Inside Marcy's Mind
Neta Wenrick Reveals Medicare's Hidden Benefits and Crucial Coverage Insights
Think you know everything about Medicare? Think again. Join us as we welcome Neta Wenrick, the Medicare Diva, who debunks common myths that could cost you. From the surprising international coverage of Medicare Advantage plans to the critical need for travel insurance, Neta sheds light on what you really need to know as you approach 65. Discover why having a solid supplement plan is essential for items like hearing aids and learn the real story behind emergency coverage while traveling abroad. This episode promises to arm you with knowledge to confidently navigate your Medicare options.
But that’s not all—we're diving deep into the nitty-gritty of Medicare coverage itself. Understand the distinctions between long-term and custodial care, and why planning ahead with long-term care policies is crucial. We also break down the differences and perks of Medicare Supplement and Advantage plans, clarifying one of the most confusing aspects of Medicare. Whether you’re looking at veterans benefits, Medicaid, or additional insurance, we highlight why consulting a local expert can make all the difference. Don’t miss this comprehensive guide to optimizing your Medicare choices.
Think you know everything about Medicare? Think again. Join us as we welcome Neta Wenrick, the Medicare Diva, who debunks common myths that could cost you. From the surprising international coverage of Medicare Advantage plans to the critical need for travel insurance, Neta sheds light on what you really need to know as you approach 65. Discover why having a solid supplement plan is essential for items like hearing aids and learn the real story behind emergency coverage while traveling abroad. This episode promises to arm you with knowledge to confidently navigate your Medicare options.
But that’s not all—we're diving deep into the nitty-gritty of Medicare coverage itself. Understand the distinctions between long-term and custodial care, and why planning ahead with long-term care policies is crucial. We also break down the differences and perks of Medicare Supplement and Advantage plans, clarifying one of the most confusing aspects of Medicare. Whether you’re looking at veterans benefits, Medicaid, or additional insurance, we highlight why consulting a local expert can make all the difference. Don’t miss this comprehensive guide to optimizing your Medicare choices.
Hello and welcome to Inside Marci's Mind. My name is Marci Backus and I am your host. Welcome to our fifth episode. I'm excited to share with you what's going on and what's happening in my life. We have a great guest host this week. We have Anita Wenrick, who has appeared many times on my other podcast, aging Aid for Sissies, but this will be her first time here and I'm happy to have her again.
Speaker 1:We're going to be talking about Medicare because she is the diva Medicare diva and she's got great information. So sit back, relax, listen. You know what, if you are too young to think about Medicare, you might have somebody in your life that is not a parent, a grandparent, somebody that's reaching that magic age of 65. We give you a lot of great information here, so you're never too young to listen, all right? Well, hi everybody, and I'm very excited to introduce one of my very good friends, nita Wenrick, the Medicare diva. Nita was on the other podcast several times and she's one of our most requested guests on the podcast. So now that we're on Inside Marcy's Mind, we're going to invite Nita into Inside Marcy's Mind, and it's a scary place, nita, to be in my mind. I already know that. So welcome to my to my scary mind, but we're happy to to have you.
Speaker 1:I think Nita and I are going to do a little back and forth today about, um, medicare myths and uh, does that sound good? Nita, is that perfect? Yeah, she's the perfect person. I have the perfect question to start. So I don't know about some of you out there, but one of the things I've heard from other people um, I'm not on medicare yet Craig is Craig has an advantage plan. I've heard through some of my friends and rumblings of if you have an Advantage plan and you're traveling out of the country or you're somewhere else, that you don't get taken care of. So is that a myth or is that a fact?
Speaker 2:That's actually a myth. So the way it, we have the two kinds of plans. So we have the supplement plans, which pay a little more for and they do They'll cover you any place in the country for anything Right. You go to any hospital, any doctor that takes Medicare and they'll cover it, and that includes emergencies or whatever Out of the country. Most of them will cover up to $50,000 in emergency coverage, lifetime and with like a 20% copay and a deductible. So that's the maximum you can get is that $50,000 for your lifetime, with the Advantage plans when you're limited to a network of doctors and hospitals and such in your area, however, for emergency or urgent care any place in the world. So whether you're traveling in the United States or outside the country you are, most of the plans cover you at 100 percent.
