Ep 78: Choosing A Medicare Plan With Laurie Boatman
The X's & O's
Unfortunately, the chances of you needing medical attention increase as the years progress.
So what can you do to prepare for this?
In this episode, Matthew Theal, Brent Pasqua and Joshua Winterswyk talk with Laurie Boatman, a licensed, trained and certified independent insurance agent, to discuss the topic of Medicare. She will help you better understand the Medicare enrollment process, whether you are approaching retirement age or preparing for medical expenses that may come up.
Laurie discusses:
What Medicare is and why it was introduced
How she helps people find the right Medicare Insurance Plan
What age you should enroll in a Medicare plan and when the enrollment period is
How to enroll in a Medicare plan
And more
Resources:
Connect With RPA Wealth Management:
(909) 296-7977
Connect with Laurie Boatman:
(949) 735-4486
About Our Guest:
As a licensed, trained, and certified agent with major insurance companies, Laurie helps make the transition to Medicare easy to navigate and understand!
Laurie provides the knowledge so you can make the best choice for you and your situation. Trying to decide between Medicare only, a Medicare Advantage plan, or a Medicare/Medigap Supplemental plan? What about Prescription Drug plans?
What starts out as stressful, and confusing, becomes clear and simple! Laurie is here to help answer your questions and walk you through the process. It is of great value to seek help from an agent who specializes in Medicare that will guide you, whether you are just turning 65 or after.
Transcript
Welcome to The Retirement Plan Playbook with Brent Pasqua, Matthew Theal and Joshua Winterswyk from RPA Wealth Management. In this podcast, we cover current events, retirement planning strategies. And provide you with the tools to help you build a successful retirement playbook in any political or financial landscape.
Join Brent, Matthew and Joshua as they navigate the issues that can make the later stages of your retirement plan challenging and help you create the best Retirement Plan Playbook. Now let's get to the show.
Welcome in to The Retirement Plan Playbook. I'm Brent Pasqua, founder of RPA Wealth Management, and I'm here with Joshua Winterswyk, certified financial planner, Matthew Theal, Certified Financial Planner. And I am so excited today because we have a very special guest. We have Laurie Boatman on with us today, and Laurie is a licensed, trained, and certified independent insurance agent specializing in Medicare and Medicare health.
Laurie has over 30 years experience and really has helped thousands of clients making decisions on Medicare, and I can't tell you, Laurie, how important it is for the job that you do in helping people, because I know how difficult it is to navigate through Medicare, not only during the season of open enrollment, but also throughout the year, because in my opinion, there's nothing more important than your.
and making decisions like this impacts at times how long a person can actually live. And it is so stressful, I know, for clients to make these types of decisions. And so we're so excited to be able to answer I think some of the questions that so many people have nowadays about Medicare. And I want to jump right into that.
Can you tell us a little, the listeners a little bit about what you do and how you. Of course. Thank you so much for having me today. And what I do in a very simple sentence is I help people navigate Medicare and Medicare health plans and prescription drug plans, and I
assist with all areas, whether you're just aging into medical, Whether you are continuing to work past age 65 or you're already on a Medicare plan, so I just come alongside people and I help, and I make sure there are no errors made and the most appropriate plan is put in place for them. , how long have you been doing it?
I am going to age myself greatly here, so I have to chuckle a little bit. I've been in the business since the early nineties and I myself am over age 65, well over age 65, so this is my world. The, the Medicare arena is my current world, so I can certainly relate very personally with everyone that I'm meeting with.
Started way back in the early nineties, uh, first HMO plan on the carrier or company side, and it was in customer service. Was very invaluable. So I have an understanding, obviously from the customer side. Went on then to become an agent, independent agent and was with New York Life. Gained the financial planning side of this picture, which of course has value with regard to health insurance also, and did that for a number of years.
