1 00:00:01,501 --> 00:00:05,538 And now America's Healthcare Advocate, Cary Hall. 2 00:00:05,772 --> 00:00:06,573 Hello, America. 3 00:00:06,573 --> 00:00:08,308 Welcome to America's Healthcare Advocates. 4 00:00:08,308 --> 00:00:11,311 Show Broadcasting Coast to coast across the USA. 5 00:00:11,344 --> 00:00:14,581 Here on the HIA Radio Network, you can find out more about us 6 00:00:14,814 --> 00:00:18,118 by going to the website AmericasHealthcareAdvocate.com. 7 00:00:18,318 --> 00:00:22,555 Also, all these shows are posted on our podcast platform and YouTube platform. 8 00:00:22,922 --> 00:00:24,057 New numbers. 9 00:00:24,057 --> 00:00:27,127 We are at 605,000 views. 10 00:00:27,427 --> 00:00:30,196 That's because. And listens on podcast. 11 00:00:30,196 --> 00:00:32,432 That's because of all of you in this audience. 12 00:00:32,432 --> 00:00:35,335 I want to thank you too. The show continues to grow. 13 00:00:35,335 --> 00:00:39,472 We continue to pick up affiliates and what's going on on our podcast. 14 00:00:39,472 --> 00:00:42,942 And YouTube is beyond anything I thought we'd ever accomplish. 15 00:00:43,109 --> 00:00:46,980 Hats off to Garner and to Dave Thiessen for putting all this together. 16 00:00:46,980 --> 00:00:50,283 And Dave, particularly for all the shows he videotapes and puts up there. 17 00:00:50,550 --> 00:00:52,752 If you're looking for ACA, Obamacare, 18 00:00:52,752 --> 00:00:55,021 maybe you're going to get one of those letters 19 00:00:55,021 --> 00:00:57,357 and you got one of those 17% increases. 20 00:00:57,357 --> 00:01:00,360 Of course you wouldn't if you were on Blue Cross and Blue Shield of Kansas City. 21 00:01:00,427 --> 00:01:01,995 But let's just say you're not. 22 00:01:01,995 --> 00:01:06,066 You might want to give Carolee Steele over at RPS Benefits by Design a call. 23 00:01:06,833 --> 00:01:08,201 And see if they can help you. 24 00:01:08,201 --> 00:01:11,237 That would be (913) 385 2224. 25 00:01:11,371 --> 00:01:14,207 That's (913) 385 2224. 26 00:01:14,207 --> 00:01:16,743 And if you're looking for employer sponsored coverage, 27 00:01:16,743 --> 00:01:20,513 call Maria Ahlers she'll show you everything in the marketplace and help 28 00:01:20,513 --> 00:01:21,948 you make the right decision. 29 00:01:21,948 --> 00:01:22,282 All right. 30 00:01:22,282 --> 00:01:26,286 In studio with me for what is this, like the 12th, the 13th year we've done? 31 00:01:26,519 --> 00:01:27,720 It's been a lot of years. 32 00:01:27,720 --> 00:01:29,589 Well, you've been there 30 years. 30 years. 33 00:01:29,589 --> 00:01:32,225 Okay, I don't have that number, but I've been doing this 34 00:01:32,225 --> 00:01:34,794 since Ron Rowe brought us in. Yes. 35 00:01:34,794 --> 00:01:37,797 And that was seven, 18 years ago. Yes. 36 00:01:37,797 --> 00:01:39,933 As Blue Cross became our first sponsor. Yes. 37 00:01:39,933 --> 00:01:42,602 And so today we're going to do what we call the FEP Show. 38 00:01:42,602 --> 00:01:45,405 That's the Federal Employee Show. We do this every year. 39 00:01:45,405 --> 00:01:48,908 The purpose of it is to inform the federal employees 40 00:01:48,908 --> 00:01:52,312 about this open enrollment period they have, which is very narrow. 41 00:01:52,545 --> 00:01:55,115 It's November 10th to December 8th. 42 00:01:55,115 --> 00:01:57,550 It's not a large open enrollment period. 43 00:01:57,550 --> 00:02:00,487 So the idea here is to get this information out there. 44 00:02:00,487 --> 00:02:02,122 We'll put it up on our YouTube channel. 45 00:02:02,122 --> 00:02:05,125 Our podcast channel, and then we'll tell the federal employees, 46 00:02:05,258 --> 00:02:07,393 you know, where they can go to get more information. 47 00:02:07,393 --> 00:02:09,963 But the whole idea about this is to educate folks. 48 00:02:09,963 --> 00:02:12,799 So let's just start with how many federal 49 00:02:12,799 --> 00:02:16,870 and postal employees estimate do we have in the Kansas City metro? 50 00:02:17,070 --> 00:02:20,373 Kansas City Metro, we have over 39,000 members. 51 00:02:21,441 --> 00:02:23,610 That and their families have chosen us. 52 00:02:23,610 --> 00:02:27,647 And, you know, we appreciate that federal employees in the Kansas City 53 00:02:27,647 --> 00:02:31,651 area, over and over have shown we have a 99% retention, which is. 54 00:02:31,651 --> 00:02:32,185 Insane. 55 00:02:32,185 --> 00:02:35,455 Which is insane that, you know, members join us 56 00:02:35,455 --> 00:02:38,591 and they stay because we have and we'll touch on this later. 57 00:02:38,791 --> 00:02:41,561 Our customer service is oh, we'll. Talk about. That. 58 00:02:41,561 --> 00:02:45,665 And so we just have, we just really it's really a priority for us. 59 00:02:45,765 --> 00:02:46,599 Blue Cross and Blue Shield. 60 00:02:46,599 --> 00:02:46,766 Yeah. 61 00:02:46,766 --> 00:02:50,370 I the fact that you retain 99% of your members, that's, 62 00:02:50,870 --> 00:02:53,106 That's really hard to believe. It's hard. Yeah. 63 00:02:53,106 --> 00:02:56,743 But it's remarkable tribute to the folks at Blue Cross of Kansas City and all that 64 00:02:56,743 --> 00:02:57,577 you guys do. 65 00:02:57,577 --> 00:03:01,114 So let's talk a little bit about, doctors, hospitals and access, 66 00:03:01,114 --> 00:03:04,584 because this is another piece of this that makes it so different 67 00:03:04,584 --> 00:03:07,153 than anything else that's out there in the marketplace. 68 00:03:07,153 --> 00:03:07,954 Yeah. 69 00:03:07,954 --> 00:03:11,658 For all of our plans that we have there nationwide plan, some of them. 70 00:03:11,658 --> 00:03:15,662 May you have to stay in the network for both our basic and our blue focus. 71 00:03:15,662 --> 00:03:19,933 But as far as access, we have 99% of all doctors. 72 00:03:21,734 --> 00:03:23,770 That are in 73 00:03:23,770 --> 00:03:26,172 nationwide that are in the network. Okay. 74 00:03:26,172 --> 00:03:30,310 So if you go in for Thanksgiving, you're going to go see somebody out of town. 75 00:03:30,310 --> 00:03:32,011 You're going to have coverage wherever you are. 76 00:03:32,011 --> 00:03:33,513 Hundred percent, wherever you are. 77 00:03:33,513 --> 00:03:34,113 You’re going to have coverage. 78 00:03:34,113 --> 00:03:37,483 So that's one of the good things about Blue Cross Blue Shield. 79 00:03:37,483 --> 00:03:39,953 You're not going to go anywhere. Show your Blue Cross card. 80 00:03:39,953 --> 00:03:42,956 And they're going to say, what is it that you have. 81 00:03:43,823 --> 00:03:45,692 No they will not. 82 00:03:45,692 --> 00:03:47,560 So yeah they won't you know. 83 00:03:47,560 --> 00:03:50,563 And so the doctors, hospitals that we have, 84 00:03:50,563 --> 00:03:54,834 we also have a Teladoc program, you know, which during Covid 85 00:03:54,834 --> 00:03:57,837 really kind of picked up where people are able to do it, 86 00:03:58,571 --> 00:04:00,840 on their phone, for doctors 87 00:04:00,840 --> 00:04:03,843 and so we still have that Teladoc, available. 88 00:04:03,843 --> 00:04:05,211 Which is interesting because, you know, 89 00:04:05,211 --> 00:04:08,214 that that also has mental health support on it as well. 90 00:04:08,248 --> 00:04:11,217 That is, that is and that's really been a priority for us, 91 00:04:11,217 --> 00:04:14,087 as well as a lot of other people out there with just, you know, things. 92 00:04:14,087 --> 00:04:15,421 As things are going 93 00:04:15,421 --> 00:04:18,958 mental health is definitely, mental health parity that we have in the state. 94 00:04:19,192 --> 00:04:20,627 And so it's a very important thing. 95 00:04:20,627 --> 00:04:23,630 And we have that with our Teladoc as well. 96 00:04:23,663 --> 00:04:23,896 Yeah. 97 00:04:23,896 --> 00:04:28,268 And I know Erin Stucky, your CEO, has really kind of pioneered this along with, 98 00:04:28,468 --> 00:04:31,437 you know, you've got Ryan Lefebvre who's going to be in this radio studio 99 00:04:31,437 --> 00:04:34,140 in a couple of weeks to talk about mental health and all that. 100 00:04:34,140 --> 00:04:34,707 You know, 101 00:04:34,707 --> 00:04:38,878 there is an issue with this, especially, you know, amongst younger people. 102 00:04:38,878 --> 00:04:40,780 I've got, you know, six grandchildren. 103 00:04:40,780 --> 00:04:42,482 And thank God none of them had this issue. 