Midstream Medicare Changes & Long-Term Care Insights with Special Guest

In this episode of Insurance 360, Bob and Rob discuss the dynamic landscape of the Medicare Annual Enrollment Period (AEP) and the unexpected changes by carriers that have influenced commissionable and non-commissionable plans. The episode also explores the complexities of long-term care insurance, including traditional, hybrid, and short-term options, and the emerging trend of clients proactively seeking LTC solutions. Special guest Greg Yodis, Senior Sales Director at Pinnacle, sheds light on LTC costs, coverage options, and the role of annuities and life insurance in addressing long-term care needs.

Join Insurance 360 and Greg as they keep you connected with the latest industry trends and ensure you're prepared for a successful year in the ever-evolving insurance landscape!

Transcript

[00:00:00] All right, hello everybody. Welcome to another episode of insurance 360. Keeping it rolling. We're on the ball. There you go. Cheers. Cheers. Rob. Welcome another another episode three weeks in. Oh, I love it. I love it Yeah, we are right about midway point of aep for those of you in the medicare world Maybe a little bit past you know right before thanksgiving season.

We're about halfway Through it's certainly been an interesting one. We knew it was going to be interesting though I guess it's just like everything You have to anticipate change every day [00:01:00] is a new day here. And I think we've gotten a lot of surprises. I'll tell you that I've been doing this for, you've been doing it longer than me.

This is my, this will be, this is my 10th year. Oh yeah. This is my 10th year. Yeah, I know I'm getting old. But I gotta tell you, it's, I've never seen any of this stuff hAEPpen before. It's during. Yeah, there's been so much craziness even prior to AEP with the final rule and everything everyone's aware of at this point.

And then, we got to the point where settled down a little bit. We were ready for AEP. October 1st comes get the plan information. You get to start talking to your clients about it. And then carriers started making changes to the plans. They, I, it's weird. They decided they weren't going to start paying people.

Yeah, it was, listen there are something that carriers do every single year. Some of their plans are not commissionable. Yep. Some of their plans are what they call suppressed. So for you, those of you that aren't familiar with the term The suppressed [00:02:00] plans means ones that are not showing up on electronic enrollment platforms like connecture And sunfire which if you're using them through pinnacle, that's your connect for insurance platform So there's always plans before aep starts that the carriers have that are either not commissionable We're suppressed.

Yeah. It's just the way it is. So when we hit the ground running October 1st, we start quoting, we start comparing the plans. October 15th comes, we can start enrolling people. Those plans, I'll say typically, because this year is not typical, yeah. Which plans are going to be available to say your clients throughout not only AEP, but the rest of the following year.

And now we're seeing changes midstream by carriers. Yeah. And it's not just you it's not just changes to a certain it's not like they're like, okay, these plans are now non commissionable. And that's a pain. But they're also going you know what, we're going to keep them commissionable, but they're not going to be on platforms for you to quote and enroll.

[00:03:00] But if you want to enroll them and get paid, you can write a pAEPer AEPplication, which to me is just. It's almost barbaric. Yeah, great point. So Some of the plans are being made non commissionable. Yep Some of the plans are just being suppressed from electronic where you have to get a pAEPer AEPp to your point and submit it in the mail pAEPer, right?

Which obviously doesn't have the same type of compliance even, I would say when it comes to the pAEPer. Now, here are pinnacle. We have an enrollment room. Most Agencies FMOs do not have pAEPer enrollment rooms any longer Most of the enrollments are being done electronically Correct. I mean we still have that so that's an opportunity, you know If somebody wanted to sell pAEPer they could but still the vast majority are done electronically So now midstream it's hey, [00:04:00] it's suppressed If you can find a pAEPer AEPp, you can still sell it Yeah, and you'll get paid on some of them but not on other ones.

Some of them are just not commissionable altogether Oh, by the way Once the first company announced It had five or six other companies announced certain plans in certain counties in certain states And these aren't the plans. I would say that Agents aren't worried about selling these were the plans that were being quoted.

These were like the lead plans in a lot of areas Yeah, that would imagine quoting somebody October 2nd, and they're like, oh I'll get back to you that plan looks good And then you don't hear from them the plan gets pulled and now that clients like yeah, that's the plan I want But now it's not commissionable.

Yeah. And I get it to a certain degree, but I went to a Humana event five or six years ago and they quoted, and this was five or six years ago, that it costs for every pAEPer AEPplication they got, it cost them like 19 or [00:05:00] 20 to process with, having people do it and the pAEPer and putting it into the computer and all that.

