Aging in Style with Lori Williams
Aging in Style with Lori Williams

Episode · 1 year ago

012. Medicare 101

ABOUT THIS EPISODE

Medicare is a topic that’s often discussed – and often misunderstood. June Kim is a community relations specialist with Blue Cross Blue Shield of Texas that specializes in Medicare, and she’s here this week to separate the fact from fiction. 

Though it can be confusing at times, she’s passionate about making healthcare a more approachable, understandable topic for seniors. This week Lori and June will discuss key differences between the original Medicare plan and Medicare Advantage, the limitations of each, and who might benefit from each of the plans. There are also opportunities to switch the plan and inherent risks of doing so. For instance, seniors must be healthy to enroll in a Medicare supplement program, but they couldn’t get coverage for preexisting conditions such as cancer. Based on knowledge like this, June offers insights and tips to help seniors navigate their healthcare.

Takeaways from this episode:

- Seniors aged 65+ are eligible for Medicare, and there are 2 types: Original Medicare and Medicare Advantage.

- Medicare is strictly for medical insurance and doesn’t cover senior living facilities (assisted or independent). 

- Everyone should take advantage of Medicare Part A, which is free and covers hospital costs

- Medicare Part B covers doctor visits, X-rays, outpatient care, and more – which requires a monthly premium and increases each year.

- Original Medicare (consisting of Parts A and B) and does not cover everything, just 80%, so patients must pay the remaining 20% in addition to the normal Original Medicare monthly premium.

- Those who choose Original Medicare can supplement with “Medigap” coverage, which can cover the remaining 20% – but to be eligible, patients can’t have preexisting conditions.

- Those who still have medical insurance through their employer don’t need to sign up for Part B healthcare plan because it’s essentially double-paying.

- Medicare Advantage is Part C, which is a local plan that often requires co-pays, making it an attractive option for those who seldom visit doctors or don’t have the resources to pay larger monthly premiums.

- Part D helps cover the cost of prescription drugs, so they’re more affordable.

- Medicare Advantage is an “all-in-one” plan that often bundles in add-ons like drugs, transportation, hearing aids, and even basic vision and dental.

- Medicare Advantage is also very localized, so if you move, you’d need to enroll in a different Medicare Advantage plan. 

- There’s a risk involved with switching from Medicare Original to Advantage – if you want the Original plan again because you’ve become ill with a disease, you wouldn’t qualify for the supplement plan.  

Topics discussed:

- Medicare plans and supplements
- Prescription drug coverage
- Home health / rehab
- Hospital visits
- Preexisting conditions
- Medicare enrollment
- Switching Medicare plans (life changes)

For more information about plans and the brochure mentioned in this episode, please visit: 

www.Thinkbluetx.com
To contact June Kim:
June_kim@bcbstx.com
214-783- 7901

For more detailed and up to date information please go to:
www.medicare.gov  

And for social security:

www.ssa.gov

If you wish to suggest a topic, be a guest or want to support the podcast please email Lori@Loriwilliams-seniorservices.com or reach out online: https://www.facebook.com/LoriWilliamsSeniorServices/
https://www.instagram.com/theloriwilliams/
https://www.linkedin.com/in/theloriwilliams/
https://loriwilliams-seniorservices.com/aging-in-style-podcast/

