:49.960 --> 00:32:52.799
What are things to look for for a client to

536
00:32:53.079 --> 00:32:54.240
find the right.

537
00:32:54.119 --> 00:32:57.839
Agent, see how long they've been in the field.

538
00:32:58.039 --> 00:33:00.079
It's like when you go to have knee surgery or

539
00:33:00.240 --> 00:33:03.160
you know, elbow surgery or eye surgery. You don't some

540
00:33:03.319 --> 00:33:07.279
want someone that's brand new, that doesn't have the experience

541
00:33:07.880 --> 00:33:11.400
to give you the benefits that you deserve. Also to

542
00:33:11.480 --> 00:33:14.559
know the lingual you know the lingo. Uh, it's just

543
00:33:14.599 --> 00:33:17.640
you want an experience rep that's been in the field

544
00:33:18.200 --> 00:33:21.599
and won't stir you wrong for sure, for.

545
00:33:21.599 --> 00:33:26.720
Sure, And your business clearly reflects relationship building and education.

546
00:33:27.359 --> 00:33:29.359
How important is that in this industry?

547
00:33:30.000 --> 00:33:30.960
It's very important.

548
00:33:30.960 --> 00:33:32.960
And you know, we take about thirty two tests a

549
00:33:33.079 --> 00:33:36.559
year to you know, to make sure that we know

550
00:33:36.640 --> 00:33:38.880
this information. We have to make a ninety on most

551
00:33:38.920 --> 00:33:41.359
of them to make sure that we know this information.

552
00:33:41.880 --> 00:33:45.400
And so we're constantly staying in front of it and

553
00:33:45.559 --> 00:33:50.240
constantly reading CMS websites, you know, reading any kind of

554
00:33:50.559 --> 00:33:53.039
uh that has to do with our field, especially now

555
00:33:53.079 --> 00:33:54.799
with the changes coming up.

556
00:33:55.960 --> 00:33:59.079
Yeah, for sure. And then you know, we talked about

557
00:33:59.119 --> 00:34:02.680
how you've got fifty five agents under you, So how

558
00:34:02.720 --> 00:34:06.559
do you balance scaling your reach while keeping your personal touch.

559
00:34:07.759 --> 00:34:11.079
So you have to build a team underneath you because

560
00:34:11.119 --> 00:34:14.039
you'll get burned out. I did that for until the

561
00:34:14.119 --> 00:34:17.920
last four years. I burned the candle at both ends

562
00:34:18.039 --> 00:34:21.800
and it wasn't helping me. It wasn't helping my team

563
00:34:22.360 --> 00:34:28.159
get a pay because I think that's every agencies is like, oh,

564
00:34:28.199 --> 00:34:30.719
that's a lot of money to shell out. But then

565
00:34:30.800 --> 00:34:33.280
once you shell out that money, that's going to release

566
00:34:33.360 --> 00:34:36.920
you doing other things. It's going to allow you to

567
00:34:36.920 --> 00:34:39.679
make more money in the field of you not doing

568
00:34:39.679 --> 00:34:42.280
the things that you shouldn't be doing. Anyway, my biggest

569
00:34:42.320 --> 00:34:45.880
thing was learning to work on the business, not in

570
00:34:45.920 --> 00:34:47.760
the business for sure.

571
00:34:47.960 --> 00:34:50.840
For sure. That's awesome, all right, so I'm going to

572
00:34:50.880 --> 00:34:55.239
do a quick rapid fire. These are kind of fun questions. Okay,

573
00:34:55.760 --> 00:34:58.559
a lot of them are one word answers, but go

574
00:34:58.559 --> 00:35:01.559
ahead and answer to the best your bill. So one

575
00:35:01.639 --> 00:35:04.239
word to describe today's medicare market?

576
00:35:04.559 --> 00:35:06.159
One word crazy.

577
00:35:06.639 --> 00:35:11.320
Yeah, that's a kind of all right. What's the biggest

578
00:35:11.440 --> 00:35:13.880
myth about medicare that.

579
00:35:14.159 --> 00:35:16.159
It pays for long term care nursing home?