104 00:04:42,482 --> 00:04:43,683 But there are a lot of young people 105 00:04:43,683 --> 00:04:46,185 out there on social media and these other places. 106 00:04:46,185 --> 00:04:48,121 You see these kids committing suicide. 107 00:04:48,121 --> 00:04:49,922 You see these kids harming themselves. 108 00:04:49,922 --> 00:04:53,593 And the fact that you've got this available in Teladoc, 109 00:04:53,793 --> 00:04:55,261 where the kid can go in a room, 110 00:04:55,261 --> 00:04:58,598 close the door and get on a computer and talk to a clinician. 111 00:04:58,998 --> 00:05:01,301 That's a big deal, Ron. Right. Yeah, it is a big deal. 112 00:05:01,301 --> 00:05:02,535 It gives people some privacy. 113 00:05:02,535 --> 00:05:05,972 It gives people some comfort, especially to be able to do it in their home. 114 00:05:05,972 --> 00:05:07,340 You know, I think that allows some people 115 00:05:07,340 --> 00:05:09,976 to have some comfort to do it in their own home. 116 00:05:09,976 --> 00:05:13,513 And so it's just one of the things that we try to do, you know, 117 00:05:13,513 --> 00:05:18,685 and we've been in Blue Cross is 60 years in the federal employee program. 118 00:05:18,951 --> 00:05:19,652 That's amazing. 119 00:05:19,652 --> 00:05:20,820 I didn't know it was that long. Yeah. 120 00:05:20,820 --> 00:05:25,525 60 years of continuous service to the federal employees of their family. 121 00:05:25,525 --> 00:05:27,827 Of the members and the families. 122 00:05:27,827 --> 00:05:30,596 And, that includes postal workers as well. 123 00:05:30,596 --> 00:05:32,198 Includes postal workers as well. 124 00:05:32,198 --> 00:05:33,533 So pretty remarkable. 125 00:05:33,533 --> 00:05:36,969 Let's talk a little bit about the FEP Medicare prescription drug program. 126 00:05:37,637 --> 00:05:40,073 And how that works and what that's like. 127 00:05:40,073 --> 00:05:42,442 For, Medicare prescription drug programs. 128 00:05:42,442 --> 00:05:45,445 So for postal employees, we'll talk about that real quick. 129 00:05:45,511 --> 00:05:47,847 Postal employees, it's an automatic add. 130 00:05:47,847 --> 00:05:50,283 You don't have an option for it. Okay. 131 00:05:50,283 --> 00:05:51,918 So when you retire, 132 00:05:53,119 --> 00:05:56,122 and turn 65 as a postal employee, you're 133 00:05:56,122 --> 00:05:59,559 automatically going to be enrolled in that Medicare prescription drug program. 134 00:05:59,559 --> 00:06:01,227 And you get to keep your benefits. 135 00:06:01,227 --> 00:06:02,729 And you get to keep your. 136 00:06:02,729 --> 00:06:06,099 Those are your those are your, prescription drug benefits, 137 00:06:06,099 --> 00:06:07,166 a medical drug. 138 00:06:07,166 --> 00:06:09,802 But as well that goes along with your medical benefits. 139 00:06:09,802 --> 00:06:10,069 Right. 140 00:06:10,069 --> 00:06:13,840 So but you have to enroll in that because if you do not as a postal employee, 141 00:06:13,840 --> 00:06:18,111 you will not have any, prescription drug program or prescription drug. 142 00:06:18,211 --> 00:06:19,445 Covered. Benefits. Yes. 143 00:06:19,445 --> 00:06:22,382 So that's really kind of important thing to know. Very important. 144 00:06:22,382 --> 00:06:28,521 So if they have questions about that, the phone number is (888) 338-7737. 145 00:06:28,788 --> 00:06:32,191 That's (888) 338-7737. 146 00:06:32,425 --> 00:06:33,326 If they want to call 147 00:06:33,326 --> 00:06:36,362 and try to have somebody say, well what is it and how does it work. 148 00:06:36,362 --> 00:06:36,996 Yeah, what is it? 149 00:06:36,996 --> 00:06:39,699 How does it work. They can call that number. They can also call, 150 00:06:40,933 --> 00:06:42,001 you know, your blue cross. 151 00:06:42,001 --> 00:06:43,336 If you turn around on your Blue Cross 152 00:06:43,336 --> 00:06:47,106 card, the back of it, on the back of there is your customer service number. 153 00:06:47,340 --> 00:06:49,976 We're always available to answer those questions. 154 00:06:49,976 --> 00:06:53,012 So talk a little bit about, you know, the approved prescription drugs 155 00:06:53,012 --> 00:06:55,982 and some of the tiers and how all that's going to work 156 00:06:56,182 --> 00:06:58,718 for these folks that are on these plans with the out-of-pocket costs, 157 00:06:58,718 --> 00:06:59,919 because that's always a big issue. 158 00:06:59,919 --> 00:07:00,253 Right? 159 00:07:00,253 --> 00:07:03,623 So, some of the out-of-pocket cost on those. 160 00:07:03,623 --> 00:07:08,895 The prescription drugs, so on the on the new Medicare 161 00:07:08,895 --> 00:07:11,898 MPDP, is what they like to call it. 162 00:07:11,964 --> 00:07:13,099 There are some savings. 163 00:07:13,099 --> 00:07:16,102 So there is a, deductible 164 00:07:16,969 --> 00:07:18,404 that is on there 165 00:07:18,404 --> 00:07:22,775 for the Medicare prescription drug program of $2,500. 166 00:07:22,775 --> 00:07:25,411 Okay. That's the typical one that's on the Medicare programs. 167 00:07:25,411 --> 00:07:26,979 The same thing that I have. 168 00:07:26,979 --> 00:07:29,582 So that is your stop loss. 169 00:07:29,582 --> 00:07:32,151 So that's the most that you're going to be out of pocket in the calendar year. 170 00:07:32,151 --> 00:07:33,653 That wasn't available before. 171 00:07:33,653 --> 00:07:37,890 There was no stop loss on the Medicare prescription drug program. 172 00:07:37,924 --> 00:07:40,159 Right. On your regular prescription drug plan. 173 00:07:40,159 --> 00:07:43,563 So that is a really big thing, because a lot of people as you age, 174 00:07:43,563 --> 00:07:46,499 as we all age, we take more prescription drugs. 175 00:07:47,467 --> 00:07:48,734 He’s looking at me. 176 00:07:48,734 --> 00:07:49,669 You're seeing this, right? 177 00:07:49,669 --> 00:07:51,771 The guy with the white hair feature, right? 178 00:07:51,771 --> 00:07:52,138 Yeah. 179 00:07:52,138 --> 00:07:53,906 You're right pal. 180 00:07:53,906 --> 00:07:56,142 So you know, we take more stuff. It's more expensive. 181 00:07:56,142 --> 00:07:59,312 And so it really kind of gives you an idea of, 182 00:07:59,312 --> 00:08:01,914 hey, this is the most in a calendar year that I'll be out. 183 00:08:01,914 --> 00:08:06,152 So it kind of helps you prepare and kind of train for what, or 184 00:08:06,219 --> 00:08:08,221 just prepare for what you're going to have for the year. 185 00:08:08,221 --> 00:08:09,422 And here's the thing, okay. 186 00:08:09,422 --> 00:08:11,891 This is confusing to people, okay. 187 00:08:11,891 --> 00:08:15,561 And we don't expect you to understand this just by listening to the broadcast 188 00:08:15,561 --> 00:08:17,296 today or the podcast or whatever. 189 00:08:17,296 --> 00:08:20,433 But I urge you, you know, if you do have questions 190 00:08:20,433 --> 00:08:23,436 (888) 338-7737. 191 00:08:23,669 --> 00:08:24,670 The customer service. 192 00:08:24,670 --> 00:08:27,073 And we'll talk about this later in the show at Blue Cross. 193 00:08:27,073 --> 00:08:30,076 And Blue Shield of Kansas City is above and beyond, 194 00:08:30,643 --> 00:08:32,478 any competitor in the marketplace. 195 00:08:32,478 --> 00:08:35,481 And they get they've won award after award after award. 196 00:08:35,581 --> 00:08:37,283 J.D. power multiple years. 197 00:08:37,283 --> 00:08:39,619 There's other ones. We'll talk more about that later in the show. 198 00:08:39,619 --> 00:08:43,389 But the point I'm making is don't be concerned or confused. 199 00:08:43,422 --> 00:08:45,758 Get the facts, call that number. 200 00:08:45,758 --> 00:08:47,226 They'll be happy to help you. Right? 201 00:08:47,226 --> 00:08:50,363 That is correct because there's always somebody there to do whatever is needed. 202 00:08:50,363 --> 00:08:52,765 There's always somebody there to to help you out. 203 00:08:52,765 --> 00:08:53,933 And so and definitely 204 00:08:55,401 --> 00:08:56,869 use the resources. 205 00:08:56,869 --> 00:08:59,138 FEPBlue.org 206 00:08:59,138 --> 00:09:01,541 on our website, you can always go to FEPBlue.org. 207 00:09:01,541 --> 00:09:03,743 We have a lot of great information there as well. Yeah. 208 00:09:03,743 --> 00:09:04,810 We're gonna come back to the break. 209 00:09:04,810 --> 00:09:07,813 When we do, we'll start talking about the other benefits that are available, 210 00:09:07,880 --> 00:09:11,918 including the FEP dental and the FEP vision. 211 00:09:11,918 --> 00:09:13,986 These are some pretty robust benefits. 