Video Transcript 

Suzanne McClain (00:00):
Hi guys. It's Suzanne McClain with national United Medicare Advisors. So hard to believe that we are now back into almost fall open enrollment season for Medicare. So what does that mean for you? Well, we need to review your Medicare plans to make sure you're a okay for next year. So I have Joe with me here. He's going to go back and forth with me to make sure we get everything covered for open enrollment. Joe,

Joe McClain (00:25):
hey everybody, great to see you and excited to get started here. So, Suzanne, what's the first thing we want to cover?

Suzanne McClain (00:33):
Okay, the first thing we want to cover is, I want to make sure that you mark down on your calendar that we are going to have a live event on October the 20th and October the 23rd Now Joe, give them the details.

Joe McClain (00:48):
Yeah. So it's going to be the afternoon of the 20th, which is a Monday in the morning of the 23rd and so what we're going to do is don't worry about registering for that. Now just go ahead and go through the steps here we're going to show you in this video and request your Medicare review, update your medicine cabinet. And then after all of that's done, we're going to send you an invite to the live event. So it's by invite only. We only have a few 100 spaces for this event, so we're thinking they're going to sell out. So we want you to go through these steps as soon as you can and then register for the event. So this year, it's going to be a little bit different. We're going to make it more Medicare focused. And we're also, if you've not received your extra care membership card, you're going to get that at the event. You're going to get your legacy of love kit at the event. If you've not gotten one of those. And then what else? Suzanne, is there anything else they're going to get at the event? We need to remind them

Suzanne McClain (01:58):
of yes, this is super exciting, because this year we're going to do a little bit different, is we're going to be able to have your review for you there at the event. So that's just one thing, is we'll have your actual Medicare review for you at the event where we'll talk about it.

Joe McClain (02:14):
Okay, great. So there's a, there's three new things that we have this year. That's additional benefits of extra care. So it's pretty simple, and this is all after we take care of your Medicare reviews. So we're not mixing the two up and or taking care of the most important thing, which is your Medicare first. So after we've taken care of your Medicare review, I we're, you're, and Suzanne is going to show you on the request form how to request the estate planning review. But basically what it is is we're going to ask you a list of questions, and then we're going to create a summary PDF report for you that you can then share with your estate planning attorney for any changes that that they need to do to your estate plan to make sure that your estate plan is always up to date. Because in talking with estate planning attorneys and our Estate Planning Attorney, one of the biggest things that they say is that you go create your estate plan, but then it goes out of date because things change in your situation, and next thing you know is you look up and it's nothing's the same as when you planned it, 5, 10, 15, 20, years ago. So that's that's something new. We've added, we've also added a guaranteed income review, and basically what that is, is we're just going to go through your guaranteed income. So like your Social Security, any pensions, you have, any other type of assets you have that create a guaranteed income, just review that for you. And one thing that we're going to look at is, what could what's going to change if something happens to you or your spouse. So we know that's a big concern of a lot of people is, yeah, my guaranteed income. It. Situation may be pretty good today, but what's what happens if something happens to me or my spouse is, are they going to be Are they still going to be okay? So we're going to do a review of that, if you would like us to and then number three, and is the real estate review so exciting to introduce our son, Mitchell, who's some have that's been with us a long time. Know that he has, you know, grown up, went to the Ohio State University. He graduated this last spring. He got his real estate license two years ago, and he is now full time in real estate. So what we're offering with the real estate review is and we have him here. I'm just going to let him explain. What he's going to do with the real estate review. So Mitchell, take it away.

