It's Enrollment Time

WEBVTT

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The topics and opinions express in the
following show are solely those of the hosts

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and their guests and not those of
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CY Radio or it's employees or affiliates.

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Any questions or comments should be directed
to those show hosts. Thank you for

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choosing W FOURCY Radio. Well,
good evening, good evening, good evening.

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Welcome to another segment of the most
awesome show in all of the land

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called Setting It Straight with Miss Gray. We have the most awesome team of

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co hosts and engineer because she's one
young lady all by herself, producing your

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way and making sure we look really
looking good. So let's pray and then

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we're gonna get the show started.
Father, we thank you, we praise

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you, we give you glory,
for you alone are worthy to be praised.

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Thank you for being with us this
week, today, yesterday, and

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thank you for even what's coming tomorrow. That you will allow us to go

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about our time and our day and
we will arrive safely, we will be

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productive, and we will head back
home safely. Father God, we interceived

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for those who are suffering. There's
so many situations, calls for prayer,

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Facebook, time for prayer. People
are hurting and they are scared. We

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can only pray that they will find
your lovliness and your hand and your open

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heart that's always ready to receive.
Now, as always, Lord, we

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are just your children. This is
your show, this is your time.

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We get behind the cross and we
ask that you set your captives free in

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Jesus name. We pray, Amen
and amen everybody. How's everybody doing this

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out there? Trade trade? I
was just saying, making a big announcement.

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I said, well, maybe she'll
join us a little later. You're

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doing. Yeah, Hey, is
it cold up there? How's the weather

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it was like in the sixties?
I think today close to seventies. I

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want to say, mm hmmm,
so we got that we had. That's

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funny one sneaky. Yeah, it
feels kind of sneaky to me because it

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keeps They keep trying to say,
Okay, it's gonna be cold in the

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morning, fifty four degrees and you
wake up in seventy eight, and that

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was in the garage. So I'm
like, well, okay, not that

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it needs to rush, but don't
catch me in the car. I got

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to try to change You'll have to
change it up depending on what colors I'm

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wearing. So they it just seems
kind of sneaky to me. Yeah,

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it's cold in the morning. It's
cold in the morning and the warms up

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and then it goes backs. Yeah
Jesus, Well, okay, well,

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it's good to see you as all
waste time. A Hey, he's not

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around. They from me, but
I can get to him, she can

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get to me. I can get
to it. Use it. But uh,

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we we have a special guess.
Yeah, you all are probably wondering.

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And we got our audience out there
and they're like, uh, there's

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always there's a fourth person. Now
he's friendly too. He's friendly. We're

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gonna introduce him in a minute.
But I've got to give a couple of

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shout outs to t r T Pressure
Cleaning. I didn't realize it's been over

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years since I've used them. I
called them today and it's trying to pressure

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clean the house and some of the
rocks of too this out front and stuff

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and they're like, okay, she
goes, you know what I got your

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It's great. I was like,
well, I didn't give you any information.

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She go, well, so I'm
sure it's caller ID and stuff.

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But she gave me a great bundle, very awesome discounted price and working with

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me and everything. So it's always
good, especially when you and people are

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loyal back and they appreciate you.
So I wanted to give them a shout

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out. And also Allegra Signs had
to change my sign outside the building again

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because all of a sudden, the
third number belonged to somebody with the iPhone.

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So she cussing out people talking about
who's on my blankety blank phone?

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And I'm like, oh, Jesus, and like my son said a resource

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you could trust that you know,
and you know you call that child.

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I said, Jesus helped me.
So Alexa signed JAD and I just she

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just laughed. She said it's great. I've never had her time. It's

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gonna be a charm. I said, well, look here, I'm going

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to Google. I'm going to Google. They can't have it, so it's

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going it will come up. The
sign. The number on the sign is

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from Tavari's and now you just figured
that out. There are no more area

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codes in Orlando or Cassimi or Palm
Beach County. I thought I could throw

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five six to one on there and
Miami none. I'm all the way into

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Barry's and there was two more numbers
left. I don't know. That is

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weird to me. So I just
perplexed the whole neighborhood. And they'll get

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over it to copy the glory.
Well, you know, belabor the time.

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I've got a very special friend who
is jeez. He's a telephone book

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of information, but he specializes and
insurance and what we're gonna talk about tonight

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because even though open enrollment has begun, before you know it, it will

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be over. There's a deadline.
They're very serious about this. So I'm

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gonna let him do what he do
best and what's on his heart, because

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I know he know the Lord and
all that good stuff, and preperly we'll

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have an opportunity for questions at the
end for our audience. But if we

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don't, we can. You can
give me the questions and I'll get them

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to him and we'll get back or
we'll have him back back on we're just

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that flexible. So well, hopefully
his time is flexible too. So anyway,

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without further ado, please give it
up for mister pastor Miguel Loma Reina

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and I probably told the destroyers last
name. Please forgive me no you did

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you get the extra brownie points for
the annunciation because you did a very good

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job. So thank you very much. So thank you very much, Mss

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Gray, and to Trey and Tommy
for having me on today. It's really

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one of those topics that a lot
of people know a little bit of and

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know a little bit of it to
become very dangerous. And one of the

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things that I always tell this story
because it's something that really affected me in

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such a way, and it impacted
me in such a way that it made

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it very clear that when I was
a kid growing up, I never said

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I wanted to be in insurance.
So this happened about in two thousand and

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three, and it deals with life
insurance and I'll get to the other stuff,

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but it really falls in line to
what we're looking for. And I

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remember where my mom when she invited
me over for dinner. I was with

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my two sons at the time,
and they were young and my mom prepared

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my favorite meal and she said,
hey, I want to talk to you

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about something that's very serious. And
I'm like, okay, no problem,

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what's going on? And she said, well, I want you to understand

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that I took care of the funeral
arrangements in the day when I pass Now,

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I looked at my mom and she
was in her mid seventies, and

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I'm like, you know what,
Mom, You're going to live forever.