So I'd imagine that cost has gone up with inflation, but we'll be safe and say 25. That's a, so if these plans are being suppressed, but people are writing them, because we were going to have agents do the best for their clients, right? They're going to put them in the right plan. It might actually cost them just as much and not to mention it's, they're not getting rid of any HMOs.

It's all PPOs, which for the past couple of years, a lot of people have been gravitated towards that PBO because it gives them flexibility, mobility to go in and out of network as well as, a lot of these carriers have national networks with their PPOs. Yeah. It's been crazy.

It's really we understand why they might be doing it. But it doesn't make sense the way that it's going down and it's really I don't know if breach of trust is too Strong of a word, but from the carrier's perspective to the agent to the beneficiary. There's a break [00:06:00] in In trust hAEPpening.

Yeah, right So the agents obviously to your point want to do the best thing they're comparing plans You know Even the ones that are commissionable are now not showing necessarily on the platforms at least not all of them Yeah to do a comparison, right? But I guess if you know that plan is the best plan you can get yourself a pAEPer AEPp and you can do it That way but it's really leading to a lot of A lot of problems.

And there has been so much that came out with the CMS final roll last year, where CMS was like, agents are steering, the agents are doing this, compliance issues. And now you might have this causing more of that. Yeah. And it's not the agent's fault. They're trying to compare plans, pick the right plans.

And then how do you sell them? It's really getting to a point where this can't become the status quo. Like clients, the carriers can't like. Flip a switch like I'm gonna turn these plans off this month. Next month, I'm gonna turn these plans off. Like this will be a big problem Yeah, it's almost like the [00:07:00] companies are steering, right?

Because at the end of the day, they want to be profitable and I guess, PPO's obviously aren't as profitable as the HMO's, but at the same time I will give a shout out, Humana has stuck by and said we're not making any adjustments We know that, our competition has done that They're not touching any of their plans.

Yeah, no, that, that's true. And including their PDPs. Yeah, it's I think we saw the first regional carrier do it, but it's been more of the national carriers that have done it and some of it is just one plan in one area and okay, we get it. But a lot of them has been a lot of plans in a lot of areas and it's leading to certainly to a lot of distress among amongst the agents in an AEP where we already knew there was going to be so much turnover that we already knew there was going to be so many Clients are going to have to be moved into changing plans There were so many more SARS out there than there were before there was already all of this going on And then this hits and we understand, the, we know that [00:08:00] we talked about this on other episodes, but the funding changed dramatically, the PDP with the Inflation Reduction Act, the cost to the carriers train changed dramatically, but these were your plans you filed that you put forward.

It would, it really is disconcerting if this becomes a trend. It's not good. And it's not just look, at the end of the day, we have agents that write stuff for us. All the time that are non commissionable to help people, right? Cause they're doing the best that they can, but if they can't find the best plan available and they have to, run all over the place to try to find it and then not be able to even write it because look, let's be honest.

Everyone. We all do stuff remotely. I have plenty of clients. I don't ever see people in person, I see maybe 5 percent of my people in person. To have to get that pAEPer AEPp, then you're adding a whole other element going old school, right? If you, if they're in, they're three hours from you and you can't drive there, now you got to mail them.

That scope of AEPpointment, you're going to mail them the [00:09:00] AEPplication, have them fill it out and have them mail it back to you. So now you're talking crunch time. If this is December 5th, you might as well, good luck with the USPS, right? But there's a lot of hurdles there and I really do. I agree with you.

I really hope that we don't see this as the norm because it's at the end of the day, yeah, it's not commissionable for agents. It's going to be harder for them, but it's going to hurt the clients. Which is what we don't want to have hAEPpen. And it's not what the agents want to have hAEPpen.

Certainly CMS is not going to be hAEPpy. I think the carriers are doing this. Although, it's probably a good segue. We had the election this year and it does look like we're going to have a new head of the CMS. Of CMS centers of medicare and medicaid services familiar face and rob, you want to do drum roll and it is Dr.

Oz, dr. Oz. So mostly when these nominations for all the different departments come down Unless you're really involved with following politics. You typically don't know the person [00:10:00] who they are. Yeah This year has been a little different. Yeah. Yeah. He's some of the nominations. He's definitely put some people in place that we've seen before or have heard of.