212 00:09:13,986 --> 00:09:16,989 So if you're a federal employee or one of the 213 00:09:17,189 --> 00:09:20,192 federal employees in your family, you definitely want to listen to this. 214 00:09:20,526 --> 00:09:23,629 Then we'll talk about the actual plan designs for this year. 215 00:09:23,629 --> 00:09:26,232 What changes there are and what they look like. So stay tuned. 216 00:09:26,232 --> 00:09:27,600 We'll be right back after the break. 217 00:09:27,600 --> 00:09:31,637 You're listening to America's Healthcare Advocate broadcasting coast to coast 218 00:09:31,904 --> 00:09:35,341 across the USA here on the HIA Radio Network. 219 00:09:35,708 --> 00:09:37,476 We'll be right back after the break. Stay tuned. 220 00:09:48,387 --> 00:09:49,021 Welcome back. 221 00:09:49,021 --> 00:09:50,523 You're listening to America's Healthcare 222 00:09:50,523 --> 00:09:54,093 Advocate show broadcasting coast to coast across USA. 223 00:09:54,327 --> 00:09:57,163 Here on the HIA Radio Network, you can find out 224 00:09:57,163 --> 00:10:00,766 more about us by going to the website AmericasHealthcareAdvocate.com. 225 00:10:00,900 --> 00:10:05,504 I want to give a shout out to one of our oldest affiliates, KGOZ, 226 00:10:05,738 --> 00:10:09,108 101.7, in Trenton and Gallatin Missouri. 227 00:10:09,609 --> 00:10:13,012 I remember going up to that studio to do live radio up there. 228 00:10:13,846 --> 00:10:15,114 How long I've been on the air, Dave? 229 00:10:15,114 --> 00:10:16,182 20 years. 230 00:10:16,182 --> 00:10:18,150 So I was up there, I think about 18 years ago 231 00:10:18,150 --> 00:10:20,886 when we first started, they were opening a LifeFlight base, 232 00:10:20,886 --> 00:10:24,357 and we also had a Saint Luke's had taken over the regional hospital there. 233 00:10:24,557 --> 00:10:30,062 So shout out to them, because we've been around a long time on KGOZ 101.7. 234 00:10:30,062 --> 00:10:31,130 We're on their Saturday mornings. 235 00:10:31,130 --> 00:10:32,164 I think it's about 8:00. 236 00:10:32,164 --> 00:10:33,766 So thank you all. 237 00:10:33,766 --> 00:10:36,002 And we're so happy to still be on the air there. 238 00:10:36,002 --> 00:10:36,268 All right. 239 00:10:36,268 --> 00:10:39,405 In studio with me, Ron Miller from Blue Cross and Blue Shield of Kansas City. 240 00:10:39,405 --> 00:10:41,040 This is our FEP show. 241 00:10:41,040 --> 00:10:44,744 This is the show we do to tell federal employees how they can enroll. 242 00:10:45,244 --> 00:10:47,013 And what that timeline is. 243 00:10:47,013 --> 00:10:48,948 And this is kind of important for you to know. 244 00:10:48,948 --> 00:10:51,050 I'm going to repeat this. Probably every segment. 245 00:10:51,050 --> 00:10:55,521 Open enrollment here starts on November 10th and it ends December 8th. 246 00:10:55,755 --> 00:10:57,390 What is that, 18 days? 247 00:10:57,390 --> 00:10:59,325 Yeah, it's about 18 days. 248 00:10:59,325 --> 00:11:01,594 That's the shortest open enrollment period. 249 00:11:01,594 --> 00:11:05,031 Of anybody out there, that the federal employees have. 250 00:11:05,031 --> 00:11:07,700 So it's really important that, you know what your options are. 251 00:11:07,700 --> 00:11:11,804 And if you don't understand this stuff, did you call 1-800 411 BLUE. 252 00:11:11,804 --> 00:11:13,439 1-800 411 BLUE. 253 00:11:13,439 --> 00:11:16,809 That is dedicated to the federal employees to help you. 254 00:11:17,610 --> 00:11:21,547 FEPblue.org is the website, FEPblue.org is the website. 255 00:11:21,714 --> 00:11:23,582 So the options for the health plans 256 00:11:23,582 --> 00:11:25,618 for the postal workers, just go through those briefly. 257 00:11:25,618 --> 00:11:26,686 If you can, Ron. 258 00:11:26,686 --> 00:11:27,019 Yeah. 259 00:11:27,019 --> 00:11:31,724 So last year the postal workers, all the federal employees were in one 260 00:11:31,724 --> 00:11:32,458 big group. 261 00:11:32,458 --> 00:11:32,725 All right. 262 00:11:32,725 --> 00:11:35,327 We had postal workers, we had federal employees. 263 00:11:35,327 --> 00:11:40,766 And last year, the, postal employees separated from the federal employees. 264 00:11:40,800 --> 00:11:41,967 And now you have two buckets. 265 00:11:41,967 --> 00:11:45,104 You have the postal employees, and you have the federal employees. 266 00:11:46,472 --> 00:11:47,873 They're all they're all federal employees. 267 00:11:47,873 --> 00:11:50,609 But postal. Is separate. Yeah, they're separate from. 268 00:11:50,609 --> 00:11:53,546 So they all three still have the same options. 269 00:11:53,546 --> 00:11:56,582 So on the postal side, they still have the Standard Option, 270 00:11:56,582 --> 00:11:59,852 the Basic Option and the Blue Focus okay. 271 00:12:00,052 --> 00:12:04,223 So they have the exact same options for postal as they as 272 00:12:04,223 --> 00:12:06,926 they've always had before. So there's no change. 273 00:12:06,926 --> 00:12:08,060 So they don't have to go out there 274 00:12:08,060 --> 00:12:10,629 and look and say oh are these benefits different. 275 00:12:10,629 --> 00:12:11,464 They're just separate. 276 00:12:11,464 --> 00:12:14,066 They're just separated out as two different buckets. 277 00:12:14,066 --> 00:12:17,336 So for postal employees, you still have your standard option, 278 00:12:17,336 --> 00:12:20,339 which is for us, which is our 279 00:12:20,406 --> 00:12:23,042 it's our traditional, 280 00:12:23,042 --> 00:12:24,744 deductible plan. 281 00:12:24,744 --> 00:12:26,512 You can go in or out of network. 282 00:12:26,512 --> 00:12:26,779 All right. 283 00:12:26,779 --> 00:12:28,080 You have total flexibility. 284 00:12:28,080 --> 00:12:31,117 It also has on the prescription drug. 285 00:12:31,117 --> 00:12:33,886 You have a 90 day supply mail order on there. 286 00:12:33,886 --> 00:12:37,590 So if you're taking a lot of maintenance medicine, it's always a good plan to have 287 00:12:37,590 --> 00:12:39,692 because it's going to save you money over time. Yeah. 288 00:12:39,692 --> 00:12:40,993 So that's the standard option. 289 00:12:40,993 --> 00:12:44,930 The basic option that's been really been our growth engine over the years. 290 00:12:44,930 --> 00:12:48,334 The basic option is kind of a in-network copay based plan. 291 00:12:48,601 --> 00:12:51,237 So you kind of know what your co-pays are going to be. 292 00:12:51,237 --> 00:12:53,706 You know what your out of pocket expenses are going to be. 293 00:12:53,706 --> 00:12:56,709 And so the basic option has really been the driver. 294 00:12:57,076 --> 00:12:58,778 People really like the copays. 295 00:12:58,778 --> 00:13:01,781 They like to know what their out-of-pocket expenses are going to be. 296 00:13:01,781 --> 00:13:02,815 And the good thing about it 297 00:13:02,815 --> 00:13:07,019 is still, Cary, on both of these plans, they're nationwide plans. 298 00:13:07,353 --> 00:13:08,487 That's amazing. 299 00:13:08,487 --> 00:13:10,122 Yeah. Wherever they are. 300 00:13:10,122 --> 00:13:11,257 You don't have to think about it. 301 00:13:11,257 --> 00:13:15,661 And we use for all of our FEP, we use our Preferred Care Blue Network. 302 00:13:15,661 --> 00:13:17,296 That is the largest network that we have. 303 00:13:17,296 --> 00:13:18,931 And that's that's the best network, the. 304 00:13:18,931 --> 00:13:20,499 Best network period of period. 305 00:13:20,499 --> 00:13:22,001 And that is across the board. 306 00:13:22,001 --> 00:13:26,672 So in any state that you go to you're using the largest network 307 00:13:26,672 --> 00:13:30,209 that's available to the Blue Cross Blue Shield plan in that state. 308 00:13:30,209 --> 00:13:34,914 You don't have a little limited network. 309 00:13:34,914 --> 00:13:36,081 You're not limited. 310 00:13:36,081 --> 00:13:40,352 You know, if you go live in a rural area, we have hospitals and doctors 311 00:13:40,352 --> 00:13:42,922 that are in those areas, and. That's pretty amazing. 312 00:13:42,922 --> 00:13:45,591 Let's switch gears a little bit and talk about the Blue Cross Blue 313 00:13:45,591 --> 00:13:49,128 Shield FEP Dental features, and what those look like this year. 314 00:13:49,695 --> 00:13:52,064 Yeah. And before we get I'm sorry I skipped that. 315 00:13:52,064 --> 00:13:53,098 We're going to go back real quick. 316 00:13:53,098 --> 00:13:54,500 And so the Blue Focus. 317 00:13:54,500 --> 00:13:56,435 Blue Focus has been was new. 318 00:13:56,435 --> 00:13:59,438 So we brought up Blue Focus as kind of a low cost option. 