Podcasts about extra help

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Best podcasts about extra help

Latest podcast episodes about extra help

360 with Katie Woolf
Green River Aboriginal Corp GM Wayne Buckley on need for extra help for Nauiyu

360 with Katie Woolf

Play Episode Listen Later Jun 11, 2026 12:32 Transcription Available


See omnystudio.com/listener for privacy information.

The Chasing Health Podcast
Ep. 420 - Stop Making Fat Loss Harder Than It Needs to Be

The Chasing Health Podcast

Play Episode Listen Later May 22, 2026 45:09


SummaryIn this episode, Chase Smith and Chris Bealhen break down the biggest mistakes people make during fat loss and how to make the process feel easier, more sustainable, and more effective. They talk about why so many people stay stuck in a calorie deficit for months or even years without seeing the progress they want and explain how simple habits can completely change your results.The coaches cover the importance of protein, fiber, food quality, movement, sleep, stress management, and tracking accurately. They also explain why eating out too often, grazing throughout the day, and “kind of” following a plan can make fat loss much harder than it needs to be. If you've been frustrated with your progress or feel burned out trying to lose weight, this episode will help you simplify the process and finally start seeing better results. TAKE OUR STRATEGY ASSESSMENT: https://conquerfitnessandnutrition.com/assessment Chapters(00:00) Why Fat Loss Should Be Temporary(02:30) Why Most People Stay Stuck During Fat Loss(04:45) How Protein Makes a Deficit Easier(08:30) Why Fiber and Food Volume Matter(14:05) The Problem With Eating Out Too Often(18:20) Balancing Fat Loss With Your Social Life(24:15) Water Intake and Managing Hunger(26:00) Why Meal Planning Reduces Food Noise(29:40) Sleep, Stress, and Fat Loss Progress(33:00) How Movement Helps You Burn More Calories(37:45) Why Tracking Calories Actually Matters(41:05) Simple Meals Make Fat Loss Easier(42:50) Extra Help for Learning Macros and NutritionSUBMIT YOUR QUESTIONS to be answered on the show: https://forms.gle/B6bpTBDYnDcbUkeD7How to Connect with Us:Chase's Instagram: https://www.instagram.com/changing_chase/Chris' Instagram: https://www.instagram.com/conquer_fitness2021/Facebook Group: https://www.facebook.com/groups/665770984678334/Interested in 1:1 Coaching: https://conquerfitnessandnutrition.com/1on1-coachingJoin The Fit Fam Collective: https://conquerfitnessandnutrition.com/fit-fam-collective

ONE FM 91.3's Glenn and The Flying Dutchman
Extra Help for Singaporeans

ONE FM 91.3's Glenn and The Flying Dutchman

Play Episode Listen Later Apr 8, 2026 3:07


On The BIG Show today, we discuss the new measures for Singaporeans with the rising costs of living! Check out the full article here: https://www.straitstimes.com/singapore/politics/nearly-1-billion-in-extra-help-for-sporeans-amid-rising-costs-govt-to-do-more-if-needed-minister Connect with us on Instagram: @kiss92fm @Glennn @angeliqueteo @officialtimoh Producers: @shalinisusan97 @snailgirl2000See omnystudio.com/listener for privacy information.

Breakfast with Refilwe Moloto
The ‘fairness' of the Bulls getting extra help to get themselves out of a self-created mess

Breakfast with Refilwe Moloto

Play Episode Listen Later Dec 30, 2025 9:36 Transcription Available


Jan de Koning, freelance rugby journalist and regular CapeTalk contributor, speaks to John Maytham about the controversy surrounding Springbok coaches providing short-term support to the Vodacom Bulls. He discusses whether the assistance is fair or gives the franchise an advantage, and reflects on the wider implications for fairness, accountability and collaboration in South African rugby. Good Morning Cape Town with Lester Kiewit is a podcast of the CapeTalk breakfast show. This programme is your authentic Cape Town wake-up call. Good Morning Cape Town with Lester Kiewit is informative, enlightening and accessible. The team’s ability to spot & share relevant and unusual stories make the programme inclusive and thought-provoking. Don’t miss the popular World View feature at 7:45am daily. Listen out for #LesterInYourLounge which is an outside broadcast – from the home of a listener in a different part of Cape Town - on the first Wednesday of every month. This show introduces you to interesting Capetonians as well as their favourite communities, habits, local personalities and neighbourhood news. Thank you for listening to a podcast from Good Morning Cape Town with Lester Kiewit. Listen live on Primedia+ weekdays between 06:00 and 09:00 (SA Time) to Good Morning CapeTalk with Lester Kiewit broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/xGkqLbT or find all the catch-up podcasts here https://buff.ly/f9Eeb7i Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567See omnystudio.com/listener for privacy information.

The Bubble Lounge
The Holiday Wake-Up Call: Recognizing When Loved Ones Need Extra Help

The Bubble Lounge

Play Episode Listen Later Dec 17, 2025 24:14 Transcription Available


The holidays have a way of bringing everything into focus.We're home. We're together. And sometimes, we notice things we didn't see before — a parent who's more forgetful, a loved one struggling with daily routines, or a quiet feeling that something has changed.This is the kind of moment no one prepares you for.In this episode, I'm joined by Brian Levy, Chief Relationship Officer at Cambridge Caregivers & Manchester Care Homes, to talk about what those “little moments” might actually mean — and how to respond with clarity instead of panic. We cover how to recognize early signs that a loved one may need extra support, how to start the conversation without fear or guilt, and how planning ahead can make an emotional situation feel far more manageable.This isn't about rushing into decisions or giving up independence. It's about being informed, proactive, and prepared — so when the time comes, you're not navigating it alone.If you're spending time with family this holiday season and find yourself paying closer attention than usual, this episode may be one of the most important listens of the year.To learn more about Brian Levy and Cambrindge Caregivers click here and to learn more about Manchester Care Homes click hereFor Brian's list of Frequently Asked Questions click hereThis episode is sponsored by: Cambridge Caregivers Kathy L Wall State Farm Agency | Mother Modern Plumbing | SA Oral Surgeons | Please show your support for the show by visiting our amazing sponsors.

The CIRS Group Podcast
Are you detoxing properly? Your body may need extra help!

The CIRS Group Podcast

Play Episode Listen Later Sep 17, 2025 24:30


For more info and support, join us at https://thecirsgroup.com In this episode of The CIRS Group podcast, hosts Barbara and Jacie delve into the crucial topic of detox pathways, particularly for those of us dealing with Chronic Inflammatory Response Syndrome (CIRS). They discuss the body's natural mechanisms for eliminating toxins and why CIRS patients may need extra support to aid these processes. They'll cover the key organs involved such as the liver, kidneys, lungs, skin, and lymphatic system, as well as the importance of pooping! The hosts offer practical advice including lifestyle changes, proper hydration, sleep tips, and specific supplement recommendations like B vitamins, magnesium, glycine, and NAC. They'll also cover the role of diet and fasting in supporting detox pathways. Remember, this is not medical advice! Always consult healthcare professionals before making any changes. It is so important to support the body's natural detox functions without overwhelming them. For more info and support, join us at https://thecirsgroup.com TIMESTAMPS 0:00 Introduction and medical disclaimer 01:35 What are the body's detox pathways 03:48 Common reasons you're not detoxing properly 05:50 How supporting detox can help you heal 07:13 Practical tips to support your detox pathways 13:24 Supplements that help you detox 18:20 Diet, nutrition and fasting to support your detox pathways 22:54 Why binders like charcoal and clay aren't ideal when you're treating CIRS 24:10 Conclusion and additional resources Order Jacie's book! The 30 Day Carnivore Bootcamp: https://a.co/d/7MgHrRs The CIRS Group: Support Community: https://thecirsgroup.com Instagram: https://www.instagram.com/thecirsgroup/ Find Jacie for carnivore, lifestyle and limbic resources: Jacie's book on the Carnivore diet!  https://a.co/d/8ZKCqz0 Instagram: https://www.instagram.com/ladycarnivory YouTube: https://www.youtube.com/@LadyCarnivory Blog: https://www.ladycarnivory.com/ Find Barbara for business/finance tips and coaching: Website: https://www.actlikebarbara.com/ Instagram: https://www.instagram.com/actlikebarbara/ YouTube: https://www.youtube.com/@actlikebarbara Jacie is a Shoemaker certified Proficiency Partner, NASM certified nutrition coach, author, and carnivore recipe developer determined to share the life changing information of carnivore and CIRS to anyone who will listen. Barbara is a business and fitness coach, CIRS and ADHD advocate, writer, speaker, and a big fan of health and freedom. Together, they co-founded The CIRS Group, an online support community to help people that are struggling with their CIRS diagnosis and treatment.