Speaker 2:Wow. So not all, and so I have to, you know, put a caveat there but the plans, all the plans that I sell, that I work with, cover 100 percent for outside of the country. You know I still encourage people to get like a travel policy, just in case, because if you know God forbid, you didn't make it, it you died, they will not ship you back home, right? Yeah, because I asked somebody what I said. I called because somebody asked you being extra shipping yeah, I went.
Speaker 2:I went, well, I don't know. So I called the company, the carrier, and I said would you know if the person died, would they ship the body back home? And she started laughing. She goes. Well, since we only cover live people, she said no, okay, so you know, just in case, or if you had a dental emergency or something. So they're not that expensive, you know. So I always encourage people. Yeah, I would with any, anytime you travel, if you want to be shipped back home.
Speaker 2:Yeah, make sure you get about, but anyway so yeah, so that's actually I never thought about the shipping back home fee. Yeah, yeah, so you know, if you don't want to have to come on a cargo ship or something.
Speaker 1:So it sounds like actually it's. The Advantage plan is actually better than just straight Medicare when you're out of the country.
Speaker 2:Yeah, Now, if you just have original Medicare, it doesn't cover emergency care outside the country at all, so that's that's why you want to.
Speaker 1:So if you're a traveler and you're over 65, you want to either have an advantage plan or you're you want to make sure you get that insurance, which always just I don't know I have a thing about. I know they're important and I know we have to do them, but when you go to rent a car about I know they're important and I know we have to do them, but when you go to rent a car, all that that fear mongering insurance makes me crazy. Yeah, I get it, I get it. You know, and that's one of the things I checked with my credit card company, with American express, you're covered when you rent a car and it's like that's all I ever use and I don't buy all their extra insurance and I can see where.
Speaker 1:I want my body shipped home. I'm just saying I don't want to be left somewhere. Make sure, yeah, I won't be left in Germany this December, all right? Well, that's a good one. There's another one that everybody thinks that they're going to wait to get their hearing aids when they get Medicare. What about hearing aids and just a straight Medicare plan, if you?
Speaker 2:have just original Medicare, which is parts A and B. No, that's why, again, why we want somebody to find a really good supplement plan. So with pretty much all at least all the plans I work with there is hearing benefits, and so you get a hearing hearing test every year, which I encourage people to do, because it's not just testing your hearing, it's making sure your ears are healthy, that there's nothing weird going on. There's, you know, nothing strange. So that's, I think that's a good part of keeping your body healthy, right, so you're covered for that. And then also, usually it's every every two years you can get a pair of hearing aids, and it depends on the plan, they run anywhere from $500 each to, you know, $800 each or $1,200.
Speaker 1:But if you don't have insurance because I know the ones Craig got he paid $400 each on his Advantage plan, but they would have been a couple thousand dollars, yeah, yeah, so he not had the Advantage plan, exactly so you want to?
Speaker 2:Yeah, so they all of the Advantage plans that I work with and most of them, I think, in the country cover hearing dental vision. It's not a dental especially. It's not a huge amount but it's better than no coverage. But the hearing benefits are really good and you know now hearing aids are very you know you can tweak them so every two years. Probably don't even need new hearing aids every two years. No, you don't?
Speaker 1:I mean, Craig can email his audiologist and he tweaks them on. The guy can tweak them on his own computer and it changes Craig's hearing. Yeah, I mean that's crazy, you don't even have to go in. Yeah, so Although he likes to cause. It's just across the street and he likes to complain, but oh yeah.
Speaker 2:So there are, yeah, almost all the Advantage plans have hearing, dental and vision, and then the supplements too, depending on the only. Well, yeah, some of them don't have dental Medicare. Dental is not great, I don't care what plan you've got, but most of them have at least some enough dental to give you, you know cleanings and checkups and x-rays and that kind of thing.
