MediGap Secrets That Can Save Your Life!
The hosts cover crucial topics, such as how and when to apply for Medicare, differences between Medicare Advantage (Part C) and Medigap plans, prescription drug coverage, and state-specific insurance details. They emphasize the importance of consulting knowledgeable brokers, avoiding phone scams, and thoroughly understanding plan benefits and costs. The episode also touches on early retirement eligibility, Social Security disability (SSD), and the nuances of enrolling in Medicare Advantage plans, including during Open Enrollment Periods. Viewers are encouraged to engage further via various online platforms and reach out for personalized advice through free consultations.
Transcript
DAREAL EP3
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Santiago: [:Santiago: Um, and we hope you understand that, um, we don't know everything, but we'll try to, we, we will answer them to the best of our abilities. And if you wanna reach out, um, any further information, you can always go to my website@medicareprofessionalsusa.com or reach out to Juan Kaber. Website. Oh, the health insurance store.com.
t. Um, you can also reach us [:Santiago: So thank you and welcome in again. And like we said, there's no holes Barr here. We are not filtered. Um, we will give you, we will give you the answers unfiltered. And you know, we'll go from there. So ask the first one.
Vinny: Ask away our first question. How and when do you apply for Medicare? You gonna
Santiago: go? That's you.
y make sure before you tell, [:Santiago: Agreed, agreed. Anything you
Juan: wanna add? Uh, just to remember, just to reidify and remind everyone that Medicare is a entitlement, everyone who has worked in the United States 10 years. 40 quarters a quarter is three months. So 40 of those, um, 40 quarters or 10 years is entitled to Medicare regardless of income or wealth.
tually walk into your social [:Santiago: That is not true. You must apply. Um, when, uh, also how we would apply. We will be putting some information during the podcast. You'll see ways to go into the Social Security administration website. So it's and apply ss yes.gov. ss.gov. It would require a login and a password. And then you could go through it.
Santiago: Um, if you need assistance. Myself or Juan would be glad to assist you no matter where you are, what state we are. You can give us a call, you can reach us on a website. We have AI on our website, so it will, uh, you can set up a date and a time for us to call you, or we could do it by Zoom, um, or Google, whichever way, uh, you would be most comfortable.
Santiago: Our, our [:Juan: New York, New Jersey, Connecticut, Pennsylvania, and Florida.
Santiago: Yes. So in those states, if you want us to help you, uh, I mean we're gonna get to the part, the part C plans and the Medigap, if you want us to help you, um, in order to, not to to apply, but to find a a specific plan. We, any broker that can help you or anywhere needs to be licensed in the state you live, Medicare and carriers are state by state plan.
state are different. Nobody, [:Juan: Yeah. And just to reidify on that, um, to make a correction, I said ss.gov, it's social security, uh, dot gov ssa.gov, ssa.gov. Thank you. Be honest here. Um, a as Santiago pointed out, um, the different plans, regional plans that are different from state to state, you can make that comparison in terms of what is offered in your particular state and narrowed down to your county@medicare.gov.
York to the plants that are [:Juan: Mm-hmm. Maryland, uh, uh,
Santiago: uh, Philadelphia, wherever each state is totally different. Please
Juan: do your research. Yes. Before applying for a plan, don't take for granted that the plan that you had in New York is available in Florida or in Pennsylvania, or in Connecticut for that matter. They will not be the same.
Santiago: And let's make this clear. Medicaid, if you have Medicaid, it does not travel state to state. No. There are different FPLs in each state that have to be met in order for you to get Medicaid in a different state. So if you have Medicaid in New York and you decide to move to Florida, um, it's not necessarily automatic that you will receive Medicaid to cover you in a different state.
Santiago: Medicaid does not travel state to state Medicare does. Medicaid does not. And FPL
overty level. Uh, it is that [:Juan: Mm-hmm. Whether you qualify as a Quimbee B or qi, which stands for Qualified Individuals or
Santiago: QMB plus Q plus, which is a lot of what a lot of the carriers in New York State are requiring in order to get a full, what we call dual snip plan. But we'll get to that. And
Juan: we're getting a lot of those. We're gonna, we're gonna receive a lot of questions about the, uh, the, uh, Medicaid classifications.
Juan: Yes. Um, and we, we will take those questions as they come in because again, they do vary state by state. Um, so those changes, um, we, we will definitely be able to speak about New York and Yes. And New Jersey. New York and New Jersey and
Santiago: NPA Penny p. Uh, so we definitely, um, we definitely are, are able to answer the questions in the states we are licensed in.
hat person will be reputable [:Santiago: I can't say, um, one other, one other thing I wanted to clear up. We are in what's called open enrollment period. So now I know a lot of seniors are getting those phone calls. Yes. Um, about extra benefits. Um, remember once again, extra benefits are state to state. So if somebody calls you and you get on the phone with them and they'll ask you, uh, they're offering you a $590 food card with just your, just for your, just with Medicare, um, be weary because remember one, some of those plans do not work in your state.
whether they are a licensed, [:Santiago: Licensed agent, and, and what carriers can they offer you. Those are specific, detailed questions. If they cannot tell you that they are licensed, or I would, I would even ask you to ask them, what is your national producer number? If they cannot tell you they have a national producer number, that person is not licensed, remove yourself from that conversation and move on.
Santiago: I'd
Juan: also like to point out that a lot of these people that, uh, are calling nowadays, and I don't mean to bash anyone, um, because that's not my way, but however you do want to take into consideration that experience, like everything else's a big factor in terms of where you get and how you get your knowledge.
of these, um, a lot of these [:Juan: Really aren't versed in every single plant. Mm-hmm. Hey, look, we work in these certain states, New York, New Jersey, Pennsylvania, um, Connecticut, Connecticut and Florida. And sometimes the plans kind of, they intermix and we wind up talking about a Florida plan while we're in New York because we also get confused, Hey, we're human, right?
Juan: Um, but it takes a certain amount of experience to really talk in depth and to these plans.
Santiago: Yes. And, and, and I would say, you know, just piggyback on that, um. It's very important that the person you speak to, if they're, if you're, it's knowledgeable. Right? It's knowledgeable. And, and they should be telling you right as they talking to you that you are being recorded.
Santiago: Exactly. Um, that is a official state rule, uh, country rule. Right? That if they are talking to you on the phone about your Medicare coverage, that they, they should mention right away that this phone call is being recorded and then be weary if they are recording you and they say they are. If you say yes.
your change could possibly, [:Juan: because they, you know, a lot of these people don't know who they're calling. I mean, God forbid they get somebody like me and I, I'm going to drill. Oh yeah. I have, you know, and I'm not gonna tell you that I'm an insurance broker, that I know more about you than the plan, but first sign of hum hum hum.
