WEBVTT 1 00:00:01.399 --> 00:00:06.000 It's Nightside with Dan Ray on de Bezy, Boston's news 2 00:00:06.080 --> 00:00:09.240 radio New Nicole. I think if the Bruins could play 3 00:00:09.279 --> 00:00:11.919 the Maple Leafs every game, I think there should be 4 00:00:11.919 --> 00:00:14.839 in the playoffs. They have the Maple Leafs number, that's 5 00:00:14.839 --> 00:00:16.559 for sure. My name is Dan Ray. Hope you have 6 00:00:16.600 --> 00:00:19.920 our number six one, seven, two, five, four, ten thirty. 7 00:00:20.079 --> 00:00:24.000 As we start a Tuesday night edition of Nightside, Brett 8 00:00:24.039 --> 00:00:27.199 Jennick is back in the control room. Brett and I 9 00:00:27.239 --> 00:00:31.000 have worked many years together that haven't worked recently. Rob 10 00:00:31.039 --> 00:00:33.840 Brooks is under the weather for a second night in 11 00:00:33.840 --> 00:00:35.920 the robe, but I talked with Rob today. I think 12 00:00:35.920 --> 00:00:39.079 you'll be back tomorrow night. But it delighted to have 13 00:00:39.359 --> 00:00:41.719 Brett with us. There's no one who does a better 14 00:00:41.840 --> 00:00:44.280 job than Brett as far as I'm concerned. So be 15 00:00:44.600 --> 00:00:48.640 very kind and Brett will set you up when we 16 00:00:48.719 --> 00:00:50.960 begin taking phone calls after nine o'clock. And just to 17 00:00:51.039 --> 00:00:54.439 remind you, we will be talking with the new newly 18 00:00:54.479 --> 00:00:59.920 appointed Massachusetts US Attorney Leah Foley about what her priority 19 00:01:00.200 --> 00:01:04.640 are in that very important, I think, no question, the 20 00:01:04.680 --> 00:01:09.560 most important. With all apologies to the Attorney General Authocomwalth Massachusetts. 21 00:01:09.599 --> 00:01:13.200 The most the single most important law enforcement office in 22 00:01:13.359 --> 00:01:17.400 the entire state. And then later on tonight, there's some 23 00:01:17.560 --> 00:01:22.159 developments going on in Ukraine. Apparently President Zelensky is going 24 00:01:22.239 --> 00:01:25.680 to be at the White House later this week, perhaps 25 00:01:25.719 --> 00:01:30.400 on Friday, and we will be looking at the changes 26 00:01:30.680 --> 00:01:34.879 in our policy towards Ukraine and Russia as it has 27 00:01:34.920 --> 00:01:37.959 evolved in the last month. Beginning at ten o'clock. But 28 00:01:38.120 --> 00:01:40.560 first we start off, as we always do, with four 29 00:01:40.680 --> 00:01:44.959 very interesting guests. Joining us is Phil Tracy, Attorney Phil Tracy, 30 00:01:45.000 --> 00:01:47.120 Phil welcome back to night, said, how are you this evening? 31 00:01:47.319 --> 00:01:49.040 Thank you Dan, thanks for having me on. 32 00:01:49.879 --> 00:01:55.079 You have been following the Karen Reid hearing, and to 33 00:01:55.239 --> 00:01:59.519 many people, this seems to be very confusing. It is 34 00:01:59.599 --> 00:02:04.040 a red perspective of what went on during the first trial, 35 00:02:04.159 --> 00:02:10.360 and I think it's a question of honesty and discovery. 36 00:02:11.000 --> 00:02:13.439 Maybe you can break it down so we all can 37 00:02:13.599 --> 00:02:16.879 understand better what is at stake. The judge seems quite 38 00:02:17.000 --> 00:02:21.759 upset with specifically one of the defense attorneys, the lead 39 00:02:21.840 --> 00:02:25.159 defense attorney at trial, Alan Jackson, give us up, give 40 00:02:25.240 --> 00:02:27.280 us kind of a hits, runs and errors about what 41 00:02:27.360 --> 00:02:29.479 the heck's going on here. You've been in this situation. 42 00:02:29.599 --> 00:02:32.000 Not in a bad situation, but you've been in plenty 43 00:02:32.000 --> 00:02:34.280 of courtrooms as a defense attorney. 44 00:02:35.560 --> 00:02:40.439 Yes, it's a confusing situation because what it's about is 45 00:02:40.719 --> 00:02:48.800 the discovery rules and the reciprocal applying of playing by 46 00:02:48.840 --> 00:02:51.960 the rules. And I can tell you right now from 47 00:02:52.000 --> 00:02:57.400 body language that the judge is mad. The defendant is 48 00:02:57.879 --> 00:03:01.120 not part of this whole thing, but it's going to 49 00:03:01.159 --> 00:03:04.879 affect her a big time in this next trial because 50 00:03:04.919 --> 00:03:08.680 Alan Jackson is very nervous and that's why he hit 51 00:03:08.759 --> 00:03:12.680 somebody else. Speaking for him today, I think he's nervous 52 00:03:12.719 --> 00:03:14.960 that he's going to be ejected from the case. Now, 53 00:03:15.000 --> 00:03:18.039 remember he's not a member of the Massachusetts bar. He 54 00:03:18.159 --> 00:03:21.120 must come in as I do in other states. You've 55 00:03:21.159 --> 00:03:24.240 got to petition to get in pro hoc fea cheek 56 00:03:24.319 --> 00:03:27.599 for this one thing. Only he's here for this trial. 