Ellie Saul: New Benefits Revealed by Mama Bear Medicare

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[Music]

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welcome to fun with annuities where

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every single week i welcome a celebrity

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guest expert that can help you maximize

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chapter two of your life listen learn

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laugh and love every minute of the most

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unique financial podcast on the planet

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let's get to it

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[Music]

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welcome to fun with annuities i'm your

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host stan the annuity man america's

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annuity agent license in all 50 states

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today we are happy to have a repeat

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guest been trying to chase her down

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she's so busy that

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she finally fit me into her schedule her

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name is ellie saul better known as mama

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bear medicare

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she sent me a text the other day i was

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flying on the learjet as you know and it

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said hey

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stan

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things are happening in the medicare

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world and we need to tell the people

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about it

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and so when we're telling the people

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about it

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it's good to have a southern accent in

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my opinion so ellie welcome back to fun

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with annuities

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thanks for having me i was going to wear

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a stan hat but um i don't have one i

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keep back

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well it's funny you mentioned that i i

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said on a couple of videos back i'm like

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hey if you want to stay in the annuity

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manhattan just let me know oh my gosh

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i'm not sure we have any more yet

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we sent out so many yesterday the post

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office like what is that i said those

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are hats

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so i think we're out so no more emails

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please i'll let you know when they're

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coming up but ellie if you're watching

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the fun with annuities youtube channel

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of course she's branded her own hat so

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if you can't get a standing nudey man

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you could get a mama bear medicare hat

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which is kind of cool it says mama bear

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on it which is i think that's i think

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that's that's pretty cool actually yeah

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all right

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they're gender neutral so like anybody

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let's be politically correct um also

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welcome to all you

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podcast listeners which are the vast

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majority of you on the treadmills the

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motorcycles and the cars out there are

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running and being goal-setters thank you

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very much for listening to us but

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there's a lot of you that watch the fun

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with annuities youtube channel and by

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the way we'll have ellie's stuff on the

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site and you can contact her and go to

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her site and

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and you know i've i've had so many

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clients say yeah i contacted her

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contacted her for medicare it was great

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she's a lot nicer than you stand i'm

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like most people

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are nicer than

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you i'm a i'm a philanthropic

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misanthrope for people that are keeping

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square out there

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ellie what's new in the medicare world

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why are we talking

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there are so many awesome things

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happening at stan

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so a law that has been in the process of

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becoming a law and that they've talked

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about for nearly 10 years finally got

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passed

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and i don't know why there's a

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controversial buzz around it for

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non-medicare

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love us like myself

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but the um

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the inflation

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something or other act

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i don't even know all of what it

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pertains to but as it does to medicare

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specifically is not controversial and it

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is 100

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bipartisan and all i mean by that is

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it doesn't matter what you believe or

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what you want if you're in america you

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want medicare to be better right and if

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you don't shame on you

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then move away so how did the

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inflation that's not inflation

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protection act help medicare

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so it helped medicare because it is

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allowing for the first time since it was

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created for medicare

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to negotiate with

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drug manufacturers so for medicare to be

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able to negotiate pricing for medication

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is a huge game changer um a lot of brand

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new brand name medications as you may

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know

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um are pretty expensive you know

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and to curb that expense and to get a

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buzz created around new drugs sometimes

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these manufacturers have little like

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discount cards or copay cards

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and there's usually a tiny little star

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on the bottom that says

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if you

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have medicare or anything like medicare

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then you cannot use this card

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well that little asterisk now has to be

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removed

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because it was there

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because medicare was not legally able to

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negotiate pricing so are you are you a

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glass half full person ellie saw mama

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bear medicare that you actually think

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they are going to negotiate with the

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pharmaceutical companies and will get

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lower pricing for the people

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so i'm uh i'm definitely a glass half

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full i'm somewhere between like glass

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half full and cup running completely

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over all the time

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because there is good stuff when it

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comes to medicare but you didn't answer

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my question i believe it i think they

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will i believe the unicorns are going to

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chase the medicare butterflies is what

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you're telling me yes

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yes i do and let me tell you why why

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several reasons but number one have you

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ever heard of a little man named mark

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cuban

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yes

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okay so he just had this genius idea

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um to do cost plus drugs which basically

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what he's doing is rocking the industry

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and i don't know if that was his