Worked in the individual health insurance arena, the group employer side. Worked with businesses, companies, long term care. Always loved working with what I used to call way back when the seniors now being a senior myself, it's the new age 40, but settled quite some time ago on just Medicare. It's an enormous field.
Requires a, a lot of experience is ever changing. So that's my e. , what is Medicare and why was Medicare even started? That's an excellent question. Medicare started in 1965 when then President Lindon b Johnson signed into action a bill that started Medicare and there was a tremendous. Prior and they had been trying to come up with a national program for seniors, then they called it for the elderly before 1965 when people retired and they actually lost their employer group health plans in most instances.
And they retired, found themselves literally with no health insurance. Can you even imagine today? So would you like have to pay out pocket for that? Like has that you had to pay outta pocket for them? There was no nothing. It, it, it, it was a very serious predicament. So when Medicare came into being, uh, they also came up with Medicaid.
Medicare was for those age 65 and over, and for certain individuals that could qualify earlier based on, you know, a certain condition or disability. It's a great, great benefit that I think we all have been taking for granted all these years. and it's a privilege to have such a benefit. I, I get this question a lot.
When does somebody sign up for Medicare? And again, that can be a very complex question with many answers, depending, and that's why it's so important to speak with someone like, like me. So the simple answer would be, generally speaking, if someone is going to enroll in a Medicare health and prescription drug plan, they would want to enroll.
three months before they turn age 65. And actually to clarify, it would be the first of the month. So if their birthday is January 13th, then they would sign up three months before January 1st. When should to enroll? Reach out to you though to start planning. That's the second part. That's a bigger picture.
Never wait until you're close to age 65. Ideally, I like to hear from people. And Brent, thank you so much and all of you gentlemen for introducing me to people as soon as a year before they turn 65 because there are no two people that have the same plan, the same goals as they are beginning their retirement, and it takes time.
Take a look at their individual situations. So through individual personalized consultation, we will go through all the steps that I know are necessary so that they're in place and very, very comfortable when they're ready to sign up and start that plan. I think one point of confusion we see with a lot of our clients is what if they're still working past 65?
Is, is that kind of the caveat you're talking about? Again, they, how can anyone navigate these questions on their own? I get that a lot. And these days, of course, more than ever, people are working beyond age 65, so I again still like to have a call from someone. Well before, even, even before they've decided whether or not they're going to retire, uh, because we're talking about a plan here and plans can change, but at least we're moving forward with a plan.
People can continue to work. Obviously beyond 65, they are able to delay signing up with parts of Medicare. They can stay on their group employer health plan, but that really depends. And so what I do is we take a look. Their current cost and their benefits on their current employer plan compared to jumping off of that voluntarily, which they're able to do because there are times where clearly their benefits are better and their prices are lower if they go ahead and sign up and enroll in an individual Medicare plan.
But there are times that I say, Stay on the plan, you're on. This is. And you just call me when you're thinking about retiring down the road or your plan changes, I'm here for you. Well, and I get also this question. I mean, what happens if somebody misses their signup at age 65? If someone misses their signup at age 65, if they are still working, they absolutely do not mandatorily need to sign up for part A or A and B, if you are still working.
With that being said, it's very risky to assume that that's the case because it depends on employer size and many other other factors. So what happens if they don't sign up when they need to sign up is really more the question probably. And uh, that could incur penalties. Penalties for life, and this is the call I always get from people.
Could I incur penalties? So we go over that. And also certainly it would delay their enrollment. So when they really want and need to be on a Medicare health plan, they're not able to sign up for it on time. So that's why we get a good start. Early on when you do sign up, Uhhuh, uh, what are you signing up for?
Are you signing up generally for Part A? Are you signing up for Part B? And then what is the difference between the two? Yes. Excellent question. , if someone is currently working and going to delay going on to an individual Medicare plan, they, I would recommend most often will sign up for part A. So that is an effect and you are in the social security system and your Medicare card will show part A and if they do delay, Then they can go ahead and sign up at a later date when they're ready to sign up. For those who are enrolling in Medicare, and I've explained the timeframes, let's say that you've decided to take your Social Security benefit checks early and you're receiving them now. You actually don't need to sign up.
