The Medicare Plan You’ve Probably Never Heard Of (But SHOULD)

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There’s a Medicare coverage option most people have probably never heard of, but it may be worth knowing about.

It’s not the plan everyone talks about. It’s not always front and center. But for around $30, it could help protect you from certain out-of-pocket costs that catch many people off guard.

Today on the Medicare Daily Show, we’re talking about the hidden $30 Medicare plan, why it gets overlooked, and why it may deserve a closer look.

We look forward to taking your calls!

Transcript

SPEAKER_01 0:02

We've all been warned that uh we do not want to be insurance poor, which means too much insurance. And frankly, that is not a real common problem. Uh what is more common is that people do not have the proper amount of insurance, and because of that, they become poorer or poorer. And so in our program today, we're actually gonna talk to you about uh making sure that you do have the proper coverage. Whether you have a supplemental plan or an advantage plan, you want to make sure that uh you have everything covered and covered very well. There's actually a Medicare plan that we're gonna discuss today with you. Uh, you probably never heard of it, uh, but you need to know of it. I'm joined in the studio today with one of our top agents, Evan Cruz. Evan, uh uh, welcome the show. Glad to have you today. But good to be here. Uh we're gonna talk uh about this uh program that we want to make sure that you understand the details why people would do this. Uh because it is uh possible that you can have uh some kind of a serious health issue. And when that happens, it's very, very expensive even on Medicare. So we'll be discussing that today. Uh my name is Marvin Music. Again, Evan's with me. Um normally my son uh Josh is in the studio, but he's at a conference, and so Evan has said he'll give up an average time to be on our program today. So we're gonna talk about this now. If you would like to call in today, we'd love to hear from you. Uh, question about Social Security or Medicare or really anything uh in regards to retirement, we will feel those questions. If you just have a comment, experience you want to share, we'd love to hear from you about that as well. So to reach us on our program today, call 833-824-2004. That's 833-824-2004. Please give us a call today. Uh, we'd love to hear from you. All right, Evan, we want to make sure that uh everyone understands exactly what they need to do when it comes to some type of a critical illness that they may have. And we know that 1.2 million people are gonna be diagnosed with cancer this year on Medicare. And that could be you. You may get a cancer diagnosis. I hope you don't. Uh, you may have a stroke. Why? Uh every 40 seconds someone has a stroke, every 40 seconds uh people are having a heart attack. And so the whole point is you may have a critical illness. And so we want to make sure that you have the proper amount of insurance. So as we get into this topic uh today, I want you to address the two main options with Medicare and how it is that this product could be a very help uh to our listeners today.

SPEAKER_04 2:15

For sure. Yeah, so as I explained to everyone, you know, your needs are different than somebody's needs down the street. And your needs are going to be based on what's important to you and what you can afford and finding that balance between those things. And if you're the kind of person who says, you know, I just want to know what my medical bills are January through December, regardless of how many times I may or may not go to doctors or hospitals. I just don't want to get a bill for my medical needs. I don't want to think about networks if I'm traveling or want to choose any kind of doctor or hospital I want. I don't want to hear they're not in my network and I can't see them. I don't want insurance companies dictating my care, telling me what I can or can't do with referrals and pre-authorizations, and the cost of the premium is something you can afford. You're gonna lean towards a supplemental plan. If you're the kind of person who says, you know, I just really never go to the doctors, I hate going to doctors. Um, if I go, I'll pay co-pays at that time and I'll deal with the hoops of jumping through referrals and authorizations if I have to. But any extra premium month to month is really gonna impact my day-to-day life. I just need to keep this as inexpensive as possible. Nothing wrong with doing advantage plans too. Everyone's needs are different, and and and what your needs are are gonna vary from everyone else's. So there are ways, though, uh no matter what plan you're on, and I always tell people that no matter what plan you're on, it's you can find good insurance to protect yourself. And so you can get that from a supplement, you can get that from an advantage too, as long as you're shoring it up properly and making sure that when you go to the doctors and hospitals, you're not gonna worry about a bill. And my biggest goal when talking to you on the phone is I want to make sure that you have insurance that you're not afraid to use. What's the point of insurance if we're afraid of using it? If we're gonna sit in our chair and say, ah, there's that big deductible, or it's cost an ambulance $300, or how much is it every day I sit in a hospital bed? This could just be heartburn. I'm just gonna wait and see. If you think that we've failed you on insurance. Like you need to choose a plan that you were not afraid to use. And like I said, you can get that out of an advantage plan. And as long as you know that you let's say you pick up a uh a copay protection plan or critical illness policy or something that's going to write you a check if you get sick. So those little gaps that are left in the advantage can be filled in very inexpensively. And so now if you do feel like something is going wrong and I feel like I'm having a strange sensation in my arm, and this is kind of weird, never had this feeling before. You don't hesitate to call an ambulance. You don't hesitate to go to the emergency room or go get care because you know they're gonna pay you back. That's what that's what my plan is for. Do what you gotta do, go ahead and call the ambulance. I I never want someone to sit in their house afraid to use their insurance. That is that is my greatest fear as an insurance agent, is that I set somebody up with something that they don't use and it costs them their life. And I can't risk that. Absolutely not. So there's there's a lot of reasons why. And this a little off topic, but the high deductible plan, sometimes I'm not as inclined for most people. So once again, everyone needs are different, but I'm afraid of people being afraid of using their insurance. And we're all humans, we're all risk adverse. In the end, we're gonna think in the back of our mind, I can afford it. You know, maybe I don't have to use this right now. Maybe it's not that big of a deal. All those hesitating thoughts are what I want to eliminate as your agent or as your broker, as your guide to Medicare, I want to make sure that you are not thinking about your insurance, you're just thinking about your health.

