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

0:00 This program is designed to provide general information with regards to the subject matters covered. This information is given with the understanding that neither the hosts, guests, sponsors, or station are engaged in rendering any specific and personal medical, financial, legal, counseling, professional service, or any advice. You should seek the services. Of competent professionals before applying or trying any suggested ideas. Attention to individuals, families and caregivers. It's Medicare Hour and More with Peter right here on k for HD Radio. This is the podcast for all types of insurance solutions while specializing in Medicare because we Medicare.

0:47 Here's your host, Peter R. Joseph. Good morning, good morning, good morning. I'm so glad to see all of you, guys. It is episode five of our radio show. I can't believe he already in April. It's crazy. This time is just flying by. I hope you had all a wonderful, wonderful easter and spring break for those of you have kids and families. And yeah, our family actually went out to Disneyland for a couple of days. It was very crowded. I'm not sure it used to be so fun and now, it's just it's overcrowded. It was definitely hot, and a lot of the rides broke down, so it wasn't the greatest experience. But my kids had a good time, so that's all that matters.

1:36 But anyways, we've got a great show today. We've got a special guest. Her name is Missy Bolt. She's a CEO of Medicare Misty, so we'll see her in a few minutes here, but we will continue on our conversation breaking down Medicare for you guys, making it simple. We've covered Medicare Parts A, B, C and D. We've covered the different enrollment periods for Medicare, when you're supposed to sign up, how you're supposed to sign up. So hopefully you caught all those tidbits of knowledge and information and it's been helpful and you've been able to apply it to yourselves. We are going to dive more into Medicare Parts C. We did start talking about it a little bit this last week. We're going to continue talking about that today if we have time, and then we'll have our great interview and conversation with Misty talking about the Medicare trends and things happening in this space that might be concerning I might be needing some of our attention.

2:43 There's definitely going to be some more disruption for this next year with Medicare again unfortunately, and so you know, this is kind of the time where plans are starting to shut down, PPOs aren't as prevalent, and if it's our getting cut unfortunately left and right, that doesn't mean there's ways around that. We're going to talk about how to navigate all of that. So all right, so let's dive into Medicare Part C and then we'll wait until Misty comes on board and then we'll jump into our interview with her. So we had talked about how Part C is the Medicare Advantage plan space, and so that is where it includes your Part AB and then d IS and DOG for your prescriptions. It's all in one versus.

3:37 Remember Medicare Supplement we talked about was like an all a kart system, so you have to figure out also budget wise, Medicare advantage usually doesn't cost anything extra. However, Medicare Supplement does have an extra premium, so budget wise, you have to figure out what is best for you and what you can afford so that's why a lot of folks do go the route of Medicare parts see, because there is no extra premium that you have to pay, and it also includes your extra benefits usually of dental, vision, hearing, over the counter allowance, transportation, all those necessities that you might want that's not going to be included in a Medicare supplement And so that's kind of the key that we want to focus in on. The bad thing about Medicare advantage is that you are stuck in a HMO network.

4:33 There are PPO plans, not as many as there used to be, but you are, you know, in a network. There is coordinated care. That's the strong suit. But with a Medicare supplement plan, you're able to see whatever doctor you want without any authorization. With the HMO plan, you have to usually go through your primary care doctor to see a specialist. So that's the big difference, and so people like to have that freedom, but you pay for what you get, right, So we're going to continue talking about the different extra benefits that there are though, So, like I said, there's vision, hearing, gym membership. Gym membership is included also on the supplement side, over the counter allowance.

5:20 It just ranges from planning to plan. Sometimes it's about twenty five dollars a quarter. Sometimes it goes up to one hundred dollars a quarter. It just depends on the plan. But you can use that for the pharmacy section, anything that's in there, like band aids, vitamin supplements. Most carriers will send you a catalog of what you can get. Transportation, usually it's coordinated through uber or Lyft. Some carriers do have their own services as well. And the meal programs after hospital stays are surgical procedures, So those are the extra benefits. And then again we said it does include prescription party and then the coordinated care. It's especially strong with HMOs. Doctors communicate within the network, so you've got that advantage as well on the Medicare advantage side. So the difference again with HMO is you can stay in network PPO you can go in or out of network.