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But I came across a study that
ten out of ten people die. So

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that's when I said to myself,
Okay, mom, so you took care

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of this and that's all fine and
great, but why is that so important?

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She goes, You've got a young
family, and the last thing I

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want to do is put the expense
of my funeral on you. And I

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was just like, okay. I
mean, I had a good job,

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everything was fine, and everything was
falling into place. My brother, he's

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ten years older than me, and
he was a pastor at a church and

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he was moving. He was in
Atlanta at the time, so everything was

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really falling into place. Well,
January first, two thousand and ten,

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my dad passed. I started twenty
ten having to bury my father. Well,

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during that time, I was in
the middle of a divorce, two

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sons in their teens, on the
verge of bankruptcy. My brother, he

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was going through the process of bankruptcy, and we had to deal with my

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father's funeral arrangements. But in actuality, we didn't have to deal with it

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because my mom took care of it. So everything was planned well. Come

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to find out, fast forwarding to
December of twenty ten, twelve months later,

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my mother passed away. So I
remember looking at my brother. We

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were right right at the casket,
looking at my mom, and I said,

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hey, bro, did you have
fifteen thousand dollars for all of the

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arrangements? And he said no,
and I said, well I didn't either,

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so we would have been in the
hole thirty thousand dollars. And it

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was because of my mom's proactivity.
That's when I really wait a minute,

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life lesson. This is something to
take seriously, and these are those life

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lessons that we really never want.
There's a life lesson that we sometimes don't

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want to face. And one of
the things I've always talked about is that

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insurance is a responsibility, and especially
life insurance. And I was just jotting

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down some notes that what we're doing
is we're taking care of the final expenses

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and not passing it on to our
children. And to me, that's very

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important because you just don't want to
have remembrance of your parents that I had

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to hawk everything that I have,
go to pawn shops or sell certain things

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so I can at least bury my
parents or a loved one. You just

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know, and that's something that we
have to prepare. And a great answer

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to or a good definition of insurance
is that we're passing on the expense from

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a family member to an insurance company. So that's why you're paying the premiums

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for it. And it's unfortunate because
when we do get life insurance plans and

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things start to get tight, the
first thing that goes is the life insurance.

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And my question is why would you
do that? But we always find

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reasons why we make those kind of
adjustments when we really should think besides ourselves

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and saying, okay, you know, if something does happen, I'm going

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to take care of it. And
to me, that's why it's so important.

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But that's how I got into the
insurance business, and this is how

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I started to really dig deep to
find out how I can help. And

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I found myself being prepared for this
kind of career solely because I was in

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the restaurant industry for twenty six years, so I was around people, so

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I was able to help people feed
them. But that really wasn't fulfilling me.

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It kept leaving a void in my
heart. And this is where I

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started to really look for ways to
help people. That's what we're called to

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do, to be servants. And
that's when I said to myself, Well,

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if the restaurant industry is not doing
it for me, how can I

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help the community. Well, insurance
is a monster, it really is,

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because there's many different types of insurances
right now TV commercials ever read two and

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a half minutes. You're seeing Medicare
commercials. And we can't forget the phones

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too, as well as mail.
And it's so amazing that these insurance companies

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remember who you are during this particular
time and it's from October fifteenth through December

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seventh. They're like, oh,
miss Gray, hey, we remembered you.

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Come join our insurance company. And
that's basically what they do what most

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Now that I'm going to do a
little shift here and talk about Medicare.

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Medicare is a government insurance company.
Now I call it an insurance company because

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they provide insurance for theoretically the seniors. What most people don't understand is that

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you can't qualify for Medicare not only
if you turn sixty five, but you

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also qualify for Medicare if you've had
the disability for two years or more,

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or if you can qualify for Medicare
if you have ND stage renal disease or

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als. So those are ways that
people qualify for Medicare. And I have

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a nineteen year old Medicare client,
So it goes to show you that Medicare

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is not just for the senior community. So a lot of people right now

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get confused because you have all of
these commercials of well, you know,

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if you join our company, we'll
give you a rebate or we'll give you

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back your money. But my question
would be is, well, if you're

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going to give me back my money, where do I lose it? And

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a lot of it, a lot
of it is based on doctors, and

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what people people don't understand is that
Medicare gives a certain amount of money to

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the insurance company for your care.
A lot of these companies that you see

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that are advertised are known as Medicare
advantage companies. Now on Medicare advantage companies

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do have a bad rap, and
that is that if you sign up for

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a Medicare advantage company, you're going
to lose benefits. That's not true.

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Medicare advantage companies or private insurance companies
who offer Medicare advantage plans, they sign

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a contract with Medicare, also known
as the Center of Medicare and Medicaid Services.

