March 10, 2026

Medicare 101 with Special Guest Andrew Saksa of Essential Engine

Medicare 101 with Special Guest Andrew Saksa of Essential Engine
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Season 1

Episode 1 of MedicareHour and More with Peter kicks off with host Peter Joseph introducing the show and breaking down Medicare 101. Learn the basics of Medicare Parts A, B, C, and D, what each part covers, and how to apply for Medicare when turning 65 or retiring. Special guest Andrew Saksa of Essential Engine joins the conversation to discuss planning strategies that help agents retain clients as well as how to build relationships.

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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We do not offer every plan available in your area. Currently,

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we represent twenty one organizations which offer over two of

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thousand products nationwide. Please contact Medicare dot gov one to

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eight hundred Medicare for your local state health insurance assistance programs.

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You get information on all your options, attention to individuals, families,

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and caregivers. It's Medicare Hour and More with Peter right

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here on k for HD Radio. This is the podcast

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for all types of insurance solutions while specializing in Medicare

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because we Medicare.

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Here's your host, Peter R. Joseph. Hey, Hey, good morning everyone.

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This is my first show, so I'm excited to have

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you guys here. We are going to be broadcasting live

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on Facebook and YouTube, so if you have any comments

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and you're on and you're listening, you know, definitely drop

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in a comment and we will respond as quickly as possible.

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We are excited to have you guys here. I've had

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a lot of reps in different insurance carrier spaces say

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that they are excited that I'm actually doing this because

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you know, Medicare is a very confusing journey for a

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lot of folks, and it's great to have an educational

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piece out there so people can better understand the process,

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get the tools they need, and the resources they need

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to better adapt and get through this process. So we're

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going to try to make this as un confusing as

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possible for you guys. And this is more than just Medicare.

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We are actually an insurance brokerage out here in southern California.

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We are licensed over thirty three states, so we do

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have clients all over the United States. We do specialize

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in Medicare and health insurance, but we also do quite

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a bit in other facets of insurance. So we do

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property and casualty, we do life insurance, long term care insurance.

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We also do travel insurance, earthquake insurance, you name it,

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we do it. The only thing we don't do is

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personal auto right now, so this is going to be

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a forum for all things insurance. We want to give

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you guys all the resources that you need to navigate

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this world. So today, though we are going to actually

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be talking about Medicare one oh one, we're going to

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break down what Medicare covers in terms of parts A, B, C,

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and D, and every every week that we broadcast, we're

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going to be doing something A little bit different in

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terms of the information that we give you guys. This

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will be helpful. This is all recorded for you guys,

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so if you guys can't come and watch us live,

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you can always catch us back on our Facebook business

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page or the YouTube page. Our YouTube pages Medicare a

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Minute with Peter. That's the channel for us, and then

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our Facebook page is just Insurance Broker LLC. So you

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can catch both of those things on there. All right,

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So I'm going to dive into Medicare one on one

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and what each part covers. There's so many different letters,

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I know, it gets really confusing. I just heard a

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rumor this last year that the government wants to introduce

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even more letters. I'm like, no, no, no, no, no.

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We've got enough letters to confuse our folks at this point.

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So these are the really important for you guys to

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know and have in hand. Obviously, you know CMS is

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the centers for Medicare and Medicaid. They release a booklet

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to you guys called Medicare in You every year that's

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updated with the most latest information. The problem with that

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booklet is it is pretty long and hefty. Not a

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lot of folks have the time to read through all that,

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and so that's why you know, I want to have

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this show to break down the different parts of metical

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care for you guys and how to actually enroll into mantercare.

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So Part A is something that most of us will

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get free if we've worked here ten years in the

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United States. You have a certain amount of units that

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you have to qualify for in Social Security. It's forty

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units and that equates to that ten years here in

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the United States, full time. Part A is free for

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everyone who's here a citizen in the US. So Part

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A covers hospital insurance, It covers inpatient hospital stays, skilled

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nursing facility care after qualifying hospital stay. It covers hospice

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care for terminal illness, and limited home health services. So

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it does cover a little bit of the home health

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not what you're thinking of in terms of the long

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term care, but there are coverages for home health care,

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so keep that in mind. So it does cover like,

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you know, your semi private hospital room, meals care, medications

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received during inpatient treatment, rehab services. So that's a big one.

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I do have a current client right now who's going

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through rehab. They are asking me, you know, does their

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Medicare plan cover rehab services and it definitely does, and

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then hospice support services, so that is all covered under there.

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So that is part A. Part A is free for

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everyone when they turn sixty five or they roll into

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Medicare after they come off an employer health plan. Now

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Part B is for medical insurance, so that covers like

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your doctor visits, your lab work, your outpatient hospital services,

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preventative services, mental health services, durable medical equipment, and medically

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necessary outpatient treatment. So Part B is something that everyone pays.

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It's not free. I do have some clients who always think,

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you know, once they get out to Medicare, oh, I

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don't have to pay anything. Well, yeah, we paid into Medicare,

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but it's not free unfortunately, so most folks have to

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pay usually a baseline if you're making about I think

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the last figure was about ninety two thousand dollars. It's

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that figure changes every year as well, and so if

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you're making that income and you're single, most folks are

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paying about two to oh two per month this year

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for Part B. So that comes out of either your

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Social Security or you're billed for it three months at

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a time, and so that covers your Part B if

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you're making more than that, or you're a married couple

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making more than that. So if you're married and you're

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making more than one hundred and eighty seven thousand dollars,

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you're basically pro rated a certain amount that's a little

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bit more than that two O two. So there's a chart.

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I don't want to overwhelm you with numbers at this point,

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so we'll we'll go over that next time that we

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have our show. So just know that most folks do

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pay about two hundred and two dollars a month for Medicare.

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And again, like I said, it covers your primary care visits, specialists,

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diagnostic imaging, preventive screenings, vaccines, outpatient therapy, and provider administrator

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medications such as chemotherapy or infusion therapy. All right, so

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that's what Part B covers. Here's the thing that people

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are not aware of is that Part B does not

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cover Medicare as a whole. Even does not cover long

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term care. And so a lot of folks find out

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the hard way when they're starting to, you know, unfortunately

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get those diagnoses of cancer. They're in skilled nursing field facilities.

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Over one hundred and twenty days. Those things need to

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be covered by long term care policy, which is something

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that we do offer, but it's something that you want

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to prepare for when you're a lot younger because the

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older you get, the more expensive it gets, and so

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it's important to cover those costs. Medicare is not going

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to cover every everything. And just so you know, if

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you're just on original Medicare, there is no cap on

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the limit of what you're going to spend out of pocket.

