Alright. On today’s edition of Seed or Harvest Law Enforcement Edition, you’re gonna hear part two of health insurance. How does it affect you In the personal arena? You’re very used to having group insurance and all the benefits that come with being a government employee. What happens when you lose those benefits? Guess what? You’re gonna be fine. But listen to Officer Tai’s questions. They’re valid. And I’m gonna address a lot of concerns that I’m sure many of you have.

Uh, welcome to the Seed or Harvest Show, our law enforcement edition where we focus on financial education for police officers, law enforcement, federal state, county, across the board. You know, our, this is a financial education show for a variety of things that not only affect your life, but also affect your spouse, your children, your charities, and your legacy. We discuss everything from health insurance to pensions, wills, and trusts, to the best way for everyday tax planning. Our intention is to bring financial and legal professionals together with everyday people who need their help. We have real conversations with real people in this case, officer T, who have real questions and scenarios. I’m your host, Mario Ragga, and today as part of our law enforcement series. Okay. I’m happy to introduce our co-host, officer Ty, who is an 18 year law enforcement veteran here in Phoenix. So today we’re gonna talk about health insurance.

Part two. If you were, uh, if by chance you did see the first episode, we started breaking off, uh, questions about health insurance. There’s a lot of confusion about health insurance. Yeah. Uh, amongst those who are retiring, you know, uh, and today’s gonna be part two of that conversation. It is a very big topic, so I’m happy to continue on where we left off. And, uh, just a quick summary and recap of last, uh, episode. Uh, basically we were just trying to take back, uh, a lot of the basic questions of retiring. Yeah. Officers, it’s been made, uh, apparent to me that you a potential retiring officer here pretty soon. One of your big concerns is, what am I gonna do about health insurance for my family? Yeah.

I think that’s a big, not just me, it’s everybody. That’s why I think we’ve, we’ve said it before, a lot of guys will work longer than maybe they should because of the health insurance. Like they don’t have a, it’s expensive and it’s actually, you know, when you’re still working for the city, it’s not, not horrible, but when you’re not working for the city anymore or not working for, you know, whatever the agency you work for, it becomes expensive. And if you don’t have it planned out, then

It’s definitely, it is definitely gonna be a big expense compared to what you’re used to. Yeah. Very much. There’s no, there’s no question. And, and, uh, any retiring officer I know either is gonna tap into their pension immediately or they’re gonna have a second job and wait to pull on their pension so they can have a higher pension. Um, and unless you’re gonna get a job that’s gonna bring in a separate group plan, you definitely need to consider that being a, uh, you need to understand that line item expense. It is like a mortgage. Yeah. Right. There’s no, yeah,

There’s no or yeah. Or a car payment the way things are now. Yeah.

Or a car payment. That’s right. Yeah. It used to be a mortgage, but now it’s just equivalent of a car payment. Yeah. A car payment. No, that’s, that’s totally the case. So you know it, I’m happy to, you know, get a general understanding. Like I mentioned last time, you have no longer the concern about being insurable. Okay. So we talked about that last episode, that it’s guaranteed issue. Just like if you jump on a group plan at work, you know, with Obamacare, uh, available to everybody, it doesn’t matter if there’s a health concern on the table. Okay. You’re guaranteed issue insurance. We have no problem getting anybody insured. It doesn’t matter if they’re way overweight in the middle of cancer treatments, type one diabetic, it doesn’t matter. The insurance company has to take you, um,

The pro because that’s a big concern too, right. ’cause a lot of, you know, unfortunately, officers and firefighters or that’s one of the leading co I think it’s cardiac. Cardiac or what is it? Um, cardiac related, you know, issues. Issues. Mm-hmm . Or what a lot of officers die from once they retire, like their life expectancy is not fire.

Yeah. I think I saw it was like 67. Yeah. It’s, and I was surprised to see that police officers, the average lifespan was lower than fire. Yeah. I thought fire guys were lower than police. Well, they

Get to work out, they get to work out with or on duty.

Oh, I guess I never thought about that. That makes sense. Yeah. So that’s gaining, that’s gaining them a big extra year though. Yeah. Which I believe right now the average American lifes male lifespan, I wanna say is like 76. Whereas when I saw for law enforcement, it was like 66 and fire was 67. Yeah. On average. Which was really appalling to me.

