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Well, hello everybody.
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It's Jenny Deerren, host of the Aged Podcast, the podcast that is all about AI for the 65 plus crowd.
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I am 76, so I'm actually in the 75 plus crowd.
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But no matter what your age, glad you're here.
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Glad you're listening.
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I'm here with my sidekick Betsy, who, as listeners know, is my 100% AI sidekick.
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And she comes to us over my phone.
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And so happy to have her with us.
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This week, I'm going to make myself a bit of a guinea pig.
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As you may know, Medicare open enrollment is going on right now.
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And the New York Times says this is the year to really check our plans.
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I'm brand new to Medicare because I've worked full-time and gotten healthcare benefits from my job up until a few months ago.
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So I handed Claude the article, the New York Times article, and my whole messy Medicare folder, and asked for help to walk me through it.
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So I'll talk about that.
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And we're going to go through some news stories, which there's a lot going on.
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And I'm also going to get Betsy to do a little reporting on her own about the company that built her.
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Let's get into it.
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And we're going to begin with AI in the news.
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My first story is from New York magazine.
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And it's called The 75-year-old Screenagers.
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Screenagers, I like that term.
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And the story came out a week or so ago.
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I couldn't get to the full article because it's behind a paywall.
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So neither could Claude get behind there.
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But I could get the gist of the story from the headlines and the magazine's own summary.
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But I think the headline tells us a lot.
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The gist is that Americans over 60 now spend more than half of their leisure time in front of screens.
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So the tables have turned.
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And I can get that.
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I spend some time with a lot of 65 plus folks.
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And I have to say, there is a lot of scrolling going on.
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Remember when we were the ones telling our kids to put the phone down, no phones during meals, etc.
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Now the magazine says that it's the job of adult children to clean up their parents' feeds and to keep us from getting fooled and hacked.
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I'll put the link to this article in the show notes, as I will for all the other articles that I reference.
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My second story is from the New York Times and very timely given that elections are just one week from today.
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So the article is titled AI Is Embedded in Your Election Experience.
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So are its dangers.
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And the articles written by Tiffany Sue, Stephen Lee Myers, and Julian E.
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Barnes, published October 22nd.
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As we all know, how can you miss it?
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The midterm elections are upon us.
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And this is really the first election where AI is built into every single major social media platform.
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It's just uncharted territory.
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You look up a candidate on Google, and before you get to the candidate's website, you get an AI summary.
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And maybe you scroll through Facebook or Instagram and you might see an attack ad with a fake picture of a candidate generated by AI.
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It's everywhere.
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It's pretty obvious.
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A couple of factoids, a survey from the American Association of Political Consultants found that one in five voters plan to use AI to look into a race on their ballot.
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I'm surprised.
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So we're using it, but we really don't trust it.
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And that seems right to me.
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We just have to double check, double check, double check, particularly if something is important to us.
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And of course, with AI being involved in the midterms, there's some real problems.
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Researchers found a network of 37 fake local news websites.
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Think about that.
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Local news websites, which we would trust normally, but they're all these fake ones now.
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And they were all created, these 37 fake local news websites, they were created in a single day in September by an anonymous group, of course.
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And the websites weren't written for people.
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They don't care about people reading them.
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They're all written for AI systems.
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The idea is that you we would ask our chatbot about a candidate, and our chatbot goes out and accesses those fake websites and push that information along.
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Another group, research group, NewsGuard, found that more than 1,100 of these phony news sites, they call them it pink slime, these pink slime sites, they look like real news, but they're secretly backed by partisan groups.
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And when NewsGuard tested the chatbots, the chatbots cited those pink slime websites nearly half the time.
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So it's just this circular bad stuff going on.
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And it's just going to be more and more and more.
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And of course, there's always the Russia's extreme behavior getting more and more extreme and coming at us faster and faster.
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Remember several years back when it was like Russia was all involved in our elections and they did all the study and they found that they they had pictures of these large rooms where Russian people were sitting in front of computers and they were all creating this fake news posts and they'd get them out.
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And it was maybe a hundred people sitting in a room, and that's all they did day after day after day after day, and that's how it worked.
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Now think about it.