Mitchell McClain (05:05):
Yeah, thank you for the introduction. As he said, my name is Mitchell McClain. I just want to give you a little bit of background about myself, because some of you may not know me, but I'm 21 years old, and I just graduated last spring from The Ohio State University with a bachelor's in business management. And while I was in college to kind of help pay for college, I decided to get my real estate license, and that kind of got me through college. It was a good opportunity to, you know, learn about real estate, you know, while not being, you know, overwhelmed with life, you know, I was just college and some work. So I got my real estate license about two years ago, as you said, and the entire college experience, I was commuting from home, so I've had kind of the unique opportunity of, you know, hearing all of the business talk between my parents, whether it's been fun or not, I will not comment. But um, around the dinner table, I mean, they talk about extra care, the extra care membership, and, um, they've been talking a lot about, um, making the extra care membership more valuable for their clients, and naturally being in real estate, my mind went to real estate benefits, um, and as they've kind of talked about with you guys a little bit, they've talked about downsizing and things, because that's the perfect age when that kind of naturally happens. So we just thought that it would be a very good benefit for you guys. So I have four benefits here that we are adding, and the first is a yearly real estate review, so on your review request form, there'll be a question, if you'd like to have your real estate review, and this is basically just, I will go through and find your home and look at the other homes that have sold in your neighborhood in the last year or so. We'll try to keep it as close to the time as possible, so that it's more accurate. And this is just kind of to help you guys stay informed on your home's market value. This is just to help you guys, you know, make smart financial decisions and just, again, be informed. The second is a preferred vendors list. So I built a trusted list of professionals of all trades, plumbers, electricians, drywall experts, anything that you know deals with you and your home. And so if you need a referral of somebody who's good in the Columbus area, I can get that for you. The third is trusted realtor referrals. So if you're moving out of state, a lot of people think, you know, my realtor can't help me, but I am part of Buffini and Company, which is the number one real estate training company in the US. And to be part of that, I mean, you have to pay a membership and everything, and so I have access to a great referral network through Buffini and company. So no matter where you're moving, I can find you a really good agent. And then the fourth, and I think kind of the most exciting, is that if you use me and my team to help you buy or sell a home, then I will personally, personally pay for a lifetime extra care membership for you guys. And obviously, if it's a husband and wife, I will only be able to pay for one of you guys, but if you guys are interested in you know, those four things again, it'll be on that review request form and just check yes. Thank you guys for your time, and I look forward to working with

Joe McClain (08:40):
Okay, good, good stuff, Mitchell. And that is exciting. How, if you use Mitchell for a transaction, either buying or selling, that he's going to pay for the lifetime membership for one person. So that's a pretty big benefit of extra care. So to contact to have Mitchell do that for you, Suzanne's going to show you, in a minute on the review request form how that works to request that real estate review. So Suzanne, we're going to turn it over to you where you're going to go through the step by step process. And if you've done this, some of this process before, you may not need to watch all step by step of these. So we that's why we broke it up into chapters. If you ever get get stuck on any part of it, you can go back and watch the chapter in this video that helped you figure it out. So Suzanne, take it from here.

Suzanne McClain (09:33):
Alright, Thanks, Joe. So right under this video, you're going to see a link. Click on the link, and here's what you're going to see. So I'm going to share my screen with you here, and this is your request to request your Medicare review. This is the form you're going to fill out. So I'm going to go ahead and go through this and fill it out with you. So basically, put your first name, middle initial, last name, make sure it matches. What's on your Medicare card, date of birth, and, of course, what your address is, okay. Okay. Now you have to fill out each of these boxes. Do you take any prescription drugs? The answer would be, let's talk. In my case, let's just say, yes. What pharmacy Do you prefer? Well, I use CVS, but if I can save money, I'm willing to change to a different pharmacy. So here's the question, are you willing to change your pharmacy if it means you can save money? So remember, we've talked before. There's what we call preferred pharmacies and non preferred pharmacies. In most cases, if you use a preferred pharmacy with whatever plan you're on for your prescription drugs. It's a better deal for you. So I'm going to go ahead and click yes, because I'm willing to change pharmacies, if it means I can save some money before we go to the next screen and keep going double triple check that email address, because what I find is sometimes people mistype it or whatever. But here's what happens, is, when we are corresponding with you, you're not getting our emails, so make sure you double, triple check this to make sure this is accurate. Okay, enter today's date, which is automatically there for you, and then you're going to put your phone number. Please put your cellphone number if you have a cell phone, and then you're just going to hit next. So the next one here, this is a Medicare compliant form that if you want us to work with you, you have to fill it out. So basically, it's just saying that you're allowing us to discuss with you. It's a permission to contact, the name, our phone number, it would be your email address, and then you're going to sign here. So you can go up here and just type your name and then hit sign, and then next. So you have to do that. This is what we call our Medicare scope of appointment. This, once again, Medicare requires that we have this filled out. This says you are asking us to discuss plans with you and look at all the different plans. There's nothing that you need to do, because this gives us permission to talk about all of these different plans with you, or when we're reviewing all of the plans. So this is going to be the name on your Medicare card, your information that you requested, and then you're going to click on Sign here. Once again, you're just giving authorization. So you're going to sign here, click Next, it gives us authorization to talk to you. Okay, now once again, these are the extra benefits that we're so excited to share with you, with the extra care after we complete your personalized Medicare review, we would like to ask a few estate planning questions to provide you with a personalized summary, just like Joe explained. So if you would like us to do this, just click yes or no. So yes, after your personalized Medicare review, we would like to review your Social Security pensions and other guaranteed income sources. So once again, like Joe explained to you, this would be where we'll talk to you about your guaranteed income sources. So yes. And just like Mitchell explained, would you like to receive a complimentary real estate review to stay up to date on your home's current market value? Just click Yes. So the request for your Medicare review for of course, this has my name, but it's going to be Your name will be submitted when you click the button below, so make sure that you click this button below, right here. Now you have to do a separate form for a spouse, so this is per person. So let's go ahead and submit. Okay.