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intention um when cosplus first came out

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i was like is he close to medicare age

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because this sounds like a medicare

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solution

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in a lot of ways for prescription drugs

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and

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what they're doing like their whole

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concept i think is rocking the

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prescription medication industry explain

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it

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so

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more than the word rocking okay

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i'll do my best okay so

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mama bear

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technical definition you got me

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cost plus drugs is a huge online

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pharmacy and they're selling medication

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at cost plus 15 profit

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and even at 15 profit guess what they're

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doing they're making money

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okay and they're doing all right and

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they're adding more medications every

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single day and i think it's just showing

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the entire industry of

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medication i don't know production

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distribution that

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you can make money and still have

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affordable costs

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some of the differences in cost is like

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thousands of dollars to

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a couple of bucks every 90 days

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um and that can be life-changing now

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does that have anything to do with the

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non-inflation act that just passed no it

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doesn't but this is an ancillary benefit

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that you're telling the people about

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i'm saying yes you're right you're right

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but what i'm saying is i think it's

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helping all of us

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look at the cost of medication

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differently even if it's never affected

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us personally

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um i have clients who i build out um i

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go over the top of course because a mama

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bear medicare and i want them to be

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protected

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um

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but i'll make a like a spreadsheet

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because some medications are not even

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affordable in america so i i add this is

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horrible in my opinion alternative

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pharmacies sometimes that alternative

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means different countries

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and and that makes me so sad saying

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because this is america and we should be

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the best

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well we are the best we just have some

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issues with some specific

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sectors as as they say i need to digress

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just a second

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if i see jimmy walker

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mr dynomite

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and joe namath anymore

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on the television yelling about medicare

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i think i'm going to kill myself

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figuratively

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i mean i'm telling you right now

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i don't know what they're i don't know i

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don't even know what they're doing the

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one that kills me the most ellie and and

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then i want you to just jump in and

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hammer this i'm throwing you the biggest

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softball of all time

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is the dumb one that says

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check your zip code i and then they have

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introduced they they interview people

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they go i caught and checked my zip code

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i i called and said i said check my like

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the dumbest sayings of all time i'm

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thinking uh spoiler alert everyone's zip

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code gets it just letting you know i

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mean

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i caught and checked my zip code give me

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a break what is this stuff what are we

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do what is happening why is that on the

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television all the time

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i am so happy that you brought that up

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because the season of that being amped

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up by about 110 degrees is upon us okay

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so these commercials every year they get

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more aggressive and more

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oh i don't know

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mythological you want to talk about some

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unicorns what are they what are they

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pushing though they're pushing you to

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buy their program instead of using

9:30
medicare correct no they're not even

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pushing that this is the worst part stan

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what are they pushing most of those

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commercials

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get away with saying things that are not

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really true because but what are they

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selling ellie what are they selling

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you they're selling the people who call

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in those companies i know but what are

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they selling tell answer my question

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what are they telling you what they're

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selling they're selling the people who

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call in you are the product when you

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call in it's a leads company they gather

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your information

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the product let me let me rephrase it

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what product are they selling ellie

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they're not they're selling the

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customers information to the product so

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for a medicare advantage plan part c

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private health insurance contracted with

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the government to manage care instead of

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medicare

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for them to contact someone they have to

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have permission

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so when you see a commercial that says

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hey call this number if you want us to

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pay you money to take our insurance and

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it comes with a free diet pill that you

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can eat what you want

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and let's stop let's stop there no

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forget all that i need you're digressing

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i'm going to put you back in the lane

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jimmy walker kid dynamite joe namath

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jets quarterback are telling us to check

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the zip code you call in and you give me

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your zip code

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what are you getting

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you give them permission to sell your

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number to different insurance companies

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they sell you as a lead that's how

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they're making money so when you call

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them that's like checking the box and

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saying hey can you please so that you're

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giving permission to be marketed to yep

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that's all that is and they sell you

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they sell you at first you cost a little

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bit more they're called leads companies

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so a hot lead costs more well i mean

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you're talking now the annuity industry

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is ripe with that anybody that's

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listened to this podcast that has seen

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these stupid

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11 pursuit annual return and you've

11:33
called that they're selling your name

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like five times for like 150 to 300

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dollars

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a pop and that's the reason the agent

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calls you over and over and over again

