1 00:00:02,720 --> 00:00:03,640 Speaker 1: Life Audio. 2 00:00:06,720 --> 00:00:09,320 Speaker 2: Welcome to I Wish you could hear this, where we 3 00:00:09,480 --> 00:00:13,239 Speaker 2: explore great stories and simple, proven steps to help you 4 00:00:13,400 --> 00:00:16,000 Speaker 2: thrive in life, faith, and relationships. 5 00:00:16,040 --> 00:00:20,920 Speaker 3: In our research, we've heard hundreds of Hopefield strategies for marriage, parenting, leadership, 6 00:00:21,000 --> 00:00:24,319 Speaker 3: and life that are grounded in science and consistent with 7 00:00:24,360 --> 00:00:26,360 Speaker 3: biblical truth, and now you can. 8 00:00:26,280 --> 00:00:26,920 Speaker 1: Hear them too. 9 00:00:29,800 --> 00:00:31,320 Speaker 2: I'm Shanti Feldhon. 10 00:00:31,000 --> 00:00:31,960 Speaker 3: And I'm Jeff Felton. 11 00:00:32,200 --> 00:00:35,320 Speaker 2: Before we introduce our guests for today, we want to 12 00:00:35,400 --> 00:00:38,520 Speaker 2: let you know this is not a typical show as 13 00:00:38,560 --> 00:00:41,559 Speaker 2: far as it relates to the Aha moments that we 14 00:00:41,640 --> 00:00:45,920 Speaker 2: usually uncover, but we hope you'll find it just as interesting. 15 00:00:46,440 --> 00:00:50,519 Speaker 2: And if you are self employed or concerned about how 16 00:00:50,520 --> 00:00:53,920 Speaker 2: you're going to afford your rising health care costs, which 17 00:00:54,080 --> 00:00:57,120 Speaker 2: you know we all are, we are hoping you'll actually 18 00:00:57,120 --> 00:01:01,960 Speaker 2: find this episode helpful because today we're diving into what we, 19 00:01:02,440 --> 00:01:06,360 Speaker 2: as self employed folks, have done for healthcare coverage and 20 00:01:06,400 --> 00:01:09,720 Speaker 2: how God provided for the huge healthcare costs that have 21 00:01:09,840 --> 00:01:17,399 Speaker 2: come with my ongoing breast cancer treatment. For eight years 22 00:01:17,480 --> 00:01:20,720 Speaker 2: or probably more than that now, we've been members of 23 00:01:20,760 --> 00:01:24,640 Speaker 2: a healthcare sharing ministry called Metashare, and we've had many 24 00:01:24,760 --> 00:01:29,480 Speaker 2: people ask us what is metashir like. So, now that 25 00:01:29,560 --> 00:01:32,679 Speaker 2: we're in open enrollment season and lots of families are 26 00:01:32,720 --> 00:01:37,039 Speaker 2: experiencing sticker shock about their insurance premiums, I wanted to 27 00:01:37,080 --> 00:01:40,680 Speaker 2: have a candid conversation with Meta SHARE's chief medical officer, 28 00:01:40,959 --> 00:01:43,920 Speaker 2: doctor Ian Day. We're going to ask him all the 29 00:01:44,000 --> 00:01:48,280 Speaker 2: questions you would probably want to ask and share our story. 30 00:01:48,720 --> 00:01:52,160 Speaker 2: So if you are curious about metashare as an alternative 31 00:01:52,240 --> 00:01:57,400 Speaker 2: to traditional healthcare, or you're disinterested in biblical wellness and stewardship, 32 00:01:57,640 --> 00:01:59,960 Speaker 2: that's what we're going to be covering on this episode 33 00:02:00,080 --> 00:02:01,080 Speaker 2: of I wish you could hear. 34 00:02:01,040 --> 00:02:04,840 Speaker 3: This, Doctor Day, thank you for joining us on the podcast. 