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Hour 1 Seg 4 - Bilhartz Desert Insurance Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. BILHARTZ DESERT INSURANCE w/ Brian Bilhartz. HIS NEW OFFICES; 75-410 Gerald Ford Dr., Ste., 102, Palm Desert, 92211. BRIAN IS A BROKER. - DEFINITION of Medicare Advantage PPO. - REPORT that 4 of the 7 programs will cancel and Humana will be left BUT THERE IS NO CONTRACT W/ EISENHOWER. - REPORT that you MUST decide by Jan., 1 or there will be NO PRESCRIPTION coverage and limited medical coverage. - REPORT that you have from Dec., 8 to Feb., 28 to make a new plan. - REPORT that Part D plans premiums are going up. - REPORT that the annual election period is OVER Dec., 7. Challenge is there are plans that are terminating. You’ll get notices in the mail if yours is cancelled. Plans are changing left and right. REVIEW YOUR PLANS. - DISCUSSION of the changes to MEDICARE PART D – the most utilized component of your Medicare because you take your medications EVERY DAY. - REPORT on Medicare Part D. For drugs. Most Medicare Advantage Plans have this. Medicare is going to put a cap in 2025 on the out-of-pocket maximum of $2000. for Part D. GREAT. - REPORT that Brian will serve his clients in their home, in his office, on the phone. REMEMBER HE WILL COME TO YOUR HOME. He has all the special classification to do all of this. The rules are different in other states. - ANNOUNCEMENT that now there is a PERSON JUST TO RESPOND TO CALLS. (760) 848-7171. - (contact info; www.bilhartzinsurance.com and (760) 848-7171). Brian

Presented thru the generosity of Desert Lifestyle Properties’s Ben Leaskou, for all your real estate needs. www.desertlifestyleproperties.com and (760) 818-7518. “Desert Lifestyle, Redefined” SUNDAY 11.23 - 3 – 4 PM; National Eat a Cranberry Day 1. WHO; PALM SPRINGS CULTURAL CENTER. WHAT; 5th Margaret O’Brian Legend Award for Bob Mackie. WHEN; SUN., 12.7; 11 AM VIP; 12:30 PM “Funny Lady” Screening . WHERE; The P.S. Cultural Center on Baristo, in P.S. WEB; www.psculturalcenter.org. 2. WHO; TEMECULA THEATER WHAT; “The Nutcracker” WHEN; NOV., 21. 22.23 @ different times 2025. WHERE; Old Town Temecula Community Theater; 42051 Main St., Temecula WEB; www.temecuilatheater.org. 3. WHO; FANTASY SPRINGS WHAT; Scrumptious Thanksgiving Feast. WHEN; THURS., NOV., 27 WHERE; Bistro, Pom ^ Fresh Grill Buffet WEB; www.fantasyspringsresort.com. 4. WHO; MC CALLUM THEATRE. WHAT; “The Nutcracker WHEN; TONIGHT WHERE; 73-000 Fred Waring Dr., Palm Desert, CA. WEB; www.mccallumtheatre.com. 5. WHO; OSCAR’S PALM SPRINGS. WHAT; “Dragachella” ultimate Fri., night party. WHEN; NOV., 28; 9 PM TO 2 AM!!!! WHERE; 125. E. Tahquitz Cyn., Way. #108. Palm Springs. WEB; www.oscarspalmsprings.com. SUNDAY; 11.23 - 4 – 5 PM. National Expresso Day. 1. WHO; DESERT-THEATRICALS Josh and Ray, want you to know. WHAT; Anthony Hernandez “Illusons”. WHEN; Jan., 10, 2026 WHERE; 71560 San Jacinto Dr., Rancho Mirage, CA. WEB; www.desert-theatricals.com. 2.WHO; DAP HEALTH C.E.O. DAVID BRINKMAN wants you to know; WHAT; There is primary and family care FOR ALL AGES WHEN; ON-GOING WHERE: DAP Urgent care w/ same day access WEB; www.daphealth.org. 3. WHO; REVOLUTION STAGE COMPANY’S Gary Powers wants you to know; WHAT: “Plaid Tidings” – Special edition of “Forever Plaid” WHEN; DEC., 11 – 20.. WHERE; 611 S. Palm Cyn. In the Sun Shopping Center. WEB; www.revolutionstagecompany.com. 4. WHO; AGUA CALIENTE BAND OF CAHUILLA INDIANS Chairman Milanovich wants you to know. WHAT; Cathedral City 5 year Anniversary (of excitement) WHEN; NOV., 24 WHERE; THE SHOW in Rancho Mirage. WEB; www.aguacalientecasinos.com. 5. WHO; THE PALM CANYON THEATRE WHAT; “Annie” WHEN; NOV., 28 – DEC., 24 WHERE: 538 N. Palm Cyn., Dr., Palm