Sept. 11, 2026

Galatians Part 2 and Ephesians Part 1

Show Notes
Transcript

Sha’ul’s letter to the Galatians provides teachings to the Galatian Believers – Part 2. It is primarily a rebuke for seeking to live by Torah as opposed to living led by the Spirit of Yah. Also Part 1 of Sha’ul’s letter to the Ephesians which covers a range of topics.

Relationship With Creator is broadcast live Fridays 12Noon – 1PM ET and Music on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Relationship With Creator is viewed on Talk 4 TV (www.talk4tv.com).

Relationship With Creator Podcast is also available on Talk 4 Media (www.talk4media.com), Talk 4 Podcasting (www.talk4podcasting.com), iHeartRadio, Amazon Music, Pandora, Spotify, Audible, and over 100 other podcast outlets.

Become a supporter of this podcast: https://www.spreaker.com/podcast/relationship-with-creator--3198941/support.

WEBVTT

1
00:00:00.740 --> 00:00:04.339
Welcome to the Ask the Experts show on W4CY Radio

2
00:00:04.400 --> 00:00:08.960
and Talk4TV, where we bring you educational information from experts

3
00:00:09.179 --> 00:00:13.660
on such topics as legal, health, financial, and home improvement.

4
00:00:13.859 --> 00:00:16.780
Now sit back and listen to our experts in community

5
00:00:16.820 --> 00:00:23.079
association law, estate planning law, tax relief, Medicare, public insurance adjusters,

6
00:00:23.339 --> 00:00:27.719
neuropathy treatment, business brokers, and personal injury.

7
00:00:27.399 --> 00:00:30.100
Law, along with many other topics.

8
00:00:30.500 --> 00:00:35.460
Now here's your host for the last 17 years, Steve-O.

9
00:00:38.320 --> 00:00:42.759
Texas. Oh, I love Texas. I spent most of my

10
00:00:42.820 --> 00:00:46.549
life in both Houston and Dallas, even though we're in

11
00:00:46.689 --> 00:00:51.350
Florida now. But I love Texas. Some of the nicest

12
00:00:51.969 --> 00:00:54.530
people in the world. Boy, do we have a great

13
00:00:54.590 --> 00:00:58.770
show for you this afternoon. I am telling you, I never...

14
00:00:59.140 --> 00:01:03.259
If you had told me three years ago that Medicare,

15
00:01:04.439 --> 00:01:10.750
choosing a Medicare agent would be our second most successful

16
00:01:10.859 --> 00:01:16.370
show besides tax relief, I would not believe that. Even

17
00:01:16.390 --> 00:01:21.609
though I'm on Medicare, it is amazing how many people

18
00:01:21.629 --> 00:01:27.040
want to learn about Medicare now. And what made this

19
00:01:27.140 --> 00:01:31.500
even better is we got lucky and found, I say,

20
00:01:31.540 --> 00:01:36.810
the top agent in the state of Texas, the Belvin

21
00:01:36.989 --> 00:01:41.430
Insurance Agency. Jill Belvin, good afternoon, Jill.

22
00:01:42.750 --> 00:01:44.870
Hello, Steve.

23
00:01:44.890 --> 00:01:47.530
I love, first of all, you look wonderful today. I

24
00:01:48.489 --> 00:01:52.640
love doing your show. If you've seen the numbers, they

25
00:01:52.739 --> 00:01:58.170
keep just growing fast. And I think people just love

26
00:01:58.209 --> 00:02:03.750
the way you explain Medicare because, Hey, the government's involved.

27
00:02:04.010 --> 00:02:11.289
That means, you know, how do we, I didn't. So

28
00:02:11.389 --> 00:02:15.550
first tell everybody, we've got so many new people, people

29
00:02:15.610 --> 00:02:16.830
about your agency.

30
00:02:17.430 --> 00:02:21.090
So the Jill Belvin insurance agency has, I've been an

31
00:02:21.169 --> 00:02:23.400
insurance for 30 plus years.

32
00:02:23.750 --> 00:02:25.960
Um, I was five when she started.