You'll receive your Medicare cards showing parts A and B, effective the month of your birth. If you are delaying receiving your Social security benefits as many do, then you do need to go on to the Social security website and establish your account and sign up for that which is appropriate for your situation.
I have a question for you. So the Medicare program has. Parts A and B, like you mentioned, but it, it incorporates a lot of different parts and they all have a specific purpose. Am I correct? Yes, that is correct. Uh, shall I go over part A and B and what the parts are? So part A is hospitalization, inpatient hospital skilled nursing.
It can be hospice and some home healthcare. Part B covers everything else medically, that being physician visit. physician charges and outpatient surgeries, physical therapy, maybe, uh, lab and X-rays. All of those types of, uh, services that you would have are part B. So part A and part B you will always have when you sign up for a Medicare health plan.
Uh, in addition to that very important part is Part D that represents prescription drug plan coverage. That is critical to have, so that's something that people can miss because they say, I don't need any prescriptions. I'm just gonna delay signing up for a Part D prescription drug plan that I'm afraid causes permanent penalties for life.
How do you actually sign up for Medicare though? The way you sign up for Medicare is, uh, you go into your social security website, you start an account if you don't already have one, and then you follow the prompts and you sign up either for Medicare only for those people that are postponing their, uh, social security benefit checks, or you'll go ahead and sign up for all.
But it is done on the social security. So, do you need additional medical insurance beyond Part A, part B? And then part D. To cover you for some of the expenses that may arise during your retirement for health? Yeah, that's a very important question. Also, they might be accustomed to their plans at work that only cover a certain portion, and they really have quite a risk out of pocket.
So with the Medicare plans, you do have full coverage, you have A and B, and you do have you, you definitely will have prescription coverage and that will cover you for everything that you would. And you've made a decision on the best plan and your risk out of pocket in whichever plan you choose. So does somebody actually need a Medicare Advantage plan or a Medicare supplement plan in addition to part A, B and D?
I get that question all the time. I think the biggest confusion for everyone. is what is A, B, what is C and what is D? And uh, so the answer to that question is actually when you sign up, you uh, sign up for part B that has a cost. Part A is free, but part B has a cost. So that is why sometimes people even delay signing up for Part B.
Why start to pay the premium to Medicare if you don't have to, if you've got coverage through your work. But people will then have, choose their, And I got mixed up on my questions, so I'm gonna pause. With do, So what's the difference, I guess, then between Medicare supplement and a Medicare Advantage plan?
And then do, do you have to, Is that part of part B? Okay. The the difference between Medicare Advantage and a Medicare supplement plan, there is a very, very big difference. A Medicare Advantage plan is an HMO plan. Where you choose a primary care doctor and you really somewhat give up your original Medicare, your care is transferred over to the care of your doctor and the management company.
To oversee all of your care, you need to choose a primary care physician. You need to obtain referrals to get to any specialist, and you do stay in network for all of your care. You're not able to go to, say, Mayo Clinic or UCLA and then go to an orthopedic that your friend told you about, and HMO is a network based plan.
With that type of plan, there are a lot of extras that are very appealing to people, and the cost is generally speaking, zero per month. In the, in the HMO arena, they have now come up with some PPO options also, but basically, as I've described it, that describes the HMO. The other choice is Medicare supplement or medi-Gap, and that is completely different.
And in that case, you keep your original Medicare. Medicare pays 80% of your bill, and then you do not want to have a 20% balance billing. So people will choose to sign up from Medi Medi-Gap or a Medicare supplement plan, and that pays the balance of the bill in most instances today. So Medicare will pay 80.
And your supplement will pay the balance of 20%. This type of plan does have a monthly cost. Unlike the HMOs, and the reason why people choose a Medicare supplement is because they want freedom of choice to direct their own medical care. You do not need to choose a primary care or obtain a referral, and you do not need to stay in network with a Medicare supplement plan and original Medicare.