SPEAKER_01 5:19

All right. So if you're on a Medicare Advantage plan, we know that you're gonna have a max out of pocket. Uh uh it could be uh the average, which is fifty, nine hundred dollars. So you're gonna be liable for that. And no doubt if you get cancer or some serious issue, you're probably going to hit that $5,900. So if you don't have that uh money set aside, uh then this would be a way for you to get that protection. So let's address that, please. For sure.

SPEAKER_04 5:44

So the uh the two main plans that we typically talk about from filling in gaps of advantage are a copay protection plan, we just call it a CPP, um, and then a critical illness policy. Copay protection plans are really great for the unexpected emergencies. This is where you're, once again, not feeling great, call an ambulance, they take you to the emergency room, you end up in the hospital for a week. Um, advantage plans are gonna vary slightly from plan to plan, but generally they all work about the same. You're gonna have uh $300 a day for the first six days you're in the hospital, three hundred for an ambulance, $150 for the emergency room. When you get home from that whole ordeal, you get a bill in the mail for $2,000 or more. Most people don't just have $2,000 sitting around, and this is once again that part of your mind that you want to be adverse and try to avoid. But if you know they're gonna write you a check for that $2,000 the moment you get back, and it's only gonna cost you $25, $30 a month, but you know you're you're you're filling in that emergency situation, super beneficial to get those. And they're available in most states. You can get those. And they're not every state. Obviously, talk to your Medicare person about that to make sure that you they're gonna cover you where you're at, because I had a lot of people calling saying, hey, I want this, and you know, you're in a state it's it's not available or it's very difficult to get it. But as long as you qualify for it, as long as you get it, absolutely beneficial to filling in those emergencies, which are the most expensive part typically, because you're you're more likely because of an accident, you know, to end up going to the emergency room and maybe being hospitalized for a day or two than the cancer or the heart attack and stroke. Those do happen, of course. But there's all kinds of unknowns. This is this is insurance. We can't predict.

SPEAKER_01 7:12

Historically, have these things uh provided rate stability for people?

SPEAKER_04 7:16

Oh yeah. Uh um as far as like the increases on them, yeah. As you as you age, they stay very, very low. They don't they don't go up. Uh the uh critical illness policies, in fact, lock in, um, so they don't go up as you get older. Okay. So uh the better time, the best time to get those policies are when you're in your 20s and 30s. Of course, none of us think about that when our 20s and 30s. They are dirt cheap and you get to keep them forever. And so I have I've actually had people who they had their kids in their 30s, and they will purchase these policies for pennies on the dollar from what they'd normally be spending at 65, and they say, tell you what, I'm gonna pay this for 20 years for you, and then it's yours. And it's up to you after that. But you get to keep that low, low rate. And if you get cancer, you get a $40,000 check, and it's costing you $16 a month. Ridiculously good at those rates. So is the but the earlier you get it, the better. You get to keep it forever. Trevor Burrus, Jr.