Springs WEB; www.palmcanyontheatre.net. SUNDAY 11.23 - 5 – 6 PM; National Cashew Day. 1. WHO; CV REP;S Artistic Director Adam Karsten wants you to see WHAT; “Dear Evan Hansen” WHEN; DEC., 3 - 21 WHERE; 68510 e. Palm Cayn., Dr., Cathedral City WEB; www.cvrep.org. 2. WHO; ACRISURE ARENA WHAT; Acrisure Series Day 1 (multi team college basketball event) WHEN; NOV., 25; 10:30 AM (there are 4 day passes). WHERE: Acrisure Arena WEB; www.acrisurearena.com. 3. WHO; DESERT LIFESTYLE PROPERTIES Ben Leaskou wants you to know about; WHAT; The weekend Open Houses WHEN; NOW WHERE: Palm Springs highly coveted 3 bedrooms, 3 baths. 2345 sq. ‘. Gorgeous Mt., views w/ pool & spa. $1,790,000. WEB; www.desertlifestyleproperties.com. 4. WHO; FRIENDS OF THE PALM SPRINGS LIBRARY WHAT; Holiday Bazaar WHEN; SAT., DEC., 6; 10 AM to 2 PM WHERE: Welwood Murray Memorial Library in Palm Springs. WEB; www.friendsofthepalmspringslibrary.org 5. WHO; CREATIVE ARTS TEMPLE W/ RABBI JERRY CUTLER WHAT; CAT FNL (Creative Arts Temple/Fridiay Night Live) Streaming brief Shabbat Services w/ The Cutlers. WHEN; FIRST FRIDAY NIGHT OF EVERY MONTH @ 5 PM. WHERE: Facebook & YouTube & Live WEB; www.creativeartstemple.org. For further reference to the JEDD, visit my website www.joeyenglish.com .

Seg 2 - Crossroads-To-Care Segment - LISTEN TO THE COMPLETE SHOW FOR HI-LIGHTS/DETAILS OF SUBJECTS DISCUSSED IN THIS INTERVIEW. CROSSROADS TO CARE (housecalls are back) w/ Patricia Ryan, MSN, ANP-BC re; An adult nurse-practitioner who makes house calls. A concierge practitioner. - DEFINITION of what a “nurse practitioner” is. - PATRICIA PROVIDES SERVICES SUCH AS; Same as in a doctor’s office; She can; 1. Diagnose 2. Treat. 3. Prescribe. 4. Referrals as needed (Xrays, home health care, etc), 5. Do blood tests right there, deliver it to the lab and get you the results. 6. Check-ups. - DEFINITION of an Adult Nurse Practitioner; a nurse who went back to school and has a Master’s Degree and MAKES HOUSE CALLS. - REPORT on how convenient her services are for many folks for many reasons. Good to know your “starting point” from your blood work. - REPORT on her concierge services for folks 18 and over. - REPORT that Patricia can prescribe GENERIC BRANDS and save you MONEY!!! - REPORT that she is the ONLY nurse practitioner who has this type of practice in the Coachella Valley. 1. Check-ups. 2. Overall health. 3. Yearly visits. 4. She will do the blood-draw and deliver it to the labs. 5. SHE HAS PORTABLE ULTRASOUND AND XRAY DEVICES. - DISCUSSION of the convenience of her services if you; 1. Don’t drive. 2. Don’t want to sit in the doctor’s office AND WAIT to be seen. 3. Don’t have to get up and get dressed, can be seen while bedridden. 4. Don’t have to deal w/ how long the wait time is to get an appointment w/ your primary care physician now. Patty can see you in a very timely manner. - QUESTIONS FROM “JOEY PALS” 1. What causes toe fungus? (Can get it in a gym, or from too much moisture, NOT contagious. There are different types. Easily treated. Wear cotton soxs and keep it dry.) 2. What can you do for depression and what drugs should you take? (You should see a professional. SSRI works on the brain and nervous system. Usually the side effects have things get worse before they get better. Can decrease libido and increase weight.) 3. What causes leg cramps? (Low potassium. Bananas are a good source. Use heat and elevate the leg) - REPORT that you can become a patient w/ a yearly fee, or she can bill Medicare, and her visits are charged to insurance. - REPORT that she can write prescriptions. Even for bio-identical hormones as well. - REPORT that many of her patients are seniors. - (contact info: www.crossroadstocare.org and (760) 668-1654). Patricia