Yeah. So Dr. Oz obviously is a real doctor. First off, let's say that he is a legit doctor but he was a tele, television personality had I think he even had his own show for a little bit. Yeah, he was on oprah, right? Then he had his own show. And then you know, he did not he got beat out by fetterman for the senate He ran for senate in pennsylvania And he did lose that the last time around so he is going to be the head.

If confirmed Obviously, they got to do go through a confirmation process, but if confirmed, he'll be the head of CMS. So the current head of CMS, if those of you who don't know Chiquita Brooks will assure, and we all know if we've been in Medicare the last couple of years, there's been a lot of issues really not great for Medicare Advantage, right?

There's been tons of [00:11:00] changes, funding changes, star rating changes. It's all been about the money. We talked a little bit about why the carriers are suppressing these plans. Funding has changed. The one thing we know if we go by what we've seen from Dr. Oz, Different things he has said. I even saw a really good youtube the other day was specifically about medicare advantage.

Dr. Oz from what I can tell is a fan And does is it going to be an advocate for Medicare Advantage? And we think that's going to be good for our industry. Yeah. Yeah. And look, if anything, we talk about elections and who's in place, right? I will say this from a, I believe in laissez faire when it comes to a lot of this stuff.

Yeah. Obviously you need regulations, but I think certain things need, it doesn't need the scrutiny that you need. And over the past four years. All we've gotten has been scrutiny and more and more. It's one thing to have some guardrails in places and it's another thing to just, put up roadblocks [00:12:00] all over the place.

Yeah. And I hope that with, Dr. Oz, with Trump coming into office, we will see a little bit more. And I think we did see that from 2016, when he took office. We did see pulling back, the scope of AEPpointment, 48 hour rule going away, some of those things. And, obviously it was Even all the extra benefits from Medicare Advantage came from the 2018 if I'm remembering correctly CMS final rule during the Trump administration where all the extra benefits like the transportation and whatnot that's really where they came to be.

And they are very popular. Yeah. There's a lot of looking at there, but I think that's where Dr. Oz being me. a medical person where Chiquita is really a Public policy person, right? She, lack of better term. She's more of a bureaucrat, right? She's about running a big organization looking at probably numbers and different things like that I think there'll be a more holistic AEPproach to what makes sense for clients I have no doubt they're going to look at the cost in medicare that's certainly a big [00:13:00] expenditure in government spending.

We know this. We've seen You What's it? Doge coming down the road with the Department of Government Efficiency. Yeah. So we know that we know there's going to be a concerted effort to control costs across the government, which to a certain extent probably makes sense to have that.

I think I heard the Defense Department, I think it's eight years in a row, They failed their audit. They failed their audit. They're like that four billion dollars We're not really sure what that was spent on or where it was So those are the kind of things that I think are going to be looked at right as opposed to We're going to make it really hard for people to sell medicare advantage.

I think that is going to be something if you go by what dr. Raza said historically, it's going to be it's going to be shored up Those kind of plans where there's preventative measures. There's all kinds of things you can do to help keep people healthier. And again, they're going to look at costs and those kinds of things.

I'm sure. But I think we are going to look at a more positive [00:14:00] AEPproach to MA. Going forward with you, which is great, which it makes sense. The carriers are taking over the, the clients over the government. They're in charge of the care. So I feel like it's a win.

The carriers are taking care of the clients. The government is just saying, all right here's some money per client, take care of them. And I feel like you, it's less, it's, it is, it goes back to the laissez faire piece that I'm, that I like is that we're letting the companies that know what to do it.

And you're not having that government control, which, you know, in some industries that makes sense. And in some aspects, having the guardrails, it makes sense. I think for Medicare advantage, it flourishes when you let the companies do what's good for the clients. Obviously. They still need to make they still need to be in green every year.

We know that. But the more people they have, the more they're going to be in the green and they're more willing to have those extra benefits. Yeah. Yeah. Yeah. Yeah. We've seen the plans getting better and more robust year after year. This is probably the first year where we feel like there's been a pullback in the benefits probably based [00:15:00] on the current environment.

And what we're seeing with more plans being pulled it probably should have pulled back a little bit more on the benefits I mean if you ask them they'll probably tell you that they should have done that and maybe Not tried to still be as aggressive as they were with some of it but that being said I agree with you.

I think we're going to see some more free market yeah. Choice Medicare supplements. We still sell a ton of meds up. So good products for many clients. That'll be the way a lot of your clients are going to want to go. And that's fine. But we like the idea of choice, like the idea of free markets, competition spurs on, in every industry we see competition making things better.