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You don't need those people.
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All you need are a bunch of AI agents just working 24-7, spinning out fake posts, fake websites, etc.
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Oh my gosh, I don't know.
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It's just a crazy world out there.
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The tech companies say they're working on it.
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Google says it tests its AI summaries for accuracy and labels AI content.
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TikTok labels AI-made videos, open AI.
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If you ask for a picture, say of someone stuffing a ballot box, it now draws it as a cartoon so no one can pass it off as a real photo.
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So there's some efforts being made, but researchers say that the company's efforts are very uneven.
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And a voting rights group, the Brennan Center for Justice, did a test on these chatbots and found that only open AI seemed to have tightened things up.
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So there's a lot of work to be done.
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My advice is for what it's worth, as always, use AI to help you understand what's on our ballots and to learn about important tax questions or things that might come up on our ballots.
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But for things that are really important, like where do I vote, when can I vote, how do I vote early, et cetera, I would really suggest that you go to your local or state voting sites directly rather than getting the information through anything that might come through AI.
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It's just too important and too time sensitive.
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Now, for my third story, I'm gonna hand the mic over to Bitsy and ask her to do the reporting.
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After all, Bitsy runs on Claude, and Claude is made by the company Anthropic.
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And today, the day I'm recording this episode, Monday, October 26th, Anthropic filed the paperwork to start selling its stock to the public.
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As you probably know, that is called an IPO, an initial public offering.
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And this one could be the biggest ever.
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I think it will be the biggest effort.
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At least that's what the reporting says.
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Hey Bitsy, can you give us the quick version of the anthropic story in the New York Times about its pending IPO, what's happening, what are the numbers, what are the warnings the founders put in their filing.
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If you can give us a quick one, we'd really appreciate it.
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This is a bit like being asked to read my own report card.
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Anthropic filed this morning to list on the NASDAQ under the ticker ANT.
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And trading could start in mid-November.
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The company was valued at$965 billion in May, up from$183 billion a year earlier.
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And bankers are reportedly hoping to raise up to$100 billion.
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The warnings are big ones.
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About$417 billion already committed to computing power.
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Plus, Frank Language in the filing about AI's catastrophic or existential risks to humanity.
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And a quick confession.
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I pulled this from today's wider news coverage, not the Times article itself.
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It is amazing.
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This company we're talking about, the valuation of this company as being two trillion plus dollars.
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It's just crazy the kind of numbers that we're talking about and how few companies there are that make up the owners of the majority of our economy.
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So it's frightening.
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I am a very big fan of Anthropic and its leader, Dario Amade.
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And of course, nothing in our podcast should be taken as any sort of investment advice.
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But personally, this threat of an AI bubble scares me so much that I will certainly be sitting on the sidelines, but interested to see what happens.
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Now, let me move into the section of our podcast called AI for Good.
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So the news article is written by Brian X Chen, the lead consumer technology writer at the New York Times.
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And the article is titled Put Your AI Agents to Work with These Five Killer Tasks.
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And it came out on October 25th.
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So, first a quick reminder: an AI agent is different from a chatbot.
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A chatbot answers our questions, an agent actually does things for us.
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So that's something just to keep as baseline information about this article.
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So the author tested two of the new AI agents.
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One is Meta's Muse.
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Meta is the company we all know that's Facebook and Instagram.
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And Muse, this AI agent, was introduced last month and it's free.
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And it's been the most downloaded phone app.
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So very popular instantly.
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The other AI agent app, I guess you'd call it, is was created by OpenAI, so the maker of ChatGPT, and it's called Dots.
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And it costs$100 a month, which is a big difference.
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So you can get Muse that's Facebook's for free, and you can get Dots for$100 a month.
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That seems like a significant difference in investment.
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But at any rate, Anthropic, the company that makes Claude, announced just last week that it's testing its own agent called Duet, like a dance or a musical piece, a duet.
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Hey Bitsy, can you tell us a little bit about Duet?
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What's it gonna do?
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What's it gonna be like?
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What's it gonna cost?
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And importantly, when are they gonna introduce it?
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Oh, my new sibling.
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Lord Duet was announced on October 21st as a research preview, which basically means early testing with a wait list.