33
00:02:26.879 --> 00:02:32.699
I know. Thank you for that compliment. But I focused

34
00:02:32.759 --> 00:02:36.360
a lot of years on property, casualty, commercial insurance. I

35
00:02:36.419 --> 00:02:42.750
have dedicated the past six years to really focusing in

36
00:02:43.009 --> 00:02:49.460
on helping Medicare beneficiaries navigate the maze of Medicare. That's

37
00:02:49.500 --> 00:02:52.599
to put it mildly, the maze of Medicare. It is

38
00:02:52.759 --> 00:02:57.860
very confusing. The government doesn't really help explain it to

39
00:02:58.240 --> 00:03:01.479
folks who are needing to make choices on plans and

40
00:03:01.960 --> 00:03:04.939
what route they want to go. So it is a

41
00:03:05.020 --> 00:03:09.219
passion for me to help people do this and understand

42
00:03:09.259 --> 00:03:13.430
their choices. It is a very important to know what

43
00:03:13.449 --> 00:03:16.789
your options are when you're choosing a Medicare plan. And

44
00:03:16.990 --> 00:03:20.219
if you don't have the right agent, you might not

45
00:03:20.280 --> 00:03:22.960
get all of your options. You know, for instance, if

46
00:03:23.000 --> 00:03:26.520
you're speaking with someone who works directly for a company,

47
00:03:26.539 --> 00:03:29.719
a certain company, they're only going to provide you the

48
00:03:29.780 --> 00:03:35.909
information from that particular company. I represent 17 companies with

49
00:03:36.030 --> 00:03:41.810
over 150 Medicare plans. Licensed in multiple states. So you

50
00:03:41.889 --> 00:03:45.069
do get to know your options and your choices with me.

51
00:03:47.169 --> 00:03:50.550
One of the things I want to just notice, when

52
00:03:50.590 --> 00:03:57.150
we put up on our scroll, sometimes it bleeds in.

53
00:03:57.229 --> 00:04:02.819
I'm just looking now if I can get one where

54
00:04:02.860 --> 00:04:07.180
it says the email somehow sell because her cell phone

55
00:04:07.199 --> 00:04:10.680
was on there. If we can take the CEO off there,

56
00:04:11.659 --> 00:04:19.459
I want to make sure that it's jillbelvin at yahoo.com. God,

57
00:04:19.600 --> 00:04:24.500
you remind me. When you tell people about your company,

58
00:04:25.120 --> 00:04:28.709
you remind me so much of what I went through.

59
00:04:29.389 --> 00:04:33.310
I felt like a fool not knowing it was time

60
00:04:33.410 --> 00:04:37.930
for me to enroll. Absolutely. I felt embarrassed, but after

61
00:04:37.949 --> 00:04:41.569
doing these shows, there's a lot of people who don't know.

62
00:04:42.069 --> 00:04:43.980
There are. There are a lot of people who don't

63
00:04:44.040 --> 00:04:48.839
know that if you are turning 65 and you're not

64
00:04:49.060 --> 00:04:53.970
on a creditable health insurance plan, and what that means

65
00:04:54.129 --> 00:04:58.110
is you're on a large group plan above 20 employees

66
00:04:58.170 --> 00:05:01.250
that is as good as Medicare's, If you're not on

67
00:05:01.290 --> 00:05:05.220
a plan like that, you are required to enroll in

68
00:05:05.259 --> 00:05:08.680
Medicare at that time. And if you don't enroll in

69
00:05:08.720 --> 00:05:12.759
Medicare at that time, there are penalties involved. And some

70
00:05:12.779 --> 00:05:16.850
people don't understand that. They don't realize it. And they

71
00:05:16.889 --> 00:05:19.629
do end up in a situation where there are lifetime

72
00:05:19.689 --> 00:05:22.209
penalties associated with their Medicare payments.

73
00:05:23.250 --> 00:05:27.899
Well, something else that people don't understand is The first

74
00:05:27.920 --> 00:05:30.180
thing I'll go when we get, what is this going

75
00:05:30.220 --> 00:05:33.120
to cost me? They think they're going to have to

76
00:05:33.189 --> 00:05:37.629
write you a check. Right. Which is amazing.

77
00:05:37.930 --> 00:05:42.170
Yeah. I'm an advisor. I'm an insurance agent. It is

78
00:05:42.269 --> 00:05:44.930
just like, you know, if you were purchasing your auto

79
00:05:45.009 --> 00:05:49.019
insurance from a property casualty agency, if I can help

80
00:05:49.079 --> 00:05:52.759
you navigate the maze, find the appropriate plan that fits

81
00:05:52.779 --> 00:05:56.459
your needs and, The company that you enroll with will,

82
00:05:56.600 --> 00:06:00.279
you know, they take care of the agents. And I

83
00:06:00.360 --> 00:06:02.759
don't require that anyone pay me a fee for my

84
00:06:02.879 --> 00:06:03.819
expert advice.

