Sign New Hampshire Banking Medical History Myself

Industry sign banking new hampshire medical history myself

all righty well hey guys welcome welcome everybody and uh happy thursday what a beautiful day man it is gorgeous perfect absolutely great hope you're having a great day and uh october once then sure it's here it's here so we gotta got a big turnout today thanks so much for joining us and really just uh bringing everybody up to speed on where we are with lasso and ready to roll you know the whole thing is evolving you know as we watched it go through the first two years of having one product that was you know had different deductibles yeah based on regions right they're getting rid of that that philosophy but even as a company i would encourage everybody maybe at this time to make sure that you get real familiar with www.lassohealthcare.com go to that documents page i can tell you that they've downloaded or uploaded for our use everybody's use about 12-13 new documents just since september 1 in evidence of coverage welcome to lasso welcome to the optum bank card these are all things that can answer an awful lot of questions not only for you but for your clients so just get real familiar with that website because everything is right there though the enrollment kit is right there as well good just a lot of stuff that we've got available to us in the agents portal of that very same website if you want to order some supplies you scroll down about halfway down and it's on the right-hand side you can order supplies we'll do it for you but if you're one of the ones that do things on your own feel free because that's what it's all there for but just get real familiar that is becoming a real user-friendly website that's right yeah great great great yeah so we ready yeah let's go with john i'll let you lead off with uh with the basement oh my gosh all right well the basics blocking and tackling i think everybody knows this by now but we'll hit it no networks big big deal uh with the msa plan zero premium always has to be a zero premium that can never ever change uh no prescription drug so it's not an mapd it's an ma only so it gives all of us a flexibility of getting that person into the the very best pdp that fits them fits their scenario and then the best part there's always money there's always a deposit and i know that's a big big discussion today but uh uh every year as long as you're in the plan you're gonna get some money all right and it's your money that's exactly correct these this is the pillars that the msa was built on everybody and again like john says it's a no network a zero premium no prescription drug plan and it's just it just makes all the economic sense or a consumer friendly yep sense is what this is all about yeah i want to give everybody a chance to win at this particular product that's what we're there for so [Music] yeah well when we sent this out john we talked about a dilemma and a dilemma basically is just a situation in which a difficult choice to think of a problem between two or more alternatives okay so it doesn't necessarily mean it's bad it's just it's just a choice it's two good ones okay two good choices but two good choices there you go okay all right anyway the point is that when we start talking about a two thousand dollar deposit with a five thousand dollar deductible you know that's got automatically that's got man three thousand dollar out of pocket there's nothing better than that and i just i i like that there's a lot of people that like that a lot of beneficiaries like that but we cannot overlook the fact that with a three thousand dollar deductible and an eight thousand dollar i'm sorry a three thousand dollar deposit and an eight thousand dollar deductible right that offers an awful lot of claims payment between 2000 and 3000 and although i couldn't pull any definitive statistics on where people fall or i would have brought it in here to this this uh webinar there are a lot of people just from past experience calling and talking about claims that fall over 2 000 but not 3 000. so if so we're going to go on a little bit more about this but we're going to be talking about spending lasso's money versus spending the consumer's money so we don't want to lose sight of the fact that an extra thousand on approved charges goes a lot more than a thousand dollars exactly two expenses yeah that's correct and again the growth it's the growth msa is the two thousand dollar deposit the five thousand dollar deductible right and so that's the one if i remember right this is the one that everybody that has a plan right now lasso is defaulting to so coming into this next year 2021 that's where everybody's going to start unless they purposefully change an action that's exactly correct on that subject if you have a beneficiary that wants to move to the 3 000 deposit you will have to re-enroll them on the lasso website you can re-enroll them on the paper application they can even i don't want to say bypass you but they can call lasso themselves member services member services will enroll them under all scenarios you will retain that broker of record spot you're not ever going to be cut out of this so even if your client does go to member service exactly to get that moved up up you're always going to maintain that ownership of that particular product so john's correct everybody's going to migrate to that growth msa and so from there we have to make an action whether through you the broker just do a brand new application or if they choose to go through uh the customer service or member services portal they can get it done there as well so but both of these this is quite a dilemma because i have been speaking to a lot of brokers we navigate towards that