Yeah. As far as what the client gets at the end of the day, because the companies are competing for market share. But it's got to make sense, right? Financially. Yeah. Yeah. I, and I think I'm, I, for the first time that we've been doing the podcast this year, I feel hopeful for our industry.

I really do. Yeah. It's definitely we definitely I [00:16:00] think we're going to see a light at the end of the tunnel here coming for next four years. Hopefully we're right? Hopefully we're right. That's what we feel. And it's pretty important. We talked about health insurance.

We've done so many of our episodes this year about cross selling. at other products like ho cancer and stand alone de plans. But something to the forefront today, w about as much is long ter

If you're on social media, you probably have seen some of the advertising out there. I know us as an organization Have a long history in long term care. It's where we started right? It's really where we started. It's not the same market as it once was so we have a special guest today I was able to grab a couple of minutes out of his busy schedule, but our senior sales director who oversees our annuity life LTC, which really is combining more and [00:17:00] more than ever before.

Greg Yod is to join us a little bit here today, just to talk about what's going on with long term care. What are some of the options out there? What are we seeing in pricing? What are we seeing in underwriting? And, I'm going to get right from the horse's mouth. Get Greg to tell us a little bit about what are the opportunities with helping different kinds of clients with long term care.

We're going to cut to a quick little interview we did with with Mr. Yotus. I'm intrigued. Let's hear what he has to say.

All right, everybody. Special guest interview here on insurance 360 today. I'm with Greg Yotus. from our Pinnacle team here who runs our annuity, life insurance, and long term care, which these days goes together in many ways. A lot of the similar products going on right now, and it is Long Term Care Awareness Month, right?

I know there's a lot more promotion out there that we're seeing. Really curious if we're actually getting [00:18:00] more individuals asking about it just because it's long term care awareness month, is it bringing the, is it bringing that awareness more to the forefront for the clients?

Or is it still, if an agent brings it up, then that it's getting talked about. But if we're not bringing it up, then maybe it's not getting talked about. From your perspective, talking to agents and advisors all day, every day, which is what you do what are you hearing in general?

Especially from those people that are talking to you about cases they're working on for LTC. Yeah. There's definitely agents that talk to their clients about LTC and are pretty comfortable in that arena. But a lot of cases, what we find is that the clients are actually coming to their agent and saying, Hey, I need LTC.

That's a big change because I remember it used to be, I'm not going in a nursing home. Take me to back, give me the back of the head with a shovel and I'm not going in there. So people didn't even want to talk about LTC back in the day, but clients bringing it up. That's pretty good.

I like to hear that. Yeah. Yeah. With the cost that's involved in it, it's [00:19:00] really something that if you don't take care of it, you can really dwindle your retirement savings if there's unexpected costs. Somebody's got to cover those costs, right? Because we know how expensive it is to go not only in a nursing home, but you're looking at.

looking at things like home care, right? Which obviously a lot more people would rather stay in her home than have to go into a nursing home or an assisted living facility. Typically, those are situations where the person is at a point where they really need that around. The clock care, right? But home care, big option.

Big option. And I think when you talk to most people, like you said, they rather be in their home. It's just a little bit of a shift in mindset. When people think of LTC, they think of the facility, but home care, assistant living, that all falls under the same scope. Yeah. We don't say nursing home coverage, right?

We talk about long term care. And when you frame it in a way that, hey, Long term care, if you have it and [00:20:00] have the coverage, it will keep you in your home longer, which is what you want. Yes. So it's really the benefit of what the clients want, but I think the agents got to make sure they're framing it the right way.

And when you talk about cost, There's a lot of different options with long term care, right? It's not just traditional anymore. Not just traditional. We're seeing an explosion in just the hybrid life LTC products. We also offer annuities that have LTC components to it, which we're seeing a lot of people wanting to utilize and make sure that they're protecting their retirement savings for, like you said, those unexpected costs that hAEPpen later on in life.

Yeah, and with those cost differences when we're talking about life insurance, we're talking about annuities that have long term care coverage. What we've seen is the funding is different, right? It's not necessarily the same way and you're getting more benefits. than just maybe a traditional long term [00:21:00] care might, might offer.

When you have life insurance, you obviously have the death benefit. When you have an annuity, you might have the opportunity for a guaranteed lifetime income to come along with it. You have interest growth, right? It's actually growing giving you more money, maybe, in the future to use for a variety of things, not just long term care type services.