85
00:06:05.279 --> 00:06:08.759
That's pretty amazing after all the work you do. And,

86
00:06:08.800 --> 00:06:13.019
you know, we're seeing all these commercials now and local

87
00:06:13.160 --> 00:06:17.660
calls coming in. And I want something that's really great

88
00:06:17.879 --> 00:06:23.529
about Jill's company. So if you call... I don't want

89
00:06:23.550 --> 00:06:25.170
to use a name. Let's say you call one of

90
00:06:25.209 --> 00:06:28.990
these major companies. They are only going to tell you

91
00:06:29.089 --> 00:06:34.329
about their company. You represent many companies. So you can

92
00:06:34.970 --> 00:06:40.939
show someone two, three, maybe four different plans to choose from. Yeah.

93
00:06:41.060 --> 00:06:42.800
And, you know, what we do is we do a

94
00:06:42.819 --> 00:06:46.259
needs assessment. We find out, you know, what your doctors

95
00:06:46.439 --> 00:06:51.800
that you like to go to. your medications, what's important

96
00:06:51.860 --> 00:06:55.500
to the client. Like, is it important that you have

97
00:06:55.560 --> 00:07:00.360
dental coverage? Do you need over-the-counter items? Is that something

98
00:07:00.379 --> 00:07:04.089
that's really important? We try to match a plan with

99
00:07:04.149 --> 00:07:07.990
what's important to you. There's so many different needs out there,

100
00:07:08.170 --> 00:07:11.110
you know, with the Medicare plans. We want to make

101
00:07:11.170 --> 00:07:14.639
sure that it is customized to what you need. It's

102
00:07:14.759 --> 00:07:19.019
not a one-size-fits-all when it comes to Medicare plans. Everyone

103
00:07:19.040 --> 00:07:23.319
has a preference of what they need for their best

104
00:07:23.399 --> 00:07:24.579
health care options.

105
00:07:26.100 --> 00:07:28.600
Well, I'm going to ask this because I'm learning now

106
00:07:28.720 --> 00:07:33.089
as we get closer to October. Have you learned anything

107
00:07:33.189 --> 00:07:34.649
new about 2027? No.

108
00:07:36.040 --> 00:07:40.990
The new plans for 2027 are introduced on October the 1st.

109
00:07:41.750 --> 00:07:45.370
No enrollments or changes can take place until the 15th.

110
00:07:46.089 --> 00:07:50.050
They don't give us a lot of information before the 1st. However,

111
00:07:50.250 --> 00:07:55.120
something that's really important, if you are on Medicare, your

112
00:07:55.240 --> 00:07:58.819
company that you're insured with, especially this is for Medicare

113
00:07:58.920 --> 00:08:05.459
Advantage recipients and prescription drug plans. you will receive a

114
00:08:05.519 --> 00:08:11.279
letter from your company. The letter will outline the changes

115
00:08:11.319 --> 00:08:16.519
that are coming in 2027. It will typically put coverages

116
00:08:16.639 --> 00:08:20.959
and benefits and co-pays side by side for 2026, and

117
00:08:21.000 --> 00:08:25.389
then it will show you what's coming in 2027. Those

118
00:08:25.470 --> 00:08:29.490
letters come out this month or at the beginning, the

119
00:08:29.529 --> 00:08:33.990
very beginning of October. So anyone who is on a

120
00:08:34.000 --> 00:08:38.269
Medicare Advantage or prescription plan, they definitely should be on

121
00:08:38.289 --> 00:08:42.990
the lookout. Now, as far as changes on the prescription

122
00:08:43.029 --> 00:08:46.860
drug plans, there have been some things out there, you know,

123
00:08:47.019 --> 00:08:52.799
things rumoring around about some premium drugs. adjustments on the

124
00:08:52.840 --> 00:08:57.929
prescription drug plans. There's an average, I think, of about

125
00:08:57.929 --> 00:09:00.990
$ 40 of increase, but per plan, it should only maybe

126
00:09:01.029 --> 00:09:05.490
be about $ 10 per increase on the cost of prescription plans.

127
00:09:06.149 --> 00:09:09.840
There is a max out-of-pocket or like a, I don't

128
00:09:10.159 --> 00:09:15.460
know what they call it, it's their catastrophic coverage for prescriptions.