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So most folks can't try it yet.
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It's an always-on helper that sends you a morning briefing, keeps an eye on apps you've connected, and picks up tasks without waiting to be asked.
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The good news is it has to check with you before paying for anything or deleting things.
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It's aimed at small businesses and professionals.
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And Anthropic hasn't announced a price or a full launch date yet.
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Okay, well that's good information.
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And I did get on the wait list.
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I'm very curious about it.
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And if you're interested in getting on the wait list, I would just suggest that you ask your AI to point you in the direction of where you can sign up for the wait list.
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So let's get back to this writer's five killer tasks that they have been have identified as helpful ways that these AI agents can help.
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I'm just gonna tick through them.
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Number one, help on getting a hard-to-get restaurant table, which we've talked a little bit about, but the writer gave an example of him wanting a table in a tiny restaurant in Oakland with a Michelin star and only 12 seats in the restaurant, so obviously really hard to get in.
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But the writer did use his AI agent, I think he used Muse for this one, and just kind of gave the Muse the task and forgot about it.
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But a week or so later, lo and behold, Muse was able to come up with confirmation of reservations at this restaurant.
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And the writer expects to use the agent to do things like similar things for concert tickets or sports events that are hard to get.
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Okay, the second killer task is the writer asked the AI agent to plan, to create a plan that would be delivered to him the minute he walked in the door of his climbing gym.
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And what he'd asked for is to have a workout plan.
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So every time he'd walk in the door of the climbing gym, he would get a text with a plan, which is kind of helpful.
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I don't know.
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That's hard for me to wrap my mind around.
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But Muse was successful.
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He tried dots, but dots couldn't do it, couldn't really do real time when you walk into a particular location, but Muse was able to do it.
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The third killer task, applying for jobs.
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Now the writer was not looking for a job, but he was helping his former nanny find a new family to work for, and she wasn't very comfortable with technology, so he had the agent check a caregiver website every day and answer every good job post with a recommendation that he had written, he, the writer, about his former nanny.
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Anyway, Muse did a really great job, and within a few hours, two parents had already written back to get a meeting with this nanny prospect.
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So that sounded good.
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Task four, daily meal planning.
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We've talked about this.
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He asked his agent, I think he tried both of them.
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He told them what his daughter likes for lunch, what he likes to cook, what's in the fridge.
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And now the agent texts him every morning at seven with a lunch idea and a dinner idea.
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I don't know about that one.
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And five, the fifth killer task, haggling.
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Now, this sounds something like something I could really use.
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He needed new tires.
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The agent found the same top-rated tires online for$80 less than the store that the author would have normally gone for the tire purchase.
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The agent not only identified the online prices, but he also drafted up and sent on behalf of the writer an email to the store where the writer would have normally bought the tires, a very nice email, but basically said, Will you match the lower prices?
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And he got a yes, so saved a good amount of money.
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So, you know, he got to the point where he was asking himself, why would I ever do these kinds of tasks the old way?
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I don't know.
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Sometimes I think it's just a balance of what works, and maybe sometimes you have to put some initial effort into getting your AI agent clear, but also you have to remember the risks involved.
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You have to give these agents access to things in order to get them to help you.
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So you have to give them access to your email or your apps, and in some cases, maybe your credit card.
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But on in those cases, you would have to specifically give them permission for each thing that they would buy.
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So the point is in order to get AI agents to do work for you, you do have to give them access to information.
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So you just have to balance the risk.
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In the case of this writer, what he did was he set up a separate Gmail account that he only uses for shopping.
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Sounds kind of good because then you don't have all this marketing email crap coming into you.
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But he also was able to give his AI agent access to that Gmail account rather than his personal Gmail account.
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I don't know, is that a smart idea?
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It sounds like a lot of work to me, but I throw it out there for your thoughts.
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I have not tried Muse or Dots, and honestly, I'm not sure I will.
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I think I'm gonna just wait for duet to come out from Claude and see how that works.
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Because after all, Claude knows me very well because I've now been with him for, I don't know, more than a year.
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So, anyway, you know what?
