WEBVTT - SHARP 4 Medicare !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 00:00:27.100 --> 00:00:??.000 !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 00:00:00.100 --> 00:00:02.100 (Warm guitar instrumental) 00:00:03.000 --> 00:00:05.000 Hello, everybody. Welcome to SHARP. 00:00:05.100 --> 00:00:08.000 I'm Natalie Toalson and there are seven of us on the SHARP team now-- 00:00:08.100 --> 00:00:11.000 --some of us which you will get to meet today. 00:00:11.100 --> 00:00:15.000 Brian Kasper and I own and operate SHARP together. 00:00:15.100 --> 00:00:18.000 SHARP stands for Senior Health and Retirement Professionals. 00:00:18.100 --> 00:00:22.000 That was the company that Brian and I founded back in 2005. 00:00:22.100 --> 00:00:27.000 We came together as independent agents here in Yavapai county. 00:00:27.100 --> 00:00:32.000 And the way all that history started was actually prior to 2005-- 00:00:32.100 --> 00:00:35.000 --when I met Brian Kasper as a coworker at Humana. 00:00:35.100 --> 00:00:42.000 Back in the Humana days, we only sold Medicare plans for that one company. 00:00:42.100 --> 00:00:47.100 If you and I sat down and went over the program I had available and-- 00:00:47.200 --> 00:00:51.000 --it wasn't a fit for you, I wasn't allowed to sell you anything else. 00:00:51.100 --> 00:00:54.000 I was what is called a 'captive agent' and so was Brian. 00:00:54.100 --> 00:00:57.100 What Brian and I have created with SHARP is the ability to help you-- 00:00:57.200 --> 00:00:59.000 with any of the plans. 00:00:59.100 --> 00:01:02.000 Yavapai county has grown over the years and you have seen this-- 00:01:02.100 --> 00:01:07.000 --because when we started up here back in 2004 there was one plan-- 00:01:07.100 --> 00:01:12.000 then there was two plans. And it held at two plans for years. 00:01:12.100 --> 00:01:15.500 There were only two companies. The big dogs. They were up here. 00:01:15.600 --> 00:01:19.000 But over the years we have seen so many changes and advancements-- 00:01:19.100 --> 00:01:21.500 --and growth in Yavapai county. 00:01:21.600 --> 00:01:25.400 What was once considered a rural market -- this is no longer that. 00:01:25.500 --> 00:01:29.000 We now have 14 different plans next year. 00:01:29.100 --> 00:01:32.500 As you examine your choices, do you really want to work with-- 00:01:32.600 --> 00:01:35.500 --someone who, number one, only represents one program? 00:01:35.600 --> 00:01:38.000 And can only sell you that one plan? 00:01:38.100 --> 00:01:41.000 And, number two, do you really want to work with someone who-- 00:01:41.100 --> 00:01:43.200 --dabbles in Medicare? Because that's not SHARP. 00:01:43.300 --> 00:01:47.000 We do this year round and this is all we do. 00:01:47.100 --> 00:01:49.000 We're not going to call you in the middle of the year and-- 00:01:49.100 --> 00:01:53.000 --sell you an annuity or a life insurance plan or ask you about-- 00:01:53.100 --> 00:01:54.000 --your auto coverage. 00:01:54.100 --> 00:01:55.100 That's not it. 00:01:55.200 --> 00:01:57.000 Medicare is complicated enough. 00:01:57.100 --> 00:02:00.000 We are the experts and this is all we've done. 00:02:00.100 --> 00:02:03.000 Brian's been doing this -- I tease him over 40 years but-- 00:02:03.100 --> 00:02:05.000 --I think it's 39 years. 00:02:05.100 --> 00:02:08.500 And Carlos, he's 38 years in the business. 00:02:08.600 --> 00:02:14.100 So we bring a ton of experience and we're growing our team as we've grown. 00:02:14.200 --> 00:02:17.500 So you'll see new faces. A lot of you saw last year that we-- 00:02:17.600 --> 00:02:21.600 --added Michelle to our team, and Dana, and Melonie. 00:02:21.700 --> 00:02:25.200 We have some new surprises and some real experts coming in-- 00:02:25.300 --> 00:02:29.500 --from Yavapai county that are already established within your-- 00:02:29.600 --> 00:02:32.500 --community that have joined forces for next year with SHARP. 00:02:32.600 --> 00:02:34.500 And the last member of the SHARP team that we haven't properly-- 00:02:34.600 --> 00:02:37.000 --introduced is my husband, Chuck Keatley. 00:02:37.100 --> 00:02:39.600 He is behind the scenes for all things tech. He helps us-- 00:02:39.600 --> 00:02:43.000 --with our online enrollments. He helps us with our phone systems-- 00:02:43.100 --> 00:02:47.600 --so that when you call us, all of our phones ring at the same time. 00:02:47.700 --> 00:02:50.500 That's how you get ahold of us so smoothly and quickly. 00:02:50.600 --> 00:02:53.500 And finally, for his wonderful help with our videos this year. 00:02:53.600 --> 00:02:58.000 The reason we're growing at such a rate is because this upcoming-- 00:02:58.100 --> 00:03:02.000 --year is going to be challenging to do seminars. 00:03:02.100 --> 00:03:04.300 They're not supported by the carriers -- meaning the Aetnas-- 00:03:04.400 --> 00:03:07.200 --the Uniteds, the Humanas -- they're not supporting large meetings. 00:03:07.300 --> 00:03:11.500 And that's unfortunate. We love seeing your happy, smiling faces. 