580
00:35:17.320 --> 00:35:19.960
Amen. Yeah, a lot of my clients always think that, right,

581
00:35:20.000 --> 00:35:22.280
and then you find out the hard way. All right?

582
00:35:23.440 --> 00:35:26.760
What is the most underrated opportunity for agents right now?

583
00:35:28.280 --> 00:35:31.280
I think everywhere there's opportunity. We don't realize it. I

584
00:35:31.320 --> 00:35:35.039
believe that everywhere we go God puts us in a

585
00:35:35.119 --> 00:35:39.400
place where there's a time. Everybody around me, I feel

586
00:35:39.400 --> 00:35:41.599
like there's an opportunity. If we don't say hi, how

587
00:35:41.639 --> 00:35:45.559
you doing? I think we missed that opportunity. And you know,

588
00:35:45.639 --> 00:35:48.960
people would say, oh that it's saturated, the market saturated.

589
00:35:49.320 --> 00:35:53.400
It's not saturated. There's several people that have not, you know,

590
00:35:53.519 --> 00:35:55.599
been to a certain dentists, have not been to an

591
00:35:55.639 --> 00:35:58.840
eye doctor. I mean, you know in the where I

592
00:35:58.880 --> 00:36:00.840
live in Chattanooga, they're like, you know, you're hiring so

593
00:36:00.920 --> 00:36:03.599
many agents, and it's like we haven't even hit all

594
00:36:03.639 --> 00:36:06.800
the financial advisors yet, all the P and C people yet,

595
00:36:07.199 --> 00:36:09.559
So there's opportunity everywhere.

596
00:36:09.679 --> 00:36:12.800
Just open your mouth and say, hi, how you doing?

597
00:36:13.039 --> 00:36:13.880
Love your shirt?

598
00:36:14.519 --> 00:36:16.800
Where'd you get it?

599
00:36:17.639 --> 00:36:21.880
All? Right? Social media are referrals, which wins most long

600
00:36:22.000 --> 00:36:24.360
term referrals.

601
00:36:24.400 --> 00:36:29.199
Always that means you have trust and people trust you

602
00:36:29.280 --> 00:36:33.800
know they're trusting that person to trust you. So always

603
00:36:33.920 --> 00:36:38.199
referrals beat over that. I think both together is you

604
00:36:38.239 --> 00:36:39.199
know a powerhouse.

605
00:36:39.920 --> 00:36:43.280
Awesome? All right? If you had to restart your career today,

606
00:36:43.599 --> 00:36:44.559
what's your first move?

607
00:36:45.719 --> 00:36:48.840
I would probably do more loas.

608
00:36:48.440 --> 00:36:52.840
Okay, awesome, awesome all right? And then one daily habit

609
00:36:52.880 --> 00:36:53.760
that's made you.

610
00:36:53.599 --> 00:36:59.960
Successful, consistency every day. I'm working this business every minute,

611
00:37:00.079 --> 00:37:01.440
and my husband's like, are we gonna have to do

612
00:37:01.480 --> 00:37:03.599
that today? Can you put it on the burner? And

613
00:37:03.639 --> 00:37:05.480
I'm like, okay, five minutes, we're going to table it.

614
00:37:06.119 --> 00:37:08.079
Yeah, yeah, yeah, for sure, for sure.

615
00:37:09.239 --> 00:37:10.519
And then what do you like to do on your

616
00:37:10.519 --> 00:37:12.199
off time? What do you enjoy doing?

617
00:37:12.400 --> 00:37:14.960
I love traveling, I really do. I love Jesus and

618
00:37:15.000 --> 00:37:15.840
I love traveling.

619
00:37:16.000 --> 00:37:18.679
So I'm we're usually we're going to Buddhafest in July,

620
00:37:19.679 --> 00:37:23.840
last in August. Yeah, and then I'm speaking in a

621
00:37:23.880 --> 00:37:26.199
different state like we're going to I'll be in Houston

622
00:37:26.639 --> 00:37:30.760
this month, and so several different states the rest of

623
00:37:30.760 --> 00:37:31.119
the year.