two thousand dollar deposit that five thousand dollar deductible right with three thousand max out of pocket sounds pretty good there's a whole lot of there's a lot there's a lot of mixed up premiums out there that are that right that's exactly correct right and as we've said in this broadcast many times there is no other product on the field in the over 65 or under 65 world where we get to participate with a government stipend that can actually put cash inside our pocket dealt with a lady local person today that uh was going through the flu shot scenario at the local kroger well this and we got a question here from phil hermes that's i was just reading uh that's about the flu shot maybe this will answer his question too at the same time let's go through this okay you're going to read that i can't i can't read it i should know the answer to this but one of my lasso clients has gone to his doctor's office in two pharmacies to get a free flu shot but he does not know if he should give his part b humana or lasso he's been giving them his medicare card and ximena pdp and they will not give him the free shot okay um it's not free through lasso it's not free through a non-medicare product this when you sign up with lasso or any medicare advantage product we literally disenroll from medicare and so just like any other claim it has to be processed today we had a client or a broker had a client that went to kroger for the flu shot and the flu and kroger we have dealt with them in the past but they had forgotten the fact that they are not supposed to get the medicare card and so they actually physically had to make a claim with lasso now we do know that there's about 12 or 14 different flu shots and the medicare approved amount is anywhere between nine dollars on the low side and 61 on the high side so depending upon the cpt code that represents the flu shot that people get that bill will go to lasso for repricing to whatever that medicare approved amount is and then that distributor wherever they got the flu shot is entitled to that that can be swiped on the optimum card at that particular time and pay the copay yeah whatever that whatever the uh the medicare approved rate is they've not met their deductible right if they've not met their deductible it is the client's responsibility for that and so they can swipe it off their their opt-in card we don't want them to pay cash if they got money on the optimum card but that's one of the options that they can do it okay and then we can submit a claim actually for reimbursement actually back through lasso but the short answer is it's not free through the medicare advantage product lasso so still get it and well this lady was was making the argument back to her broker was on a three-way call just to be real quick but she had forgotten about the 3240. she goes oh yeah she goes i got that 3240. and that was the money that the government gave her that if she wanted a flu shot she could pay for it with that money it's her deposit right it's her money it's her money but then again it reflected it remember she remembered why she got the msa she goes well yeah well i'm going to stay right where i'm at i'm sure i have a lasso and so just from that perspective phil we've got to remember that though this is the chart that we wanted to get to um that i just wanted people to see the flip side of the coin about automatically thinking that that two thousand dollar deposit five thousand dollar deductible is a good deal and i think it's a great deal i just don't want to lose sight of the fact of that three thousand dollar deposit and that eight thousand dollar deductible has a lot of value as well let's just take some examples here because again i could not get definitive answer about claim information about a 65 year old it was all over the map and i didn't want to bring in just some number but if a bro if a client has a 2500 medicare approved loss for the year if i've got that growth msa i'm going to come up with 500 of my own dollars right whereas if i had been more aggressive and i had the 3 000 deposit i would have had no money out of my pocket and i would have been starting the new year with five hundred dollars in my pocket or in my account and so i know as brokers we i've watched these phone calls hundreds of these phone calls and i'm talking to brokers and we navigate towards that i do the same thing but it wasn't until later on when i started making the argument in my own head that i thought it was going to be worth our while to at least consider that three thousand dollar deposit yeah five thousand dollar out-of-pocket max so i mean it's i mean especially for the customers that that had very little utilization or historically have very little utilization just take an extra grand for a couple of years i've got a lady that's followed this since day one january 1 2019 she's got not quite five thousand dollars inside her account and she even cracked her hip earlier this year all that's all have been settled she's almost got five grand she's already hitting me up on what these i couldn't tell her but i know that she's gonna take that three thousand dollars and right exactly correct because she's on the side of the equation where she's winning the game yeah and so it's so nice to get that you know after a few years to get that little nest egg built up there too you know you're really on house money aren't you exactly correct and then she was still putting aside the 97 dollars that for six months we had her in a plan g she still was putting 90 cents she had over two grand in that account she's rare she's a rare one she must be on david ramsey's budget plan she could very well be but the point is in 18 months yeah in 19 months she's got 2 000 in her