SPEAKER_01 8:03

All right. So if uh you have a heart attack, uh you have a stroke, uh, those will also pay lump sum. What uh would be the amount of a check they would get with that kind of protection? Trevor Burrus, Jr.

SPEAKER_04 8:13

Yeah, anywhere from I mean, five to seventy-five thousand dollars, depending on what your budget is and you can afford. What's really uh unique is some states are are different than others. It's not a universal thing as far as pricing goes. If you live in like New Jersey or Florida, you're gonna get really good rates more than a lot than some other states would be. Most of them are very affordable, but some are way more affordable than others. So uh definitely check and see what's available in your areas. But yeah, I mean I would say because, as you mentioned, the max out-of-pocket's usually around high fives up to $10,000, you know, for uh for your max on your plan if you were to get a need open heart surgery or chemotherapy or some really, really catastrophic year in the hospital. Those things are, you know, five, ten thousand dollars are gonna, or ten thousand is usually a pretty good number that's gonna cover all that, the max, plus some extra left over if you have to travel or take time off work. Uh, if you can afford a few more dollars to go to fifteen thousand, this is just a bigger check that you can use on whatever you need. So the more you can add in, the more you can afford. And this is that balance, like we talked about, finding what's important to you and what's what you can afford. And uh I the biggest thing for me when we're choosing these policies is I want it to be something that you don't think about every month. You don't look at your checkbook and go, man, can I still afford to do that? I want it to be so low that you don't really notice, but it's big enough that it may make an impact on you if something goes wrong. All right. I like I using well I'll just say I'll use the analogy, uh I go to Plant Fitness, right? And uh $10 a month is my Do I go to Planted Fitness? Actually use it? I don't. I I'm very guilty of not going. But um I still pay it every month anyway, because I'm probably gonna go. But if I were to get a heart attack or stroke or cancer, are they gonna write me a check for $10,000 for that $10 a month? Absolutely not. It's just gym access. But for the basically the same price, slightly more, you actually can have reasonable payout if you were to get sick.

SPEAKER_01 9:53

All right. So if this is something that uh seems interesting to you, you're concerned about, if you uh are especially on a vantage plan, are not able to meet that max out of pocket, uh you can give us a call today. Uh we have agents available that would discuss all this with you, give you prices. Um, and uh the number to call into our office, actually speak to an agent uh is 800-782-6676. Again, 800-782-6676. Uh, we can give you prices, give you the different uh criteria for you uh to get this really very, very important protection. Absolutely. All right, let's go to Joel in Indiana. Joel, welcome to Medicare School Daily. Uh what's your question, sir, or comment?

SPEAKER_03 10:36

Okay, well uh Marvin, uh a couple questions real quick. My mother is eighty four now, gonna be turning eighty-five. All right, and she has a plan F and she loves it. The only problem is at her age now, she's paying, and it's not at health care, she's paying four hundred and eighty-five dollars a month. And unfortunately, I think that's gonna become unsustainable for her.

SPEAKER_01 11:02

Yes, sir.

SPEAKER_03 11:03

If she would try to go to another supplemental plan, another plan F, would she have to go through mental underwriting?

SPEAKER_01 11:11

Yes, sir, she would. Yeah, state of Indiana, and frankly, most states, uh, she would have to go through underwriting. So, what kind of health concerns uh does she have right now? What health issues?

SPEAKER_03 11:21

Well, nothing uh nothing especially right now, but like I said, anytime she she goes to the doctor, and you know, of course, everything's covered. I mean, you know, which is great, but uh e DNA has a birthday rule on a birthday.

SPEAKER_01 11:37

That doesn't Yeah, and by the way, my my bad, honestly, uh that's new. Uh Evan is with me in the studio and he he just pointed out that they do have a birthday rule. Is it what is it, sixty days uh plus or minus? What what what what's the what what are the dates?

SPEAKER_04 11:51

It begins one month before the birthday ends one month after.

SPEAKER_01 11:54

Okay, good. So it's kind of like Missouri anniversary. So so yes. So her when when is her birthday?

SPEAKER_03 11:59

You know I'm sorry. I'm gonna have to I think she's already had it.

SPEAKER_01 12:04

Okay, well, it's 30 days before her birthday, 30 days after would be her window where she can move without any underwriting. And so if she's if she's beyond that. Uh yeah, 30 days before, 30 days after. So uh and we could we can help her uh do that. We'd be happy to do that. But uh what what health uh issues is she dealing with right now?