Speaker 1:I was surprised. Craig went in um to the dentist a couple of weeks ago and he needed a crown. Same dentist I went to. I have dental insurance. My crown was $700, which was great Cause my girlfriend just in California just paid like 1100 for her crown. So with insurance, and I thought okay, so 700. So, craig, with insurance, and I thought okay, so 700. So Craig came home and I said how much was your crown? He goes well, my insurance covered.
Speaker 2:It was free.
Speaker 1:That's excellent, yes, advantage plan is really just surprising me.
Speaker 2:Yeah, I think a lot of people. It surprises them, you know we cause I people call me and they'll say oh, I heard that if you have an Advantage plan it's OK if you're healthy, but if you get sick, you know, then they're not going to take care of you. That's absolutely the first from the truth. You know most Advantage plans they cover you just as well. You are limited to a network of doctors and what I have found it's not the plan, it's the medical group or it's the doctors you know. So the plans are good, it's just getting the right doctors.
Speaker 1:Yeah, we had a great group here in Chicago and unfortunately they closed their office down. Craig and I both lost our and they were surprised the office itself. It was very sad and we had to find so I just found a new doctor who I absolutely love and I feel very I had to pick a new group and all of that. And Craig the advantage plan picked it for him and he hasn't seen that doctor yet. But our group before was great. We got our referrals, craig got referrals, all the things. Anything he needed was taken care of going through his Advantage plan.
Speaker 2:And he doesn't like the doctor that he they picked for him. He can switch, and he can switch every month, you know, until he finds the doctor he wants.
Speaker 1:So it's. It's so important to find. It broke my heart because we've been here now two years, which I know is hard to believe. I can't believe. I've been in Chicago for two years and we just loved our group and, like I said, they took great care of us and then here to start all over again. But I feel very lucky where I went and I we're going to check and see if that doctor is in his advantage plan and he can go as something I have to do today. As a matter of fact, it might switch him over because he was really great.
Speaker 1:But another question I have about advantage plans. Like Craig's advantage plan doesn't cost him anything, it's a zero pay. We get $65 a month that we can use towards our mortgage. We could use. I use it. I put it towards our electric bill. So before it was a thing that was just groceries, I could use it at the grocery store and now I can use it anything. So I just put it towards. I just go on my electric bill and it's a visa number and I just use it for that, to help with our utilities. And that's what this is for. We get every four months. It used to be every three months, I think it's every four months. We get like a hundred dollar credit at CVS that I order things online. It's amazing what these plans have to offer and how does that all work. If we're not paying, who's paying?
Speaker 2:So the way it works, so you are paying for your Medicare Part B premium, right, you've got to pay, no matter what. You've got to keep paying that and that you know it starts about $175 a month and then it can go up from there depending on your income, and that's a whole different story. That's called IRMA and it's a whole different thing. But basically you pay your Part B premium.
Speaker 1:Some Advantage plans have a little bit of a premium Right, I think we paid $15 when we were in LA with Kaiser.
Speaker 2:Yeah, yeah, so it just depends on the plan, but none of them are over like 40, $50 at the max. So the way it works is kind of in a nutshell is Medicare gives whatever your plan is, UnitedHealthcare, SCAN, whoever it is they give them a chunk of money every month to take care of you.
Speaker 1:Okay, everybody's asked me that Cause. I'll say, well, our advantage is well, who's paying for it? I'm like, well, I felt like an idiot. I'm like, well, I don't know, but it's not me.
Speaker 2:Well, and the thing that people don't realize is like with supplements, which are great, and I have a lot of people on supplements. They want that flexibility. They pay, you know, anywhere from 160 to 500 a month, depending on their age and the plan, um, but they and that with those you have to do billing and all of that. With the advantage plans there's no billing. You'll never get a bill. You get an, an explanation of benefits, what they paid, what eob yes, and. And what always kind of scares me is when I get what especially my husband's medications actually cost and what we paid, which was usually like nothing.