Suzanne McClain (13:44):
Alright, thank you. Your annual review request has been received. Your next step you will get the next email you're going to get from me is going to be for you to update your medicine cabinet. Okay, many of you have already done this where you log into your client portal and you update your medicine cabinet, so you're going to get an email just like this. So I'm going to share my screen again so you can see what the email is going to look like. So this is what your email is going to look like that you're going to get. It's going to come from national United Medicare Advisors, and it's going to say hi. Now it's going to say Susan, not going to say Suzanne, but I'm the client in this situation, so it'll say Hi Jim, or Hi Joe, or whatever your name is. Before we were going to review, we begin your review. We need you to make sure that you have updated information. Please click the link below to review your medicine cabinet in our client portal, you're going to click this link, alright, so you're going to enter in your date of birth, year and your zip code, and you're going to see here where it says client self service. It's going to have your name here. So John. For example. Okay, so it'll say your information. Now what you want to do is check this information to make sure this is all accurate. You cannot go in and change this because we've locked it down. But if you see an error, you need to let us know so we can correct it for you. Okay, so double check all of this personal information. Make sure you Your address is the same city, state, zip some people move, and then we don't know about it, so let us know if there's an error here. Okay, and then you're going to click Next once all that's updated. So,

Joe McClain (15:32):
Suzanne, let me interrupt you. It showed emergency contact. Is that necessary to have?

Suzanne McClain (15:39):
You don't have to have an emergency contact if you don't want to, it really doesn't matter to us. So in a lot of cases, you can just leave it blank. Okay, so if you in the past have had medications, here's where you're going to see your medications that are listed. Okay, so here's just a medication that I put in for an example. So so let's say your doctor adds a new medication. You're going to go up here where it says inner drug name, and let's just add a new medication. So once you start typing the spelling of the of the name, typically it'll come a drop down. That kind of gives you an idea what the spelling should be. So let's just say simva statin. So I typed s, I, M, V, I pulled up simva statin, and then I just go right over to search. So it's going to tell me that the drug name is simva statin. It's going to give me all of the options for this prescription drug. Now here where, here's where it says T, A, B, that means tablet. Some medications come in different formats, whether they be tablets or capsules, make sure. It is very important that you make sure and put exactly what's on your bottle, because it there. There's a lot of times there's a lot of difference in cost. So let's just go simva statin tablet, 40 milligrams, and let's just put one per day, so 30 every month, and then add medications so you can see that just got added. Now let's say that you were, your doctor took you off of a medication from last year. You can just go up to that prescription drug, whatever one he took you off, and just hit the little trash can here, and it says, Are you sure you want to delete the record? Yes, and that will take that prescription drug off. Now, when you're doing your prescription drugs, this is very important. If you're taking a prescription that says, as needed, you have to put a quantity, so look at your bottle and see what it says on that bottle. So it might they might give you, for example, 15 pills a month as needed, but the prescriptions written for 15 pills a month, so I need you to put in 15 pills per month just so we're able to make sure that we're doing it accurately. Because what's as needed for you could be completely different than what's as needed for somebody else. Okay, so let's add a couple other ones. So let's just look at Eliquis. For example.