Juan: You're
Santiago: gone. I get a, I get that. I get, I still get that and I'm like, you know, I'll ask him right away. You know, I ask them the questions. I just said like, oh, so you're a licensed, uh, you're a licensed, uh, insurance broker. Sure. What is your national producer number? And they're like, why are you asking me that?
Santiago: I was like, because maybe I am too. Yeah. Um, I like to come out in left field. Oh yeah.
Juan: Tell me
Santiago: what
Juan: the OTC card is in, in this state. Saskatchewan,
Juan: too late.
what's the, what's the how? [:Santiago: If, if, if I decide that I wanna sign up for a plan, um, what is the maximum out-of-pocket cost for my meds Now, but remember San, and they can't answer those questions, but
Juan: remember a lot of them on the timeframe before. Yeah. You know, like their supervisor comes out and tells 'em, okay, daddy, you spend too much time with this client.
Juan: Get, oh, excuse me, sir. We'll send you the, the, the summary of benefits if you can go through that and that'll explain everything. Let me speak to your commander. He, I know he's sitting right there next to you.
Santiago: And, and I always tell all my clients, that's the first question. What are the, you know, um, if they say, oh, all right, well, this plan is good for you.
Santiago: Well, um, what's the summary of benefits? Tell me about it. Before you, before you. But remember that first. Yes, that's it. Could be it. That's it. All right. Uh, go ahead. Next question.
Vinny: I'm gonna pause there.
Santiago: Oh, they didn't hear you say, oh, I think we can edit it out. Yeah, we didn't curse in the, we didn't curse in the fi first six minutes.
tiago: Did we? World record? [:Juan: Not for children.
Juan: These assholes. These, they're cussing. All right, cool. We're back. Let me,
Santiago: all right, so next question.
Santiago: Next, next question. Go ahead. Next
Vinny: question. What's the difference between Medigap and part C? Oh, that's all you brother.
Santiago: Uh, I'll start it and then you, you just piggyback. Okay. All right. So part C, uh, remember Medicare, uh, when you get your Medicare card, your A and B is on there, right? A is hospital, B is medical.
th you, um, once we meet you.[:Santiago: Um, part C, so part C, we're talking about Medicare Advantage. Um, Medicare Advantage has different, has different. Kinds of Medicare advantage. There's HMOs, uh, HMOs are specifically health maintenance organizations. Where, where if, if that's the plan, you accept, you, you rest assured you gotta make sure that all your doctors are in that network or you, it's a gated plan.
Santiago: Yeah, it's a gated plan. You ha you are gated and you cannot go anywhere outside of the limits of that plan's, uh, network. You, you have to stay within that network. Yes. Uh, PPOs, which is my preferred and that's why it's called what? Preferred Partner. Preferred Provider Organization. Right. And the reason why I like those is because it allows you to go in and outta network.
Santiago: Right. It also, uh, will provide dental, uh, most, uh, Medicare Advantage plans will provide you with dental, vision, hearing, um, and a and of course the free gym membership with Silver Sneakers. Okay. Um, some of them will give you transportation. It depends on the carrier you choose. To give you all those extra benefits.
Santiago: Um, but I'm [:Santiago: Exactly. Um, by PDF, um, why I send them the formulary is because that is your prescription drug, your, that all your pre prescription drugs and it's tiered. What do we say by tiered Tier one, tier tier two are generics, preferred generics, which are minimum cost, but once you hit tier three. Um, we are talking about brand name specific drugs, Januvia's and yo Ozempic, and your semi ggl.
e able to receive that. Tier [:Santiago: Uh, what else? Gimme another one. Um, Lantis Lantis. Lantis, I think is a three now. He's a lantis. Fell under the three. I'm talking about the fours and the fives. Uh, like your Percocets, I'm gonna make
Juan: it easy. If it's got a, if it's got a commercial on tv, it's probably,
Santiago: if it's an opioid. Things like that, that that is a CDC requirement, right?
Santiago: Your doctor, your doctor will send a message to CDC saying that he is gonna, um, he is advising the carrier that you, you, you need this medication,
Juan: right?
Santiago: Um, usually what they'll give you seven, seven day upfront as prescribed. Right? And they'll give you a seven day step therapy me. Right? And then, um, you would receive your full order after that seven days, right?
ately that have abused those [:Juan: that's why they look, they're given to individuals, uh, in a, in, in a controlled quantity. Right, right now at this point. Yep. Because we've seen the stories.
Juan: Absolutely.
Santiago: Uh, and we know, and you know, me and Juan have worked in the city Sure. So we know the stories. Sure. Um, so be weary. Um, I also would say P-P-P-O-S, there's POS out there. Point of service plan. Point of service plans. Those are so, so EPO exclusive provider plans? Yes. But the most, the most, we write of what the HMO
Juan: p the HMOs, which are the gated.
Juan: And then you have the, the PPOs, the preferred provider organizations. Which, which has in and out the non gated and the gated hmo. Yes. Gated. You have to stay within the network. PPOs. Non gated in-network and out of network, although we spoke about that in the last segment. Yeah. But definitely most people have it.
go outta network, you have a [:Santiago: Right? That is your copay. I don't care what the doctor comes with. Right. It's a $60 copay. Look at my, and I always re I always tell my clients, now carry, uh, and I give it to them. Now, do you I give them a, a pocket do you summary of benefits to carry with them. It's really cool. Cool, cool. That's smart. Yeah, that's really smart because a doc, you know, you could pull out your summary benefits that pull it out right here.
Santiago: Here it is in my, here it is. Look, look at my summary benefits. You only could charge me 60 bucks. And then once again, and I always go to this and, and I fight with a lot of, uh, I fight with a lot of doctors specialists about this. That's that out-of-pocket cost. It is not required until services rendered to me.
lients now you are a product.[:Santiago: You are a product. So as a, as you, if you act as a product. You know, a product requires that everybody go in and say, oh, well that's the best product, so I'm gonna pay for it. Okay? So that's the way all of you out there in Medicare world should act. If you have, if you are a product, um, you know, act as one, act as one advocate on your behalf and act as a product because believe me, you are one.
Santiago: You don't wanna take it from there.