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And so we'll dive into that a little bit more,

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but that's why, you know, folks need to get a

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long term care policy to cover for those situations that

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you can't really prepare for and you don't want to

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be you know, I have a lot of out of

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pocket expenses at that point. You know, I do have

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some clientsho say, well, I'm going to have a family

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member take care of me. Well, A, you don't want

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to put that burden on your family member and be

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you don't know what the situation is going to be

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in ten fifteen years, and so you don't know where

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that family member is going to live, You don't know

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if it's going to be doable for that person, and

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so you want to be made sure that you're taking

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care of well and good. So that is Part B.

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Now Part D as Dog covers your prescription drug coverage,

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so that covers your standalone prescription drug plans. It covers

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the cost of medications at retail pharmacies and mail order pharmacies.

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You know, covers your brand name as well as your

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generic medications. There is a formulary list that each insurance

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carrier has and so you want to make sure your

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prescription is on that formulary list so that it's covered.

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If it's not, then it's not going to be covered.

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So but it covers your pharmacy networks, It has tiered

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formularies and also has protection from catastrophic catastrophic drug costs.

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Sorry about that. So that is what Part D covers.

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Part D is a plan that you have to get

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on top of original medicare that it has an additional cost.

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It just depends on the carrier. Sometimes it's a zero

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dollar premium, sometimes it's a little bit more. So again

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let's break it down Part as hospital. Part B is

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your doctor's and lab work. Parts C, which is what

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we'll talk about next, and then Part D covers your

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prescription drugs, all right, So just keep that in mind.

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I know there's a lot of letters to keep straight,

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but I want to make sure you guys have everything

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kind of covered in that regard. Now, Part C that

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includes sometimes dental vision, hearing, fitness programs, prescription drugs, care coordination,

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annual maximum out of pocket protection. So Part C is

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like a Medicare advantage plan. And we'll talk about the

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different journeys that people can take with original Medicare versus

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Medicare advantage versus a Medicare supplement. But we won't go

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we won't dive too deep into that in this session

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right now, but just let you guys know Parts C

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is a Medicare advantage plan, and that's what you hear

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about a lot in add in newspaper readings as well

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as in the media, and that's usually you know, the

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big annual enrollment time in the fall is all usually

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centered around Medicare advantage plans. So that's that's it for

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those letters. Now today, for my first show, we actually

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have a special guest, and so just to let you

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guys know, we do have we're going to have guests

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from time to time. We are going to have quite

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a few sponsors. We already have an FMO a marketing

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organization called Everything Senior Insurance that is sponsoring us, another

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company called Lead Heroes. We have a couple of local

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businesses out here in Chino and Chino Hills, California that

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will be sponsoring us and coming on as guests. We

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want to bring these guests on because we want to

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show you the companies that we work with that we

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feel are reputable, and whether we're working with them directly

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or indirectly. We want to make these resources available to

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all our clients. So all our seniors, all our families,

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all our small businesses that we work with directly, these

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are going to be resources that you can reach out to.

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We're going to have their contact information. We will have

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a website for our podcasts, and all their sponsor information

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will be on there as well. So I'm excited that

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we're going to have Andrew Soksa, and so I'm going

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to kind of talk about what Andrew does. He's the

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vice president of Strategic Channels at a Central Engine, where

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he leads strategic partnerships and distribution initiatives designed to help

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insurance agents and final financial advisors grow their practices. Through

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relationship driven marketing. With more than a decade of experience

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in the insurance and financial services ecosystem, Andrew has specialized

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in building innovative marketing channels and strategic alliances that help

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professional strength and client relationship chips and generate referrals. In

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addition to his leadership role at a Central Engine, Andrew

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serves on the advisory board of Agent Review, where he

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helps guide initiatives that connect consumers with trusted insurance professionals

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through technology and marketing and innovation. Andrew is very passionate

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about helping advisors stand out in competitive markets by combining brand, storytelling,

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technology partnerships, and client first marketing strategies. So I am

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so excited to have Andrew as our first guest in

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our inaugural show. He's going to be coming on here shortly.

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Hey Andrew, how are you? Peter?

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I fantastic, What a great first show.

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I love you.

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We really broke down basically what all these letters that

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we stand for. I go to so many conferences I

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hear this stuff thrown around. It was such a nice

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way to start to show your first show by breaking

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it all down and then just also to share something

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about that long term care. So my uncle who lives

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in Ventura, not too far from you, actually a great guy,

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you know, grew up in southern California, surfer, hiker, all

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this really great stuff. His wife has now gotten to

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the stage of her dementia that they are out visiting

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a lot of these facilities and oh my gosh, the

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cost is just astronomical. So, boy, I'll tell you what

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if you don't plan ahead of time for these types

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of things, that really set aside assets and work with

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someone like yourself, Peter, who really is an expert in

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these fields. Boy, you really need to start. So that's

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again a message. I know this is a pretty broad audience, right,

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It's gonna be some clients. It's also gonna be some

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fellow agents. I love your sponsors, by the way, Christian Brandle,

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one of the greatest guys in the business. Clinn Shelton,

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one of the best people in the business. If you're

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an agent, you're not going to the seven figure Medicare

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agent somemmit this year? You uh, that's in June. You

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definitely want to be attending that event. So with all

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that beings at, Peter, thank you so much for the

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introduction Yep. I'm Andrew Sachs. You guys probably known me

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for a decade running around out there a lot of

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these conferences. Peter and I've been friends for a while,

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and I got to tell you, when you're looking for

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a great agent, look for somebody like Peter. Peter does

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everything you possibly can every single day, not only to

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put your needs as a client first, but also to

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be out there in the community sharing all kinds of

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ways that other agents can also do. Something that is

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so important, which is working in the senior market. So

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I'm going to shift gears away from the clients of

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the story. If it's okay with you, Peter, please please

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share a little bit about how I can help some

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of your colleagues, some of the other agents out there

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in the world. They're looking to grow their business connected

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a relationship level with the client, to not only increase

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their retention, but also to grow their business.

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And let me let me stop you there for a second.

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Just just tell you that our audience, the only reason

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I brought Andrew on too, is that we are actually

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working with Andrew for our clients as well. So for

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my clients that are listening, you guys are going to

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be seeing a magazine come into your doorstep pretty soon.

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So I'm gonna let Andrew kind of take care of

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that and take it from here. That I wouldn't be

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bringing on people that I don't trust, and I trust

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Andrew inherently. So thank you so much for coming on

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our show.

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Thank you, Peter. I appreciate that. Right back at you,

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my friend, thank you.

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Thank you. All Right, Andrew, so just tell us a

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little bit about yourself. Obviously I gave you that intro,

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but what what do you do essentially with Essential Engines?

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How do you help agents, you know, build that reputation

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of retaining clients and growing their business?