SPEAKER_03 12:26

Well, nothing nothing major. I mean, she hasn't been in the hospital in a long time or anything. I mean, she is on some blood pressure medicine. Uh her her her family's had a history of heart disease, but as far as I know, my mother hasn't.

SPEAKER_01 12:42

Okay, it'd be it'd be a non-history, family history has nothing to do with this whatsoever. So uh yeah, blood pressure med, that's that should be no problem. Does she even if she has a couple of them, it's you typically non-issue. So let me ask you this uh anything, uh anything uh with the lungs, asthma, COPD, uh any kind of liver issues, cirrhosis of the liver. No. So we're looking at heart, heart, lung, liver, kidney, uh, cancer, diabetes. So those are kind of our our big knockouts. Uh is she able to walk on her own and there's no mobility issues at all?

SPEAKER_03 13:14

Yeah, yeah. No, it's gonna hurt her and her uh second husband, you know, take care of each other and they get around.

SPEAKER_01 13:23

Okay, good. How about rheumatoid arthritis? Does she have that? Rheumatoid. But most people have a little bit of arthritis, but is she diagnosed with rheumatoid? No. Okay. Okay. Okay, here's what I want you to do. Um I'm gonna I'm gonna have uh Evan's with me in the studio, one of our top agents. Um he will uh help her, okay? Uh because she she's probably we can probably get her through underwriting. We've even beyond the birthday rule, it should be no problem at all. Um and so what I'll do is uh if you want to uh let me let me just give you the number to call. When you call in, just ask for Evan. Uh he'll be he's in the office today, and yeah, just ask for Evan Cruz, and Evan will take care of her, okay? And and and again, we have several carriers to choose from. So what I would really recommend, Joe, you you all do what you want, but I would get her off that F plan and I would go to a G plan. It's only one screen. Well, I've mentioned that. I've mentioned that to her a couple of times. She probably didn't want to do it.

SPEAKER_03 14:18

You really want us to sit on that F plane. Okay, well here's here's what we'll do.

SPEAKER_01 14:22

We'll we'll we will quote the F and the G, and then when she realizes that she's way, way, way overpaying for the the one the one gap, you know, she has a she has to meet the B deductible. Maybe she'll be persuaded. And if she's not, we'll just put her on an F. It's it's really not a problem, but she can save probably uh you know substantial money by going uh to that G. But we'll quote both. No problem at all. We'll do whatever we we can and see if we can get her at least improved off this 485, because that is that's a lot.

SPEAKER_04 14:49

Yeah, no doubt. It looks like it may be about 200 bucks a month. Okay. Something like that.

SPEAKER_01 14:53

Okay to a G or to another Okay, yeah. She can save about 200. How about Go ahead? Yeah, go ahead. No, go ahead, sir. You no, you're fine. Go right ahead.

SPEAKER_03 15:02

All right. Well, what about um drug plans? Okay.

SPEAKER_01 15:11

Well, we're not not right now. The drug plan she's on will be hers for 2026, and then uh she actually can switch her drug plan later this year. Uh, but we're outside of the the exact she does have a drug plan, doesn't she?

SPEAKER_03 15:25

Yes, she does. Okay, she says that they don't cover a whole lot, so I don't know. Uh we I live in the other town from her. And she's wanting me to kind of review her stuff.

SPEAKER_01 15:34

So here's what Evan will do. He he will actually make sure we take her medications down. We have to have those anyways go through underwriting, and then he can see what plan she's on and give her a little bit of advice about that. But there's no switching at this time of the year. Uh that will be October 15th, December 7th. But we'd at least set everything up for her uh to know how to do that. He'll he'll coach her through that and and you as well. All right, well, I appreciate it, guys. Okay, thank you very much. As for Evan Cruz, he'll he'll take care of her.

SPEAKER_03 15:58

Evan Cruz.

SPEAKER_01 15:59

Alrighty, you got it. Okay, thanks, Joe. Thank you. Good talking to Gerald. Thanks. Yeah. Okay. Bye-bye. Bye-bye. All right, let's talk to Kantin in Pennsylvania. Canton, welcome uh to Medicare School Daily. Glad to have you today, sir. Uh what questions can we answer for you?