Juan: I wanted to go back before, um, I just backtrack a little bit. Go ahead. Back and, uh, we're going into the call centers and the person who actually calls you on the phone. So I wanted to reidify that. Unlike when you're seeking insurance at your job and you're speaking to the benefits director, when you are seeking the Part C of your Medicare coverage, it is very important we have to adhere by these rules according to CMS, the Center for Medicare and Medicaid Services.
u about any of the different [:Juan: Mm-hmm. Because seniors Okay. Especially what we call the, uh, the special needs population mm-hmm. Is a vulnerable population. Yes. So they're very, very well protected by CMS. So they really don't want you to go in there and speak to them about health insurance and also about. Life insurance, long-term care, and you have all these sales that you're doing.
Juan: No, no, no. You have to check off that. You are going to speak to them specifically mm-hmm. About Medicare and Prescription drug plan. Yes.
you must tell us about your [:Santiago: We are not. Absolutely not to a, we are not supposed to ask you, what are you taking? You have to, what would we say? What's the word? You, you have to volunteer. You have to volunteer that information, so be careful, right? All right. So I'm just letting all my brokers out there know as well as my Medicare clients.
Santiago: That we are not absolutely not able to ask you. What are you taking? You must, you must give us that information correct. So that we can figure out what your tier is in the formulary, that, of the plan you're choosing. Correct? Correct. Um, and once again. Um, I would ask all my Medicare recipients. When you sign up for a plan, you should get three things from your broker, from your ca, from your agent, whoever you have scope of you, you must fill out the scope of appointment that has to be done.
if somebody's in and out in [:Santiago: It can
Juan: sometimes take longer than that. It can, for the most part, what Santiago's talking about you when your broker, if you are sitting with him or her in their office or at a, uh, at their site, whether it's a drug store or supermarket or whatever they may be. When you leave there, you should. Be well-informed and feel good about the plan that you just selected.
Juan: That's right. Okay. And, and that's, that's what we're trying to get to. Um, that you should feel like, you know what I understand. I have a pretty good grasp and I know that if I, if I forgot something and you know, seniors at, at that age, Hey look, I'm forgetful at the age that I am. Me too. Um, so by the time, you know, they've finished doing their shopping and they, they've picked out the Medicare by the time they get home, some of the stuff that you, you told them may not still be there.
make sure you give 'em your [:Santiago: Reify what we spoke about. If you have, if you have a way, if you have a, um, I know some, well not everybody yet, we are working on it. They might have a app.
Santiago: Uh, some companies, uh, some brokers have apps now, right? Where you can, we would give you, uh, you would be able to download our app and that should have information about, uh, your, it'll have your summary of benefits, your explanation, right? We are not, and I say this right now because I know carriers do get, they get crazy.
Santiago: Uh, we do not have access to your doctor networks. No, we cannot put that on your app. No. Unless we ask you and you decided that that app is worth us having your network so our clients can find their doctors easier from their local brokerage.
Juan: I also wanted to piggyback on something that, go ahead. You said when something that's, it's also very spoken, uh, very important, and we spoke about the different acronyms and the different, whether it's an h hm O or PPO, and I wanted to expand on that.
her it's a dental or whether [:Juan: Mm-hmm. They will be charging you the negotiated rate, which they have negotiated with the insurance company. Just on the summary, your benefits summary, your benefits. They cannot charge you the out of network benefit, the out of network charge. That doesn't work that way. They have negotiated these rates with the insurance companies, and that's what they have to accept.
Juan: If they are not part of that network, then they will charge the out of network,
ause you are out of network, [:Santiago: Right? But that's what, if you look at a lot of summary of benefits for that, for the PPOs, it does have for certain things, 40%, 40%, uh, out-of-pocket costs. Right. Which I'm gonna say. Like this? We don't know. We don't know what that 40% is. I have no idea. It could be, it could be a number of things there, but we don't, I do research, but if you come to me and say, and I come to you wanna and say, well, if I do this, how much is that?
Santiago: 40%. I have no idea. So it, it could be, yeah, it could be a number. It's a number. Like I can't put that on a scale. I can't say it's gonna be sixty, seventy, a hundred and twenty. No way we could, we could tell you that, um, you are at the behest of the network, the doctor and the carrier, to determine what that 40% out-of-pocket cost will be.
Santiago: We have no idea. And so I'm being brutally honest, this is the real deal. The real deal. So I'm gonna be real with you. I have no idea what that 40% is. There you go.
rate, go into your doctor's [:Juan: Mm-hmm. So that when you go in there, he tells you, oh, you know what? I'm gonna charge you the out of net or charges you without you even knowing. Mm-hmm. Um, charges you the out of network rate when he is. Yeah. In that network. Yeah. And legally contracted to charge you. And,
Santiago: and that's why carrying that summary of benefits is very important.
Santiago: And I, I, I, I don't require it, but I ask all my clients now to carry that pocket Correct. Summary of benefits. Correct. Um, I can shrink it down for you, however, but it's very important because if you, if you know that your doctor, when, when Santiago or Juan met with you and we proved, and we give you the m and I now give all my clients their the NPI numbers, or each carrier has specific codes.
can you provide me with, uh, [:Santiago: Um, it is not a requirement of us to give it to you, but as a good broker, I would give it to you. Um, if I can add one, it'll takes a minute to get one. It only takes a minute to get there.
Juan: But I also had to add one more thing, which I think that it's important for us to point out here. Do your research in terms of the doctor and their contract status before you go and see them, because they might have been contracted when the insurance company printed out that, um, your, the, the what, the summary, the right, the summary.
Juan: Um. They might have been in the contract, uh, they might have been contracted, but
year Dental comes Less, less [:Santiago: There is something that the, um, the, the carriers must provide at Anoc. The Anoc is the, go ahead. Go over the anoc,
Juan: the annual notice of change. Yes. So this is, um, this is when the insurance companies, every year they have to, um, either take away or put in additional benefits, or the benefits actually change.
Juan: Mm-hmm. Um, this annual notice of change advises they have to send this out to all the individuals who are part of that plan. Mm-hmm. Um, they have to let you know what those changes are. Yes. Um, so that way, you know, whether your copayments changed, uh, your deductibles changed, um, all the changes will be in that summer and I send it to you before the new year
Santiago: and always contact your broker or some, whoever.
Santiago: You have to tell you about those changes that are coming for the next year plans. And, and I'm gonna tell all my Medicare clients out there, all my family. Cha Plans change every year. Every year. One note though, and I I wanted to point out, you network don't change sometimes, but
Juan: [:Juan: Yeah, yeah. I'll give you that. We're gonna mm-hmm. One of the things, and we spoke about annex, the annual notice of change that your insurance company needs to let you know about. Just a quick note in terms of your broker. Your broker can begin speaking to you about those changes October 1st, but they cannot take applications until October 15th.