account saving premium she's got 5 000 almost in an account that's not even was given to her through the government yeah and she's still been backed by a very reputable company that's responsible for a 100 of the claims so it's good for her we've got a great product here we really do and there's just an awful lot of excitement that we wanted to convey back to you and i know fueling phone calls and talking to these brokers there's a whole lot of excitement out there especially with this dual option i think sales are going to be going through the roof it's no longer going to be a choice of this is what i've got with an msa or a plan g i now have two choices between or a choice between two msa accounts yeah and whether we're focused on the deductible or focused on the deposit there's a solution in there for everybody so great just uh some of the service area that has been expanded to for 2021 we always like to touch base on the fact that in if you've got clients or people that you know or you're licensed in one of these states this is the first year it's available in alabama florida massachusetts missouri new hampshire oklahoma oregon and west virginia along that's a total footprint of 34 states plus dc and as simple as it is here's a good map the dark colored states are the ones that have been in it uh the lighter colored orange are flesh colored states are the new ones to 2021 again the plan is to be in all 50 states within five years from the inception of this company they're still well within that that goal so i think they're doing a a fabulous job so great yep there are no more regions we hit on this just a little bit ago there's no more regions those are gone uh the 2021 plan shifts from a geographic driven product to a value driven product this is going to be your choice between the value of a 2 000 deposit 3 000 and so the very two highly competitive plan designs that we've got to select from it's a it's a it's a great product very little else has changed in the product other than the fact there's going to be two and um so you can know the regions are gone all the regions are gone is exactly correct easy to talk about especially on those border lines yeah anyway yeah you know you really feel like with those those regions the way they were divided up like you're not you know the three regions and you thought god you're in that higher region it just wasn't obviously nearly attractive now no it didn't taste near as good but as in those low regions but man now it doesn't matter in the state huge lift i'm going to talk about the state of mississippi the state of mississippi the entire state was region three yeah it finished number five the first year that we had in sales because there are so few products down there right and so when you talk about a nine thousand four hundred dollar deductible last year yeah to this year these people get a choice of a three a maximum of three so if you've got anybody in mississippi folks i'm telling you people are going to be diving on this product like it's uh like it's uh mana from heaven that's exactly that's how that's how we'll put it listen we're going to also talk about a few tips and as we get some information we're going to share this with you one of the things we had a great broker from arizona give us a phone call and was was wanting me to find out if a particular cardiologist was was a participating physician as we know excess charges are not the responsibility of lasso and they fall strictly on to the to the consumer and so what we've done here um if we can pull that website up everybody's familiar with medicare.gov and we this is what we get when we go to medicare.gov i'm sure everybody here is familiar with this up in the upper right search medicare we're going to write provider directory and then that's all we need to put and hit search and then when we go to com position compare we're just going to click on that okay enter location put 625 yep yep 62523 and the search by name let's go to my original dr dennis j rottenmocker already let's go to dr rotomocker he doesn't mind i love him okay so we couldn't find any yep that's the guy we're looking for right there and if you click down a little bit click down a little bit go down a little bit farther is that all the farther we can go let's get generally interesting okay let's get the general information exactly the first line is on the general information is that he accepts medicare approved payment that means he accepts 100 percent of assignment that box that pops up on the right hand side simply explains everything all physicians and other clinicians on position compare treat people with medicare the clinician accepts the medicare approved amount as full payment for covered services called medicare assignment so in the event that you have a client that says jim jones is my doctor on there and you can literally go straight to medicare.gov utilize these three steps and you can give them complete assurance that you're working with a participating physician i've probably done several dozen i've not yet found a non-participating physician or one that's opted out i'm not i'm telling you they're out there but my point is that they're good that's a great tool yeah it's a great tool that we can utilize especially for your good clients even your bad clients even when all the treats in this way too exactly correct yeah everybody let's see how you can stop me after it goes off here no i'm just thinking we all have some of those but we'll still we'll still bring this up for them too and i'm using his words he goes i got a great client i don't want them you get this yeah that's exactly how he finds that to me so howard i thank you for the question out there in arizona i hope you're on and