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And what they do is they say, well, Medicare rights the rules,

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these are the rules. What are
you going to do? So the

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private insurance companies that you see on
TV the different And I don't want to

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put in a plug because I want
to keep this on the level. Here.

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These private insurance companies are saying,
well, we're agreeing to offer the

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same benefits as you Medicare, but
what we're going to do is we're going

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to give some extra benefits. See, Medicare doesn't take care of dental,

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vision and hearing. Private insurance companies
offer those benefits as an add on to

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it. So this is why you
really have to really do your research by

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which companies would be the right fit
for you for those who qualify for Medicare.

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But one thing I'm a firm believer
of is watch out for the insurance

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companies that are offering you all of
the benefits, because what they can be

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saying is, will we give you
rent money for rent, We'll give you

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money for food, We'll get give
you money for your dog, We'll give

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you money for everything. But you
may need a specialist, and that specialist

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maybe seventy five miles from your house. So it's all fine and good that

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they're giving you one hundred and seventy
five dollars, but all of a sudden,

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where's the access to care when you
really need it. So this is

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why having an agent is really really
important. And I've been in I've been

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working with the medicare community for over
thirteen years. And one other thing I

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have no problem with is telling a
person that I'm in front of this plan

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is not for you. I'm not
in it for the sale. And that's

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what needs to be the difference maker, because you'll have people out there that

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are peddling, as I'd like to
call it, because they want to make

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the quick buck. The quick commission. But then when the problem comes up

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and the phone is ringing, they're
not the first ones to answer it.

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I answer my phone any day,
any time, and if I can't get

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it, I respond back to the
voicemail because that's what I'm supposed to do.

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And this is why I have over
six hundred clients when it comes to

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medicare, and it's because I call
them children, because they only call me

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when they need something. But it's
all fine and good, but needless to

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say, knowing the company that you're
involved in is so important because you can

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have these companies that start out and
in my thirteen years, I have seen

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companies come and I have seen companies
go, and there are some major players

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out there. And I know of
one company in particular that has been in

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the medicare arena for over four five
years. So that shows stability, and

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stability is the key because you don't
want to wind up like I went through

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in Hurricane Andrew, where Hurricane Andrew
wiped out the entire South Florida and you

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have all of these insurance companies that
went belly up because they didn't have the

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funds for it. And that's another
thing that you have to really look at

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is how deep are the pockets for
the insurance companies so they can pay for

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the claim. My brother just had
a kidney transplant in June of this year,

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and kidney transplants are not buy one, get ones. You know,

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they get pretty expensive. And two
years prior to my brother getting his kidney

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transplant, he ran up a bill
close to two three million dollars. So

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he was in the right plan because
when I had initially enrolled him in a

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plan and he told me, hey, my kidneys are a twenty seven percent

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function, I said, listen,
we need to make a shift and we

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need to do it this way because
and when I explained it to him,

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it made sense. Let me shift
now to right now with the healthcare right

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now, we're going through the marketplace
deadline enrollment period as well. That enrollment

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period runs from November one through December
fifteenth, and that's where a January one

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start date. And this is where
you really have to get with your agent,

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so this way you can provide them
with the updated information, so this

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way they know what subsidies they qualify
for. And sometimes you have to be

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careful because even though your premium may
be zero you're deductible, and your maximum

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out of pocket may be the same
number. So if they tell you,

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well, your deductible is eight three
hundred and fifty dollars, what that means

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in simple English is you're on the
hook for eighty three hundred and fifty dollars.

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So sometimes inexpensive sounds good, but
in the long run, it'll cost

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you some dollars. Now I've touched
on the topic of a maximum out of

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pocket, and you see that in
the medicare world, and you also see

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that in the health insurance world,
and that it means to you is that

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that is the most the most you
will pay. I call it a financial

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safety net solely because that way you
can be able to understand that you would

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be responsible for that amount of money. Once you've hit that number in a

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calendar year, then the plan will
pay one hundred percent. So this is

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why we have to really kind of
get an understanding and have to have an

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agent that's willing to work with you
explain certain things to you so this way

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you understand what where the numbers are
coming from. When you have somebody that

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says here, here's the pen sign
here, you need to say whoa let's

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pump the brakes, let's back up
answer these questions. And I spend an

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hour, hour and a half per
client because I don't want to just go

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in there say here, this is
the plan, these are the benefit,

254
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it's signed here, and then me
go down my merry way. No,

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I don't write off onto the sunset
until my client says okay, I'm good.

256
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And I've even had my clients call
my phone so they can see that

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when they call it it's my phone
ringing, not a one eight hundred number

258
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where you have to press one for
English, to for Spanish or whatever it

259
00:24:22.240 --> 00:24:27.680
is. But my that's how I
earn trust. And another way of earning

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00:24:27.720 --> 00:24:33.960
trust is being able to walk away. I'm not in it for the sale.