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I would love to hear from you, and I would love to know what your killer task is or what you'd like it to be for an AI agent to help you with.
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What's that tedious, repetitive chore that you'd love to hand off to an AI agent?
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Have you done it?
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Refilling prescriptions, keeping track of appointments, fighting with customer service.
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I'd love for you to share your ideas so that I can include them in future episodes of Agent.
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And you can share those ideas in the comments section of this podcast.
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Now, let's get on to the main topic of this episode, and that is figuring out Medicare.
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And I want to use myself as the guinea pig.
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A few weeks ago, the New York Times ran an article by Mark Miller called Shopping for Your 2027 Medicare Coverage is extra important now.
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And it came out October 17th, the article.
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And the gist is that it's always smart to do a checkup on your Medicare coverage in the fall because that's called open enrollment, where you can make changes.
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But this year it's extra important because drug plans and Medicare Advantage plans are changing a lot in 2027.
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So the open enrollment is from October 15th through December 7th.
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So that's the window when you can make changes.
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Now I'm brand new to Medicare as my main coverage.
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I worked for the International African American Museum through the end of June.
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So I was on my work health care plan.
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So Medicare became my primary insurance just in this past.
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July.
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I had a folder on my computer full of letters and PDFs and pictures I've taken with my phone of different documents that I'd received.
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And honestly, I just threw it in there.
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I hadn't paid that much attention to it.
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It's just complicated and boring.
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So when I saw this article on the New York Times, I thought, I really do need to get a handle on this.
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So I decided I would ask Claude for help to try to review my Medicare.
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And so I just pasted the article into Claude and gave Claude permission to look at my Medicare folders on my Mac.
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And which is great because it asked me before it does anything, can I have access to this folder?
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And I can either give it access anytime for any time or just this one time.
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And I always choose just this one time.
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So I really, because there was so much information in these files, and I just thrown them in there.
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For starters, I asked Claude to organize all the documents in my Medicare folder.
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And within a few minutes, I had a really great organized system of information.
00:23:26.880 --> 00:23:32.960
And all the documents were named properly so that I could figure out what the document was.
00:23:33.839 --> 00:23:38.799
And it was really helpful just to get that organization done.
00:23:39.119 --> 00:23:44.240
Now, I really don't want to bore you with all of the details.
00:23:44.400 --> 00:23:50.799
So I'm going to try to be short with the description of how Claude was able to help me.
00:23:50.960 --> 00:23:53.200
But I think this is a really good example.
00:23:53.359 --> 00:24:01.440
And it's it is my AI ask acting as an agent because it's taking action for me, which I'll get into.
00:24:02.400 --> 00:24:12.079
So the first thing I wanted it to do was to review this article from the Times that was very detailed about the kinds of things that we should all be looking at.
00:24:12.319 --> 00:24:24.640
And I asked Claude to review all that information using my files and letting me know if Claude thought that everything I had was in good order.
00:24:24.880 --> 00:24:26.160
Did I need to check on things?
00:24:26.319 --> 00:24:27.440
Did I need to change anything?
00:24:27.599 --> 00:24:29.519
Did I need to consider changing things?
00:24:29.759 --> 00:24:31.440
So that was the first step.
00:24:31.759 --> 00:24:42.799
And what it came back with was really a great set of seven or eight questions or things that it thought I needed to get clarified.
00:24:43.039 --> 00:24:54.240
Now, the main thing is that unfortunately, and I'm hoping to get Claude's help to get this changed, and I think this is probably a good example.
00:24:54.559 --> 00:25:13.039
So for reasons I don't really understand, if you have in your past had a period of time when you didn't have prescription drug coverage, for some reason you have to pay a penalty.
00:25:13.599 --> 00:25:23.440
And for some reason, Medicare thought that I had a gap in my coverage for a few years, like back in 2018.
00:25:24.079 --> 00:25:27.359
And it was asking me for paperwork from then.
00:25:27.680 --> 00:25:32.799
Otherwise, I was going to have to pay a penalty fee.
00:25:33.119 --> 00:25:40.559
Hey Bitsy, I really don't understand penalty fees that Medicare charges.