Speaker 1:Right.
Speaker 2:So you don't have that paperwork, that back office stuff going on. So that saves a little bit of money there, and you know. So that's that's how it works and, um, I mean we pay for it a little bit.
Speaker 1:You know, with our, our stuff, with our well, that that makes sense, that that helps me to understand that.
Speaker 2:So, and that's why you are limited to a net, a group of doctors, because they pay that money to them, or Memorial care, whoever the medical group is, and then they dole it out to whoever they need to do.
Speaker 1:Oh, that makes sense. Okay, so that that totally makes sense. I wondered that now I can intelligently answer that question. Yes, I tell people to listen to my podcast. There you go. Yeah, what other myths do you think are out there? That is a standard myth.
Speaker 2:Um, a lot of people will call me and I work with. You know I work with seniors and sometimes they are caring for mom or grandmother even, or aunt or somebody, uncle, dad, and they will call me and say my mom has Medicare, but we have to, you know, going to have to put her in assisted living or skilled nursing, long term care. What does Medicare pay? And I go Medicare pays nothing. Medicare will continue to pay for medical costs. But if it's what we call custodial care, meaning people are caring for her, that that's, you know, doing bathing, dressing, meals, all of that Medicare does not cover that. It for skilled nursing, long term or skilled nursing If you are, like in the hospital and break a hip and need to go for rehab, all plans cover at least 20 days.
Speaker 2:Cover 20 days because that's what Medicare pays, a hundred percent that first 20 days, after that from day 21 to 100, depending on your plan, and, like my plan covers the whole hundred days and so so that that next 80 days. Sometimes there's a copay $50, $200 a day. After that, after a hundred days, medicare says, okay, you're not getting any better, this is not rehab anymore, this is long-term care and they won't pay anything. So you have to. You know people have to look at that ahead of time. You know, don't wait till mom's got to go into something, some facility, some community, and try to figure it out. There are some veterans benefits that might help. Medicaid sometimes will help. Here in California it's Medi-Cal, so Medicaid can cover some long-term costs, but that's it's. Unfortunately it is a very it's kind of a no man's land when it comes to healthcare, because it's not really healthcare, you know.
Speaker 1:Right Now you're just talking about your care, which we're all supposed to plan for.
Speaker 2:Exactly so, you know. Make sure when you're talking to your financial planner and especially if you're young enough, you know look at a long-term care policy.
Speaker 1:I wished I had bought a long-term care policy when I was young, and if you're young and you're listening to this honestly, I know it seems like a long time away it's going to hit you before you know it and you can afford it. When you're young it's, the premiums are going to be a lot less and it is a if you're, if your company offers one that you can take with you. Whatever that is, I am telling you people, that is the best place you can put your money.
Speaker 2:Exactly Because here in California we're looking at, even for the small little six bed boarding cares you're looking at starting at like two thousand three thousand dollars a month, yeah, and then going up from there, I mean we have places that are ten thousand dollars.
Speaker 1:Oh yeah, We've got more. Whatever's the one on the hill over there, and oh Chris.
Speaker 2:Yeah, yeah, yeah, yeah, you know, but it's. I mean, I love Crested Via, it's a great place, but yeah, so that's one thing. People really especially young people, really don't understand about Medicare.
Speaker 1:They just think they're going to get Medicare.
Speaker 2:Medicare is going to take care of them for the rest of their life, and it's not medically, yes, but custodial care, no yeah.
Speaker 1:You know your, your housing is still your responsibility.
Speaker 2:Yeah, and that type of thing. Okay, let's see. I have a lot of people that I had a lady in particular several years ago. She was turning 65 and she has metastatic breast cancer and she called me. She was a referral from another client and she said they're not going to accept me because of my cancer history. And I said they have to accept you because the way it works, when you turn 65, when you age into Medicare, we have what's called guaranteed issue, meaning they will not look at your medical history, the Advantage plans they never look at that. That's automatic. It doesn't matter what you've been through, they're going to take you.