6:20 But like I said earlier, PPOs are not as prevalent. There's not a lot of choices out there, especially in southern California. It's just it hasn't been beneficial for the insurance carriers and that's why a lot of them have shut them down, so just keep that in mind. And then we briefly talked about special needs plans. Those are for chronic conditions like diabetes, heart conditions, lung conditions like COPD. So those plans are adapted to those chronic illnesses and it's just more coordination, better coordination for those illnesses. So that's why you want to be on those plans, especially with the prescription drugs that you would be taking if you're on one of those illnesses. All right, So the key benefits of medicare advantage. You've got lower monthly premiums.

7:21 Like I said, a lot of them are zero dollars, especially out here in California. The maximum out of pocket that you would spend, Remember that's different from a deductible, So maximum out of pocket here in California, I mean it's low. It's about two hundred to eight hundred dollars max on most plans out here. And that's the most you would ever spend. God forbid if something happens to you, you know, cancer, chemotherapy, those kind of things. So that's the most you would pay out of pocket. You do have to alsways pay your part B premium. That's that's never going to go away. A lot of my clients think, oh, I'm a Medica it's free. It's not free. Medicare Part B.

8:03 You're paying a premium right now. It's about two oh two for most folks per month, two hundred and two dollars. And we do pay into Medicare, but we pay into it so that we keep the premiums low. It's not so that we can have Medicare for free. So just keep that in mind. The Medicare is not free. Again, the maximumount of pocket protection once you reach it, the plan that you're on for Medicare Advantage pays one hundred percent and then you know you've got those extra benefits as well. Now, let's evaluate real quick the prior authorization process, because there are potential interventions to reduce unnecessary initial denials.

8:55 That's what a lot of people are scared of when they go on Medica Advantage. They feel like they're not going to get proved for procedures, they're not gonna be able to see certain doctors because they're not in network, and they're afraid that their claims will be denied. So I will tell you from my experience, a lot of my clients are happy with the carriers that they're on. Because of my experience, I know which ones work well with each other, which ones have a quick turnaround for authorizations. So you have to get with an agent like myself that's specially knowledgeable about the carriers and their procedures. Okay. So there's instances where the provider orders imaging and then there's a prior authorization required okay, and then it's either approved or denied. If it's approved, the imaging is performed and then you go see your doctor or you go over your results. If it's denied, it's called what's a peer to peer required There is an appeal process, but a lot of times if you're seeenior primary care doctor, pretty often these cases aren't going to be denied. You just want to assess documation patterns for opportunities to reduce risk for denial.

10:16 Okay. Your doctors are pretty knowledgeable about how to navigate that system as well. You know, you want to streamline the workflow, ensure that doctors are putting in the right reasons for you getting that imaging or those tests, and if they're connected to, you know, something that you've been diagnosed with that's a greater chance of that being approved. So just keep that process in mind. Now, the generosity of Medicare advantage compared to traditional Medicare, there's a difference between the monthly out of pocket costs and traditional Medicare versus Medicare advantage.

10:59 So if you're just on original Medicare, let's say you sign up, you turn sixty five, you're just on Medicare, and you pick up a part dy for your prescription drug coverage. There is no ceiling to the max out of pocket costs when you're on original Medicare. That's why folks get onto a private plan through Medicare advantage or through Medicare supplement is to mitigate those costs and make sure that there is a ceiling. So again, keep that in mind that there is no ceiling. If you're just on original Medicare, they pay eighty percent and then you're responsible for twenty percent of the total costs. So you know, if you've got a bill for one hundred thousand dollars, you're going to owe twenty thousand dollars on that bill, all right, So just keep that in mind. Again. Here's the here's the other pitfalls versus original Medicare and Medicare supplements.

11:57 If you're on a Medicare advantage, again, you're not outside of network unless it's an emergency through urgent care or through an emergency room facility. Otherwise you cannot go outside of network for your specialists, for any doctors, ongoing treatment and cancer care continuity, all those have to be in network, all right, So there are network restrictions. That's a big issue when clients move or travel, especially if you have family in other states and you want to stay there, let's say for six months out of the year. You know, my suggestion would be to go on a Medicare supplement versus Medicare advantage. That way you're able to see other doctors in other states. So that's a reason to go the route of a Medicare supplement over a Medicare advantage. Again, there's prior authorizations, so you know, many services require approval, MRIs require approval, surgeries require approval, certain medications require prior authorization.