Well were, I remember when I went to the academy, they told us like that it’s like an average, like, like five five to, I think it was like five to 10 years that a lot of officers die after they retire is in that like five to 10 years after they retire. Because it’s not just the like, you know, cardiac and things like that, but it’s like the stress, like you’re, you know, you spend 20 years, especially when you’re working with your stress levels, you know, through the roof and then

Seeing chaos and

Then you retire and all those stress levels come down and it just, you know, your system just can’t take it.

That makes sense. Somebody told me also was like kind of the sleep deprivation. Did you guys have really bad sleep patterns? And I don’t know if that, I mean how much that attributes to it, right? There’s

Definitely, I mean, there’s a lot more research out about the shift work disorder. So guys working like third shift. ’cause that’s not a normal time to be out. How many hours

Do, would you say you averages sleep? I know you don’t sleep much.

I mean, I don’t, I I honestly can get by with, I know they say like seven to eight, but I can get by probably six.

But is that what, what do you average though? Not

What get by probably six, maybe five to six.

Okay. Okay. I’ve heard that you average a little bit lower, but you would know

Yeah, five to six is probably, yeah.

The girls are lying. They’re telling me stories about you going to bed at 11. He is up at three.

This guy. I, I mean I do, I do, I, I don’t know. I try to go to bed earlier than I probably should then. I shouldn’t say should then what I do now, I should probably go to bed earlier just because of, you know, I work day shift now. So I mean, I, I need to be there by five. So I’m getting up at about 3 45 ish in the morning to get, you know, get ready and get to work. Right. So I probably should be going to bed at like, probably, I don’t know, 8, 8 30. But I definitely don’t do that.

So either way, it sounds like overall you guys have some fairly erratic sleep patterns. Yeah. The most part. And there’s just a lot of things that, that

Poor eating habits because like it, especially at night, you work at night

Eating

Randomly. There’s not a lot of, well it’s not even that. It’s that if you, you’re not preparing your food, there’s not a lot of options, healthy options when you’re working

. So got a whole section of carrots and bananas,

Jack, Jack in the box tacos at, you know, two in the morning or probably not your,

I never considered that. So, so it, it makes sense why there’s such a big concern about health insurance. Right. And, and so, um, you know, but again, rest assured you can definitely get insurance. The only problem is, is it’s gonna cost you more than what you’re used to. Yeah. The other problem that you have to look understand is that the, the network of providers that you have access to, um, through your group plan, especially through the city, you, you have a great network of providers. You have your insurance plan is a little more robust, um, as far as uh, upfront benefits as far as like chiropractic care probably and things of these up and you know, pt, things of that nature. Yeah. And in the private market market, um, you really, um,

Counseling sessions, that’s another big one. Yeah.

And so counseling, mental health benefits, rest assured those are all included. That’s part of the Obamacare law. Yeah. Is they have to cover mental health, they have to cover maternity, they have to take on all preexisting conditions. So there’s a lot of really good things that came outta the Obamacare law, whether you agree with Obama or not. Yeah. Let’s not get political. There was a lot of good things that were addressed. Okay. And, and you, these are things that are no longer a concern to you. So now what’s a point of concern is, okay, how much is it gonna cost me? Right. That’s a real, that’s a real line item. Yeah. ’cause you are not, none of you are going to qualify for the financial assistance that Obamacare is. Obamacare is not an insurance plan. It’s a government of financial assistance program to people to help make health insurance more affordable. Okay? Okay. Health insurance, the cost of insurance is still determined by the health insurance company.

Okay.

The government has basically said, Hey John Q citizen, we only want a certain percentage of your income to be paid towards the cost of health care. Okay. Okay. That’s what they basically made this kind of general understanding of. And so depending on your household, how many people are on your tax return, your household size Okay. And your age, that’s gonna determine the cost of insurance for your family. Okay. Your household and depending on, and then they’re gonna factor in how much you’re bringing in. So depending on how much you’re bringing in is what’s the government saying, Hey, we will help subsidize that. That is what Obamacare is. It is not an insurance plan. So for those people who financially qualify, it’s fantastic for those who don’t, it’s less fantastic. The fantastic side in this case is that you’re gonna get coverage. The downside is, is it might cost you quite a bit.