You can go to any provider in the United States directly. You pick up the phone, you simply call. Then you can make your appointment and you go direct. So people feel many people feel very good about that with regard to their changing health as they age. Also, if people travel, there is availability for care all over the United States.
With the Medicare supplement plans, this is a big point people don't know and they're not aware of with the HMO plans. Certainly you have coverage for emergency or urgent care, but you do not have continued. Out of your network where you live and many people are traveling today, or they have second homes, or they stay with family for the summer.
Very important. So if you were on Medicare Advantage and you had a serious or critical illness where you thought it required specialists that were outside the network, you might be really challenged to even be able to go see those doctors at this point, cuz you don't have coverage to see. That is absolutely 100% correct.
That actually happened with my husband in Washington State. Had to go to ER for a serious eye problem. And they said you must have continued care. Well, we were traveling for the summer and he was on an HMO at that time. We promptly changed that because I felt strongly about it initially. But the bottom line is, you're right, uh, there is no coverage for continued follow up care with a physician if you are not in network.
So consequently, people need to go back home. So if somebody is 65 and they go on Medicare Advantage, And they're doing it. Obviously they're not paying anything. Can they switch a year later if they need to, to a Medicare supplement? That's, again, a very important question. So the answer is yes, and the answer is no.
Yes, they are certainly able to attempt to switch to a different plan, and the time that you would do that would be during this particular time we're in right now, which is annual enrollment period, and then again in January. Opened up another additional time frame frame. But if you're on an HMO plan and you're into year two, and suddenly you have some health changes and you wanna be able to get to other doctors or specialists, you will be subject to medical underwriting and subject to approval or denial to be able to get onto that plan.
Whereas when you first turn age 60, There's something called guarantee issue where there are no medical questions asked. That is also the case if you're coming off of an employer plan. There's certain times, which of course, I'm an expert in those areas, but, The best time to come onto a Medicare supplement plan would be when you're first eligible and you have guarantee issue.
There are no medical questions asked. You could have cancer, so do they generally deny somebody if they're on a Medicare Advantage plan, they are sick and they need to switch to, or they would like to switch to a Medicare supplement so they can go see different specialists? You, you obviously have to answer those questions that you have.
Preexisting conditions. Yes. Do they? Denied. They can get denied. The answer is yes, absolutely. And I work closely with underwriters on the different companies and I know which conditions might cause a, an automatic denial, but if you are healthy and well, there is not a problem. You can go ahead and start out with an hmo.
So I don't wanna, you know, give you a doomsday picture on this one at all. And again, the time would be to switch would be now annual enrollment period. And I get those. Every day, and I help people to switch. They try their hmo and then maybe they find they'd prefer to have a supplement or a supplement and prefer to have an hmo.
What months are those for the annual enrollment period? For the last, the annual enrollment period starts October 15th and ends December 7th, and it would go into effect January 1st of the next. So it's similar when you're working, you have open enrollment. That's correct. That seems like an awfully short enrollment period.
Why is it so short? I think that every day, and I wonder why do we have that? And I was glad to see they opened up the month of January as an additional time because it is I don't really understand why they do that and that, and I think it's, doesn't meet the best interest of the. or anyone actually, whether it's a carrier or the individual trying to make this happen in this timeframe.
But we do, We get it, we get it straight, we get it on. We, uh, people are happy and they do get moved over as they wished and hoped to do so. So for right now, when someone's in open enrollment, uh, since if, if it's an open enrollment period and somebody let's say is 75 and they have a Medicare supplement, or they have a Medicare advantage mm-hmm.
and they're not really happy with the, the plan that they have. This is the time period where you can go in there and elect essentially to pick a different plan? Absolutely, Absolutely. And I find out all about their health, all about their situation, what they're not happy with, what they are happy with, and, uh, then I find a best fit for them and a recommendation, and they, they, walk away with a 100% comfort on knowing that they have a complete, thorough understanding.
