Navigating the Medicare Maze with Expert Jim Bodenner

Promised to be a fountain of knowledge for all things Medicare, our episode guest, Jim Bodenner, doesn't disappoint. An active member of The Villages, Jim's invaluable insights into Medicare plans will prove essential, whether you're new to the system or just looking to stay updated. We delve into the meaty differences between traditional Medicare and Medicare Advantage plans, and extensively discuss the pertinent questions to ask when comparing a Medicare supplement to an Advantage Plan. Jim also highlights how these plans have transformed over the years, and gives us an insight into the new Cadillac of Medicare - the G Plan.

We also get to explore the SHINE program and understand the implications of signing up for a Medicare Advantage plan at 65, with Jim highlighting some exceptions to the rule. And that's not all! Jim takes us through the commendable efforts by the National Retail Regulatory Legislative Network to reduce healthcare costs, including the capping of insulin costs and total out-of-pocket expenses. Plus, you'll want to take notes as Jim enlightens us with his "Plan for Life Checklist", an extensive guide to organizing life essentials that you won't want to miss. Join us for a riveting conversation on Medicare plans, life preparations, and much more!

Jim Bodenner is a retired attorney and Jim and his wife owned a longterm care business for 25 years.  Jim is a regular speaker for the NRLN which is a nonpartisan, nonprofit organization that advocates for issues that impact retirees.

Villages Vitality Listeners, I've got some good news for you. In season 8 most new episodes will released as both audio & video versions. Videos on Apple Podcasts, Busssprout.com and YouTube. If you're listening via our Buzzsprout feed, you can ask questions via the Fan Mail button or leave me comments as a text or in our new feature, you can send it as a voicemail. If you'd like a response, make sure you leave your name, email address and cell phone number.

Transcript

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Opinions on Medicare Plans

Emily 0:10

Welcome to the Open Forum in the Villages , florida podcast . In this show we talk to leaders in the community , leaders of clubs and interesting folks who live here in the villages to give perspectives of what is happening here in the villages . We hope to add a new episode most Fridays at 9am . We are a listener supported podcast . You can become a supporter for as little as $3 per month or you can choose to pay more . To become a supporter , go to openforminthevillagescom and click on support in the black box . There will be shoutouts for supporters in episodes . In season 4 , we have made some dramatic improvements and changes . First is a clarification of the podcast's title . It is open forum in the villages , florida , to make clear that this is a regional show , independently produced for folks who live in central Florida and the villages areas , and is a dramatic increase in the use of AI in the creation of each episode . In fact , the show's announcers are now all AI voices , including me , emily . Hope you enjoy .

Mike Roth 1:06

This is Mike Roth here on Open Forum in the Villages , florida . I'm here with Jim Bodner . Jim , thanks for joining me . Thanks , mike . Pleasure to be here . Jim , why don't you give our audience a little bit of information about your background before you came down here ?

Jim Bodenner 1:18

I moved to the villages . Mike and my wife and I have lived here in the villages now for about eight years , but we spent most of our adult life in Michigan . I'm a retired lawyer and my wife and I owned a long-term care business for 25 years . We've been down here eight years . We love the lifestyle here in the villages .

Mike Roth 1:35

And in the villages . What activities are you involved with ?

Jim Bodenner 1:38

Very active with a number of organizations . I'm the president of the villages chapter of the National Retiree Legislative Network . It's a nonpartisan , nonprofit organization that advocates for issues that impact retirees . I'm also a real active member of Rotary . We do a lot of work here in the community . I'm on the board of directors of Langley Health Services , which provides medical , dental and behavioral health care services to low-income folks here in Florida .

Mike Roth 2:04

Jim , why don't you tell us about your opinions about traditional Medicare versus the Medicare Advantage plans ? It's a topic .

Jim Bodenner 2:12

I talk about regularly . It's a topic that the National Retiree Legislative Network has some very strong opinions . But let me just back up and explain how the process works . The key to this whole process is for every single one of us and there's 60 million of us on Medicare that we educate ourselves , that we understand how the system works . But let me back up and walk through . All of us turn age 65 at one point in our lives and at 65 , we're kind of at a crossroads . At 65 , we're eligible for Medicare Part A , which all of us get , and it covers in hospital .