13:02 And then sometimes you know, folks will run into delays and care, which is a major frustration point. You know, the way times across the board right now, our health sector is very impacted and understaffed, and so we're hearing stories of people not able to see their primary care doctors for three or four months at a time. They'll call in and they can't get an appointment until three months ahead of time. So that is a concern, and so another way around that is to try to get on a supplement plan, see another doctor as an alternative, and get in to see that doctor quicker. So again, though there is an extra cost to a Medicare supplement.

13:47 The other thing that happens is plan changes every year, so benefits, networks, formularies change annually. Doctors and hospitals can be dropped, plans exit and enter the market, and so there's frustrations on that part. That's why we review with our clients our Medicare advantage planes every year to make sure, you know, the benefits are staying the same, if they're increasing or decreasing, their doctors are still staying in network, you know, and if they don't or there's issues with certain prescriptions, then we have to navigate and figure out a different carrier that a client has to be with. And that annual rollment period again is every year October through December, So yeah, there is a headache about doing stuff like that. I'm going to stop there. See if Misty is with us or not. I don't know if she's hopped on. Hopefully she has. All right, Well, I'm going to at least do an intro for her. Nope, she's not on yet, Okay, So I'm going to just share real quick about Misty. Maybe by the time I finish this she will come on. If not, that's okay.

15:01 So Misty Bolt is the founder of Medicare Misty. She has over twenty five years experience in the insurance industry. Her focus is navigating the Medicare mais, including original Medicare and Medicare Advantage, medigap, and party prescription drug plans. Her services are enrollment assistants, plan comparisons, educational events like insurance book camps. She is located on the East Coast. She is in Tennessee, so she primarily works out on the East Coast. But she does you know, she has licensed in forty five states. In Puerto Rico, she does have fifty five agents under her belt. How did I meet Missy while? We met actually through social media. So social media is a powerful tool obviously where we can meet our colleagues and peers in this industry. And so that's how Missy and I have met. I've known Misty for quite a while. She authored the book Navigating the Medicare mais with Medicare Misty. Probably find that book on Amazon again.

16:03 That book is called Navigating the Medicare Made with Medicare Misty, and that was to help provide guidance on healthcare options. She also authored a children's book that comes out this may, so be on the lookout for that. She has her own business, She's hosted a talk show, runs her own magazine, wrote her own jingle, wrote her home wine. Wow, that's pretty cool. So Missy's got a lot of experience in a lot of different fields. We're excited to have her on later on in the show. So we'll just continue to hold on and wait for her to come on. And so in the meantime, what I'm going to do is break for our first commercial. This commercial role kind of explain why you would trust Joseph insurance broker with your needs.

16:57 Is the fact that Medicare doesn't kick handle sixty five. I probably don't want to wait until I'm sixty five to learn about it. Let me know when people should contact you, just start talking, to start preparing, to make sure they're doing everything properly. Well, Brian, I've got some prospects that are sixty three years old and they're working with me now, and so it's important to navigate. There's so much out there, is so much information, and you don't want to wait till last minute. With Medicare, you do have to contact Social Security Office ninety days prior to your birthdate when you turn sixty five. And I recommend my clients to get on the page when they're sixty three, honestly, so that they can understand what's out there. They can start comparing plans and get ready for whatever is coming next, whether it's the retirement age or there are some of my clients who are still working and are eligible for Medicare and they don't realize that they can save money by switching over to medicare still working. So that's an important concept for people to realize.

18:05 All right. So again, that was another interview with biz TV. When I first started out. A lot of people last week saw my show and said, WHOA, that's you. Yeah, I lost again one hundred and forty one pounds over about eight and a half years. I will share my tricks next episode. But yes, they asked me to be interviewed because of the successes we had, and so that video shows when you should get with an advisor like myself. You don't wait until you're sixty five. You want to do it when you're sixty four years old and you start planning ahead. Obviously you can get onto Medicare at three months prior to your sixty fifth birthday. So at that point you want to be with an agent. You want to start looking at your options. Medicare can be very confusing. You want to be able to navigate that Medicare mays with someone who's trustworthy, who's knowledgeable about this space.

18:58 So again, we are live on Facebook and YouTube. So our YouTube channel is Medicare Minute with Peter. It's at Medicare Minute with Peter. So you can find us there our Facebook live we're Joseph Insurance Broker, LLC. We're also live on my personal page Peter R Joseph, so look for that. You can always respond, put comments, ask questions. You can also call us and text us and we'll respond on the show. Our number is nine O nine two one seven two six three zero. So please, if you have any questions or comments our feedback, please please please respond and we will respond back accordingly. All right, so while we're waiting for miss see here, we are going to continue on with Part C and the the pitfalls of Medicare advantage Part C. So we talked about how services may services require approval right well, and then we talked about how plan changes every year and we have to be on our toes and really look on every annual roma period and make sure that we're on the best plan every year. You're not ever married to your plans, so you can change plans, and I highly recommend that you're always reviewing your plans with your Medicare advisor. Now, the higher costs if you get sick, that's another pitfall.