Welcome to aging in style with me, Laurie Williams. I'm an optimist by nature and I believe you can follow your dreams at any age. My grandmother's journey with dementia ignited a passion in me to work with seniors. I've spent the past thirteen years learning about seniors and aging. In my mid S, I followed my own dream and found it my company, where I use my expertise to help seniors locate housing and resources. On this podcast, we cover all aspects of aging. Joanna's each week to meet senior living experts and inspirational seniors who are following their dreams. The fact is, we're all aging, so why not do it in style? Hi, welcome to another episode of aging and style. Today we are talking about Medicare, and I've wanted to cover this topic for a while because it is one that comes up pretty frequently when people call me looking for senior housing. A lot of times they are under the misconception that Medicare covers senior living like independent living in assistant living, and that is not true. So today we are going to talk all about Medicare, what it is, what it covers. We're going to break down, you know, the difference between original Medicare advantage plans, all these different terms that confuse people, and I know it's confusing. I mean I am confused on it. So we have brought in an expert today and today's guest is June Kim and I've known June for I don't know how many years, several years. June is a community relations specialist with Blue Cross and Blue Shield of Texas. She has her bea in psychology and NBA and June has extensive experience and knowledge and the insurance industry. She specializes in medicure from working with seniors and from previously marketing in the home health industry and from the area agency on Aging of Terran County. She brings with her extensive knowledge of resources, enthusiasm and passion to educate and help seniors make the best possible decisions in regards to their health care. And I know she does that because I've been to several of her talks and it makes sense the way she explains it. So that's why I thought who better than to have June come and explain it to all of us. So welcome June. Thank you so much, Lori for that introduction and I am so excited to be on your podcast. I know that was a long waiting list, so I'm happy to be one of the people that you get to interview. Yeah, I'm so glad you're here too. So so why don't we just start off? I always like to ask my guests this question. How did you become interested and working with seniors and specifically with Medicare? I have to give all the credit to my mom. So when my mom was aging into Medicare and she turned sixty five, she comes over to me and she's like, I don't understand anything about this, but I know I have to sign up for many care why don't you look through this and help me? And I was like, Oh, okay,...

...sure, I've got my, you know, college degree, I even have an MBA, I can figure this out. No, I could not for the life of me. I was like, if I couldn't figure this out, how our seniors able to figure this out, you know? So I had to do a lot of research and basically that's how she kind of like thrust me into this business of just educating seniors about Medicare. And my mom actually has an assisted living business. She started in the residential home and now she has a huge weight list. She's retired right now, but she had a huge weightless and so that just really prompted me into my heart and my desire of just helping seniors. Yeah, so she had an assistant living and she still was confused about medicares and what to fit. That's totally as you know, when you first started out and you're saying there is that big misconception about Medicare will help you, you know, pay for all these costs and assisted living in and independent living. No Medicare. I think people will get confused. Medicare is strictly medical insurance for those that qualify. So you know, most people qualify when they turned sixty five because that's the age that you get Medicare. There are some other stipulations to like if you are in disability and such, but it is strictly just basic health and medical insurance. It does not come for anything else in terms of helping you live in in the facility or in the community. That's a big myth. Will have absolutely and I you know, I feel terrible sometimes with people because they are just they'll call me and say, Oh, I'm ready for assistant living for my mom. She has medicure and then it's like Oh, I'm sorry to like burst your bubble and I feel terrible, but then they're just so confused or like well, I move. What is medicure for? And, and I explained it that way, that's your it's your health insurance. It's going to cover your doctor visits, hospitalizations, Rehab if needed. You know, it's those type of things. So let's kind of like just jump into what what Medicare like. There's original Medicare, there's advantage plans and people get so confused. So why don't you just take us through like medicure one hundred and one. Okay. So basically, when you what we call aging into Medicare as for most people, like I said, when you turn sixty five, so three months prior to your sixty five birthday, you will want to sign up for Medicare and you can do it via social security because social security is actually the administrator for Medicare. So when you go on to that website and you sign up for social security, it's not necessarily saying you're going to take that social security check, but if you definitely want to sign up for Medicare Part A, which is your hospital, and that should be free from most people because why you are working or your spouse was working, they take it out of your paycheck. So you've already paid into that system. For Medicare Part A, which covers your hospital costs, okay, Medicare part be, that covers...