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Awesome? Well, Peter, you and I both know this is

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one of the most exciting times ever to be an

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agent in our industry. Right, this is the silver tsunami. Right,

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Holy cow, sixty million Americans controlling one hundred and twenty

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trillion dollars of wealth. Oh my gosh, twelve thousand people

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every single day in the United States turn sixty five

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that need help from Peter, from all you incredible agents

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out there that just do amazing work. And our goal

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at a Central Engine is to help you connect with

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your client at a relationship level, turning your client into

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a raving fan for your business. Like I said, not

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just for the retention aspect of it all, but also

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to really and truly help the agent grow their business. Because,

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let's face it, if you've got a great agent like

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Peter out there, why wouldn't you want to share his

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information to all of your friends, all your family, your

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pickleball buddies, your golf buddies, your surfing buddies. If you're

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out there in southern California shredding waves, boy, I'll tell

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you what if you can connect at a relationship level

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with a beautiful marketing piece focus on retirement with actual

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stories that are really geared towards not only what to

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expect and anticipate when you're going through retirement, but the

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lead up to retirement. And the nice thing about our

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magazine is again, not only are you on the cover,

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but like Peter said, it's even got to customize message

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right down on the inside cover of the magazine that

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can be right down to your individual client level. So, Peter,

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you and I both know lots of folks out there

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that just had their first grand baby. Right my wife

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and I got a first fan kid not too long ago.

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Imagine if Peter, me and my wife Tamila were your

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client and you sent that gorgeous magazine to us and

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you said, Hey, Andrew, hey Tamila, congratulations on your baby,

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your little grand baby, right all right, gosh, we would

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be the biggest raving fan for your business ever. And

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by having the ability to customize the back cover of

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the magazine inside out as well, Peter, I know you

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do amazing things in your community. Let's showcase that.

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Right.

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Let's take that church, that charity, that foundation that you're

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doing all this great work with the Senior Center, and

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let's put them on the back cover of the magazine.

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Let's give them a little love. Let's give that opportunity

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for that client, that prospect that's here to once again

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understand why you're such a great agent, not just because

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you're a subject matter expert, which you absolutely one hundred

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percent are, but also in addition to that, let's show

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all the amazing things you do in the community to

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make the community better for seniors. So that's our focus.

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We give you a beautiful tool, not just magazines at

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Land I have the Retiring Well magazine, we have an

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essential living magazine, which is here towards the younger crowd

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a little bit right, So you got a little bit

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more travel, a little bit more recipes, more general interest

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stuff there again, nothing controversial, holy smokes man, you're talking

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about the third rail these days. But again just really

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great things again that are general interests that everybody looks

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forward to. And the best part about it is we

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make it turnkey. Peter, you know firsthand you have your

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own coach. They help you every step of the way.

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They help you with your list. Anybody that you're going

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to send a magazine to, if you're lucky enough to

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be one of Peter's clients and you're getting the magazine,

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rest assured there's no other agent out there in the

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world that would ever be able to send you a magazine.

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Peter worked awful heart to bring you on board and

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does a great job of taking good care of you,

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and we respect that and we want to make sure

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that that relationship seys intact. So once again, exclusive your

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own coach or hand in hand with you, customize that message.

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If you have a great co brand partner. Maybe there's

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a doctor's office, or maybe there's an attorney or a

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state planning or a Senior Center, like we just talked about,

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you can put them on the back cover of the magazine.

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Then we can put one of Peter's QR codes right

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here on the front cover of the magazine. So again,

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everybody that's going through that office, they can stand Peter's

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QR code, have an appointment, get that scope of appointment

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all taken care of, which is necessary for Peter to

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be able to do the right business, to be able

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to help protect you and your family.

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That's great, and I think it's important, especially in this

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day and age, because you know, especially with our field agents,

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we are not you know, transactional. We're all about relationship

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building and so we're not one and done that we

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don't just kind of, you know, sign you up for

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a policy and then kind of leave you. We want

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to make sure that we continue that relationship and always possible.

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And so this is a great way, Andrew, for US

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agents to continue to check in with our clients make

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sure that they get resources that they can use for

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their everyday lives. So I love this magazine idea. I

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do have a question for you though, because you know,

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AI is huge right now, right, I mean, that's the

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next big thing. So you know with AI, you know,

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why is relationship marketing so important for an agent at

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this point?

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What a great question. So I agree with you, right,

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So many agents right now are trying to lean on

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AI as a way to bring or meet new clients.

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And let's face it, there's some really cool stuff. Peter.

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You and I just did a LinkedIn post and we

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also did a post on Facebook. Do you think any

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of that was real?

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Guys?

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There was all AI generated, right. I just know how

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to work with AI to be able to take our

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real photo and then make it something a little bit

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more fun. So every day you're seeing this stuff come

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in and creep into this space. But guys, at the

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end of the day, if you're a client of Peters,

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why do you work with Peter? You work with Peter

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and only because he's that subject matter expert. But he's

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a real human being. Look at him. He's talking to

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you right right now. We're real people out here in

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the world. And the strength of that relationship and to

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be able to separate yourself from all the competition that

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is out there just again fully into the AI world

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and or you know, just constantly trying to acquire leads

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from other leads or not leave heroes love lead heroes.

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But what I'm saying is, honestly, you have to do

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something that shows you're a real human being. I always

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say that people listen, if you get a little puppy dog,

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why wouldn't you take a photo of you with your

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little puppy dog. Put it right there on the inside

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cover of the magazine Because guess what, Peter, you and

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I put a whole bunch of your clients have little

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puppy dogs out there, right and they work with people

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that also so have puppy dogs. Are good animals known that?

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So how do you separate yourself from all the competition? Again,

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a magazine is a great way to once again showcase

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that you're a human being. You're out there in the

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world helping people. If you're in a community and you

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want to go sit down with Peter and meet them

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in person, Peter would love to sit down and meet

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you in person. We're not AI, We're real human being.

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So again, what a great question, Peter. Again, I think

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you really, truly do need to strengthen a relationship, connect

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to both halves of that household, connect to that next generation,

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and do it in a way where you're real, you're authentic,

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and you show people how much you care about them.

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And Peter, that's one of the things I love about you, man,

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is you always put the client's needs ahead of your own.

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There was never a moment in your career where you

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were out there hustling for yourself and your family first

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ahead of your client. It was always that servant attitude that, hey, look,

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the more help I can give to seniors to navigate

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these waters, to be able to do all the right

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things to protect them and their loved ones, my reward

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in my riches will come as a result of putting

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them first. So I was respected about you, Peter.

431
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Thank you, Andrew. I appreciate those comments. I really do.

432
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So I'm gonna put you on the spot here, Andrew.

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There's going to be a question that I want to

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ask because you know, obviously we've got a lot of

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our clients listening in, so you know, is there something

436
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you've been in this medicare space for years? I'm sure so.

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Is there something that our clients should be aware of

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in this medicare space? Anything, any changes that you feel

439
00:25:46.319 --> 00:25:49.240
like they should be aware of, anything to help them

440
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prepare for as they turn sixty five to get onto Medicare.