129
00:09:15.539 --> 00:09:18.940
So if you have a lot of high-tier Prescriptions, the

130
00:09:18.960 --> 00:09:24.580
catastrophic coverage in 2026 was 2,100. It is going up

131
00:09:24.679 --> 00:09:29.529
to 2,400 in 2027. So there is a little bit

132
00:09:29.649 --> 00:09:34.070
higher catastrophic coverage. That only really impacts people who are

133
00:09:34.269 --> 00:09:39.240
on high-tier prescriptions that are very costly. If you are

134
00:09:39.379 --> 00:09:44.419
on generic prescriptions, there usually is no cost involved with

135
00:09:44.440 --> 00:09:48.779
generic prescriptions or very little. But those are two changes

136
00:09:48.820 --> 00:09:54.120
that are definitely coming in 2027, mainly centered around the

137
00:09:54.419 --> 00:09:59.429
prescription drug plans. Now, there are always companies for Medicare

138
00:09:59.450 --> 00:10:04.200
Advantage that pull out of markets, no longer offer plans.

139
00:10:05.120 --> 00:10:08.440
That always happens somewhere from year to year.

140
00:10:10.120 --> 00:10:13.059
I got to tell you, Jill, that's what I'm worried about.

141
00:10:13.080 --> 00:10:18.440
I'm on Medicare Advantage, and I read an article. There's

142
00:10:18.500 --> 00:10:24.299
like big companies that are pulling out of.

143
00:10:26.019 --> 00:10:30.320
There is a company in my area that is pulling out,

144
00:10:30.379 --> 00:10:33.139
and I know it, but I can't repeat that at

145
00:10:33.159 --> 00:10:34.139
this time.

146
00:10:36.409 --> 00:10:41.090
But that's scary, though, because what I've learned, Jill, is

147
00:10:41.570 --> 00:10:46.029
our little bit older demographics that you deal with, they

148
00:10:46.169 --> 00:10:50.899
toss the mail. Because they get so much, excuse me,

149
00:10:50.960 --> 00:10:54.559
crap in the mail that a lot of people don't

150
00:10:54.879 --> 00:10:57.690
take the time to read. And this is going to

151
00:10:57.730 --> 00:11:00.370
be the time you want to read, right? Absolutely.

152
00:11:00.450 --> 00:11:04.909
Yes. Don't toss anything that is from your company that

153
00:11:04.929 --> 00:11:08.320
you're insured with. Please read it. Take the time to

154
00:11:08.340 --> 00:11:10.830
look over it. Open the mail and look at it.

155
00:11:10.960 --> 00:11:15.179
It's extremely important at this time of the year. I

156
00:11:15.330 --> 00:11:19.590
always send out memos and emails and text messages to

157
00:11:19.629 --> 00:11:24.269
my clients reminding them, be on the lookout for the letter.

158
00:11:24.769 --> 00:11:27.120
This is the time when you're going to be receiving your,

159
00:11:27.600 --> 00:11:32.799
it's called an annual notice of change document. A-N-O-C, ANOC

160
00:11:33.179 --> 00:11:37.220
is the definition or the abbreviation. But I always remind them,

161
00:11:37.240 --> 00:11:41.129
be on the lookout for this document. It's extremely important

162
00:11:41.710 --> 00:11:43.090
to take a look at that document.

163
00:11:44.149 --> 00:11:45.970
Well, I got to tell you, we've got so many

164
00:11:46.009 --> 00:11:50.350
people asking questions, but it looks like the biggest question

165
00:11:50.370 --> 00:11:55.330
that people have is, what is the difference between Medicare,

166
00:11:56.549 --> 00:12:01.690
which starts next month enrollment, and Medicare Advantage? Okay.

167
00:12:02.230 --> 00:12:06.720
So when you are initially enrolling in Medicare, you have

168
00:12:06.740 --> 00:12:11.460
a choice to have your traditional Medicare, which is your

169
00:12:11.539 --> 00:12:15.529
Hospital Part A, and your medical part B as your

170
00:12:15.570 --> 00:12:20.389
primary coverage. That can be supplemented by adding another policy

171
00:12:20.769 --> 00:12:24.509
because Medicare A and B only pay 80% of major medical.

172
00:12:25.049 --> 00:12:29.690
So the additional policy pays the additional 20%. That leaves

173
00:12:29.730 --> 00:12:33.389
your traditional Medicare A and B as your primary coverage.

174
00:12:34.690 --> 00:12:38.269
Having it that way gives you more flexibility with doctors

175
00:12:38.289 --> 00:12:41.909
and You can see any doctor that accepts original Medicare

176
00:12:42.029 --> 00:12:47.429
anywhere in the United States. The Medicare Advantage, on the

177
00:12:47.509 --> 00:12:52.669
other hand, it is going to take over if you

178
00:12:53.029 --> 00:12:56.860
opt for Medicare Advantage. The Part A and B, you

179
00:12:56.940 --> 00:13:01.000
still must have it, but it does not participate any longer.

