<transcript><audio_15>tool you just kind of talk to those kinds of issues because you see a lot of people and so you've seen different kinds of situations can you just kind of talk to situations where you're you're talking to people who and and Advising them and some and sometimes saying oh no</transcript><transcript><audio_16>Medicare is really the right thing for you and sometimes it really isn't and and Holly I just want to go back back you know to your example i i as a as a person who knows nothing you know about this stuff would would say well</transcript><transcript><audio_17>you know I'm I'm on I'm on um I'm working and I'm on a on a group plan you know but you know I know Medicare that you know the costs are going to be really low and therefore I should just be going to Medicare and I think that's an assumption that a lot of</transcript><transcript><audio_18>people made right so can you just kind of talk that out in in terms of how they should think about the numbers and and and what the options are yeah Medicare is the same price for</transcript><transcript><audio_19>everyone and that is not the case if you are in a higher income bracket you could be potentially assessed a higher monthly premium for Medicare Part B as well as a part D adjustment for your prescriptions so it might be the</transcript><transcript><audio_20>standard premium for someone else but if you have a higher income then you could be paying a couple hundred dollars more for just your Baseline Part B premium price and so that can really affect it not only that but your prescription</transcript> tool you just kind of talk to those kinds of issues because you see a lot of people and so you've seen different kinds of situations can you just kind of talk to situations where you're you're talking to people who and and Advising them and some and sometimes saying oh no Medicare is really the right thing for you and sometimes it really isn't and and Holly I just want to go back back you know to your example i i as a as a person who knows nothing you know about this stuff would would say well you know I'm I'm on I'm on um I'm working and I'm on a on a group plan you know but you know I know Medicare that you know the costs are going to be really low and therefore I should just be going to Medicare and I think that's an assumption that a lot of people made right so can you just kind of talk that out in in terms of how they should think about the numbers and and and what the options are yeah Medicare is the same price for everyone and that is not the case if you are in a higher income bracket you could be potentially assessed a higher monthly premium for Medicare Part B as well as a part D adjustment for your prescriptions so it might be the standard premium for someone else but if you have a higher income then you could be paying a couple hundred dollars more for just your Baseline Part B premium price and so that can really affect it not only that but your prescription
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