Suzanne McClain (18:21):
Now here's the thing is, remember, these are all different. So like, I had a client before that, did Eliquis, and they clicked it, they clicked the starter pack, 74 each, because it was five milligrams. Well, that's not the correct one if you're doing five milligrams a day. So you're going to click the five milligrams. And now, like, let's just say, in this particular situation, you're taking two per day, so you're going to do 60 per month, add medication. Once you have all of your medications added, you will go ahead and click Next. Now it's going to ask you, what pharmacy Do you want to use. Now, whatever pharmacy that you use last year, it's still in there because of the way we did it last year, it will show your current pharmacy. If you've changed pharmacies, you can go in there, delete it. So let's just go ahead and we're going to add a pharmacy. Well Let, let me ask you real tell you real fast. If you do mail order, just click the mail order. Okay, so it tells me you're doing mail order, but if you're doing a retail pharmacy, this is where you're going to put the arrow here or the plus sign, and you're going to put a pharmacy here. Okay, so for example, let's just say that we use giant eagle on Stelter road. Select the pharmacy. So now you can see the pharmacy is listed. If when you logged into this and you saw your pharmacy listed and you've changed pharmacies, just go over here and delete the pharmacy that's currently listed. Go back up, click the retail pharmacy and add the new pharmacy. Pharmacy. So remember, we can only look at one pharmacy for rates. Click Next. Now, if you're on a Medicare Advantage plan where you have to stay in network, we need to make sure that we have a list of all your providers. If you're on a Medicare supplement with a prescription drug plan, we do not need this list of providers.

Joe McClain (20:25):
what if they have over the counter meds or manufacturer assistant meds?

Suzanne McClain (20:31):
Okay, so any medications that you get through the manufacturer do not list those, because if, if you list them, then we're going to, when we go in and do the review, we're going to quote those medications into the cost or into the plan. But if you're getting them specifically through the manufacturer and Medicare or manufacturer discount rate, don't list those medications. Same with over the counter products, any over the counter items we do not need listed, because Medicare doesn't cover those over the counter products. So don't list those. I had a couple of questions last year on compound medications. So if you're getting a medication at a compound pharmacy, unfortunately, they don't. You can't list those either, because those are not covered by Medicare either. So anything like that, you don't, you definitely don't want to list any other questions.

Joe McClain (21:27):
What if they use more than one pharmacy? What should they do?

Suzanne McClain (21:32):
So when we're doing we are doing the review. We can only look at one pharmacy, because that's all our system allows us to use. But what we can do is you can send us a text separately or an email let us know. Hey, I also use this pharmacy for ABC medications, and we can take a look at it. But generally, when we're doing the review, we can only do it at all at one pharmacy. Okay, so now you're to the provider list. Now, if you're on a Medicare supplement with a prescription drug card, you really don't need to enter in your providers, because we don't need that only if you're on a Medicare Advantage plan. So I'm going to go ahead and skip through this. Now, if you're someone that takes no medication, then when you originally sent in your request for the review, you told me that you did not receive or did not take medication, which is fine, but I still need you to go through this, because I need to make sure that this is all updated and all this information is accurate, and that you've went through because then it shows me at the very end that you've confirmed it. You're going to confirm and save, and you're going to get this right here. Once you've confirmed and saved it, it said successfully submitted, and then it goes back to this login screen. If it does not say successfully submitted, and it does not go back to this login screen, it will show me on my end that it is still being edited. So that tells me that you are not complete. So before you log off of this, make sure you hit confirm, and then you'll receive that submitted, submitted, and then it'll go back to this client portal. This is very important, because it going back to that client portal, once again, is telling me you are finished. So the question I've received a couple of times is, hey, well, I'm doing this here in, you know, late August, early September, but I have a doctor appointment. Am I prescription drugs? Can potentially change? Let me stop sharing so I can You can see me real quick. So, so if that is the case, I still need you to request the review. I absolutely want you to request the review, and then all you need to do is reach out to our office via text or email or give us a phone call and say, Hey, I have a doctor appointment on October 30, and potentially my medications are going to change. What we'll do is we'll go into your file, and we'll pull your file out, document it that you have a doctor's appointment and your medications could potentially change, and then we'll just put that file on hold until after your doctor's appointment, and you call us or get back to us via text or email and say, hey, look, my medications are not changing. Or Yeah, the doctor did take away this medication or add this medication. So I don't want you to be worried that you have an upcoming doctor appointment. Things are going to change. Still request the review, and then we'll just pull it for you. Okay, so now that you've done that, we have now received the review. Going to start. We will start working on it. Now, let me kind of give you the timeline.