441
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Are there any like key factors that you feel like

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they should know.

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Yeah, I think the biggest one is when you have

444
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somebody like Peter in your life, they can really truly

445
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help you with your business. You got to stay with

446
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that guy. You got to do everything you can to

447
00:26:07.960 --> 00:26:11.880
support that guy. Right, because the fact that Peter's right,

448
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there's so many changes coming down the pike, and every year,

449
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we never know what Washington's going to do. We really

450
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never know what the carriers are going to do. We

451
00:26:22.240 --> 00:26:24.799
honestly don't know a lot of things out there. We

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do everything we possibly can, right. Peter is a true

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subject matter expert. He really does listen to all these

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changes and intends these important events. Again, Christian Brendelson figure

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medicare something a little bit of expert love here today, buddy.

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But the reason why I mentioned that is Peter reaches

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into his own pocket, spends his own dollar to go

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to find out what these changes are from the top

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people in the entire world, they're in the medicare space.

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That's why you need to work with Peter. That's why

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you need to work with agents again, as opposed to

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just call one eight hundred number and just you know,

463
00:27:02.599 --> 00:27:05.440
working with somebody that could even be in the Philippines

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for all that matters. So all I'm telling you is this,

465
00:27:09.319 --> 00:27:12.200
We're all going to see changes. Peter's going to always

466
00:27:12.200 --> 00:27:14.400
be at the forefront of knowing what those changes are.

467
00:27:14.440 --> 00:27:17.000
So a lot, and we're always going to be here

468
00:27:17.000 --> 00:27:18.680
for you. And by the way, if you're a client

469
00:27:18.720 --> 00:27:21.640
of Peters and you're a small business owner and you

470
00:27:21.680 --> 00:27:23.759
still have your business going and you're looking for a

471
00:27:23.799 --> 00:27:28.759
way to create value for your business by seeing connected

472
00:27:29.000 --> 00:27:32.039
with your clients, your prospects in spheres, guys, we can

473
00:27:32.079 --> 00:27:35.200
help you do that. Reach out to me. I'm an

474
00:27:35.359 --> 00:27:39.359
essential engine. Www, not essential engine. I'll even put my

475
00:27:39.400 --> 00:27:42.200
little number in the tat Awesome.

476
00:27:42.240 --> 00:27:44.880
Awesome, Yeah, I mean we're going to be doing a

477
00:27:44.920 --> 00:27:49.359
magazine and we actually are looking to build our relationship

478
00:27:49.400 --> 00:27:51.839
with We have a dental office that we work with closely.

479
00:27:52.480 --> 00:27:54.559
We help their patients, and so we want to give

480
00:27:54.559 --> 00:27:56.640
them a little bit love and so I'm looking forward

481
00:27:56.720 --> 00:28:00.519
to possibly putting their information in the magazine alongside and

482
00:28:00.559 --> 00:28:02.799
giving them a little bit more support in that regard.

483
00:28:02.880 --> 00:28:06.240
So I love that idea. I think, you know, like

484
00:28:06.480 --> 00:28:09.079
Andrew said, if you're a small business, especially here on

485
00:28:09.160 --> 00:28:12.440
Chino Chino Hills, and you want some more love, you

486
00:28:12.480 --> 00:28:15.200
want some more publicity, this is the way to go.

487
00:28:15.519 --> 00:28:18.880
Trust me. It is so Andrew. What what's a good

488
00:28:18.880 --> 00:28:21.880
way of getting a hold of you outside of your website?

489
00:28:22.319 --> 00:28:23.400
Do you have a phone number?

490
00:28:24.359 --> 00:28:24.599
Sure?

491
00:28:24.640 --> 00:28:25.960
Do? Wait?

492
00:28:26.160 --> 00:28:27.440
I love your scrolling.

493
00:28:28.799 --> 00:28:29.680
Thank you, thank you.

494
00:28:30.200 --> 00:28:34.119
It's got my mobile number, it's got my direct line.

495
00:28:34.400 --> 00:28:35.400
Awesome, awesome.

496
00:28:35.960 --> 00:28:40.200
Also reach out to Peter, guys. Peter has all my numbers,

497
00:28:40.279 --> 00:28:43.480
my cell number, my office, my email, which just flashed

498
00:28:43.480 --> 00:28:48.160
across a sas and Essential Living or Essential Engine Central

499
00:28:48.200 --> 00:28:52.720
Living is our magazine, Essential Engine dot com. Yes, please

500
00:28:52.799 --> 00:28:55.680
reach out to me, Peter. Thank you for the additional plug.

501
00:28:55.680 --> 00:28:56.960
I would have missed that completely.

502
00:28:57.160 --> 00:28:58.599
Yeah, of course, all the way.

503
00:28:58.759 --> 00:29:04.039
If you're an agent, listen, guys. If you're an agent, guys,

504
00:29:04.319 --> 00:29:06.880
I'm going to do something very special because you tuned

505
00:29:06.920 --> 00:29:11.480
into this broadcast as a thank you to Peter, guys,

506
00:29:12.000 --> 00:29:15.200
I've got a very special promotion. Again, because we have

507
00:29:15.240 --> 00:29:16.680
a lot of clients that are going to be part

508
00:29:16.720 --> 00:29:19.160
of this. I don't necessarily want everybody to know all

509
00:29:19.200 --> 00:29:22.160
the special promotions I'm doing, but do me a favor.

510
00:29:22.440 --> 00:29:26.480
Reach out to me directly, say you heard about us

511
00:29:26.759 --> 00:29:31.960
on Peter's Medicare Hour and more with Peter, and because

512
00:29:32.000 --> 00:29:34.240
of that, I'm going to do something I don't do

513
00:29:34.359 --> 00:29:38.759
for almost anybody in the world. So guys, reach out

514
00:29:38.799 --> 00:29:41.839
to me. Make sure you let me know that you

515
00:29:42.000 --> 00:29:46.920
heard about me from this incredible podcast that Peter is doing,

516
00:29:47.359 --> 00:29:49.400
and let me help you guys for your business.

517
00:29:49.480 --> 00:29:49.680
Again.

518
00:29:49.720 --> 00:29:52.720
I've been doing this for ten years. I'm passionate about

519
00:29:52.720 --> 00:29:56.559
this industry. I care about seniors. I love it when

520
00:29:56.640 --> 00:29:59.640
I get somebody like Peter that is such an authentic

521
00:30:00.160 --> 00:30:04.680
expert in the industry, works so hard to help you

522
00:30:04.720 --> 00:30:08.519
guys every single day. And because of Peter, I want

523
00:30:08.559 --> 00:30:11.480
to do everything I can for you today as well.

524
00:30:11.640 --> 00:30:13.480
And Peter, by the way, it's also a great recruiting

525
00:30:13.519 --> 00:30:14.240
tool too for.