319 00:13:59,672 --> 00:14:04,109 There's a lot of young federal employees that are coming into the federal 320 00:14:04,610 --> 00:14:07,613 employee, plans now or, government. 321 00:14:07,847 --> 00:14:10,482 And so we really, Blue Focus is really kind of helps people. 322 00:14:10,482 --> 00:14:13,519 It's a lower cost if you're not using your health insurance. 323 00:14:13,519 --> 00:14:15,521 You say, but I need it, 324 00:14:15,521 --> 00:14:18,157 but I don't spend a lot of money on it, so I'm not going to use it. 325 00:14:18,157 --> 00:14:20,793 Blue Focus has really been a really good plan 326 00:14:20,793 --> 00:14:24,330 for those young federal employees just getting their career started. 327 00:14:24,563 --> 00:14:26,899 And we really kind of just kind of nailed that down. 328 00:14:26,899 --> 00:14:28,200 And it's really good plan. 329 00:14:28,200 --> 00:14:31,303 It has all of your it has ten free Teladoc's. 330 00:14:31,303 --> 00:14:34,707 It has your first five visits to your PCP 331 00:14:35,007 --> 00:14:38,010 or your Primary Care Physician are no co-pays. 332 00:14:38,277 --> 00:14:38,911 So they really 333 00:14:38,911 --> 00:14:42,681 kind of encourage you to use it without having any out of pocket expenses. 334 00:14:42,681 --> 00:14:45,150 You ask most 25 to 35 year old guys. 335 00:14:45,150 --> 00:14:46,752 That was last time I went to the doctor, 336 00:14:47,753 --> 00:14:49,521 when I broke my arm in softball. 337 00:14:49,521 --> 00:14:50,689 Yeah, that's exactly right. 338 00:14:50,689 --> 00:14:54,760 And the ladies will go to their OBGYN, but that's basically it. 339 00:14:54,793 --> 00:14:57,796 I mean, these folks do not go to doctors, period. 340 00:14:57,796 --> 00:14:58,230 They don't go to doctors. 341 00:14:58,230 --> 00:14:59,865 So it doesn't make sense for them to have a big, 342 00:14:59,865 --> 00:15:01,934 bloated benefits plan if they're not going to use it. 343 00:15:01,934 --> 00:15:03,168 So that's really great 344 00:15:03,168 --> 00:15:05,371 because it gives him an option to come in at a much lower cost. 345 00:15:05,371 --> 00:15:06,939 And it has that Teladoc feature. 346 00:15:06,939 --> 00:15:08,340 You know, with all the young kids. 347 00:15:08,340 --> 00:15:10,376 I have a 20 year old daughter. 348 00:15:10,376 --> 00:15:13,379 She doesn't know how to do anything that's not attached to her phone. 349 00:15:13,913 --> 00:15:14,280 Right. 350 00:15:14,280 --> 00:15:17,449 I mean, and so that is so great about that whole Teledoc thing. 351 00:15:17,449 --> 00:15:20,519 I don't know how to do anything that is attached to the phone, which is why 352 00:15:20,519 --> 00:15:23,789 my grandson at 17 fixes everything I need fixed. 353 00:15:24,189 --> 00:15:27,359 So so let's let's now let's switch gears and talk about the dental. 354 00:15:27,493 --> 00:15:28,460 Yeah. So the dental. 355 00:15:28,460 --> 00:15:30,596 So the dental plan is really good. 356 00:15:30,596 --> 00:15:35,834 So we started out initially when the dental came out for federal employees. 357 00:15:35,834 --> 00:15:38,203 We did not we did not have a plan. 358 00:15:38,203 --> 00:15:41,674 So we've been in the dental for the last ten years. 359 00:15:41,674 --> 00:15:46,512 We are now the number one dental option of federal employees nationwide. 360 00:15:46,545 --> 00:15:47,880 Are you serious? Yes. 361 00:15:47,880 --> 00:15:52,117 So we have the largest nationwide dental network. 362 00:15:52,117 --> 00:15:54,920 Again, we have preventive coverage. 363 00:15:54,920 --> 00:15:56,822 No waiting period. 364 00:15:56,822 --> 00:15:57,990 And I'm going to say this 365 00:15:57,990 --> 00:16:02,027 no waiting period on crowns, bridges, implants and dentures. 366 00:16:02,061 --> 00:16:04,463 That's insane. Insane. Day one coverage. 367 00:16:04,463 --> 00:16:05,297 That's that. 368 00:16:05,297 --> 00:16:08,334 I let me just tell you, there is no other dental plan out there. 369 00:16:08,467 --> 00:16:11,403 And I have the best dental plan you can buy. 370 00:16:11,403 --> 00:16:11,770 All right. 371 00:16:11,770 --> 00:16:14,006 And no other dental plan has no waiting period. 372 00:16:14,006 --> 00:16:15,207 I'm sorry. They just don't. 373 00:16:15,207 --> 00:16:18,143 So this is, pretty remarkable that you get this plan. 374 00:16:18,143 --> 00:16:21,480 You can immediately go in and get a crown or bridge, whatever you need. 375 00:16:21,814 --> 00:16:22,982 That's pretty strong. Yeah. 376 00:16:22,982 --> 00:16:25,985 And one thing I always remind people is that, you know, 377 00:16:26,085 --> 00:16:28,387 you have your medical benefits that you pay for, 378 00:16:28,387 --> 00:16:31,991 and then you have your two options on your supplemental dental 379 00:16:31,991 --> 00:16:33,025 and supplemental vision. 380 00:16:33,025 --> 00:16:35,060 So those are separate costs for you, 381 00:16:35,060 --> 00:16:37,696 but the costs are very minimal for the benefits that you get. 382 00:16:37,696 --> 00:16:39,365 If you have to get a crown or a bridge. 383 00:16:39,365 --> 00:16:42,901 And you know, I've had multiples, it's a lot of money. 384 00:16:42,901 --> 00:16:44,436 It's a lot of money, a. Lot of money. Yeah. 385 00:16:44,436 --> 00:16:47,740 If if you've got a plan that's going to cover it, you're making money. 386 00:16:47,740 --> 00:16:50,943 If you use that plan because you're not paying the cost of that dental. 387 00:16:51,143 --> 00:16:51,810 I have a crown. 388 00:16:51,810 --> 00:16:53,846 I have a crown this afternoon. So I know exactly. 389 00:16:53,846 --> 00:16:55,581 What I have to do tomorrow. So we'll see. 390 00:16:58,050 --> 00:16:58,350 All right. 391 00:16:58,350 --> 00:17:00,085 We got about two minutes left real quick. 392 00:17:00,085 --> 00:17:02,621 What are we doing here on the Vision plan? Let's talk about the vision plan. 393 00:17:02,621 --> 00:17:04,456 So the vision plan? 394 00:17:04,456 --> 00:17:06,692 A vision plan is definitely a great plan, right? 395 00:17:06,692 --> 00:17:10,295 If you're wearing glasses, you know how expensive, how expensive they are. 396 00:17:10,562 --> 00:17:16,368 So everybody, every year you get a zero copay, zero cost comprehensive eye exam. 397 00:17:16,368 --> 00:17:19,471 So you always want to get your eyes checked every year. 398 00:17:20,139 --> 00:17:23,342 We also have if you pick what we have a fully covered 399 00:17:23,342 --> 00:17:27,446 Blue Cross and Blue Shield FEP Vision Collection, frames. 400 00:17:28,380 --> 00:17:30,115 You're going to pay nothing for the frames. 401 00:17:30,115 --> 00:17:32,518 If you pick those frames out of our collection, 402 00:17:32,518 --> 00:17:34,153 you pay nothing for the frames. 403 00:17:34,153 --> 00:17:37,656 But if you would like to have some Oakley's or something fancy 404 00:17:37,656 --> 00:17:40,092 with the name on it, we do have a. 405 00:17:40,092 --> 00:17:44,163 We give you a $140 that goes towards the cost of those frames. 406 00:17:44,163 --> 00:17:45,697 Yeah, I use Costco pal. 407 00:17:45,697 --> 00:17:47,633 Yeah, or Costco. Yeah. 408 00:17:47,633 --> 00:17:48,901 And so and so. 409 00:17:48,901 --> 00:17:53,572 And then a lot of people say, well, Ron, I don't wear glasses, but I do wear, 410 00:17:53,806 --> 00:17:54,840 contact lenses. 411 00:17:54,840 --> 00:17:58,710 So we do have a contact lens allowance of $140 as well. 412 00:17:58,777 --> 00:18:04,016 So you can either do glasses for the year or you can do in lieu of the glasses. 413 00:18:04,016 --> 00:18:05,684 You can do the contacts. 414 00:18:05,684 --> 00:18:08,520 That's, that's a pretty decent benefit, I'll tell you right now. 415 00:18:08,520 --> 00:18:11,523 And you're very you're very fortunate if you're on one of these plans because, 416 00:18:11,790 --> 00:18:12,991 all of this is included. 417 00:18:12,991 --> 00:18:17,763 If you want more information, go to the website FEPblue.org. 418 00:18:17,763 --> 00:18:22,768 FEPblue.org or the phone number 1-800 411 BLUE. 419 00:18:22,801 --> 00:18:24,837 Stay tuned. We'll be right back after the break. 420 00:18:24,837 --> 00:18:28,941 Now we're going to go through the plans and talk about the plans and the upcoming 421 00:18:28,941 --> 00:18:32,678 virtual health fairs that they're offering on all this stuff. 