Ep 10 - Mastering Medicare: Essential Tips and Success Stories with Jill Santos

Master Medicare enrollment with ease and confidence! Join us as we sit down with Jill Santos from All About Medicare LLC to uncover the essential steps and insights you need when transitioning into Medicare. Jill's passion for aiding seniors has driven her to become an expert in the field, and she brings invaluable knowledge to help you or your loved ones navigate the often confusing landscape of Medicare. From signing up for Social Security to understanding Medicare Parts A and B, this episode will equip you with the necessary tools to demystify the process and ensure a smooth transition.

But that’s not all! We explore the world of private insurance plans alongside Medicare, highlighting the critical role of CMS-approved materials and the significant financial benefits of HMOs. Jill shares heartwarming success stories, like that of Aunt Dottie, who found an affordable plan without losing her trusted doctors. We also discuss the importance of personal insurance agents in safeguarding seniors from scams and offer practical guidance for healthcare practices looking to support their patients better. Tune in for an episode packed with actionable advice and real-life examples that underscore the value of dedicated insurance guidance.

THE ANGRY BILLER, powered by J3 Revenue Cycle Management

Phone: (954) 544-2706

Website: https://www.j3rcm.com/

LinkedIn: https://www.linkedin.com/company/the-angry-biller/


Production of Podcast: VISUALS BY MOMO

Transcript

Josh Fertel

00:04

Welcome to the Angry Biller, a show where we explore the people and the businesses behind the scenes of healthcare, those men and women that are the catalysts that allow providers to concentrate on delivering exceptional patient care. Welcome to the Angry Biller. We are here at Visual by Momo's studio. My name is Josh Fertel. I am your host and the owner of J3 Medical Billing. In the past we have spoken a lot about the cost of getting older in this country Home health aides, going to facilities and just the general cost of going to the doctor and taking care of yourself when you become 65 or older. So I absolutely wanted somebody with the knowledge of Medicare to come on and really talk about how they help and really the education that needs to be done. So we're very lucky we have Jill Santos. All about Medicare LLC is the name of her company, and we're delighted that you're here, hi, jill. 

Jill Santos

01:08

Hi Josh, how are you? Thank you very much for having me. 

Josh Fertel

01:11

No, we're very excited to have you. So let's start beginning with you. Tell us how this passion came about to be in Medicare. Where did it start? 

Jill Santos

01:20

Oh, that's a broad question. Well, I started back in 95 when I was only 21, and that lasted a short time because I couldn't find the relation between the seniors of that decade, and so I kind of I ripened a bit and went back into Medicare in about 2013. 

Josh Fertel

01:39

Okay. 

Jill Santos

01:40

And I just know that our seniors are ill-informed when they get to a certain age. I've seen it happen with my grandparents and now that my father is elderly, I just took it upon myself to really go back into the business full force and help my dad and also the seniors in my community. 

Josh Fertel

01:59

Right, I want to go back a little bit further. Sure At 21,. You were already interested in insurance. 

Jill Santos

02:07

Yes. 

Josh Fertel

02:09

How is that possible? 

Jill Santos

02:10

Well, I was actually an appointment setter for a good friend of mine who was the Medicare agent, and I would work a couple of nights a week to help her business out. And she heard me over the phone and booked her about maybe four to eight appointments that week and she just basically said you are doing the hardest part of this job. You need to get your license. We've all been there Right. So all the hang ups and yes. 

02:36

And don't call me so gosh. I said OK, great, and the test was in a library different back in the day, early 90s. But that's what basically started. I was a phone person setting appointments, basically. 

Josh Fertel

02:51

I want to speak to you and I really want to break this up into two sections. I want to talk about how you educate Medicare patients in 65 and older, and then I want to talk about how you help practices through this education to the patients. So what is it? What's the most glaring thing that the older population does not know about Medicare? 