00:03:11.600 --> 00:03:14.500 But we want to stay safe. We want to keep you all safe. 00:03:14.600 --> 00:03:18.500 As a result, we are going to do some virtual meetings this way-- 00:03:18.600 --> 00:03:21.500 where I'm presenting to you, on camera, and talking to you about-- 00:03:21.600 --> 00:03:24.500 --the different programs and you're able to watch it from-- 00:03:24.600 --> 00:03:26.600 --the comfort and safety of your home. 00:03:26.700 --> 00:03:30.500 The other option is to give us a call and say, "You know what, Nat?" 00:03:30.600 --> 00:03:31.500 "I didn't want to watch that." 00:03:31.600 --> 00:03:34.500 "Thank you for sending it to me but I'd rather just talk to you--" 00:03:34.600 --> 00:03:36.000 "--on the phone or meet with you in person." 00:03:36.100 --> 00:03:39.100 And we can do that. We can get together at a coffee shop-- 00:03:39.200 --> 00:03:39.800 --as needed. 00:03:39.900 --> 00:03:42.700 Or we can spend an hour or two on the phone. It's no problem. 00:03:42.800 --> 00:03:46.000 We want to keep your business. We want to earn your business. 00:03:46.100 --> 00:03:50.000 So those of you who have worked with us in the past, please-- 00:03:50.100 --> 00:03:52.500 --continue to work with us. Let us help you next year. 00:03:52.500 --> 00:03:56.500 We can review your current plan that you're on and, as you know-- 00:03:56.600 --> 00:04:00.500 --if you decide to stay on your plan, you don't need to re-enroll. 00:04:00.600 --> 00:04:04.800 If you decide to enroll in a different program, let SHARP help you with that. 00:04:04.900 --> 00:04:09.500 We can help you by phone, we can help you in person, and we can-- 00:04:09.600 --> 00:04:10.900 --help you electronically. 00:04:11.000 --> 00:04:12.500 We will make it work. 00:04:12.600 --> 00:04:15.500 We want to keep your business. It's important to us. 00:04:15.600 --> 00:04:16.800 This is how we earn our living. 00:04:16.900 --> 00:04:19.500 We are not employees of an insurance company, which means-- 00:04:19.600 --> 00:04:23.500 Brian, myself, Carlos -- full time -- this is all we do. 00:04:23.600 --> 00:04:28.500 And by you staying with SHARP, we earn a commission. 00:04:28.600 --> 00:04:32.400 That commission is regulated by the federal government and by Medicare. 00:04:32.600 --> 00:04:36.500 I have no incentive to tell you that one program is better than the other. 00:04:36.600 --> 00:04:41.500 My only incentive -- my true calling -- is to put you in the best plan-- 00:04:41.600 --> 00:04:43.500 --for your needs so that you're happy with us. 00:04:43.600 --> 00:04:46.500 And throughout the year, what I give in you exhange for that-- 00:04:46.600 --> 00:04:50.500 --is access to myself, Brian, Carlos, and Michelle. 00:04:50.600 --> 00:04:55.500 The insurance industry is evolving so that next year, some of the-- 00:04:55.600 --> 00:04:57.000 --plans will let me change your doctor for you. 00:04:57.100 --> 00:05:02.500 I won't have to tell you, "Sorry Joe, you'll have to call in to the insurance company." 00:05:02.600 --> 00:05:05.500 I can do that for you next year. This is new stuff. 00:05:05.600 --> 00:05:09.000 They're always changing. The rules are changing. The plans are changing. 00:05:09.100 --> 00:05:11.500 The plans are growing. It's confusing. 00:05:11.600 --> 00:05:14.400 That's why we specialize in Medicare. 00:05:14.500 --> 00:05:18.000 And that's why SHARP is your advocate for all Medicare plans. 00:05:18.100 --> 00:05:21.000 Thank you for listening and taking the time to watch our videos this year. 00:05:21.100 --> 00:05:23.500 We appreciate our clients more than ever. 00:05:23.600 --> 00:05:26.400 I know this is a hard year not meeting in person. 00:05:26.500 --> 00:05:28.500 One of the things we want to mention is that we know what a-- 00:05:28.600 --> 00:05:32.500 --unique year this is. It's hard and we're doing some of this on video-- 00:05:32.600 --> 00:05:34.000 --instead of in person. 00:05:34.100 --> 00:05:37.000 Many of you have worked with us in the past and we're hoping to-- 00:05:37.100 --> 00:05:41.500 --get back to face-to-face seminars or in-person appointments next year. 00:05:41.600 --> 00:05:43.200 We can't wait to see you guys. 00:05:43.300 --> 00:05:47.500 But you may also have friends and family that can't get ahold of their agents. 00:05:47.600 --> 00:05:50.000 And that's understandable, this is an interesting year. 00:05:50.100 --> 00:05:55.200 It's a hard year. And some of these insurance agents may not-- 00:05:55.300 --> 00:05:58.000 --have been ready to pivot to a virtual environment like this. 00:05:58.100 --> 00:06:01.000 Or to a phone session. But we are. 00:06:01.100 --> 00:06:04.000 So let us help your friends and family if you hear within the-- 00:06:04.100 --> 00:06:08.500 --community about people who don't have anybody to give them Medicare advice. 00:06:08.600 --> 00:06:14.400 Or are just lost because they had somebody they can't reach now. 00:06:14.500 --> 00:06:16.500 Give them SHARP's name and number. 00:06:16.600 --> 00:06:18.800 We will meet them -- and meet you -- where you are. 00:06:18.900 --> 00:06:22.200 So thank you again for watching our videos. 00:06:22.300 --> 00:06:24.000 And please send us your friends and family. 00:06:24.100 --> 00:06:27.000 We love referrals and we appreciate you all so much.