...anything outside the hospital, like your doctor's visits, your x rays, outpatient surgeries, anything that has to do with your doctor or medical or lab. Is Medicare part be and part B is not free. Part be you will have to pay a monthly premium, and so people get confused on that. They're like, Oh, okay, I'm Medicare age. I shouldn't be able to pay for anything right now. Part A. Part A is free for most people. Part B is not. Okay, the government still wants you to pay for your doctors and medical services. So Part A and part be, which is your hospital, your doctor medical that's what they call original Medicare, okay, and that is your red, white and Blue Card and that will cover you at any hospital or doctor that takes that. June one question. So your medicure a. that's the free part in most cases, and then be. How much does that typically cost someone? Or does that? I guess there's probably a lot of variables. Yeah, so it increases every year. I want to say that. Don't quote me on this. Okay, that like a we're on that. Hundred and thirty five dollars. But, like I said, every year it will increase and you will have to pay that, unless that's a mostly thanks for help much. That is your monthly premium for your part be. Now going down the line, I'm going to take you through original Medicare, or so on original Medicare, so you have your part a and you have your part be, your red, white and Blue Card. On original Medicare route, you need to get a separate drug plan, because everybody needs a drug plan. On Medicare, you can get a separate drug plan from any health insurance company that provides drug plants, and their thousands out there that you can choose from. Just make sure that you choose a drug plan that obviously covers the most expensive cost of your drugs, because you wouldn't want a drug plan that doesn't cover your most expensive drugs, right, yeah, exactly. And then, following this route on original Medicare, along with the part a and part B and a separate drug plan. You can get a Medicare supplement plan or sometimes referred as to medic gap plans. So these are private insurance plans that cover extra or on the original Medicare side, Medicare will pay eighty percent of your cost. The other twenty percent either you're going to have to pay out a pocket or hopefully you've got a medicare supplement plan that can help cover that. Okay, that's the medic gap. Yes, medic gap or Medicare supplement there and they're used interchangeably. And the good thing about the Medicare supplement and the original Medicare route is that you can use this Medicare in any of the fifty United States. So any place that takes original Medicare and he docked there, any hospital in the fifty United States, they'll be more than happy to help you. So that is what we call the original Medicare route and one of their question, and I...

...mean you may just have to give luck an average. I think a lot of people will say or come to me and they think medicure o good, I'm on Medicare. Don't have to pay anything out of pocket, which is, you know, as you're saying is not true because you have the bee and the drug part and the MEDAGAP. So with all those added can you say kind of like an average what that would cost someone those premiums per month? And I know this is I don't want to hope not holding you to this number, but what's kind of an average of people can kind of have that in mind when they're planning for retirement. So I would I can't give you a definite amount because it depends on what company even I wouldn't be able to give you an exact amount of my company because we'd have to sign that disclosure first before I tell you how the prices uh. Because we are regulated by CMS, which is the Center for Medicare and medicate services. We can't basically give you that kind of information until we have real prior consent to but I would say on average it would be a couple hundred dollars because just right off the Bat, part B is going to be over a hundred dollars and changing every year. And then your drug plan anywhere depends from what company you choose from. That could go up into another hundred and then your Medicare supplement, depending on what company you choose from. I would say the total would be a couple hundred dollars. Okay, that's good to know. Yeah, for those people that are on Cobra or those people that are on self employed insurance plans, it will be a lot better for them when they age into Medicare. Yeah, I'm looking forward to that. More cut. Yeah, looking forward to that myself, as I am self employed, but I have several years to go still chill and ready for Medicare, but I'm looking forward to it. Yes, so for those of you that are self employed, yes, you will get a break in your healthcare costs. Now, those of you that are coming off of employee plans or that have like really great, you know, federal or state plans, yeah, it may be a sticker shock to some. So that's basically on the Medicare original side. Now the Medicare advantage side is also run by private insurance companies. So that's why people get confused between the both sides, with the Medicare supplement Medicare advantage. On the Medicare advantage you still do have medicare part a and part be. You still have to pay your part B premiums, okay, no matter which side of Medicare you choose. But on the Medicare advantage plan, what they tried to do is with these health insurance companies, they bundled a package together for you Medicare advantage side, you actually have a drug plan included in most of your advantage plans, so you don't have to have a separate drug plan and you don't have to have separate costs for that. And then on this Medicare advantage side you do not need a medicare supplement plan because basically it's kind of and all in one plan. And so on this side it's also very localized too, because of you're only paying a set fee. Or it may...