Daily | Conversations
Extra help for Donny Schatz, Tony Stewart Racing? Plus, it's Knoxville Nationals time! | Daily 8-9-2025

Daily | Conversations

Play Episode Listen Later Aug 9, 2025 9:42


It's Knoxville Nationals Saturday, and we'll talk who locked in from Friday, preview tonight's racing, and a possible reason why Donny Schatz looked pretty good last night. We'll also hit on the North South 100 and Friday race results.

Daily | Conversations
Extra help for Donny Schatz, Tony Stewart Racing? Plus, it's Knoxville Nationals time! | Daily 8-9-2025

Daily | Conversations

Play Episode Listen Later Aug 9, 2025 9:42


It's Knoxville Nationals Saturday, and we'll talk who locked in from Friday, preview tonight's racing, and a possible reason why Donny Schatz looked pretty good last night. We'll also hit on the North South 100 and Friday race results.

Business English from All Ears English
BE 386: Can You Walk Me Through This? How to Ask for Extra Help at Work

Business English from All Ears English

Play Episode Listen Later Mar 16, 2025 16:25


Take our free Business English Score Quiz here. Take the quiz and find out your Business English score. How prepared are you for English at work? Do you love Business English? Try our other podcasts: All Ears English Podcast: We focus on Connection NOT Perfection when it comes to learning English. This podcast is perfect for listeners at the intermediate or advanced level. This is an award-winning podcast with more 4 million monthly downloads. IELTS Energy Podcast: Learn IELTS from a former Examiner and achieve your Band 7 or higher, featuring Jessica Beck and Aubrey Carter Visit our website here or https://lnk.to/website-sn Send your English question or episode topic idea to support@allearsenglish.com Learn more about your ad choices. Visit podcastchoices.com/adchoices

Hamilton County Ohio Social Service News
Extra Help with Medicare Prescription Drug Costs

Hamilton County Ohio Social Service News

Play Episode Listen Later Mar 9, 2025


There's a Medicare “Extra Help” program provided by the Social Security Administration which helps with prescription drug costs. The program helps low income individuals pay their Medicare prescription (Part D) drug coverage, like premiums, deductibles, coinsurance, and other costs. Everyone who qualifies for the Extra Help program will pay: $0 Read More Shared by United Resource Connection March 8, 2025

Outside the Trenches
KC Laboratory 11/27: Chiefs getting some extra help back for Raiders matchup

Outside the Trenches

Play Episode Listen Later Nov 28, 2024 41:25


Kent Swanson, Matt Lane, and Matt Hamilton preview the Chiefs Week 13 matchup against the Las Vegas Raiders. — The Soul of KC Holiday Raffle & Toy Drive is BACK to spread joy and make a difference! Purchase tickets and be entered for a chance to win some awesome prizes. Venmo

Agent Survival Guide Podcast
How to Check Medicare Extra Help Eligibility for Your Client

Agent Survival Guide Podcast

Play Episode Listen Later Nov 14, 2024 12:43


  Get the details on Medicare Extra Help (Low Income Subsidy) in this ASG Podcast explainer. Find out how agents can look up this info for clients, the income limits, and more!     Read the text version    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 7 Powerful Practices for Selling Prescription Drug Plans: https://ritterim.com/blog/7-powerful-practices-for-selling-prescription-drug-plans/   Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://link.chtbl.com/ASGB20241012 How to Help Clients Avoid Medicare Late Enrollment Penalties: https://ritterim.com/blog/how-to-help-clients-avoid-medicare-late-enrollment-penalties/ How to Save Your Clients Money on Prescription Drugs: https://ritterim.com/blog/how-to-save-your-clients-money-on-prescription-drugs/   The Beginner's Guide to D-SNPs: https://ritterim.com/blog/the-beginners-guide-to-dsnps/ The Part D SEP Triggers That Can Help You Post-AEP: https://ritterim.com/blog/the-part-d-sep-triggers-that-can-help-you-post-aep/ What Agents Can't Say During Medicare Sales Appointments: https://ritterim.com/blog/what-agents-cant-say-during-medicare-sales-appointments/   What Agents Forget to Do When Preparing for Appointments: https://link.chtbl.com/ASG6245   References:  “Apply for Medicare Part D Extra Help Program.” SSA.Gov, Social Security Administration, www.ssa.gov/medicare/part-d-extra-help. Accessed 25 Oct. 2024. “Extra Help with Medicare Prescription Drug Plan Costs, Social Security.” SSA.Gov, Social Security Administration, secure.ssa.gov/i1020/Ee001View.action. Accessed 25 Oct. 2024. “Guide to Consumer Mailings from CMS, Social Security, and Plans in 2024/2025.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/prescription-drug-coverage/limitedincomeandresources/downloads/consumer-mailings.pdf. Accessed 25 Oct. 2024. “Low Income Subsidy for Medicare Prescription Drug Coverage.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/medicare/enrollment-renewal/part-d-plans/low-income-subsidy. Accessed 25 Oct. 2024. “Medicare Savings Programs Eligibility and Coverage.” NCOA.Org, National Council on Aging, 27 Feb. 2024, www.ncoa.org/article/medicare-savings-programs-eligibility-coverage/. “News and General Resources.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/inflation-reduction-act-and-medicare/resources-0. Accessed 25 Oct. 2024. “State Health Insurance Assistance Program (SHIP).” Shiphelp.Org, State Health Insurance Assistance Program, www.shiphelp.org/. Accessed 25 Oct. 2024. “Supplemental Security Income (SSI).” SSA.Gov, Social Security Administration, www.ssa.gov/ssi. Accessed 25 Oct. 2024. “Understanding the Extra Help with Your Medicare Prescription Drug Plan.” SSA.Gov, Social Security Administration, 1 Feb. 2024, www.ssa.gov/pubs/EN-05-10508.pdf.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

UBC News World
Ensure Your Aging Loved One Has Some Extra Help For The Chaotic Holiday Season

UBC News World

Play Episode Listen Later Sep 25, 2024 3:21


Senior Helpers Lemay is a home healthcare service company that provides extra help with daily tasks and chores from friendly, compassionate care professionals to seniors who need an extra hand but still want to live in their homes and stay as independent as possible. Senior Helpers - Fort Collins City: Fort Collins Address: 2201 South Lemay Avenue Website: https://www.seniorhelpers.com Phone: +1 970 344 9698

Terry Talks Nutrition Radio Show
Extra help during menopause!

Terry Talks Nutrition Radio Show

Play Episode Listen Later Sep 22, 2024 51:30


50-80% of women experiencing menopause symptoms want relief WITHOUT using HRT.  You CAN stop hot flashes and other menopause symptoms without the risk of adverse effects associated with HRT! Find out how right here! And don't miss the following topics that Terry will also discuss on this show: Menopause The Proper Time to Take Melatonin I Say No to Seed Oil Curcumin for Preventing Diabetes-Related Heart Disease Stress Affects Men and Women Differently

menopause hrt extra help
De Carend Podcast
[Extra] Help er komt (g)een hospice in Bloemendaal?!