Jim Bodenner 2:45

Last days People get to have a work history , get Medicare Part A at no cost and they also sign up for Medicare Part B . Medicare Part B covers outpatient doctor's visits , medical equipment , those kinds of things , and we all have to sign up for Medicare Part B . But if that's all we had , if all we had was Medicare Part A and Part B , we would be subjected to significant out-of-pocket co-pays and deductibles . So what do people do ? They fill those gaps with a Medicare supplement , and Medicare supplements come in two varieties . A person can either fill those gaps with what's called an Advantage Plan or they can fill those holes with what's called a Medicare supplement . Let me explain how the two work , but let me reduce the comparison of those two options to three questions and think carefully and write these questions down , because these are the questions that , in my opinion , are important to ask , regardless of the program that you sign up for and Jim .

Mike Roth 3:41

people will be able to read these questions in the transcript of the show , which is available on the website , great , great .

Jim Bodenner 3:48

Question number one regardless of the plan that you sign up for , what's the monthly premium ? Okay , question number two what is the maximum out-of-pocket co-pays and deductibles that you could incur in any one year ? And question number three , and what , in my opinion , is the most important question , is what are the rules on the use of hospitals and doctors ? So now let's apply those three questions to a hypothetical Medicare supplement . Let's talk about the plan that , in my opinion , is the Cadillac Medicare supplement . It used to be , the Medicare supplement F plan was the Cadillac . As of January 1 , 2020 , you can't sign up for a Medicare F plan anymore , but you can sign up for the Medicare G plan .

Mike Roth 4:29

What's the ?

Jim Bodenner 4:30

difference between F and G ? There's only a minor technical difference . If you've got a G plan , you're going to pay the first $200 of out-of-pocket Medicare Part B expenses , which is your first doctor's appointment in January , and after that there are zero co-pays and deductibles . The F plan there was zero co-pays and deductibles period . So there was a minor difference between an F and a G . The G , in my opinion , is the current Cadillac . If you've got an F plan , your grandfather keep it . You love it . It's a great program .

Jim Bodenner 4:58

But let's apply those three questions to this hypothetical G plan . You sign up for a G plan at $865 . That G plan is going to cost , depending on your age and your zip code , $150 , $175 a month . Again , you can go to Medicaregov and get an exact quote , but approximately let's call it $175 a month . You've got a bias-separate drug card , a Medicare D drug card . So let's say that drug card costs $200 . So the total cost of the G plan and the drug card is $200 .

Jim Bodenner 5:28

That's your answer to question number one . Asked question number two what are the maximum out-of-pocket co-pays and deductibles that you could incur in any one year ? And the answer to that is 200 bucks . You're going to pay the first couple hundred dollars of Medicare Part B expenses which are going to incur in January . After that , co-pays and deductible . My third question , and again in my opinion , the most important question what are the rules on the use of hospitals and doctors ? The answer to that is there aren't any . You can go to any Medicare doc , any Medicare hospital in the United States that will accept Medicare , and virtually all of them do .

Jim Bodenner 6:03

And I like rule that I like to apply is apply the Mayo Clinic test to the plan that you're looking at , or the Shands test , or the Moffitt test or the Cleveland Clinic test or any of the premier facilities here in the United States . Apply and ask yourself if one time in my life I needed access to Mayo Clinic or Shands . Can I get there With a Medicare G plan ? You don't need a referral . You pick up the telephone , you call Cleveland Clinic , you call Mayo Clinic , you call Shands , you schedule an appointment . When you get there , you're not going to have any co-pays and deductibles . Let's apply those same three questions to an Advantage plan and , to keep things simple , you got to understand that every Advantage plan comes in two varieties either it's an HMO or a PPO .

Mike Roth 6:45

So those Advantage plans are all limited plans with limited group of doctors HMO means it's a health maintenance organization .

Jim Bodenner 6:53

The HMO is the most restrictive . It's going to have a closed network of doctors that you're required to go to . You're going to need a referral to get to that doctor Inside the network . Correct , now a PPO permits you to go outside the network . A PPO means it's a preferred provider organization . You can go outside the network . You'll pay a high co-pay and deductible , but it does permit you to get out of the network . But let's apply my three questions to . Let's talk about an HMO . You could get an HMO in our local zip code here in the villages for as little as zero additional dollars above the cost of Medicare Part B . Okay , zero , zero , zero . So to answer the question number one , you can get the Advantage plan , the HMO , and it will include a drug card for as little as zero dollars a month in premium .

Mike Roth 7:40

Right . Some of these plans actually say you're going to get so many dollars a month back , up to $175 a month back on your Medicare . That's true .