...be, you know there's some Medicare vantage plans that have zero dollar premiums out there too, so it may not be. You're only paying for your part B premium and you might not have to pay any extra premiums on top of that monthly like you do on the original Medicare side. But the one difference on this side is the Medicare Advan your side, you can only go to the doctors and hospitals that contract and take your plan. So, unlike original Medicare where you can go to any doctor any hospital in the fifty United States that takes Medicare. On the Medicare advantage plan, you can only go to the doctors and hospitals that take your plan, and this is very localized. So usually, where we are in the Dallas Fort Worth area, you can choose from certain amount that companies that contract and that work in the Dallas Fort Worth area. Now, if you choose to move to Houston or to Austin, you will have to change your Medicare advantage plan because that Medicare advantage plan only works in that local area. So it is sort of like, would you like an HMO? kind of like that, because you have specific doctors you have to go to. Yes, so even within the Medicare advantage route they have hmos and then they also have p Pos to but you still have to follow the rules, even though if it's a Pepo PPO, just means that you have a wider range of doctors that you can choose from, you know, whereas in an HMO, a select one doctor and he is your primary caregiver and he will be your gatekeeper to all your Medicare and healthcare needs. On the PPO. You get more choices, but there's still some rules that you have to follow. The biggest difference between an HMO and Ppio, people get confused with that, is an Hmo you have to go through your primary care doctor first and you have to get a referral if you want to go see a specialist, and if you go outside of your Hmo network you will be responsible for one hundred percent of the costs. Who on a p Po, you don't have to choose your primary care doctor, you don't have to get a referral, you can choose your your family physician or doctor that you go to, as long as they are in that PPO network. Now, if you go outside of the PPO network, you are responsible for out of network costs. So there's a difference. You know, with an HMO, you go out of network, you're responsible for one hundred percent of the costs. In the PPO, you go out of network, irresponsible for the out of network PPO costs. I was going to say, you know, having worked in your living for, you know, long time, I talked to a lot of people and I have heard several people say don't do an advantage plan, that they had a bad experience and so in talking with you earlier, an advantage plan makes sense for some people. It's going to make a lot of sense for them. So if it were just, you know, someone trying to decide between just doing original Medicare or an advantage plan, what would be your advice on that? And when does an advantage plan make...

...more sense? Sure? Okay. So, obviously because of all the bells and whistles and less restrictions of original Medicare. So more choices always equates to more money, right. So an original Medicare, that sounds great if you have enough resources and you can choose that route. And also, I forgot to mention within your six months of getting part be signing up for part B, you have what they call guaranteed issue, right. So in Texas we cannot turn you down for any sort of pre existing condition or any health conditions of getting a Medicare supplement. Now, any time outside of that we will have to do medical underwriting. So basically you will have to be healthy to get a medicare supplement. So you need to do it in your first six months. Yes're saying okay, of signing that part part be. Yes, okay, and signing up for part be as another kind of worms to it gets more complicated. If you're still working and you're still under an employee plan, don't sign up for part B because then you'll be double paying. At that time you are under your employer plan, your employer is still going to pay right for your insurance. Then you don't want to double pay. That part be part okay, and then that will also exclude you. If you do, you doub will pay on that. That will also exclude you from your six months. You know, right of issue for that Medicare supplement plan and if you do have, you know, previous condition as a cancer or any major health condition, you know that may prevent you from getting a Medicare supplement. If you were still working, would you just want to drop your insurance from your employer and go ahead, just get on original Medicare and your part be so you don't get excluded because of the six month thing? Or How would that work? You will not be penalized if you have what they call a plan in place of what they call if you are already under an insurance plan and you're still working past sixty five, you do not have to sign up for that Medicare part be. I would recommence go ahead and sign up for part a. It doesn't cost you anything, right, it's free. But for that part be, that's a very crucial component. You don't want to sign up for part be if you already have that part be coverage. And then once they stop working and then they need part be, then they have sign up. So let's say you you work your sixty five, but then you've been to work for another three more years. So at sixty eight you're going to fully retire. That's when you can sign up for part B and then your six months of guaranteed issue, right, will start from then. Gotcha. Okay, that makes sense. Okay, good, good. Now. Yeah, so that's another thing that people just rush in, you know. They think, Oh, I'm six, I five, I'm going to sign up for everything. Well, it depends on your situation again, right. So be very clear. If you're going to fully retire, go ahead, you can sign up for part a and part be, but if you're not and you are still under your employee plan or your spouse as...