526
00:30:14.200 --> 00:30:17.160
Your Yeah, no, awesome. I appreciate that. Andrew and you

527
00:30:17.200 --> 00:30:20.119
guys you need to take advantage. Honestly, this is a

528
00:30:20.599 --> 00:30:24.920
once in a lifetime deal. We took up on his offer,

529
00:30:25.000 --> 00:30:27.279
and so I encourage you guys. If you are listening

530
00:30:27.279 --> 00:30:30.440
in and you're an agent, you know, definitely reach out

531
00:30:30.480 --> 00:30:35.079
to Andrew right away. Andrew, you know this is for

532
00:30:35.400 --> 00:30:38.319
medicare agents, but also do you guys do this magazine

533
00:30:38.359 --> 00:30:40.759
for like real estate agents or financial advisors?

534
00:30:41.079 --> 00:30:44.480
Sure? What a great question. Again, thank you again so much.

535
00:30:44.960 --> 00:30:49.880
Yes we are. The company is about twenty five years old.

536
00:30:50.039 --> 00:30:51.759
J Just so you know, we work with over twenty

537
00:30:51.960 --> 00:30:56.119
thousand financial advisors. We also work with a ton of

538
00:30:56.160 --> 00:30:59.119
real estate professionals. Look, at the end of the day,

539
00:31:00.359 --> 00:31:03.680
whether you're a financial advisor, whether you're a real estate professional,

540
00:31:03.720 --> 00:31:07.240
whether you're an outstanding insurance agent like Peter, we all

541
00:31:07.400 --> 00:31:10.880
recognize one thing. We are in a relationship business, and

542
00:31:10.920 --> 00:31:14.079
you have to do something in a consistent manner to

543
00:31:14.200 --> 00:31:16.359
connect to both abs of that household and connect to

544
00:31:16.400 --> 00:31:19.799
that next generation. And if you can do it where

545
00:31:19.839 --> 00:31:23.160
it's turn key but has a big impact for your business,

546
00:31:24.200 --> 00:31:26.319
well I'll tell you what we are a great solution.

547
00:31:26.480 --> 00:31:28.519
So yes, the answer is I work with real estate,

548
00:31:28.599 --> 00:31:32.000
I work with financial advisors. I work with anybody whose

549
00:31:32.039 --> 00:31:34.240
business is predicated on repeat and reform.

550
00:31:35.079 --> 00:31:38.640
Awesome, awesome, Well, Andrew, thank you so much for coming

551
00:31:38.680 --> 00:31:42.039
on our show. I appreciate your time. And you guys

552
00:31:42.079 --> 00:31:45.119
have his information. It's scrolling on the bottom again. This

553
00:31:45.240 --> 00:31:48.359
is on our Facebook page, YouTube page. You can find

554
00:31:48.359 --> 00:31:52.880
the information there. We will also put that podcast website

555
00:31:52.920 --> 00:31:56.480
out so that you can find his information there as well. Andrew,

556
00:31:56.519 --> 00:31:58.920
thank you, my friend. You have a wonderful week, and

557
00:31:59.440 --> 00:32:04.920
again for joining us on our first inaugural show. That's awesome.

558
00:32:05.160 --> 00:32:06.240
I appreciate it. Man.

559
00:32:06.519 --> 00:32:09.799
Congratulations my friend in a great show. I can't wait

560
00:32:09.839 --> 00:32:12.440
to see more episodes and I'll be on anytime you

561
00:32:12.480 --> 00:32:13.359
ever want me to be on.

562
00:32:13.480 --> 00:32:16.519
Peter Awesome. I appreciate it, brother, appreciate it.

563
00:32:17.079 --> 00:32:19.599
Take care, Thanks everybody.

564
00:32:21.880 --> 00:32:25.559
All right, man, what an amazing first guest that we had.

565
00:32:25.599 --> 00:32:30.240
I loved the information Andrew shared with us. Again, you know,

566
00:32:30.319 --> 00:32:33.359
his information is going to be in a lot of

567
00:32:33.400 --> 00:32:36.359
different places, so you can definitely reach out to him.

568
00:32:36.440 --> 00:32:41.240
I encourage all agents listening in or hearing the recorded

569
00:32:41.359 --> 00:32:43.960
version of this to definitely reach out to Andrew for

570
00:32:44.039 --> 00:32:49.839
that offer. You know, we want to definitely be in

571
00:32:49.880 --> 00:32:54.480
the ears of our clients constantly. I'm just gonna kind

572
00:32:54.480 --> 00:32:57.960
of dive into a little bit background of myself and

573
00:32:58.039 --> 00:33:00.920
how I came into this business. As some of you

574
00:33:01.000 --> 00:33:03.480
are listening in for the first time and don't know

575
00:33:03.519 --> 00:33:06.559
a lot about me, So let me just kind of

576
00:33:06.559 --> 00:33:09.559
start with. You know shared in the beginning that we

577
00:33:09.640 --> 00:33:13.200
are a brokerage out here in southern California. We specialize

578
00:33:13.200 --> 00:33:16.039
in medicare and health insurance, but we do all other

579
00:33:16.200 --> 00:33:21.920
insurance products as well. We've got twenty six agents in

580
00:33:21.960 --> 00:33:25.039
our agency all over the United States as well as

581
00:33:25.119 --> 00:33:29.359
a office administrator. Her name is Glenn, so she's been

582
00:33:29.799 --> 00:33:34.119
an amazing asset to our agency and we've been doing

583
00:33:34.119 --> 00:33:37.519
this while I've been doing this for almost ten years now.

584
00:33:38.160 --> 00:33:41.440
My agency, though, has only been around for about six

585
00:33:41.519 --> 00:33:44.480
years so, but I have been in the insurance space

586
00:33:44.519 --> 00:33:47.759
for about ten years. Well, for those of you who

587
00:33:47.759 --> 00:33:51.079
don't know, yes, I am young. It's at the Egyptian blood.