Jim Bodenner 7:50

And to that I say are you buying a health club membership ?

Mike Roth 7:54

Is that what you want ? Yeah , they give you the golden sneakers Right . Are you looking ?

Jim Bodenner 7:59

for a health club membership . Are you looking for the best medical coverage available in the United States ?

Mike Roth 8:04

Or are you going to take the risk that , when you need to go to a place like the Mayo Clinic , that you can endure a couple of hundred thousand dollars worth of medical expenses ?

Jim Bodenner 8:14

Well , there's going to be a cap . If you can get to , there will be a cap on an Advantage plan on your maximum out-of-pocket copays and deductibles In 2024 , I think the number is like $7,500 . So it will cap it . But the question is can you get there ? Can you get to that facility without a referral ? So if you took my hypothetical HMO , the monthly premium is and a drug card at zero dollars , what's the maximum out-of-pocket copays and deductibles that you could incur in any one year ? Every single HMO , every single PPO is going to be different . The maximum hard cap in 2024 is $7,500 . So there is a cap on the maximum . But you could incur that maximum cap In your plan .

Jim Bodenner 8:57

You have to look at your plan . You have to look at the details of your plan . Every Advantage plan is different and every Advantage plan can change every year . So you've got to be very educated in what your plan consists of . The third question , Mike , and again in my opinion the most important , is what are the rules on the use of hospitals and doctors ? If you've got an HMO , there are a lot of rules . If you've got a PPO , you can go out of network , but you need to educate yourself on the rules . You need to educate yourself every single year , because that plan can change every single year .

Mike Roth 9:27

You know , I've heard cases where people thought they were covered and they could get into shans and a couple of years later , when they tried to , they discovered they weren't covered .

Jim Bodenner 9:35

You know I've heard all the horror stories . What I tell people is educate yourself . The worst person to buy insurance from are the TV ads that you see . Don't buy Medicare coverage based on television ads . Buy the Medicare coverage or acquire the Medicare coverage based on your knowledge of the system and your individual personal and financial needs . And I'll give you an 800 number here , mike , there's a volunteer group of folks here in Central Florida that are knowledgeable that will provide you one-on-one objective counsel on these .

Mike Roth 10:08

Medicare options how many options are there ? How many Medicare plans are there ? Oh , advantage plans . Could someone in Florida buy Boat load ?

Jim Bodenner 10:17

Boat load means A dozen .

Mike Roth 10:19

Or a dozen .

Jim Bodenner 10:19

Yes , and every zip code will be different . Every zip code is different .

Jim Bodenner 10:23

Every zip code is different . You've got to go to go to Medicare . gov , answer a few questions , put in your zip code and it'll tell you what advantage plans and what Medicare supplements are available in your zip code and the cost of each of those plans . So let's compare and contrast my hypothetical HMO versus my hypothetical G plan . Which is more expensive ? A $200 a month premium for the Medicare G plan and a drug card , separate drug card , or a free HMO , zero premium HMO which is cheaper ? Well , zero is naturally cheaper . Well is it Is zero cheaper . If you've got a five or six or $7,000 maximum copay and deductible in any one year with that HMO , oh , is that cheaper than $200 ?

Mike Roth 11:06

a month . Well , I'll ask another question . You know , In medical school it seems to me that there are A students , maybe A plus students , or B students , C students , D students . Who do you want to be your doctor , the A student or the D student ?

Jim Bodenner 11:19

Well , yeah , I don't want to say that the docs in a Medicare Advantage plan aren't good docs . I know they are . I know there are some very good docs . What I do want to point out is that some of the best physicians in the world work at Chance , work at Mayo Clinic and Cleveland Clinic and Moffitt and other names that you're all familiar with throughout the United States .

Jim Bodenner 11:43

You may need specialized care . You may need something that isn't available here in the net . Where are you going to go and can you get there without a referral ? Do you want someone making a referral or do you want to just pick up the phone and call Cleveland Clinic and get a second opinion ? Maybe you're getting an opinion from a local doc , and that's great , but maybe you want a second opinion from someone at one of these specialized care units .

Mike Roth 12:04

Let me ask you a question , jim . I have noticed that on my own personal physician he has a new sign out of his office . It says starting January 1st , we're not going to accept these Medicare Advantage plans , and he listed some of the popular ones that were listed . Played on TV , yes , why do you think that is ?

