0:04

If you're on Medicare, obviously you're getting older every year. The

0:06

key is really making sure that

0:10

your plan aligns with your

0:10

needs. And I think it's

0:13

important to kind of every fall

0:13

do kind of an audit of your

0:18

health and see where you're at

0:18

and examine your plan and see if

0:23

that plan still aligns with

0:23

those needs.

0:27

Welcome to Now

0:27

or Never Long-Term Care Strategy

0:30

with Kosta Yepifantsev a podcast

0:30

for all those seeking answers

0:34

and solutions in the long term

0:34

care space. This podcast is

0:38

designed to create resources,

0:38

start conversations and bring

0:42

awareness to the industry that

0:42

will inevitably impact all

0:45

Americans. Here's your host

0:45

Kosta Yepifantsev.

0:50

Hey, y'all,

0:50

it's Kosta. Today, I'm here with

0:52

my guest Christian Worstell

0:52

Senior Medicare and health

0:55

insurance educator with health

0:55

advisor.com. As a licensed

0:59

health insurance agent and

0:59

industry advocate. Christian has

1:03

helped 1000s of Americans better

1:03

understand their health

1:06

insurance and Medicare coverage

1:06

featured everywhere from Forbes

1:11

MarketWatch WebMD, and Yahoo

1:11

Finance Christian primary goal

1:16

is to provide accessible

1:16

information on health care

1:19

coverage, limiting out of pocket

1:19

Medicare spending, and how to

1:23

access quality medical care,

1:23

Christian to start the episode,

1:27

will you explain to us what the

1:27

Medicare Annual Enrollment

1:31

period is, and why it's so

1:31

important for beneficiaries to

1:35

be aware of it?

1:36

Yeah, first of all, thanks for having me on. Good to talk to you about this

1:38

today. AEP Medicare annual

1:42

enrollment period. For most

1:42

people, it's the only time of

1:47

year that you can make changes

1:47

to your private Medicare

1:52

coverage. So we're talking

1:52

medicare advantage and medicare

1:56

part d. When you first become

1:56

eligible for Medicare, you will

2:02

be able to enroll in private

2:02

Medicare, you'll have a seven

2:06

month it's called an initial

2:06

enrollment period or IEP. If you

2:11

don't sign up, then you will

2:11

have to wait to until the annual

2:16

enrollment period in the fall.

2:16

Or if you are in a plan that

2:22

you're maybe not fully satisfied

2:22

with. And you want to explore

2:27

other options other plans. AEP

2:27

is your chance to switch from

2:32

one plan to a different one. And

2:32

the reason it's important is

2:37

because, again, for most people,

2:37

this is their only opportunity

2:42

during the year to do this. So

2:42

once you're committed to a plan,

2:48

you're probably not going to be

2:48

able to switch to a new one

2:52

until the following AEP the

2:52

following year. So you might be

2:56

stuck with a plan that you don't

2:56

really love for a year. It's

3:00

also important, if you know you

3:00

might run into a coverage gap. A

3:06

lot of Medicare Advantage plans

3:06

will include things like routine

3:10

dental coverage. Well, if you

3:10

don't get into a plan that has

3:15

routine dental coverage, then

3:15

you need to figure out what

3:20

you're going to do about your

3:20

dental coverage for the next

3:23

year. Are you going to pay for

3:23

it? How are you going to buy a

3:26

standalone dental plan you'll

3:26

need to kind of patch things up

3:29

there. So it's really just you

3:29

know, making sure that you're

3:33

setting yourself up for success

3:33

for the next year until the next

3:37

AV.