422 00:18:32,678 --> 00:18:35,280 So we'll talk about all that in the next segment. Stay tuned. 423 00:18:35,280 --> 00:18:36,582 You're listening to America's 424 00:18:36,582 --> 00:18:40,352 Healthcare Advocate broadcasting coast to coast across USA. 425 00:18:40,519 --> 00:18:42,454 You're on the HIA radio network. 426 00:18:53,132 --> 00:18:53,866 Welcome back. 427 00:18:53,866 --> 00:18:57,269 You're listening to America's Healthcare Advocate show broadcasting coast 428 00:18:57,269 --> 00:19:01,106 to coast across USA here on the HIA Radio Network. 429 00:19:01,240 --> 00:19:03,675 You can learn more about us by going up at our website. 430 00:19:03,675 --> 00:19:05,611 AmericasHealthcareAdvocate.com. 431 00:19:05,611 --> 00:19:09,414 All you federal employees out there, go to our YouTube channel. 432 00:19:09,414 --> 00:19:12,284 America's Healthcare Advocate. On that channel. 433 00:19:12,284 --> 00:19:14,086 This show is posted up there. 434 00:19:14,086 --> 00:19:16,388 You can watch the show with Ron in studio 435 00:19:16,388 --> 00:19:20,058 with me, or of the 16 podcast channels we've got. 436 00:19:20,292 --> 00:19:22,794 And I think that's all of them out there pretty close. 437 00:19:22,794 --> 00:19:24,396 We're up on all those podcast 438 00:19:24,396 --> 00:19:28,433 channels, from SoundCloud to Audacy to you name it, we're on it. 439 00:19:28,433 --> 00:19:32,304 Okay, so you can also go up on the podcast channel and listen to everything 440 00:19:32,304 --> 00:19:33,038 we're talking about. 441 00:19:33,038 --> 00:19:36,308 So if it's your spouse that's a federal employee, 442 00:19:37,075 --> 00:19:39,444 you want to tell her, hey, I heard this. 443 00:19:39,444 --> 00:19:42,781 Or if you're the federal employee and your spouse 444 00:19:42,781 --> 00:19:45,918 needs to know what the plans are offering, this is a great way to do that. 445 00:19:46,118 --> 00:19:48,253 And we're going to talk about what's coming up here 446 00:19:48,253 --> 00:19:50,088 with some virtual health fairs they're going to do. 447 00:19:50,088 --> 00:19:52,457 That will also give you an opportunity to learn more. 448 00:19:52,457 --> 00:19:56,228 So let's switch gears now and just get back to the actual plans themselves. 449 00:19:56,562 --> 00:19:57,729 The Standard, Basic and 450 00:19:59,064 --> 00:19:59,498 then the Blue 451 00:19:59,498 --> 00:20:02,501 Focus again and some of the cash benefits. 452 00:20:02,501 --> 00:20:05,871 I think this is the only health insurance plan in the country that offers 453 00:20:05,871 --> 00:20:08,941 people money, for doing things they should do anyway. 454 00:20:08,941 --> 00:20:09,241 Yeah. 455 00:20:09,241 --> 00:20:11,910 I mean, you know, definitely on all the plans that we have, 456 00:20:11,910 --> 00:20:16,081 we definitely want to promote healthy lifestyles, healthy, healthy living. 457 00:20:16,081 --> 00:20:20,686 And one of those ways for us is to incentivize our members 458 00:20:20,686 --> 00:20:22,354 to do some of the stuff. 459 00:20:22,354 --> 00:20:26,091 And so for the Standard in the Basic option, you have a $50, 460 00:20:26,091 --> 00:20:30,629 you can earn up to $50 for completing just your Blue Health Assessment. 461 00:20:30,729 --> 00:20:31,163 That's it. 462 00:20:31,163 --> 00:20:34,733 So your Blue Health Assessment, you go out there, you put in, your blood 463 00:20:34,733 --> 00:20:39,004 pressure, you put in your height, your weight, you put in any information. 464 00:20:39,204 --> 00:20:43,809 And it's a really a good spot to just keep track of your stuff from year over year. 465 00:20:44,109 --> 00:20:44,376 Right? 466 00:20:44,376 --> 00:20:47,012 So if you go out there, you log that stuff in. 467 00:20:47,012 --> 00:20:49,681 We do not share that information with anybody. 468 00:20:49,681 --> 00:20:50,482 Okay. So that's great. 469 00:20:50,482 --> 00:20:55,320 So your your your boss isn't going to see your information. 470 00:20:55,320 --> 00:20:56,822 Yeah. We don't share that information. 471 00:20:56,822 --> 00:20:58,657 We don't we don't give it to any of our vendors. 472 00:20:58,657 --> 00:21:01,059 Nobody. That is just information that is in there. 473 00:21:01,059 --> 00:21:04,062 So you get $50 for doing the Blue Health Assessment. 474 00:21:04,196 --> 00:21:08,400 We also have online coaching for your pregnancy, 475 00:21:08,400 --> 00:21:12,638 tobacco care, as well as hypertension and weight management. 476 00:21:12,838 --> 00:21:16,575 So all of these things that people struggle with, especially if you're new, 477 00:21:16,575 --> 00:21:19,911 if you're a new mother, we have a great new mother package 478 00:21:19,911 --> 00:21:22,814 that we mailed out to our new pregnant moms. That's cool. 479 00:21:22,814 --> 00:21:23,348 So yeah. 480 00:21:23,348 --> 00:21:27,119 So if you if you get into the program, we send you vitamins, 481 00:21:27,119 --> 00:21:30,289 we send you a nice little welcome, Blue Cross. 482 00:21:30,289 --> 00:21:33,292 Welcome Kit, for the for the boy or the girl that you're having. 483 00:21:33,859 --> 00:21:36,361 And it's and we're going to give you $50 for doing so. 484 00:21:36,361 --> 00:21:38,196 You get prenatal and postnatal care. 485 00:21:38,196 --> 00:21:40,799 Yes. As part of the plan. As part of the plan. 486 00:21:40,799 --> 00:21:42,301 That's part of the deal. Yeah. 487 00:21:42,301 --> 00:21:45,937 And then like I said, you know, a lot of people have are trying to stop smoking. 488 00:21:45,937 --> 00:21:47,072 Tobacco cessation. 489 00:21:47,072 --> 00:21:49,241 We have a great program for that as well. 490 00:21:49,241 --> 00:21:51,310 Hypertension, hypertension management. 491 00:21:51,310 --> 00:21:56,481 If you sign up, we can send you out a blood pressure monitor as well. 492 00:21:56,715 --> 00:22:00,419 So we have all of these great benefits, all of this stuff for our people 493 00:22:00,419 --> 00:22:03,488 that we really want them to incentivize them. 494 00:22:03,488 --> 00:22:05,257 We want to give them money for doing it, 495 00:22:05,257 --> 00:22:08,260 and we want to give them something to help keep track of it as well. 496 00:22:08,260 --> 00:22:10,862 You're also keeping them healthy. Yeah, yeah. 497 00:22:10,862 --> 00:22:12,931 One, it's a pretty good idea. Yeah, it's a great idea. 498 00:22:12,931 --> 00:22:14,199 I mean, yeah. 499 00:22:14,199 --> 00:22:17,202 And $150 for completing their annual physical. 500 00:22:17,202 --> 00:22:19,204 Yeah. So yeah, That is on the Blue Focus. Yeah. 501 00:22:19,204 --> 00:22:22,240 So if you, if you're on the Blue Focus as we said for our healthier 502 00:22:22,274 --> 00:22:23,675 younger members. 503 00:22:23,675 --> 00:22:26,712 Well I don't do anything but we want to at least incentivize them 504 00:22:26,712 --> 00:22:29,081 to go in once a year to get their physical. 505 00:22:29,081 --> 00:22:31,817 You get your physical, you have $150. 506 00:22:31,817 --> 00:22:35,654 And what we what we've done, we've partnered with our blue 365 507 00:22:35,887 --> 00:22:40,325 partners, Reebok, Skechers, TRX products, Blue Apron. 508 00:22:40,559 --> 00:22:44,463 So we have all these different products that they can use that $150 for. 509 00:22:44,463 --> 00:22:48,500 So it's not anymore that I just can use it on health care expenses. 510 00:22:48,700 --> 00:22:51,803 You can also use it on Reebok TRX, 511 00:22:51,870 --> 00:22:54,873 if you’ve got a workout room and you want to put some new TRX. 512 00:22:54,873 --> 00:22:57,876 If you want to eat healthy Blue Apron, that’s a mail order. 513 00:22:58,110 --> 00:22:59,244 That's great. Yeah, yeah. 514 00:22:59,244 --> 00:23:00,645 So we have a lot of 515 00:23:00,645 --> 00:23:04,916 we have a lot of great partners in Blue 365 that you can use that $150 for. 516 00:23:05,016 --> 00:23:08,253 And you know that Blue 365, and I have the Blue 365 517 00:23:08,253 --> 00:23:11,590 because of my Medicare supplement, I have access to Blue 365 518 00:23:11,790 --> 00:23:14,793 and these hearing aids that you that I talk about on the show, 519 00:23:14,860 --> 00:23:19,831 I got those from Focus Hearing, but I was able to take advantage of Blue 365 520 00:23:19,831 --> 00:23:24,035 and got a significantly strong discount on the cost of these things. 521 00:23:24,035 --> 00:23:28,340 So that Blue 365 is available on a lot of different plans that they offer. 