Like I, you know, I’m seeing a 63-year-old that’s paying somewhere between seven and $1,200 a month for just them. Gotcha. Okay. Right. So if you have 2 62 year olds, you and your spouse about the same age, it can, you know, you are looking 1500 to $2,000 Yeah. As a line item expense. There’s that car, small mortgage. That’s a lot. Yeah, it’s a lot. So you just need to plan on it, you know, and, and you need to factor it in. There are, there are alternatives, right. Some more affordable, some more affordable, some less affordable. And, and this is where within, in the, depending on your health, that’s what’s gonna drive and force your hand one direction or another. If you run into a broker like me, I represent a lot of carriers on exchange, which is healthcare.gov, Obamacare or off exchange. Um, I have a lot of options, but my, what I can offer to place you in is gonna be absolutely driven by your healthcare needs.

If you tell me I can, I have to keep this doctor, this doctor, this doctor, it’s gonna, it’s gonna pigeonhole, paint me into a corner for what options I have for you. If you tell me I have to have this prescription, that prescription, all these different prescriptions, again, it’s gonna, it’s gonna eliminate a lot of plans who start to strip out the benefits. So those who are healthy are gonna spend less in healthcare costs. Those are who have more ailments going on. Absolutely. We’ll spend more for a plan. Okay. There’s no question. But let’s, but let’s talk about the liability in the plan. Okay. Because I know per our last conversation, that was a real point of confusion, right? Yeah. And, and you’re not alone. That’s everybody. That’s the world at large. Nobody understands how these health insurance plans work. So let’s talk about that.

Now that we know you can get insurance. Okay. Okay. And let’s now, you know, okay, I can afford it. Okay. I’m getting my pension coming in, I’m doing off-duty work, I’ve got my second business, whatever. Yeah. You’re able to make the extra money to pay the extra thousand dollars a month that it’s costing you to be free from the police force. Yeah. Right? Yep. You got that covered. Now you’re within your plan. So let’s get in and dive deeper a little bit into how these plans work. Okay. So most of my clients get really confused about these three different things. Deductible, co-insurance, out-of-pocket maximum. Okay. Okay. And I think, uh, we kind of surfaced last time that you were kind of confused with that too. Yeah. So everybody seems to perfectly grasp deductible. Yeah. Right. You’re on the hook for the deductible first. Okay. So again, let’s talk about, um, let’s pretend we have a $2,500 deductible plan, 80 20 co-insurance, 8,000 out of pocket maximum.

What in the world does that mean? Right? Most of my clients don’t know that. So basically let’s say you, heaven forbid you got in a car wreck, let, you’re laid up in the hospital for a couple days, boom. A hundred thousand dollars worth of bills. Okay? It’s your fault you turned left in front of the car, caused the wreck, right? Yeah. So, so you’re not getting any help. It’s on you. Right. Insurance company or car insurance might jump in a little bit, but let’s just assume that the auto insurance is not jumping in on any kind of damages. Okay? Okay. So let’s just talk about this. A hundred thousand dollars worth of medical bills. So obviously you’re on hook for the first, what, 2,500? The deductible? Yeah. Right? You’re in a $2,500 80 20 plan with an 8,000 out-of-pocket maximum. Okay? Okay. So now all of a sudden we’ve applied the first 2,500, you know, you’re on the hook for it. That leaves a balance of 97,500. You’re in an 80 20 co-insurance and now you’re in your co-insurance phase. Right? So how much of that 97,500 is your responsibility?

Well, I just say that’s what I think where the issue came last time. ’cause I thought it was still, I’m trying to think ’cause we had kind of an example last time, but, so up to, so if I’m assuming I, I understand right, it’s just up to 8,000, that’s the most I’ll have to pay. That’s

Correct. Right? So in this, so most people would say why owe

20? But I didn’t know that last time. Most people

Would say that 20% of 97,500. Okay. Right. Most people would say, so I that’s roughly whatever, 20% of 19, you know, not everybody has the can be do the math. So 90, I’m gonna owe $19,000 more. Yeah. Right. And so on top of the

2000

On top, on

Top of 2,500.

Correct. And that is absolutely incorrect. Right? Okay. So you’re on the hook for 20% until that 20% value in combination with your deductible reaches $8,000.

Okay.

So the formula is deductible. 2,500.

Yeah.

Plus 20% until another 6,500 in bills that 20% equals another 6,500. Which those two together make 8,000, 8,000, oh, excuse me, 5,500. I can’t do math to the next 5,500 worth of co-insurance. The 20% and then it’s at 8,000. Then the insurance company covers 100%. So it didn’t, and, and if you go back into the hospital, ’cause there was complications and you got whatever, you have another in there another couple weeks ’cause of whatever happened from the complications, you’ve already fulfilled your 8,000 out of pocket maximum. Everything else is covered 100% for the rest of the year. So the plans do start over in a calendar year, every year they start over. So you’re not gonna have any additional healthcare costs, copays, medic medications, uh, you need any procedures done, any outpatient surgeries, anything like that, all covered 100% once you fulfilled your $8,000 out-of-pocket maximum.