...plan, you do not have to sign up for part be. Okay. So that is another thing about the Medicare supplement. Like I said, if you're outside up that guaranteed issue right, you will have to go through medical underwriting. You will basically have to be healthy to pass and get that. And also with a Medicare supplement, the older you get, the more expensive it's going to be, because, you know, insurance is all about risk. So the older you get, the more risk we're putting on you, and obviously you're going to you have the higher risk of getting more ailments and such. So, no matter what company you choose, the older you get, the more expensive your Medicare supplement will be. So then advantage plans. When is this a good idea to choose advantage over the original? Okay, let's say that you didn't sign up for a part B, and this is happens a lot with the self employed people, you know, because you're looking for your own insurance. But let's say that you didn't sign up for part B when you should have, and now, knock on would, but you got cancer, okay, from your sixty eight now okay, and so we will basically deny you, for most health insurance companies would deny you at that point of getting a Medicare supplement. So the part be you're going to be denied. No part be, you will open only one. Okay, so the supplement bland, you'll be denied. Okay, Gotcha. Okay, that's on the rich, like weren't? They're like, wait, whatever happened to you know, we can't be discriminated against preexisting conditions. We're not discriminating you against Medicare. You can still get medicare part aim, part be, but we are saying no to that extra insurance and Medicare supplement. Okay. So if you can't qualify for that, and obviously, well, maybe you're in a situation where you're just living on social security, just pure social security, which a lot of seniors are sure, so they can't afford that extra, you know, Medicare supplement plan and the extra drug plan. So then your next bet is to choose the best advantage plan that there's out there for you. So number one, you're going to start with what companies provide that advantage plan in the area that you live in, because I remember it's very localized vocal, and then you want to choose a plan that obviously that your doctor's going to take right. A lot of seniors are married to their doctors. Unfortunately. Sure, and then just know that, you know, not all Medicare advantage land takes all the doctors. Right. We don't have control of the doctors who take our plans. It's all up to the doctors to choose what companies that they want to pair up. So that's another consideration. But yeah, an advantage plan these days have a lot of Bell, some wiles. They've added so many other membership perks. Like some companies even add transportation, which is huge for seniors. They will add like basic dental and vision hearing aids. I mean so there's a lot of other fringe benefits that you...