Santiago: Tell 'em what
Juan: that
Santiago: is. That's the annual enrollment period, period. And then you wanna go, we wanna go to s, we'll go to scps later, annual enrollment period, and we'll get to some other Ss, uh, down the road. Go ahead. Next question.
Vinny: Next question. If you go with Medigap, do you have to pay for a prescription drug plan?
Santiago: Me Gap. Oh, you wanna take that one? Take? No, that's come. No, no, that's you brother, that you, alright. So Medi gap slash supplement plans are, I call them the letter plans. Yes. Um, there are, there are, uh, about what three or four carriers that, that have those kind of plans. Right? We, we all know a RP by state. A RP.
ate, those. Florida has more [:Santiago: A RP is the what does it do? It, it it, it's the rapper. It, it's like, it, it's little gibb that they put out. They like, they rate United Healthcare, right?
Juan: We go ahead. Let's curse. No, no, no. Let's not beat up a rrp.
Santiago: Uh, no, I'm not beating up a rrp. I just wanna alleviate people's confusion. They just don't sell insurance.
Santiago: I just wanna alleviate all the con or I just want to, you know, get the misinformed informed. A RP is not your supplement plan. UnitedHealthcare is your supplement plan. If confusion, look at whose name is first on the card. Oh yeah. And it says, United Healthcare. A RP endorsed, endorsed by A A RP. Um, now there are other ones out there.
ou wanna go with a letter, f [: for an F if you are not, uh,:Santiago: Right? And, and what I tell them is, yes it does, but that's why your premium is higher. Ah, why? Because they take into account that they're paying the 180 4 for you. So guess what? Let's add it onto the price of the premium so we get our money back. So I always tell her, you, you're letting out all the insurance.
letting out all the, all the [:Santiago: F plan.
Juan: Yes. People, the insurance companies are in the business making money, making money, mock
Santiago: making money. So just because they're paying it for you doesn't mean they really aren't paying it for you. It someplace else. Because you getting it. You might get it from here. You know, you get it from the backside.
Santiago: There you go. Without them telling you the truth. And that is the truth. Do you agree? This is the truth. All right, so now, um, the F is the ultimate. That's the Cadillac. That's the, that's the Mercedes. That's the Mercedes. That's the, that's the whatever. If you, um, and I always tell people, if you're gonna get a Medigap plan, and I think you'll agree to this.
nosis of, of illness. Right. [:Juan: you
Santiago: know, unless you, it has
Juan: to be, it has to be, it has to make sense. One, it's gotta make sense for you. It's gotta be cost effective. Yes. Because if you take a look at Part C, you don't wanna get a supplement that all those services are covered by your Part C and it costs you a whole hell of a lot less.
Juan: Yep. Buy it accordingly to what you need. Your finance. Finance and your finances. And your
Santiago: finances. Absolutely. 'cause I would say a lot of people that I, that I run into say they have, you know, a Medigap plan, but they're not losing, they're not really using it to its capacity. They're not. They're not.
Santiago: They're not. Um, yes, yes it does. Um, and I'm gonna say this 'cause I had to, I had, I, I, I had this happen to me. Not every Medi GA plan from a carrier is accepted in every place. No, I just found that out the other day. No. So make sure if you decide to go on a medi GA plan, do your research, contact your doctor, make sure that if you're getting a surgery somewhere or wherever that the reason you got the MedDi ga plan.
ive research. They will. And [:Santiago: You pay for that in your premium.
Juan: There you go.
Santiago: Right now it to me, if you're not seeing, you know, if you're paying four or $500 a month for a Medi Gap plan, to me, you should be seeing four to five to six doctors a month. You should have, and that's why you bought that. That's why you bought it. Because if not, if you're seeing, like I had people come up to me and say, oh, I got this F plan.
Santiago: I'm paying $500 a month, but I only see my doctor twice a year. Like, what are you doing? What are you doing? It. I mean, I would say, you know, let's be real. Give that to me and I'll give it to you in a minute. There you go. I'll put you in a, I'll put you in a part C, uh, uh, uh, uh, a Medicare Advantage plan. You can pay me the other $400.
Santiago: You give it to me, right? Um, the benefits must outweigh
Juan: the cost. Yes. At the end of the day, I would agree.
Santiago: You,
on't care. The benefits must [:Santiago: Yes. It, it has to work for you.
Santiago: Right. And the other thing is, you know, um, with those plans, you do not. Get dental, you do not get vision, you do not get hearing, and you are not covered for prescription drugs.
Juan: And I, I have to ask you this ahead 'cause I know that you sell a lot of these plants. I don't sell,
Santiago: I give options that Oh,
Juan: he gives options.
Juan: I give options. Okay. So back to the options. I don't solicit, that sounds very bougie by the way. These options that you give. Yes. So normally what plan do you wouldn't, what is the, the normal me plan? Yeah. That you, which letter is the one that you sell or you find the most common? I always, I
Santiago: always base it on their finances.
uld say go with what we call [:Santiago: It's only $112 a month and the, the deductible is usually between 2,420 $800. Okay. Where you are gonna reach that quick if you're seeing six to seven doctors a month. Absolutely. Um, and it's, it's a lot less, it's a lot less, uh, out of pocket. The biggest thing I find, like with the, with the GS and the Ns, because they are pretty expensive, is if I'm gonna put you in one of those, um, once again, we're gonna determine like, does your ca does your provider, everybody accept the carrier that you need to have?
, you could be, you could be [:Santiago: Because you've been diagnosed with cancer, but your doctor is, if it's a 50 50 shot or maybe less than that, I would say let's, let's put you in, um, A GOF plus high deductible, right? Because if you end up with radio, if you end up being radiological, uh, and you have to, it requires you to go do chemo, that $2,400 will be met quick and you'll only have $112 a month to pay.
n you see a doc, I think it's: arriers that that have those [:Santiago: You might not need, I mean, an A, but I think the A has, uh, it covers hospital, it covers doctors, specialists, a little bit of hospital, some blood work. You might not require a full medi gat plant if, if your, if your mind is set, you want a full medi gap plan. You know, if, if, if it's Juan or me, we're gonna give you what you want.
Santiago: We're not gonna, we're not gonna try to change your mind, um, you know, without endorsing any
Juan: particular insurance company. Or, or, or. Signaling out any, any carrier. Any carrier. Well, we have to, but yeah. What would be, uh, some of the top tier carriers that carry when it comes to the gaps? Right.