180
00:13:01.120 --> 00:13:04.580
It is on the sidelines. They don't pay for any

181
00:13:04.600 --> 00:13:09.200
of your medical coverage anymore. So Medicare Advantage, the company,

182
00:13:09.580 --> 00:13:12.090
which is funded by the federal government, is going to

183
00:13:12.120 --> 00:13:16.110
take over. They're going to be the primary coverage. Really,

184
00:13:16.169 --> 00:13:19.950
differences between those, they operate completely differently. There is a

185
00:13:20.090 --> 00:13:25.169
charge on the first, for the 20% umbrella that you

186
00:13:25.190 --> 00:13:29.450
get to cover the 20%. There's a monthly charge. With Advantage,

187
00:13:29.490 --> 00:13:33.860
there's no monthly charge. There's all that doctor flexibility with

188
00:13:33.980 --> 00:13:38.720
the traditional Medicare and a supplement. With Medicare Advantage, you

189
00:13:38.759 --> 00:13:42.399
have a lot less doctor flexibility. You have to stay

190
00:13:42.419 --> 00:13:45.960
in the network with your providers. I think one of

191
00:13:46.000 --> 00:13:51.899
the biggest differences is having to get prior referrals and authorizations.

192
00:13:52.059 --> 00:13:56.230
With Medicare Advantage, if it is an HMO, you do

193
00:13:56.309 --> 00:13:59.789
have to get prior authorization and referrals to get any

194
00:13:59.850 --> 00:14:05.679
kind of treatment tests, surgeries, anything like that. PPOs on

195
00:14:05.700 --> 00:14:09.179
the Medicare Advantage are more flexible. They don't require as

196
00:14:09.259 --> 00:14:15.120
much prior authorization or referrals. With the traditional Medicare and

197
00:14:15.159 --> 00:14:19.490
a supplemental policy, that's not required. You don't have to

198
00:14:19.529 --> 00:14:19.929
do that.

199
00:14:21.350 --> 00:14:25.769
One of the things I was warned about when I

200
00:14:26.100 --> 00:14:30.590
did the Medicare Advantage is is I might not like

201
00:14:30.690 --> 00:14:34.830
the doctors that I have to use, but I got

202
00:14:34.889 --> 00:14:40.679
to tell you, I have had three surgeries and the

203
00:14:40.759 --> 00:14:44.100
doctors have been wonderful. Oh, that's excellent. Yeah.

204
00:14:45.000 --> 00:14:49.419
And the thing is, you know, some of the larger carriers, um,

205
00:14:49.600 --> 00:14:54.460
do have a lot of, uh, the doctor network. So,

206
00:14:54.840 --> 00:14:56.720
you know, if you're with a larger carrier versus a

207
00:14:56.779 --> 00:14:59.600
local carrier, there are a lot of options to choose

208
00:14:59.639 --> 00:15:01.539
from there with the doctor network.

209
00:15:01.720 --> 00:15:04.120
So I got to tell you, this is one of

210
00:15:04.179 --> 00:15:08.679
the reasons why it's so important to have a good agent, Joe,

211
00:15:08.750 --> 00:15:14.169
is because I saw my orthopedic surgeon, the network, and

212
00:15:14.210 --> 00:15:17.029
that's why I went with them. But then I found

213
00:15:17.289 --> 00:15:23.899
out that that group, is not part of my main provider.

214
00:15:24.159 --> 00:15:26.220
They have their own separate group.

215
00:15:26.559 --> 00:15:27.460
Right, right.

216
00:15:28.200 --> 00:15:30.720
And if I would have had a good agent, they

217
00:15:30.740 --> 00:15:33.649
would have been able to explain that to me.

218
00:15:33.990 --> 00:15:34.289
Right.

219
00:15:34.309 --> 00:15:38.889
So I lost my orthopedic surgeon even though they were

220
00:15:38.970 --> 00:15:40.830
in network. Oh, boy.

221
00:15:41.289 --> 00:15:44.620
Yeah, that does happen sometimes. Are you on an HMO

222
00:15:44.669 --> 00:15:45.750
or a PPO, Steve?

223
00:15:45.769 --> 00:15:46.200
HMO.