What their situation is, and we move forward based on that. So now that we know the differences between Medicare Advantage and Medicare supplement, like how does somebody decide which one of those is better for them? I ask questions that will prompt thoughts that they aren't even aware of to help. Go down that path.
And really I do that very early on. That's really the first thing that we address once we do the introductions and, get some basic information. It doesn't take long based when I based on the questions that I ask them for them to say to me, Laurie, I want an HMO Medicare Advantage plan. And I know that they understand and they're telling me that's what they would like.
And then again, I know early on they do not want someone to mandate their care and their referrals, and they are absolutely a candidate for a supplement. So we rule out, So I, what I do is I simplify it. I clarify is simplify and we go down the right path towards an end goal of a, an appropriate plan. So once you figure out that a person who's either more appropriate for them to be on a Medicare supplement or more appropriate for them to be on a Medicare advantage.
How do you determine what carrier that they should then go with or what plan specifically they should go with with that carrier? The good news is if we're going to go for a Medicare supplement, for example, those turning age 65 now are enrolling in what's called a Plan G. The good news is each of the companies has a plan G, and the benefits are the same.
The pricing is actually quite close, to be honest, because they wanna be competitive. So the benefit is the same, the cost is very close, and because of the fact that Medicare makes payment first, the 80% payment, they then electronically send the balance bill over to the supple. and they will always make that balance, 20% payment.
That's different than the commercial when they were working situation where sometimes they were told no, our carriers wouldn't pay. This is very clear cut, very simplified, very mandated by centers for Medicare. Medicare makes payment. If they approve it, the supplement will automatically pay that balance 20% on these plan Gs.
There's a very small deduct. And then it's a hundred percent coverage after. I know we had mentioned too, prescription D is so important and, and that covers the prescription or Part D is very important. Tell us a little bit more about what, what does that entail and what does it kind of cover and why is that so important?
I'm so glad you're asking that question. Uh, let's say someone, number one, I'm flipping back to the Medicare advantage. If someone chooses that route, they're going to have one ID card. They're gonna have A, b, and D all in that one plan. Different with a Medicare supplement. With Medicare supplement. It covers all your medical.
And I enroll them in a prescription drug plan, a separate prescription drug plan, and I get a list of their prescription. and I shop this on medicare.gov and I find out the best company. Quite frankly, for the lowest price, co-payments, and are there prescriptions covered? Are they on formulary? And that's a pretty detailed task.
And so, um, we make sure that we find the best fit for a prescription drug plan that should be looked at. Absolutely. Every annual enrollment period because the companies change their list of prescriptions and people change the prescriptions they take. Yeah. That's a great tip for, for all listeners that are signing up and already enrolled, is to, check annually, right?
And do a review on their, This is a journey. This is not simply a one time sign up with Laurie. This is a journey going forward. What is the monthly cost for just the Medicare plan? Part A. Okay. And I love what you're asking on that. That also triggers another important point. Medicare is free. There is no cost.
Medicare Part B, as I'd mentioned, has a cost. Now, Medicare will bill everyone who is signed up for or enrolled in a Medicare plan. Medicare will bill for Part B, and this is something you must always pay the average cost in 2022 this year. Was $170 a month per person. And the way they come up with that cost, it can vary, is social Security will do a two year look back on your combined taxed taxable earnings, what you have filed, and they will either come up with the amount of a hundred and.
It's based I, there's a particular chart in medicare.gov and I have that chart and, and I also provide that chart to my clients. So they themselves, maybe they don't wanna share their income with me. So they can go and they can actually see right then and there what will be their cost. It can go up. There are additional costs charged for a higher wage earners for that part B.