20:32 It's a pay as you go model, so you know there's copays, there are coinsurance. It can add up quickly with a serious illness. Again, though you know in California it's not as urgent because again we had talked about how those Medicare out of pocket costs are so low and so you would not run into that situation even if you're going to see doctors constantly. You know if you reach let's say that Medicare out of pocket max of two ninety nine. Once you reach that, your insurance pays out one hundred percent on everything, So those payments are those fees aren't going to accrue as quickly out here in California because are out of pocket is so low.

21:21 There are geographic limitations too. Plans are county based. There are carriers that allow you to cross county lines. So again you want to get with an advisor to know you know the rules and regulations on that. You know, but if you move out of the county, you're going to have to find a new plan, so your plan doesn't travel with you. With a Medicare supplement, that plan does travel with you. So that's a big difference. Okay, switching can be harder later. So let's say you want to try a Medicare supplement. I would recommend you do that when you do turn sixty five or your first eligible for Medicare. Why, because you're guaranteed in without any underwriting or prior authorizations or you know, pre existing conditions anything like that. You're automatically in. Now if you go on a Medicare advantage, and then you decide two years later, I'm gonna try a Medicare supplement. It's not as easy to get on. You actually have to go through underwriting.

22:27 They're going to pull your medical records. You could be denied if you have cancer in the family, if you have diabetes, if you have any serious illnesses at the time of your application. So really, if you want to try a Medicare supplement, the best I'm gonna try it is when you're first eligible for Medicare, all right, And most agents don't explain that fact. So I'm explaining it now. You know, ding ding ding, big alarm right now is going on. It should be in your head. If I want to try Medicare supplement, you try it first at dot all right, you try it when you turn sixty five, are eligible for Medicare. All right? Hey, messy, how are you wonderful?

23:14 So good, good, good, yay. I'm glad you came on. I was like, wait for you, and I'm like, oh, man, I don't know if I sent you the right link. I know, and I was like, oh, we got it. Anyways, Missy, I already introduced you. I talked about a little bit. You have twenty five years experience is that in insurance overall our medicare as well. So I've had my license for twenty six years and I was doing long term care and disability quotes. I was like, I can't rep. And then in two thousand and five is when I got into medicare. Okay, awesome, awesome, And where you located. Out at Chattanooga, Tennessee.

23:56 Okay, in your license in forty five states and RICO and you've got fifty five agents under you. That's that's awesome? Is insane? Yeah? I bet, I bet you're a busybe all right, So how did it all start? How did you get into medicare? What what made you passionate about it? Well? I always say it was Jesus because I was interviewing for pharmaceutical rep. All my friends had had pharmaceutical rep and I. Was single at the time. They had they got a car, they got a gas card, they got commissions, and so I had interviewed twenty five times and nobody hired me. And this lady came in.

24:37 She said, hey, do you want to do medicare? And I go, what's medicare? She's like, you don't know what medicare is? I'm like, no, because when we get a job, our first job, nobody sits down and tells you what fika is? You just you pay all this money and you don't even know who's taking money out of your check. I mean, it's absolutely insane. So she was like, okay, she explained everything. What is medicare? You know what is a we're paying for a right now as long as we work ten years forty quarters. And she's like, don't worry about it. I'll teach you everything you need to know. They're gonna love you, and they did. I mean, it's like have it. She said, it's like them, you know, you being their grandchild. And then at first I thought, oh, maybe they won't think that I'm smart enough or you know, they could trust me. But when I realized it's a niche field, not a lot of people understand it, and nobody was doing it in my area, and it was.

25:29 Totally a god thing because I didn't even know what. Medicare was when this lady came to say, hey, you want to do medicare. So I always give him the glory because if it wasn't for him, he wouldn't have put that in my path. Because I had no idea what medicare was. That's awesome, that's awesome. Well, so you know you've been in this space for such a long time. Do you see any big trends coming up this year in the medicare space that we should be aware of. Well, you know, the whole not commission and commission things. Were all scared about. And I was here when they did it with ACA and and that was scary. Now I wasn't as big into a c as I was Medicare. I would do it if a client came in and had a spouse it wasn't old enough, but I wasn't promoting it, so it really didn't hurt me to say I'm not going to do this anymore. But when it comes to them not paying commissions in medicare, that would hurt me. And so I'm hoping it's not going to become a trend.