uh we got you taken care of on on that one another resource and i'm just going to be very quick here because we we get into this a little bit with diabetic supplies test strips all the different pieces that come along with that it's been kind of a a rocky relationship between the durable medical equipment providers but i will tell you i want everybody to write this down i'm sorry i don't have this on a slide i just thought of this but www.edgepark.com they're very familiar with lasso lasso doesn't have a special agreement with them but they know all about the medical savings account you can get your diabetic test strips and supplies delivered straight to your door hassle free i know it's cost us more than one client that has tried to get test strips or durable medical equipment they say i'm not dealing with this company and they've provided more hassle than they have helped okay i'm just telling you that this is a great resource that as you begin to sell this product you're going to have people that have got that chronic condition of diabetes that lasso loves and it's a great product for we just need to smooth over the rough edges this is one of the rough edges that we can smooth over with that www.edgepark.com as well as the medicare information clinician provider list so nice as we get this information that can help everybody out out there again we'll distribute this and just disperse it through these webinars and yeah is that it that's we're up to the questions all right i don't know what time it is we tried to do 30 minutes beautiful okay great great any questions any questions gang beautiful yep again i would i would highly encourage you i know that the frequently asked questions for agents and members was updated i saw it today 10 1 20 20. i've not been through it i'm going to go through it get in there there's about a dozen or 13 different new documents that are available we have we have a uh a few people raising their hands okay that we're gonna allow some people to talk so uh let's start with russ uh oh um i'm gonna allow you to talk if you just want to ask your question hopefully we can hear you okay it looks like he uh popped in you mentioned supplies okay supplies yes okay www.lassohealthcare.com the agents portal at the top there's five portals agents is one of them it's a non-firewall portal click on agents you slide down about half or two thirds of the way russell and you'll see about ordering supply request supplies will be right there click on it everything will be there that you can get your hands on uh or you can call me i'll overnight it when i get my hands on what we've ordered for here okay ron has a question about trial right okay yes ron uh that's a great question the trial right has changed i know in these webinars in the past and this has just happened in the last 30 to 60 days so i don't want to get too involved with this but lasso was actually the one making the argument back to cms that there was no language that required somebody to stay until the next aep cms agreed they just released some new verbiage on that and we can now disenroll beginning january 1 of 2021 we can disenroll somebody mid-year simply by their request to utilize their trial right okay so go to the website on documents you'll see a disenrollment form we need that filled out hopefully anytime somebody moves to these msas always ask them to hang on to their previous cards previous documentation because in the event that they came from a med sup we've got to go straight back to that one if they did this enroll mid-year though there'd be a claw back on that deposit right sure there is so you know you gotta they gotta you gotta know that's coming too it's exactly correct the government wants their money back for example if i if the government is given three thousand two hundred and forty dollars there's going to be a clawback of 1620 if somebody wants to disenroll on july 1. yep and so whatever those months are it's just 270 dollars per month yep that's going to be clawed back by the government it's going to be the government doing this so there's a there's a few hooks uh for the flu shot go to the doctor or the pharmacy i you know if you can get a pharmacy that is that doesn't mind going to lasso i would do that because again i think you'd be saving an office visit an office call because i if i'm not mistaken besides paying for the flu shot you're also going to have to pay that office visit as well so if you can get it done at a pharmacy and they're willing to make that you're going to be saving that money yep phil okay question from kim does lasso send out is that eob i assume to members yes the answer is yes in fact if i have a claim in january that gets adjudicated i will receive the eob for that at the end of february it's always going to be 30 days behind but the answer is yes just to reiterate some of the things that we've been teaching through these webinars never pay retail these organizations have got it figured out really well how to get money away from you they haven't quite got it figured out very well on how to hand money back so i would i would hesitate ever to pay retail if i've got an organization that knows what that medicare approved rate is and i and i want to trust them that's fine if they want to take that money off the optimum card but i would always wait for that medicare approved amount before i let anybody ding me on that on my option card okay roger asks what are the details on the 250 wellness benefits roger it's a three-step process on the for your health and that's available in the members portal of www.lassohealthcare.com the members of a portal there they can go straight to the for your health website it's a three-step process that begins with