Joe McClain (24:44):
What if their prescriptions change after they update the medicine cabinet and submit it? What if something changes after that?

Suzanne McClain (24:55):
Okay, that's a great question as well. Let's say we've already, you've already submitted it. Unless your medications change, you need to give us a call and let us know, because we do not know if those medications change, even if we've already done the review. So let's say, let's fast forward to mid November. We've done the review, we've told you what to change to. You've submitted your application, and then all of a sudden, your medications have changed. Please reach back out to us and say, hey, my medications have changed. We need to revisit my, you know, my file, to make sure that we're really set up for the next year. So that's a great question.

Joe McClain (25:32):
Okay, great. So the timeline for everything here, so October 1 is our deadline for you to request your review, so you have until October 1 now, obviously we want you to get this in as soon as possible, go through these steps as soon as possible, because once you've done these steps, then we're going to send you the invitation to register for the event. So Suzanne tell people what's exciting, which I don't know that we mentioned this at the beginning. Exciting about the event this year is that we're going to have your your review ready for you at the event. So we will give you the document with what your with your review, and then Suzanne's going to explain, like, in general terms, like, what maybe Suzanne? You can give us an example of, like, explain in general terms what you're going to do at the event when we pass out the reviews.

Suzanne McClain (26:37):
Okay? So, yeah, back to the timeline. So October 1 is when the Medicare Site becomes live to where we'll be able to actually start looking at the plans for next year. So once again, basically from now until the end of September, we're having all that data collected where we're you know, you're out there updating your medications, those that have Medicare Advantage, updating doctors, hospitals, things like that. And then what we'll do is starting October 1 is when we'll be able to go out and start doing the comparison. Which plan makes sense for you? Prescription drugs is your do? We need to change your prescription drug plans, things like that. So that's why we're having that October 1 deadline, because I want to have time from October 1 up into the live event to make sure we can get everything your review completed to where, when you come to the live event, I'm so excited to share this, but when you come to the live event, in your folder, it'll be Your personal review that says, hey, you're currently on ABC insurance company, and I'm recommending that we move you to this particular insurance company. And what I'll be able to do at the event is, from, you know, from the front of the room, kind of give a generic overview and say, Hey, pull your review out. I'm going to explain it to you. So excited to see that, because I think that that doing the live event, having you there in person with your current review, you'll be able to look at that be like, Ah, this makes sense. So that's why we do have that October 1, because I want to make sure that as soon as it it opens up for us to start comparing plans, so we have everything ready and at our fingertips to make sure that we can give this great thing to you at our live event. So that's our internal deadline. Now, we love, love, love you, but we have to have this deadline. So as many of you are very aware of, like taxes, so I always like liken this to the way that our tax account works. So we all know that our taxes are due April 15, right? But I can't walk in to my tax accounts office and to drop off my taxes and say, Hey, I need to do my taxes. And I know the deadline is April 15, and I know today is April 11, but please get this done for me, because it won't work. So that's why we have asked you to give us, you know, to abide by the October 1 deadline, just so we have time to make sure that we take excellent care of you and have everything thorough without errors. We love you. But if we are past October 1, unfortunately, we're going to have to, we're going to have to have $100 late fee, because we're have to rush to get that done by the live event. 

Joe McClain (29:33):
So even if you don't come to the live event, we still have this, the process of how we do things here, and it's, it's a lot to process, and we, and our biggest thing is, if we go outside of our process, a lot of times Mistakes happen, right? And the last thing we want is a mistake to happen on your review. So if everybody gets their their review. Request in that Suzanne's already went through with you. If you just get that in actually as soon as possible. That helps us get your invitation out to the live event, and then you get registered for that so you're all set and ready to go, and then we can produce your review for you at the event. If you're not coming to the event, you still need, we still need that October 1 deadline, just because we want to have everybody queued up and ready to go. And the other thing is, if you don't come to the event, our our internal deadline is to have every every review out before Thanksgiving. So if you haven't heard from us and we haven't gotten your your review and Thanksgiving comes, then that next Monday, you definitely need to be calling our office and asking where your review is. Chances are it probably went in your spam folder or something like that. So check your spam. But that's kind of our timeline and process. Suzanne, is there anything else you want to cover? No,