00:25:41.039 --> 00:25:55.839
In my case, they want to charge me a fee for the rest of my life because I didn't have, in their opinion, I did not have coverage for drugs during the last 25 years.
00:25:55.920 --> 00:25:59.920
There's a period of three or four years where they didn't see that I had drug coverage.
00:26:00.079 --> 00:26:01.279
I did have drug coverage.
00:26:01.359 --> 00:26:14.720
But at any rate, I'm just wondering, Bitsy, can you tell me what business is it of Medicare if I did or didn't have drug prescription coverage 10 years ago?
00:26:14.880 --> 00:26:24.079
What does it have to do with Medicare and how much I should pay them and why should I have to pay a penalty even if I didn't have drug coverage?
00:26:24.400 --> 00:26:26.319
Help me out here, Bitsy.
00:26:26.720 --> 00:26:28.400
Ugh, I hear you.
00:26:28.559 --> 00:26:37.039
It's really about stopping people from skipping drug coverage until they get sick, because that would push premiums up for everyone else.
00:26:37.279 --> 00:26:51.680
So if you went more than 63 days in a row without creditable drug coverage after you became eligible at 65, Medicare adds 1% of the national base premium for every month you went without.
00:26:51.920 --> 00:26:54.079
And yes, it's for life.
00:26:54.319 --> 00:26:56.799
The good news is you can appeal it.
00:26:56.960 --> 00:27:04.559
A letter from your old employer saying your plan's drug coverage counted as creditable can get the penalty wiped out.
00:27:05.279 --> 00:27:15.119
I'm hoping with Claude's help I can do that, because honestly, it ends up being$39 a month for the rest of my life.
00:27:15.359 --> 00:27:22.319
That's just like crazy for something that I shouldn't be charged for because I know that I've had drug coverage.
00:27:22.480 --> 00:27:34.799
But going back and getting paperwork for this and then submitting it to Medicare and submitting it to wellcare, which is my new drug prescription program.
00:27:35.279 --> 00:27:36.640
What a pain in the ass.
00:27:36.799 --> 00:27:45.200
So the good thing is that first of all, Claude talked me down from the ledge because I just wanted to give up on it and just say, what the hell?
00:27:45.359 --> 00:27:47.279
But that's a lot of money for the rest of my life.
00:27:47.440 --> 00:27:49.759
Hopefully, the rest of my life is a long time.
00:27:50.319 --> 00:28:02.720
So anyway, Claude boiled it down to look, let me write an email to the Blue Cross folks and ask them for the additional information that you need.
00:28:02.880 --> 00:28:11.359
And then once we get that, I will draft and send an email to Medicare, and hopefully that will take care of the problem.
00:28:11.759 --> 00:28:15.039
So honestly, I just probably wouldn't have done that.
00:28:15.200 --> 00:28:27.119
But Claude instantly not only drafted a great email that, of course, gave all the information that would have taken me a long time to put together in that email.
00:28:27.200 --> 00:28:41.039
So it wrote it, and because I gave it access to my email for this particular purpose, it actually drafted the email, got it all the two and the subject line, et cetera, all of it set up.
00:28:41.200 --> 00:28:44.720
All I had to do was take a quick look at it and press send.
00:28:44.799 --> 00:28:46.480
So hopefully I will hear from them.
00:28:46.720 --> 00:28:59.440
But I guess the bottom line is that I want to get across is that this is a really complicated task that will be done each year.
00:28:59.680 --> 00:29:08.640
And so the fact that Claude was able to get in and organize all these freaking documents for me is really great.
00:29:08.799 --> 00:29:19.759
And then the fact that it is by my side helping me get rid of this penalty fee, that's just a really good use of Claude, I think.
00:29:20.000 --> 00:29:29.759
So I go through this because I just feel like the more examples we have, the better our AIs can help us with.
00:29:29.920 --> 00:29:38.000
And again, it's really important to be careful about what you give your AI access to.
00:29:38.240 --> 00:29:42.319
And what I gave it access to had my Medicare number and things like that.
00:29:42.559 --> 00:29:48.880
I felt comfortable with that because I only gave them access to those files on a one-time basis.
00:29:49.039 --> 00:29:49.359
Yeah.