So you're asking what is the cost of part A and B? So now we know A is free. B, you do pay to medical. . And then separate from that, you're gonna choose the health plan that you're gonna enroll in with me and through me. And that either doesn't have a cost, perhaps it's an HMO plan, Medicare Advantage Prescription Drug Plan, or perhaps it will have a monthly cost, and that would be the cost of the Medicare supplement or medi-gap plan that you have chosen.
And those costs can go up over the years. So if they're on Medicare Advantage, your cost is you get part A for free, you get Part B is 170, and then the prescription plan is included with that. Yes, Under the Medicare Advantage. Now, if you absolutely, if you go down the path of a Medicare supplement plan, Part A is free.
Part B, you're paying the 170. And then how much does a supplement cost and do you have to pay for the prescription part D then? Great question. So generally speaking, when someone's turning age 65, I uh, go the carriers go by zip code and by age. So typically the just turning age 65, who's also receiving a new to Medicare discount for the first year, that will run you only about 115, $120 a.
For a hundred percent coverage and freedom to go to any physician in the United States directly. The prescription part D plan is separate, as I said, and again, I make recommendations best based on very in depth analysis of their prescription and co-payment costs. Will they have to pay a particular deductible?
That's a potential there also, so that can range from $8 a month, premium cost per month, and some co-payments. Perhaps a deductible or not all the way up to there are a plan upwards of. To a hundred a month. Generally speaking, the average is about $30 a month in premium cost. Got it. So under a Medicare, um, advantage plan, you could be at 170 a month out the door.
Yep. And, and going the Medicare supplement route, you could essentially be three to 3 75 per month for a full package plan. And we always look at the full package picture. We do go over all of those costs because of course, that's part of the budgeting and the planning. And Medicare cost is actually going down a few dollars next year.
Right. We're so excited about that. This came about because of, you've probably been reading the, in the different media regarding the Alzheimer's medication and they really projected a, a higher cost with regard to, you know, having that come to fruition. It just didn't happen. So they actually are lowering the cost in the way of the deductibles.
And, uh, the Part B costs. So we're thrilled about that. Any few extra dollars is great. We'll take it. I see so many clients nowadays that are before we used to see so many people that would wanna retire at 65, and now that's not become such a a strict target anymore. We see people wanting to retire at 60 or 62.
H obviously you can't start Medicare until 65, so what do you do if you retire early to get to this point? Then that's such an important conversation, and again, that's why I like to start with people a year prior. I mean, really anytime prior, anytime you engage in a conversation with your clients and you, you get the feeling it might be time to do that I jump on board.
The truth of the matter is if they do retire sooner than age 65 and their particular employer will not allow them even say, to go onto COBRA for 18 months and have a health plan, this happens. Then they will need to buy and purchase individual health insurance, which they're able to do, but it is very expensive and there are most often quite high deductibles and they're not happy with these types of plans.
So it does take, uh, some planning and that's why it's all encompassing. The financial arena, along with the healthcare costs is all part of the total picture. , where should somebody go? Um, outside of obviously calling you, because there, it's a lot easier talking to you than obviously trying to navigate through some of the websites.
But if people just wanna find out some general information regarding Medicare, where do they generally go? I suggest they always go to medicare.gov. And that may seem daunting, but it's a great, great website. And then, uh, people who are nearing age 65 will actually get a book called Medicare and You, but medicare.gov has everything in it that you would ever wanna ask or know, including covered services, how you sign up.
There's a search engine you type in, whatever, however you wanna word it, What is my part B cost? And you'll come up with the answers. So I highly recommend medicare.gov. So how do you get compensated then for the time that you spend with clients navigating all these hours of trying to pick exactly what plan they should go on?
How do you get compensated for that time? And that's a great question. I usually get that question at least towards the end of my first call because they get the picture that I do a very in depth, very long timeframe with regard to analysis. The way I am compensated is through the companies.
Medicare to the companies, To me, just like any other health insurance agent and health insurance product, and the great news is people aren't even aware. They do not need to shop who? Who will they have to come on board to assist them with helping them navigate Medicare because the prices are set. In other words, what I'm trying to say is if someone goes directly to Medicare and signs up with a.