De Carend Podcast

Play Episode Listen Later Aug 30, 2024 12:01


In deze extra aflevering gaan we in op de actualiteiten over het potentiële hospice in Bloemendaal. Gemeente en zorginstellingen waren enthousiast, maar de buurtbewoners minder. Zij dreigden met eindeloze procedures. En met succes, het hospice komt er niet. Waar komt deze angst vandaan? En waarom zijn hospices zo belangrijk? Sander reageert voor het eerst over de commotie en de terugtrekking van het hospice. Schrijf je in voor de lezing in Haarlem via deze link

KQED’s Forum
When Elderly Loved Ones Need Extra Help

KQED’s Forum

Play Episode Listen Later Aug 5, 2024 57:44


When an elderly loved one starts to show signs they're having trouble living independently, initiating conversations about elder care can be challenging. We talk to gerontologist Dr. Louise Aronson about how to broach sensitive topics like giving up driving, accepting in-home assistance or transitioning to a care facility. And we'll hear from you: how have you navigated conversations about elder care with a parent or loved one? Or if you're an older individual, how have you advocated for yourself? Guests: Louise Aronson, geriatrician and professor of medicine, University of California, San Francisco; author of "Elderhood: Redefining Aging, Transforming Medicine, Reimagining Life"

Daily Emunah Podcast - Daily Emunah By Rabbi David Ashear

For a 20% discount on Rabbi Ashear's new book on parnassah click the link below https://www.artscroll.com/ Books/9781422640708.html The pasuk says in this week's parashah Bechukotai that if the Jewish people are following the mitzvot properly, then when they go to war, five of us will pursue a hundred of our enemies and a hundred of us will pursue ten thousand enemies. Rashi asks, to conform to the ratio here of five pursuing a hundred, which is one to twenty, it should have said that a hundred will pursue two thousand. Why does it say that a hundred will pursue ten thousand? Rashi answers, you can't compare the zechut of many people following the Torah to a few people following it. The zechut of the many is exponentially greater than the zechut of the few. This example of war is just one of the many places where we see that things happen in this world based on our zechuyot . The more zechuyot we have, the more Heavenly help we get. People who know this are constantly looking for more ways to gain zechuyot . A man told me about six months ago, the doctor saw something of concern in his wife and ordered a retest for this past week. The test was on Tuesday and so he and his wife read the entire Tehillim on Sunday, and then he asked Hashem to please send him an opportunity to get the zechut he needs for everything to be okay with his wife. The next day, on Monday afternoon, a rosh yeshiva came to his office for the first time in his life. He brought his son with him, explaining a very important project that he was working on and asked if he would be interested in partnering with him financially to benefit Klal Yisrael. The man was so happy to get this opportunity. He understood it was sent by Hashem and he agreed to help them. Baruch Hashem, the next day, his wife was declared completely healthy. A rabbi told me, recently his wife's cell phone broke and was completely irreparable. She asked the man in the store if he could at least get her contacts off it. The man said with the issue on her phone it would take a miracle to get the contacts off, but if she wanted, she could pay twenty dollars and leave it there and he would try it. She really needed the contacts, so she said okay. The next day, her husband, the Rabbi, spotted a cell phone in the corner of the coatroom in his yeshiva. It was covered in dust and looked like it had been there for a long time. He saw it as an opportunity to get a zechut and find its owner. He picked up the phone and spent time trying to track down the owner based on the contacts. He finally got in touch with the owner's brother who gave him the number of his wife. When he called the wife's phone and told her he found her husband's phone, she immediately called her husband with excitement and said, “Baruch Hashem, someone found your phone.” It had been lost since before Pesach and because a new phone was so expensive, they were holding out hoping someone would find it. The Rabbi got the zechut of helping someone else with their phone and later that evening, the phone store called and said, it was a miracle, they managed to get all his wife's contacts off her phone. Many times, Hashem wants to give us extra help and the way He does it is by first presenting us with an opportunity to gain the zechut we need. Whether we get something out of it or not, we should always be looking to gain as many zechuyot as possible. Shabbat Shalom.

Hamilton County Ohio Social Service News
Extra Help with Medicare Prescription Drug Costs

Hamilton County Ohio Social Service News

Play Episode Listen Later Mar 7, 2024


There's a Medicare “Extra Help” program provided by the Social Security Administration which helps with prescription drug costs. The program helps low income individuals pay their Medicare prescription (Part D) drug coverage, like premiums, deductibles, coinsurance, and other costs. Everyone who qualifies for the Extra Help program will pay: $0 Read More Shared by United Resource Connection March 7, 2024

Our Safe Harbor Church Podcast
Sunday Sermon: The Community of God - Extra Help In A Broken World

Our Safe Harbor Church Podcast

Play Episode Listen Later Feb 12, 2024 34:29


ROBIN HOOD RADIO ON DEMAND AUDIO
AgriCulture: For Those Who Need a Little Extra Help

ROBIN HOOD RADIO ON DEMAND AUDIO

Play Episode Listen Later Feb 8, 2024 6:30


 TURKANA FARMS, LLCGreen E-Market Bulletin February 4, 2024Nilufer waits for a lift Photo by Mark ScherzerFor Those Who Need a Little Extra HelpHi all, Mark here.I have a bothersome earworm. In my case, it's not a song, but a radio... Read More ›

agriculture extra help
AGRICULTURE
AgriCulture: For Those Who Need a Little Extra Help

AGRICULTURE

Play Episode Listen Later Feb 7, 2024 6:30


 TURKANA FARMS, LLCGreen E-Market Bulletin February 4, 2024Nilufer waits for a lift Photo by Mark ScherzerFor Those Who Need a Little Extra HelpHi all, Mark here.I have a bothersome earworm. In my case, it's not a song, but a radio... Read More ›

agriculture extra help
Chris & The Crew
No Shave Season & Extra Help

Chris & The Crew

Play Episode Listen Later Jan 25, 2024 36:11


How long do you go during the winter without taking an "everything shower"? Ben and Ava were in Crew's Court because he thinks they need too hire some help around the house! & more

court shave extra help
UBC News World
Seniors Can Receive Extra Help And Care For The Upcoming Busy Holiday Season

UBC News World

Play Episode Listen Later Oct 24, 2023 3:16


Senior Helpers Loveland is a company located in Loveland, Colorado that provides quality in-home care to the senior population that might need some extra help at home. Senior Helpers - Loveland City: Loveland Address: 201 E 4th St Website https://www.seniorhelpers.com/co/fort-collins/ Phone +1 970 658 8228 Email Gil@seniorhelpers.com

The Weekly Tradecast by UNCTAD
57. Key to progress: Why landlocked countries need extra help with trade and development challenges

The Weekly Tradecast by UNCTAD

Play Episode Listen Later Aug 3, 2023 10:29


This episode of the Weekly Tradecast looks at the unique challenges for landlocked countries that impede their trade and development with UNCTAD senior economist Mussie Delelegn. There are 32 developing countries without access to the sea, leaving them with far higher bills to import and export goods by road and rail. In many places, poor infrastructure and border bureaucracy add time, cost and complication.  These extra demands put even more pressure on vulnerable economies being hit by higher costs of food, energy and debt.  Tune in to UNCTAD's Mussie Delelegn to find the key to unlocking better prospects for trade and development in landlocked countries.