57 00:03:28.120 --> 00:03:32.400 He's sponsored in by probably David Yannetti, and he shows 58 00:03:32.879 --> 00:03:35.639 wherever state he's from, he shows that he's in good 59 00:03:35.680 --> 00:03:39.919 standing with the bar. Now this could have ramifications for 60 00:03:40.080 --> 00:03:45.520 him since he considers himself an attorney that crosses the 61 00:03:45.599 --> 00:03:50.879 country to try big cases. So it's very important for 62 00:03:51.120 --> 00:03:55.159 him going forward and for her to keep him on 63 00:03:55.199 --> 00:03:59.199 the case since he's already tried one case, but the 64 00:03:59.319 --> 00:04:02.879 judge could sanction him in that way. They judge could 65 00:04:02.879 --> 00:04:08.639 also exclude the testimony, and that testimony was very valuable 66 00:04:08.960 --> 00:04:16.040 to the defense. That testimony said that the injuries that 67 00:04:16.079 --> 00:04:22.279 the decedent suffered were not consistent with a motor vehicle crash, 68 00:04:22.639 --> 00:04:26.319 and that in itself probably caused a lot of reasonable 69 00:04:26.319 --> 00:04:29.920 doubt in the jurors minds. The problem is with that. 70 00:04:30.519 --> 00:04:34.839 If they don't have that, what they will have is 71 00:04:34.879 --> 00:04:39.040 the experts from the Commonwealth side, which say the following, 72 00:04:39.399 --> 00:04:44.600 she drove twenty five miles an hour in reverse sixty 73 00:04:44.720 --> 00:04:48.439 feet and hit him. Now, whether she did that on 74 00:04:48.560 --> 00:04:52.240 purpose or whether that's the question, and that's what we'reld 75 00:04:52.439 --> 00:04:53.279 I'll find out. 76 00:04:53.480 --> 00:04:55.759 Yeah, just to put that in perspective, if you're driving 77 00:04:56.279 --> 00:05:02.240 twenty five miles an hour and traverse sixty feet, it 78 00:05:02.519 --> 00:05:05.000 probably takes two or three seconds. I mean, if it's 79 00:05:05.000 --> 00:05:08.000 fairly quick, you can go as if you go in 80 00:05:08.120 --> 00:05:11.759 sixty and go eighty eight feet a second. So if 81 00:05:11.759 --> 00:05:15.480 you even if you go in twenty five, it's you know, 82 00:05:15.560 --> 00:05:19.319 maybe two seconds, and you can have that impact pretty quick, 83 00:05:19.319 --> 00:05:22.439 pretty quickly. I'm not a math major. The other question 84 00:05:22.720 --> 00:05:29.600 is I assume that even if they lose these expert witnesses, 85 00:05:30.839 --> 00:05:32.759 the Red defense team will be able to go out 86 00:05:32.759 --> 00:05:36.199 and find other expert witnesses to put on the witness stand. 87 00:05:36.879 --> 00:05:40.879 The question evolved here as I understand that is there's 88 00:05:40.920 --> 00:05:46.920 almost like a timing question whether or not Jackson agreed 89 00:05:47.199 --> 00:05:51.720 in advance to pay for the testimony of these expert 90 00:05:51.759 --> 00:05:56.720 witnesses and did not share that at trial and prior 91 00:05:56.759 --> 00:05:59.279 to it to the end of the trial. And I 92 00:05:59.319 --> 00:06:04.399 think that his lawyer, this fellow Alessi, who's made a 93 00:06:04.439 --> 00:06:07.079 pretty good presentation, was saying that they weren't presented with 94 00:06:07.160 --> 00:06:11.360 a bill by these experts until some days after the 95 00:06:11.399 --> 00:06:14.160 trial had concluded. So there's kind of a timing mechanism 96 00:06:14.240 --> 00:06:15.199 going on here as well. 97 00:06:15.240 --> 00:06:16.959 I believe there's no question about that. 98 00:06:17.079 --> 00:06:21.319 But it doesn't smell right, you know, no question who 99 00:06:21.319 --> 00:06:25.920 are in the business, let's say practicing trial and journees 100 00:06:26.079 --> 00:06:30.519 doesn't doesn't look good, doesn't pass the eye tests. In 101 00:06:30.560 --> 00:06:36.199 other words, he's in here acting kind of bombastically in 102 00:06:36.360 --> 00:06:40.879 court and style that you know, things like we've won 103 00:06:40.920 --> 00:06:44.319 the case. Almost he's almost said such like that. So, 104 00:06:44.920 --> 00:06:47.120 I mean, this is going to take him down a pick. 105 00:06:47.600 --> 00:06:51.680 I think he's hoping him praying and so may Karen 106 00:06:51.720 --> 00:06:54.639 read that he can stay on the case, but the 107 00:06:54.680 --> 00:06:59.240 next time around, sometimes it favors the prosecution. Now we 108 00:06:59.279 --> 00:07:03.439 have a new special prosecutor there. His name is Brennan, 109 00:07:03.920 --> 00:07:08.959 Brennan's lawyer, and you know he's doing a pretty good 110 00:07:09.040 --> 00:07:10.040 job I think for them. 111 00:07:10.360 --> 00:07:14.800 Yeah, no's he certainly has taken as a different look 112 00:07:14.839 --> 00:07:16.839 at it. Let's put it like that. Phil has always 113 00:07:16.879 --> 00:07:21.120 appreciate your help and participation, so we can follow all 114 00:07:21.120 --> 00:07:23.560 of this along. We'll talk to thanks very much, Phil Tracy, 115 00:07:24.000 --> 00:07:27.040 longtime Boston criminal defense attorney. When we get back here 116 00:07:27.079 --> 00:07:29.439 on nights that we're going to talk about a problem 117 00:07:29.439 --> 00:07:32.600 that a lot of Americans have right now, drowning in debt. 118 00:07:33.199 --> 00:07:36.439 We've gone through a few tough years of inflation, a 119 00:07:36.439 --> 00:07:38.720 lot of us have piled up debt. Overall debt has 120 00:07:38.800 --> 00:07:44.680 increased by half of one percent, up to eighteen trillion dollars. 121 00:07:44.720 --> 00:07:47.600 I mean, the federal deficit is about thirty six point 122 00:07:48.120 --> 00:07:52.839 six trillion dollars, so on top of that about fifty 123 00:07:52.879 --> 00:07:55.600 percent more personal debt. We're going to talk with an 124 00:07:55.600 --> 00:07:59.279 expert on that. The CEO of a company called health Walk. 125 00:07:59.319 --> 00:08:01.120 Come back on night Side. My name is Dan Rey. 126 00:08:01.160 --> 00:08:06.000 You listening to WBZ Nightside on WBZ ten thirty Am 127 00:08:06.120 --> 00:08:08.040 on your AM dial. That's right, if you listen to 128 00:08:08.199 --> 00:08:10.240 us in your car radio, lock us in anywhere. Back 129 00:08:10.279 --> 00:08:13.639 on Nightside. We'll begin taking phone calls in the nine 130 00:08:13.639 --> 00:08:16.480 o'clock hour. No phone calls this hour. Back on nightside 131 00:08:16.519 --> 00:08:20.759 right after this. Well, we keep also statistics in this country, 132 00:08:20.759 --> 00:08:24.519 whether it's in sports or levels of debt. And Americans 133 00:08:24.560 --> 00:08:28.879 are apparently now drowning in personal debt. We're drowning on 134 00:08:29.079 --> 00:08:33.679 public debt, the entire debt of the country. But joining 135 00:08:33.759 --> 00:08:36.799 us is Scott Sporanza. He's the CEO of a company 136 00:08:36.799 --> 00:08:40.279 called Healthlock. First of all, Scott, what does healthlock do? 137 00:08:40.519 --> 00:08:42.559 What type of company A is Healthlock? 138 00:08:44.240 --> 00:08:44.480 Hey? 139 00:08:44.600 --> 00:08:48.480 Dan, thanks for having me. So Healthlock is a is 140 00:08:48.919 --> 00:08:53.039 a software as a service, you know, after even where 141 00:08:53.200 --> 00:08:58.559 we automatically verify all your healthcare transactions, so medical dental 142 00:08:58.679 --> 00:09:02.519 vision RX, we're automatically looking at those and we can 143 00:09:02.559 --> 00:09:05.759 talk about how and then we're telling the consumer good 144 00:09:05.759 --> 00:09:09.720 to pay because it was transacted and priced fairly or 145 00:09:09.879 --> 00:09:13.480 flag there's something wrong with this, and our company has 146 00:09:13.519 --> 00:09:17.080 saved our subscribers over one hundred and thirty million dollars. 