624
00:37:31.880 --> 00:37:36.000
Okay, okay, very cool, Well, safe travels to you. That's exciting,

625
00:37:36.559 --> 00:37:40.320
very all right. So here's our last question for you today. Okay,

626
00:37:41.079 --> 00:37:44.400
if you want to make smarter decisions in today's medicare landscape,

627
00:37:44.480 --> 00:37:46.280
what's the one thing they should focus on?

628
00:37:47.880 --> 00:37:52.440
Marketing and network really constantly. If you're not selling, you

629
00:37:52.440 --> 00:37:54.719
should be marketing, and you should be networking.

630
00:37:55.079 --> 00:37:57.599
Your net worth your network is your net worth?

631
00:37:58.360 --> 00:38:01.920
Awesome? And then where can people find you on socials?

632
00:38:02.639 --> 00:38:04.360
Thank you're Missy on everything?

633
00:38:04.840 --> 00:38:11.559
Okay, there you go, and there's Medicare Missy's websites medicaremissy

634
00:38:11.559 --> 00:38:14.679
dot com. Her phone number to direct is four two

635
00:38:14.800 --> 00:38:19.480
three two four zero euros seven nine to four. We

636
00:38:19.519 --> 00:38:23.239
will have your information, Missy on Facebook Live, YouTube, as

637
00:38:23.239 --> 00:38:26.639
well as our website and podcasts. You can catch this

638
00:38:26.760 --> 00:38:30.280
podcast on Apple Podcast in a few days as well. Missy,

639
00:38:30.360 --> 00:38:32.280
thank you so much for taking the time to be

640
00:38:32.360 --> 00:38:34.719
on our show today. We appreciate you so much, and

641
00:38:34.800 --> 00:38:36.519
all that you're doing for our clients.

642
00:38:36.840 --> 00:38:40.039
Appreciate you, Peter. Appreciate the collaboration. And sorry about the

643
00:38:40.039 --> 00:38:40.960
technical difficulty.

644
00:38:41.079 --> 00:38:45.400
Hey, it happens. Don't worry, all right, take care okay YouTube,

645
00:38:45.519 --> 00:38:50.360
all right, bye bye, hie. All right, that was a

646
00:38:50.360 --> 00:38:53.440
great interview. Sorry about the technical difficulties. But that's our

647
00:38:53.480 --> 00:38:57.360
interview with Missy. We are going to end our segment

648
00:38:57.400 --> 00:39:01.840
here with our second commercial and then I'll come on quickly. Hi, Peter,

649
00:39:02.639 --> 00:39:03.360
Hey Christine.

650
00:39:03.360 --> 00:39:03.800
How are you?

651
00:39:04.360 --> 00:39:09.360
I'm good? How are you? I'm good, I'm it's going well.

652
00:39:09.559 --> 00:39:12.800
It's my birthday today, so I'm kind of celebrating a

653
00:39:12.800 --> 00:39:17.599
couple of things. But I've had some great conversations with

654
00:39:17.639 --> 00:39:19.840
some clients this morning, so it's been a good day.

655
00:39:20.519 --> 00:39:22.760
Sounds good. Happy birthday. And I see that your kids

656
00:39:22.800 --> 00:39:24.119
made you breakfast this morning.

657
00:39:24.719 --> 00:39:27.559
They did, they did. That was an exciting surprise this morning.

658
00:39:28.159 --> 00:39:31.719
That's that's so cool. Well, thank you for joining me

659
00:39:31.760 --> 00:39:35.239
today in this interview because I've had so many people

660
00:39:35.320 --> 00:39:38.639
reaching out to me about medicare and what to expect

661
00:39:38.679 --> 00:39:41.920
and their loss and I perfect because I know you

662
00:39:42.000 --> 00:39:45.280
and I know that you'd be the perfect perfect person

663
00:39:45.320 --> 00:39:47.679
to talk to, so so I just want to thank

664
00:39:47.679 --> 00:39:51.199
you for joining me today. Of course, let me share

665
00:39:51.239 --> 00:39:55.159
a little bit about Peter to the group. Peter is

666
00:39:55.199 --> 00:39:58.639
an Egyptian American and has has been married for seventeen