Jill Santos

03:16

Where to get the information from. In some cases, some of our seniors don't have cable. They rely on maybe an internet, in some cases maybe even radio. But in regards to getting informed, you really want somebody that you like, that you can trust and that you feel comfortable with, because there's so many moving parts to Medicare. So what I say to the folks that approach me, you know they say where do I start? I don't even know what to do. When can I sign up for, I mean, social Security? Do I keep my group plan or do I take Medicare? And you know these are just real basic questions that the majority have when they are new to this platform. It is a large platform. 

Josh Fertel

04:05

So walk me through the steps. I am going to be 65 eventually, and I come to you, Jill Santos. What do I do? I don't know what to do. 

Jill Santos

04:14

Well, first, you just want to keep in mind it's all about your current coverage, okay. So let's say, for example, you're working still and you've got that 65 approaching or that 66, whatever your retirement age is. Most people would love to retire, but in reality, most of us keep working after 65. So, as long as you have coverage through your employer, that's really all you need after 65. However, if they don't offer that, then it's time to do what they normally say you need to sign up for Social Security, right, okay? So a good question for me would be you know how, when can I do that? Okay, well, you know, if you know the date you're going to be retiring, or the day you say adios, you know you want to be able to try to enroll three months prior to that date, okay, so, three months before you retire, it takes a long time, yeah, okay, that's to get the process started. That's to get the process started if you decide to leave your employer and start your retirement, meaning social security is coming soon. 

Josh Fertel

05:22

Correct, and so this is when somebody would contact you three months, 90 days or so before. 

Jill Santos

05:30

That is correct. Usually it's either by. Normally in my world it's a referral, a word of mouth. 

Josh Fertel

05:37

Right. 

Jill Santos

05:38

Yeah, that's mainly how I find folks, that well, they basically find me per se. 

Josh Fertel

05:45

No, I get it. It's all word of mouth. You have a great reputation. That's why you're here, but I want you to really walk me through the steps once you have that person in front of you. 

Jill Santos

05:54

So you've got your Social Security kicked in. What they do is they send you a red, white and blue card, and this is just a generic explanation of what it looks like. So once they receive their red, white and blue card, they should have their Part A and their Part B. 

Josh Fertel

06:09

Explain those. 

Jill Santos

06:10

That Part A is what you automatically get for free if you've worked 10 years into the system paying your FICA taxes, that's those taxes that come out of your paycheck 40 quarters or 10 years. Once you accomplish that, they automatically. Of course, when that time comes, they automatically give you the Part A, which is hospital, Hospital, hospital inpatient, Emergency, Emergency inpatient. Now that Part B, which is the doctor side, outpatient as well, that's not free. That's what is getting paid through your Social Security check. 

Josh Fertel

06:43

That's what you're paying for. 

Jill Santos

06:44

Right. So I think it's like $174 and some change every month right now for the current earner. Now, for higher income folks they are probably looking at an income related monthly adjustment amount. So the higher income folks may pay a little bit more than that For the Part B, for the Part B. So the Part B is really not free. It comes out of your Social Security check when the time's right Now. Once you have that card in place, you'll get that little fictitious number. Never, never, give that out, never give anything out over the phone. That's a big no-no. But we are now able to either shop for a Medicare plan Okay. Okay, and just to keep it basic, medicare always will cover your 80% of your Part A and your Part B. Correct, right. So it's your responsibility to find what they call a Medicare supplemental plan or Medigap plan People call it different things Correct To cover that 20% at 100%. 

Josh Fertel

07:41

Okay. 

Jill Santos

07:41

Because, in addition to the 20%, it also is going to cover the inpatient hospital deductible, okay, which can happen several times a year depending on your health status, correct. And also it'll cover and the co-pay is under the Part A and it'll also cover the 20% under Part B, with the co-insurance as well, and the deductible on Part B and the deductible on Part B, which is $230. 

Josh Fertel

08:03

Yes, Right this year. 

Jill Santos

08:04

And it goes up every year. Yes, pretty much. So what we basically do is try to keep it very basic because, as you know, they don't make it easy for the seniors. You know, we're in our slow-go years right now. First we were the go-go years, now the you know what do you call that? The go-go years and the slow go. So these folks are, you know, they think, a little slower. They still have an idea what insurance is and basically, in a nutshell, it's still 80-20, except the original site is 80% Medicare covers and we're going to pay a supplement that's going to cover that 20%. Okay, well, how much does that? How's that going to cost? What's it going to cost me Exactly? 