...can get from Medicare advantage plan that you won't get from the original Medicare because on the original Medicare it does not cover any dental or vision either, or hearing. So on the on the positive side, you can get more out of an advantage plan, but you just need to do their research to make sure your doctors and hospitals you want to go to are on that plan right. Absolutely. So, yeah, you do have to do your due diligence in terms of and the providers that you want to see and the hospitals that are close by and but advantage plan is is a great plan. It is also governed under cms laws too, so they have to provide the same services as original Medicare. It may not be to the same extent. So what I mean is for Rehab, like what if you had hip surgery and you were going into a sniff or okay, I'm going to school nursing facility, nursing facility to get your rehab done? In original Medicare you have you have basically twenty days that you don't have any co pays to fully, you know, utilize that on the original Medicare. Now with a Medicare advantage plan, you have to find that sniff that take your plan number one and they might not calculate the full twenty days. Maybe they contracted only ten days with your Medicare advantage plan or seven days, you know. So it depends. So, like I said, you will receive the required benefits but it may not be to, you know, the full twenty days that original Medicare as. It depends on what kind of contract that your Medicare advantage plan has with that sniff. So cut that's probably one of the biggest examples that I can give you. What the major differences of our original Medicare and the Medicare advantage plan. To what about like if someone has the example of the hip surgery. So they went, they did their rehab, they return home and they're going to have home health and physical therapy coming in. Is there a difference with advantage plans over original medicure and how services that you receive at home? No, but it's still follows the same role as the sniff. So basically the home healthcare and any sort of Rehab care that you're going to get received from your home, that company has to contract with your Medicare advantage plan to make sure that they are going to get reimbursed for the services that they're giving you. So yes, you do have the same opportunities as under original Medicare, but you do have to make sure that that company, as providing services to you, does take your plan. Okay, but would they do the same thing like, say, under original you got maybe twenty visits, but under advantage maybe they cut it to ten. Does that ever happen or is that's not my specialty, but I think that would have to depend on that company itself and they would obviously have to follow the CMS guidelines in terms of crime, health to so with an advantage plan, price wise, so it's is...

...it a lot less expensive? Well, generally I can say that because you know when I said more choices will cost more money. Because an advantage plan is it is in the controlled environment and you do have to follow the rules. It may be a lot more cost effective. But with an advantage plan you will have basically co pay. So every time you go to a doctor you will have to pay a co pay, any time you go to the hospital co pays. So if you do visit your providers quite a bit, that might add up. Yeah, so with the original there's no co pays. With an original and a medicare supplement that covers that. Yes, there should not be any extra depending on what supplement you choose, there should not be any extra copays. But, like I said, that depends on what supplement you choose. But normally work to doctor and you go to hospital, that should be covered under your supplement plan. Okay, that's good to know that. You know, if with the advantage planet may be less expensive upfront, but you are going to have to make this cope pays. So you're right, every time you go different to your provider. HMM, there's and so, if so, I'll kind of go to the story of people always ask me, June, if I was your mom or your dad and and uncle, which side of Medicare should I choose right now? I say, you know what, that depends. A Medicare is not a cookie cutter. My Mom, she is on medic original Medicare, and she has that separate drug plan and she has a Medicare supplement and every year she calls me up she's like, oh, June, can you put me on a cheaper plan? This is going up. I'm like, mom, we discussed this already. Every year it's going to go up because you're older every year, right. But my mom had answer and she complaints about the price. But when I ask her, how much did you have to pay when you went to the doctor, I think, how much did you have to pay when you go to the hospital? Nothing. So, yeah, she's paying all that up front on the original Medicare. With the supplement, you are paying it up front. But if you were to get some you know, ailment or disease or it may help you because you've all paid that up front. Now My inlaws, they were on Medicare suppleant, but it got too expensive for them. So they changed to Medicare advantage plan and they love it because, number one, their doctor takes that plan, number two, their hospital is like two miles away from their house, so then they're fine with that. And number three, they're very healthy, fairly healthy. They go like maybe once a year for their annual check up, maybe once for, you know, just minor surgeries here and there. So they're very, very happy with their plan. So, as you can tell, it really depends on your...