147 00:09:17.559 --> 00:09:21.399 Wow, I should have used you when I was using 148 00:09:21.879 --> 00:09:24.759 an HSA account. I got so much aggravation for the 149 00:09:24.960 --> 00:09:29.399 HSA account, challenging everything, and you know, twenty dollars or 150 00:09:29.519 --> 00:09:33.000 thirty dollars doctor visits, code pays and you'd have to 151 00:09:33.080 --> 00:09:37.600 send them information and documentation and then they tell you 152 00:09:37.639 --> 00:09:42.080 they lost that you had to resend it. I should 153 00:09:42.120 --> 00:09:44.159 have been in touch with you back then, But that's 154 00:09:44.200 --> 00:09:46.879 not what we're talking about tonight. I got rid of 155 00:09:46.960 --> 00:09:49.440 the HSA company by the way. I just it wasn't 156 00:09:49.440 --> 00:09:51.879 worth it. I'd rather pay the extra taxes than go 157 00:09:51.960 --> 00:09:56.399 through the I'm serious, than go through the aggregation. Just 158 00:09:56.879 --> 00:10:00.720 was horrible, horrible. Well, another thing is horrible is we're drowning. 159 00:10:00.759 --> 00:10:03.200 Americans were drowning in debt. We're drowning in the federal 160 00:10:03.720 --> 00:10:07.320 debt of thirty six point six whatever it is. Havening 161 00:10:07.399 --> 00:10:09.000 checked it in the last five minutes. It could be 162 00:10:09.039 --> 00:10:12.960 thirty six points seven trillion dollars in the last five minutes. 163 00:10:13.320 --> 00:10:18.559 But Americans are also assuming and taking on incredible debt 164 00:10:18.799 --> 00:10:24.360 themselves with when interest rates are high, and what's going 165 00:10:24.440 --> 00:10:27.039 on here? Have we just lost a way? 166 00:10:28.840 --> 00:10:31.840 Well, you know, I can't necessarily speak to the larger 167 00:10:31.879 --> 00:10:35.200 issues because of course they're out of my control. But 168 00:10:35.320 --> 00:10:39.039 as it relates to medical, yeah, third of all consumer 169 00:10:39.159 --> 00:10:43.960 debt is medical, and there's a there's there's various reasons 170 00:10:44.000 --> 00:10:48.200 for that. The top reasons are very few people planned 171 00:10:48.320 --> 00:10:51.879 to have a medical occurrence that's larger than a checkup 172 00:10:52.000 --> 00:10:54.679 or some you know RX. So if they have anything 173 00:10:54.720 --> 00:10:58.720 that's even close to catastrophic couple thousand dollars, they might 174 00:10:58.759 --> 00:11:00.960 not have that money in their saving accounts. So what 175 00:11:00.960 --> 00:11:04.080 do they do. They charge it on their credit card 176 00:11:04.799 --> 00:11:08.600 at twenty to thirty percent potential interest. And I believe 177 00:11:08.639 --> 00:11:11.279 it only takes about ten twelve thousand dollars for the 178 00:11:11.360 --> 00:11:15.200 average American to claim bankruptcies. And so they all of 179 00:11:15.240 --> 00:11:18.519 a sudden get drowned by that credit card payment and 180 00:11:18.639 --> 00:11:23.799 unfortunately they have to claim bankruptcy. And sixty six percent 181 00:11:23.799 --> 00:11:27.399 of all bankruptcies are due to medical bills. And that's 182 00:11:27.440 --> 00:11:30.919 actually up from sixty one percent pre COVID, So it's 183 00:11:30.960 --> 00:11:31.639 gotten worse. 184 00:11:31.879 --> 00:11:33.879 Now, let me ask you this does a claim the 185 00:11:34.000 --> 00:11:38.120 bankruptcy bankruptcy filing. Does that relieve you of the medical cost? 186 00:11:38.200 --> 00:11:40.720 You can claim bankruptcy, but you still have to pay 187 00:11:40.759 --> 00:11:43.240 the government whatever taxes you're all of that. I know, 188 00:11:44.080 --> 00:11:46.600 what about medica? I know, can it get out from 189 00:11:46.679 --> 00:11:50.440 under medical bills? If that is really the albatross that's 190 00:11:50.480 --> 00:11:51.440 hanging around your neck? 191 00:11:52.879 --> 00:11:55.799 Yeah, you can't. There's still a negotiation. It depends on 192 00:11:55.840 --> 00:11:58.039 the cost, It depends on what kind of characters in 193 00:11:58.080 --> 00:11:59.919 your insurance, depends on which state you live in. But 194 00:12:00.320 --> 00:12:04.399 for the most part, you can work with the providers 195 00:12:04.799 --> 00:12:07.240 to go ahead and either do a payment plan or 196 00:12:07.399 --> 00:12:10.440 course wipe out that debt through bankruptcy to a degree 197 00:12:10.679 --> 00:12:13.759 in some cases completely, in some cases not. But the 198 00:12:13.840 --> 00:12:18.639 point is is that Americans need protection. We have accountants 199 00:12:18.679 --> 00:12:23.679 that file our taxes, obviously, we have consultants for whatever. 