Okay. So but you, like you’re saying with that, so that means like if I had the, whatever the fi we’ll just say fiscal year is December and December. So if I had it like November 20th and then it, you know, I paid my 8,000 but then it resets, I’m not having to start over again. It’s like you’re

Starting over January 1st. Gotcha. I have seen people have accidents December, so, so

December 30th. So would you saying that then, then I’d have to go up to another 8,000 then before it would? Correct.

Okay. So you can potentially be on the hook for another $8,000 that next year.

So depending timing wise, depending on what it is, it could be a little, I mean a lot more

Expensive. Still

Not as expensive. But it’s still,

Here’s the thing about it, it’s it, what intrigues me about it, we are all so quick to run out and finance a $40,000 car. Yeah. $20,000 car, whatever. We will go out and buy a car, buy a sofa, finance it all day long. We have no problems with financing stuff. And what people don’t realize about that $8,000 is they’re gonna put you on a payment plan immediately. If you can stroke a check, fantastic. Yeah. They’ll nego negotiate that down. They’ll probably take less than $8,000 if you can just pay ’em cash. They’re fully prepared to say, Hey Officer Ty, no problem. We’ll put you on a payment plan. Just give us 500 a month. Right.

Okay.

So this is where I try to talk to people off the ledge of saying, Hey, ’cause everybody comes to me. I want a low deductible plan. I want a low out-of-pocket maximum. Well, no you don’t. ’cause what the insurance company’s gonna do is jack up your rates in monthly premium. Yeah. And so you’re basically banking on being unhealthy when statistically speaking, you’re not gonna use this plan to max out. Yeah. So keep the money in your pocket, keep that extra $200 a month in premium, do a higher deductible, heaven forbid you have an incident. Well you have a stop-loss in place at out-of-pocket maximum. And at that point in time, well then start paying your extra $200 towards the payment towards the bill that you’ve created over at the hospital. Yeah. Right. Why pay upfront for a bill that you don’t have? And this is where I truly believe that most in health insurance companies have created these products based off of, um, confusing us to get us fearful of the unknown. Yeah. So that we all say I want the low deductible. Yeah. Right. Gimme the low deductible. See, but

Like I said, like we talked about last time, I didn’t know about that. Like that other limit, like the, you know, like with this example

How a bucket max. Yeah.

I didn’t know that. So

Nobody does. So don’t feel bad with that. Any of you, anybody that’s coming from the, the group insurance arena, the government employee, that’s always been a group insurance. You guys don’t think about it because you haven’t had to think about it. Yeah. That’s part of one of the benefits of becoming a government employee is you typically have had strong benefits. Right. So you can take that worry off the table. Unlike most of us in the private sector, self-employed, it’s been a big part of our life. Always. Yeah. And so we’ve had to figure it out sooner or later. And, but along the way we’ve wasted so much money buying outta fear until we finally have a situation. Right. Oh, there’s an out-of-pocket maximum. Oh, I didn’t need to pay extra for maternity. Yeah. Oh. You know what I mean? Yeah. So, so don’t feel bad is my point.

Don’t, don’t feel bad at all. Um, it’s terribly confusing. Find a good broker, uh, you know, you’re always welcome to reach out to me. I’m here to answer questions. Um, there’s a lot of great insurance agents out there, health insurance agents. Find somebody who’s been in the business over 10 years. The only way that they’ve been in business over 10 years. You, they’ve had to do a good job by their clients. Yeah, right. You know, not to say the rookies aren’t doing a good job, you just don’t, you’re gonna, you have a lot of people that fall off early on. Yeah. So it’s more of a crapshoot of knowing are they a good broker or not Good broker, you’ve run across somebody who’s been in business 10 years, you can rest assured they’ve had to, uh, keep clients happy and on the books to stay in the game. Yeah. Right. Because if they’re not, if they’re not answering phone calls and they’re giving bad guidance, will people leave? So they’re probably not a good broker.

Okay. Right.

So that, that’s kind of a, a benchmark that you could say.

Okay.

’cause other than that, how do you know? Yeah.