08:39

Exactly depending on the area. They can start as low as you know. It really depends on the area, but they normally. The standard price is about $250 to start and up and it doesn't cover the prescription. So now you have another premium and another plan, a standalone prescription drug plan that you would need to add onto that they make you take it, whether if you need it or not, to avoid any type of what they call a lifetime penalty. So there's also penalties under Part B, but we can show you how to not, you know, pass that grace period, because once you have that penalty it's for the life of the policy. That's why they call it the lifetime penalty. 

Josh Fertel

09:18

So the supplemental for Part B, let's stay there. Sure, how do you, when you're holding the hand of somebody and really guiding them through the process, how do you decide which is the best policy for them, who's the best payer and what direction to go into? 

Jill Santos

09:39

Those are great questions. In my experience I've seen folks pick plans kind of like in a compromising way because there are no such thing as the best plan. If you have an insurance agent that's telling you I'm going to give you the best plan, you might as well just start running you. Really they prohibit us to say stuff like that in the House of Robeson. It doesn't exist. There are so many plans available for each and every health need and specific personal need. It's just we just try to do a thorough, thorough needs analysis, at least try to ask some questions. We don't ask questions about the prescriptions and how many times. We just kind of go through what we're supposed to go through as agents, as we're trained, and we do find opportunities where a certain plan that they like it was a great plan. But this plan actually would be more suitable for this particular guy because he's really hurting for money and he could use that particular benefit on that particular plan. So to be fair and to stay in compliance with Medicare, there's not too many benefits I can talk about, because once we start talking benefits then you know that opens up a can of worms on the agent side. So we do have a few. You know a few things we can share, mainly on the original Medicare side. But know this, there's what they call a fork in the road. So our seniors have two choices. They can either pay for a supplemental plan that we talked about, right, you know, once the Part B is covered under the Social Security check, the supplemental premium for the GAP plan Right, and the prescription drug premium. You're looking at a ballpark of about four to four fifty a month for everything to be covered. If that's suitable for you, some people go, yeah, that's real suitable. I was paying $2,100 for my wife and I so, yeah, definitely. Or I get this other story most of the time can't afford it. I'm on a limited income and that's where we can take them to the other side of the spectrum, which is the private carriers, where they offer a $0 premium. 

11:53

So there's two sides to this. You can have a Cadillac of all cars, but if you can't afford the Cadillac and the luxury of paying for that freedom to go anywhere you want in the country and no referrals then you would compromise to the private sector. There's a few guidelines you have to follow. You have to stay within a network. You do have to find a referral from your primary if you want to see a specialist Right. And they're not interstate policies except for emergencies. So you can't just go to California and get an elective plan. Those types of private plans would be covered only under life-threatening emergencies in the country. 

12:34

So, and these plans mirror Medicare. In fact I have a lot of people that enjoy that part of Medicare the private sector and then some people just want to say, look, I travel too much, I still need to be on this side, I can afford it, I need to be here. So when we try to paint the picture, you know we listen to what they want. I am still working or I'm not working, or I'm working part time. I have grandkids. I see every couple of years or every couple of months. I listen to what their needs are and sometimes I ask them would you like for me to look up your prescriptions? Would that help you? If they say yes, then I would absolutely do that as a courtesy. But we don't go in there and say how many prescriptions? No, that's very innovative and they don't like us to do that. 

Josh Fertel

13:25

No no. 

Jill Santos

13:26

So the bottom line here is that I go at their pace and whatever information they leave, whatever the information they need, I share that with them. With all the approved documentation that's been approved by CMS. I can't make up any advertisement, you can't do that. We are strictly able to use the approved materials by Medicare and by certain insurance carriers, whether if they're original Medicare or not. So there's, there's just so much to this. Um, I try to simplify that, simplify it for my clients and, most importantly, try to get them comfortable. You know, because the more comfortable they are with me and I'm with them, you know, I think they're going to open up a little bit. Again, one thing I'll let you know when they're first able to get into Medicare, they're pretty much guaranteed issue. There's no health questions, so they're going to get it. 