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I'm in it to putting the right
person in the right plant. Because

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I treat all of my clients like
they're my family members. In fact,

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I have an eighty five year old
sister, I have a seventy year old

264
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brother, and my sister in law
who's sixty nine, and I got a

265
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bunch of kids, so I'm pretty
much all over the place. But trying

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to keep tabs of everyone and what
their insurance is all about. Is very

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key, and that's why I tell
my children who have children, I say,

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what are you going to do if
something happens? And then you get

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the answer, oh, but I'm
young. That's great. I see the

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s coming out of your shirt.
But eventually, when the Create Tour caused

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the Creation to come home, you
can't say no. So you know,

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this is something that we have to
understand that if you're young and you have

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an opportunity to get life insurance,
take advantage of it. What people don't

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realize is that that little three hundred
and thirty acre piece of property in Orlando

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called Walt Disney World was all built
from life insurance. Walt Disney sold all

276
00:26:14.200 --> 00:26:21.880
of his life insurance to build what's
known as a multi billion dollar business,

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and that was because of planning.
So I know, I've I've really unloaded

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a ton of information. And the
one thing I do want to mention here

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is that just like salvation, shouldn't
be treated like insurance, like life insurance,

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or as I like to call it, fire insurance. This is something

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that we really have to take seriously
because we have a responsibility and the last

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thing we want to do is make
our kids work harder. In a world

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where we really have to work hard
and there's no need for us to make

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them work harder. And that's what
I got. We did have a question

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from country one of our viewers and
faithful viewers, and I believe reposted again.

286
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I believe he was asking, is
this across all insurances or is this

287
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across all states? I wasn't sure
which one, but is what you talked

288
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about all overall? When it comes
to Medicare all those private insurances? Is

289
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this across all the insurances? And
number two, is it across does the

290
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different states? I do? They
vary? I don't think when it comes

291
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to Medicare they do. I could
be wrong. It's got something, okay.

292
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So with Medicare, Medicare itself is
the same across the entire states,

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all the states. Now, when
you start getting involved with Medicare advantage plans,

294
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each state is designed differently. And
because we live in Florida, what

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the Center of Medicare and Medicaid Services
has done is they have divided Florida into

296
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different regions. So for example,
Volusha County where Daytona beaches that would be

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considered Region seven, and Orange County
where Orlando is Seminole County, Brevard County,

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where I live in, is considered
Region eleven. So this is how

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they've broken each state into different sections. And it's the same with the different

300
00:28:52.119 --> 00:28:57.359
states because each state is going to
be offering different benefits for different states.

301
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When it comes to life insurance,
they all have to go through the Department

302
00:29:03.359 --> 00:29:11.000
of Financial Services, which is what
controls the insurance industry, and that's how

303
00:29:11.039 --> 00:29:18.400
they're able to determine premiums and what
they insurance companies can charge. And with

304
00:29:19.240 --> 00:29:26.519
health insurance again same thing. It
would be all determined and based on the

305
00:29:26.599 --> 00:29:33.319
states and the county or the region
that you live in. I have a

306
00:29:33.440 --> 00:29:41.200
question. You said that medic care
doesn't start until sixty five. I thought

307
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it was sixty two or sixty three. Well, in actuality, people can

308
00:29:48.359 --> 00:29:56.240
retire from Social Security at sixty two
and a half. Now, social Security

309
00:29:56.519 --> 00:30:06.839
and Medicare in that particular example,
are different because retirement age. Uh,

310
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that's where that's the youngest that you
can classify yourself as retire But you can't

311
00:30:12.279 --> 00:30:22.160
qualify for Medicare either if you have
a disability for two consecutive years or if

312
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you have been diagnosed with kidney disease, and you can qualify for Medicare at

313
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any age at the at those particular
ailments. Okay, I got one more

314
00:30:33.680 --> 00:30:41.440
quick question. Okay, so what
if you've had a kidney transplant do you

315
00:30:41.559 --> 00:30:51.359
still qualify? That would depend on
the individual if they can go back to

316
00:30:51.519 --> 00:30:57.880
work. Now, Uh, that's
that's going to that what determines a disability

317
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if the per person is unable to
earn a living or if they do.

318
00:31:07.559 --> 00:31:14.400
That's a good question on life insurance
in regards to if you can earn a

319
00:31:14.440 --> 00:31:19.400
living, then you can call,
then they won't allow the disability. Some

320
00:31:19.480 --> 00:31:29.079
people with back injuries, neck injuries, diagnose with depression things, any type

321
00:31:29.119 --> 00:31:36.319
of certain mental health needs would qualify
for a disability. Now to address that

322
00:31:36.440 --> 00:31:41.839
question about borrowing life insurance, the
question now the answer is yes you can,

323
00:31:42.319 --> 00:31:47.880
but it would depend on the type
of life insurance. You won't be

324
00:31:47.920 --> 00:31:53.839
able to borrow on a term insurance
plan. Just to let you know a

325
00:31:55.039 --> 00:32:00.319
term insurance plan, to really make
it simple, it's like a buying a

326
00:32:00.359 --> 00:32:06.519
car. You buy a car with
an eight year term or i'm sorry,

327
00:32:06.599 --> 00:32:09.200
a five, six or seven year
term, meaning that you're going to pay

328
00:32:09.200 --> 00:32:13.839
off the car within five, six, or seven years. Well, with

329
00:32:13.920 --> 00:32:19.480
a term insurance, it'll allow you
to have so many, so much life

330
00:32:19.480 --> 00:32:24.200
insurance in the sense of years with
the same premium. However, if you're

331
00:32:24.200 --> 00:32:30.039
going to renew the premium on a
term insurance when that term is over,

332
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then at that point they're going to
give you a rate based on your current

333
00:32:37.599 --> 00:32:43.240
age. Now, the type of
insurance that you can borrow from is considered

334
00:32:43.440 --> 00:32:47.880
a whole life. Now, a
whole life plan will be a little more

335
00:32:47.920 --> 00:32:54.480
expensive, but what it builds is
called a cat excuse me, a cash

336
00:32:54.799 --> 00:33:02.039
value. At that point, you
become your own bank. Because if you

337
00:33:02.200 --> 00:33:08.440
have a fifty thousand dollars life insurance
plan that's a whole life and you've built

338
00:33:08.599 --> 00:33:15.359
up let's say ten thousand dollars cash
value, you can actually take a loan.