SPEAKER_02 16:17

Hi, yeah, thanks for taking my call. Um again, this is Constance from Pennsylvania. Um, I am with a supplemental plan. And just to let you know, in 24 or 25, uh my plan was like 111 plus minus. It went up to 129 right now in pain. But then it's saying in a couple of months it will go to 161. Okay. So how can you help me?

SPEAKER_01 16:41

Okay, sure. We can do that for sure. Are you married or single? I'm married. Okay, very good. All right, that sounds great. So uh in the state of Pennsylvania, uh, what happens if you do want to switch uh med sub plans, whether we go from an N to an N or an N to a G, then uh you are going to have to medically qualify. So let's talk a little bit about that, and then we'll we'll uh uh Evans with me here and he'll he'll run some rates for you. But um uh it it what what kind of medications are you taking right now, Canton? Are you taking anything?

SPEAKER_02 17:10

Yes, it is. Um I uh I have few um um on the on the closest side and then Okayation I have like uh like the one that you can medication Yeah, I'll oh yeah, I heard you say you're taking uh Rosuvastatin.

SPEAKER_01 17:46

Uh what else are you taking?

SPEAKER_02 17:50

Yeah, sorry about that. Um I I'm taking um uh 25 energy at the game.

SPEAKER_01 17:59

Okay, and you're taking I know that's a heart medication, so uh why do why do they have you on that?

SPEAKER_02 18:06

I have some issues with my heart. So I have to take it.

SPEAKER_01 18:10

Okay, then and and when do those heart issues uh occur?

SPEAKER_02 18:14

Uh before, let's say before I turn 65. Okay, okay.

SPEAKER_01 18:22

Okay, so uh so what was the heart condition? Is it I mean you've been diagnosed with some kind of a heart disease or uh uh irregular heartbeat?

SPEAKER_02 18:32

Basically the guy from uh the thickness of the the guy from the little thicker than the normal people. So this idea this is commonly found in Japanese people and for some reason to be genetically on this medication and then also taking emotic sure. Anything else? And then uh I have uh this uh uh micformin for my chorus for your dia diabetes. I'm really not pre-diabetic you can say.

SPEAKER_01 19:16

Okay, because okay. All right, that sounds good. I just want to get a feel for for where you are. I will tell you that sometimes uh that medication, card uh carbidellolol, or however you pronounce it uh uh can be a knockout. I'm not saying it is for sure, uh, but uh it could be an issue. And and you're not gonna know until you submit. So let's let's just let me give you some prices. So is this something that uh you may be able to prove? Uh Evan, go ahead and give them those prices. So, yeah.

SPEAKER_04 19:42

Uh so some carriers are also easier to get through than others. So depending on which carrier it is, um, you're gonna have some that are only wanting super healthy people and they're gonna look at that carbidolol and say, uh, maybe that's quite something that we want. And generally, I would try to get on one of those first. You want to be on a carrier that's gonna be harder to get through. You don't want to share your policy with other sick people who are gonna cause them to lose money and raise rates as time goes on. And so and those assuming you qualified would be around $105 for a plan N or so in your area, which is pretty dang good. I mean, that's less than you're paying even before the increase. Um then there's some that are like they're a little bit harder to or a little bit easier, I should say, to get through underwriting, um, which those can be around 115, 120. And some of them they don't even ask you health questions. They they will look at your medical history and everything and they'll determine if they want you. But some of them are a little easier to get through, and and it I would say I would try them second. I wouldn't try them first. Yeah. But um, but yeah, there are definitely ways of going lower than the the up the rate that you're saying it's going up to for sure.

SPEAKER_01 20:39

Okay, Canton, are are you our client or with somebody else?

SPEAKER_02 20:42

Yes, no, you're our client. I'm with you for the last yes. Okay, okay. When I started, I we started with you uh with great information I get from the website, and also I attend some of the your um the webinar, not webinar, so rather um the YouTube uh um the uh the thing. So how I will say this I want to stay in uh plan N. Yeah. I want to continue. So just help me out.

SPEAKER_01 21:07

Yes, we can do that. So uh let me ask you this. Uh who who who who would you have him call? Just directly to uh customer service team, Evan, or or uh this would be the best route for him for us to help out.

SPEAKER_02 21:19

This is one can call me directly. Right now I'm in with the United Medicare A R P that uh supplemental link band.