Santiago: I would say, of course, uh, UHCI would, I would go, I would go Humana first.
Santiago: Okay. Because they offer the, the high deductibles. Right. And then of course, United Healthcare.
Juan: United Healthcare.
there's, there's like those, [:Juan: endorsing any particular plan in the, we're gonna, uh, uh, full disclosure, do your research Yes.
Juan: On medicare.gov, that is your best source for information about these plans, including, uh, part C. Yes. Um, and the supplement plans, that is your go-to, um, site is medicare.gov and just,
Santiago: and just remember that all, all, once again, as we discussed earlier, not all of them are in every state. Correct. So remember that state specific.
Santiago: Right. Um, those are still state, state specific. Um, if you're a, if you're a traveler, um, and you are, you've been diagnosed, I would say get one of those. Um, if you're a traveler and you don't have any of those issues, I would recommend a PPO. Okay. Right, because it, it covers you in and outta state just in case it'll cover you in and out of the country.
[:Santiago: When it comes Yes, fair exchange. Please tell everybody. Exchange, you are not getting $50,000 in narrows. No, no. And then you're gonna come back and be reimbursed for $50,000. That is not the exchange.
Juan: Great. Down pay zone to happen is not the same as you dollar. And
Santiago: please hold on to all your receipts.
Santiago: Correct. All your receipts must be submitted to the carrier and then the carrier will reimburse you.
Juan: Correct.
Santiago: Those are not So when you, when when somebody tells you you have $50,000 worth of coverage. That does not mean you have $50,000 to spend for, uh, lipo for stuff like that. That is not Word of mouth is not receipt.
n a diagnosis and an, and an [:Juan: emergency. And I'm gonna say this emergency,
Santiago: and I, I, I know me and Juan discussed this before, if anything overseas requires a surgery, right.
Santiago: Um, I would say if you could get back to the stage before you do before that surgery is necessary, I would because. And, and I know people don't want to hear this, but most, most times if you come back and you had a surgery overseas and something happens, right? No doctor, and I'm not gonna say every doctor I'm gonna say, so most doctors will not, will not, will not take care of you.
Santiago: You would end up in the emergency
Juan: room. And I just wanted to reify one last thing. Go ahead. One last thing before Santiago goes further with this. Mm-hmm. If you. Find yourself in Columbia and had a, or did I say Columbia? Uh, in, in, let's say a Latin American country. Latin America, and you had a emergency breast augmentation.
not be covered. Just wanted [:Santiago: that it will not. I've had that experience. If you, if you, if you get a diagnosis of obesity and you decide you wanna have a tummy tuck in Santo Domingo, that is not gonna get covered. Not gonna get covered. That is not gonna get covered.
Santiago: It's no matter how many, so don't think that $50,000 is gonna pay for it. No. Plus, I'm sure the doctor over there is gonna want his money first. So if you come back, you pay that money and you think you're gonna get a reimbursement, um, you're sadly mistaken. And if I'm your broker, please don't call me.
Santiago: 'cause I know I told you this. All right. Um, uh, anything, what, what happens with the, with the, um, the $50,000, uh, reimbursement? It must be diagnosed as a serious injury. I would say if you break a leg. If you break a leg that constitutes, yeah, that co that would be something. Absolutely. And sometimes that will require a surgery overseas.
Santiago: But just remember. Yeah. Um, emergency breast
Juan: augmentation, emergency liposuction. No. Emergency. Uh,
iago: all those, uh, no, no, [:Santiago: And I doubt if any orthopedic or any kind of doctor will actually take that responsibility on because as we know, um, we are all Americans and we know we like to sue. Um, and you know, um, I'm sure doctors are paying a high, high, high price, uh, for insurance now. Well, practice insurance has gotta be one of the most expensive insurance.
take on that responsibility [:Santiago: Open up a can of worms. Yeah, yeah. It's gonna come back to them. Yeah. And there I, I'm, I'm sure there are some doctors that would, that would do that because of their, their own, 'cause they are doctors. Sure. But most doctors would be very weary of taking on that responsibility. Do no harm. Yeah, sure. Uh, hold up, hold up.
Santiago: There was one other thing we wanted to, oh, the prescription drug part of a Medigap plan. Those are side and separate from the Medigap plan. You must, you must. Purchase separate separately from your Medigap plan, A prescription drug plan. Um, I would say, and I think Juan will agree, the higher, the higher the premium, the lower the deductible, the lower the premium, the higher your deductible.
ople will say, oh, well, I'm [:Santiago: I can't really say it's like really one of those gray areas. It is a gray area. People, the gray area. Mm-hmm. I can't say, you know, if you're, if you walk into a pharmacy and they say, oh, your deductible's $590, I need it up front. You know, try to locate another pharmacy. There you go. Right now look elsewhere.
Santiago: Yeah, please. You know, 'cause some, you know, um, it's. Is it a requirement? I mean, it's, but you think you're getting into that again? Yeah. It's come see, come si again, man. Uh, I would just say, let, like, let's find another pharmacy and see, you know, do your due diligence. Absolutely. Do your research before.
rmacy take it, it all in one [:Juan: In your experience, auntie, would you agree that most of the people that are buying supplements are people who are, and I really shouldn't say this, above the federal poverty level?
Juan: Yeah. And it's, what I find is that most of these people are people who are, and I'm gonna use the terminology blue and white collar. Yeah. Um, people who have had, um, uh, uh, who have worked. Mm-hmm. And, and they liked the coverage that they had when they were working.
Yes.
Juan: Um, and it covered a great deal. Um.
Juan: For them in terms of their medical necessities. But now that they're getting a little bit older, they don't qualify for, uh, those same programs that people below the federal poverty level qualify for, such as Medicare, Medicaid, uh, such as Medicaid. Mm-hmm. Um, LIS, extra health, low income subsidy, um, uh, in New Jersey pad or, uh, the, uh, the prescription drug planned.
k and [:Santiago: mainly supplements?
Santiago: I would say most people that take the supplements are, have been diagnosed with, uh, with serious illness. Okay. Or I run into a lot of people that just don't like Medicare Advantage plans. Got it. Or they just don't like that. Medicare Advantage plans have the out of pocket, you know, the, the copays.
Okay.