Speaker 2:But with the supplements people think they're not going to accept me. You know, because of my history. I said yes, they will. She didn't believe me. So she was paying about thirteen hundred dollars a month for a plan with a particular company and so we looked at the same company because she liked working with them. Of course they accepted her no questions asked. You don't have to answer any health questions, they cannot get your medical records and they cannot deny you. And we dropped it from $1,300 to $130 a month.
Speaker 1:Oh, that must have been just thrilling.
Speaker 2:Yeah, it was wonderful, it's one of my best stories. So, and she's now, she's still around, she's getting, you know, good care and able to to thrive because she has good medical care. So that's one thing. People think that they're not going to be able to qualify.
Speaker 1:Let me ask you a quick question. Can you do a quick information on what's the difference between? Because we've been saying the word supplement and we've been saying the word advantage and some people think those are interchangeable, some people think they're the same. Can you give us kind of a quick idea on what they are and how they're different?
Speaker 2:Yes, so that, as I said, we start with Medicare parts A and B, and that's a whole nother story about how you get those. But so you have parts A and B. That's called original Medicare. You get your little red, white and blue card that has your funky Medicare number on it.
Speaker 1:At least it's not your social security number.
Speaker 2:No, they changed that, so thank goodness. So it's got a weird number and then your effective date. So we take that and you can keep it. We take that and you can keep it. But again there's it covers only 80% of your medical bills. So you are then responsible for at least 20%, and the reason I say at least is because they can tack on more. So it can be more than 20%. So you think of a? Yeah, you think of a especially. So it can be more than 20%. So you think of a? Yeah, you think of a especially.
Speaker 2:I always go back to COVID, those huge medical bills people had, and I mean that could be thousands and thousands, thousands of dollars. So we don't want that. So there are two, really two, ways to go. One is with what is called the Medicare supplement, which is, and it's, it's. There's all kinds of companies blue shield anthem, united health care, um humana. There's a bunch of them. There's some that we don't have in california, but they, what it, how it works, is medicare is your primary and this is your secondary. So medicare covers first, and then they bill your insurance, your other insurance. There is a premium attached to that, and it depends on where you live and what plan you get. But they're starting here in California around one hundred and sixty dollars a month and then they usually go up around your birthday. But we call them Medigap plans because they cover that 20% plus.
Speaker 1:Okay, that's why they're called the Medigap plans. Medigap that 20% plus.
Speaker 2:Yeah, if you hear Medigap, that's the supplement plans, and they also most of them have some dental, vision, hearing, gym membership. Some of them have over-the-counter benefits, like you were talking about, travel, emergency care. There's all kinds of different things that they might include, some added benefits that Medicare original Medicare doesn't have. And you can choose your own doctor on those?
Speaker 1:Yes those you can go to any doctor, kind of like a.
Speaker 2:PPO, then Well, ppo is actually limited to a group of doctors for provider organization. It's different than an HMO, but Okay, so you have doctor choice.
Speaker 2:Doctor choice. You could go to Cedars-Sinai, you could go to Mayo Clinic, wherever you want to go on these plans. So with an Advantage plan, again, you still have to have Medicare A and B in force. And oh, and then with the supplement, you have to have a prescription drug plan to go with it. Okay so, and that can range anywhere from 40 cents to $135 a month, depending on the plan. Okay so, so that you're looking, you know, about conservatively, $400 a month for that type of Medicare, depending on where you are. I'm talking kind of California.
Speaker 1:Right, right yeah.
Speaker 2:And some people want to do that. They're happy to do that. They want to be able to go to any doctor they want and hospital, and that's fine. But the Advantage plans are most of them have no extra premium, no added premium. Like I said, some of them have maybe up to forty, five, fifty dollars. It's a minimum. It's a minimal, um. It includes the prescription drug plan and very often the medications are cheaper on the advantage plans than on the freestanding prescription drug plans, which I don't understand, but that's the way it pans out.