filling out a just a sheet of paper on their weight height what's your health history been it's just a an awareness check they send that into lasso lasso will send them a 75 gift card just for participating with that health survey if they go to their doctor and get a panel of labs done and i'm sure the panel of labs have to meet some minimum criteria that alone would be worth an additional 75 once that gets done if the patient is willing to sit down with their doctor and put together a proactive plan on how to contain that in other words if i'm if i'm overweight and that's producing high blood pressure when i say doctors i want to get this off how do i go about this i put a plan together with my doctor and i submit that back to lasso that that will kick off the third piece which is a 100 gift card so it's a three-step process the health survey the panel of labs and a proactive strategy signed off by my doctor on how i can make myself better that will trigger all three of the cards totaling 250 over the course of those three we can do that every year so it's not just a one-time deal it's an annual year we take that very seriously at lasso great okay janet asks can a spouse sign up with lasso anybody who's eligible for medicare can sign up for this even disabled let me even go there if somebody will need to say if somebody's disabled and under 65 eligible okay from sean uh what happens with equipment like oxygen cpap supplies is this covered or mostly under excess sean i tell you what barring anything specific let me answer this more on a personal one-on-one basis let me find out exactly what you're up against i'm guessing that for example i i want to steer you sean as well to that edgepark.com when i was looking at that website over the last 30 days they do a lot more than just diabetic supplies and when i heard they worked with lasso i've got a in suspicion that they accept the medicare approved amount and so i would i'm going to yield on answering that question just so i don't get some bad information out there but i do want to follow up with you i will okay from greg will current plans be migrated to the 8 000 deductible greg automatically your all your beneficiaries are going to be migrated to the growth plan the smaller one the the 5 000 deductible with a 2 000 deposit okay and john asks who is new horizons and why should i use you guys that's the best question right there who is new horizons well we're an fmo here in the in the midwest and serve agents and agencies around the country and i think you absolutely should use us so we we we do steve steve for sure does and we're a distributor for lasso and and have been from from inception i tell you what here's what you get that you're not going to find in a lot of places i'm not going to tell you you can't find it anywhere but we have a backroom staff that includes a copy editor that basically has cms approval to put anything together and if we submit it to cms and they don't we don't hear back in seven days it's good and i can promise you there's 99 of the fmos out there do not have that access in other words what that means is is this john thomas john if you submit a marketing piece to me you say steve i want to put this in the local newspaper what can i do i can turn that over to rebecca rebecca can word it for us she knows exactly the pitfalls she needs to stay away from put together a class a piece we'll submit it to cms if we don't hear back from cms in seven days i can hand that to you and you can feel free to utilize that with cms's blessing i can promise you there's not many fmos that provide that like john can and jason jason is behind the scenes here i can promise you we've got a trio of the best when it comes to the digital side of the equation copy copywriters yeah we've just done well we like ourselves real well john but but thanks thanks for the question buddy okay from craig can you update us on the lasso customized five thousand dollar hospital indemnity which presumably offsets their financial responsibility yeah and the the the bold truth is that i've not heard of anything different other than what we've talked about in the past craig it is still available can still be bought it's going to be underwritten it looks more like a an application if you take out a med sub app so they're going to be more particular on the front end of who they bring into that but yeah it's a hospital indemnity plan that can be sold as a standalone whether it's with lasso or anything else that's out there so i i've not heard anything other than what i've been teaching about that over the course of the last year or so that we've had that i hope that answers that well if not again feel free to reach back and we can talk specifics okay patrick i didn't quite understand the importance of edge park if someone needs diabetic supplies they would normally just go to the pharmacy so where does edge part come in there's a lot of pharmacies that that although they've got bin numbers that utilize the pdp and lasso is set up to handle claims coming in from pharmacies there are a lot of pharmacies that do not want to deal with lasso thinking that if you don't have a bin number and the diabetic supplies don't require a bin number that it's just been a little bit of a difficult situation where some of the beneficiaries have felt like this isn't really quite set up properly because their pharmacist is saying i don't know what lasso is that i don't have any claim system to send them information and so basically they they build a little bit of a firewall knowing that lasso has sought out and found this this website it's a just a digital business that actually accepts lasso they know all about the msa it's msa friendly i'm guessing and i don't know