Jim Bodenner 12:22

Well , let me tell you a real story . You know sometimes personal stories , you know , weigh

Understanding Medicare Plans and Options

Jim Bodenner 12:29

very heavily . But a couple of years ago I had a urologist , did an MRI of my prostate and found a shadow . And he said , Jim , it's 50% chance it's a problem , but if I go in and biopsy that right now , there's a 15% chance that I could biopsy it and come back with a wrong diagnosis , with a negative diagnosis . What I would like to do is do a second MRI and create a 3D image of the prostate and go in with 3D imaging equipment and biopsy it . And I guarantee I won't miss it . And he did and fortunately for me , everything was negative . But when he's talking to me and he knows my background and he knows that I'm pretty conversant on some of these topics he comes about a foot or two off of his chair . When he's talking to me about these issues he says , Jim , here's the deal .

Jim Bodenner 13:54

If you were in and he listed some HMOs , I wouldn't have gotten approval on a second MRI and I'd have gone in and biopsyed it with a single MRI . You have to have someone approving those procedures . When you're in an Advantage plan , your doc has to recommend the process you need , but it also has to be approved by the administrative arm of that Advantage plan . If you have a Medicare supplement G plan , your doc codes it . With a Medicare code you get that MRI . I got that second MRI . I got the 3D imaging . Fortunately for me , everything was negative .

Mike Roth 14:29

But getting that approval might add critical time to the time from initial diagnosis to treatment . That you really can't afford .

Jim Bodenner 14:38

That's very true and again , I'm an advocate . I personally prefer the Medicare supplement track . I'm an advocate for it , but I don't tell people what to do . What I do try to do is educate people so they're knowledgeable about these options , so that when they sit down with their insurance agent they know as much as the agent .

Mike Roth 14:59

Good , Jim , let's take a quick break here and let's hear it in . Alzheimer's tip from Dr Craig Curtis . Dr Curtis , several new medicines have been approved by the FDA for the treatment of Alzheimer's . How effective are they ?

Jim Bodenner 15:10

So the effectiveness so far shows an approximate 30% slowing of Alzheimer's disease when these medicines are used in patients with the very earliest stages of the disease , with over 20 years of experience studying brain health , dr Curtis' goal is to educate the village's community on how to live a longer , healthier life .

Mike Roth 15:30

To learn more , visit his website craigcurtismd . com , or call 352-500-5252 to attend a free seminar . I'm back with Jim Bodenner and we're talking about the difference between Medicare plans and Medicare Advantage plans . Unfortunately , those two names are so similar I believe they must confuse a lot of people they do .

Jim Bodenner 15:53

They do confuse a lot A Medicare Advantage plan and a Medicare supplement . They are confusing . You as an enrollee need to know the difference . As I mentioned before a break , you need to know the difference . When you sit down with your insurance advisor , you need to make sure that advisor can explain the pros and cons of an Advantage plan versus a Medicare supplement and I also recommend that you get one-on-one advice from a group called SHINE .

Mike Roth 16:21

You were gonna give them , our audience , their phone number .

Jim Bodenner 16:24

Yes , shine is a group of trained volunteers who provide one-on-one counseling to Medicare recipients , and you can contact your SHINE representative with this phone number 1-800-262-2243 . Let me repeat that it's the SHINE program , 800-262-2243 . They're a great organization . They're not going to tell you whether you should sign up for any specific plan , but they will work to educate you on the difference between Advantage plans and Medicare supplements so that when you sit down with your insurance advisor you can demonstrate to that insurance advisor that you know the difference and make sure that your insurance advisor can explain the pros and cons of each .

Mike Roth 17:07

So , jim , I like to put a little joke into every show for my grandson , that's good Evan yeah , dinosaur jokes . Not dinosaur jokes , but funny jokes . We're putting it into the back half of the show today to make sure Evan listens to the show to find it . So , jim , what do you call ? We're living in a retirement community .

Emily 17:26

We are , yes .

Mike Roth 17:26

So what do you call a retired vegetable ? A ?

Jim Bodenner 17:30

retired vegetable Boy . You got me . Mike has been Psst . Mike , can I tell that to my granddaughter ?

Mike Roth 17:38

Sure , Okay , I don't know if she'll have it . I have a mission to steal it .