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because they have spent money on that

11:44
lead are you telling me that jimmy j.j

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walker and joe namath are doing the same

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thing

11:49
exactly the same thing and the sad part

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is stan who doesn't want money back i

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want money back okay i have

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multi-million dollar clients who call

12:00
that call and check your zip code

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and check my zip code i want and now you

12:06
like and then the next one that comes on

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goes i want everything that i deserve of

12:10
course you do

12:11
i mean who is producing this crap i mean

12:14
it's driving me crazy and people out

12:16
there that are listening they're like

12:17
stan you're right i'm going to kill i

12:19
don't know which one's worse

12:21
jimmy jj walker and joe namath or or the

12:24
my pillow guy all three

12:27
all three

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i don't like all three

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i'm going to kill myself if i hear them

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say it again

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i don't want slippers i don't want

12:35
pillows and i don't want to get my zip

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code

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but this is

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so this is just a lead mill they're

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getting your names they're selling it

12:43
they're taking your names they're

12:44
selling it to five insurance companies

12:46
and the most aggressive one wins right

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yep they're selling you and they will

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not stop

12:52
if you want money back if you need money

12:55
back and you can't afford your premiums

12:57
there's a program called medicaid that's

12:59
financial aid for low income and it

13:02
differs state by state but if there is a

13:04
true need there's someone like me

13:08
or someone else who does what i do who

13:10
can help you coordinate with the right

13:13
program without you having to sell your

13:16
soul

13:18
to these insurance companies because

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they will not leave you alone

13:24
and every one of those sound too good to

13:26
be true am i right stan it's like the 11

13:29
annuities

13:31
hey if you'll take our insurance we'll

13:33
pay you well

13:35
who's going to do that

13:37
they're in the financial market in the

13:39
financial marketplace and in the annuity

13:41
side and then in the medicare side

13:45
they are trolling

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i'm not going to call them stupid people

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they're trolling for people that have

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shut their iq off a little bit that

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aren't engaged

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that are either scared fear fearful

13:57
um don't have enough money whatever but

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they're trolling for those people

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and i it drives me crazy i i think it's

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it's it's borderline classism

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it's borderline racism

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it's whatever you want to call it but

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they're targeting and you and i both

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know they're targeting

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um and and i cannot believe that this is

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allowed by

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why wouldn't the government step in and

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say no more of these ads we're going to

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put out a public service ad and give

14:27
them a 1 800 number to the government

14:29
employees that can handle this

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or or have a vetting process for people

14:34
like yourself that goes through a

14:36
vetting process that is

14:38
not trying to manipulate these people

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why wouldn't that happen i know i'm

14:43
thinking logically elisa but bear with

14:44
me but what's your answer to that

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my answer to that sadly is twofold

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number one original medicare

14:54
operates on about two percent

14:57
administrative cost okay so that means

15:00
that's good because that means

15:02
98 cents of every dollar we pay in taxes

15:05
or a beneficiary pays in premiums

15:08
actually goes to pay for someone's care

15:11
so that means they don't have a whole

15:12
lot of dollars in

15:14
i don't know education

15:17
and while that is a

15:20
limit that's actually a benefit because

15:22
i i want my insurance company to pay

15:25
more for my care than for their ceos

15:28
right

15:29
and that doesn't happen in the

15:31
marketplace but with original medicare

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there's this one beautiful little part

15:37
where we get more

15:39
than we give at some point

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but

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at the same time in the industry there's

15:46
this alternative to original medicare

15:49
that's 100 for profit

15:52
private health insurance companies

15:54
contracted with the government to manage

15:57
care

15:58
instead of original medicare why is that

16:01
why why wouldn't that i'm thinking

16:03
logically again yeah

16:05
why wouldn't that whole sector do is

16:07
there a need for that sector

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there is a market for that sector i

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didn't say that

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the need the need that's so hard to

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answer stan because

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the when somebody chooses a medicare

16:24
advantage plan private health insurance

16:25
instead of original medicare

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what they're saying is i surrender my