3:38

Let me let me

3:38

dig a little deeper. Give me

3:42

some background about the

3:42

difference between IEP and AEP

3:48

and you touched on it a little

3:48

bit, but I just want to just to

3:51

put it in layman's terms, what's

3:51

the difference between the

3:54

initial and the annual

3:56

Yep,

3:56

initial, you turn 65. And you're

4:00

gonna begin a seven month

4:00

enrollment period, you have

4:03

seven months to enroll in

4:03

coverage, Medicare Advantage

4:08

Medicare Part D Original

4:08

Medicare, and then annual

4:14

enrollment period. It happens

4:14

every year, October 15 to

4:18

December 7, so just a little

4:18

less than two months, and those

4:23

dates don't change. So no matter

4:23

what day of the week, you know,

4:26

it might start on a Saturday, it

4:26

might start on Wednesday,

4:29

October 15. It starts December

4:29

7, it ends so you only ever ever

4:36

get one initial enrollment

4:36

period. But you'll get an annual

4:40

enrollment period every year. So

4:40

you might get 25 Annual

4:45

Enrollment Periods but you only

4:45

get that one initial

4:47

period. What

4:47

what happens if you turn 65 And

4:52

you just don't enroll into into

4:52

Medicare. What happens if you

4:56

miss the deadline for the

4:56

initial enrollment period? But I

5:00

also want to know what happens

5:00

if you miss the deadline for the

5:05

annual enrollment period that

5:05

October to December period.

5:09

Yeah, so

5:10

most parts

5:10

of Medicare do have Late

5:13

Enrollment penalties. So if you

5:13

do not sign up when you're

5:19

eligible, and that initial

5:19

enrollment period closes, at

5:25

some point down the road, when

5:25

you do get it together and sign

5:29

up, you will probably pay higher

5:29

premiums. There are some

5:33

exceptions, but most people are

5:33

going to be subjected to those

5:37

late enrollment periods or

5:37

penalties. And the penalties are

5:41

not necessarily just a one time

5:41

thing, it's actually an increase

5:45

in your premium it might be, you

5:45

know, 3% added to your premium

5:50

for every 12 month period that

5:50

you didn't enroll or something

5:54

like that. So you're going to be

5:54

paying for that late enrollment,

5:58

every month, when you make that

5:58

premium payment. That's really

6:03

the biggest risk. The other

6:03

risk, obviously, is just going

6:08

without health insurance or

6:08

going without adequate health

6:11

insurance during that time until

6:11

you change and sign up.

6:15

And so with

6:15

regards to the Annual Enrollment

6:18

period, the consequences of

6:18

missing that deadline is

6:21

obviously if you already have

6:21

Medicare, like traditional

6:25

Medicare, or even Medicare

6:25

Advantage, for that matter, you

6:28

just won't be able to make any

6:28

changes to plan if that's

6:31

necessary. Right?

6:33

Correct.

6:33

Yeah, there are certain there's

6:37

what's called a special

6:37

enrollment period. And not to

6:40

try to get too far into the

6:40

weeds here. But there are people

6:43

that might qualify for a special

6:43

enrollment period throughout the

6:48

year based on certain

6:48

circumstances that happen. But

6:51

you're right, for most people,

6:51

its annual enrollment period, or

6:55

bust, and your that's your, you

6:55

know, seven week period eight

7:00

week period that you get to do

7:00

every fall. And if you don't do

7:04

it, then you're having to wait

7:04

until the next one. So that's

7:07

why we really stressed the

7:07

importance of you got to take

7:10

action now. Because it's now now

7:10

until next year, I should say,

7:14

yeah, it's

7:14

now or never, it's a good point.

7:17

So, I do want to say, I want one

7:17

more follow up question. And

7:21

then we're going to talk about

7:21

Medicare specifics about how

7:23

it's changing. And obviously,

7:23

you know, kind of what's new and

7:26

coming down the pike. Why is

7:26

there a penalty? What is what is

7:32

it about not taking Medicare,

7:32

that the federal government or

7:39

or whatever entity Centers for

7:39

Medicare and Medicaid said they

7:42

want everybody to enroll in

7:42

Medicare? I was curious if you

7:45

knew why there's an actual

7:45

penalty for not taking Medicare

7:49

after 65. I think it

7:51

probably

7:51

boils down to keeping costs

7:54

lower for everyone across the

7:54

board, because it wasn't a late

8:00

enrollment penalty. If you turn

8:00

65, and you say, Hey, I'm

8:04

healthy, I'm still pretty spry,

8:04

I could probably put it off for

8:08

a couple of years, well, then

8:08

you're not paying into the

8:11

system. Right? And then you get

8:11

into that situation where you

8:16

know, only the sick people are

8:16

enrolled in Medicare and the

8:19

costs are higher. So I think

8:19

it's kind of maybe a similar

8:23

strategy to, you know, the ACA

8:23

and mandaps. Having penalties

8:27

for that. It's just an effort to

8:27

get everyone contributing to

8:31

keep costs lower across the board.

8:33

Absolutely.

8:33

All right. So let's get into it.