SPEAKER_01 21:29

I see that. Yep. Yeah, yeah, we can see that in our records. And so uh what I want you to do is I want you to call in just the main uh our main number, uh and then uh just tell them you're a present client, they'll know that, of course, and they'll direct you to the right team. Uh all of our agents are uh are in a pod, and then there's a customer care manager part of the pod. So uh you'll get taken care of. Uh let me give you the number if you don't have it, Kenshin. Do you?

SPEAKER_02 21:54

I I I I think I have it disclosed eight hundred eighty six four eighty eight nine.

SPEAKER_01 22:00

That'll work. That's a that's a good number to call. Yeah. So just call in really anytime, and probably the sooner the better. So is is that rate increase uh gonna occur in July or in August? I think it's in August. Okay, very good. So this is good timing. Uh and so there of course there's no cost and you know and all to do this. And if we can't get you uh switched to somebody else, then you just you still have a great plan. Uh but we'll do our best to do everything we can to improve your uh position. Okay, Kenshin?

SPEAKER_02 22:28

Okay, good. Good talking to you.

SPEAKER_01 22:29

All right, great talking to you. Say if you don't mind, I want just a quick question. Yeah, I kind of pick up are are you from India?

SPEAKER_02 22:36

Yes, you've got it.

SPEAKER_01 22:37

What part?

SPEAKER_02 22:39

Uh originally I was from the eastern part of Calcutta, which is now Kolkata. They changed the name, but it's Calcutta. Okay.

SPEAKER_01 22:48

Very good. Hey, I'm I'm going to India in about two weeks. Uh I go over.

SPEAKER_02 22:52

Okay, maybe maybe before you go, you need some do's and don'ts from me.

SPEAKER_01 22:56

Okay. Well, I've I've been I've been there lots of times, so you there are a lot of do's and don'ts. So I I enjoy India. I got a great uh friend over there that we're going to see. Um so yeah, I think I've been to India maybe 10, 11 times, something like that. So uh been going for several years. So alrighty. Well, great. Listen, thanks for letting us serve you. Uh give us a call and uh we'll see if we can't help you, okay?

SPEAKER_02 23:18

Awesome. Thank you. Thanks for your help. Take care.

SPEAKER_01 23:20

Have a good day. See ya. All right, let's talk to Lawrence uh in Georgia. Lawrence, uh, welcome to Medicare School Daily. Appreciate you uh calling in. What questions do you have for us, sir?

SPEAKER_00 23:34

Um Yeah, I um uh basically what I want to know, I I've had health care uh for years. Um I I eat pretty healthy, I eat mostly whole foods and eat a lot of processed foods. Um I I have more of a need for for dental and vision. Um should I skip the uh the early uh insurance for Medicare?

SPEAKER_01 23:57

Okay, let me let me ask you this, Lawrence. Are are are you on Medicare already?

SPEAKER_00 24:02

No, no, I'm not. Not yet. I'm just uh yeah. Okay.

SPEAKER_01 24:07

All right, sounds good. And now do you have insurance through the marketplace or through an employer?

SPEAKER_00 24:12

Uh it's through the marketplace.

SPEAKER_01 24:14

Okay, sounds great. Okay, well, Evan uh Cruz is with me in the studio today, so uh he writes a lot of uh dental vision type plans. So um, Evan, what would you recommend for Lawrence?

SPEAKER_04 24:26

Sure. And so I think Lawrence, what you were kind of alluding to was when you do become Medicare eligible, you're kind of asking if you needed all that or if you're just kind of if you wanted to hold off. Is that your question?

SPEAKER_00 24:35

Yes, yes.

SPEAKER_04 24:36

Yeah, I figured that's what it was. So uh when you turn 65, if you don't have active employer coverage and you're just through the marketplace like what you're on right now, um, you will still need to enroll into Medicare. And you're healthy, you're eating well, you're not going through the processed foods and all that stuff. And my gosh, I hope I hope that keeps you healthy for the rest of your life and you never have to go to the doctor hospital ever again. Um but that is uh not something we're all gonna experience, unfortunately, no matter how well we take care of ourselves, as the older we get, things are gonna break at some point. And so what that's gonna do is allow you to get medical care that you'll need whenever that time hopefully never comes, but in case it does, that's insurance, is to make sure that you have it. And there are very, very inexpensive ways of maintaining Medicare. I mean, it's five years away, who knows exactly what everything's gonna look like then? No one can predict the future, but uh if it's anything close to like what it is now, there are very, very low, low-costing ways of maintaining Medicare. But if you try to say, I just don't need this now, I'll pick it up in ten years, you're gonna have some substantial penalties that are never gonna go away. So you definitely are gonna want to get it going at that time. Now, there are gonna be some some of those plans do have some dental options available in them at that time, but once again, that's a ways away, and that's something we're gonna have to figure out when we get there. But as for right now, um, what kind of dental work are you trying to do?