667
00:39:58.679 --> 00:40:03.719
years to his beautiful wife. She is a supervisory social

668
00:40:03.719 --> 00:40:07.440
worker for the State of California. They have two amazing kids,

669
00:40:07.559 --> 00:40:11.760
Noah Liam aged five and Julia Grace, aged ten. He

670
00:40:11.920 --> 00:40:14.920
was in the nonprofit sector and a pastor for twenty

671
00:40:15.000 --> 00:40:18.760
two years. He then transitioned into the insurance industry for

672
00:40:18.800 --> 00:40:23.079
three years. Peter's family was featured in a local magazine

673
00:40:23.079 --> 00:40:27.719
in February of twenty twenty neighbors of West Chino Hills

674
00:40:28.079 --> 00:40:31.119
for the business they work and the impact in their community.

675
00:40:31.719 --> 00:40:35.320
He was also featured on biz TV Los Angeles for

676
00:40:35.360 --> 00:40:38.960
an interview about Medicare. He is also an ambassador for

677
00:40:39.119 --> 00:40:42.880
Chino Valley Chamber of Commerce since February of twenty nineteen

678
00:40:42.960 --> 00:40:45.280
and a member of the B and I Chino Valley

679
00:40:45.320 --> 00:40:49.199
Strategic Alliance Group. Peter is looking out for the best

680
00:40:49.199 --> 00:40:53.599
interests of seniors. He has no bias toward any carriers.

681
00:40:53.760 --> 00:40:58.239
Peter works with all the top star rated plans. He's

682
00:40:58.320 --> 00:41:05.679
contracted with Scan Healthcare Anthem, Humana, Health Net, Blue Shield, Etna,

683
00:41:06.239 --> 00:41:11.840
Silver Scripts, and Molina. Peter can help with Medicare medical plans,

684
00:41:12.239 --> 00:41:16.719
Medicare supplement plans, Part D plans, as well as low

685
00:41:16.800 --> 00:41:19.880
income help for Part D. So I do have some

686
00:41:20.000 --> 00:41:24.519
questions for you, Peter, let's jump right into it. Why

687
00:41:24.519 --> 00:41:26.599
did you decide to go into Medicare?

688
00:41:27.880 --> 00:41:29.800
So, for those who don't know me, I was in

689
00:41:29.800 --> 00:41:34.000
the nonprofit sector for about twenty two years and just

690
00:41:34.119 --> 00:41:37.159
have a servant's heart. I love helping people out and

691
00:41:37.239 --> 00:41:42.079
so I felt like after I left the nonprofit sector,

692
00:41:42.119 --> 00:41:44.639
I felt like this was a great place to go

693
00:41:44.800 --> 00:41:48.079
for my skill set in helping people kind of navigate

694
00:41:48.119 --> 00:41:52.039
the Medicare journey. And like I said, I love helping people.

695
00:41:52.719 --> 00:41:56.639
I'm all about educating and giving free consultations.

696
00:41:57.559 --> 00:41:58.119
Awesome.

697
00:41:58.599 --> 00:42:00.760
Now, how old do I have to be to start

698
00:42:00.760 --> 00:42:02.320
thinking about Medicare and why?

699
00:42:03.880 --> 00:42:06.480
Well, honestly, you know, people say you should wait until

700
00:42:06.480 --> 00:42:09.480
you turn sixty five, but I do have some prospects

701
00:42:09.480 --> 00:42:11.760
that I work with who are sixty three. So I

702
00:42:11.760 --> 00:42:14.599
would say, if you're turning sixty three, you need to

703
00:42:14.599 --> 00:42:16.880
start thinking about it because there's so much out there.

704
00:42:16.920 --> 00:42:20.199
There's so much terminology and it gets kind of confusing.

705
00:42:20.320 --> 00:42:23.639
So it's important to start planning ahead and so I

706
00:42:23.679 --> 00:42:26.920
can work with you and then when we turn sixty five,

707
00:42:27.039 --> 00:42:27.840
we can get.

708
00:42:27.679 --> 00:42:28.679
You on the right plan.

709
00:42:30.559 --> 00:42:33.719
Good to know now, all.