The Jaded Mechanic Podcast
The Power of Collaboration and Learning in the Automotive Industry: A Discussion with Jesse Sammons

The Jaded Mechanic Podcast

Play Episode Listen Later Jul 25, 2023 98:48


In this episode of the Jaded Mechanic podcast, Jeff is joined by guest Jesse Sammons. They discuss the nerves and self-doubt that can come with being surrounded by impressive individuals in the automotive repair industry. Jeff shares his tactic of surrounding himself with smarter people and how it has benefited his career.We discuss a positive work environment for their employees, drawing from their own negative experiences in previous workplaces, and fostering a growth-minded culture where individuals not only enjoy their work but also find fulfillment in their interactions with colleagues.Additionally, we disucss establishing a space where individuals can enhance their skills and grow professionally and the importance of employees improving their abilities, as this will enable the business to offer higher compensation. The main objective? Cultivate a better work environment and provide learning opportunities, ultimately fostering a positive and growth-oriented culture within our businesses.During the episode, the Jesse reveals that one of their motivations for starting his own business was to enhance the customer experience. He observed numerous instances of poor customer service, lack of transparency, and neglect of minor details, resulting in negative experiences for customers. His aim is to address these issues by ensuring accurate information, professionalism, and transparency in his service.Furthermore, Jesse acknowledges the challenges faced by the industry as a whole, such as rapid technological advancements and a shortage of skilled professionals. They recognize that other industry experts possess valuable knowledge and experience in navigating these challenges. Jesse emphasizes the importance of communication and collaboration among professionals to overcome these obstacles and enhance the overall customer experience.Overall, the episode highlights the speaker's commitment to improving the customer experience and addressing common industry problems. They believe that through transparency, professionalism, and mutual support, professionals in the industry can bring about positive change and provide superior services to customers.In this episode, we underscore the significance of collaboration and learning from others as a means to improve and achieve success. They emphasize that other businesses in the industry are not competitors, but rather have their own customer base, clients, and unique approaches. And by assisting one another and drawing from each other's experiences, individuals can learn and reach their full potential. Moreover, when everyone in the industry recognizes the value of collaboration and learning from others, the industry as a whole can undergo a positive transformation.Tune in for an insightful conversation about personal growth and finding your place in the industry.

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Get Your Shoot Together Photography Podcast
Episode 155 - A Little Extra Help

Get Your Shoot Together Photography Podcast

Play Episode Listen Later Jun 22, 2023 35:51


We talk all the time about self care, but it's not just getting pampered or finding time to read. Self Care is caring for your mental health too. This week we talk when our limits are reached. It's OK to ask for help! Tune in! This week's episode is sponsored by Retouch Up! Sign up for your free account at www.retouchup.com and use the coupon code GYST10 to receive $10 off your service!

self care extra help
Good Morning Gwinnett Podcast
Elementary Students Will Get Extra Help From Innovation Grant

Good Morning Gwinnett Podcast

Play Episode Listen Later Apr 13, 2023 43:16


https://www.GoodMorningGwinnett.com Listen to the show Monday-Thursday at 10am. Learn all about people and places around Gwinnett County. Hey if you're enjoying the show, horoscope & morning inspiration, help me keep up the good feelings by buying me a cup of coffee. Just click the link below. https://www.buymeacoffee.com/AudreyBK_________________________________________________The Georgia Foundation for Public Education has awarded a prestigious innovation pilot grant to the Georgia Gwinnett College Foundation in support of math tutoring for elementary school students in need of targeted support.The Innovative Education Fund Prototype Grant was awarded over one year to pilot an innovative education program that “has the potential to impact student outcomes and transform teaching and learning practices at the school or district.”SOURCE:www.GwinnettDailyPost.com

Deep Healing for Creative Entrepreneurs -Conquer Burnout, Imposter Syndrome, and Unleash Your Artistic Potential”

Join us for a free 5 Day Love Yourself Challenge   Hey there! Today I wanted to explore some ways to recognize that you may need some outside help with your emotions. While these are 3 different signs, you may experience all three at different stages in life so it's super important to evaluate where you are and if something needs to change.    My name is Aubrey and I am an intuitive Coach and healer. For the last 15 years, I have been working one-on-one with my clients to reach their ultimate potential. And I ran a photography business for the last 8 years as well. My combined work of being a Reiki Master, Subconscious Release Technique Practitioner and a creative entrepreneur has taught me so much about our thoughts impact every aspect of life and I want to share it all with you.  Because you know what, I've been there. But at some point, I stopped letting life happen to me, and I created the life that I knew I deserved all along.   Join me weekly as I dive into the most common thought patterns that show up in our industry and give you practical solutions to release them never to bother you again. Imagine a life with less stress and free from everyday triggers.   Join the FB community - https://www.facebook.com/groups/groundedwithaubrey   Deep Healing for the Creative Soul Course- https://abstoryteller.com/intuitive-coach  

Building Scale
Meg Tidd is Building Scale by Focusing on Community, Sustainability, and Investing in People at VIP Structures

Building Scale

Play Episode Listen Later Apr 4, 2023 62:41


Attention all architecture, engineering, and construction (AEC) professionals! Are you struggling to scale your business? Look no further than the Building Scale podcast. Our latest episode features an insightful interview with Meg Tidd, CEO of VIP Structures, who shares her unique approach to bringing design and construction together under one roof. With a focus on people, process, and technology, Meg, Justin, and Will discuss the importance of aligning with partners who share your beliefs, creating long-term job opportunities for underserved communities, and taking care of oneself first. Meg also emphasizes the need for small intentional changes that can have a profound impact on the community and the environment. With COVID-19 forcing companies to adapt, Meg shares her experience transitioning to a work-from-home model and the challenges of scaling a business while prioritizing operations and infrastructure. Don't miss out on the valuable insights shared in this episode.Tune into the Building Scale podcast and start scaling your business today!- The Building Scale podcast focuses on how successful AEC companies scale their businesses using people, process, and technology.- The podcast features an interview with Meg Tidd, the CEO of VIP Structures, which offers a unique approach to building by bringing design and construction together under one roof.- VIP Structures aims to bring an owner's perspective to projects and make suggestions to clients and is committed to giving back to the community through volunteering and donations.- The company is focusing on creating long-term job opportunities for minorities, women-owned services, able veteran companies, startup companies, and other companies that they want to mentor.- The podcast discusses the importance of paying attention to the whole person, rather than just focusing on business growth, and making small intentional decisions on design projects that have a profound impact on the community.- Meg emphasizes the need for cost-effective and efficient tweaks that can significantly impact the surrounding community and the importance of celebrating differences in companies and individuals.- The podcast also discusses the challenges of scaling a business and hitting a ceiling when sales are prioritized over operations and infrastructure, the impact of the COVID-19 pandemic on a business, and the transition to working from home.- The importance of investing in people and leveraging technology is emphasized, as well as the need for a more cohesive approach in the building industry.- The podcast also explores the concept of scale and its importance in various aspects of life, emphasizing the significance of identifying the right solution for a particular problem or situation. Connect with Meg - Website - https://www.vipstructures.com/LinkedIn - https://www.linkedin.com/in/megtidd/Email - mtidd@vipstructures.comConnect with the Justin & Will -Will's LinkedIn: https://www.linkedin.com/in/willforet/Justin's LinkedIn: https://www.linkedin.com/in/justneagle/Learn More & Connect With Spot Migration - Website: https://www.spotmigration.com LinkedIn: https://www.linkedin.com/company/spot-migrationFacebook: https://www.facebook.com/spotmigrationYoutube: https://www.youtube.com/c/Spotmigration

Education - VOA Learning English
Many Students Need Extra Help, But Few Seem to Be Getting It - March 13, 2023

Education - VOA Learning English

Play Episode Listen Later Mar 13, 2023 5:32


students extra help
AP Audio Stories
US ending extra help for groceries that started during COVID

AP Audio Stories

Play Episode Listen Later Feb 23, 2023 0:55


AP correspondent Ed Donahue on Food Stamps.