SPEAKER_00 25:53

Uh just uh uh cosmetic, basically.

SPEAKER_04 25:57

Okay. So like like veneers or like implants or yes, yes. Oh, that kind of stuff. Okay. So there are um there are dental plans that have really high limits, um, some as high as $10,000. But there are sometimes asterisks on what you can use that stuff for. So if you wanted to use it for specifically, like I said, veneers, which is what some people want to get, um, they're only gonna replace prior veneers and you've had to have it for at least a year, and there's some limitations on that. If you want implants, uh most carriers are gonna have what's called a missing tooth clause where they're not gonna cover any pre-existing conditions. If you've already got like missing spaces and you want to replace it, there are a few carriers that don't have that missing tooth clause that will cover that, but nonetheless, they're uh limitation on the amount they're gonna spend. And so, how much work, if you had to guess, do you think you're trying to get done?

SPEAKER_00 26:45

Uh uh a pretty good bit, probably between like five or ten thousand dollars. Gotcha, gotcha, gotcha.

SPEAKER_04 26:50

So, what a lot of people that I do talk to on a daily basis who have this exact same issue, and once again, this is not me advising you what to do. I'm just telling you what a lot of people I talk to end up doing is they find very good uh or American trained doctors in Costa Rica or Mexico, because they can get that sometimes a lot less expensive than if you were to try to shove it through a dental plan here in the United States. It's just gonna cover a lot less than that would be. Once again, not my advice to you to leave the country to go find uh dentists in other places, but people tend to find really good rates and really quality care too from some really uh experienced dentists in these other places. So if there's that much work.

SPEAKER_00 27:27

That's funny that you say that because I just spoke with someone from Turkey uh yesterday. Yeah.

SPEAKER_04 27:33

I have heard very good things about dentists in Turkey and how well they do things there, too.

SPEAKER_00 27:37

Uh huh. All right. Well, well, that that makes me feel even better. Uh and it it was substantially, substantially lower. And I like the work they did. We did it over the phone and gave me diagrams.

SPEAKER_01 27:48

Well, if you did decide, Lawrence, you wanted a plan, uh uh there would be a waiting period for a while. Right. And uh right now those plans are running about what, $75 a month, something like that. Aaron Ross Powell, Jr.

SPEAKER_04 27:59

For the better one with the higher limits, yes, $75 to $100 a month with those. Um and then, like I said, there's going to be a limitation ultimately on the amount you I mean, if it's $10,000 worth of work maximum, they're gonna cover 50 percent of that. So you still spend about $5,000 even in a best case scenario on some of those plans. Yeah.

SPEAKER_01 28:15

So if you didn't want that plan, then um uh the name of that company, why don't you give that to him so he could reach out to inform the other?

SPEAKER_04 28:22

Yeah, MetLife in C D is kind of the biggest one if you want like a $10,000 benefit. They're one of the highest, and they're a very big, uh, very big network as well on the CD. N C D, yeah. Okay, very good. Yeah, so Lawrence C D like Mary, Mary, C D N C D. No, I think it's Nancy in his and is a Nancy CD CD. D'Alta, yeah.

SPEAKER_01 28:42

And they use uh the MetLife network, so it's very large. So that would probably be a plan that you at least want to look at. Right. And you could find that of course online for sure. Okay. Okay. All right. Well, Lawrence. Awesome. I I appreciate those help. Absolutely. Nice to talk to you. Have a good rest of your day, sir. Hey, we're glad you're part of our show today. Uh, we love it when uh we have people call in, have questions, and I hope you learned a lot. Uh now on Monday, we're gonna be discussing something that is somewhat probably unfamiliar with most people, and that is what's called the three day Medicare rule. You need to understand it uh because it will have a bearing uh on your life for sure. And so we'll be going through the details of the three day rule on Monday. Thanks so much.