339
00:33:16.200 --> 00:33:21.160
You would pay some fees there,
but you can actually take the loan

340
00:33:21.279 --> 00:33:25.839
out and you can either pay it
back the way you want to pay it

341
00:33:25.920 --> 00:33:30.880
back, or if you don't pay
it back at the day, at the

342
00:33:30.920 --> 00:33:36.440
moment that you are deceased, the
insurance will get their money back and then

343
00:33:36.519 --> 00:33:45.440
they will pay your beneficiaries. What's
left over. Regarding the question on kidneys,

344
00:33:45.559 --> 00:33:52.119
I didn't. I didn't catch that
real quick lid. I think she

345
00:33:52.240 --> 00:34:06.200
said for kidney issues. Okay,
so one of the one of the things

346
00:34:06.240 --> 00:34:09.800
that I and I'll explain with medicare. And in fact, I have a

347
00:34:09.800 --> 00:34:17.800
friend of mine who did have kidney
failure and the insurance did help with the

348
00:34:19.159 --> 00:34:29.360
cost for her getting dialysis every day
while her kidney gained function. From what

349
00:34:29.440 --> 00:34:35.280
I remember, also my friend's wife, they ran up the bill for about

350
00:34:35.440 --> 00:34:45.519
two million dollars and they were responsible
for their deductible was twenty five hundred dollars,

351
00:34:45.639 --> 00:34:49.719
and then their maximum out of pocket
was I want to say seventy five

352
00:34:49.840 --> 00:34:52.719
hundred dollars. I could be off
on the numbers, but they're pretty close.

353
00:34:53.360 --> 00:34:59.599
So the bill was two million,
and he was responsible for seventy five

354
00:34:59.679 --> 00:35:07.519
hundred. I'll pay seventy five hundred
over two million anytime. So that's that's

355
00:35:07.559 --> 00:35:12.480
why it's always good to know what
the plan will and will not do.

356
00:35:15.360 --> 00:35:21.880
And then there was one more question
I didn't catch. I think it said

357
00:35:22.039 --> 00:35:27.320
what qualifies you for something? I
missed it. What type of things we

358
00:35:27.360 --> 00:35:35.920
should qualify for insurance plan? Okay, well, this is where this is

359
00:35:35.960 --> 00:35:44.599
where we really have to kind of
understand insurance policies. Now you'll get some.

360
00:35:45.880 --> 00:35:50.639
When my wife and I went to
apply for an index Universal Life,

361
00:35:50.679 --> 00:35:58.559
which is another type of money saving
insurance plan, my wife didn't see a

362
00:35:58.599 --> 00:36:04.320
doctor for so many years, so
they came in and did what's called a

363
00:36:04.360 --> 00:36:08.119
ParaMed where they came to the house
and they tried to find something on my

364
00:36:08.199 --> 00:36:14.760
wife because she didn't see a doctor
for ten years, and she came out

365
00:36:15.199 --> 00:36:21.719
with a clean, clean bill of
health, and and they went ahead and

366
00:36:21.800 --> 00:36:27.559
issued the policy. But sometimes when
it comes to life insurance, certain medications

367
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will trigger where you'll get declined for
life insurance. Certain ailments will also disqualify

368
00:36:37.719 --> 00:36:45.920
you for life insurance. But there's
also life insurance plans that are called guaranteed

369
00:36:45.119 --> 00:36:52.679
issue, and this is where they
will ensure you the face amount will not

370
00:36:52.920 --> 00:36:58.679
be as high as you would like
it to, but the insurance is going

371
00:36:58.719 --> 00:37:04.440
to be expensive. So you want
to make sure that with the health condition

372
00:37:04.559 --> 00:37:10.440
that you're facing, if if you
survive for the first three years, then

373
00:37:10.599 --> 00:37:14.880
you'll be fine. If you don't
see a doctor, would it mean what

374
00:37:15.840 --> 00:37:23.400
okay, yeah, that you're okay, yeah, gotcha? But when its

375
00:37:23.679 --> 00:37:31.840
so basically they'll they'll find they'll find
something. But with guaranteed insurance, what

376
00:37:31.880 --> 00:37:36.360
they'll do is if you were to
pass in the first year, what they'll

377
00:37:36.400 --> 00:37:40.280
do is they'll return the premiums plus
ten percent. If you survive the second

378
00:37:40.320 --> 00:37:45.880
year, they'll return the premiums plus
twenty percent. But then if you survive

379
00:37:45.960 --> 00:37:50.360
the third year, even with the
ailment UH, then they will pay what

380
00:37:50.400 --> 00:37:53.000
the face value is. This amount
of the face value is on that,

381
00:37:53.679 --> 00:38:00.880
so that that's how you you're They
still offer insurance, but if you've got