224
00:15:46.419 --> 00:15:51.070
HMO, yeah. More restrictive there. a little bit less restrictive

225
00:15:51.120 --> 00:15:54.669
on a PPO. But, you know, pros and cons from

226
00:15:54.950 --> 00:15:59.669
HMO to PPO Medicare Advantage plans, PPO has a lot

227
00:15:59.769 --> 00:16:03.070
higher maximum out-of-pocket. So if you do run into some

228
00:16:03.110 --> 00:16:07.029
severe health situations, you can expect that you're going to

229
00:16:07.070 --> 00:16:10.529
pay a lot more because of that max out-of-pocket. Usually

230
00:16:10.590 --> 00:16:14.149
PPOs have a little less benefits as well and higher

231
00:16:14.210 --> 00:16:16.529
co-pays for your services.

232
00:16:16.590 --> 00:16:21.870
So I know everybody is different, but what is the

233
00:16:22.269 --> 00:16:28.730
average amount of plans you show your new clients? Well,

234
00:16:28.789 --> 00:16:29.230
we do a.

235
00:16:29.269 --> 00:16:33.029
Pretty good needs assessment, so we can usually narrow it

236
00:16:33.080 --> 00:16:35.799
down to about two to three plans that will fit

237
00:16:35.840 --> 00:16:38.929
their needs. Yeah, you don't need to show them 15

238
00:16:38.929 --> 00:16:42.159
or 20 plans. That just gets everyone confused, to be

239
00:16:42.200 --> 00:16:45.980
honest with you. So we do the needs assessment, narrow

240
00:16:46.019 --> 00:16:49.820
it down, and present them usually two to three plans

241
00:16:50.210 --> 00:16:50.830
to choose from.

242
00:16:51.629 --> 00:16:54.750
This is from Melvin. He said, I have watched your

243
00:16:54.789 --> 00:16:59.649
last three shows. I really like the way you educate us.

244
00:16:59.690 --> 00:17:03.159
Thank you so much. I will be calling you next week.

245
00:17:03.639 --> 00:17:04.140
You're so welcome.

246
00:17:04.930 --> 00:17:07.049
I am getting rid of my agent.

247
00:17:08.190 --> 00:17:10.470
Oh, no.

248
00:17:10.509 --> 00:17:14.410
Listen, you know what? When people feel comfortable with you,

249
00:17:15.269 --> 00:17:19.130
maybe they don't feel as comfortable with their other agent. Right.

250
00:17:19.210 --> 00:17:22.500
I've got to tell you, Jill, there are agents out

251
00:17:22.579 --> 00:17:26.539
there that just go through the motions. Right, right. Because

252
00:17:26.599 --> 00:17:30.680
I had one of those. Jill doesn't do that. I mean,

253
00:17:30.740 --> 00:17:33.730
customer service... is so important to you.

254
00:17:34.089 --> 00:17:38.730
It is important. Customer service is key. Anybody out there

255
00:17:38.769 --> 00:17:42.710
that's licensed and certified can present you with plans, but

256
00:17:42.869 --> 00:17:47.470
actually getting a needs assessment, knowing your needs, making sure

257
00:17:47.490 --> 00:17:51.000
you're there when the customer has something come up, that's

258
00:17:51.019 --> 00:17:53.279
the most important thing you can do for your clients.

259
00:17:53.700 --> 00:17:57.640
And there are things that come up. There's a constantly,

260
00:17:57.940 --> 00:18:01.380
you know, people have questions. They don't understand, you know,

261
00:18:01.660 --> 00:18:05.009
why this was, you know, this particular thing happened or

262
00:18:05.440 --> 00:18:08.769
this doctor wasn't covered or that bill wasn't paid. So

263
00:18:09.269 --> 00:18:11.630
I always get involved and try to help out with

264
00:18:11.670 --> 00:18:14.329
these things. Just want to make sure everyone is taken

265
00:18:14.349 --> 00:18:14.670
care of.

266
00:18:14.670 --> 00:18:18.769
I am so sorry about all the questions people have

267
00:18:18.869 --> 00:18:20.230
out there, but I've got to ask.

268
00:18:20.329 --> 00:18:21.269
I love questions.

269
00:18:21.630 --> 00:18:27.519
I'm getting robo calls. Oh, yes. But I'm also getting

270
00:18:27.839 --> 00:18:31.619
some live calls. And this is what they're doing. They're

271
00:18:31.720 --> 00:18:36.880
covering up who they're with, first of all. And they're saying,

272
00:18:37.380 --> 00:18:41.470
we have got benefits you haven't taken advantage of yet.

273
00:18:42.329 --> 00:18:48.970
You have your $ 3, 000 grocery. Yeah. I've learned.

274
00:18:48.990 --> 00:18:53.450
You probably learned the hard way that that's not really available.

275
00:18:54.369 --> 00:18:57.430
Because they hear all these things on TV.