Jim Bodenner 17:42

So I've run you through the kind of the decision tree , but let me explain something that you really need to keep in mind . When you remember , we fast-tracked everybody's 65 years old today and we made that critical decision . What I didn't tell you is , once you make that decision , if you decide to go down the Medicare Advantage track at age 65 , you may have committed and made an irrevocable decision . Yeah , it's a lifetime decision . It's a lifetime . Let me explain how it works .

Jim Bodenner 18:09

During that first year after your age 65th birthday , you've got the right to realize I really wanted the supplement . I signed up for the Advantage plan . I'd like to change my mind . You can change your mind during that first year , but after that first year you have potentially made an irrevocable decision , so that if you're in the Advantage track , you've got to stay there . On the other hand , if you decided you wanted to sign up initially for a Medicare supplement and you change your mind five years later , you can go from the supplement track to the Medicare Advantage track . No problem , but it's a one-way street . Okay , you can't go from the Advantage track to the supplement track as a matter of right . You can apply , you can be turned down , you can be rated at a high premium and , like any rule , there are exceptions to the rule . What are the exceptions ? Well , I make a sporting event out of guiding people through the exceptions to the rules . The sporting event .

Jim Bodenner 18:59

Oh it is . I have a low threshold of excitement . But let me give you an example .

Jim Bodenner 19:05

I see all that not all the time , but often Someone has got an HMO , a very restrictive HMO , in there from Pennsylvania and they move to the villages and that HMO isn't offered or available here in the villages , that fact situation can give that enrollee what's called special enrollment rights . It gives that enrollee the opportunity to wind the clock back to age 65 and to go down the Medicare supplement track if they want to . They're gonna pay a premium for that supplement based on their actual age , their current age . But they have a second bite at the apple to sign up for a Medicare supplement . That's the exception I see regularly . There's other exceptions An insurance company goes out of business , they're no longer offering that insurance .

Jim Bodenner 19:44

That likely can trigger special enrollment rights . But the general rule is you've got a one year window from your 65th birthday to decide which track you're going down . Often people say to me when I'm talking to groups and I talk to a lot of groups well geez , thanks for the great advice . You know I signed up for this Advantage Plan . I'm 75 years old . I signed up for the Advantage Plan . You've just told me that you like the Medicare G Plan , but I can't get it because I don't have special enrollment rights . What do I do ? And my answer is don't panic don't panic there's .

Jim Bodenner 20:11

What question of my three questions is the most important to you ? If the most important question to you is the choice question being able to go wherever you want look during open enrollment , which we're in right now . We're in open enrollment . Look at moving from a restrictive HMO to a PPO . The PPO will permit you to go out of network and seek healthcare providers at other locations , some without referrals . So don't panic , there's some really good PPO's out there that are good . There would be a premium attached to those PPO's . Remember , in my example , I told you the HMO might be zero and there are zero premium HMO's the PPO you're gonna pay a premium for a monthly premium .

Jim Bodenner 20:48

So don't panic , educate yourself , know the options , know what's out there and become informed . And please , please , please , don't buy Medicare insurance from television ads . Don't buy Medicare insurance from television ads . Think about the free health club membership and if that's your criteria for buying , Medicare Golden sneaker , golden , whatever they call it .

Jim Bodenner 21:10

That's what they call it . If that is your criteria , that's not my criteria . My criteria is what is the best medical coverage available that I can get when I'm healthy and what is it if I have that one time and a lifetime situation where I need specialized healthcare and you can't predict that ? Unfortunately not . I often often hear is well , I'm healthy . I would prefer that . Zero premium , hmo . I'm healthy . I've been healthy all my life Until that . I say congratulations , but what's gonna happen tomorrow or the next day or 10 years from now .

Mike Roth 21:42

Jim , why don't you tell our listeners a little bit about what's coming up in drug costs ?

Jim Bodenner 21:48

Yes , this is an area that the National Retail Regulatory Legislative

Drug Costs, Life Preparations Update

Jim Bodenner 21:51

Network has been actively supporting reducing the cost of healthcare . And let me point out what the NRLN has been doing , what they've been advocating for and what's come to pass . Effective January 1st of this year , if you're on a retiree and you're an insulin , the cost of that insulin is capped at $35 a month . That is a big deal . That is a huge deal . Effective January 1st 2025 , a person's total out-of-pocket costs are capped at $2,000 a year . That is a very , very big deal .

Mike Roth 22:22

What's happening with that ?