Speaker 2:Who understands how drugs are priced, oh, and you know what. And it's going to get weirder. Come and the fall. It's going to get weirder.
Speaker 1:We'll talk about that in the fall, and I think in the fall we'll have you on again to talk about drugs.
Speaker 2:So with the Advantage Plan, you do have to have a primary doctor and you do that, you did have to get referrals and you are limited to a medical group of doctors. But the good thing is, you know, I don't know, some places don't have a great, you know medical groups. You are in a place that has great medical groups. I'm in a place that has, you know, lots of medical groups, right, with lots of doctors. So you also get dental, hearing, vision, over-the-counter gym membership. Most of them have transportation, transportation yes, that's an interesting thing.
Speaker 2:Yeah, so to go to and from. Most of them are to doctor's visits or to pick up prescriptions. Some plans will cover going to the grocery store or that kind of thing. Um, you also have, um, what else are there? Some of them have, like, uh, added benefits, like what you have to pay for rent or utilities. Some of the plans will, um, depending on what your diagnoses are, um, pest control. One of my plans will cover, if you're in the hospital, they'll come and take care of your dog. You know, make sure your dog gets fed and a pet.
Speaker 2:It's part of it. Only one does that that I know of um some of them. I'm trying to think of what else they have. Oh, one of the plans that I work with, um, they have a. It's between five and eight hundred dollars a year, depending on the plan. You pick a reimbursement for things like green fees, or if there's a gym that you that's not part of your gym plan, or anything kind of related to outdoor, to sports, and that sort of thing. I guess batting cage, you know that kind of thing and you just turn in the receipts and it's a reimbursement.
Speaker 1:So there's all kinds of great resources so you really want to shop those types of plans, you really and I'm going to go back to this again and in my other podcast we've talked about this.
Speaker 1:but you really want to talk to someone like nita in your area and and nita, I'll put up your information on my new website. Inside marcy's mind, it is on my other website, which is aging8forcissiescom podcastcom, but we'll make sure your information is up there, because that's the other thing. You need to talk to a professional like Nita. Do not call an 800 number and think you're going to get the quality of information that we just got from Nita here, nor the personal attention that Nita or her people that do what you do the Medicare plan, insurance people and Nita nobody charges us right.
Speaker 2:Right, we cannot charge you anything, so it's totally free. I personally am licensed in California, oregon, idaho, nevada, arizona and Hawaii, but, as Marcy knows, I have people all over the country that are my colleagues so I can refer you, I mean we were referred to a great guy here in Chicago from Nita who did the exact same thing.
Speaker 1:But I want you to think about that. Think about calling an 800 number with somebody who just got the job yesterday and is sitting there with a book in front of them for to answer your questions. Or having someone like Nita, who this is their. For Nita it's a passion, it's not just a job, it's a passion, and I'm guessing for a lot of people it is, and they walk you through. She asks you the question, she makes sure that if you have a pet and you're alone and you don't have family, may talk to you about that advantage plan that's going to help you with your pet if you end up in the hospital. I mean, I would never have thought that or would have ever thought that those kinds of things are possible. But, nita, absolutely you need to talk to a professional. Is there any other myths that you can think of?
Speaker 2:Well, the people think that medicare is for people only 65 and older, and generally that's the case. However, if you have been on disability for two years, you can get on medicare. So I have a client she's actually a nephew of a very good friend of mine up in northern california who's been on disability for a long time, so I was able able to help him get a good Medicare plan up there. It's a little trickier up in Wairika, but we did it.
Speaker 1:I know we're Wairika. I've been through Wairika many a times on the way to my parents. It's almost to Oregon.
Speaker 2:Almost, not quite.
Speaker 1:Yeah, it's almost, you know you're getting close to mom and dad when you were in YRICA.
Speaker 2:We all. So you know. But also, if you have end-stage renal disease or Lou Gehrig's disease, als, you can get on Medicare at any time, and which is a sad thing, but you know, I mean young people. We know young people get diagnosed with those kinds of things all the time. Yeah, and that's good information here Take really good care of them.