Change Insurance
How an Agency Owner Can Find Extra Help to Unlock Full Potential

Change Insurance

Play Episode Listen Later Feb 1, 2023 20:40


If it's available why not do everything you can to take it?  Maybe the only thing standing in your way is knowing what questions to ask.  Most of the time, it's not even the quality of the question that is the problem; it's simply having the courage to ask in the first place.  When you do, your agency is open to an entirely different level of progress.  Ashley DeCarteret, President of Harbor Brenn Insurance Agency, talks about her journey finding those answers. 

The Friend
A Little Extra Help

The Friend

Play Episode Listen Later Nov 1, 2022


A Little Extra Help

extra help
Amigos
A Little Extra Help

Amigos

Play Episode Listen Later Nov 1, 2022


A Little Extra Help

extra help
Burns & Gambo Podcasts
Burns and Gambo: What parts of the Arizona Cardinals roster needs extra help

Burns & Gambo Podcasts

Play Episode Listen Later Aug 27, 2022 38:09


Gambo and Tim Ring, in for Burns, look at the weak spots on the Arizona Cardinals' roster ahead of the final preseason game. How will they look to address those improvements?See omnystudio.com/listener for privacy information.

Maximizing Medicare with Paul Sheldon

Paul shares about Extra Help and how you can take advantage of it. Plus more real life examples.

extra help
Maximize Your Medicare Podcast
Medicare Financial Assistance | Public Service Announcement

Maximize Your Medicare Podcast

Play Episode Listen Later Jun 9, 2022 10:29


Medicare Financial Assistance | Public Service Announcement Medicare Financial Assistance | Public Service Announcement New York Times article reveals a stunning fact about Medicare Savings Programs and Extra Help, financial aid to Medicare beneficiaries. Link to article: https://www.nytimes.com/2022/05/20/business/medicare-retirement-health-care.html?smid=tw-share CONNECT:

Seniors Living Healthy
Medicare Part A, B and D

Seniors Living Healthy

Play Episode Listen Later Jun 3, 2022 28:14


Show Notes 00:00 Introduction 00:22 Medicare part A 06:39 Medicare part B 15:35 Medicare part D Links Referenced: medicare.gov: https://medicare.gov Zach's email: mailto:zach@getsbi.com Nick's email: mailto:nick@getsbi.com Facebook: https://www.facebook.com/seniorbenefitinc Webpage: https://seniors-livinghealthy.com/ TranscriptAnnouncer: Welcome to our fireside chat with Seniors Living Healthy, the podcast that helps prepare and educate you as you enter and live out your golden years. With over 10 years of experience, Nick and Zach are experts in the senior market and are here to help you live a healthy, full life. And now fireside with your hosts, Nick Keene, and Zach Haire.Nick: Hello, and welcome to season two of Seniors Living Healthy, episode one. I'm Nick. And I have Zach, our co-host with us.Zach: Hey, folks.Nick: And for episode one of season two, we want to cover parts A, B, and D of Medicare, and the changes for 2022. So Zach, let's jump right in.Zach: Sounds good. So, kind of start off there from the top, Part A, just like in the alphabet, starting out with the first letter there, you know, that is our hospitalization, sir. You know, Nick, what are some common things that Part A covers?Nick: Yeah, so Part A kicks in when individuals are admitted to the hospital. It's worth mentioning, Zach, that they're admitted because we are seeing more commonly that people are being put in the hospital under observation. And that is actually covered under Part B. So, very simply, anytime someone is admitted to the hospital, not under observation, Part A kicks in.Zach: Got you. So, let's say, you know, I'm getting ready to turn 65 in a few months. I'm still working things like that, how do I get Part A? What do I have to do to qualify for it?Nick: Great question, Zach. We do get this question quite frequently. So, the most common way to qualify for Medicare is those individuals that have worked 40 quarters or ten years and paid into Medicare via payroll taxes, right? Those individuals get Medicare the month of their 65th birthday.Zach: Got you. So, no matter what, they're going to get Part A. I know you said you paid into it while you're working. Is there any additional costs added to that?Nick: Right. So, great question there, Zach, and worth mentioning here as well. For those individuals that qualify traditionally for Medicare, they worked 40 quarters, ten years, and paid in, Part A is premium-free, think of it as prepaid. But also you have those individuals that may qualify based on their spouse's, right? Their spouses may have worked 40 quarters or ten years, they also qualify for Medicare Part A the month of their 65th birthday.Then the third situation, there is a cost. And those individuals that don't have a spouse that qualifies for Medicare they can draw off of and don't have the credits themselves, depending on how much they have worked and paid in, Part A can be purchased.Zach: Yeah. So, you do still have the ability to get Part A, if you don't ‘qualify', you can always pay for that and pick it up.Nick: Absolutely.Zach: So, we know that in most cases, there's no additional premium; you've paid into it as you were working. Are there any other, you know, common costs associated with using Part A, whether it be a deductible, whether it be you know, skilled facility care, things such as that?Nick: Absolutely. So, yeah. So, basically with Part A, the way it works is it's designed with what we call a Medicare period of care, right? So, when those individuals that have Part A are admitted to the hospital, they are immediately responsible for a $1,556 deductible in the year 2022 that covers their first 60 days in their period of care, right? So, for those individuals, they go in, they pay that $1556 deductible, they're covered for the first 60 days, right?But it's worth mentioning that if they go beyond day 60 they do have additional cost, right? And that period of care doesn't end until they go a continuous 60 days without accessing care under Part A. So, assuming their period of care extends, day 61 through 90, those individuals are going to be responsible for $389 a day that they're in the hospital, and day 91 and beyond using those 60 lifetime reserve days, they're going to be responsible for $778 a day. You know, and the other thing to touch on here, Zach, that you mentioned is skilled facility care, right? So, we've seen a major transition in our market over the last five to ten years.You can recall when we were little, people had extended stays in the hospital, you know, people were in their one, two, four, six months. That doesn't happen really anymore, right? What we're seeing, the trend is individuals are being admitted to the hospital, they're being stabilized, and they're being shipped off to skilled facility care centers, right? And you know, whether that's for a hip replacement or a knee replacement, they fell and they broke something, speech, occupational therapy, whatever it may be, these individuals are staying at the skilled facility care centers for extended periods of time, not in the hospital. So, to qualify for Medicare to cover skilled facility care, they have to be in the hospital for at least three days and be admitted to the skilled facility care center within 30 days of being discharged. If those criteria are met, Medicare will cover day 1 through 20, one hundred percent, and then day 21 through 100, the individual is responsible for $194.50 per day.Zach: Got you there. So, you know, once someone is on Part A [everything 00:05:16], is there any limits where they can go, networks, anything like that?Nick: Yeah, one of the beauties of Medicare, Zach, and you know, we tell clients this all the time is Medicare's a nationwide program, right? California, North Carolina, Michigan, to Florida, and everywhere in between. They can access care, right? And that's one of the great things about Medicare is almost all facilities, almost all doctor's office accept Medicare. So, they have no restrictions, they can go just about anywhere they want.Zach: Got you. So, kind of wrapping up Part A there is, anyone can get that as long as you've worked 40 quarters or your spouse has worked 40 quarters. You're able to get that the month you turn 65, the first day of the month.Nick: Absolutely.Zach: And no matter whether you're continuing working or what you've got Part A?Nick: Yep.Zach: And with Part A alone, there was a $1,556 deductible on that they'd be responsible for but then, you know, it does help you in the skilled facility care things such as that, along with your 60-day continuous window of care. And again, no network so you can go wherever you want to go if you've got that Part A; pretty much every hospital, I'd say, in America takes Medicare.Nick: Absolutely, Zach. And just to wrap up on Part A, you know, one of the things that people need to remember is Part A is just hospital admittance insurance. Most of your typical services that are everyday needs are happening on outpatient care, or Part B, which we will be covering shortly.Zach: All right, so now we're going to roll into Part B, again, following our alphabet here, B comes right after A. So B, if you look at your red, white, and blue Medicare card, it is going to say medical, but we refer to it as outpatient.Nick: Absolutely, yeah. Yeah. And, you know, we try to eliminate confusion there because the Medicare card says ‘hospital' for Part A and ‘medical' for Part B, but we kind of feel both of those are medical, right? So, we like to explain Part B as anything that is outpatient care, or care that is not admitted into the hospital.Zach: Exactly, yeah. So, kind of got that cleared up. What exactly does it cover when it comes to different things?Nick: Yeah. So, Part B is by far the most common Medicare part, right? It's the most common used, and it literally covers any Medicare-approved charge outside of being admitted to the hospital, right? So, that could be hospital admittance under observation, that could be lab work, physical therapy, CAT scans, MRIs, doctor visits, primary care, or specialists, durable medical equipment, diabetic testing supplies, all those things encompass Part B.Zach: So, we know in Part A you get that automatically when you turn 65. Part B work the same way, or is there a few more hoops to jump through for that?Nick: Yes. So, for Part B, you know, that individual that qualifies for Medicare, either off their work experience or off of a spouse's work experience, they still are eligible to get Part B the month of their 65th birthday, right? However, with Part B, there is a premium, so Medicare does allow it to be elective.Zach: So, with it being elective, how does that situation play out? Do I have to take Part B when I turned 65? If I have creditable coverage, am I fine? You know, if I don't take am I going to get penalized? How does that work?Nick: Yeah, so we're seeing this question come across our desk more and more, Zach. It seems like in this day and age, more and more people are working post-65. We didn't run into this a lot five years ago. But basically, the way it's working is for those individuals that are Medicare-eligible, turning 65, they qualify for Medicare, they can still take Part B the month of their 65th birthday, but if they're still working and have credible coverage, right, which is defined as coverage, at least equivalent to Medicare, they do not have to take Part B. They can postpone it without penalty, assuming they have credible coverage.Zach: Got you. So, you said, you know, 2022, that average premium is $170.10.Nick: Yep.Zach: Which leads you to say if that's the average, there can be some outliers. Is there a way to make that cost lower?Nick: Yeah. So, you know, for a lot of individuals out there, they qualify for what's called Medicare Savings Programs, right? And we know those different programs, whether that's QMB, SLMB, Extra Help those types of things, those programs are designed to reduce or eliminate the premiums, deductibles, and copays associated with Part B, right? So, there are individuals that pay less, there are individuals that pay nothing if they qualify for those Medicare Savings Programs. And it's worth mentioning, to qualify for those programs, you need to reach out to Medicare, the Social Security office that goes through them.Zach: I'd be willing to bet it works the other way, too. I bet they can get a multiplier on you also.Nick: Yep, yep. So, what we see—you know, and once again, we're seeing it more and more as people are coming out of the workforce later in life—those individuals have what's called an IRMA, right, Income-Related Medicare Adjustment. So, if you have income levels above certain thresholds, Medicare is actually going to charge a multiplier, right, you're going to pay more than that $170.10 in 2022. medicare.gov is a great resource, they have the chart right there on the website, showing what those brackets are to get higher Part B costs.So, we certainly encourage people that think they may fall into that bracket, get on medicare.gov, reach out to us, you know, we can ask a couple questions and tell them what they would be looking at.Zach: Got you. So, kind of how we're on the cost of Part B—Nick: Sure.Zach: You know, if someone doesn't have credible coverage and they don't take Part B, then down the road they take Part B, what kind of penalty are they looking at?Nick: Yeah, so the government is penalizing those individuals that don't have Medicare and don't have credible coverage, right? And the penalty that they impose is 10% of the cost of Part B, per full year not covered either via Part B or creditable coverage, right? And it's worth mentioning, if they try to apply for Part B down the road, they're still going to pay that standard premium, they're going to pay that penalty on top of it, and unless they qualify for one of those Medicare Savings Programs like we were talking about, that's never going away.Zach: Yep so looking there, at you know—there are different times to enroll, in that, you know, when people do turn 65, a lot of times they take A and B at the same time.Nick: Yep.Zach: You can delay Part B, as we've talked about. What are those—that situation look like? If someone delays Part B, does that vary from when they turn 65?Nick: Absolutely. So, for individuals that are taking Original Medicare when they're turning 65, those individuals, you know, they get it the month of their 65th birthday. But for those individuals that are delaying Medicare, right, there's two different groups that it's worth mentioning here. For those people that have credible coverage that are still working, you know, they can take Part B anytime concurrent with their loss of coverage, or retirement, right, they have what's called a special election period. But the thing to mention is for those individuals that delay Part B that don't have credible coverage, they can only apply for Part B at certain times throughout the year, right?And that's what's called the general election period. Zach, right? And basically what that is a period from January 1st through March 31st each year that they can apply for Medicare Part B to go into effect 7/1 of that year.Zach: Right. So, you know, kind of look at you have your annual enrollment period, which is every year, October 15th, December 7th, which doesn't really play into this, but then you have your initial enrollment, which people might hear a lot about when they first turned 65, or take their Part B of Medicare. So, looking at, you know, we've kind of we've gone over what the premium can be as well as what possibly the penalty could be. As a whole, what does Part B have? What is it going to cover? What's going to be your out-of-pocket with that?Nick: Yeah, so