Santiago: Which I don't understand because, you know, if I, I, if, if. If I only have two doctors a year that I have to see, right. I'd rather pay $60 Right. Than pay $500 a month. No, absolutely. You know, we're talking about 12, what's 12 times five? Yeah, no, we go back, you know, we go back to that and it's gotta make, make sense?
would say find a new friend.[:Santiago: The benefits, I'm just gonna be honest with you, must
Juan: outweigh
Santiago: the cost. Yeah. Must outweigh the cost. Because usually if you're running a G or an N or even an FBB, you know, and you're, and you have a diagnosis where it's gonna require, you know, high, high, uh, high end drugs, right? You're running four or five to $600 a month.
Santiago: Right. Between those two plans. And then if you come to me and say, oh, I got those two, um, you know, I need dental. You're gonna add another, what, two to $300 just for a dental plan. So right there you're pretty much at a thousand dollars a month. Yeah. Right. And you know, if you, if you look at it, it's,
Juan: it's almost a mortgage
Santiago: broker.
Santiago: Yeah. Yeah, those are expensive.
Juan: Yeah,
Santiago: they're expensive. They're, and like I said, um, to me, well, mortgage in some states, the state's not a
Juan: mortgage in New York. I mean, no, and we
Santiago: want to get into that now in new, um, we want to get into state by state for many gap plans. There are, there are what we call guarantee issue states.
we call underwritten states, [:Juan: tiered. You, you right, you get underwritten. So in, in the, in an instance where guaranteed, guaranteed issue is Yep, no, you can have a foot in a grave and you're gonna get it.
Juan: That's basically what it means. Underwritten plans, certain factors, your health comes into consideration. Yes. Before they give you, uh, that plan. And if your health is in a certain way, then you are going to get rated, which means that the, uh, the price that normal healthy people or the community rated, uh, rate will not apply to.
Juan: You'll be an elevated rate. And believe me, they know.
Santiago: They know they'll, they, they, they know, they, they have access to your mental information. Right. Because there are, there are questions on there like, do you smoke? Right. Are you beast? And you lie about
Juan: those.
Santiago: Yeah. Yeah. Even if you lie about those, you're gonna get rated.
Santiago: Um, I've seen, I've seen people rated in specific states. What, what would it be? A two?
Juan: Yeah.
ll automatically go to the f [:Juan: The rate's normally double on those things, man. Double, triple. It's, it's cra it's crazy. Um, but it's like car insurance.
Juan: I mean, this is really, and keeping it real. Yes. This is really a, another one of those, um, those situations where the insurance companies are taking advantage Yeah. Of a certain situation. Mm-hmm. Um. You know, I spoke about car insurance before and how they take advantage of, um, you know, well, everybody in your state, people in your state are crazy drivers and you know, that's why the rate's so high.
Juan: But, but I'm not a crazy driver. Whoa. Gimme a break here. Right? Um, but this is one of those situations where your health does become a factor. Um, unfortunately,
Santiago: and we're gonna give you a little bit of information. Um, we're not saying this is definitive as koe. Like, people always ask me, you know, if I'm in a Medicare Advantage plan, is there any time during I could switch up to a, uh, Medigap plan just because I need a surgery or something like that?
Juan: Okay.
ntiago: And I would say. Be, [:Juan: Do
Santiago: your research. Do your research, talk to your broker. Research. Do your research. I'm not gonna say yes or no. No, no, no, no. I'm gonna say talk to, talk to, uh, do your research. Talk to your broker. Speak to your broker. To your broker. Your broker might
Juan: get a little creative, my know how to certain finagle, circumvent, and finagle.
Juan: I'm gonna use that word and search for a better word. Ality. Is that a word? Fin. Let's, let's stay with finagle and search for a better word.
Santiago: Um, yeah. But, but just remember caution, caution. Um, let's be cautioned with that. Sure. Um, because, you know, um. You know, the plan might not be entirely successful, right.
Santiago: Exactly. The application might, might right. Not go through. There you go. Uh, it, like I said, talk to your broker. Don't, and remember that. Don't talk to your friends, please. No, your friends are not licensed brokers. Your friends should be, and your friends only know about their situation. Not choice, but
at your, your last source of [:Juan: Mm-hmm. About Medicare. Um, unless your friend is a licensed real estate, um, real estate, uh, uh, licensed a licensed insurance broker, insurance broker, um, or, um, you know, somebody who works for a particular carrier and knows the benefits really well.
Santiago: And, and usually, like we said on the last one, you can find a licensed insurance broker in your town, in your community.
Santiago: And once again, um. Spend the time to find out what they know before you decide to sign up for your, with your local broker or, or call. And I always say this, you know, once you call a carrier, right? That is a, that is a sales person. That person cannot let you go. They, and I always, we say this is they want you to sign up with their, and why, why do they lie?
e a sales quota. So they get [:Santiago: If not, they get fired. And remember, we're lying and remember this. They always are gonna tell. And I always want people that call those phone numbers, the Medicare helpline and stuff like that. They are gonna tell you all the good everything. None of the bad. None of the bad. But
Juan: that's the good thing about being able to tell a story that's right from you and you tell it the way that you want it and include and omit whatever you want.
Santiago: It's your
Juan: story. That's right.
Santiago: You can tell how, and they're on the phone and just remember they're recording you and they should tell you that. And if you say yes, guess what? I, I, I would say 95% you're gonna be in that plan next, next
Juan: month. They might have told you on the phone that their name is Joe, but their real name is Bob.
Santiago: Yeah. Yeah. So, so, you know, it's better to, I would say, you know, if you wanna call them and get information Yes. If they, if they save for that information, you have to, they have to, they need your Medicare number. I would say no and hang up. No, no, no, no, no, no. Um, you should be able to, in your community do, do not
Juan: give any information over the phone.
Juan: Don't but [:Santiago: to stay away from Yes. Uh, just keep saying maybe, uh, maybe, maybe, maybe, maybe. Yes. Is a, is deadly.
Juan: Yeah. Giving out your Medicare information over the phone is like, like speaking to strangers. Not good. Nothing good will come out of that.
Santiago: And if somebody says they're calling you from Medicare, um, let's, let's, let's put it out there.
Santiago: Nobody will ever. Call you from Medicare
Juan: and speak to you directly.
Santiago: That's right. Said that unless you're, no, when you're applying, it's still Social Security. It's not even Medicare. Right? So you, the only way you get
Juan: Medicare is only a one way. You call them. They will not call
Santiago: you or you get a, you get a certifier, usually a certified letter in the mail.
Santiago: If it has to do with your benefits, um, it'll say it's coming from the Social Security Administration, Medicare, um. Now people have been getting this, um, they've been getting new cards with new ID numbers. Correct. Because
Juan: the old cards had your social security number,
Santiago: so No, no, no. Even people recently, even people with old Medicare cards with the digits are getting new Medicare cards with different numbers.