26:28 We're fighting really hard. HAFFA is a big If you're not part of HAFFA, please join HAFFA Navy. They're all fighting for us to keep commission. I've called Trump mo Largo I don't know how many times, to be like, look, they're trying not to pay us. You please help and set them straight. And we've we're on a quarterly call with Medicare. I was CMS trying to with halfa go into Washington, you know, to fight for our career. I keep telling our agents, you know, get letters of what we do. We're not just agents. We help you know, give them prescriptions, we help them get a food card, we help them get their Medicare premium paid for, we help them get Medicaid. I mean, all the things that we do that does it isn't even in you know, our job description to do and we're just more than a glorified agent giving them a product.

27:19 On top of all the testing we have to take, you know. Exactly doesn't have to take it. You know, they got one certification, you know, that's it. Ship they're not even licensed. I mean, now, how is that you put all these rigs on us, but then ship can come out and take a test and not even. Be licensed to do. This just blows my mind. You know, well, I saw the final rule just dropped. I'm hoping that it goes through because that forty eight hour rule is going to go away, which is is huge. Yes, yes, why clients get confused, lushed and right I mean, they're like, why do we have to wait that long to talk about stuff? Right?

28:00 Then? It's sillious rule ever, you know, I'm like the whole idea of giving them a pine here's the pin number. The pin number ties it to the agent, which the app ties it to the agent. You know, so if a complaint comes in, it ties it to the agent. And then say, hey, you know, where's the recording? Where's the documentation? I mean, waiting forty eight hours and having the documentation. The point is you just see the documentation saying you've we've gotten permission. I'm okay with that to me, that to me makes sense saying okay, here's the scope saying you did give me permission to talk to you for sure? For sure?

28:40 All right? So I'm gonna I'm gonna stop there real quick. What is your what's your phone number and your web address so we can put that on so people can reach out to you. Sure, medicare mysty dot com? Okay? And uh four two three two four zero zero seven? Perfect? All right. So our audience consists both of agents and clients, tell and prospect. So what would you say to our clients? Our prospects is the biggest mistake beneficiaries make when they're starting their Medicare process.

29:22 I think they some wait till the last minute, and I think that can hurt them by waiting till the last minute. Do your research. There's so much research out there, so that you know, a lot of people when they come in, they want to know a little bit before they start, you. Know, digging into it. So it kind of gives them a little bit of leverage to. All right, So while we're waiting for her to come back on, I was going to ask her the differences between advantage and supplements, since we were talking about that earlier. I think she would have great information on that as well. Again, she covers, you know, forty five states. The reason we bring her on is because we work together. I trust her inherently. You know. Obviously you know our broadcast is to the West coast, California, Arizona, and Nevada, all these states out here. I would recommend if you're moving to the East Coast or you're listening in and you live out in the East Coast, go ahead and reach out to Misty rather than us. She would more than happy to help you guys out There's so much business out there, and we want to help as many folks as we can with this craziness in the medicare space. So that's why, you know, we bring colleagues on like this so that we can help you guys through all this. All right,

30:54 So I'm going to continue on Medicare Parts C until she comes on. Other was would you have a second commercial too? I'm gonna wait on that though. Hey there you. Are, Hey low battery. Oh no, okay, no, no worries, We got got ya. That means we talked too much, right. Yeah, exactly exactly. Okay, all right, So I was I was going to ask you, you know, what would you tell folks is a big difference between Medicare advantage and Medicare supplements.

31:35 That is a great question. So the advantage plans have more benefits, is what I always say. They have more benefits versus a supplement that. Has more coverage. So you get dental vision hearing with advantage plans and uh over the counter a food card. I got kicked out of my room, so, oh my goodness. Side advantage plans, so they have more benefits like that, supplements have more coverage, they go up. You know, most of the time, either by age or by year. In UH, the you have to buy the drug plan. The drug plans not included where it's included on the advantage plan.