588
00:33:51.079 --> 00:33:54.400
It looks like I'm pretty young, right, I'm actually fifty

589
00:33:54.480 --> 00:33:57.400
one years old, believe it or not. And so what

590
00:33:57.440 --> 00:33:59.720
did I do before the insurance space. Well, I was

591
00:33:59.759 --> 00:34:04.200
in a nonprofit sector for about twenty two years and

592
00:34:04.400 --> 00:34:10.760
I worked for different mission organizations, leading teens either overseas

593
00:34:10.840 --> 00:34:15.360
on mission projects to Native American reservations. I also worked

594
00:34:15.360 --> 00:34:17.280
for churches. I was a youth pastor, I was an

595
00:34:17.280 --> 00:34:21.199
associate pastor, I was a children's pastor. So I have

596
00:34:21.400 --> 00:34:25.800
all that experience well, what made me leave the church

597
00:34:25.840 --> 00:34:30.039
space and the nonprofit space. Honestly, I wanted to have

598
00:34:30.079 --> 00:34:33.159
a little bit more stability. If you don't know, you

599
00:34:33.239 --> 00:34:37.199
move around quite a bit when you're in nonprofit sector,

600
00:34:37.639 --> 00:34:41.880
and I wanted some more stability for my family currently

601
00:34:41.960 --> 00:34:45.440
right now, my wife is a social worker, My son

602
00:34:45.599 --> 00:34:48.519
is eleven years old, and my daughter is fifteen years

603
00:34:48.559 --> 00:34:51.880
old in high school. And so I just wanted to

604
00:34:52.360 --> 00:34:55.800
stop moving around so much. My wife is a social

605
00:34:55.800 --> 00:34:58.920
worker for the State of California. She's been with that

606
00:34:59.119 --> 00:35:02.400
place for thirteen years, and so her her job was

607
00:35:02.639 --> 00:35:07.000
very stable, but mine was not. And so the second

608
00:35:07.079 --> 00:35:10.800
reason we left is because of the politics. Unfortunately. You know,

609
00:35:10.960 --> 00:35:17.800
politics seep into every type of uh line of of

610
00:35:17.920 --> 00:35:22.960
professionalism unfortunately, even in the nonprofit sector, and so uh

611
00:35:23.000 --> 00:35:24.920
there was a lot of hypocrisy how to deal with

612
00:35:25.760 --> 00:35:29.599
There was just a lot of things that weren't done right,

613
00:35:29.760 --> 00:35:32.760
and so you know, I was kind of burnt out

614
00:35:32.800 --> 00:35:35.719
by that and tired of it, and and so I

615
00:35:35.760 --> 00:35:38.960
wanted to find a space though, where I was continuing

616
00:35:39.000 --> 00:35:43.480
to help people, administer to people and and really use

617
00:35:43.599 --> 00:35:48.280
my servants heart. And so I knew insurance was a

618
00:35:48.320 --> 00:35:52.039
place that I could help people. And the first place

619
00:35:52.079 --> 00:35:55.519
I went to was actually New York Life, and there's

620
00:35:55.559 --> 00:36:00.400
a person there who put a little wigam I hear

621
00:36:00.440 --> 00:36:04.119
about people needing help with Medicare and Medicare being so

622
00:36:04.239 --> 00:36:08.440
confusing and our seniors need some help. And so I

623
00:36:08.480 --> 00:36:11.519
started diving into that a little bit more and realized,

624
00:36:11.960 --> 00:36:15.159
you know, this is a niche for me. This really

625
00:36:16.239 --> 00:36:20.440
talks about my skill set in a great way because

626
00:36:20.599 --> 00:36:23.079
I'm able to continue to help people and educate people

627
00:36:23.400 --> 00:36:25.159
the same way I've been doing for those twenty two

628
00:36:25.199 --> 00:36:29.440
years in nonprofit sector, and I wanted to bring value

629
00:36:29.480 --> 00:36:32.239
to that industry. And so I decided to create my

630
00:36:32.360 --> 00:36:39.559
own brokerage six years ago and give just a place

631
00:36:39.679 --> 00:36:46.360
in the service for where I could help seniors' best

632
00:36:47.000 --> 00:36:51.840
and our business took off. You know, I'm all about

633
00:36:51.840 --> 00:36:54.880
relationship building. I'm not like those call centers where I'm

634
00:36:54.880 --> 00:36:57.440
one and done and transactional. What we talked about earlier

635
00:36:57.440 --> 00:37:04.599
in our interview process with Andrew, we strive to know

636
00:37:05.039 --> 00:37:08.920
our clients' lives and and know you know, what they

637
00:37:08.960 --> 00:37:12.400
struggle with, their pain points, how we can help them

638
00:37:12.880 --> 00:37:15.199
and so uh that is one of the main reasons

639
00:37:15.239 --> 00:37:19.239
our business did take off. We're always accessible and available.

640
00:37:19.880 --> 00:37:21.320
If you don't get a hold of me, you can

641
00:37:21.320 --> 00:37:23.519
get a hold of one of my agents or my

642
00:37:23.599 --> 00:37:28.320
office administrator. But we're always available. We call back as

643
00:37:28.679 --> 00:37:32.800
quickly as we can. We become your advocate for the

644
00:37:32.800 --> 00:37:36.480
insurance carriers. If you come into a tough spot where

645
00:37:36.760 --> 00:37:40.119
you need some help, you get bills that you don't understand,

646
00:37:40.519 --> 00:37:43.320
those kind of things, were there as your advocate and

647
00:37:44.320 --> 00:37:50.239
to help you through that whole process. So so that's

648
00:37:50.280 --> 00:37:53.039
a little bit about myself and how I came into

649
00:37:53.039 --> 00:37:57.360
this business. I'm excited about the show and what it's

650
00:37:57.400 --> 00:38:00.239
going to be able to provide for for all our clients.

651
00:38:00.519 --> 00:38:04.519
You know, obviously there's gonna be different audiences that this

652
00:38:05.400 --> 00:38:09.960
connects with. We will connect with our clients, We'll connect

653
00:38:10.000 --> 00:38:16.360
with prospects, We'll connect with families with seniors. We'll be

654
00:38:16.400 --> 00:38:19.800
connecting with agents across the board who want some more

655
00:38:19.840 --> 00:38:25.079
resources and help. Already just got a comment here, Like

656
00:38:25.119 --> 00:38:28.119
I said, we are live, so you know, I want

657
00:38:28.159 --> 00:38:37.159
to be able to respond back to these questions. So

658
00:38:37.199 --> 00:38:40.519
I already have someone who wants to give our number

659
00:38:40.599 --> 00:38:44.039
for insurance for some help. So I appreciate that just

660
00:38:44.079 --> 00:38:47.159
by listening in they have a friend that they want

661
00:38:47.159 --> 00:38:49.880
to refer us out to. So thank you so much

662
00:38:49.920 --> 00:38:54.679
for that. We will definitely reach out to them. So

663
00:38:56.000 --> 00:38:58.440
the uh, the other thing I want to share too

664
00:38:58.599 --> 00:39:01.400
is just kind of our family life. We are very

665
00:39:01.400 --> 00:39:05.079
supportive of our local community. You know, our kids go

666
00:39:05.119 --> 00:39:09.679
to local schools here on Chino Chino Hills, and I've

667
00:39:09.719 --> 00:39:12.519
been a part of the Chamber of Commerce for several years.