200 00:12:24.080 --> 00:12:26.519 We don't have that in the medical world. We have 201 00:12:26.559 --> 00:12:29.960 our doctor and we have our carrier. There's eight hundred 202 00:12:30.000 --> 00:12:33.279 and fifty million claims that the Wall Street Journal just 203 00:12:33.440 --> 00:12:36.759 reported are denied every year in medical damn. Eight hundred 204 00:12:36.759 --> 00:12:38.799 and fifty million is only one hundred twenty million families 205 00:12:38.879 --> 00:12:41.600 in the United States. That means that twenty three percent 206 00:12:41.639 --> 00:12:44.120 of all Americans are going to receive a denied claim. 207 00:12:44.600 --> 00:12:47.360 Who do you call if the claim has been denied, Well, 208 00:12:47.399 --> 00:12:50.320 you call your carrier. Well, your carrier is supposed to 209 00:12:50.320 --> 00:12:52.279 be your advocate, but the carrier is the one that 210 00:12:52.360 --> 00:12:56.000 denied your claim. So between the carrier and the provider, 211 00:12:56.240 --> 00:13:01.200 people need help and assistance like an accountant for taxes. 212 00:13:01.320 --> 00:13:03.240 And that's where health box stands in the gap. 213 00:13:03.480 --> 00:13:06.399 Okay, we're gonna We're going to get to your company 214 00:13:06.399 --> 00:13:09.159 and what the company can do, which is great, by 215 00:13:09.159 --> 00:13:12.919 the way, But I thought that when Obama Care passed, 216 00:13:13.159 --> 00:13:16.320 it was a panaceer and all our problems regarding medical 217 00:13:16.360 --> 00:13:21.600 care accessibility and all of that was taken away. I 218 00:13:21.600 --> 00:13:29.879 remember when then Vice President Biden whispered in President Obama's ear, 219 00:13:30.320 --> 00:13:33.080 this is a big and there's an adjective in there 220 00:13:33.080 --> 00:13:39.000 which I could it might have been ensuring actually deal 221 00:13:40.200 --> 00:13:41.519 h So what happened to that? 222 00:13:42.279 --> 00:13:45.960 Yeah, yeah, Well let's talk maybe about the good, the bad, 223 00:13:45.960 --> 00:13:48.600 and the ugly. So the good is is that it 224 00:13:48.679 --> 00:13:52.840 did create folks who cannot go on a group plan. 225 00:13:52.960 --> 00:13:55.120 They can go to the general market, the public market, 226 00:13:55.120 --> 00:13:57.840 if you will, in exchange, and they can find rates 227 00:13:57.840 --> 00:14:01.600 that are pretty affordable. You know, a young healthy adult 228 00:14:01.679 --> 00:14:04.679 can maybe find something for ten twenty thirty dollars because 229 00:14:04.679 --> 00:14:06.960 they've got subsidies and so forth. So there's some good 230 00:14:07.000 --> 00:14:10.480 things there. You know. The bad news is the coverage 231 00:14:10.559 --> 00:14:14.559 is very limited. It isn't as good as your private 232 00:14:14.600 --> 00:14:18.679 if you will, commercial group busin employer group coverage. And 233 00:14:18.720 --> 00:14:22.679 the ugly is that actually the highest percentage of claims 234 00:14:22.720 --> 00:14:26.559 that are denied it's from the ACA public plans, which 235 00:14:26.600 --> 00:14:30.919 is thirty percent. So that's a big problem within the 236 00:14:30.960 --> 00:14:33.200 ACA is that they literally have the highest level of 237 00:14:33.200 --> 00:14:38.039 Clayton denials, which can lead to catastrophic costs. So there's 238 00:14:38.039 --> 00:14:40.200 a problem there. And you know, there's a lot of 239 00:14:40.240 --> 00:14:42.159 about the ACA. There's a lot of good, there's a 240 00:14:42.200 --> 00:14:44.679 lot of bad, but the ugly can really hurt you. 241 00:14:45.159 --> 00:14:47.120 I guess they might they should have looked at that 242 00:14:47.240 --> 00:14:49.480 legislation a little bit more closely, but we'll leave that 243 00:14:49.600 --> 00:14:52.639 for the moment. So what can what can your company 244 00:14:53.039 --> 00:14:56.679 health lock do for someone who's listening tonight, either who 245 00:14:56.759 --> 00:15:00.480 is yet in debt or finds themselves in debt, particularly 246 00:15:00.480 --> 00:15:03.759 if some of that debt evolves around medical costs. 