32:24 There's a network tied to advantage plans. So the biggest thing is the networks that I hear you have more freedom, you know with the supplements unless you do a PPO area. But they still have to accept to build a PPO. Okay, no, that's that's great information. And then how would someone trust or how would you know an agent is compliant? What are things to look for for a client to find the right. Agent, see how long they've been in the field. It's like when you go to have knee surgery or you know, elbow surgery or eye surgery. You don't some want someone that's brand new, that doesn't have the experience to give you the benefits that you deserve. Also to know the lingual you know the lingo. Uh, it's just you want an experience rep that's been in the field and won't stir you wrong for sure, for.

33:21 Sure, And your business clearly reflects relationship building and education. How important is that in this industry? It's very important. And you know, we take about thirty two tests a year to you know, to make sure that we know this information. We have to make a ninety on most of them to make sure that we know this information. And so we're constantly staying in front of it and constantly reading CMS websites, you know, reading any kind of uh that has to do with our field, especially now with the changes coming up. Yeah, for sure. And then you know, we talked about how you've got fifty five agents under you, So how do you balance scaling your reach while keeping your personal touch.

34:07 So you have to build a team underneath you because you'll get burned out. I did that for until the last four years. I burned the candle at both ends and it wasn't helping me. It wasn't helping my team get a pay because I think that's every agencies is like, oh, that's a lot of money to shell out. But then once you shell out that money, that's going to release you doing other things. It's going to allow you to make more money in the field of you not doing the things that you shouldn't be doing. Anyway, my biggest thing was learning to work on the business, not in the business for sure.

34:47 For sure. That's awesome, all right, so I'm going to do a quick rapid fire. These are kind of fun questions. Okay, a lot of them are one word answers, but go ahead and answer to the best your bill. So one word to describe today's medicare market? One word crazy. Yeah, that's a kind of all right. What's the biggest myth about medicare that. It pays for long term care nursing home? Amen. Yeah, a lot of my clients always think that, right, and then you find out the hard way. All right? What is the most underrated opportunity for agents right now?

35:28 I think everywhere there's opportunity. We don't realize it. I believe that everywhere we go God puts us in a place where there's a time. Everybody around me, I feel like there's an opportunity. If we don't say hi, how you doing? I think we missed that opportunity. And you know, people would say, oh that it's saturated, the market saturated. It's not saturated. There's several people that have not, you know, been to a certain dentists, have not been to an eye doctor. I mean, you know in the where I live in Chattanooga, they're like, you know, you're hiring so many agents, and it's like we haven't even hit all the financial advisors yet, all the P and C people yet, So there's opportunity everywhere.

36:09 Just open your mouth and say, hi, how you doing? Love your shirt? Where'd you get it? All? Right? Social media are referrals, which wins most long term referrals. Always that means you have trust and people trust you know they're trusting that person to trust you. So always referrals beat over that. I think both together is you know a powerhouse. Awesome? All right? If you had to restart your career today, what's your first move? I would probably do more loas. Okay, awesome, awesome all right? And then one daily habit that's made you.

36:53 Successful, consistency every day. I'm working this business every minute, and my husband's like, are we gonna have to do that today? Can you put it on the burner? And I'm like, okay, five minutes, we're going to table it. Yeah, yeah, yeah, for sure, for sure. And then what do you like to do on your off time? What do you enjoy doing? I love traveling, I really do. I love Jesus and I love traveling. So I'm we're usually we're going to Buddhafest in July, last in August. Yeah, and then I'm speaking in a different state like we're going to I'll be in Houston this month, and so several different states the rest of the year. Okay, okay, very cool, Well, safe travels to you. That's exciting, very all right. So here's our last question for you today. Okay, if you want to make smarter decisions in today's medicare landscape, what's the one thing they should focus on?

37:47 Marketing and network really constantly. If you're not selling, you should be marketing, and you should be networking. Your net worth your network is your net worth? Awesome? And then where can people find you on socials? Thank you're Missy on everything? Okay, there you go, and there's Medicare Missy's websites medicaremissy dot com. Her phone number to direct is four two three two four zero euros seven nine to four. We will have your information, Missy on Facebook Live, YouTube, as well as our website and podcasts. You can catch this podcast on Apple Podcast in a few days as well. Missy, thank you so much for taking the time to be on our show today. We appreciate you so much, and all that you're doing for our clients.