you know, back to what we kind of mentioned earlier, just to kind of recap this is, Part B is going to cover anything that's not admitted into the hospital, right? So, you know, once again, that's hospitalization under observation; CAT scans; MRIs; lab work; physical therapy; doctor's visits, whether primary care or specialists; diabetic testing supplies; durable medical equipment. And the way Part B is designed, it's an 80/20 coinsurance, right? So, Medicare's covering 80%, the client is responsible for the remaining 20%, plus the Part B deductible, which is, in the year 2022, $233, right? So, it's worth mentioning here—and we tell this to people all the time, this is why we encourage people to get supplemental policies—that 20% that we speak of is uncapped.Now, if you're going to the doctor once a year, that's not a big deal, right? But if you're going through cancer treatments, if you're going through some sort of outpatient surgery, you got to pay 20% of all of that cost, which certainly leaves people with some exposure, right?Zach: Got you. So, you know, no max out of pocket; you know, you're going to keep paying that 20—Nick: Absolutely.Zach: —until—and again, Part B is very similar to Part A, there's no networks.Nick: Absolutely.Zach: They take Medicare, they're going to take in. As long as you may have been doing this, I don't think I've ran into a doctor's office that doesn't take Medicare, yet.Nick: Yeah. In ten years, I've ran into one facility that didn't accept Medicare.Zach: Yep. So, kind of wrapping up Part B there. Know no, it is, in a sense, elective; when you turn 65 or retire from work losing credible coverage, you can pick up Part B at that time. If you don't pick up Part B without credible coverage, they are going to give you a nice little permanent penalty to add onto that, which for 2022 is $170.10. Probably going to see an increase in that down the road.Nick: Mm-hm. Absolutely.Zach: It's going to cover everything for you 80/20, whether that be durable medical equipment, diabetic testing, outpatient surgery, or anything like that. But that 20% is not going to be capped.Nick: Yep, absolutely.Zach: All right. And kind of moving on down the line. Here we've done A, we've done B. We're going to skip over C, so we're going to hit in Part D of Medicare. Easy to remember what it covers because covers your drugs. Part D: Drugs, easy to keep up with there. So, we have talked about, you know, in Part A and Part B, how you get it, what you qualify for. How does that work with Part D?Nick: Yes, so Part D, you know, it's worth mentioning, Unlike Supplemental Coverage, or Medicare Advantage coverage, which we will be covering in next episode, With Part D, the individual only has to have a minimum of Part A or B of Medicare, although most people have A and B, right? But it's worth noting for those individuals that are still working that are delaying Part B, just having Part A is enough to purchase Part D. And it's also worth mentioning, you have to live in the plan's service area, right? Part D drug plans are network-based, so you have to have a minimum of A and/or B, and live in the plan's service area to purchase a drug plan it.Zach: So, also we've talked about cost. When it comes to cost, A and B for the most part, are standardized. Is Part D the same way, or you know, what is its cost?Nick: Yes. So, one of the things that, you know, we're always telling people as we're speaking with them is all prescription drug plans are different, right? And, you know, we see drug plans anywhere from $6.50 a month in premium in the year 2022 All the way north of $100 a month, right? And, you know, it's like we say, if one plan was the best for everybody, right, they would put the rest out of the business.So, as far as costs, it certainly has a wide range, and that all depends on what the scripts, what medications those individuals are taking, right? But it's also worth mentioning, just like Part B of Medicare, right? Medicare Savings Programs can cover some or all of the costs of the drug plans and can also either reduce or completely eliminate the cost of those medications people are taking as well, right? So, it can come down. And it's also worth mentioning, IRMA coming back into play here, right, that Income-Related Medicare Adjustment, for those individuals that are higher-level earners, right, they have a multiplier on that Part D premium, so they would pay that multiplier on top of the standard premium for Part D.Zach: Pretty easy to see why Part D is the most complicated part of our job—Nick: Absolutely.Zach: When it comes there. So, you know, kind of covered, premiums are going to vary, and then on top of that you could get help through Medicare, or you could get a multiplier on Medicare there. So, what does it take to qualify for Part D? I know you said yet to have Part A and/or Part B, one or the other, but what if I'm-you know, what, if I'm in that boat where I'm still working? Do I have to take Part D if I have Part A, or can I forgo it?Nick: Yeah. So, very similar to Part B, Part D is elective right? Now, you have to have credible coverage to not be penalized, but you can delay it. So, if you're 65, you're becoming Medicare eligible, you're still working, or maybe you're retired and you're still carrying group insurance, you don't have to take a drug plan as long as your coverage is credible. And once again, credible [unintelligible 00:18:59] coverage is defined as coverage at least equivalent to Medicare's basic coverage, right?So, for those individuals that are still working, they are not needing Medicare Part D, they will not be penalized for not taking a Medicare prescription drug plan.Zach: So, you said they—you know, if they have credible coverage, they're not going to be penalized, which therefore means there's a penalty.Nick: Yep.Zach: What is that penalty?Nick: Yeah. So, it's a little bit different than the way Part B works. So, for Part D, the average cost of a per prescription drug plan in 2022 is approximately $34. So, every full month that they go without credible coverage, or coverage, they are going to be penalized 1% of that $34 premium in the year 2022, times the amount of full months they went without coverage. Now, it's worth noting that average premium costs switches year-to-year, right? We've watched that steadily creep up over the last few years.So, you know, it's very hard for us to be able to give people an exact penalty, what they would be looking at. Medicare is who's going to determine those, Medicare is who's going to issue those, so we can give people an idea, but ultimately that information has to come from Medicare, right?Zach: Got you there. So, you know, we know when you first turn 65 going into Medicare, you can get Part D, if you go that route.Nick: Yep.Zach: What if I've been 65 for a while and I get some new prescriptions, it's not covered well on my plan, when can I make changes to those?Nick: Yes. So, for those individuals that are new to Medicare, they're in that initial enrollment period, right? That window runs three months before their effective date up to three months after. Once that period ends, right, they're very limited in the ways that they can make changes, right, the most common is annual enrollment period, right? Anybody that's been in this business, knows anything about it, they get bombarded, you know, in that timeframe.But from October 15th through December 7th, those individuals can make changes, as many as they want, and when the sun goes down December 7th, the last application that was signed and turned in becomes effective 1/1, right? But now over the last few years, you know, Medicare introduced the Medicare Advantage open enrollment period, right, which is now running January 1st through March 31, and during that timeframe, individuals that are on Medicare Advantage plans can make a change to their drug coverage in two different forms, right? So, they can change from one Medicare Advantage plan to another Medicare Advantage plan, or if they so choose, they can drop Medicare Advantage back to Original Medicare and pick up a prescription drug plan. But outside of those two windows, Zach, the only other situation, typically, that we see people can make changes is they have a special election period, right? And in our business, what that means is, A, they're moving, right?In our area, we see people coming down from the north moving here, or maybe they're snowbirds, they're moving from here or the north down to Florida. Those individuals get a special election period because they're moving out of that plan's service area, right? And then the other caveat would be those individuals that are post-65 that are still working, that are still carrying group insurance, those individuals have a special election period when they retire and/or lose coverage that they can make a change to their drug coverage as well.Zach: So, kind of off that point, there are networks on these drug plans that does give you the ability to change if you do move because you would be out of your network service area—Nick: Absolutely.Zach: There. Yep. So, you know, we talk to people all the time, especially [AEP 00:22:44] about prescription plans. When you're talking to us, talking to your agent, whoever, when you're going through this, one, you know, what are some things you need to make sure you have handy to make our lives easier as an agent, but then what—tell them on our end what we're looking at, to help them make a decision?Nick: Yeah, so I'm going to answer that question backwards, Zach, okay? I'm going to answer your second question first, and we'll fire away on the second one. So, for those individuals that are looking, right, to get prescription drug coverage, there's several things that they need to understand about a plan, or at least grasp, right, to know why it is what we're doing, right? It's easy for us to recommend a solution, but we feel—I know, we've always discussed this—we feel that ultimately, you know, it's our job to educate people, but it is ultimately their decision, right?So, for us, you know, what we're looking at, you know, in the grand scheme here is overall cost, right? I mean, you know, that's what I want to know, what are these plans going to cost you, whether that's in the form of a premium, whether that's in the form of a deductible on your plan, whether that's in the form of the copays you pay to fill your script each year, we're looking at that aggregate annual cost, right? Now, as far as what we need to be effective as a tool for them in searching plans, you know, all plans are different, Zach, as we know. The premium is different, some plans have deductibles, some don't, some offers zero copay on tier one, tier two, some don't, right?So, what we ask of clients to be effective in this manner is we need a list of your prescriptions, we need to know the dosages of each one of your prescriptions, and then we ultimately need to know the frequency that you're taking them or filling them, and we have the ability to plug in and pull all options in their area and discuss those costs with them.Zach: Yeah, definitely. So, kind of wrapping up Part D, put a bow on it there. It is similar to B, it's elective—Nick: Sure.Zach: —in a sense. As long as you've got credible coverage elsewhere, you don't have to take Part D at the time you turn 65. As long as you have A or B, you are eligible for it. And plans vary. This is a plan that you definitely need to reach out to your agent, reach out to us—Nick: We'd prefer if it was us, Zach.Zach: Yeah. [laugh]. Oh, yeah. And so, you know—because they do vary so much by premium, deductibles, copays, networks, things like that, but they will cover your prescriptions; there are ways out there to work that.Nick: Yeah. Just to add, wrapping up here, Zach, you know, one of the things that we always preach to our agents and we always tell our clients is, this is the basics of everything that has to do with Medicare, right? So, we feel that these are important, people need to have a grasp of the way that Original Medicare and prescription drug coverage works before they're really ever going to have a chance, right, to know how that secondary or that Medicare Advantage plan works.So, as you're listening to this, we've kind of been generic, right? We're covering the highlights. For those individuals that have more questions that maybe have a specific question, you know, reach out to us, 844-437-4253. We're here, we're ready to answer your questions, and we'd certainly love to hear from you.Zach: All right, folks. So, this kind of wraps up episode one here. We covered Parts A, B, and D of Medicare. We hope that that helped you out there, answered some questions for you. We tried to cover some of the real basic questions we get on a daily basis.You know, but if you do have more questions or want more information, you know, ready to sign up and looking for help, we'd be more than happy to help. You know, as Nick stated earlier, you can always give us a call at 844-437-4253, or we can always be reached by email zach@getsbi.com or nick@getsbi.com. We hope you found this episode informational and helpful, and as always, we'll catch you guys next time.Announcer: Thank you for listening, and we hope you found this episode informative. If we answered your questions, odds are you aren't the only one wanting to know, so please share this episode with your friends and family. If you enjoyed this episode, please subscribe and rate our show on Apple Podcasts, or wherever you listen to podcasts to catch all of our episodes. If you want more information, or want to talk directly with Nick and Zach, you can call them at 1-844-437-4253. You can also find them on Facebook at facebook.com/seniorbenefitinc or on their website. seniors-livinghealthy.com. Thanks for listening, and have a great day.