16:30
right to medicare paying any of my

16:32
claims i paid for medicare my whole

16:34
working life every dollar i earned part

16:36
of it went to pay for this medicare

16:38
benefit that i should begin when i

16:42
begin medicare but if you buy an

16:45
advantage plan even if it's zero dollars

16:48
even if they give you the moon and a

16:50
free gym membership you forfeit it you

16:53
forfeit medicare paying any of your

16:55
claims while you have that plan so for

16:58
original medicare that's not for profit

17:01
it doesn't hurt them it doesn't hurt

17:03
them that someone who paid for a service

17:08
doesn't need to take money

17:11
to actually money as jj walker says yeah

17:15
god man i'm telling you ellie

17:19
that's a nasty side you can tell by the

17:21
way that the the the commercials are

17:24
produced i'm sure they're nice people

17:25
and i'm sure their mom makes a really

17:27
nice peach cobbler i understand that

17:29
but you can tell

17:31
that it's been focus grouped it's been

17:34
tested it's been run up the flagpole

17:36
numerous times in numerous situations

17:38
testing it and it's going right after a

17:41
specific person

17:42
and that specific person is a person

17:44
that's not financially educated

17:48
there's a lot of people like that

17:49
whether you have money or no money and

17:51
money money is not a precursor for iq

17:53
financially

17:54
um and but they're going after that

17:56
person and they're selling fear fear

17:58
they're that actually they're selling

18:00
fomo fear of missing out correct

18:03
exactly

18:04
and there's actually um statistics that

18:07
you can look at and training i mean

18:09
anybody can

18:10
um take a course and get an insurance

18:12
license and hop into this medicare

18:15
bandwagon and go get training from some

18:17
of the big major brands that we'd all

18:19
familiar with the you know brand colors

18:22
flying high

18:24
i have been trained on multiple

18:26
occasions to target low income oh sure

18:29
by

18:30
by engaging with um consumers when

18:34
they're at a soup kitchen

18:37
oh my

18:38
okay that should be illegal that should

18:40
be

18:41
it is without a doubt racist

18:45
and

18:46
discrimination classist i mean listen i

18:48
mean throw the race part card on there

18:50
but

18:51
it's a class situation you're talking

18:53
about people of all

18:54
of all nationalities and skin color that

18:57
don't have a lot of money and they're

18:59
targeting those people

19:01
which is which is really bad so so on

19:03
the non-inflation bill that biden is tr

19:05
flying up flagpole and i'm not political

19:07
i could carry the

19:09
only thing i have to say about biden is

19:10
i

19:11
whoever whoever's putting him out

19:13
there's shame on them it's not his fault

19:15
that shame on those people for doing

19:16
that he's too old when i'm that old age

19:19
ellie you do not want me talking about

19:21
annuities because i will not be coherent

19:23
there's a lot of people who are you're

19:24
not going to know i understand that but

19:26
the point is what was this inflation

19:29
bill okay you you were excited about it

19:31
let's circle back there you're excited

19:33
about it not because of mark cuban and

19:36
the lord but why again are you excited

19:38
about the non-inflation bill

19:40
so there are three things that it does

19:42
for medicare beneficiaries number one it

19:45
lowers the um

19:47
the regulation so it lowers the

19:51
difference between

19:53
the um

19:54
like your income for getting extra help

19:56
on part d

19:57
there's about a 15 difference now that

20:00
it has made which just blah blah blah

20:03
means now medicare beneficiaries can

20:06
make more and still get extra help for

20:09
prescription medication

20:11
that's number one number two finally for

20:14
the first time ever since inception

20:16
there is a maximum out of pocket limit

20:22
for prescription drugs specifically for

20:25
medicare beneficiaries that has never

20:28
happened

20:29
um and of course as you know the

20:31
negotiation i'm all about the

20:33
negotiation and i think that