Jim Bodenner 22:24

the drug donut . That drug donut hole is shrinking over the coming years . But when you get to a $2,000 maximum hard cap that's a large deal . My daughter takes one drug multiple sclerosis drug that costs 9,000 a month . That's what $100,000 a year Is a $2,000 cap and she is on Medicare because she's 100% disabled . Is a $2,000 a year cap a big deal ? It sure is , because a lot of people are taking these very expensive drugs today . It is illegal for Medicare to negotiate for drug prices .

Mike Roth 22:57

Medicare represents 60 million people , 60 million of us are on Medicare On January 1st 2024 , that goes away and they can begin to negotiate . That's correct . We have no idea how long that negotiation will take , we don't know .

Jim Bodenner 23:11

But we do know that Medicare can go to pharma and talk about the 60 million people they represent , and , beginning in January , the list is 10 drugs that they can negotiate for . It's my understanding that list then will scale up over the next few years . You know which 10 drugs they are . Well , I had a situation recently where it caught my attention . When I saw the list Number one on that list , my heart went into AFib here a few months ago . I'm now on Eloquist , which is five , six hundred bucks a month . Eloquist is number one on the list of 10 drugs . So the other nine have really long , complicated names , but they're all expensive .

Jim Bodenner 23:46

Good Jim , why don't you tell us about playing for life checklist ? Yes , and if you go to my blog and I think the blog , my blog link will be on this podcast the blog link is wwwbodennerj , that's B-O-D-E-N-N-E-R-J dot WordPresscom . And if you navigate to the file called plan for life checklist , you will see a lot of really good information . You can download it . It's about a 30 page PDF file . Wow , 30 pages . It's uh . I have a lot of uh . I have a low threshold of excitement . There's a lot of loose facts floating through my head and I've put those loose facts into this plan for life checklist . It includes , uh , things like you need to organize your life in a six inch thick , three ring binder and I give you the index of what should be in that binder . It should be in a safe in your home . It shouldn't be in a safe deposit box . But it tells your loved one , it tells your partner , it tells your children everything there is to know about you and where everything is . In my former life my wife and I own the long-term care facility . We saw all the train wrecks of people not knowing where documentation is . I deal with identity theft and fraud a lot of good issues . I deal with zero step design in single family homes . I deal with long-term zero step design . It means no steps .

Jim Bodenner 25:03

All of our homes here in the villages have those wonderful four inch steps . There's a way to get rid of them . There's a way to engineer them away in a first class manner . How do you do that , you ? The front door is real easy . You simply raise the pavers up four inches . You have a train , you have a car meter . Come in with a saw , saw and get rid of all those 32 , 33 inch doors and drop in 36 inch doorways , you go into your bathrooms and get rid of the big offender .

Jim Bodenner 25:27

I love garden tubs . They're great . You're like broken hips . They're wonderful . Get rid of the garden tub . Get rid of the shower that steps down . Have a carpenter come in , take four inches of concrete out , replace it with two inches of concrete . Let the tile guy finish the last two inches . You've got a zero step shower . Make sure you've got at least a 36 , preferably 40 , 42 inch entrance into that shower . You now have a zero step bathroom . It can be done . There's engineering things you can do . We bought our house here in the villages . We completely redid it .

Mike Roth 25:58

It is a zero step house and zero step in from the garage .

Jim Bodenner 26:02

Yes , you can . Of course you got to get rid of that 32 inch doorway . Not a big deal with the saw saw and well , sometimes there is electrical inside that four inch . There is nothing on the electrician and a drywall guy can't handle . But you knock the concrete out in a four foot by eight foot section in front of the door . You taper it up to zero . Get rid of that four inches . I did it , it works great . And reglaze the garage floor Looks wonderful .

Mike Roth 26:30

Great , Jim . Thanks for being with us on this episode of Open Forum in the villages , Florida . I'm sure we're going to talk to you again in another episode . Thank you so much , Mike .

Emily 26:38

Remember our next episode will be released next Friday at 9 am . Should you want to become a major supporter of the show or have questions , please contact us at mike at rothvoice . com . This is a shout out for supporters Tweet Coleman , Dan Kapellan , ed Williams , Alvin Stenzel and major supporter Dr Craig Curtis at K2 in the villages . We will be hearing more from Dr Curtis with short Alzheimer's tips each week . If you know someone who should be on the show , contact us at mike at rothvoice . com . We thank everyone for listening to the show . The content of the show is copyrighted by Roth Voice 2023 . All rights reserved .