247 00:15:05.200 --> 00:15:07.840 Yeah, Well, you certainly don't want to get caught after 248 00:15:07.919 --> 00:15:10.519 the fact, right, So so healthot can still help you 249 00:15:10.600 --> 00:15:13.799 after the fact. But you've got one hundred and eighty 250 00:15:13.799 --> 00:15:17.279 four million data breaches that happened in medical last year. 251 00:15:18.000 --> 00:15:21.720 It was two million pre COVID. So just like people 252 00:15:21.759 --> 00:15:27.720 have identity theft, there's a proactive protective nature to our subscribers, 253 00:15:27.720 --> 00:15:31.159 which is to protect you against medical identity theft fraud. 254 00:15:31.360 --> 00:15:34.080 If you doctors have breaches, we'll tell you the breach, 255 00:15:34.120 --> 00:15:36.600 how many people were affected, We'll look in the dark web, 256 00:15:36.639 --> 00:15:39.919 we'll clean up that information for you protect your medical records. 257 00:15:39.919 --> 00:15:43.799 So there's some protectiveness there. The other aspect is is 258 00:15:43.840 --> 00:15:47.080 that we have the only services that I know of 259 00:15:47.120 --> 00:15:51.480 in the country where we're automatically monitoring your transactions. So 260 00:15:51.519 --> 00:15:53.559 you don't have to send us anything, you don't have 261 00:15:53.639 --> 00:15:55.720 to call us, you don't have to snap the picture 262 00:15:55.759 --> 00:15:57.919 of your bill and send it in. So if you 263 00:15:57.960 --> 00:16:00.159 go to the doctor in six months, we're going to 264 00:16:00.639 --> 00:16:02.559 send you an alert that says, hey, we know you 265 00:16:02.600 --> 00:16:05.320 went to doctor Jones. It was one thousand dollars bill 266 00:16:05.360 --> 00:16:08.399 and we verified it and it was adjudicated correctly against 267 00:16:08.399 --> 00:16:12.279 your insurance, pay the bill and confidence or you automatically 268 00:16:12.279 --> 00:16:15.279 get a flag. You choose if we're going to investigate it, 269 00:16:15.320 --> 00:16:17.480 and when we do, our average savings is eight hundred 270 00:16:17.519 --> 00:16:21.120 and fifty dollars per savings event. We've literally saved one 271 00:16:21.159 --> 00:16:25.879 hundred thousand dollars for folks, we've saved fifty thousand. Again, 272 00:16:25.919 --> 00:16:28.600 we've saved over one hundred and thirty million. So it's 273 00:16:28.639 --> 00:16:33.519 a proactive, always on service that's monitoring your healthcare transactions 274 00:16:33.679 --> 00:16:34.000 for you. 275 00:16:33.960 --> 00:16:35.000 To save money and. 276 00:16:36.519 --> 00:16:39.440 How could Obviously the name of the company is health blog, 277 00:16:39.559 --> 00:16:42.559 So is it healthlock dot com? Tell us what's what 278 00:16:42.759 --> 00:16:43.480 it is? Find you? 279 00:16:44.600 --> 00:16:48.399 Yeah, health talk dot com and we've got some plans 280 00:16:48.399 --> 00:16:50.720 there to help you with. A MasterCard is also a 281 00:16:50.759 --> 00:16:53.879 partner of ours, so you can get a discount through 282 00:16:53.879 --> 00:16:58.159 the MasterCard if you have one. And yeah, we we 283 00:16:58.519 --> 00:17:01.039 certainly want to be able to help Americans as they 284 00:17:01.120 --> 00:17:02.960 enter into the healthcare system. We say, don't go to 285 00:17:03.000 --> 00:17:04.160 the doctor without health loock. 286 00:17:05.400 --> 00:17:09.960 And it doesn't matter if you are someone young who 287 00:17:10.200 --> 00:17:13.119 is dealing with the doctor, you know outside of your family, 288 00:17:13.160 --> 00:17:15.480 your parents when you up until twenty six and now 289 00:17:15.519 --> 00:17:18.759 you run your own or if you're married, in your 290 00:17:18.799 --> 00:17:21.519 fifties or sixties, and you've never used health block, you 291 00:17:21.559 --> 00:17:25.759 can still check it out and perhaps become a client 292 00:17:25.759 --> 00:17:26.319 of healthlock. 293 00:17:27.519 --> 00:17:28.160 Absolutely. 294 00:17:28.200 --> 00:17:30.319 So what are you're a medicare, whether you're in a 295 00:17:30.359 --> 00:17:33.160 group plan, whether you're on the ACA insurance, whether you're 296 00:17:33.160 --> 00:17:36.559 a young adult is entering into the insured healthcare market. 297 00:17:37.039 --> 00:17:40.440 We can help you so we can automatically monitor, we 298 00:17:40.480 --> 00:17:42.960 can protect you from the fraud, and we can alleviate 299 00:17:43.039 --> 00:17:45.440 these high cost issues that you potentially are facing. 