20:36
that's partly why it took so long to get

20:40
it passed who's negotiating is the

20:42
government negotiating with the

20:44
pharmaceuticals cause that doesn't seem

20:45
good

20:46
yeah that is it that's what we're

20:48
talking about you know

20:50
who's gonna i mean i hate to even ask

20:52
this as a rhetorical question but

20:54
who's holding that part of it the part

20:57
that i'm focused on that has potential

20:59
is the negotiation with the drug

21:00
companies however

21:02
i'm skeptical and jaded because how how

21:06
is that trackable

21:07
you know after these companies maybe

21:09
billions and billions and billions and

21:10
billions and billions on on a vaccine

21:12
that some say work and some say didn't

21:14
how

21:15
how where's the accountability within

21:17
the bill or is it just pie in the sky

21:20
we're going to negotiate what is it

21:23
so my cup that's brimming over here

21:27
brings back that with medicare okay

21:31
original medicare

21:33
there is no bias it is universal that

21:37
means everyone who has it has the same

21:39
exact care it's transparent

21:42
everything that's covered is public

21:44
information everyone who takes it is

21:46
public information whether they take it

21:48
whether they accept assignment or

21:50
they're on a naughty list if they don't

21:52
accept original medicare

21:54
i believe in my cup running over as you

21:57
know

21:58
that bringing original medicare guns of

22:03
transparency

22:05
into

22:06
the equation to negotiate for drug

22:10
pricing can only make it better right

22:13
now what's happening is all these big

22:15
insurance companies that are managing

22:19
care instead of medicare they're allowed

22:21
to do it

22:23
they negotiate and their price their

22:25
pricing is a little bit different right

22:28
we're talking to ellie saw mama bear

22:30
medicare we'll we'll have her stuff on

22:32
on the site so you can contact her but

22:35
when you laid out the original version

22:37
of medicare if you'd just stopped right

22:39
there i just said hey

22:40
that's a pretty good foundation from

22:42
that solid foundational thought

22:45
and structuring

22:46
of the plan how did it go so horribly

22:49
wrong where did it where was the pivot

22:52
point where you you can can is there a

22:54
time that you can look back and go at

22:56
this point this is when it started going

22:58
south was there a time like that because

22:59
it seems like we're going way south now

23:02
there's a time there is an exact time to

23:05
point to and it was the inception of

23:07
medicare advantage plans this whose idea

23:11
was that who do we blame for that both

23:13
parties

23:14
i i don't i don't want to say who was i

23:17
i don't want to say that we blame anyone

23:19
other than

23:20
let's just i blame everybody you can

23:22
look it up and see who was in office at

23:24
that time and

23:27
well you know both parties both parties

23:30
have their issues can we can we can we

23:32
get an annuity amen on that one come on

23:35
um but there was a point in time where

23:38
somebody came up with something

23:40
obviously was pushed by these outside

23:43
companies to ram it through otherwise

23:46
sounds like the plan was pretty solid up

23:48
until that point am i right you're right

23:50
it's solid and it can only get better

23:53
unless

23:55
we don't know what we're doing

23:57
i i mean i think we who's we you're

23:59
talking about the government

24:01
i'm talking about the

24:02
average american

24:04
taxpayer

24:06
who should know what we're paying for

24:09
and how it works come on now

24:11
now now i have no faith in it working at

24:14
all

24:14
some of what threatens it okay

24:17
when medicare advantage plans first came

24:19
out they were a joke in fact as early as

24:23
10 years ago

24:25
um when i was in my little uh pushing 30

24:28
zone of life taking my little insurance

24:32
class for the first time ever

24:35
our instructor literally said when it

24:38
came to medicare oh advantage plans

24:41
they're not relevant they'll be gone i

24:43
mean you won't it's definitely not going