Yeah, biggest drawback of traditional LTC has always been If you don't use it, you lose it. And a lot of clients think, Hey I if I'm never going to use it, I don't want to lose it. So the other products give those extra benefits that are across the board, depending on your scenario can really benefit you.

Yeah, absolutely. And also the underwriting is also always a big concern when we talk about long term care. It's interesting when I asked that question about our agents bringing it up or clients asking about it, because a lot of the times if a client's asking about it, It's maybe because they're in a situation where the health isn't great.

So now you're having that conversation of somebody that wants it, but [00:22:00] can they get it right? Can they get a traditional or they have to look at one of these other options that are available. So talk a little bit about those underwriting differences that we see with the different types of products.

Yeah. Traditional LTC. Probably a little bit more stringent on the writing when you're looking at that. The life, like you said it's a little bit more traditional life on the writing. So it's a little bit easier and then you get those extra benefits. And then, all the way down to the annuities that we can offer.

We, we have a product that there's no on the writing, but you still have those benefits. No yeah that's what we're talking about. I think a lot of times people think long term care person's not in great health. It's going to be too expensive. They can't afford it. Can't get the coverage and they move on from that But I think that's a really important point to drive home Is that there's a lot of options and it's really about talking to our team really about the case design Right and doing that fact finding.

It's not just my client wants long term care. It's here some of the health conditions they have here are some of the opportunities you have to fund that, maybe an annuity [00:23:00] it would be something like a CD they have sitting around where you could fund something like that. A traditional long term care plan might not have some of those options and it could be pretty expensive.

Yeah. Yeah. Yeah. Given the person's situation, I think we could find something that covers their LTC costs. Depending on whatever their situation is. Definitely give us a call. We're glad to do the case design and find the product that fits your needs. Yeah. And one of the products we've seen grow in a lot of popularity it's a stand alone product, but it's a short term care plan.

And for those of you that haven't looked at short term care before, think of a traditional longterm care plan. but the max is no more than one year worth of benefit. And the underwriting obviously is going to be a lot less costs are going to be a lot less, which is going to be an option for clients out there as well.

Definitely again, find in the right situation given their their goals and objectives. But yeah, like you said, that's a perfect situation where you can lower your cost and still cover your LTC. [00:24:00] Yeah, exactly. And just remember just like most health insurance, you don't always have to cover everything.

The entire exposure, right? So if you're thinking the average day in a long term care facility is going to cost, X amount of dollars per day or per month what are the averages? Like 9, 000 now or so? Yeah, national average, 9, 000 for an LTC facility, right around 5, 000 for assisted living or in home care.

Okay. Looking at a cost for 9, 000 and saying, wow, that's so expensive. Let's not do LTC. Maybe they can afford 4, 500. Maybe they can afford 3, 000 a month. Having something many times is better than having nothing, right? At least you have something assisting with the overall cost of care.

You're pushing that risk off to the insurance company for a part of it. And this way the client doesn't have to, Take all that risk. Yeah. Yeah, that's a definite way to protect your retirement assets or whatever you saved and from those [00:25:00] unfortunate things when you get sick to have some coverage like you said is better than none.

We're all getting older living longer. We know the drill, right? We might Be living longer, but it doesn't mean that we're not going to get some kind of illness, right? Nobody knows what the future holds we could be As healthy as we can be today and, two months from now somebody has a stroke.

Right? Stroke, yeah. Something of that nature. They, maybe it's just home care that they need. So maybe a short-term care plan would be a good option. Maybe, a hybrid option, like a long-term care with life insurance or with an annuity would be a good option. Listen, if you're young and you've got funds, traditional LTC is gonna do the best job for LTC.

Yeah. That's the bottom line. Yeah. We know that. Yeah. We know that. But just like everything, that might not fit every client. Correct. And that's what we want to really drive home is that there's more than one way to help your client with LTC. Yeah. You definitely have options.

Yeah. To do that. Yeah. No. It makes a ton of sense. Now, as an [00:26:00] agent, something to keep in mind is when you're selling traditional LTC you've got to do some extra training. Yep, they do. You have to go through the LTC certification, make sure you're up to date on all the ins and outs of LTC.

So that's just a small hurdle to get through, but to be able to offer that to your clients when they ask or if you're talking to your clients and you, you want to push it to them and make sure that they do it. Yeah, and it's typically pretty easy to do the certification. It's just like a CE training.