You don’t know. You,

You just don’t know. I mean, you, it doesn’t matter what industry. Good cop, bad cop, we all, you know, we see people do the right thing 98% of the time. The 2% we see terrible things. Yeah. You know, there’s just, so it’s just, it is what it is. So let’s see. What other kind of questions pertaining to health insurance can we address at this point? You know, one of the things I think that maybe should be addressed is dental and vision. Okay.

Okay. Yeah.

Because you guys, um, obviously I would assume your hearing’s gotta be shot shooting guns. I mean, you surely can’t. Well

If you don’t have protection, if you’re not wearing like your protection Yeah. You’re gonna ruin your ears. And you know, if you happen to unfortunately get into a shooting while you’re working, you’re not wearing your protection when that happens. So

Those sirens. Yeah, sirens. I mean, hows, I mean, you’re out there in the, you know, and there’s a siren what happens when the ambulance pulls up blasting? Yeah. You know, I mean you guys have surely have gotta be, have, be exposed to some hearing loss.

Well, I’ll say a lot of, a lot of guys wear ear pairs, earpiece, uh, ear pieces in there. I wear one at night because just, it’s kind of a safety issue. Um, officer safety. But a lot of guys will wear ear pieces, so Oh,

Okay. So you guys are proactive. Yeah. The force, a lot of people are proactive at recognizing you’re around a lot of loud sounds.

I ear pieces as, as in like, with like my radio. So that way it’s not broadcasting out so people can hear it. So officer safety wise, I’m the only one hearing stuff that’s coming across the radio, but it’s also in one ear, you know, and depending on how loud you keep it, it could be ruining.

Oh, I didn’t think about that. Yeah. So you constantly have an earphone in there. Yeah. So it’s, it’s, that’s, yeah, it

Could be. And if you have it up turned up high, it could be, you know, damaging.

Okay. So let’s talk about that a little bit. Pertain. ’cause it’s another point of confusion for people. So hearing aids are not part of your health insurance. Hmm.

Okay.

Okay. You Right. So health insurance will kick in at certain points. Um, like if you were to have an accident,

Okay? Right.

And then you were to have an ear damage Okay. From, from an accident type situation. But outside of that, just from normal everyday hearing loss because you went to Van Halen and blasted it out when you’re 16, like I did and I’m now, I’m partially deaf from listening to loud music as a kid, uh, my health insurance plan is not going to cover my hearing aid. Right. And

I do. So for you or for like an officer,

I’m talking for anybody in the private sector by a private plan. When you leave, you’re,

So when you leave, okay. When you say, when I, if we, when we leave,

I do not, group plans can vary. So when you’re with the department, you’re gonna have the group plan that they’ve created for you, that you’ve aligned that the company, not the company that the government aligned themselves with, the Blue Cross Blue Shield plan or United, whoever you’re with Uhhuh , there are times where they will bring in additional added benefits. Okay. Okay. And so the, right now what we’re talking about is when you retire, when you leave out of that bubble, what do you have on the outside? Gotcha. Okay. Okay. So everything I’m saying is gonna be in that situation. Okay? So I’m assuming you’ve retired. Now all of a sudden you’re like, Hey, I need hearing aids,

Need to get a hearing check, need said they not

Covered. Hearing aids are not covered. You can get a hearing test sometimes certain plans, right? So there is separate insurance in many cases to help cover that. But typically, most, most plans do not cover hearing aids. So same thing kind of goes with vision. Vision is also not covered. So you have to have a separate vision plan. Dental insurance is not covered, right? Yeah. Separate dental plan. So these plans are, these plans are out there and it’s just, um, and, and now I’m even seeing plans that, that are covering all three. They bring benefit for audio, audible, visual and dental. I’m seeing that becoming a little more common in the marketplace. Yeah. And so it’s bringing a little bit of benefit, but even still, none of ’em are like true, like full on insurance. They’re, they’re what are called indemnity plans more or less. Meaning that they have a limit to what they’re gonna cover. Okay. So even on a dental plan, you might buy a dental plan that says, Hey, well we’re gonna cover two cleanings a year and a few other things at the basic level services. But your major services like a root canal and things like that,

Or like an orthodontist appointment or something.

Any well, orthodontia is off the table. Um, there’s nothing for orthodontia. Very few plans. I mean, that’s almost non-existent. It’s, that’s a unicorn. There are handful there. So

Braces and things like that are not Yeah.

Anything cosmetic is done. Right. This is, this is more for cavity fill, pain, root canal.