Suzanne McClain (31:08):
I think we covered everything. But I do like for my clients to say, Hey, I sat down at my Thanksgiving dinner with my family, and I know and I had the peace of mind of knowing my Medicare was all set up for next year. So historically, that's been our goal for several years, is to get it done before Thanksgiving, so you just have that peace of mind, and you're not thinking about Medicare when you're enjoying your family. So once again, that's why we have that. Now let's talk a little bit about the inflation Reduction Act. I know many of you have heard kind of the buzzwords out there, the 2026 changes. A lot of the information is still not released, because it does not get released to us until the end of September, and of course, we cannot release it to the public until October 1. So we do know there's going to be some changes. I can't disclose all those because I really don't know all those yet, but we know they're coming. So this is why it's so so important for you to make sure that you review. You request your review. Now, couple of things that I want to just address here is, once you go on Medicare, I think this is funny, once you go on Medicare, you become very aware of all the Medicare ads. It kind of like when I bought a new car, you know, several years ago, I looked around and like, it seemed like I saw that car everywhere. I know, we're all the same. So when you're involved in something, all of a sudden, it seemed like everybody's doing it. You're more aware of it. You're You're awareness is definitely heightened of that. So clients here that are on Medicare, the TV commercials, the emails, the text messages, the phone calls, all of those things you're getting. Don't let that bombard you, and don't get distracted by that. So just remember, we have all the same plans. Because we're advisers, independent advisers, we have all the same plans available to us that's really out there that you're seeing the ads on television. Be careful. So I had a client maybe a year or two ago. We were doing the review for them, come to find out, it was super unfortunate, because she was at home, sitting at home watch the TV commercial, and a TV commercial popped up and said, If you have Medicare card, call this number. And it was a one, eight header number. Well, unfortunately, that was a call center. So when that client of mine called the call center because she thought she was calling Medicare, they enrolled her in a completely different plan and disenrolled her from the plans that we originally had spoke about, that she wanted. So when we ended up doing the review, that's when we found that huge mistake, and it was kind of a UNT. It was a tangled mess that we needed to kind of figure out how to untangle, because she didn't really understand what she had done. Definitely was confused because she thought she was calling Medicare. So just don't call those numbers. Don't call the one 800 numbers. Don't add don't answer TV commercial or don't call TV commercials. Don't answer the emails, the text messages, because you really don't know who's at the other end. We're here for you. This is we're we're here to help walk this Medicare maze with you. So, Joe, anything I'm missing here?

Joe McClain (34:27):
No, I think, I think you're covering everything that we had on our list here. I think the final thing is that, you know, we were happy to help out any of your friends, family, anybody that you want to send our way. We want to give them the VIP treatment. Oh, yeah. And we'd love to start by sending them a copy of Suzanne's book, Suzanne.

Suzanne McClain (34:54):
And here is a copy of our book, navigating the Medicare maze. I'd love to send this to any of your friends, co. Workers, family members, anybody that's starting to approach the Medicare age and let them know, kind of give them a little head start of what's available out there for them. All you do is reach out to us, and we're and it's totally fine for us to send this out to your friends, family.

Joe McClain (35:15):
We'll have, we'll have a link to that at the bottom of this page where you can request a friend, request the book for a friend, or you can just forward the page to a friend, to a friend, and they can fill it out and request a book. So no strings attached on that. And so we're happy to get that book into as many people's hands as possible, because, like Suzanne said, that's a good first step. Actually, everybody that calls our office that's new to Medicare, we send that book out to them also. So I think that covers everything. I just want to Suzanne. I think the final things is the messages they're going to get from us and that type of thing. Spam folders cover all that good stuff.

Suzanne McClain (36:02):
Okay, so just make sure remember when you requested review, you put in your text phone number, hopefully your cell phone, you put in an email address. Please watch your emails, check your spam, check your junk. We want to make sure we take great care of you. Don't delay. So if we send you a text and we're like, Hey, we're still missing this information, please get it to us right away, because our goal is to take a plus care of you. So when you when you are talking to your friends and your family, you can say, hey, national Medicare Advisors or Numa, they've got me. All I gotta do is follow what they tell me to do, and everything is perfect. So once again, we really appreciate you as our clients. We love working with you. If you have questions, you know, feel free to reach out to us, but we want you to know that through this open enrollment period, with all the Medicare changes coming, we've got you. Thanks so much for your time.