14:22

You know, it's just a matter. Do you like the person that's sitting in front of you? Yeah, do you feel comfortable with them? 

Josh Fertel

14:28

It's something to take care of. 

Jill Santos

14:30

It's something that is like an it factor in the house. Either it's going to happen or it's not. And you know what? I still give them the information. There's no prejudice going on here. Everybody gets the same information, right. 

Josh Fertel

14:43

Yes. 

Jill Santos

14:44

Because they're Medicare beneficiaries. And one thing too, really important as of this year, they're now recording incoming Medicare calls for prospects that are looking for plans. So if somebody were to call me, there is a particular number, they would actually call to initiate that. And then from there I give them the phone number, right, and they call me back and it says this call is being recorded and it's usually under the Medicare center number. Um, but our agency is changing a little bit, so they want us to use a certain number. Happen to have. I happen to have that handy, but, um, we can certainly share that at a later date. 

Josh Fertel

15:24

We're definitely going to share it, yeah. 

Jill Santos

15:25

Um, the. The first number they can contact, you know, for any type of product or item that we offer, is my phone number 561-248-1721. 1721. Right, and they can also reach me by email, which is jill@allaboutmedicarefl@gmail.com like Florida and send me a little email there, okay, so? 

Josh Fertel

15:56

getting in contact with you is easy. 

Jill Santos

15:58

It's really easy. You know, besides Medicare, we do offer small group. We also offer marketplace, affordable Care Act Marketplace and dental as well. Okay, no, that's all good stuff, and people call me all the time, so it's great to help people world. 

Josh Fertel

16:19

$450 when you are surviving on Social Security and some small pension is a lot of money. Yeah, Do most people go through the private or is most people paying? 

Jill Santos

16:43

And well, I will tell you, it's about one third with the original Medicare and the rest is usually private in the private sector. 

Josh Fertel

16:54

Right. 

Jill Santos

16:54

Because they can't afford it. It's a lot, you know. You think about this In 1990, when I first started with Medicare in 1994. I saw them roll out the HMO, really each in myself. Now. I saw them roll it out because what was happening is our seniors only had the 80% and they were going belly up as soon as they got hit with a long-term illness. Okay, their 20% was not under a stop loss, it was at 20% to infinity. 

Josh Fertel

17:22

Right. 

Jill Santos

17:22

And the state was basically spending them down, losing all their you know, all their savings to their family, only to put them on a state Medicaid program. 

Josh Fertel

17:33

Right. 

Jill Santos

17:34

So we saw a lot of families financially devastated before these HMOs. So the government stepped in and said, okay, we're going to bring on, we're going to contract with the private insurance carriers, yes, and we want them to manage the Medicare as well. We're going to have them mirror it, but instead of coinsurance and we're going to make it into like a co-pay plan. So, in a nutshell, these private carriers are contracted with Medicare to offer the same exact benefits under their platform, their plan, and it also includes a maximum amount of pockets, right. So if they go down the creek with no paddle, they're going to be okay, They'll get a little punch, but they won't go belly up right, because they have a stop loss there. And you know it's been a lot better because a lot of families are not breaking their bank now. 

Josh Fertel

18:29

They're really depending on these private plans now and we're talking about relatively healthy people here that are going to the doctor Pretty much. 

Jill Santos

18:53

When you get into the bigger expenses and you need home health care and you need facilities, pretty much very good plans. When it comes to just a quick emergency, you know, under the original sector of original Medicare, you know you do have a little bit more leverage to call your medical shots with you and your doctor, unlike the private sector, there's more like case management on that side. So you could still get things approved, but it requires authorizations things like that. On the original Medicare side there's no authorization, right. So that's what you're paying for. You're paying not to have the hassle if something happens and you really need this to go, go, go, go go. In addition to that, having said that, the veterans are now able to pick a plan on the private sector if they just have VA and not Kaiser. 

Josh Fertel

19:42

Okay. 