...situation, on your resources. Maybe, you know, like I said, your health too. Can you switch? Can? I guess it gets kind of complicated if you switch. You can't really switch back and forth, right. Can you explain that? A million dollar question. So okay, so every year during Medicare open enrollment, which is going to come soon, it happens every year October fifteen to December seven. If you on Medicare, you can make a change. If you're not happy with your plan, you can change from that time, from October fifteen to December seven. Your new Medicare plan will become effective January first of the coming year. So for this open enrollment, if you make any changes. It will be effective January first two thousand and twenty one. Wow. Now, if you're going to change from an advantage plan to an advantage plan, that's not a problem. If you're going to change from an advantage plan to original Medicare and you're trying to get a supplement, you need to be healthy. Okay, okay, go to that underwriting. Now. Let's say you went from original Medicare with this supplement and went to an advantage plan and then now you want to switch back, but now you've got cancer. Cannot get your supplement back. Okay, as you have that and you know condition. So that is the million dollar question. So yes, you can change and think about as long as you're healthy. The day that you become unhealthy you can no longer qualify for a medicare supplement. And there's another thing too. If you are already on the Medicare supplement and you get cancer or CEOPD or whatever, we cannot boot you off. So you you are already grandfathered into that plan. As long as you keep on making your payments, no company can boot you off because basically you are already grandfather didn't, and the only way that we can boot you off is if you don't make any payments. Okay, so your original Medicare and you have the supplement or Meta gap. That's the same thing, right. And you get sick, you get cancer or CEOPD or Parkinson's or whatever that, you just keep making that payment, don't miss your payment and you're on there forever. That's right. Okay, so let's get you there. Yeah, and so I always tell people, you know, the ones that are on supplement and thinking about changing, I always tell them, you know, be really, really careful, because once you make that change, you really don't know what's going to happen. Yeah, and only we'd had a crystal ball, right of which, and actually had actually had this one lady who was crying, and I was crying with her because she wanted to change back to her original Medicare and she had developed all these diseases, and I was kind with her and I was like, I'm sorry, you know, we can't. Was it because she couldn't find the doctors on the plan, or what was happening that she so she was talking with her friends, she was...

...on a Medicare supplement, talking with her friends. They were all on the Medicare advantage plan. They're like, oh, it's great, you know, and I'll save you a lot of money. And so she did and come to find out she had developed all these diseases and all the specialist that she wanted to go to or taking that plan. Like I said, she tried to contact me and she said now when they go back, and I had to tell her I'm sorry, yeah, there's no going back. I've had a few cases where the families look at an adult daughters called me and said, Oh, my dad was in, you know, in Rehab, and he was watching TV and they had these commercials for advantage plans and he switched. So what do we do now? And it's like, Oh gosh, that's that's not good, because they do the commercials they do make it sound like it is the best thing, you know, ever to switch to advantage plans. So this is why we need to educate ourselves and educate our senior so that we, you know, don't run into a situation like this. Lady, you were just telling this about right, and that just breaks my heart. I it really breaks my heart that seniors are not completely informed and those commercials they look great, you know, they have all the bells and whistled, because advantage plans, they too, they do, offering you more in terms of the extra dental or vision or what have you, or chance. Some of them have transportation, like I said, and it is very compelling. But if it doesn't fit your needs and then you come to find out that your doctors don't take it or the hospital that you want to, then you know, then you're really up a creek, and especially if you changed while you were deep within Medicare and you have these conditions now. Yeah, you can never ever get back to a medicare supplement. Yeah, because you might, you know, research it as you're healthy. Oh this is my doctor, great, he's on this plan, this is my hospital, but you don't know what's to come. And what if you develop some disease that you want to see a specialist and you know the specialist you want to see is not going to take your plans. So then, like, you know, the same situation with the land. He was crying. So yeah, we really, really careful, and I tell the seniors out there when if you're going to make a decision, and ninety nine point nine percent of a time, if they're on the supplement I sell them and they want to switch over at I'll be more than happy to have but I don't recommend it and I would not. I just not in good conscience, knowing that if they can still stay that bath and keep that plan, that is probably the best for them. But I do know that, you know, not all seniors have that resource and they're just stuck on that one social security check. So you'll have to do what you have to do and, yeah, and figure out the right choice for you. So, yeah, if we all have that crystal ball, it would make the decision a lot easier, right. Yeah, it would. Another thing that people don't realize and Medicare.