38:36 Appreciate you, Peter. Appreciate the collaboration. And sorry about the technical difficulty. Hey, it happens. Don't worry, all right, take care okay YouTube, all right, bye bye, hie. All right, that was a great interview. Sorry about the technical difficulties. But that's our interview with Missy. We are going to end our segment here with our second commercial and then I'll come on quickly. Hi, Peter, Hey Christine. How are you? I'm good? How are you? I'm good, I'm it's going well. It's my birthday today, so I'm kind of celebrating a couple of things. But I've had some great conversations with some clients this morning, so it's been a good day.

39:20 Sounds good. Happy birthday. And I see that your kids made you breakfast this morning. They did, they did. That was an exciting surprise this morning. That's that's so cool. Well, thank you for joining me today in this interview because I've had so many people reaching out to me about medicare and what to expect and their loss and I perfect because I know you and I know that you'd be the perfect perfect person to talk to, so so I just want to thank you for joining me today. Of course, let me share a little bit about Peter to the group. Peter is an Egyptian American and has has been married for seventeen years to his beautiful wife. She is a supervisory social worker for the State of California. They have two amazing kids, Noah Liam aged five and Julia Grace, aged ten. He was in the nonprofit sector and a pastor for twenty two years. He then transitioned into the insurance industry for three years. Peter's family was featured in a local magazine in February of twenty twenty neighbors of West Chino Hills for the business they work and the impact in their community.

40:31 He was also featured on biz TV Los Angeles for an interview about Medicare. He is also an ambassador for Chino Valley Chamber of Commerce since February of twenty nineteen and a member of the B and I Chino Valley Strategic Alliance Group. Peter is looking out for the best interests of seniors. He has no bias toward any carriers. Peter works with all the top star rated plans. He's contracted with Scan Healthcare Anthem, Humana, Health Net, Blue Shield, Etna, Silver Scripts, and Molina. Peter can help with Medicare medical plans, Medicare supplement plans, Part D plans, as well as low income help for Part D. So I do have some questions for you, Peter, let's jump right into it. Why did you decide to go into Medicare?

41:27 So, for those who don't know me, I was in the nonprofit sector for about twenty two years and just have a servant's heart. I love helping people out and so I felt like after I left the nonprofit sector, I felt like this was a great place to go for my skill set in helping people kind of navigate the Medicare journey. And like I said, I love helping people. I'm all about educating and giving free consultations. Awesome. Now, how old do I have to be to start thinking about Medicare and why? Well, honestly, you know, people say you should wait until you turn sixty five, but I do have some prospects that I work with who are sixty three. So I would say, if you're turning sixty three, you need to start thinking about it because there's so much out there.

42:16 There's so much terminology and it gets kind of confusing. So it's important to start planning ahead and so I can work with you and then when we turn sixty five, we can get. You on the right plan. Good to know now, all. Right, So we're going to finish that interview next episode. We are kind of slowly running out of time with our technical difficulties today with Missy, but we're so glad that you joined us today for our show. Again. You know, I'm going to just do a quick summary. We were talking about Medicare advantage parts C. Missy even alluded to, you know what the advantages are to Medicare advantage versus a Medicare supplement and vice versa. Again, you want to be with someone who's been in this industry for quite a while, a trusted advisor that can walk you through all that and make sure that you are making the right moves in the Medicare space. Medicare advantage is tied to a network. There are disadvantages, like we said about denials, not at getting approvals, delay of care, those kind of things.

43:32 The advantage those that includes everything like dental vision, hearing, over the counter, gym membership, prescription drug plan. So you're not doing everything all our chart. You're not spending extra premium dollars because the Medicare advantage is normally zero dollar premium. So those are the things that you want to key in on and focus on. We do bring on quite a few folks that are in this industry that are knowledgeable. We also have brought on and we will continue to bring on small businesses that we work with and trust inherently because here at Joseph Insurance Broker, we want to put those small businesses with a spotlight on them to show you, guys that there are so many resources out there for you in this community that you can use and apply it to your own lives. We hope these interviews have been helpful to you. We hope that you're able to apply these nuggets of information to your processes.

44:41 And we work hand in hand with all these fears. Right Insurance works with everything you know, our life insurance, we work with health insurance, small business group benefits. All those things are important and they all intertwine, and so that's why this show is more than just about Medicare. Thank you again for joining us this morning, and just to let you know, our tagline is we Medicare. Thanks for listening. Tune into Medicare Hour and More with Peter every Tuesday at nine am Pacific time right here on KFOHD Radio at kfohd dot com for more real life stories from experts to medicare about you and protecting your health, your finances, and your future. See you next week.