Jill Santos

19:42

Okay, If it's, if it's Kaiser, we we don't touch them. That is, that's a career, that's a career military gentleman. He has that insurance for the life, Okay. Okay, so anybody else that's on a VA plan, that's, you know they're. They're now adding, they're now adding that option to get a particular private plan on the insurance, private insurance side, because the VA, with their waiting and their you know, the backed up system, like maybe eight, 10 years ago, people were dying just waiting to be treated, unfortunately, and those stories go back 10, 15 years. So now they're able to add a, you know, a $0 plan onto what they have right now. 

20:21

In fact, I just a friend of mine who's a VA he actually called me, he goes, you still writing that stuff. I said, yeah, I am Don, he goes. Well, come on over, I want to get it. I want to get it because, just in case. And he went through the ringer in Korea, went over to his house and I said, look, you could use this. If VA is dragging their feet on this side, you can go ahead and start using this plan. Oh, that's great, but they don't work together. It's one or the other right. So when I learned that, I started talking to more VAs Now. I go to these little VA events and sometimes the Medicare events. I actually have one Wednesday and I run across veterans that have no idea they can actually add that on to what they already have. Va. 

Josh Fertel

21:03

Good stuff. 

Jill Santos

21:03

have no idea they can actually add that on to what they already have. Va good stuff, yeah, so, um, it's all about education. Yeah, and again, there's just so much more information I have. But a real good um referral would just be a phone call to anyone that has just general questions. I'm here to help anybody with questions and hopes that down the road you know that'll harvest. You know they don't. You know what they don't know what they don't know. They don't know what they don't know. Right, they don't know what they don't know. That is correct, yeah. 

Josh Fertel

21:25

I want to flip it a little bit here. Sure, when you're working with a provider, how do you help them, help their patients, navigate Medicare? 

Jill Santos

21:38

Well, a lot of times we go into the office just to introduce ourself and ask them if they have a contact person for their patients okay you know, if they have any issues, I usually leave them a stack of cards. 

21:50

They the risk. The response is incredible. They're like oh my god, thank you so much. Okay, yeah, we have a lot of questions. 

21:56

So, um, a couple years ago we were working with a, a mental health care facility I don't want to really mention. But we were working with a mental health care facility I don't want to really mention, but we were getting quite a few calls from that center just because we went in there to talk to them. And you know our mental health patients. They don't have a lot of, you know, folks that they can really talk to when they need information. And a lot of times we talk to someone that is their contact person or their POA or someone that's maybe overseeing their care. Correct, but they need a little bit more cobbling, a little bit more TLC and a little bit more extra time to find that perfect or suitable plan for them. It's not a quick high and buy, no, but we go. We have in the past I've gone to different medical facilities and have let them know that we're here for anyone that has questions about their plan. Right, some people don't have personal insurance agents and they just rely on the phone or somebody that's calling them and really it makes me so nervous when they get the incoming calls because, you know, we don't know who's calling and I always tell my dad, no matter what, don't give him your birthday, don't, just don't do that, don't do that. Tell him, hold on. I'll let you speak to my insurance agent daughter, and a lot of times they you know my dad says they usually hang up on me as soon as I tell him that. But, um, getting back to you know the provider thing, we we try to encourage them to. You know, we'd be more than happy to sit here. Have you done one day a week? Yes, I have. Um, last year, 2020 no, actually it was two years ago, 2022. 

23:40

I sat, I went and visited a medical center, chen Medical. Oh, great, great contact. What organization. It was somebody I was referred to through BNI Okay, it's a little chapter I network with and she was a wonderful lady. But they were bringing in new patients and our job was to encourage people to come in. Let us look at your plan. If you already have a plan, great, make your first appointment. So I was there, just in the event someone wanted to change or maybe add a plan, because they have a special election. We don't never know what we're going to get that day. It's like you just don't know. You're just there for them and at the end of the day, we hope to be somebody's hero. You know what I mean. So that's what we'd like to do, and how do you feel? 

Josh Fertel

24:23

that benefited the practice. 