But that’s only for like, I’m retired and looking for it.

I have, I’m not talking about what you have access to within the department. Okay. Okay. A hundred percent outside of the department, you’ve retired. Okay. All right. So when you get out there, the dental plan you’re looking at is gonna have a limit. And gu I’m sure your dental plan likely does as well. You know, that you currently have, I’m sure it has a limit to what they’re gonna cover. And, and, and, and the limit in the sense of a dollar figure limit. Okay? So many plans have a thousand, 1500, 2000. Occasionally you’ll find a 3000 limit. But that’s pretty rare. Um, plan. But what they don’t tell you is that they say, Hey, these, this includes cleanings, right? You get two cleanings a year and you have a $1,500 cap total that we’re gonna pay. Well those cleanings accrue towards that $1,500. Right? So, so the cost of paying the dentist was another $200 per cleaning.

Well now all of a sudden you’re $400 in, you go to get that root canal, right? They’re gonna try to charge you two grand. You’re like, oh good. Well I have $1,500 worth of coverage. It’s only, no, you’ve already burned $400 of that. Okay. Right. So there’s just little things with these plans to be aware of. And so there is these, the dental plans, I now fully, I believe in them. ’cause they will make sure that you get your, you know, you get your money out of them if you just get your teeth cleaned. Yeah. Right. Just get your teeth cleaned and you’re, you’re even at that point. Okay. And then anything above and beyond, you know, it’s just, it helped offset your costs. I mean, if you go and get some new tires on your car, wouldn’t be great to get $200 off your tires.

Hell yeah. Yeah. You know, so that’s where you have to look at it. I mean there’s just, it’s a line item cost. You know, you’re gonna have to get tires who wouldn’t like getting some of their costs offset. And that’s what dental insurance kind of is. Yeah. You know, it just, it’s, it’s maintenance. It’s coming, it’s, you know, keeping track of your teeth because the teeth are the direct connect to your heart. Right. A lot of people don’t understand by keeping a healthy mouth keep, which is where all the bacteria really Yeah. Festers and, and then all of a sudden they, that’s

A whole other conversation’s.

A whole lot of heart disease comes directly out of our mouth. And so it’s to your benefit to stay healthy. So a lot of tricks. So vision insurance, let’s just talk about that really quickly. So vision insurance is similar to dental in the sense where it’s gonna come with a cleaning included. Right? Okay. They say it’s cleaning’s included and then from that point they’re gonna say, well we’re gonna, we’re gonna give you a benefit for um, you know, a hundred dollars. We’re gonna include some basic frames and basic lenses. Okay. Right. And then they’ll Yeah. If you need ’em, if you need ’em, if you need ’em. So you get in there. So they’re gonna let you go in there and get tested at no additional cost. Right. Other than your premium. They’re gonna cover the cost of the, to go to Costco, Walmart, wherever you like to go.

Yeah. Likely a lot of these plans get your test. They come back, oh, you need some bifocals, you’re nearsighted, whatever. So the plans a lot of times will cover again, basic lenses, basic basic uh, frames and or they’ll give you, um, an allotment say a hundred dollars towards frames of your choice. Okay. Because you know, some of those frames are pretty expensive about there. Mm-hmm . So that’s kinda how it works in that arena. Or you can apply a couple hundred bucks towards contacts. Right. But it’s not like comprehensive, like we’re gonna cover all of your cost of glasses. We’re gonna cover a year’s worth of contacts. So just be prepared. That’s just another additional cost. Okay. Right. So there’s just tricks in this arena. Again, this is why it’s real important that you have a, a good broker to help teach you these tricks. You know, I’m gonna encourage a guy like yourself to get into an HSA so that way you’re putting pre-tax money in your plan. I’d be beyond the cost of your health insurance, but you’re nestling money away getting a tax deduction today. Yeah.

That’s what I have right now. Perfect. I need

To say. And that way when you do go to get the frames, you’re using pre-tax dollars to pay for it. Yeah. When you go to get your dental work done. Pre-tax dollars to pay for it. Right. But not everybody understands the HSA. So they need to again, get a good broker to explain why an HSA is so powerful for

You. I mean, honestly, I still don’t understand ’em a hundred percent too. So maybe that can be another

Okay. So, because

I actually would like to know more about HSAs. ’cause I have one now. Okay.

So let’s, so let’s, uh, cut it off at this point. And um, I guess that’s a wrap. Another one down, another

One down.