522 00:23:28,540 --> 00:23:30,809 But I'm telling you, it's a great time to take advantage of it 523 00:23:30,809 --> 00:23:33,478 because there's all kinds of benefits out there. 524 00:23:33,478 --> 00:23:36,848 And they're there across the board on all the Blue Cross and Blue Shield plans. 525 00:23:37,182 --> 00:23:40,318 So, let's talk about the basic option. 526 00:23:40,318 --> 00:23:44,322 You know, on the Medicare side, enrolled in A and B, and then, you know, 527 00:23:44,322 --> 00:23:47,559 getting to this thing about getting $800 a year, 528 00:23:48,360 --> 00:23:51,563 again, you're paying people money that are on a health insurance plan. 529 00:23:51,563 --> 00:23:51,930 Yeah. 530 00:23:51,930 --> 00:23:58,403 And and so, you know, we have a lot of annuitants or retirees, on our plan. 531 00:23:58,403 --> 00:24:01,206 So they've had a great career with federal employee program. 532 00:24:01,206 --> 00:24:03,875 They're still on they're still on the plan. 533 00:24:03,875 --> 00:24:07,846 And so we want to incentivize them of taking, hey, if you have Medicare Part A 534 00:24:07,846 --> 00:24:10,949 and B, if you take B, we realize there's a cost to that. 535 00:24:10,982 --> 00:24:11,550 Okay. 536 00:24:11,550 --> 00:24:15,287 And to kind of offset that cost, we want to give you $800 reimbursed 537 00:24:15,520 --> 00:24:16,788 for you and your spouse. 538 00:24:16,788 --> 00:24:19,658 So not only just for you but your spouse as well. 539 00:24:19,658 --> 00:24:22,661 So it's basically $1,600 in the household 540 00:24:22,894 --> 00:24:26,731 toward your part B premiums that you could have, every year. 541 00:24:26,731 --> 00:24:27,199 That's, 542 00:24:28,500 --> 00:24:31,503 I don't get that, by the way, just so you know, 543 00:24:31,703 --> 00:24:33,271 that's a that's for federal employees. 544 00:24:33,271 --> 00:24:34,506 That's a really nice benefit. 545 00:24:34,506 --> 00:24:38,310 Seriously, to offset the cost of your of your, part B. 546 00:24:38,310 --> 00:24:42,547 And the thing about part B is, is so critical is that 20% 547 00:24:42,547 --> 00:24:46,651 that’s not covered by part A, part B. 548 00:24:46,651 --> 00:24:50,622 Signing up for part B is critical because if you're only on part A, 549 00:24:51,122 --> 00:24:54,292 you don't have any of that, the hospital or, 550 00:24:54,593 --> 00:24:57,395 you know, physician benefits, outpatient, all that's not covered. 551 00:24:57,395 --> 00:25:01,233 Party part A, part B together along with the Blue Cross plan. 552 00:25:01,533 --> 00:25:03,902 Now, you've got total coverage all the way around. 553 00:25:03,902 --> 00:25:06,438 And it's a pretty remarkable plan. Really, really, really. 554 00:25:06,438 --> 00:25:07,506 I mean, you'll have a little. 555 00:25:07,506 --> 00:25:09,207 But really, most of your out-of-pocket 556 00:25:09,207 --> 00:25:11,443 expense will only be your prescription drugs. Yeah. 557 00:25:11,443 --> 00:25:14,446 And then we waive the deductibles. Yeah. 558 00:25:14,613 --> 00:25:17,949 So, you know, your out-of-pocket expenses for having A and B 559 00:25:17,949 --> 00:25:20,952 and getting reimbursed for reimburse for B? 560 00:25:21,119 --> 00:25:22,554 Yeah. I mean, it's really. 561 00:25:22,554 --> 00:25:23,622 That's not a bad option. 562 00:25:23,622 --> 00:25:26,191 Yeah. It's not a bad option at all because then so yeah. 563 00:25:26,191 --> 00:25:26,858 So let's talk. 564 00:25:26,858 --> 00:25:27,726 This is important. 565 00:25:27,726 --> 00:25:28,827 So let's talk a little bit 566 00:25:28,827 --> 00:25:32,130 about these Benefit Virtual Health fairs that are coming up. 567 00:25:32,797 --> 00:25:35,767 And, and again, the USPS. 568 00:25:35,767 --> 00:25:38,203 So there's one set for the federal employees 569 00:25:38,203 --> 00:25:41,172 and a second set for postal workers. So let's kind of go through this. 570 00:25:41,172 --> 00:25:45,210 And by the way, Dave is going to post all these up, on the video. 571 00:25:45,210 --> 00:25:48,446 So you have them and it's going to be up on our website when we post the show. 572 00:25:48,446 --> 00:25:49,948 So you'll have these as well. 573 00:25:49,948 --> 00:25:51,483 But I want to run through them today 574 00:25:51,483 --> 00:25:54,953 so you can hear this because obviously we're explaining a lot here. 575 00:25:55,220 --> 00:25:58,123 But these these are actual 576 00:25:58,123 --> 00:26:00,725 seminars, virtual health fairs, whatever you want to call them. 577 00:26:00,725 --> 00:26:02,460 They go into the plans a great detail. 578 00:26:02,460 --> 00:26:05,597 And are they allowed to ask questions during these things, like get a chat bot? 579 00:26:05,664 --> 00:26:06,731 Yes, they are we. 580 00:26:06,731 --> 00:26:09,267 So we do have active chat bots and all of those. 581 00:26:09,267 --> 00:26:10,936 So as you see here. 582 00:26:10,936 --> 00:26:12,904 So as you see you cannot see this. 583 00:26:12,904 --> 00:26:14,739 But so we have. 584 00:26:14,739 --> 00:26:16,775 Yes they can watch watching on YouTube. 585 00:26:16,775 --> 00:26:20,312 So they can okay. So there'll be benefits. 586 00:26:20,312 --> 00:26:23,782 So benefits is going to be doing both not only the medical 587 00:26:23,782 --> 00:26:26,551 but they'll also be doing the dental and the vision okay. 588 00:26:26,551 --> 00:26:30,622 So during those virtual health fairs they'll be talking about medical. 589 00:26:30,622 --> 00:26:32,891 They'll also be talking about dental and vision okay. 590 00:26:32,891 --> 00:26:35,293 So a very so you get to cover everything. 591 00:26:35,293 --> 00:26:38,863 And then we will have Blue Cross and Blue Shield representatives there 592 00:26:38,863 --> 00:26:42,200 that will be able to answer questions in the chat box that you alluded to. 593 00:26:43,134 --> 00:26:46,438 And then for the USPS, as they are separated out, 594 00:26:46,438 --> 00:26:49,207 they have their own virtual health fairs as well. 595 00:26:49,207 --> 00:26:51,042 And so those are all they start. 596 00:26:51,042 --> 00:26:53,144 So benefits starts in November. 597 00:26:53,144 --> 00:26:54,980 The last one is on December 8th. 598 00:26:55,947 --> 00:26:58,950 And then on the version for the USPS, 599 00:26:58,950 --> 00:27:02,754 it's November 4th, the 20th, the 3rd and the 8th. 600 00:27:02,754 --> 00:27:07,892 So they have one about every week going through the open season. 601 00:27:07,892 --> 00:27:10,228 That allows you to try to fix it. 602 00:27:10,228 --> 00:27:12,897 And they're not all at the same time as well, 603 00:27:12,897 --> 00:27:15,834 because everybody's schedules are a little bit different. 604 00:27:15,834 --> 00:27:17,302 Some of them are 10 to 5. 605 00:27:17,302 --> 00:27:21,806 There's one from 3 to 7 p.m., one’s from noon to 5 p.m. 606 00:27:21,806 --> 00:27:26,344 There's a lot of different as well as for the, USPS, everybody. 607 00:27:26,378 --> 00:27:29,347 There's a lot of different schedules, especially for the post offices. 608 00:27:29,347 --> 00:27:31,383 The morning schedule is afternoon shift. 609 00:27:31,383 --> 00:27:33,451 But yeah, because you're out delivering mail. They’re out delivering mail. 610 00:27:33,451 --> 00:27:36,488 If they’re not delivering, they’re getting sorted for the next day. 611 00:27:36,488 --> 00:27:40,592 So there are those evening and there are those morning times 612 00:27:40,592 --> 00:27:42,694 for those post office, employees. 613 00:27:42,694 --> 00:27:44,796 And how long do these last typically. 614 00:27:46,231 --> 00:27:47,232 They, they could 615 00:27:47,232 --> 00:27:50,368 they they last for about three hours. 616 00:27:51,302 --> 00:27:52,237 That's a lot. 617 00:27:52,237 --> 00:27:54,372 But that covers. 618 00:27:54,372 --> 00:27:57,375 When you first 619 00:27:58,576 --> 00:27:59,010 start it, 620 00:27:59,010 --> 00:28:02,280 they kind of give you an outline of what, what it will look like. 621 00:28:02,280 --> 00:28:03,982 So if you're looking just there 622 00:28:03,982 --> 00:28:07,886 for the Blue Cross and Blue Shield, you can come back in oh 2:00. 623 00:28:07,886 --> 00:28:09,320 Okay, I get it. Okay. 624 00:28:09,320 --> 00:28:11,690 So this is for all okay. Yeah. 625 00:28:11,690 --> 00:28:14,826 So so then there's a specific time to come back in. 626 00:28:14,826 --> 00:28:15,794 Yes okay. All right. 