They're gonna pay the same price exactly as if they even called Anthem or United Healthcare to sign up for a plan. It's the same exact price for prescription drug plans and health plans if they come to me. And they have all that added value with personal assistance. Yeah, I think that's so important because your expertise is so valuable, especially when you're able to look at their history and, and what their needs are.
And, uh, so I guess I naturally, like my next question would be is when you sit down with somebody, What does that time spent look like? What are you analyzing? What are the steps that you're taking? Well, the steps I'm taking is typically, it starts with I get a phone call or an email and always people say, Oh, soAnd so recommended that I give you a call.
And then I, that's an initial call and I don't wanna overwhelm anyone, So I basically just tell them who I am and what it is that I do, and that, you know, I, I would be very excited to become a partner as they navigate their path down into Medicare. Uh, so we have. Whatever timeframe they're comfortable with, I get a feeling about people, you know, what, what do they wanna know?
I let them ask their questions, of course, so I listen to them and then as we get a bit more in depth, they get the idea and they understand the importance of, uh, my questions and why we need to go through the steps that I'm taking them through, and they feel very comfortable and they trust me. I make sure they don't make mistakes.
Mm-hmm. , And then how should they get in contact with you? I'm pretty old fashioned and I'm a people person and I just love helping. So, uh, I love a good old fashioned phone call. Just call me on my cell phone anytime day or night on the weekend. It's all good. So I love a phone call. You can contact me through, uh, email and you can even text message me.
I'm having so many more people that we are conversing via text. Uh, people turning 65 are busy people these days. Mm-hmm. , so they multitask. So all of the. And what is your phone number? My phone number, My cell is (949) 735-4486. And I am able to help anyone in the state of California. Yeah, I think what you do is absolutely amazing and I think it's incredible because like I said, when we.
When a person picks medical insurance, I know firsthand how important it is that they make some of those right decisions, and that the decisions that they make can literally impact how long a person lives and the type of care that they get and the quality of life that they have. And making those decisions from the beginning is absolutely critical to someone's joy of retirement, and it's the second largest expense in.
So Medicare, as you just discussed, has so many layers. It's such an important factor to your retirement. Reaching out to someone that's an expert that can really simplify and make this easier, you know, is what, why don't we advise our clients to do? And it's so complex. So complex. You know, I was really confused.
I'm not gonna, This is complex. I was thinking, um, Laurie said, you know, start planning a year before I was like, I'm already gonna start planning my Medicare right now. I was gonna reach out to her. Hey, I'm. You know, what I love most, I think is I, I feel that that, uh, relaxation mode, people start out with me, obviously stressful.
Mm-hmm. obviously confused. Mm-hmm. and obviously not trusting anyone. Sure. And by the time we start down this process, I love to hear, I can hear it. I hear their aha moment where they can turn everything over to me and they know that I'll just take good care of 'em, , and I put them on my calendar each step along the way.
I. I understand that their health is their everything. It's worth gold, and it's a pretty serious topic that I've undertaken honestly. And I, I treat every person, honestly, each and every person, as if it is my own family member. If it's my own health and I can't do anything less, I, You have to love what you're doing in this business.
You must love what you're doing in helping. Well, we are beyond blessed to not only have you today, but for all the help that you've done with all of our clients throughout the years. And they've all always been so beyond happy working with you. So we thank you obviously for that. And, if you do wanna reach out to Laurie, we will put all the information in the show notes.
Um, as advisors, we do love helping people. That's why we. If you'd like to schedule an appointment with any of us, please go to our rpawealth.com and again, we will put the Laurie's information in the show notes. Uh, but please go to Retirement Plan Playbook. Thank you, Laurie. Great information. Thank you for coming on time.
It's been a pleasure to share the exciting topic of Medicare. Thank you, Laurie. That was fun. Thank you.
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