Santiago: That's correct. [:Juan: ones would come with your social security number and as, as a security Yeah.
Juan: Feature what they did, what social, what Medicare did was that the new numbers are now encrypted. Yeah, encrypted. It's a series of letters and numbers. Right.
Santiago: But some people have been getting new encrypted cards. Okay. I, I guess there was some kind of thing at Medicare where some people, uh, I don't know, some people's information was put out there.
Juan: Okay.
Santiago: And they got a new card.
Juan: And again, your best source, and we're gonna say this numerous times during this segment, your best source for information. And I know that I made fun of speaking about the internet as your source for information, but for this particular instance, if you go on the internet, make sure that the site that you are going to is medicare.gov.
Juan: Yes. Okay. Or medicare
Santiago: professionals usa.com.
Juan: Medicare [:Juan: It is a general, remember Medicare is a entitlement. Mm-hmm. Um, and it's from the federal government.
Santiago: And I, I, I wanted to make mention, if you call me, 'cause the name of my company is Medicare professionals. If you call me via Google or you find my number on Google or anything like that, I automatically tell you this is not Medicare.
Santiago: I am a licensed Medicare broker. The name of my company is Medicare Professionals and I will answer any questions that I can, and you have no fee for the consultation. Everything is free. So, um, you know, a lot of people do call me and say, oh, is this Medicare? And I right away I say, no, this is not Medicare.
uestions, you can ask at the [:Juan: and I advise my clients to do this, I, I, I advise my clients to go to the medicare.gov website first and get all the information and then come back to me with the state specific questions.
Juan: Yeah. And there I, I'll be able to help them. So it's like, get the, the baseline in terms of Medicare and then come to me and I'll speak to you about what additional programs are available. Is your income.
Santiago: I, I, I had this question one time. Somebody asked me, are are Medicare insurance brokers or licensed brokers, um, on a list online somewhere?
Santiago: Like, can I find you? We, I don't think so. We are,
Juan: we are on a list online, but that is for the state if you're doing the marketplace, right? Or the a CA. Just to add, we speak about a lot of acronyms. AC Yeah, we're gonna get there. Uh, it, it's, it stands for the Affordable Care Act. Yes. Uh, also known as Obama, Obamacare.
r application. We are listed [:Santiago: not
Juan: listed
Santiago: through Medicare.
Juan: No.
Santiago: So if you try to find me on medicare.gov, you're not gonna find me. No, no. You have to find me by doing a Google search.
Santiago: No. Next question.
Vinny: All right, I think we have time for one last quick one. Okay. Can you apply for Medicare if you take an early retirement?
Juan: You got that one. Um, so this one, it's, it's, we, we get, I get asked this a lot, and so when you talk about retirement, and retirement is kind of like a, um, it's like, it's a, it two way, little bit of misconception about what retirement means.
l security benefits as early [:Juan: Mm-hmm. You will not get Medicare until 65
Santiago: and you don't get your full business unless 67.
Juan: Unless Right. And unless you have, um, you are. Um, disabled. That's the only way you can get 'em before, um, 65. And you, you'll speak to the people. What do you need to get early Medicare, so SD to get, to get ssd? I would say Social Security
Santiago: disability.
Santiago: Social Security disability. Right. Uh, when you first apply, it usually takes around two years. Right. To actually, and a good lawyer. And a good lawyer. Um, and, you know, um, I have, I, I do, I do have a, a person that I work with, a good lawyer and on average that's about, um, you know, for, for a good lawyer to get your Medicare within two years, um, usually it, the cost is around $2,000 and it could go up.
nd well versed in, in, yeah. [:Santiago: Doctors have that. Success rates, doctors have that. Um, very important, you know, um, I always say, if, if you find me on Google, it's because my listing is because of my reviews. It's not because of anything else. It's the reviews that you get from individuals that have come in contact with you and decided, you know, um, to go on and do a review.
Santiago: Um, and that's, that's basically SSD, um, most people, if you get, um, most people, um, according to the state, they'll get SSI before they get SSD. Um, would you say that SSI social supplemental Social Security Insurance, or is that just based on the FPO? Just based on the f Okay. So we won't say it's automatic that you go from SSI to SSD Uh, once again, uh, once you get SSD is not automatic to get Medicare.
tiago: Um, most people just, [:Santiago: Oh, you caught, oh, am I gonna, I, you caught me off guard. I, I, sorry, I was gonna say something. Are you gonna get more, are you gonna get, so if you have SSD, are you gonna get more at six? Are you gonna get more? It's all gonna depend on your, what you paid into it. It'll all depend on when you fully retire and how much you get.
Santiago: You know, just, I, I, I'd say SSD ends at 65. You are not right. SSD will not cover you after 65. You get your full social security benefit. And
Juan: you caught me off card because
Santiago: I wanted to
m, the short term disability [:Juan: But normally short term disability. Policies will start. Um, there's a sick, there's a waiting period. That's usually, uh,
Santiago: you mean for private ones? For private ones. Oh, okay. Okay. Yes, yes. So the good thing about these is that they will
Juan: cover you, and they're very good for, um, uh, women at childbearing ages.
Juan: Mm-hmm. Because they'll cover you from, uh, either the, uh, first week or they start the second week, but they will go for as long as two years. And the reason why they only go for as long as two years is because after two years, the long-term disability. So do your research. Um, there's certain companies, um, out there that offer these plans.
Juan: Uh, there's one of them that, and I won't mention the name, but there's a, a duck involved. They offer, we got somebody coming
Santiago: to describe that soon. But, but I always say with those private plans for, um, for home health attendance and stuff like that. Right. Get it early, because one dude, you will, they, if they find out you are ill Right.
o: You will not be receiving [:Juan: We're, we're gonna get into, um, we're gonna get into long-term care Yeah. In another segment. Mm-hmm. The thing about long-term care, and I'll just give you this little nibble about mm-hmm. The, uh, uh, long-term care, you, you wanna get it when you're early, but it's, it's kind of like a double edged sword If it's private.
Juan: Private, right. It's, it's kinda like a double-edged sword because you know, they want you to get it at about 45. Yeah. Because at sixties it becomes cost. You're not
Santiago: getting it. Yeah.
Juan: You're not it. But here's the thing about getting it in your forties. In your forties, what are we worried about? In our forties, we're worried about putting our kids to college.
Juan: Right. Paying the mortgage, um, and out, hanging out you out with your wife, you know, have a good time on vacation and stuff like that. So we're really not thinking about getting sick and being in a long-term care institution for a long period of time. And that's why we push it back all the way to like, we actually need it.