that they accept assignment for whatever those charges are and that can be delivered right to the door and so sometimes there's people have to pay like 130 dollars for a set of test strips well if they didn't have to do that previously they wonder why they have to do it now so if we go to like a w www.edgepark.com they literally can upload their optum bank information have the money charged from there get the test strips and it looks a little bit more seamless than working with the pharmacy it's not like they have to it's just it's already set up and the experience is good and yeah and until the entire pharmaceutical industry learns about the msas and how this works still educational again lasso lasso will talk to anybody and they'll make it as simple as they can for everybody but not everybody wants to play nicely in the sandbox quite frankly okay we have a question about the group plan can companies sign up for lasso if they have less than 20 employees here's what the here's what's happened in the group arena covid19 has caused a couple things one from the marketing perspective there was a lot of businesses out there that weren't even seeing anybody because obviously the restrictions there cobit 19 also put a little bit of a fear inside the actuaries and they've pulled the group product and right now we anticipate a july 2021 effective date before we can sell that for a january one effective date okay uh from marina maria christina the deposit is tax free correct as long as it's utilized for qualified medical expenses whether you've got the lasso piece or not it's going to be on a tax-free basis if for any reason you utilize that money for a non-qualified medical expense there are consequences and they're significant and so they always have to be utilized for just a qualified medical expense you can google that and it's uh the irs pays a very broad brush maria what you can utilize that money on a tax-free basis for okay from russell is this going to follow the disenrollment options like mapd yes okay uh david asks how does one pull up an existing lasso book of business um that is a um ritter i am ritter in insurance marketing we have to get inside their system to be able to pull your book of business uh but we could uh david if you uh send me an email i can give you some instructions on how we can go about that you'll be able to get your book of business all right joran are you saying a client can disenroll any time during the first year exactly correct of the first m a product it's going to be the original trial right okay ben asks does lasso use the same rules as medicare when determining the approved amount yes john uh i thought the deposit was 3600 no for 2021 there's only been two sets of numbers john on the on the docket and and it alters it goes it varies from year to year in 2019 the deposit was 2520 when we saw the numbers coming back nothing was we were completely happy with what was going on there was a low side and a high side we were well inside the center of the cone for a solid business practice year two uh we upped that deposit and the deductible to 3240 in excess of 700 with a higher deductible amount just to watch what it would do to the sales side of the equation when it didn't alter the sales a whole lot we tried a different philosophy where there were two options and although the option never has shown more than a two thousand dollar deposit with a five thousand dollar deductible or a three thousand dollar deposit with an eight thousand dollar deductible okay um and follow up to the question on spouse eligibility you should probably remind everyone that va beneficiary beneficiaries are not roger great point i'm sorry we didn't touch on this but there are some rules because the government actually provides this deposit money the government also has some sticky reasons on why the certain sections of our beneficiaries aren't going to be eligible f r example active va beneficiaries active tricare beneficiaries anybody on the federal employees health benefit and the reason is the federal government provides these benefits anyway and so they don't want somebody double dipping and so yes inside the learn center on the website there's a list of the ineligible people that include mostly uh government government health care employees va and such great point roger okay new horizons has been helpful and informative but for agents curiosity what benefits will integrity marketing offer especially at our agent level well i'll take a swing at that one that's a good good question craig um i tell you since our our new relationship with integrity uh we've just really really been impressed with the tools and resources that they're just continually bringing to the table and really the the number one right now that's on our plate is the medicare center which is uh through um connection and through um sunfire yeah and um uh so that's just getting released there'll be more information coming on that almost as we speak just within the next couple of days agents are going to be able to go in uh to a sandbox and and um get in there and and uh work on whatever they want to for uh what kind of stammering that's okay but but no i i just want to finish but no they've been they have been absolutely great and that's a free service so that that uh platform goes all the way down to the agent level and and is not not going to cost anybody anything it's a real real expensive piece of equipment so i think there's more to come as we get more and more integrated with uh integrity but uh we've really really enjoyed the relationship so far i feel good really good about it state-of-the-art stuff yeah okay gordon asks is this product now enjoying broad acceptance from providers gordon here's what