I know we have that available. through our CE platform. And honestly if you've got a case you're working on, you need to get that done. I don't even know, we can probably even handle we have vouchers that discount those, and those kind of things. Discount at CE, yep, definitely do it. It doesn't take too long at all, and Like you said, it's a continuing education.

It counters your CE credits, which you're going to have to do anyway. So it's just a, another course and another way to handle your traditional CEs that you're going to have to do. And it gives you the ability to sell those. Not every [00:27:00] hybrid plan is going to require The training, but it makes sense if you're going to be talking about long term care to probably have that done, yeah, just to make sure you're educated and up to speed on the different terms and things, but yeah, you're correct. Some of those, if it's not a traditional LTC rider, you don't need the LTC certificate. Yeah, exactly. But nothing's worse than having a client that's saying, sell me something, and it's I gotta do this training, and I gotta make sure I get set up with this company now, and I gotta get, now you're three weeks later before you can actually put pen to pAEPer or e AEPp.

It's probably much, much better. Mostly e AEPps at this point. Are you seeing any pAEPer AEPps on long term care coming through? Very few. Thank God. Yeah. This makes life easier. No nagos. You have all the information that you need to make sure before you submit it. Makes life a lot easier.

Yeah, absolutely. Yeah. At the end of the day, I think if we're going to be trying to do the best job in helping our clients, With all their different health insurance needs, [00:28:00] long term care is one that should be a checkbox. on what we're talking to our clients about, right? I talked to him about this.

I know we've even come up with a form that if a client's not interested in long term care, you can actually have them sign that form. Just something that's a little bit of a CYA because that's a big exposure. Obviously if you need long term care and you've got assets that are going to be depleted because of the cost of long term care and you don't have the coverage just showing that you talk to your clients about it.

about it. You talk about being a trusted advisor and if you're not talking to them about it and giving them those opportunities, you wouldn't want to be in a situation where something hAEPpens. The family comes back to you and said, Hey, why didn't you talk to my parents? Yeah, 100%. 100%. Yeah. So remember, if you're an agent, And you're working with clients typically 50 and older 50 to 60 sweet spot when you got underwriting But there are options even when you're talking to 60 65 and older marketplace.

You want to contact our annuity [00:29:00] life LTC team that's all they do here in the office. They'll run all the illustrations for you, right? Yeah, you guys handle underwriting questions on the right questions anything you need. We're here to assist you and make sure the, it goes smooth and you know everything you need to know.

Yeah. And then the processing on the enrollment and the AEPplication will come through us as well. So everything from submission to commission, as we like to say, we handle it in the office. So remember, contact the Annuity Life LTC team. You can find Greg and team on our website at pfsinsurance. com. So please reach out if you have any questions and we'll help you out.

So And Greg, thanks for joining us here. Give it a couple of minutes. I know you're probably busy with all those LTC calls that are coming in, but you're meeting with clients. Give us a call. Thanks again, Greg. Thank you. Thanks for having me

choices that are out there. And just like anything, you need to have somebody who's the expert help you with that. And that's where our team, if you can come with them [00:30:00] with a client with a little bit of information about them, they can really put together a really good plan to help you get that client into What's best for them into something anyway, right?

That can help with some of these costs. I think the long term care, it's a lot of, it's just like life insurance in that, especially if you're younger, you're not thinking about it now. And this is when it's going to be the cheAEPest for you is when you're in your twenties. Can't wait till the house is on fire.

And then you just can't wait till the flood hAEPpens. Uh, you gotta, Look at it ahead of time. People worry about the cost, all those kinds of things. That's where the target market is probably 50 and older. But we can definitely help individuals in retirement, right? That 65 older, there's still some options out there for people, even with some different kinds of health concerns.

So call the team. Greg is standing by with the rest of the, with the rest of the team. You should have one of those old school, like nineties pop ups, like it's a call now. Exactly. She's going to add this in, you guys are going to see it. It's going to pop up. No doubt. Yeah. So a lot [00:31:00] going on.

A lot of things going on with Medicare. A lot of things going on with health insurance. I'm sure there'll be more to come over the next couple of months with changes. OEP is going to be huge this year. I think it's just going to be. Crazy tons of movement. Yeah, I think tons of movement.

If you have questions reach out to the team Otherwise, I think we're gonna roll today. That's gonna be the end of our episode AEPpreciated. Thank you again for joining. Us here on insurance 360. It's been a good year. Yeah, keep it rolling and we'll look forward to our next episode.

So Thank you