627 00:28:15,794 --> 00:28:16,861 Well that's important to know. 628 00:28:16,861 --> 00:28:19,030 So once again here's what we're going to do. 629 00:28:19,030 --> 00:28:23,735 We're going to post all of these up on on the on the YouTube platform. 630 00:28:23,735 --> 00:28:24,436 And we're also going 631 00:28:24,436 --> 00:28:27,472 to post them up on our website when we, when we set the show up. 632 00:28:27,472 --> 00:28:29,708 So that'll be up there. And it's an opportunity. 633 00:28:29,708 --> 00:28:32,243 As I said, you don't have to sit there for five hours. 634 00:28:33,511 --> 00:28:34,913 They'll give you the breakdown. 635 00:28:34,913 --> 00:28:36,881 You can go out and come back in 636 00:28:36,881 --> 00:28:38,883 when they're going to talk about the Blue Cross plan, 637 00:28:38,883 --> 00:28:42,620 or maybe just talk about Dental and Vision or if you're a postal worker or whatever 638 00:28:42,620 --> 00:28:44,289 the case may be, all of that will be in there. 639 00:28:44,289 --> 00:28:48,093 Also, it's really important to understand there's a very tight 640 00:28:48,093 --> 00:28:51,062 window here, November 10th to December 8th. 641 00:28:51,062 --> 00:28:53,665 You don't want to miss the open enrollment period. 642 00:28:53,665 --> 00:28:54,799 It's critical. 643 00:28:54,799 --> 00:28:57,502 You can go to the website FEPblue.org 644 00:28:57,502 --> 00:29:01,106 if you need help, or you can call 1-800 411 BLUE. 645 00:29:01,272 --> 00:29:03,041 That's 1-800 411 BLUE. 646 00:29:03,041 --> 00:29:04,509 When I come back from the break, 647 00:29:04,509 --> 00:29:07,645 we're going to talk about Blue Cross and Blue Shield of Kansas City. 648 00:29:07,946 --> 00:29:09,981 Main Street, not Wall Street. 649 00:29:09,981 --> 00:29:11,850 Stay tuned. We'll be right back after the break. 650 00:29:18,423 --> 00:29:19,090 Welcome back. 651 00:29:19,090 --> 00:29:20,225 You're listening to America's 652 00:29:20,225 --> 00:29:24,095 Healthcare Advocate show, broadcasting coast to coast across USA. 653 00:29:24,362 --> 00:29:26,431 Here on the HIA Radio Network. 654 00:29:26,431 --> 00:29:30,068 You know, today, Dave Thiessen, my producer here behind the cameras. 655 00:29:30,068 --> 00:29:32,070 And Garner Cowdery, once again doing a great job. 656 00:29:32,070 --> 00:29:34,172 They're the ones that put all these shows together. 657 00:29:34,172 --> 00:29:39,277 They get them up on our YouTube platform, our podcast platform 605,000 views. 658 00:29:39,711 --> 00:29:43,047 It's because of all of you out there in the audience that listen to this show, 659 00:29:43,047 --> 00:29:44,282 follow the show, etc. 660 00:29:44,282 --> 00:29:46,117 we really appreciate you. 661 00:29:46,117 --> 00:29:48,753 When you're following us and you're paying attention to these shows, 662 00:29:48,753 --> 00:29:51,422 we know a lot of you do because I get a lot of comments. 663 00:29:51,422 --> 00:29:55,326 So this show today is with Ron Miller from Blue Cross Blue Shield of Kansas City. 664 00:29:55,326 --> 00:29:58,429 It is for the federal employees, both postal workers 665 00:29:58,429 --> 00:30:01,432 and federal employees for the open enrollment period, 666 00:30:01,466 --> 00:30:04,135 which starts November 10th and ends December 8th. 667 00:30:04,135 --> 00:30:07,138 It's really important to know that if you're one of the federal employees, 668 00:30:07,438 --> 00:30:08,740 maybe you've got a family member. 669 00:30:08,740 --> 00:30:10,008 Whatever the case may be, 670 00:30:10,008 --> 00:30:13,011 might want to remind somebody, we got a limited amount of time. 671 00:30:13,044 --> 00:30:15,647 There's a whole series of webinars they're offering. 672 00:30:15,647 --> 00:30:16,848 We're going to post all of those. 673 00:30:16,848 --> 00:30:17,448 You heard Ron 674 00:30:17,448 --> 00:30:21,486 go through them, on the website, and we're going to post them on the YouTube. 675 00:30:21,486 --> 00:30:24,322 So you'll be able to see those as well if you want help. 676 00:30:24,322 --> 00:30:26,324 1-800 411 BLUE. 677 00:30:26,324 --> 00:30:28,293 1-800 411 BLUE. 678 00:30:28,293 --> 00:30:31,029 And November 10th through December 8th is open enrollment. 679 00:30:31,029 --> 00:30:33,832 And, the phone number 1-800 411 680 00:30:33,832 --> 00:30:36,868 BLUE, as I said, and the website FEPblue.org. 681 00:30:37,035 --> 00:30:38,570 All right. So this is interesting. 682 00:30:38,570 --> 00:30:41,172 So that line that I just did comes from Ron Rowe. 683 00:30:41,172 --> 00:30:43,074 Yes. We're Main Street not Wall Street. 684 00:30:43,074 --> 00:30:48,079 And what I mean by that when I say that is primarily focused on customer 685 00:30:48,079 --> 00:30:51,082 service, the 87 years you've been here in Kansas City, 686 00:30:51,316 --> 00:30:52,650 some of the other things you're doing, 687 00:30:52,650 --> 00:30:56,688 you're very unique, like you're the only plan on ACA, Obamacare this year. 688 00:30:56,821 --> 00:31:01,125 It is rolling out a single digit increase, 4% versus everything else. 689 00:31:01,125 --> 00:31:04,262 That’s 11, 12, 13, 23, 29% higher. 690 00:31:04,596 --> 00:31:06,931 It means something to be the hometown carrier. 691 00:31:06,931 --> 00:31:08,733 And that's really what you are. 692 00:31:08,733 --> 00:31:11,336 You're not doing an earnings report every quarter to Wall Street. 693 00:31:11,336 --> 00:31:14,072 That's why I say that. Okay, I'm trying to put in play. 694 00:31:14,072 --> 00:31:15,740 You're not UnitedHealthCare. 695 00:31:15,740 --> 00:31:17,242 You're not Aetna. 696 00:31:17,242 --> 00:31:19,110 You're not Centene. 697 00:31:19,110 --> 00:31:20,211 You know Ambetter. 698 00:31:20,211 --> 00:31:22,280 You're Blue Cross and Blue Shield of Kansas City. 699 00:31:22,280 --> 00:31:26,251 But what makes this most interesting to me is the customer service award. 700 00:31:26,251 --> 00:31:28,386 So I want you to go through these because I think 701 00:31:28,386 --> 00:31:30,288 this is actually quite remarkable. 702 00:31:30,288 --> 00:31:32,457 Yeah. In your line. Your line is fantastic. 703 00:31:32,457 --> 00:31:33,691 And the reason why, 704 00:31:33,691 --> 00:31:36,928 the line that Ron said and that, you know, Ron comes up with most of those things. 705 00:31:37,095 --> 00:31:38,096 Yes. Okay. 706 00:31:38,096 --> 00:31:41,432 But like you said, it really talks about that we. 707 00:31:41,866 --> 00:31:43,568 Customer service is here. 708 00:31:43,568 --> 00:31:46,838 We live amongst our members. 709 00:31:47,071 --> 00:31:47,805 Okay. 710 00:31:47,805 --> 00:31:51,309 And so it is important to us because we have family members, 711 00:31:51,309 --> 00:31:54,812 we have friends, we have neighbors that have Blue Cross and Blue Shield. 712 00:31:54,812 --> 00:31:58,917 So we're not just working for people we don't know. 713 00:31:58,917 --> 00:32:01,653 We're working for people that we live amongst. 714 00:32:01,653 --> 00:32:04,022 So we're in the community. 715 00:32:04,022 --> 00:32:05,823 We are the community. And so 716 00:32:06,925 --> 00:32:07,625 we have over 717 00:32:07,625 --> 00:32:10,662 39,000 members, federal employee members here. 718 00:32:10,662 --> 00:32:15,166 And so this SQM World Class Certification is amazing. 719 00:32:15,433 --> 00:32:20,004 So we have, 100% of our eligible staff 720 00:32:20,004 --> 00:32:24,342 met in 2024, met the world class certification. 721 00:32:24,342 --> 00:32:24,575 Right. 722 00:32:24,575 --> 00:32:29,380 So explain SQM So it's a customer advocates that called survey. 723 00:32:29,380 --> 00:32:31,549 So member. 724 00:32:31,549 --> 00:32:35,687 Oh so they get surveyed customers get surveyed and 85% 725 00:32:35,687 --> 00:32:41,492 they have to meet 85% of their calls are at a very satisfied level. 726 00:32:41,492 --> 00:32:43,227 So they go back out. 727 00:32:43,227 --> 00:32:46,564 They survey the members who have called in and they say, well, 728 00:32:46,731 --> 00:32:48,700 how was your experience? 729 00:32:48,700 --> 00:32:49,500 Your experience? 730 00:32:49,500 --> 00:32:51,903 And they said, fantastic. 731 00:32:51,903 --> 00:32:53,504 So they say very satisfied. 732 00:32:53,504 --> 00:32:58,042 And 85% is very satisfied and 100% 733 00:32:58,242 --> 00:33:01,479 of our eligible, because those aren't our new people that were in there. 734 00:33:01,479 --> 00:33:03,014 There are new customers. 