382
00:38:00.880 --> 00:38:08.000
a condition where most insurance companies will
decline it, this is where the guaranteed

383
00:38:08.039 --> 00:38:14.559
issues will come out and for five
thousand dollars, depending on your age,

384
00:38:14.639 --> 00:38:21.760
will be in the hundreds of dollars. So go ahead, no, just

385
00:38:22.159 --> 00:38:25.159
a question. This is I mean, this is great information I think it'll

386
00:38:25.199 --> 00:38:30.880
behoove us to have more again because
I think when people try to get insurances

387
00:38:30.960 --> 00:38:37.760
they don't understand it. I know
mine for one. And it's funny interesting

388
00:38:37.840 --> 00:38:40.320
you brought up too, because I
remember when I was my dad was living

389
00:38:40.360 --> 00:38:44.360
and I would take him to the
doctor and they would ask he had try

390
00:38:44.400 --> 00:38:49.079
care for life, military and Medicare, and then they asked is getting Medicare

391
00:38:49.119 --> 00:38:52.400
because of a disability or because of
his age, and so he was getting

392
00:38:52.440 --> 00:38:57.199
it because of his age at that
particular time. But one thing I want

393
00:38:57.239 --> 00:39:02.320
to maybe bring up what been what
types of services or other things that are

394
00:39:02.480 --> 00:39:08.599
a person who one of the benefits. So one of the things concern is,

395
00:39:08.639 --> 00:39:13.079
I know quite a few of my
friends are caregivers. One of the

396
00:39:13.079 --> 00:39:17.440
things that's costs the apu's adult protective
undergarments that they have to pay out of

397
00:39:17.559 --> 00:39:23.400
pocket, or or home health Aid
or other things that mount you know,

398
00:39:23.760 --> 00:39:30.639
mount up that that that become very
costly. What are some are their resources

399
00:39:30.760 --> 00:39:35.280
or something in the meticare that they
can qualify for because you know, I

400
00:39:35.320 --> 00:39:38.159
think some of the frustration I'm just
bringing it out is as people think,

401
00:39:38.199 --> 00:39:42.800
when you work so much and then
when you get to the point where you

402
00:39:42.920 --> 00:39:46.960
need services, it's still a cost
on top of that and you don't get

403
00:39:47.000 --> 00:39:53.159
what you thought you would be entitled
to. And that's a great question and

404
00:39:54.119 --> 00:40:02.599
it's something that I do come across
and with medicare, uh, this is

405
00:40:02.679 --> 00:40:08.760
where it comes. It's really handy
to have someone who knows the particular numbers

406
00:40:09.320 --> 00:40:19.639
when it comes to an income minimum
now there there's a status known as a

407
00:40:19.800 --> 00:40:28.760
dual eligible. A dual eligible means
that the person qualifies for Medicare and Medicaid.

408
00:40:29.320 --> 00:40:37.360
And this is where with the Medicaid
portion, uh, if the individual

409
00:40:37.480 --> 00:40:44.599
qualifies for a long term care waiver
program that along with Medicaid, they give

410
00:40:45.119 --> 00:40:51.440
so much money a month to help
absorb some of the costs of the undergarments

411
00:40:51.480 --> 00:40:57.880
that you were talking about Trey there
and and depending on the company, there

412
00:40:57.920 --> 00:41:04.639
are some companies out there that do
offer two hundred, two hundred and fifty

413
00:41:04.679 --> 00:41:09.599
two hundred and seventy dollars a month
for over the counter and those are for

414
00:41:09.679 --> 00:41:17.039
the individuals that qualify for Medicare and
Medicaid, and that's all based on income.

415
00:41:17.280 --> 00:41:23.519
Now, if the individual earns about
one thousand dollars or less a month,

416
00:41:24.159 --> 00:41:30.760
those are pretty good candidates to be
able to apply for the dual eligibility.

417
00:41:31.239 --> 00:41:36.400
So this way they can get the
kind of assistance that they need with

418
00:41:36.519 --> 00:41:40.840
the over the counter benefit that you
are referring to. But if you earn

419
00:41:40.960 --> 00:41:45.239
more than that, then that's where
you have to kind of look for a

420
00:41:45.320 --> 00:41:52.039
company that's offering so much money for
over the counter that they get an allowance.

421
00:41:52.079 --> 00:41:58.679
Some companies offer monthly, some companies
offer quarterly, and some of those

422
00:41:59.760 --> 00:42:07.639
allow violences that they give can be
used to purchase those undergarment undergarment accessories that

423
00:42:07.679 --> 00:42:14.119
you are referring to. So it's
just a matter of the eligibility of the

424
00:42:14.119 --> 00:42:19.760
individual. And we also, you
know, thank you so much. I

425
00:42:19.760 --> 00:42:22.800
mean, we're definitely going to have
to have you back on because we can

426
00:42:22.840 --> 00:42:28.079
go so many ways with questions and
stuff. But you've got to be in

427
00:42:28.119 --> 00:42:30.920
this day and age now and hope
you agree with me. You've got to

428
00:42:30.920 --> 00:42:37.400
be very creative. Back in the
day, well over forty years ago,

429
00:42:37.480 --> 00:42:43.480
in Palm Beach County, I had
we had a social service agency, Palm