668
00:39:13.159 --> 00:39:16.880
I was an ambassador with them. I'm actually looking to

669
00:39:18.159 --> 00:39:20.840
meet with the president of the Chamber and get more

670
00:39:20.920 --> 00:39:23.519
involved again with the Chamber of Commerce in the in

671
00:39:23.559 --> 00:39:27.599
the coming year. So looking forward to that. We always

672
00:39:27.639 --> 00:39:32.320
get back financially as well to our local schools and

673
00:39:32.400 --> 00:39:35.880
small businesses, and so this is another forum for us

674
00:39:35.920 --> 00:39:38.599
to be able to support small businesses in our area,

675
00:39:39.880 --> 00:39:42.119
to have them come on as sponsors, to be able

676
00:39:42.159 --> 00:39:48.360
to share their story, share their information, refutable companies that

677
00:39:48.400 --> 00:39:51.719
we work with directly or indirectly that we want them

678
00:39:51.760 --> 00:39:55.159
to be resources for you guys. And so one of

679
00:39:55.239 --> 00:39:58.280
the sponsors that I forgot to mention is Roses say

680
00:39:58.519 --> 00:40:02.960
they are an amazing company here in Chino, and uh,

681
00:40:03.039 --> 00:40:06.400
they are one of the most unique floorists out there.

682
00:40:08.280 --> 00:40:10.239
You'll have to when they come on, I'll show you

683
00:40:10.360 --> 00:40:13.000
kind of what they do with their flowers. But they

684
00:40:13.039 --> 00:40:16.039
actually put images on their flowers. They can put words

685
00:40:16.039 --> 00:40:19.239
on the flowers. I've never seen any other forest company

686
00:40:19.320 --> 00:40:22.159
doing that. And so UH they've been around for for

687
00:40:22.239 --> 00:40:25.960
several years. And so Rose Study is one of my

688
00:40:26.000 --> 00:40:29.480
good friends, and she's helping sponsor our show as well.

689
00:40:29.599 --> 00:40:32.719
So I'm thankful for her and her information will be

690
00:40:32.760 --> 00:40:38.559
coming on UH in the next few weeks. So that's

691
00:40:38.719 --> 00:40:42.480
a little bit about kind of myself. I do want

692
00:40:42.519 --> 00:40:46.000
to also share that, you know, I coach from time

693
00:40:46.079 --> 00:40:49.920
to time my son's basketball team. We just had our

694
00:40:50.000 --> 00:40:55.480
season these last few months. We you know, I've I've

695
00:40:55.480 --> 00:41:01.519
been involved with volunteering with my daughter a different programs

696
00:41:01.519 --> 00:41:06.480
and different charities. Obviously she has to get service hours,

697
00:41:06.480 --> 00:41:09.000
but she definitely has a servant's heart as well. Bless

698
00:41:09.039 --> 00:41:12.719
her heart and loves to help people. And she's also

699
00:41:12.840 --> 00:41:16.760
helped us with our agency in sending out postcards and whatnot.

700
00:41:16.880 --> 00:41:23.199
So she's been an awesome assistant. So and then, like

701
00:41:23.239 --> 00:41:26.159
I said, my wife is a social worker for the

702
00:41:26.199 --> 00:41:29.960
State of California. She's been doing that for thirteen years,

703
00:41:31.199 --> 00:41:33.960
and she feels that she has a calling for that,

704
00:41:34.440 --> 00:41:39.079
loves her job, loves everything that she does, and has

705
00:41:39.280 --> 00:41:43.000
you know, a real heart for helping folks as well.

706
00:41:43.079 --> 00:41:46.840
So that's kind of our whole synopsis of our family.

707
00:41:47.199 --> 00:41:49.039
So I hope that gives you a little bit of

708
00:41:49.079 --> 00:41:53.880
an insight into what we do and what we're about. Again,

709
00:41:54.960 --> 00:41:58.719
you can find our information on our website Josephinsurance Broker

710
00:41:58.840 --> 00:42:03.360
dot com. We do have a live chat on our website,

711
00:42:03.440 --> 00:42:06.519
so if you know you have a question, you can

712
00:42:06.599 --> 00:42:10.119
just pop it into the chat and we'll respond back

713
00:42:10.159 --> 00:42:14.840
pretty quickly. Are My email is Peter at josephit churancebroker

714
00:42:14.880 --> 00:42:17.639
dot com. You can always call. You can even call

715
00:42:17.760 --> 00:42:20.519
during the show. We will pick up and if you

716
00:42:20.559 --> 00:42:24.320
have any questions for us, we will answer those. Again.

717
00:42:24.360 --> 00:42:26.199
You can go on our Facebook live as well as

718
00:42:26.199 --> 00:42:31.960
our YouTube live channels and drop a comment in there

719
00:42:32.000 --> 00:42:35.920
and we'll respond back as well. And then our our

720
00:42:35.960 --> 00:42:39.079
direct line is nine O nine two one seven two

721
00:42:39.119 --> 00:42:45.159
six three zero. So I'm gonna just dive into back

722
00:42:45.199 --> 00:42:47.760
into what we were talking about with the parts A, B, C,

723
00:42:47.960 --> 00:42:51.920
and D. There is another letter, a couple of letters

724
00:42:51.920 --> 00:42:55.199
that I don't want to confuse you guys, but there

725
00:42:55.360 --> 00:42:59.159
is letters with the supplement side of things too, So

726
00:43:00.840 --> 00:43:04.199
there's letters like g asn't good and as in Nancy.

727
00:43:04.800 --> 00:43:08.079
We'll dive into Medicare supplements next week and talk about

728
00:43:08.119 --> 00:43:12.360
the differences between that and the Medicare Advantage space. But

729
00:43:13.320 --> 00:43:18.440
just hopefully you'll you'll understand a little bit better as

730
00:43:18.480 --> 00:43:22.039
the weeks go on about what Medicare is and how

731
00:43:22.079 --> 00:43:25.599
to enroll. I'm going to touch a little bit since

732
00:43:25.599 --> 00:43:29.159
we have a few more minutes about how to enroll

733
00:43:29.239 --> 00:43:35.760
into Medicare. You know, with Medicare, there is an enrollment

734
00:43:35.800 --> 00:43:39.719
period and so you know a lot of people ask me, well,

735
00:43:40.239 --> 00:43:42.800
you know, when I collect Social Security, do not automatically

736
00:43:42.840 --> 00:43:46.400
get enrolled into Medicare. You do, But if you're not

737
00:43:46.440 --> 00:43:49.519
collecting social Security, you're not retiring, you're still working at

738
00:43:49.519 --> 00:43:53.239
your employer, and you're getting health insurance through them, then

739
00:43:53.280 --> 00:43:57.840
Medicare isn't automatic and you actually have to sign up

740
00:43:57.880 --> 00:43:59.960
for it, and it gets a little bit more complicated.