8:35

How is Medicare changing? And

8:35

what's new for 2024? Yeah, so

8:42

every year,

8:42

there are some changes to

8:46

Medicare. Some years, those

8:46

changes are bigger than others.

8:50

Okay, over the last few years,

8:50

due largely because of COVID.

8:55

There were a lot of changes, you

8:55

know, they introduced some more

8:59

telehealth coverage and things

8:59

like that. I expect 2024 to be

9:06

relatively quiet when it comes

9:06

to changes or things that are

9:11

new. As AEP inches closer, we

9:11

may learn about some of the more

9:18

new or changed Medicare

9:18

Advantage benefits. A lot of

9:22

times it's right up until AEP

9:22

when we actually find out about

9:27

the some of these changes once

9:27

they're finalized and formally

9:30

announced. But one thing you can

9:30

expect premiums and deductibles

9:35

for both traditional or Original

9:35

Medicare and private Medicare

9:41

typically change every year.

9:41

There has not been a formal

9:45

announcement yet but it should

9:45

be coming probably any day now.

9:50

Usually by the end of September.

9:50

About the Medicare Part B

9:55

premiums. The projections are

9:55

showing it to go up about $10 a

10:02

month, and those projections are

10:02

usually pretty ballpark

10:07

accurate. So we can expect that

10:07

it actually went down last year,

10:12

which is why the models are

10:12

showing probably tick up this

10:16

year. Yeah. Part Willie? Oh, I'm

10:16

sorry. Good.

10:21

I was just

10:21

gonna say, will there be any I

10:23

know, a few years back, they

10:23

added a kind of like a

10:27

homemaker, non medical type of

10:27

component to some Medicare

10:31

Advantage plans. Has there been

10:31

any news or appetite, I guess,

10:37

for traditional Medicare to take

10:37

on that same kind of benefit?

10:41

I think

10:41

there is an appetite. It's not

10:46

something that we're going to

10:46

see in 2004. But it wouldn't

10:51

shock me if that was kind of the

10:51

next thing coming. You know,

10:55

sometimes, things often get

10:55

introduced to private Medicare,

11:00

first Medicare Advantage, and

11:00

then they might get adopted by

11:04

Original Medicare. One example

11:04

of that is acupuncture. A few

11:07

years ago, acupuncture became

11:07

approved for Medicare Advantage

11:13

plans, what you know, under

11:13

certain circumstances, for lower

11:16

back pain, stuff like Cher, and

11:16

it was offered exclusively in

11:22

Medicare Advantage for a couple

11:22

of years. And then Original

11:24

Medicare said, Hey, this is

11:24

good. We want to adopt this. So

11:27

now you can actually get it with

11:27

Medicare Part B. The, you know,

11:32

the aging in place or homemaker,

11:32

you know, those kinds of

11:36

services that you speak of, a

11:36

lot of them are available today

11:40

and Medicare Advantage plans and

11:40

have been for a few years. It

11:44

wouldn't shock me if that one

11:44

day was adopted by Original

11:48

Medicare. But yeah, no news on

11:48

that, as of

11:52

are you

11:52

excited about the negotiations

11:55

for drug pricing? I know it's

11:55

not going to happen, you know,

11:57

it's not going to go into effect

11:57

for a number of years. But how

12:02

is that going to change Part D?

12:04

Yeah, and in

12:04

fact, that's kind of a good

12:07

jumping off point, because a lot

12:07

of the changes for 2024 are

12:11

actually happening in part d. So

12:11

for one, the models are showing

12:17

that the average monthly premium

12:17

will probably tick down just

12:21

slightly. There's also the long

12:21

story short part D benefits are

12:28

going to actually improve in

12:28

2024. So some of the coinsurance

12:33

payments that you have to make

12:33

for drugs are going to disappear

12:37

during certain coverage phases.

12:37

The out of pocket spending limit

12:43

for brand name, drugs looks like

12:43

it's going to be lowered.

12:46

There's a coverage gap that

12:46

looks like it's going to be

12:49

eliminated. And it also looks

12:49

like it's going to be easier for

12:54

people to qualify for cost

12:54

assistance. So yeah, I think the

13:02

the ability to negotiate drug

13:02

prices is a real game changer,

13:06

because that puts, you know, it

13:06

kind of shifts the balance of

13:11

power from you know, the drug

13:11

manufacturers to, you know,

13:14

consumers a little bit.