276
00:18:57.589 --> 00:18:57.930
Yes.

277
00:18:58.130 --> 00:19:00.490
What are some of the scams out there that people

278
00:19:00.529 --> 00:19:01.609
have to watch out for?

279
00:19:02.329 --> 00:19:05.339
I think the main scam is the fact that they

280
00:19:05.380 --> 00:19:09.500
will call you and say that you have not qualified

281
00:19:09.559 --> 00:19:13.000
for all your benefits. That's the one that my clients

282
00:19:13.160 --> 00:19:15.240
contact me and say, why are these people telling me this?

283
00:19:16.240 --> 00:19:19.819
And the grocery card. But the thing to remember about,

284
00:19:20.099 --> 00:19:25.630
and there are some plans that do offer assistance like that. However,

285
00:19:25.950 --> 00:19:30.369
in order to qualify for assistance with a grocery card,

286
00:19:31.170 --> 00:19:35.920
you have to be a Medicaid plus a Medicare recipient.

287
00:19:36.019 --> 00:19:38.700
So not only do you have to have Medicare, but

288
00:19:38.740 --> 00:19:42.769
you also need to have Medicaid in most instances. There

289
00:19:42.849 --> 00:19:45.859
are a few exceptions to that, and that would be

290
00:19:46.940 --> 00:19:50.930
on some of the chronic condition plans. if you qualify.

291
00:19:51.450 --> 00:19:56.519
The only chronic conditions that the companies will recognize would

292
00:19:56.579 --> 00:20:02.720
be heart disease and heart failure. It would be dialysis,

293
00:20:03.200 --> 00:20:07.180
receiving dialysis, And diabetes, those are the main three things.

294
00:20:07.220 --> 00:20:10.039
And not even all of the chronic plans in those

295
00:20:10.099 --> 00:20:15.289
situations will offer you those kind of benefits, especially not $ 3, 000

296
00:20:15.130 --> 00:20:18.950
a year. It's more like, you know, just a few

297
00:20:18.970 --> 00:20:22.630
dollars a month. It's definitely not $ 3, 000 a year. So

298
00:20:23.609 --> 00:20:28.329
don't be led to believe these folks who call you

299
00:20:28.369 --> 00:20:31.730
randomly out of the blue offering you these things. it's

300
00:20:32.170 --> 00:20:36.269
typically not going to work out. And really their main

301
00:20:36.789 --> 00:20:41.279
objective in calling you is to persuade you that whatever

302
00:20:41.339 --> 00:20:43.680
plan you have right now is not the right plan

303
00:20:43.720 --> 00:20:48.279
for you, whatever it be. They want to get you

304
00:20:48.359 --> 00:20:50.539
switched to something else. And why do they want to

305
00:20:50.579 --> 00:20:54.119
do that? Well, quite honestly, because it pads their pockets.

306
00:20:54.200 --> 00:20:57.609
So I wouldn't, you know, I don't, I don't do

307
00:20:57.640 --> 00:21:00.809
that to people. If someone calls me and they want

308
00:21:00.869 --> 00:21:04.210
an honest review on their plan, I would be more

309
00:21:04.250 --> 00:21:06.470
than happy to do that. But if they are in

310
00:21:06.549 --> 00:21:10.369
the plan that best fits their needs, I am not

311
00:21:10.390 --> 00:21:14.250
going to suggest another plan for them or for them

312
00:21:14.289 --> 00:21:19.210
to move to something different. Some people just push you

313
00:21:19.259 --> 00:21:22.640
to do that, and that's not necessarily the right thing

314
00:21:22.700 --> 00:21:22.980
to do.

315
00:21:23.799 --> 00:21:27.619
So I shared with you before I had a horrible agent.

316
00:21:28.130 --> 00:21:30.329
And just let me just tell you to me what

317
00:21:30.369 --> 00:21:33.829
a horrible agent is. A friend of mine who was

318
00:21:33.930 --> 00:21:39.619
with the same company said, oh, are you getting your benefits?

319
00:21:40.819 --> 00:21:43.539
I said, wait a minute, what benefits? He said, oh,

320
00:21:43.599 --> 00:21:47.119
you've got $ 100 benefit. You just have to go into

321
00:21:47.140 --> 00:21:50.339
their website and What are you talking about?

322
00:21:50.359 --> 00:21:51.279
Right.

323
00:21:51.450 --> 00:21:57.059
Showed me I got like $ 100 of benefits that agent

324
00:21:57.099 --> 00:21:58.019
never told me about.