300 00:17:46.480 --> 00:17:50.920 Well, it sounds great. I appreciate you joining us tonight, Scott, 301 00:17:51.000 --> 00:17:54.640 and hopefully some people will at least begin to investigate 302 00:17:55.079 --> 00:18:00.519 this because obviously, no one wants to worry about personal debt. Uh. 303 00:18:00.640 --> 00:18:03.039 No one worries about the federal debt at this point 304 00:18:03.079 --> 00:18:05.119 because they think it's going to go away. It's going 305 00:18:05.160 --> 00:18:08.279 to catch up with some generation, maybe not the Baby boomers, 306 00:18:09.039 --> 00:18:12.319 of which I am one, but one of the coming 307 00:18:12.400 --> 00:18:15.079 The generations coming along are gonna have to pay a 308 00:18:15.119 --> 00:18:17.599 big bill and might as well might as well keep 309 00:18:17.640 --> 00:18:22.000 your own personal amount of debt down healthlock dot com. Scott, 310 00:18:22.000 --> 00:18:24.039 appreciate the conversation that I really enjoyed it. 311 00:18:24.039 --> 00:18:27.440 Thank you much, Thank you, Dan, take care you too. 312 00:18:28.079 --> 00:18:30.359 All right, we get back. We're going to talk. You 313 00:18:30.359 --> 00:18:32.440 know how you go to the post office and you 314 00:18:32.480 --> 00:18:35.319 see all the new stamps. There's a a couple of 315 00:18:35.359 --> 00:18:37.799 years ago. There's a stamp for Yogi Behrend. There's a 316 00:18:37.839 --> 00:18:41.640 stamp for the you know, the different different causes. Now 317 00:18:41.680 --> 00:18:47.559 there's a stamp for Betty White, the great actress comedian. 318 00:18:48.079 --> 00:18:51.359 And we're going to talk with a fellow whose last 319 00:18:51.440 --> 00:18:54.759 name might be familiar to you, Dale Stefanos. 320 00:18:55.119 --> 00:18:55.240 Uh. 321 00:18:55.279 --> 00:18:58.759 He is an artist, a local artist and illustrator, teaches 322 00:18:58.839 --> 00:19:02.880 illustration and stuff like you university, and he actually illustrated 323 00:19:03.079 --> 00:19:06.519 this stamp. I mean, someone has to illustrate these stamps. 324 00:19:06.519 --> 00:19:08.960 We're going to talk to Dale Stefanos right after the 325 00:19:09.000 --> 00:19:10.920 break the news break here at the bottom of the hour. 326 00:19:11.039 --> 00:19:13.279 My name is Dan Ray. You go to the post 327 00:19:13.279 --> 00:19:15.200 office and you say you want to buy a book 328 00:19:15.240 --> 00:19:18.119 of stamps or whatever, and I'll ask you what type, 329 00:19:18.160 --> 00:19:20.519 and they show you about twenty five stamps, and there's 330 00:19:20.839 --> 00:19:26.440 pictures of Americans, and there's pictures of causes and beautiful pictures. Well, 331 00:19:26.680 --> 00:19:29.279 someone has to develop each one of those stamps. And 332 00:19:29.319 --> 00:19:31.440 there's a stamp that I'm not sure if it's out 333 00:19:31.559 --> 00:19:34.000 yet or if it's going to be coming out very soon. 334 00:19:35.000 --> 00:19:37.440 It commemorates the life of someone who I think all 335 00:19:37.519 --> 00:19:39.799 of us were fans of, and that is the late 336 00:19:39.839 --> 00:19:43.200 great Betty White. And with us is Dale Stefanos, a 337 00:19:43.240 --> 00:19:48.880 local illustrator artist teaches illustration at Suffolk University. Dale. I'm 338 00:19:48.920 --> 00:19:52.440 going to be fascinated to find out how this process works. 339 00:19:52.599 --> 00:19:53.799 Welcome to night side. 340 00:19:55.079 --> 00:19:57.440 Bet Thanks for having me, And yes, someone's got to 341 00:19:57.480 --> 00:19:59.079 do it right, so why not me? 342 00:19:59.480 --> 00:20:02.640 It's funny. I was watching the Channel five six o'clock 343 00:20:02.720 --> 00:20:05.359 news last night, I think it was last night, and 344 00:20:05.440 --> 00:20:09.279 I saw this story. And you have a very similar 345 00:20:09.400 --> 00:20:12.920 last name to the one of the anchors on that broadcast, 346 00:20:12.960 --> 00:20:14.920 who as a friend of mine, your your sister. 347 00:20:15.039 --> 00:20:19.920 Correct, I do have a very very similar last name, 348 00:20:20.000 --> 00:20:23.559 and we live in the same house as a matter 349 00:20:23.559 --> 00:20:26.519 of fact, so we have a very similar address as well. 350 00:20:26.599 --> 00:20:27.799 It's really strange. 