24:45
to be on the test and these things are

24:46
not going to last there's no way because

24:48
they're pitiful i've got i've got a a

24:51
similar state well two there's two

24:53
things that correlate with that number

24:54
one is the is the past ibm ceo that said

24:58
he didn't see how people would need

25:00
a computer in every home that was

25:02
brilliant the other one was a vice

25:04
president dean witter that flew into my

25:06
region and when i was a a young broker

25:09
and said we don't think these online

25:11
trade places like e-trade are going to

25:13
are gonna disrupt what we're doing i'm

25:15
like and i raised my hand said you're

25:16
wrong

25:18
literally you

25:19
you are wrong i mean no i'm not wrong

25:22
okay great sounds like this is the same

25:24
thing

25:25
that that person was wrong is it that

25:27
that the medic these plans have

25:29
have they gotten better or they're just

25:31
marketed better

25:34
they're marketed better and they're

25:35
marketed so specifically

25:39
um that it's

25:40
when you say that are you saying

25:42
targeted demographically

25:44
is that what you're saying they know

25:46
exactly who they're going after correct

25:47
i mean everything's a data point

25:50
100

25:51
and you can look back you can circle

25:53
back through research from kaiser family

25:56
foundation just the research that shows

26:00
that specific plans have

26:03
a higher

26:04
likelihood of

26:06
death like there is there is so much

26:10
death in the plan or death of the person

26:12
the person

26:13
i got it

26:16
say that again then i interrupted go

26:17
through that soliloquy again

26:19
yeah so even even the cost to the

26:22
patient there's there's plenty of

26:25
research and documentation because what

26:28
happened is we we went from oh it's it's

26:31
not even a big deal it's barely there to

26:34
masses of insurance agents being trained

26:37
to specifically do one thing

26:41
um i've also been trained by several

26:44
companies to

26:46
not do any educational meetings

26:50
i was in a uh how's that legal oh i

26:53
don't know i don't know well i mean it's

26:56
it's money at the end of the day right

26:59
where you're in a ballroom with hundreds

27:02
of insurance agents and um there's

27:05
someone on stage with a big branding by

27:07
the way just that just that picture and

27:10
i've been in that before i don't do that

27:11
again

27:13
is a horrific play i'm telling the

27:15
listener and viewer

27:17
a room like she just described you never

27:19
want to be in it

27:21
and it's real the vibe is so horrific

27:24
it's not even

27:25
it's thick it's not even you can't even

27:27
explain it

27:29
the first one i was ever in i'll just

27:31
take you back to i don't know 2012 maybe

27:35
they asked from that stage and you want

27:38
to talk about branding they've got

27:40
billions of dollars to brand sure

27:44
the boss of the whole meeting standing

27:46
on stage saying is anybody doing

27:47
educational meetings and my naive little

27:51
cheerful oh yeah you cheerfully said i

27:53
am

27:54
they shot you you know what they said

27:56
first of all they acted like they didn't

27:58
see me okay and then they made a public

28:00
announcement if anyone is doing

28:03
educational meetings you need to stop

28:06
they're not profitable oh my gosh i'm

28:09
hoping that's on film somewhere right it

28:12
doesn't matter it doesn't matter

28:14
did we

28:17
a lot of the passion that drives me you

28:19
know like mama bear medicare we do over

28:21
100 hours of free public community

28:24
education every year i'm the medicare

28:26
literacy advocate for the city of fort

28:28
worth and those those are just passion

28:32
points to me because it's

28:35
so unfair

28:38
but

28:39
the generation that is turning 65 right

28:41
now is stronger and smarter and

28:45
wealthier and healthier than any other

28:47
generation has ever been

28:50
so

28:51
they can

28:52
get to the information that's real

28:56
it's just a treasure hunt

28:59
your faith in humanity is is

29:02
inspiring

29:03
to some

29:04
[Laughter]