13:15

I mean, it

13:15

would be great if they could get

13:17

a actual drug that works for

13:17

Alzheimer's would you want to

13:22

talk about and I'm sure Medicare

13:22

would be more than happy to, to

13:27

not negotiate for that pricing,

13:27

because that is something that

13:30

is obviously affecting a lot of us so

13:31

so that's interesting. You say that because the big reason why the

13:33

Part B premium is projected to

13:39

go up a little bit in 2024 Is

13:39

that part B is now going to

13:44

offer coverage of an Alzheimer's

13:44

drug that has performed very

13:49

well in clinical trials. Wow,

13:49

that do not have the name of it

13:53

in front of me.

13:55

It's is it

13:55

add a hell? I think that is it.

13:58

I think I've been hearing it

13:58

over Yeah. And and so I'm

14:03

excited to see that

14:03

it's performed well, they're they're obviously optimistic enough

14:05

about it to go ahead and begin

14:09

covered covering it. And as you

14:09

know, you know, he's Alzheimer's

14:13

drugs are so expensive that if

14:13

Original Medicare is going to

14:17

cover it, they're gonna have to

14:17

raise the premiums, because

14:21

it's, we're not at that place

14:21

yet where those types of drugs

14:24

are just easily affordable. So yeah.

14:27

And one thing

14:27

I wanted to ask you as a segue,

14:30

you know, there is Medicare

14:30

Advantage plans are becoming

14:33

more and more part of popular,

14:33

so like private Medicare plans,

14:37

essentially. And I think it's

14:37

something along the lines of

14:41

like 30% or 40% of Medicare

14:41

enrollees select Medicare

14:47

Advantage. It's actually not

14:47

50%. Now it's 50%. Okay, great.

14:51

So like, obviously there's a

14:51

shift to where instead of it

14:54

being the red, white and blue

14:54

card, traditional Medicare,

14:58

it's, you know, Cigna or or

14:58

Aetna or you know WellCare,

15:04

whatever it might be wellspring.

15:04

But I want to ask specifically

15:09

about the beneficiaries. What

15:09

steps should Medicare

15:12

beneficiaries take to assess

15:12

whether their current plan still

15:17

meets their needs?

15:18

Yeah,

15:18

there's a few things. I think

15:21

the first one is, have your

15:21

healthcare needs changed,

15:25

because in 2023, your healthcare

15:25

needs were, you know, x, right.

15:32

But in 2024, they might be

15:32

different. I mean, we're, you

15:37

know, if you're on Medicare,

15:37

obviously, you're getting older

15:40

every year, your health care

15:40

needs might change, you might

15:43

develop different, you know,

15:43

conditions. And the key is

15:47

really making sure that your

15:47

plan aligns with your needs. And

15:51

I think it's important to kind

15:51

of every fall, do kind of an

15:56

audit of your health and see

15:56

where you're at and examine your

16:01

plan and see if that plan still

16:01

aligns with those needs. I think

16:07

another thing is, is your

16:07

doctor, still part of your plan

16:12

network, because doctors can

16:12

leave a plan network every year.

16:18

So your favorite doctor that

16:18

you've been seeing for 20 years,

16:22

you have a great relationship

16:22

with them great rapport. They've

16:25

accepted your plan for all these

16:25

years, and all of a sudden next

16:28

year. They're no longer

16:28

accepting your insurance they've

16:32

was, you know, Aetna or whatever.

16:34

Yeah. But

16:34

like Does that happen with

16:37

traditional Medicare, or is that

16:37

only like a dynamic that's

16:41

specific to the private Medicare

16:41

sector

16:43

is certainly

16:43

more specific to the private

16:46

sector. Something that you like

16:46

95% Plus, of all healthcare

16:54

providers accept Original

16:54

Medicare. However, the

16:58

percentage of them that are

16:58

accepting new Medicare patients

17:01

is a little bit lower, probably

17:01

closer like 85%. Interesting. So

17:05

your doctor might accept

17:05

Medicare, but they may not

17:09

accept new Medicare patients at

17:09

this time. So it does play into

17:15

that a little bit.

17:17

But we could

17:17

have a conversation about that.

17:22

Absolutely, yeah. Christian,

17:22

what do you think is the most

17:25

common mistake people make when

17:25

it comes to Medicare?