Juan: But at that point it becomes cost prohibitive. Yes, it does. So it's one of those products that,
ve, uh, I have contracts for [:Santiago: They don't wanna wait alone. They're life insurance. They get 40. Once you more expensive, the older you get, once you hit 40, sometimes they will reject you. Um, what can I get? Just one. I just wanna hit one more topic real quick. Let's talk about just a little bit. We're gonna hit that, that MOTC and long-term care topics.
Santiago: Wait in another second. In the next couple of weeks, um, tune in for that one. We will have, uh, one of the, uh, because you know, when we look at it in New York State, it has drastically changed, right? Uh, a lot of people were upset. Um, but it, once again, that's a state by state program, right? Um, usually requires that you have Medicaid.
onna get into that? Nah, not [:Yeah.
Santiago: Um, we'll get into pool trust, spend down and stuff like that. Right. We're not gonna do that now because we need somebody good for that one. Right. Um, I don't wanna misin inform anybody. Right. So, um, I think next week we have, um, Daniel coming from that one carrier, and I have, uh, um, one of the people that work independently for one of those companies.
Santiago: And
Juan: we, we have a big, and I'm gonna say it's, it's, uh, we have a big coup in New York going on. It's for the, in the search for a better word. We have a
Santiago: coup going on in New York and we know, and you know, we know a lot of people that got disrupted by that. Right. Um, but. You know, the certain individuals I have did their due diligence and, and beat it on time.
Santiago: Okay. Um, once again, that's, that's something, uh, when you have clients like that, it, it's, it's, it's at the behest of the, of you, the person that is taking care of you to, to let you and warn you.
Juan: Right.
onna hit on this topic soon, [:Santiago: We need time.
Juan: Yeah. We need time for that because it, it's, that has gone, um, it has really turned both the carriers, the brokers, the entire industry on its head. Yeah. Um, because of the calculations. And you still have a lot of people that don't understand how those calculations are done and who pays for what.
Juan: Yep. And your options, especially, a lot of people don't understand the M three P. Yeah. Not to be confused with the. MP three. Uh, MP
Santiago: three. What the player?
Juan: The
Santiago: MP3 is the music box. I dunno.
Juan: The MP three, which is the, the financing for the, um, oh, the tax deductions like that. The financing for your medication.
f them don't have a state, a [:Santiago: You actually have to go directly to the a CA to get your, um, health insurance we're gonna be getting. Right. I don't know which states those are, but there are states like that. Right, right. Um, now, um, I know, and then we talk about the difference, like when you go on the state side, you know, we talked about the FPO or federal poverty level.
Santiago: Who gets Medicaid, who gets essential plan, and then who gets the qualified health plans? Correct. And I just wanna warn individuals. Um, me and Juan, we do do those. In our speci, uh, in our states. Um, so if anybody out there needs help with, uh, applying for estate plan, um, we are here to help you. Also, we also have private plans, some people, you know, um, and we're gonna do a, we're gonna do a segment on that.
Santiago: Um, private state plans, private plans, um, like, uh, like, um, what do we call, um, comprehensive medical and guarantee issue, right? Versus a CA and state. So we're gonna do that, and
nd pretty much when you talk [:Juan: So they will have government sponsored programs, right? Medicare and Medicaid. They'll have private plans Yes. Which you pay out of pocket. Right? Um, and then they also have commercial plans, which are, which is what your employer offers. Right.
Santiago: And I just want to make mention of one thing we wanna speak to the union members.
Santiago: Um, if you are a union member. And you come to me, yo, come to one. The first thing we're gonna tell you, if you pull out your Medicare card and ask us if you can get those extra benefits that you see on tv, we're gonna tell you absolutely not. You must, you must contact your, uh, benefits administrator, your benefits administrator, or your union, or we're talking to us union rep or your HR person.
Santiago: If you're still working and you have Medicare, um, most brokers would, would say that. Now if you do come to us and you work and, um, you do have union benefits, but you only have prescription drug coverage, right? We can help you with a Medicare Advantage plan, okay? Um, if you come to us and you have, you have medical benefits only.
don't have prescription drug [:Juan: what, what, what we normally do when we start talking to union members or people who have at work benefits and, uh, they're coming off those benefits, is we want you to obtain and bring to us the declaration page or what we call the deck page that really explains to us what you have and what you are taking when you leave work.
Juan: Mm-hmm. And remember, sometimes if we put you into a plan, okay, a government sponsor program, a lot of the extra benefits that you have may go away and you will lose them and cannot get them back. And that's why we, but
Santiago: some of them now have
Juan: the
Santiago: opt in for one, the opt out for one year. Okay. And then you won't pay, we have more options.
Santiago: And if you don't opt out, if you don't opt back in within the year, the years grace experience, then
Juan: you're done. Yeah. Yeah. Because you're done. Well, they were getting a lot of complaints about that. Yeah. When my broker took me out and now I can't get back in, so Yeah. Can't get back in. Uh,
Santiago: so let's, let's be, let's be honest, brokers, you know, like we always say, say exactly
Juan: your due diligence.
etting any dental or vision. [:Santiago: Um, continue. We are on YouTube. We do episode. Pretty much every week when it comes to the Real Deal, health, wellness, and Insurance podcast. Um, we're looking forward to, um, everybody asking questions, finding us on Facebook, looking out our TikTok going on and subscribing to YouTube, to our YouTube page.
r, um, if you, um, send us a [:Santiago: To us to do a Facebook Live where you can ask live questions, um, give us a shout out and we'll try to set up one where you can come on live and ask us questions about, um, not only Medicare, right? But, uh, health insurance in general when it comes to, I'm having a, yeah, having a under 65 here. Uh, private insurance.
Santiago: Um, we do va, yes. Um, veterans insurance, veteran Tricare, Tricare, and things like that. And we'll be willing to open up now. All, all, um, what we say, all um, all uh, all things are free, right? We, we don't, we don't charge, oh, all consultations are free. We don't charge for consultations. Um, and please stop asking me how I get paid, uh, when I sign you up for a plan.
hat's not what we do. Um, we [:Santiago: Whatever option you decide to choose on, you are gonna be with us for a long time. Um, and that's the way we, that's the way we build it, and that's the way we continue to thrive. Uh, once again, Santi Kisa, CEO, Medicare Professionals, Juan Cabrera Health Insurance Store, and we wanna say thank you, goodnight.
Santiago: And we hope to see you soon. Good night.