29:07
to me

29:08
i'm a pessimistic realist here i'm just

29:11
thinking oh my gosh if i you know all i

29:14
know is

29:16
until i don't see

29:18
these bad television commercials on and

29:20
i'm going to throw in the my pillow guy

29:22
as well

29:24
when i stop seeing that i'm gonna know

29:26
that the world is on a better access

29:28
point i'm sure that my pillow guy's fine

29:30
he's the next alcoholic drug addict my

29:32
thoughts and prayers go to him but i'm

29:33
tired of it

29:36
i know he sold 70 million pillows but

29:37
come on now

29:39
um but the same thing with jj walker and

29:41
these guys i mean to tell you

29:43
it is never ending to the point where

29:46
i'm going through a stretch in my life

29:47
now that i

29:49
try not to shut on the tv for weeks at a

29:51
time because

29:53
it's so much and it's so much of the

29:55
same thing

29:57
that's coming at you which i can't

29:59
imagine the media buys and what they're

30:01
spending

30:02
it's got to be unbelievable

30:05
and now you're telling me they really

30:07
have nothing to sell other than they're

30:09
selling your name

30:11
you are getting you are giving them

30:13
permission to sell you to the highest

30:15
bidder over and over again

30:18
because starting day two there's a

30:20
little cut you get a little discount

30:22
because three or four other companies

30:24
have already had you

30:26
oh my god this is why people complain i

30:28
get calls all day long well

30:30
stop giving out your number if somebody

30:33
on tv is saying stop signing

30:36
i want to give you money so that i can

30:38
give you awesome health insurance if you

30:41
live in a specific zip code don't call

30:43
that number no one is going to pay you

30:46
to take their insurance okay no one's

30:49
going to pay you for the glorious right

30:52
to be able to pay oh my god your

30:55
expenses am i right well we're making

30:58
fun of the ad and i'm sure that it's

30:59
going to get back to the original people

31:01
who did the ad and

31:03
you know what ellie they're not going to

31:04
get mad at us they're going to look at

31:05
us and go

31:06
yeah but we understand what we're doing

31:09
you know they they're they'll be like

31:10
yeah you guys might not like it but it's

31:12
working

31:13
uh it's just to me it could be one it

31:15
could be the dumbest ad campaign from

31:18
the standpoint of just

31:20
the dumbest hook

31:22
or bait to get people to call i think

31:24
i've ever

31:25
seen it's almost to the point where

31:28
listen if you have shoes on you need to

31:30
call

31:31
right now and if you don't have shoes on

31:33
put them on and call

31:35
right now and you could qualify whether

31:37
you have shoes on or you don't that's in

31:39
essence what they're saying

31:41
but they just chose zip code zip code

31:44
zip code was a was genius whoever

31:46
whatever consultant came up with zip

31:48
code

31:50
was genius

31:51
call and check your zip code okay

31:55
spoiler alert everyone wins

31:58
well and and i feel like everybody gets

32:01
a trophy and an orange slice ellie

32:04
hey stan is your refrigerator running

32:07
exactly

32:08
exactly when when people call me and i

32:12
have clients who call me every year it

32:14
never fails they'll say hey ellie

32:17
um have you seen this commercial about

32:18
blah blah blah do you think i need to do

32:20
anything when they call me instead of

32:22
the 1-800 number i feel like maybe i'm

32:24
making a difference in the world like i

32:26
are making a difference in the world

32:28
ellie saw mama bear medicare because

32:30
you're out here warning the people the

32:32
problem is the people that are listening

32:33
to this probably look at that commercial

32:35
like we do as well but

32:37
what i want to do

32:38
and and before we close this thing i do

32:40
want people to put ellie in your

32:44
when you put together your team of

32:46
people

32:47
chapter two of your life you've made it

32:49
you've won the game

32:51
you gotta have you gotta have people in

32:52
your life that are experts at what they

32:54
do and she needs to be that medicare

32:56
expert that person that you can bounce

32:58
things off of that you can trust

33:01
and that you can say hey tell me what's

33:03
new tell me what i need to know about

33:05
tell me what i how i need to to put

33:08
together my specific benefits

33:11
and she can do that and we're proud of

33:14
her

33:14
being a part of the fun with annuities

33:16
family as you know ellie you know we end

33:19
up every single

33:21
podcast with the with the last question

33:25
and i'm going to give it to you it's a

33:26
mic drop moment miss mom and bear

33:29
medicare and you're going to leave us

33:32
wondering how was that so eloquent on

33:34
what you're getting ready to say it's

33:36
going to be 30 seconds to a minute long

33:38
no pressure whatsoever

33:41
and five four three two one go

33:44
leave you with something yes

33:47
yes is that okay no

33:49
seriously seriously if you are anywhere

33:52
close to medicare age

33:55
you're gonna live longer than anyone

33:57
ever has statistically based on

34:00
actuarial data there are 100th birthday

34:04
birthday cards at a little store called

34:08
walmart

34:09
there's a market for 100th birthday

34:11
birthday cards this is not just

34:14
something that you choose that's an easy

34:16
way i think i'll do this because it

34:18
sounds pretty good or it's pretty cheap

34:20
this is a big deal

34:22
turning 65 is legally referred to as a

34:26
change of life event exactly

34:28
that's on the same

34:30
legal equality as choosing a partner for

34:34
life or losing a partner for life or

34:36
adding a child into the mix

34:40
it's a big deal

34:41
don't just surrender your rights because

34:44
you have fomo

34:47
and that's ellie's song that's ellie saw

34:49
we're going to cut that because that is

34:51
that is that is what they call podcast

34:53
gold right there miss ellie's haul

34:55
i appreciate you joining us i appreciate

34:57
every single one of you joining us on

34:59
the fun with annuities youtube channel

35:00
all the major podcast platforms my name

35:03
is stan the annuity man this has been

35:05
fun with annuities and i will see you

35:08
next week

35:14
[Music]