430
00:42:43.480 --> 00:42:47.920
Beach County Social Service where I could
solicit if I had a client that needed

431
00:42:49.719 --> 00:42:53.639
respite, I could get anybody,
I could find the neighbor or someone to

432
00:42:53.719 --> 00:43:00.199
provide respite weekly and that agency would
pay them directly. That long that has

433
00:43:00.239 --> 00:43:04.719
gone away. You've got to be
very creative. If it was me,

434
00:43:06.159 --> 00:43:09.079
I my, you know, my
my most of my mission, which is

435
00:43:09.119 --> 00:43:15.679
dealing with my elderly I'm not gonna
be surprised to hear this request because they're

436
00:43:15.679 --> 00:43:21.480
not gonna be eligible for dual and
you know dual status. So I will

437
00:43:21.519 --> 00:43:27.639
be networking with the churches that are
open and asking. Now, okay,

438
00:43:27.719 --> 00:43:30.960
this church you've got in this city, in this neighborhood, you have eight

439
00:43:31.159 --> 00:43:37.000
elderly people living by themselves. They've
outlived their families, and I've got three

440
00:43:37.159 --> 00:43:43.679
churches here within walking distance. I
need you to adopt these families and if

441
00:43:43.719 --> 00:43:46.280
they need you're gonna check on them. And we're gonna it's gonna and I

442
00:43:46.360 --> 00:43:51.280
know they'll do it because you know, it's just we've got to be very

443
00:43:51.360 --> 00:43:55.840
creative now. So look at your
resources. Identify your social resources in your

444
00:43:57.039 --> 00:44:01.880
area. You know that do charitable
will work. Your first Baptist church is

445
00:44:02.159 --> 00:44:07.679
if there's one nearby that's a big
one. I know here, Uh,

446
00:44:07.800 --> 00:44:13.639
the one main one here received a
million dollar grant years ago and they put

447
00:44:13.639 --> 00:44:16.360
a social service. They put a
social worker in the side of the church

448
00:44:17.280 --> 00:44:22.639
to help the family. But we're
gonna have to be very creative now.

449
00:44:22.639 --> 00:44:27.239
And you know, because what we're
thinking of, who we think we could

450
00:44:27.280 --> 00:44:31.719
trust or we can rely on,
that's not in place anymore. So be

451
00:44:31.920 --> 00:44:36.000
creative. Call us, you know, talk with us. I know you

452
00:44:36.039 --> 00:44:38.679
saw us. Why you know,
I'm gonna call him pastor Miguel. He's

453
00:44:38.679 --> 00:44:43.760
pastor to me, was talking.
I'm nodding my head. We're not know,

454
00:44:43.920 --> 00:44:46.440
Tommy and Trey, we're nodding our
heads because we've been in social services

455
00:44:46.440 --> 00:44:52.320
for you know, most of our
professional lives, and we've lived this personally.

456
00:44:52.760 --> 00:44:55.000
Where I had to go and ask
and ask family, I need you

457
00:44:55.079 --> 00:45:00.440
to see me. Mom needs diapers, you know, and or go to

458
00:45:00.480 --> 00:45:05.119
the church and say, okay,
I've served I've served it all. I'm

459
00:45:05.159 --> 00:45:07.880
asking. I need you to help
me so you could go buy the diapers.

460
00:45:07.960 --> 00:45:09.480
You don't have to give me the
cash money, but I need some

461
00:45:09.559 --> 00:45:14.119
help right now. I had to
bury my mom. I had to ask

462
00:45:14.199 --> 00:45:17.559
the county because we had my mother
with her Alzheimer's, failed to pay and

463
00:45:17.599 --> 00:45:22.199
we didn't know what was going on
in the status and everything else. And

464
00:45:22.280 --> 00:45:25.639
I had to have a graveside per
funeral for her and let the city help

465
00:45:25.719 --> 00:45:30.440
me pay for that. And that
hurt me. But my mom always said,

466
00:45:30.679 --> 00:45:34.920
don't put it. And when I
go to look for the insurance policies

467
00:45:34.960 --> 00:45:37.360
and stuff, so that's another thing
too, I want to say. And

468
00:45:37.400 --> 00:45:43.280
then we got a couple about five
more minutes. If you have an adult

469
00:45:43.960 --> 00:45:50.880
parent still living, I almost don't
care about your relationship over the years.

470
00:45:52.559 --> 00:46:00.760
You have to look after them because
God's commandment honor that other and not bothered.

471
00:46:00.800 --> 00:46:02.440
That don't mean that you move them
in with you. That don't mean

472
00:46:02.480 --> 00:46:06.400
that you lay out the red carpet. That don't mean that you give your

473
00:46:06.920 --> 00:46:10.840
check to them. That don't mean
that that thy days may be long.

474
00:46:10.920 --> 00:46:16.239
That's the only commandment that's got a
promise. And trust me when I say

475
00:46:17.000 --> 00:46:21.440
he will live, you will,
you will If those who have honored their

476
00:46:21.480 --> 00:46:25.119
parents, oh we're gonna live a
long time. We're gonna live a long,

477
00:46:25.360 --> 00:46:30.719
healthy time. So you need to
do whatever you need to do.