Abundant Life Church - Springfield, MO
Need extra help? More Help is a blessing from God as Father

Abundant Life Church - Springfield, MO

Play Episode Listen Later Apr 18, 2022 13:26


ALC Recommends: "Could you not tarry one hour?" by Larry Lea “I will extol you, O Lord, for you have drawn me up and have not let my foes rejoice over me. O Lord my God, I cried to you for help, and you have healed me. O Lord, you have brought up my soul from Sheol; you restored me to life from among those who go down to the pit.” - Psalm 30:1-3 ESV

Cork's 96fm Opinion Line
PODCAST EXTRA - Help For Giving & Receiving Sex Education

Cork's 96fm Opinion Line

Play Episode Listen Later Mar 21, 2022 13:26


Grace Alice O'Shea talks to PJ Coogan about "Sex Educated" which is a one-stop guide to providing sex education that is positive, inclusive, thoughtful and without shame. sexualhealthwest.ie/product/sex-educated-by-grace-alice-oshea/ See acast.com/privacy for privacy and opt-out information.

sex education podcast extra giving receiving extra help
Cork's 96fm Opinion Line
PODCAST EXTRA - Help Me Get Vulnerable Ukrainian Women To Ireland

Cork's 96fm Opinion Line

Play Episode Listen Later Mar 10, 2022 6:19


Jonathan tells PJ about the plight of a car load of Ukrainian women he has decided to help and the GoFundMe he set up to help them settle.https://www.gofundme.com/f/ukraine-humanitarian-aid-evacuation-assistance See acast.com/privacy for privacy and opt-out information.

Cork's 96fm Opinion Line
PODCAST EXTRA - Help Patrycja, Aged 16, With Essentials For Ukraine

Cork's 96fm Opinion Line

Play Episode Listen Later Mar 1, 2022 7:08


Patrycja tells PJ how to contribute to her collection of essentials going to the Ukraine. See acast.com/privacy for privacy and opt-out information.

Cork's 96fm Opinion Line
PODCAST EXTRA - Help For Women To Return To Workforce

Cork's 96fm Opinion Line

Play Episode Listen Later Mar 1, 2022 6:29


PJ talks to Caroline Seacy about how Rejuvenate 2022 can help women return to the workforce.https://www.ucc.ie/en/food/rejuvenate2022/ See acast.com/privacy for privacy and opt-out information.

Cork's 96fm Opinion Line
PODCAST EXTRA - Help Find My Daughter's Horsebox

Cork's 96fm Opinion Line

Play Episode Listen Later Feb 22, 2022 9:01


PJ talks to James, about a missing horsebox important for his daughter who lives with ADHD and says once he gets it back there will be no comeback. See acast.com/privacy for privacy and opt-out information.

Cork's 96fm Opinion Line
PODCAST EXTRA - Help! How Do I Get Rid Of Ants???

Cork's 96fm Opinion Line

Play Episode Listen Later Feb 21, 2022 11:42


Susan tells PJ she's tried everything but nothing works to shift the ants. Have you any tips? See acast.com/privacy for privacy and opt-out information.

Extra Help with InsideSchools
Rebooting Extra Help and Launching the 2021-22 School Year | Season 2, Episode 1

Extra Help with InsideSchools

Play Episode Listen Later Sep 9, 2021 25:39


Extra Help is BACK! During this show, Tom, creator and host of Season 1 of Extra Help, and Tanishia, host of Season 2, discuss the intended function of Extra Help, its connection to the work of InsideSchools, and the goals for the new season. In addition, the two will discuss current news headlines that take us into the opening of schools for the 2021-22 school year. ------ RESOURCES TO SHARE: School Platform Inventory Homecoming 2021 Document WEBSITES TO SHARE: DOE Transportation Overview InsideSchools Family Welcome Centers ARTICLES TO SHARE: https://ny.chalkbeat.org/2021/8/26/22643726/nyc-quarantine-instruction-covid https://www.ny1.com/nyc/all-boroughs/education/2021/09/08/uft-president-slams-city-for-decision-to-cut-payroll-for-unvaccinated-staff-with-a-medical-exemption https://ny.chalkbeat.org/2021/9/8/22663061/nyc-teachers-union-negotiations-covid-vaccine-mandate

Your Personal Growth, Personal Brand Podcast
Kristen Fragnoli shows us that we all need a little extra help and lays out some criteria for picking your next coach

Your Personal Growth, Personal Brand Podcast

Play Episode Listen Later Sep 2, 2021 30:58


Kristen Fragnoli is a Life and Leadership Coach who specializes in working with emerging leaders who are looking to improve their performance, expand their impact, and become more joyful and balanced in their career and life.We talk about how each person can benefit from coaching, even if you "don't need it." And she shares some great insight into what to look for in a coach that can take your game to the next level.Rate the podcast on iTunesConnect with me on LinkedInConnect with me on Facebook

Extra Help with InsideSchools
Episode 30: Season Finale, and What Comes Next for Us All

Extra Help with InsideSchools

Play Episode Listen Later Jun 25, 2020 12:39


This week marks the end of the school year in New York City. And with the end of the school year comes the end of this season of Extra Help. In this episode, Tom Liam Lynch reflects briefly on the first season of the podcast, lay out all the unknowns facing NYC families with the new school year just two months away, and give a little glimpse into what is up next for InsideSchools. Resources: InsideSchools/CNYCA report on DOE response to Covid-19 via remote learning -- Please tell us what you think. We LOVE feedback. Here are a few of the main ways to reach us: InsideSchools, our flagship website // Our InsideSchools Facebook Page // Tweet, tweet: Over on Twitter // Sign up for our Weekly Newsletter // SUBMIT YOUR QUESTIONS via 60 second voice message

Extra Help with InsideSchools
Episode 16: The Saturday Letter Where the Mayor and Chancellor Commit to Families

Extra Help with InsideSchools

Play Episode Listen Later Apr 14, 2020 18:00


Dated a few days ago, the NYC mayor and schools chancellor published a letter. It included their commitments to families to help improve the quality of learning citywide in the wake of Covid-19. Not all families got the letter (and if you didn't, click here), but what it offers is heartening--and herculean. In this episode, Tom Liam Lynch shares the main points of the officials' letter and offers his insights on why their commitments are important, including what makes them hard to realize. NB: Tom also shares an update on the future of Extra Help. We are getting great feedback on the pod, and intend to continue bringing it to you each week. For details on what we have planned, listen toward the end of episode. ;) -- Please tell us what you think. We LOVE feedback. Here are a few of the main ways to reach us: InsideSchools, our flagship website // Our InsideSchools Facebook Page // Tweet, tweet: Over on Twitter // Sign up for our Weekly Newsletter // SEND US YOUR QUESTIONS via 60 second voice message

Second Date Update On The :10s Podcasts
Second Date Update: Extra Help (Thursday, 4/11)

Second Date Update On The :10s Podcasts

Play Episode Listen Later Apr 11, 2019 7:47


Katie is baffled as to why James won't call her back. She invited him over, they watched some Netflix, and then he just bounced. Let's find him and get the real story...See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

netflix extra help second date update