17:29

Yeah, I

17:29

mean, we talked about waiting

17:32

too long to sign up missing that

17:32

initial enrollment period or

17:36

missing, you know, the annual

17:36

enrollment period, facing late

17:40

enrollment, penalties facing

17:40

coverage gaps, stuff like that.

17:44

We talked about, you know,

17:44

signing up for a plan that

17:46

includes your favorite Doctor, I

17:46

see people that sign up for Part

17:53

D plans that don't cover their

17:53

drugs that they need. Or people

18:00

that signing up for plans that

18:00

may not cover their specific

18:04

health care needs. You know, if

18:04

you wear glasses, you probably

18:09

want a health insurance plan

18:09

that gives you you know, annual

18:12

exams and allowance for, you

18:12

know, Vision Insurance,

18:15

essentially.

18:16

Yeah,

18:17

you know, you know, make sure that it lines up. I think just not not

18:18

taking the time to shop around

18:25

and compare plans, you know,

18:25

most people have, it's not

18:29

uncommon for people to have

18:29

their choice of like 20,

18:32

different Medicare Advantage

18:32

plans that are sold in their

18:35

area. I mean, you have all most

18:35

people have a lot of options at

18:38

their disposal, take the time to

18:38

sit down and compare them.

18:44

Invest 30 minutes of your day,

18:44

to set yourself up for the next

18:49

year of having good, affordable

18:49

coverage. And then the last

18:54

thing I would say is people that

18:54

try to navigate the process

18:57

alone, rather than working with

18:57

an agent, because an agent can

19:01

just gather up all the plans

19:01

that are available in your area,

19:04

help you comb through them help

19:04

you compare them. If you're

19:07

trying to go about it alone,

19:07

you're trying to pull in all of

19:10

those individual pieces yourself

19:10

and visit all of the different

19:14

carrier websites, and it gets

19:14

gets pretty calculated.

19:18

Where do they

19:18

find their local Medicare

19:22

specialized agent?

19:24

Yeah, so I

19:24

mean, Medicare advantage.com

19:28

Okay. It's one of the largest

19:28

sellers of Medicare Advantage

19:33

and Medicare Part D coverage. I

19:33

believe it's available in all 50

19:40

states. There are something like

19:40

1500 agents. They specialize in

19:47

Medicare You know, so a lot of

19:47

other agents are selling regular

19:51

health insurance or they're

19:51

selling life insurance but

19:53

Medicare advantage.com They only

19:53

sell private Medicare insurance.

19:57

That's what they do. All day

19:57

every day.

19:59

Yeah. I'm,

19:59

and I've heard I've heard so

20:02

many stories of people, and I'm

20:02

so glad that we're talking about

20:04

this, of say, for example, you

20:04

know, you're watching TV and a

20:08

commercial pops by and it's

20:08

called this number, you know,

20:11

and it looks like a red, white

20:11

and blue Medicare card and they

20:13

call the number, and the person

20:13

on the phone essentially, you

20:18

know, has gets them to switch to

20:18

their Medicare Advantage plan

20:21

with whatever insurance company,

20:21

they get paid a premium or a

20:24

fee. And the insurance that they

20:24

get, does not meet the needs and

20:30

expectations of the individual.

20:30

And they have to wait until the

20:33

next, you know, enrollment

20:33

period to switch back to, to

20:38

what have you. And so I think

20:38

I'm very glad that we are

20:43

putting together a process in a

20:43

pipeline for people to actually

20:48

reach out to the, to the correct

20:48

individuals who have their their

20:53

best interests in mind. So

20:53

Exactly, yeah, let's let's talk

20:58

about the process of switching

20:58

from one plan to another plan.

21:04

Is it a complicated process,

21:06

it's really

21:06

not, and especially if you work

21:09

with an agent. So if you get on

21:09

the phone with a licensed

21:14

insurance agent, especially one

21:14

that just specializes in

21:17

Medicare, they can actually

21:17

disenroll you from your old

21:22

plan, get you enrolled in your

21:22

new plan, during the same phone

21:27

call, you do not have to have

21:27

any contact with your previous

21:32

carrier, they will handle all of

21:32

that behind the scenes. So no,

21:38

it is not complicated. Really

21:38

the most complicated process is

21:44

just the shopping and comparing

21:44

part and choosing from your many

21:47

options. And once you zero in on

21:47

the plan that's best for you.