It's different state to state. So if someone like here in the Dallas area, we have a lot of people who move from, you know, other states of California or wherever, and then your parents usually will come with them. They have to make that complete change once they get here to Texas. So that's outside. You know, we mentioned the open enrollment period, but if you have a life change moving, you can go ahead and change then correct sure, so you do have that special enrollment time, what they call if you do move out of the area, and this is more specifically for those that are are on the advantage plan. If you have a medicare supplement plan or that medic gap plan, remember that works anywhere in the fifty United States. Okay, so you do not have to change that plan. You will have to change your drug plan, though, because drug plans are very localized. If you have a separate drug plan, you will have to change to US another separate drug plan that's within your local area that you're moving to. But for Medicare supplement you do not have to change. That will work within the fifty nights states. Now the Medicare advantage plan. If you were on in a different state, yes, or in the different county, like I said, if you're moving from Dallas to Houston or to Houston to hear or even to Austin, they all have different advantage plans. Okay, so they would have that special enrollment there. They could make that change. And then when we were talking earlier, you mentioned something that I think is really important about speaking to a live person, like how confusing it is for seniors trying to call and they are just getting, you know, one recording after another where you know you're already confused because this is a confusing topic. So the best thing is to be able to speak with a live person. Yes, so, like I said, it was confusing for me and the very beginning when my mom, when I had to tell my mom. So I can't imagine how much more confusing it is for a senior that don't have all the resources or the information, because, you know, medicare changes yearly to so that is my passion to help those seniors to make the best educated guests our decisions regarding their healthcare, because it is really important, you know, like I said, especially if you choose a plan and then you wanted to go back. You know, there's some stipulations regarding that too. So I would love to help our seniors and our community. That's my passion. That's where I'm at too, and I'm very fortunate to work for a any that lets me educate first. Yeah, more than anything else, because that's why I love my job so much. So, yes, feel free to reach out to me Lori will post it my contact information, but have my direct line on there, and then you can reach out to me via email at June underscore Kim at bcbs Txcom, and you can also visit our think blue txcom website where we have daily seminars and I have some that are already pre...

...recorded just on Medicare drug plans, on Medicare supplements, on Medicare advantage plants. So it'll go further into detail and you can just watch it and listen to it at your leisure. Oh, that's excellent. We will put all that information at the end of the podcast where you can go and access it and find June, because she is a wealth of information and your passion shines through and that's why I always love to to go here. You speak. Well, when we can go back out again and Covi it is open, will be great. And and here you speak. So you speak, but you also have a great like a visual that. I've seen it before, so if you have, if you want to send that to me, I'll also post that on my facebook and I'm sure June can even email it to you. But it just kind of breaks down visually what we've talked about, and I know I'm very visual, so that I think it's very helpful tool. Yeah, so I call that my medic a care cheat sheet and they will. It has the different puzzle pieces because Medicare is a big puzzle, right. And so the front page will talk about the different parts of Medicare, which I describe to you the part a, be the see is actually what we call Medicare advantage plan, and then D for prescription drug plan. And now on the back of that Cheat Sheet it tells you the two paths of taking Medicare the original Medicare route and then there advantage route. So, yes, I'm a very visual person to it makes a lot more sense when I see it, you know, written down on paper. Yeah, and that's a really good flyer that you have, so we'll make sure we share that as well. We'll thank you so much, June, for coming on and talking to us and explaining medicure. I think I know it helped me and and I'll just say I mean I've heard it over and over, but it's still kind of like my brain doesn't like compute it all together, and I think that's probably the case for most of us. So so I just think it's very valuable information and I just know that you've helped many of our listeners out there. And again, if you have questions or want to contact GM, will have all that information and please go to our podcast and let us know what you think of as a review and if there's a topic you want to learn about, shoot me a message. So thanks for joining us, but by.

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