735 00:33:03,014 --> 00:33:06,117 100% of our reps made that in 2024. 736 00:33:06,150 --> 00:33:07,218 That's remarkable. 737 00:33:07,218 --> 00:33:08,286 That is remarkable. 738 00:33:08,286 --> 00:33:11,389 In today's world, where the line: “customer service”. 739 00:33:11,389 --> 00:33:14,993 The word “service” is gone, I'm just going to tell you, you don't believe me. 740 00:33:14,993 --> 00:33:17,095 Call up AT&T, call up an airline, pick. 741 00:33:17,095 --> 00:33:18,696 Pick anything you want out there. 742 00:33:18,696 --> 00:33:21,699 Okay, and see what you get. 743 00:33:21,866 --> 00:33:24,002 How many voice prompts do you go through? 744 00:33:24,002 --> 00:33:26,471 How many people do you have to talk to before you to get something done? 745 00:33:26,471 --> 00:33:28,639 This is why this matters, okay? 746 00:33:28,639 --> 00:33:30,508 And here's why it matters to you. 747 00:33:30,508 --> 00:33:33,644 Because when you have an issue, maybe you have a claim issue. 748 00:33:33,644 --> 00:33:35,780 Maybe you have a provider issue. You're going to call. 749 00:33:35,780 --> 00:33:37,615 And I can tell you from personal experience, 750 00:33:37,615 --> 00:33:40,952 because I've been on Blue Cross and Blue Shield for 24 years. 751 00:33:41,252 --> 00:33:42,120 Okay. At least, 752 00:33:43,521 --> 00:33:44,822 it's one call resolution. 753 00:33:44,822 --> 00:33:47,859 And if that person can't fix it, they take you right to the one that can. 754 00:33:47,859 --> 00:33:49,060 Take you right to the one that can. 755 00:33:49,060 --> 00:33:53,031 And because health insurance, you don't know how good it is 756 00:33:53,031 --> 00:33:55,099 until you have to use it. Okay. 757 00:33:55,099 --> 00:33:58,236 And so when you use it and you have a problem, 758 00:33:58,236 --> 00:34:00,104 you want to be able to call somebody to fix it. 759 00:34:00,104 --> 00:34:03,975 And as you said, the first call resolution is what we strive for and what we do. 760 00:34:04,142 --> 00:34:04,742 Okay. 761 00:34:04,742 --> 00:34:08,946 And so not only are the reps but also the supervisors. 762 00:34:08,946 --> 00:34:11,082 So it’s the training. 763 00:34:11,082 --> 00:34:13,384 It's the strong focus on coaching 764 00:34:13,384 --> 00:34:16,721 from both the supervisor and both the supervisors are world class. 765 00:34:17,088 --> 00:34:18,489 So all of the customer service. 766 00:34:18,489 --> 00:34:21,025 So there's a standard that's being set in that 767 00:34:21,025 --> 00:34:23,161 in that call center there that's just over and over. 768 00:34:23,161 --> 00:34:27,231 FEP, World Class Call Center, fourth consecutive year. 769 00:34:27,465 --> 00:34:28,232 Four years. 770 00:34:28,232 --> 00:34:30,301 So this is not just something has happened. 771 00:34:30,301 --> 00:34:31,969 This has happened over the last four years. 772 00:34:31,969 --> 00:34:34,405 They also have won the J.D. 773 00:34:34,405 --> 00:34:36,841 Power Award at least three times that I know. 774 00:34:36,841 --> 00:34:42,213 So the point I'm making here, why use that line Main Street, not Wall Street? 775 00:34:42,213 --> 00:34:44,682 It's because these people really do care. 776 00:34:44,682 --> 00:34:46,951 They are your neighbor. They are in church with you. 777 00:34:46,951 --> 00:34:48,619 They're at the PTA with you. 778 00:34:48,619 --> 00:34:50,521 They're at the soccer field with you. 779 00:34:50,521 --> 00:34:53,357 They know who you are and you know who they are. 780 00:34:53,357 --> 00:34:54,459 And to me, 781 00:34:55,626 --> 00:34:58,396 I would always tell my clients, 782 00:34:58,396 --> 00:35:01,299 obviously not federal employees, but I would always tell my clients that, 783 00:35:01,299 --> 00:35:04,302 look, here's all the choices, here are the prices, etc.. 784 00:35:04,535 --> 00:35:07,472 I'm going to tell you right now that if you have a problem with this carrier 785 00:35:07,472 --> 00:35:10,741 or this carrier, I'm warning you, you're buying price here. 786 00:35:10,775 --> 00:35:12,210 You're not buying benefit. 787 00:35:12,210 --> 00:35:15,847 And when you have an issue, please don't call me and be upset, 788 00:35:15,847 --> 00:35:19,150 because this isn't working, because I'm telling you right now 789 00:35:19,617 --> 00:35:21,185 their customer service is not good. 790 00:35:21,185 --> 00:35:23,688 And if you have a claims issue, it's going to be a nightmare. 791 00:35:23,688 --> 00:35:25,957 Lo and behold, you know that happened multiple times. 792 00:35:25,957 --> 00:35:28,559 The other thing I would say is, on the other hand, 793 00:35:28,559 --> 00:35:30,761 you come over here to Blue Cross. Blue shield. 794 00:35:30,761 --> 00:35:33,364 Might not be the cheapest plan available, but I can tell you this 795 00:35:33,364 --> 00:35:36,334 when there's an issue, there's somebody there's going to take care of it. 796 00:35:36,334 --> 00:35:37,902 Here's the other thing. 797 00:35:37,902 --> 00:35:40,404 When there's an issue like this and it can't get resolved, 798 00:35:40,404 --> 00:35:42,473 there's somebody like Ron Miller there. 799 00:35:42,473 --> 00:35:45,543 I had a guy who was our rep. 800 00:35:45,776 --> 00:35:47,278 Every time I had an issue. 801 00:35:47,278 --> 00:35:49,247 Tom Moppin, remember, Tom. Tom Moppin. 802 00:35:49,247 --> 00:35:51,482 He was my man, my man in Baghdad. 803 00:35:52,617 --> 00:35:55,253 When I had a problem, that couldn't get fixed. 804 00:35:55,253 --> 00:35:56,220 I'd call Tom. 805 00:35:56,220 --> 00:35:57,088 Tom would fix it. 806 00:35:57,088 --> 00:36:00,324 Or if it got completely out of hand, I'd call Jenny Housley. 807 00:36:00,625 --> 00:36:02,426 Who's the chief revenue officer? 808 00:36:02,426 --> 00:36:05,630 So the difference here is you have access to these people 809 00:36:05,763 --> 00:36:08,499 and they really do give a damn. So I think that's a big issue. Yeah. 810 00:36:08,499 --> 00:36:13,471 And and I'm in the agencies like I've, I've had, the federal employee program 811 00:36:13,471 --> 00:36:14,505 for 23 years. 812 00:36:14,505 --> 00:36:17,642 So when I go into agencies, I go in the health fairs. 813 00:36:18,109 --> 00:36:20,678 They've seen me year over year over year over year. 814 00:36:20,678 --> 00:36:23,648 So they know that when I tell them 815 00:36:23,648 --> 00:36:26,484 I'm not, I'm not telling them something that I don't believe in 816 00:36:26,484 --> 00:36:28,152 because I'm coming back next year. 817 00:36:28,152 --> 00:36:31,155 And and if they didn't write the name right. 818 00:36:31,289 --> 00:36:32,957 Then I will be back. 819 00:36:32,957 --> 00:36:35,693 So yeah, it absolutely makes all the difference. 820 00:36:35,693 --> 00:36:40,231 I remember during the AFL CIO car show with him, I'm the radio guy, right? 821 00:36:40,231 --> 00:36:42,867 I was supposed to be like the town celebrity guy. 822 00:36:42,867 --> 00:36:45,303 Everybody talks to Ron. Nobody wanted to see me. 823 00:36:45,303 --> 00:36:47,605 So they all know who he is, okay? 824 00:36:47,605 --> 00:36:50,074 And that's part of what this is all about visibility, 825 00:36:50,074 --> 00:36:52,443 accountability and giving you the service you need. 826 00:36:52,443 --> 00:36:54,111 Critical to know. 827 00:36:54,111 --> 00:36:56,581 The FEP starts November 10th ends December 8th. 828 00:36:56,581 --> 00:36:58,082 Short window. 829 00:36:58,082 --> 00:37:02,386 The website FEPblue.org, the phone number 1-800 411 BLUE. 830 00:37:02,820 --> 00:37:03,788 They do a great job. 831 00:37:03,788 --> 00:37:05,089 I urge you, 832 00:37:05,089 --> 00:37:08,092 to take the time to see what your benefits are going to look like this year. 833 00:37:08,559 --> 00:37:10,695 And I think you'll find that they're going to make a lot of sense. 834 00:37:10,695 --> 00:37:12,063 And now, ladies and gentlemen, 835 00:37:12,063 --> 00:37:14,899 I leave you with this thought from Doctor Martin Luther King. 836 00:37:14,899 --> 00:37:17,935 Americans must learn to live together as brothers and sisters, 837 00:37:18,302 --> 00:37:20,938 or we will surely perish together as fools. 838 00:37:20,938 --> 00:37:24,375 Truer words were never spoken, especially in this time in our country. 839 00:37:24,675 --> 00:37:25,576 Have a great day. 840 00:37:25,576 --> 00:37:28,246 Thank you for listening to America's Healthcare Advocate. 841 00:37:28,246 --> 00:37:29,413 Goodbye, America.