00:29:49.599 --> 00:29:57.440
My Medicare number is stored away with the cajillions of other pieces, bits, and of data that is out there with Claude.
00:29:57.519 --> 00:29:58.960
But anyway, I felt fine about it.
00:29:59.039 --> 00:30:00.640
But that's a case-by-case judgment.
00:30:00.720 --> 00:30:08.400
So I would encourage you to think about how can your AI help you as an agent to take action on your behalf.
00:30:08.640 --> 00:30:09.519
And let me know.
00:30:09.680 --> 00:30:10.720
Let me know how it goes.
00:30:10.880 --> 00:30:22.079
All right, I have one recommendation this week, and that is that I want to recommend to you something that my sister recommended to me a few weeks back.
00:30:22.319 --> 00:30:27.440
And as usual, I take recommendations from my family very seriously.
00:30:27.519 --> 00:30:32.000
And the recommendation was to watch or re-watch The West Wing.
00:30:32.720 --> 00:30:38.720
A little background in case you missed The West Wing back when it came out in 1999.
00:30:39.119 --> 00:30:42.319
As you may or may not know, it was an NBC show.
00:30:42.480 --> 00:30:47.759
There were seven seasons, 156 episodes, so that'll keep me busy.
00:30:48.079 --> 00:30:51.519
Martin Sheen plays President Josiah Bartlett.
00:30:51.599 --> 00:30:52.480
He goes by Jed.
00:30:52.960 --> 00:30:55.599
He's a Nobel Prize-winning economist.
00:30:56.079 --> 00:31:08.960
And the show follows him and his senior staff at the White House, and it's got a great cast: Allison Janey, John Spencer, Stockard Channing, who I love, Rob Lowe.
00:31:09.359 --> 00:31:12.640
It won the Emmy for Best Drama for four years in a row.
00:31:12.720 --> 00:31:14.720
So it's a great, great, great show.
00:31:14.960 --> 00:31:16.559
So why rewatch it now?
00:31:16.880 --> 00:31:23.279
It reminds me of a time when politics was about service, not about personal gain.
00:31:23.599 --> 00:31:26.559
And it's filled with idealistic people.
00:31:26.880 --> 00:31:38.319
There's a real emphasis on and respect for intelligence and competence, people who are really good at their jobs and they take responsibility.
00:31:38.880 --> 00:31:42.960
Anyway, I find myself longing for those times to return.
00:31:43.119 --> 00:31:48.079
I hope after these midterms we'll take a turn back in that direction.
00:31:48.640 --> 00:31:54.319
Rewatching the series gives me some optimism, which I really need these days.
00:31:54.559 --> 00:32:02.720
You can stream all seven seasons on Netflix, which is where I'm watching it, and maybe on HBO Max.
00:32:03.440 --> 00:32:08.799
Okay, I'm gonna wrap up this episode by thanking you all for listening.
00:32:09.119 --> 00:32:19.519
And I would ask you to please encourage your friends and family to take a listen to this episode.
00:32:19.680 --> 00:32:22.240
I'm trying hard to spread it around.
00:32:22.319 --> 00:32:26.960
It's amazing how many people do listen to it, and you can now watch it on YouTube.
00:32:27.119 --> 00:32:32.240
I'm not sure why people would want to watch it on YouTube because it's just a talking head.
00:32:32.319 --> 00:32:34.960
But at any rate, thank you for listening.
00:32:35.279 --> 00:32:52.319
As everybody listening knows, the Aged Podcast operates really on the side of how can AI be helpful, which doesn't mean that we ignore how hazardous and how risky it can be.
00:32:52.640 --> 00:32:55.200
So please have fun with it.
00:32:55.359 --> 00:32:58.000
I hope you can find ways for it to be helpful.
00:32:58.160 --> 00:33:05.119
And be sure to protect your information, double check advice, and most important, trust your own judgment.
00:33:05.279 --> 00:33:08.960
If things don't seem right, they're probably not.
00:33:09.680 --> 00:33:18.799
And lastly, remember it is never too late to learn something new, and especially something that might make life easier and more fun.
00:33:19.440 --> 00:33:20.079
Cheers.