325
00:21:58.180 --> 00:22:02.099
Right. They didn't go over the benefits with you. What

326
00:22:02.339 --> 00:22:06.740
you're referring to is called the over-the-counter benefits. And a

327
00:22:06.799 --> 00:22:09.900
lot of plans will offer something on a quarterly basis

328
00:22:09.980 --> 00:22:13.539
for you to purchase or get over-the-counter products. It could

329
00:22:13.579 --> 00:22:18.000
be things like Tylenol or Band-Aids or blood pressure cuff

330
00:22:18.079 --> 00:22:22.099
or heating pads. And a lot of the companies will

331
00:22:22.259 --> 00:22:27.289
offer something in that capacity. But the key is when

332
00:22:28.109 --> 00:22:31.890
a customer is enrolling into a plan, you have to

333
00:22:31.930 --> 00:22:34.750
go through each of the benefits of that plan with them.

334
00:22:35.269 --> 00:22:38.710
And I do that every single enrollment. I go through

335
00:22:38.990 --> 00:22:44.220
every copay at a specialist office. copay for a hospital,

336
00:22:45.160 --> 00:22:48.339
copay for surgery, all of the benefits, how much they

337
00:22:48.380 --> 00:22:53.809
get for the dental, the vision, over-the-counter, the hearing benefit

338
00:22:53.970 --> 00:22:56.369
in a Medicare Advantage plan. These are all Medicare Advantage

339
00:22:56.390 --> 00:22:58.829
benefits because they kind of throw in a lot of

340
00:22:58.869 --> 00:23:01.309
stuff in the Medicare Advantage plans. But I go through

341
00:23:01.450 --> 00:23:06.519
each and every benefit and each and every copay. I

342
00:23:06.599 --> 00:23:10.579
also send out, you know, like by email or mail

343
00:23:10.599 --> 00:23:14.450
or whatever they require, Evidence of coverage document, which has

344
00:23:14.789 --> 00:23:17.390
all of that information in the document so that they

345
00:23:17.430 --> 00:23:18.619
can have that information.

346
00:23:19.339 --> 00:23:22.420
Jill, your show goes by so fast. Tell people how

347
00:23:22.460 --> 00:23:23.259
they can reach you.

348
00:23:24.039 --> 00:23:26.500
You can reach me by calling the office number, 832-281-4474.

349
00:23:26.500 --> 00:23:38.789
You can go to my website, www.insurewithbelvin.com. In my website,

350
00:23:38.869 --> 00:23:41.609
there is an appointment form. You can complete that and

351
00:23:41.710 --> 00:23:47.819
schedule on my calendar. You can email me at jilllovesmedicare

352
00:23:48.660 --> 00:23:57.880
at gmail.com, J-I-L-L-L-O-V-E-S-M-E-D-I-C-A-R-E at gmail.com or jillbelvin at yahoo.com. I

353
00:23:58.240 --> 00:24:02.180
have a couple of emails you can get me, phone number, website,

354
00:24:02.559 --> 00:24:04.799
any of those you'll get to me.

355
00:24:05.500 --> 00:24:09.980
Jill will be back with us the second Tuesday at

356
00:24:09.980 --> 00:24:12.900
1 o'clock Central Time, and then we will let you

357
00:24:12.940 --> 00:24:15.829
know when this show is going to be replayed. Jill,

358
00:24:15.849 --> 00:24:16.740
thank you so much.

359
00:24:16.940 --> 00:24:17.670
Thank you.

360
00:24:17.710 --> 00:24:20.450
Have a blessed weekend. We'll see you soon. All right.

361
00:24:20.470 --> 00:24:24.049
Take care. That's Jill Belvin, the Belvin Insurance Agency. We're

362
00:24:24.069 --> 00:24:25.549
going to go to break. We'll be right back.

363
00:24:27.269 --> 00:24:30.250
Thanks for tuning in today to the Ask the Expert

364
00:24:30.329 --> 00:24:34.859
show on W4CY Radio and Talk4TV. Tune in next week

365
00:24:35.019 --> 00:24:37.779
and every week to hear more from our experts on

366
00:24:37.900 --> 00:24:43.789
personal injury, insurance, air condition repairs, estate planning, Medicare, and

367
00:24:44.109 --> 00:24:48.690
many other topics in the areas of legal, health, financial,

368
00:24:49.009 --> 00:24:49.809
and home improvement.

369
00:24:50.630 --> 00:24:51.410
See you next week.

Galatians Part 2 and Ephesians Part 1

Listen On

Featured Episodes

Recent Episodes