Jill Santos

24:26

Well, it gives the. It definitely gives them an uptick in their clientele. I'm sure they all have um, what do they call key performance indicator of what to reach per year, like the number of patients, the number of this, the number. So it definitely helps them grow their business. Okay, and I'll tell you this too a lot of my Medicare folks don't like to change anything. Okay, they're creature of habits, Right right. They want their same doctor, they want their same this, their same that. We do our best to find doctors that will take their plan if they go on the private sector, course. So they're not going to miss out on anything, because down here in Florida it's the retirement capital of the world. 

25:08

Correct 98% of the doctors accept Medicare assignment down here. That's a lot. 

Josh Fertel

25:14

There's two that don't. I can't imagine. 

Jill Santos

25:15

Yeah, I can't imagine either. So we're here for them and they need to know they don't have to make a decision the first day. Right the first appointment, the second appointment, the third appointment Right, it's when they're when they know what they're getting themselves into is when they're going to tell me I want this, sign me up for this Right. When I hear them say that I know I've done my job. 

Josh Fertel

25:38

That's great. 

Jill Santos

25:38

Yeah, that's, that's. That is the kicker right there. So I just talk to them and just friendly and try to get to know them a little bit, and that's it's great knowing our seniors because they've got such a rich history you know and, yeah, it's really impressive. 

Josh Fertel

25:53

Your passion absolutely comes through. And me sitting here listening to you and thank you and I love, I love the way that you, you know, want to take care of your and thank you and I love, I love the way that you want to take care of your, your clients, and I love the way, really, that it benefits the practices also that they know that their patients are, you know, just another hand, that you know that's being, that's holding their patients. 

Jill Santos

26:12

Right. Can you imagine walking into your doctor and seeing somebody that you can actually rely on? That's a feel about insurance. Yeah, that's a real feel good thing. And I do that for dentist office too, so one particular dentist office, so we're working on that as well. 

Josh Fertel

26:27

Do you have a really good success story. 

Jill Santos

26:31

I do. 

Josh Fertel

26:32

I do. 

Jill Santos

26:34

There's a couple, but I will. I've got two real quick. I'll start with my Aunt, Dottie. 

Josh Fertel

26:41

Okay. 

Jill Santos

26:41

Okay, now Aunt Dottie is an aunt by by choice, okay. Her niece is one of my lifelong friends, gotcha, okay, and she unfortunately, um, she has some issues on memory, right. So I went and I, I, I went and got ahold of her and, uh, it took her two years to contact me, okay. So her sister finally gets on the phone and said listen, I'm her contact person, poa, right, and her sister is the mother of my best friend, right. So we're in the office. She's telling me you know, jill, my husband is in a nursing home. We just moved down here from, I think, ocean City, new Jusum, maryland, up there somewhere, and I just can't afford this anymore. 

27:27

Now I'm going to show you there's two sides to these plans. She's been on a Medicare supplement Medigap plan, okay, since she started Medicare, which was, she's like, I don't know, maybe 10, 15 years ago, okay, you realize that those premiums go up every year, right, right. And she's now 70-something Right In the mid-70s. She is paying over $550 a month, right, for her Medigap plan, Right, and her prescription plan, including that Part B, right, right, correct. So she's like like I can't do this anymore, I just can't. She was crying, I can't eat food, I, I, I can't. I said okay, I need my prescriptions. I'm so nervous about losing my doctors and my prescriptions, would you know? I mean to make a long story short. We found all her doctors. 

Josh Fertel

28:20

Right. 

Jill Santos

28:21

We found all her prescriptions Okay and she gets a little more added benefits on that particular site. And for how much per month do you think that is? I'm going to go with zero. You're right, zero. And that is a perfect example of what I can do when a person's been on a supplement plan all those years. 

Josh Fertel

28:44

Right. 

Jill Santos

28:45

Okay, they go up every year and it was that year that just blew her out of the water, especially her dear husband, you know, in fact her husband died two weeks after I wrote her her new plan and, um, you know, so it's, it's, it was a good success story, but bittersweet, and put, like you know, five hundred dollars back into her pocket and she's got, she's got great benefits, she's happy. So the other story was a good friend of mine. She became disabled at 58 years old okay she couldn't work. 