21:51

It's actually really simple.

21:51

It's it's pretty quick and

21:55

painless, to be honest. So no,

21:55

not complicated at all.

21:59

In your

21:59

opinion, aside from the ones

22:01

that we've already mentioned,

22:01

what are the most important

22:05

factor beneficiaries should

22:05

consider when choosing a new

22:09

Medicare plan?

22:10

Yeah, I

22:10

think the whole HMO versus PPO

22:14

plan is pretty important. I

22:14

think, you know, Medicare is not

22:19

radically different from you

22:19

know, employer based coverage,

22:23

or most people that are

22:23

transitioning to Medicare,

22:26

they've probably been on health

22:26

insurance for 30 or 40 years.

22:29

And a lot of those routes are

22:29

still there, like HMO or PPO. So

22:34

do you want an HMO plan? That's

22:34

a little bit more of a team

22:39

oriented approach where you

22:39

know, your team of doctors are

22:43

referring you within the

22:43

network? Or do you like the PPO

22:46

approach where you have maybe a

22:46

little bit more personal freedom

22:49

over your your healthcare

22:49

choices, and you can go outside

22:52

of a network? I think that's

22:52

important for people and and by

22:55

the time they get to Medicare,

22:55

they've probably figured out if

22:57

they're an HMO person or a PPO

22:57

person. I also think, you know,

23:03

I asked people, How do you like

23:03

to spend? Do you want to pay

23:07

higher monthly premiums up

23:07

front, in exchange for lower

23:12

deductibles and lower CO

23:12

payments when you use the

23:15

insurance? Or do you want to pay

23:15

lower premiums upfront and then

23:20

reach a little bit deeper into

23:20

your pocket when you use the

23:23

insurance for higher deductibles

23:23

and, and higher CO payments or

23:27

coinsurance? There's no really

23:27

right or wrong universal answer

23:30

there. Everybody likes to spend

23:30

their money differently. And I

23:35

think he just has to have to ask

23:35

yourself, you know, how do I

23:38

want to spend my money? I think

23:38

that's, that's a really

23:41

important thing that I think

23:41

gets overlooked a little bit too

23:45

much by people.

23:46

We always

23:46

like to end the show with a call

23:49

to action. For anyone who wants

23:49

help with this process. What's

23:54

your advice on finding a

23:54

knowledgeable and licensed

23:58

insurance agent who specializes

23:58

in Medicare?

24:02

Yeah, so I mentioned it previously, but Medicare advantage.com is the

24:04

one that I always recommend to

24:08

people first. Like I said,

24:08

they're one of the largest

24:11

sellers, they specialize in it,

24:11

you know, over 1000 agents,

24:16

they're all US based agents.

24:16

They even have bilingual agents

24:20

for those that need it. And it

24:20

really is the best way they're

24:26

all licensed, you know, highly

24:26

trained, experienced, but you

24:30

know, they can disenroll you

24:30

from your previous plan and

24:33

enroll you in a new one. They

24:33

can also just sit there and

24:36

answer your questions. And you

24:36

know, there's a lot of things

24:39

that you may not understand

24:39

about Medicare. They'll sit

24:42

there and help you, you know, they'll talk you through you know, how this works, what these

24:44

benefits mean, you know, you

24:48

know, come through all of those,

24:48

you know, terms and conditions

24:51

and fine print. So they're kind

24:51

of part advisor part agent. They

24:59

can help sell Will you a plan

24:59

and get you enrolled but they

25:01

can also just help you

25:01

understand it better and kind of

25:04

advise you on you know this plan

25:04

versus that plan etc so let's

25:09

Medicare advantage.com Is the

25:09

always kind of the place to

25:14

Thank you for

25:14

joining us on this episode of

25:16

Now or Never Long-Term Care

25:16

Strategy with Kosta

25:19

Yepifantsev.If you enjoyed

25:19

listening and you wanna hear

25:22

more make sure you subscribe on

25:22

Apple podcast Spotify or

25:26

wherever you find your

25:26

Podcasts,leave us a review or

25:29

better yet share this episode

25:29

with a friend. Today’s episode

25:33

was written and produced by

25:33

Morgan Franklin. Want to find

25:38

out more about Kosta? Visit us

25:38

at kostayepifantsev.com