741
00:44:00.519 --> 00:44:04.320
So let me kind of just briefly talk about a

742
00:44:04.360 --> 00:44:09.440
couple of windows that happen. You know, after your employment ends,

743
00:44:09.480 --> 00:44:13.400
you have an eight month window to enroll into Medicare

744
00:44:13.840 --> 00:44:17.920
Parts A and B. Now here's what's really confusing, and

745
00:44:18.199 --> 00:44:20.199
we've gotten our you know, some of our clients have

746
00:44:20.239 --> 00:44:24.239
gotten into hot water with this unfortunately because they don't

747
00:44:24.320 --> 00:44:28.000
understand that Part D is in dog for prescriptions only

748
00:44:28.039 --> 00:44:31.960
has a sixty three day window. So what happens if

749
00:44:31.960 --> 00:44:36.440
you pass those windows you get penalized for life, unbelievably.

750
00:44:36.480 --> 00:44:38.880
So it's it's kind of weird how the government has

751
00:44:38.920 --> 00:44:41.440
set that up, but that's the way it is. And

752
00:44:41.519 --> 00:44:43.480
so you want to make sure you sign up for

753
00:44:43.519 --> 00:44:49.280
Medicare when you are eligible. So, like I said, there's

754
00:44:49.280 --> 00:44:52.719
an eight month window after you've left your employer health plan,

755
00:44:53.599 --> 00:44:56.880
but there's only sixty three days to get onto a

756
00:44:56.920 --> 00:45:00.239
Part D plan. So that's where you know, when you're

757
00:45:00.280 --> 00:45:02.440
getting close to leading your employer, you want to get

758
00:45:02.480 --> 00:45:07.119
with an agent like myself so that you're well aware

759
00:45:07.280 --> 00:45:11.400
and you can plan ahead with you know what you

760
00:45:11.480 --> 00:45:17.159
need to enroll in. Actually, so the Part D penalty

761
00:45:17.239 --> 00:45:20.639
isn't as steep as the Part B as in boy penalty.

762
00:45:21.000 --> 00:45:25.119
Part D penalty, you know, it could be about I

763
00:45:25.159 --> 00:45:28.280
think it's like there's a mathematical equation will go over,

764
00:45:28.360 --> 00:45:33.920
but it's about thirty two cents a month penalty, and

765
00:45:33.960 --> 00:45:37.000
that adds up, obviously, and that's for lifetime. For Part B,

766
00:45:37.239 --> 00:45:40.679
the late enrollment penalty is ten percent a year for

767
00:45:40.840 --> 00:45:44.079
life of the premium. So you're thinking ten percent, well,

768
00:45:44.159 --> 00:45:46.280
ten percent of you know, you're paying two hundred and

769
00:45:46.320 --> 00:45:48.920
two dollars a month for Medicare Part B, get to

770
00:45:48.920 --> 00:45:51.559
pay on top of that ten percent of that, So

771
00:45:51.599 --> 00:45:55.039
that's another you know what, twenty dollars that you would

772
00:45:55.079 --> 00:46:01.199
have to pay for the lifetime of of that. Not

773
00:46:01.239 --> 00:46:03.639
twenty dollars, sorry, ten percent of the two of two

774
00:46:04.079 --> 00:46:07.760
is what you'd have to pay for the lifetime of

775
00:46:07.800 --> 00:46:09.639
your premiums. And so you don't want to get into

776
00:46:09.679 --> 00:46:12.199
that space. You want to make sure that you're in

777
00:46:12.239 --> 00:46:15.360
a place where you're not getting penalized and you're paying

778
00:46:15.360 --> 00:46:20.559
what you're supposed to be paying. So the most important

779
00:46:20.599 --> 00:46:23.199
thing though about all this when you're leaving the employer

780
00:46:23.639 --> 00:46:25.440
is that a lot of times an employer will put

781
00:46:25.480 --> 00:46:30.440
you on a COBRA plan and we'll offer you COBRA. Well,

782
00:46:30.480 --> 00:46:34.760
Cobra is not considered credible coverage by Medicare. So if

783
00:46:34.800 --> 00:46:37.559
you're on COBRA and you're pass that eight month window

784
00:46:37.880 --> 00:46:39.920
and then you try to sign up for Medicare, you

785
00:46:39.960 --> 00:46:44.079
will still be penalized. So keep that aware and in

786
00:46:44.119 --> 00:46:48.599
your minds that Cobra is not credible coverage with Medicare.

787
00:46:49.079 --> 00:46:52.320
So if you are currently on Cobra and you're still

788
00:46:52.360 --> 00:46:55.039
within that eight month window, please see me or another

789
00:46:55.119 --> 00:46:58.960
reputable agent to get you signed up for Medicare so

790
00:46:59.000 --> 00:47:01.840
you don't get that penalty. All right. While we are

791
00:47:01.840 --> 00:47:06.119
getting close to closing time here it is two minutes

792
00:47:06.239 --> 00:47:09.360
to the end of our show, I want to thank

793
00:47:09.400 --> 00:47:13.400
you Andrew again for coming on our inaugural show. We're

794
00:47:13.400 --> 00:47:17.639
going to have great speakers and guests and sponsors in

795
00:47:17.679 --> 00:47:21.960
the coming weeks. We hope that you will definitely join

796
00:47:22.079 --> 00:47:26.079
us this following week. We are on every Tuesday, nine

797
00:47:26.079 --> 00:47:29.119
am Pacific time live. You can also listen to us

798
00:47:29.159 --> 00:47:32.400
on K four HD radio dot com. There is an

799
00:47:32.480 --> 00:47:36.239
app that you can download on your smartphones. So I

800
00:47:36.360 --> 00:47:41.920
encourage you guys to listen in. And we are excited

801
00:47:41.960 --> 00:47:44.880
about the potential of this show and we hope that

802
00:47:44.920 --> 00:47:48.639
we help thousands of more clients. We have a client

803
00:47:48.639 --> 00:47:53.079
base already of one thousand and fifty. We hope to

804
00:47:53.119 --> 00:47:55.360
double that in the next couple of years, and so

805
00:47:55.840 --> 00:47:58.079
we hope this is another way that we can bring

806
00:47:58.119 --> 00:48:01.280
on more clients where this help information for all of

807
00:48:01.320 --> 00:48:06.639
you guys, again, thank you for joining us and for listening,

808
00:48:07.199 --> 00:48:10.920
and we appreciate all of you, whether you're a current

809
00:48:10.960 --> 00:48:15.280
client of Prospect, an agent, small business that we work with,

810
00:48:15.639 --> 00:48:19.639
thank you for listening in and we medicare.

811
00:48:20.719 --> 00:48:24.599
Thanks for listening. Tune into Medicare Hour and More with

812
00:48:24.719 --> 00:48:28.719
Peter every Tuesday at nine am Pacific time right here

813
00:48:28.760 --> 00:48:33.880
on KHD Radio at kfohd dot com for more real

814
00:48:33.920 --> 00:48:38.719
life stories from experts who medicare about you and protecting

815
00:48:38.800 --> 00:48:43.360
your health, your finances, and your future. See you next week.