29:17

She had a hard time during uh, 2020, okay, when people weren't working at the time, during that whole mess, and um took her two and a half years to get her approved for disability. And I said you know what it takes two years. You got a two year waiting period. So I don't know if they're going to give it to you. I don't know if you're going to be on Medicare like right away. So a couple of weeks go by, I get a call from her. She says hey, guess what I said. But she goes. I got a Medicare card in the mail. I said what does it look like? She goes it's red, white and blue. It's got a squiggly number on it and it says part a and part b. I said you've got to be kidding. She goes. Well, according to my attorney, they were able to prove that she was disabled two years ago when she applied, based on medical records, right, right. So the two-year waiting period was gone and over, awesome. 

30:11

So when people think about applying for you know disability, because they think you know X, y, z, right, there's only two things that will put you into Medicare immediately, and that's end stage renal disease, kidney failure, right, failure right and I believe, um, I believe there's another one, I think it's called um I don't want to say it's parkinson's, but there's another one out there, um, but it's in that family gotcha and um, they can actually, I think it's luke eric's disease and they can get on medicare, uh, right away, with no waiting period. So, um, it does have to be, of course, you know, verified by the medical doctor and all that. But, yeah, I had a lady that went on to Medicare right away, and I was. I was in the beginning of my Medicare venture, so I actually learned something there. 

31:04

You go Always, yeah, and I'm always learning from my clients, and that's another beautiful thing about meeting people. You learn so much about their experience and using this kind of insurance, that kind of insurance, I'm like thank you for sharing this. It's valuable information that nobody can ever take away from you, yeah, so that's kind of like what I do. 

31:23

That's how I roll. 

Josh Fertel

31:24

So let me ask you a question If I had a magic wand and I was able to fix something that's in your field, what would you do with it? Oh, fix something that's in your field. 

Jill Santos

31:34

what would you do with it? Oh, I would try to help others. I'd pass it forward as much if I could help somebody else. Right, I would definitely pass it forward in a general speaking term. 

31:51

But as far as in the medical field, yes, hmm, I would definitely market that somehow, I would brag about it, I would put it on everything, every social media platform I can think of, and tag whoever's involved in that and get it out there and spread the word, because I think that's what we need we need. We need a lot more education out there for our folks and they're not getting it. You know they give them books this thick out there for our folks and they're not getting it. 

32:15

You know they give them books this thick. I mean. You know it's just not feasible for some people. Some yes, most no. 

Josh Fertel

32:20

Gotcha, tell us again how we can contact you. 

Jill Santos

32:23

Okay, you can contact me at 561-248-1721. That is my only phone number. 

Josh Fertel

32:31

Okay. 

Jill Santos

32:36

I'm located in Lighthouse Point at 4400 north federal highway. I'm actually inside the uh clock tower building, um, on the east side of federal, right there between sample, I believe, 10th street. So we're pretty local okay, and I'm usually there by appointment only. But if you can get my phone ring and I'll certainly be there, Monday through Friday with bells on my feet no, I'm just kidding, no, I actually I'm out on the road quite a bit, right? So phone is the best way to reach me. Phone is the best way to reach me. The fastest is by text, no doubt. Same number, same number. Okay, yeah, and they have an office. So if you guys like to make an appointment, I have a beautiful office. It's inside the Mark White's law firm. Been there for three years, excellent, yeah, so got a lot of friends in there. So have a good time in there. 

Josh Fertel

33:18

Yes, so I want to thank you for everything that you're doing and thank you for spreading your knowledge, and hopefully they'll raise some questions from our senior community and they'll know that they have somebody that they can go speak to. 

Jill Santos

33:32

Well, thank you very much for the opportunity. I really feel good about this and, again, I'm here for my seniors. It doesn't matter, there's no pressure on this end, it's just a lot of loving, a lot of counseling. It comes through, yeah, it all balances out. That's what I've always believed. Great, thank you. Thank you, josh. Have a great day. 

Josh Fertel

33:51

Thank you for listening today. Please follow us on Facebook and LinkedIn, and you can check us out at www.theangrybiller.com.