478
00:46:30.719 --> 00:46:32.880
Don't go in there taking their assets. Don't go on there wonder what's left

479
00:46:32.920 --> 00:46:37.480
in the will. Don't do that
stuff. Come on because you will be

480
00:46:37.599 --> 00:46:45.360
held accountable outlive you. I just
want to throw something in that just to

481
00:46:45.519 --> 00:46:50.320
piggyback, and I think while we
have the platform, you know it will

482
00:46:50.400 --> 00:46:57.239
behoove. Churches on. Faith based
organizations start a senior out out outreach ministry.

483
00:46:57.679 --> 00:47:00.679
Do APU drive if you do pull
up drives or something. We do

484
00:47:00.719 --> 00:47:06.159
stuff for children babies, a diaper
drive, pamper drives, whatever drives,

485
00:47:06.280 --> 00:47:09.400
But do those too for not just
foreseeing, but people who are in continence,

486
00:47:09.480 --> 00:47:14.760
because it is costly. Those things
are very, very very expensive,

487
00:47:15.320 --> 00:47:19.480
and so and if you can't afford
to change yourself on a regular then at

488
00:47:19.559 --> 00:47:23.440
leads to other stuff rash and open
wounds and all this other stuff that we

489
00:47:23.519 --> 00:47:29.559
can't even fathom. And they're seniors
out there suffering and people do not know

490
00:47:29.639 --> 00:47:32.320
that. So I just want to
put that out while we're all talking about

491
00:47:32.360 --> 00:47:36.760
it, someone out there maybe start
that. How do the teens get involved

492
00:47:36.760 --> 00:47:42.480
as a youth project to donate or
raise it or whatever to solicit things like

493
00:47:42.559 --> 00:47:47.920
that for our seniors in the community
that don't have a resource, and we

494
00:47:47.960 --> 00:47:52.840
can do it cross state, cross
county. Get in touch with us,

495
00:47:52.039 --> 00:47:55.880
we'll do it. Will have to
You're right, because it has to happen.

496
00:47:57.320 --> 00:48:00.679
It's real, this is a reality. Two less than two minutes.

497
00:48:01.119 --> 00:48:07.920
If you want to just say an
encouraging word, please do so. And

498
00:48:07.199 --> 00:48:10.199
if it's okay, we're gonna have
to have you back, because I can

499
00:48:10.239 --> 00:48:15.800
see that people are really talking and
they're gonna share this program and people are

500
00:48:15.800 --> 00:48:19.480
gonna have more questions, so please
take it from here. I'm gonna be

501
00:48:19.559 --> 00:48:22.920
quiet and thank you Miga. I
just want to say thank you so much.

502
00:48:22.960 --> 00:48:24.800
You made it. You just kind
of broke it down. Thank you

503
00:48:24.880 --> 00:48:30.199
so much. You're welcome. I
appreciate all the information that you're giving.

504
00:48:30.280 --> 00:48:34.880
You have no idea. While the
thing was coming up, I said,

505
00:48:34.920 --> 00:48:37.679
oh God, I gotta give a
pay it because I've been jotting down the

506
00:48:37.800 --> 00:48:42.599
things that you've been giving us,
and you broke it down to the point

507
00:48:42.599 --> 00:48:47.199
that now I kind of better understand
it. I'm sick of people calling my

508
00:48:47.320 --> 00:48:54.239
aunt because I'm a caregiven for a
ninety five year old. I'll be we

509
00:48:54.280 --> 00:48:59.920
can't hear you. We can't hear
you. You're a mute. I'm mute.

510
00:49:00.719 --> 00:49:05.039
Yeah, you're muted, all right? Can you hear me? Now?

511
00:49:05.440 --> 00:49:10.159
Yes? Real quick. If people
call and they're saying if they're from

512
00:49:10.199 --> 00:49:16.000
Medicare, they need to say it's
illegal for you to call me. Ooh,

513
00:49:17.119 --> 00:49:24.159
it's illegal to call because Medicare does
not permit solicitation. And when people

514
00:49:24.239 --> 00:49:29.039
call and say, hey, do
you know that there have been changes to

515
00:49:29.119 --> 00:49:35.559
Medicare, well, the only changes
is the part be deductible and the premium.

516
00:49:35.880 --> 00:49:39.039
Those are the only changes that they
need to know, and if they're

517
00:49:39.079 --> 00:49:46.480
starting to push any other product that's
a form of solicitation, highly highly frowned

518
00:49:46.559 --> 00:49:52.960
upon through medicare. Thank you,
Oh my god, thank you. Oh

519
00:49:53.000 --> 00:49:57.920
wow. All right, well that's
our time, y'all. We're going to

520
00:49:57.960 --> 00:50:00.840
have him back. I will be
talking with of asap in the next twenty

521
00:50:00.840 --> 00:50:05.239
four hours to get him on a
Monday night for this month. We're not

522
00:50:05.239 --> 00:50:07.079
gonna let it go into the next
month. We will get him back on

523
00:50:07.119 --> 00:50:13.199
this. You let people know,
share this video, share the podcast,

524
00:50:13.360 --> 00:50:16.119
and I'm sure we're gonna have plenty
of questions on the next round. That's

525
00:50:16.159 --> 00:50:20.360
our time, guys. I'll see
you next week. God bless you all,

526
00:50:20.400 --> 00:50:23.519
and thank you Pastor Miguel as always
you less see you next week,

527
00:50:23.599 --> 00:51:00.119
same time, same station. Bye
bye. S