351 00:20:28.039 --> 00:20:33.319 Yeah, Marie is amazing, just amazing. The question is, did 352 00:20:33.359 --> 00:20:36.400 you come up with the idea or did did someone 353 00:20:36.440 --> 00:20:37.920 in the government say, Okay, we gotta have a stand 354 00:20:37.960 --> 00:20:40.880 for Betty White. Uh, and let's find a great illustrator 355 00:20:40.880 --> 00:20:43.319 to come up with how did how did the process work? 356 00:20:43.359 --> 00:20:46.279 What did the idea Germany from and take us from 357 00:20:46.480 --> 00:20:48.279 start to finish? 358 00:20:48.359 --> 00:20:54.519 Yeah, that's a great question. There there is a like 359 00:20:54.559 --> 00:20:58.920 a nominating process that anybody can really put a name 360 00:20:58.960 --> 00:21:01.640 in there. And I think it's on the USPS website 361 00:21:01.680 --> 00:21:04.480 somewhere if you can find it, so you could you 362 00:21:04.519 --> 00:21:07.440 could nominate somebody and then the board would consider it. 363 00:21:07.480 --> 00:21:13.200 But the way it usually works is there's a general agreement, Okay, 364 00:21:13.279 --> 00:21:16.200 these people you have to be dead in this country 365 00:21:16.200 --> 00:21:18.359 at least, no now in Canada you can still be 366 00:21:18.400 --> 00:21:19.319 alive and have a stamp. 367 00:21:19.440 --> 00:21:23.240 But that's the bad part. That's the bad part of it. 368 00:21:23.279 --> 00:21:25.480 But it is because you never get to enjoy to 369 00:21:25.519 --> 00:21:28.759 see your stamp on an envelope. But that's no. 370 00:21:29.119 --> 00:21:32.920 I was gonna say, if you want to, if you 371 00:21:32.920 --> 00:21:35.160 want to see your stamp, I'm sorry, you're just gonna 372 00:21:35.160 --> 00:21:37.279 have to. You're gonna have to see it from above. 373 00:21:37.519 --> 00:21:40.759 I get you, I got you. So, So the way 374 00:21:40.759 --> 00:21:43.279 it works is so nominates good. Yeah, I didn't mean 375 00:21:43.319 --> 00:21:44.440 to interact. I couldn't resist. 376 00:21:44.480 --> 00:21:48.400 Go ahead, Yeah, No, that's fine. The way it works 377 00:21:48.480 --> 00:21:51.440 is is they have they have the names and then 378 00:21:52.799 --> 00:21:56.079 there are a couple of different design groups that USPS 379 00:21:56.160 --> 00:21:59.599 works with, and within those design groups there are several 380 00:21:59.680 --> 00:22:05.000 arts and each of these design groups they kind of 381 00:22:05.000 --> 00:22:08.960 had a stable of designers and illustrators and photographers that 382 00:22:08.960 --> 00:22:13.039 they regularly work with. Before I worked with him, I think, 383 00:22:13.079 --> 00:22:16.640 you know, I've been an illustrator for almost almost forty 384 00:22:16.680 --> 00:22:19.160 years now, so I'm kind of a known quantity in 385 00:22:19.200 --> 00:22:24.640 my industry. So when the art director called me, he 386 00:22:25.000 --> 00:22:31.279 really describes how he liked the way I approach illustrating 387 00:22:31.359 --> 00:22:34.160 older people. So I think what he was saying was, 388 00:22:34.200 --> 00:22:36.200 you know, we want to be gentle with this, and 389 00:22:36.559 --> 00:22:39.559 it was funny, though he still didn't say who it was, 390 00:22:40.240 --> 00:22:44.680 I think until halfway through the conversation. So then what 391 00:22:44.759 --> 00:22:52.160 happens is they will send me a handful of photographs 392 00:22:52.160 --> 00:22:56.440 that have been licensed, so you can't just copy the 393 00:22:56.440 --> 00:23:00.759 photograph because you would be violating the photographers copyright, so 394 00:23:00.799 --> 00:23:04.759 they these are legally cleared to use, and then we 395 00:23:05.000 --> 00:23:09.480 chose which era. You know, you've got the early Betty 396 00:23:09.480 --> 00:23:13.680 White from the fifties, the you know, the seventies Betty White, 397 00:23:13.720 --> 00:23:15.680 and then you know, you know you have the older 398 00:23:16.119 --> 00:23:19.480 Betty White and it was it was kind of the 399 00:23:19.480 --> 00:23:22.039 sweet spot we landed on right around twenty ten. It 400 00:23:22.160 --> 00:23:27.880 was a fantastic photographed by California photographer. And then what 401 00:23:28.000 --> 00:23:31.599