710
00:42:33.760 --> 00:42:38.800
Right, So we're going to finish that interview next episode.

711
00:42:39.079 --> 00:42:43.039
We are kind of slowly running out of time with

712
00:42:43.159 --> 00:42:47.320
our technical difficulties today with Missy, but we're so glad

713
00:42:47.320 --> 00:42:52.280
that you joined us today for our show. Again. You know,

714
00:42:52.480 --> 00:42:54.480
I'm going to just do a quick summary. We were

715
00:42:54.480 --> 00:42:58.320
talking about Medicare advantage parts C. Missy even alluded to,

716
00:42:58.559 --> 00:43:02.840
you know what the advantages are to Medicare advantage versus

717
00:43:02.840 --> 00:43:06.800
a Medicare supplement and vice versa. Again, you want to

718
00:43:06.840 --> 00:43:09.440
be with someone who's been in this industry for quite

719
00:43:09.440 --> 00:43:12.559
a while, a trusted advisor that can walk you through

720
00:43:12.639 --> 00:43:14.880
all that and make sure that you are making the

721
00:43:14.920 --> 00:43:20.679
right moves in the Medicare space. Medicare advantage is tied

722
00:43:20.719 --> 00:43:27.440
to a network. There are disadvantages, like we said about denials,

723
00:43:27.679 --> 00:43:31.920
not at getting approvals, delay of care, those kind of things.

724
00:43:32.920 --> 00:43:36.800
The advantage those that includes everything like dental vision, hearing,

725
00:43:36.960 --> 00:43:42.159
over the counter, gym membership, prescription drug plan. So you're

726
00:43:42.159 --> 00:43:45.480
not doing everything all our chart. You're not spending extra

727
00:43:45.519 --> 00:43:51.000
premium dollars because the Medicare advantage is normally zero dollar premium.

728
00:43:51.119 --> 00:43:55.119
So those are the things that you want to key

729
00:43:55.159 --> 00:44:02.559
in on and focus on. We do bring on quite

730
00:44:02.599 --> 00:44:06.840
a few folks that are in this industry that are knowledgeable.

731
00:44:07.280 --> 00:44:09.920
We also have brought on and we will continue to

732
00:44:09.960 --> 00:44:12.559
bring on small businesses that we work with and trust

733
00:44:12.599 --> 00:44:17.920
inherently because here at Joseph Insurance Broker, we want to

734
00:44:19.639 --> 00:44:23.280
put those small businesses with a spotlight on them to

735
00:44:23.320 --> 00:44:26.639
show you, guys that there are so many resources out

736
00:44:26.679 --> 00:44:29.639
there for you in this community that you can use

737
00:44:29.719 --> 00:44:32.920
and apply it to your own lives. We hope these

738
00:44:32.920 --> 00:44:35.559
interviews have been helpful to you. We hope that you're

739
00:44:35.599 --> 00:44:41.079
able to apply these nuggets of information to your processes.

740
00:44:41.920 --> 00:44:46.000
And we work hand in hand with all these fears.

741
00:44:46.119 --> 00:44:53.440
Right Insurance works with everything you know, our life insurance,

742
00:44:53.920 --> 00:44:58.320
we work with health insurance, small business group benefits. All

743
00:44:58.320 --> 00:45:03.159
those things are important and they all intertwine, and so

744
00:45:03.199 --> 00:45:05.880
that's why this show is more than just about Medicare.

745
00:45:06.960 --> 00:45:10.519
Thank you again for joining us this morning, and just

746
00:45:10.559 --> 00:45:15.119
to let you know, our tagline is we Medicare.

747
00:45:17.239 --> 00:45:21.079
Thanks for listening. Tune into Medicare Hour and More with

748
00:45:21.239 --> 00:45:25.239
Peter every Tuesday at nine am Pacific time right here

749
00:45:25.280 --> 00:45:30.400
on KFOHD Radio at kfohd dot com for more real

750
00:45:30.440 --> 00:45:35.239
life stories from experts to medicare about you and protecting

751
00:45:35.320 --> 00:45:39.800
your health, your finances, and your future. See you next week.