Speaker 2:One thing that most of the advantage plans have now is some in-home care. So if you need help with bathing and dressing, that kind of thing it's not a lot of hours and it's usually after a hospital stay you can get some, some care to come in. Also, some of them have respite care. So if you're taking care of you know someone that's taking care of you, a loved one, as if they're not paid to do it, um, then most of the plans have like 40 hours a month, a year maybe, um, they're always changing that to come in and give you a little bit of respite. So if you want, if you want to go away for the weekend or you just want to go for a couple hours, you know, to go have lunch with your friends. That's awesome to know.
Speaker 2:Yeah, not all the plans and but every year they change and every year things that a few plans had last year. You know, they kind of wait to see how it's going to pan out and then they have plans added, if they can, and what happens is they look at everything because they are, they do have a you know, a certain amount of money and they look at what's most important. That's why transportation has been added, because when you talk to especially our older seniors, that's a almost the number one besides drugs. The number one issue with them is transportation. So that's why they've added transportation and kind of released, relaxed how you can use that transportation.
Speaker 1:And I think that's so important. I mean, obviously there's Uber now and we didn't have that before, but Uber is expensive and it's getting more expensive. Like, craig and I, even here in the city, have stopped using Uber and gone back to taxis because of all the fees that Uber's added, added on. Yeah, it doesn't make it feasible anymore, but I know, like when my dad, you know, couldn't drive anymore, that was a huge thing and I think that that's that's an interesting addition. So well, as always, you have been amazing. You always have amazing information. And again, um, I'm going to put nita's information up on my website, insidemarci'smindcom, and you can always email myself at InsideMarci'sMind at gmailcom and I can get your information to Nita if you need that. But, nita, you're always full of all kinds of good information and it's so good to see you and to have you on Inside Marci's Mind.
Speaker 1:I hope it wasn't too scary in there.
Speaker 2:Oh no, not at all, not at all. So yeah, let's talk again, in the fall you know it sounds like we're going to have some things to talk about. Yeah, we're, we're already gearing up for changes, which is, yeah it, it's going to be crazy, so but I can't. I don't even know what they are.
Speaker 1:We're just hearing from our higher ups that you know, kind of back down the hatch, enjoy your summer, but it's coming, not even that. It's like start now. So we're starting to communicate with our someone in your area, because when things change and you know it's going to affect your clients, you let them know. You're not just hanging out there by yourself, and that's I mean you can't pay enough for that, and let alone you're not paying anything for it and we're here for you all year.
Speaker 2:So I have clients that call me and they'll say I got charged for da, da, da, da da. Should I have? No, you shouldn't have. So you need to call member services and tell them and get that taken care of. So, or whatever I might, how come my medications went up this month? Okay, I can look and see. Well, you hit the donut hole again.
Speaker 1:That's a whole other podcast my other podcast you can hear about the donut. We'll probably talk about that in the fall. We will, we will, because that will change. But, as always, I want to thank you for being here and thank you for enlightening us on Medicare my pleasure as always Bye.
Speaker 1:Bye, bye. Well, that was a wonderful episode with Nita. She always gives us great information. Again, if you want to get a hold of me or if you need Nita's information, it's on my website, insidemarcysmindcom. Her information is right there. You can listen to the episodes on my website, as well as anywhere podcasts are delivered. You can pick them up at Spotify, google, you name it. I'm also on YouTube. You can listen on YouTube. So if you're a YouTube person at Marcy's Mind, at Marcy's Mind, you can find all of my podcasts there, which is great. It's a great place to host my podcast. Let's see what else. If you need to get a hold of me, you can get a hold of me and inside Marcy's Mind, at gmailcom. If you are someone that has information that you'd like to give you know, somebody that would love to be interviewed, please let me know. I'm happy to look into it and see if it's a fit for our fabulous audience. So thank you for my growing audience. This is great. Tell your friends, tell your family Inside Momsies Minds. Bye.