Matt talks about the approaching enrollment season. It's very important to review the Part D drug coverage during the Annual Enrollment Period (AEP). If you don't make a change you will have the same plan for the next 12 months and you could be paying more than you need to. Matt explained some of the changes as a result of the 2022 Inflation Reduction Act. Matt Libby Insurance will still conduct Part D reviews even though there won't be commissions on most plans in 2025.

Matt talks about how sometimes when he doesn't have a guest he "preaches" insurance. He addresses the need for life insurance even if you aren't married or have kids. Matt explained how guaranteed insurability is a great reason to get insurance for a child because if they become ill they may not be able to get life insurance when they are older. He also addressed why someone might want to get an accidental death policy. Matt discussed the difference between cancer treatment and lump sum first diagnosis plans.

Kelly Sullivan Director of the Small Business Development Center at UCDD and co-owner of BRIK Nutrition. Matt and Kelly talked about the business cycles that affect their individual businesses. BRIK Nutrition focuses on nutrition with their high protein meal replacement shakes and high protein waffles. Their loaded teas aren't just caffeine drinks. Kelly was excited to talk about their new aloe drink.

Chadwick Mathis with the Small Business Development Center joins Matt Libby on the radio. Chadwick explained how he uses his experience as a business owner and marketing consultant to assist individuals start or build their small business. He talked about how the SBA and TN Tech and MTSU partner with SBDC to provide no-cost services to local businesses.

Part 1 Matt is joined on air with Stefanie Pigeon the founder of Affiliated Associates. Stephanie has 3 decades of experience in employer group health coverage. She explained the symbolism of the 4 dogs that are part of her logo. Stephanie works as a fee-based consultant for employers. That way she will find the most cost-effective plan for her clients rather than be incentivized to recommend plans for more commission.

Part 2 Stefanie Pigeon of Affiliated Associates. Stephanie expanded on how she helps and educates employers to have a tailored health plan for their employees. She talked about how some plans can participate in a national network or an open-access plan. Matt mentioned how one of his ACA clients had to pay the entire cost at an out of state urgent care center.