i'll tell you although i've not seen it lasso has a list of in excess of three thousand providers that have accepted lasso i would say that there's probably i'm gonna go out on a limb here and say there's there's a list of less than 10 organizations that have said no to it so while cms has required us to use softer language when it comes to the required side of that of that i will still tell you that mostly these providers are looking to take care of their clients and find out how they're going to get paid lasso is a very quality product that gets everybody taken care of and it's in a very consumer friendly product so that's just what i would tell you so i would say the answer is yes that's my personal take on it okay is lasso member friendly example of member calls to check the status of a claim dollar amount owed and how much they paid to meet their deductible in fact lasso takes a a very in kim on everybody's beneficiary card and let me just add this everybody's going to be getting a new card this year but on that card you're going to find two very important numbers that lasso takes very very seriously one is member services and literally yeah i can find out a lot of information for somebody if they call me but there is no power greater than that member calling up member services to get some action or a number or a what get get some assistance yes i can get it and it may take a day if that member calls member services they can get it done in a snap so so that is very important the second phone number on that card is the provider services number lasso is fully staffed with a with a with a bank of customer service reps able to talk the language with any provider whether it's a hospital a lab a physician that calls in and they basically would talk about three things how do i file a claim how do i get paid and what happens to my relationship here with my client uh we understand that the msa contributions can be used at 100 for long-term care insurance but does that particular premium have to also be tax qualified as opposed to regular not tax qualified craig i've never seen a distinction between tax qualified and non-tax qualified on being able to utilize that msa money for long-term care insurance i know it can't be on a a lot of times we buy life insurance with a writer with long-term care i know that that's not eligible but i have never seen any distinction between tax qualified non-tax qualified okay russ just mentioned humana has an m.a plan for veterans exactly right exactly correct it does okay patrick since the lasso product has no pdp is it correct to assume that out-of-pocket drug expenses do not count toward the deductible absolutely correct only medicare parts a and part b eligible expenses reduce the deductible although that dollar can be utilized to offset prescription drug co-pays in and deductibles okay can you can you please give a brief explanation about how the accumulated contributions can be transferred to a higher interest rate company or even a mutual fund okay inside the uh you'll see a new downloadable form craig in the lasso healthcare.com go to documents and there's a download one of 30 i believe an hour 35 that is welcome to optum bank and inside that optum bank disclosure you can read all about the different options that people have got okay here we go great this is what you get when you get yep documents and let's slide down there's going to be a welcome to [Music] nope that's a failed wedding letter opt-in bank welcome kit there it is download that okay let's slide that let's keep sliding and this is i know craig we don't want to read all this but right there there is 31 mutual funds available from optum bank once they set up their account with optum bank there is going to be an awful lot of information this is basically a 10 000 foot overview of some of the rules and regulations some of the costs that are going to be associated with it if if for example you leave there's fees associated with you know if you're a non-lasso client anymore but i would say craig go through this information right there if you still got some questions we can dig deeper into anything that you want to uh but that optum bank msa welcome kit is i think brand new today so i think it was updated 10-1 that's brand new today folks so that's a i've read something similar to that i've not been able to go through everything but i will tell you that's some good information inside there good question craig okay we have a follow-up on the group question i'm not sure if i understand the answer you gave regarding groups can a company sign up if they have less than 20 employees on an individual basis anybody can do anything they want so if you can get inside of a group and people have signed up for part b you can sign them on individual products all day long as far as a group product which we've spent a year and a half and john's footed the bill for for doing this lasso themselves are the ones that pulled the group product off of the field until july of 2020 so the answer is no we have no group product to go forward with for 2021 at this time and so that was a lasso and an actuarial decision given the covet experience that we've got going through so see what next year looks like we'll just see what next year looks like uh what is the release policy with new horizons that's kind of a broad question i mean we kind of take it on a agent by agent basis but but uh we have new guys that come in that ask for a release up front that if they want to walk away they can walk away and we we comply with that of course we want guys that want to work with us so not really an issue [Music] all right that's all the questions we have well that's a great question and answer guys thanks guys so much