35 00:02:05,800 --> 00:02:08,960 Speaker 4: Shanti and Jeff, thank you for having me on your show. 36 00:02:09,560 --> 00:02:11,920 Speaker 3: Thanks well, you know you said that it was going 37 00:02:12,000 --> 00:02:15,880 Speaker 3: to be somewhat educational. I think it's also going to 38 00:02:15,880 --> 00:02:18,679 Speaker 3: be encouraging because we've had a conversation with doctor Day 39 00:02:19,200 --> 00:02:25,440 Speaker 3: off camera and honestly, what metashare has done for us, yeah, 40 00:02:25,440 --> 00:02:29,160 Speaker 3: and what I think people you know, feeling the stress 41 00:02:29,680 --> 00:02:33,360 Speaker 3: of how they're going to provide for their health, you 42 00:02:33,360 --> 00:02:36,200 Speaker 3: know coverage, you know, I think this should be and 43 00:02:36,240 --> 00:02:39,800 Speaker 3: will be encouraging for the listeners. So for the listeners 44 00:02:40,160 --> 00:02:42,079 Speaker 3: who this is kind of all new, let me give 45 00:02:42,080 --> 00:02:45,840 Speaker 3: you a quick introduction of who doctor Day is. He's 46 00:02:45,880 --> 00:02:49,680 Speaker 3: been a practicing physician for over twenty five years and 47 00:02:49,760 --> 00:02:53,200 Speaker 3: serves as the chief medical officer at Metashare. He has 48 00:02:53,320 --> 00:02:57,160 Speaker 3: broad experience in the healthcare industry and a passion for 49 00:02:57,320 --> 00:02:58,280 Speaker 3: Biblical wellness. 50 00:02:58,480 --> 00:03:00,760 Speaker 2: Yeah, and doctor Day, I want you, in just a 51 00:03:00,800 --> 00:03:03,680 Speaker 2: minute to share with our listeners a bit more about 52 00:03:03,720 --> 00:03:06,760 Speaker 2: how metashare works, sort of directly. But before we get 53 00:03:06,800 --> 00:03:09,760 Speaker 2: into that, we want to tell our story of what 54 00:03:09,880 --> 00:03:13,720 Speaker 2: prompted us to consider metas share. To begin with, back 55 00:03:13,840 --> 00:03:16,799 Speaker 2: in I think it was twenty seventeen or so, due 56 00:03:16,840 --> 00:03:21,880 Speaker 2: to the impact of the Affordable Care Act that ACA, and. 57 00:03:21,800 --> 00:03:23,440 Speaker 3: You and I have had a little bit of a 58 00:03:23,440 --> 00:03:25,440 Speaker 3: disagreement on this date of time. 59 00:03:25,760 --> 00:03:27,200 Speaker 2: I need, I need to just look it up on 60 00:03:27,240 --> 00:03:29,240 Speaker 2: the portal. I think it was when seventeen. 61 00:03:29,440 --> 00:03:30,760 Speaker 3: I think it was twenty thirteen. 62 00:03:31,400 --> 00:03:34,840 Speaker 2: Nevertheless, nevertheless, we've been medishare members for a while. But 63 00:03:35,760 --> 00:03:39,520 Speaker 2: in whatever year that was, I think it was twenty seventeen. 64 00:03:40,400 --> 00:03:47,080 Speaker 2: Because of the ACA, suddenly there were different localities around 65 00:03:47,120 --> 00:03:51,320 Speaker 2: the country that became insurance dead zones. A lot of 66 00:03:51,320 --> 00:03:53,560 Speaker 2: people may not be aware of this, but there are 67 00:03:53,560 --> 00:03:58,000 Speaker 2: these places where all of the regular insurance companies pulled out, 68 00:03:58,360 --> 00:04:01,560 Speaker 2: so and our area was one of them. So, you know, 69 00:04:01,640 --> 00:04:04,520 Speaker 2: our insurance company was ETNA at the time, and they 70 00:04:04,680 --> 00:04:06,760 Speaker 2: sent us a letter saying, hey, we're no longer going 71 00:04:06,800 --> 00:04:10,440 Speaker 2: to provide insurance to your area, so sorry. And so 72 00:04:10,480 --> 00:04:14,080 Speaker 2: we went online to the you know, central portal to 73 00:04:14,120 --> 00:04:17,080 Speaker 2: figure out, okay, what are our other options as self 74 00:04:17,080 --> 00:04:21,640 Speaker 2: employed people buying in you know, independent insurance plans, and 75 00:04:21,680 --> 00:04:26,640 Speaker 2: we were completely shocked to find there were no normal 76 00:04:27,000 --> 00:04:32,120 Speaker 2: insurance plans being offered, literally none. So we were forced 77 00:04:32,240 --> 00:04:34,960 Speaker 2: to look at other options, and that's when we first 78 00:04:35,000 --> 00:04:39,440 Speaker 2: found meta share and we loved the lower monthly premium, 79 00:04:39,520 --> 00:04:42,720 Speaker 2: even though meta share doesn't call it that. But we 80 00:04:42,720 --> 00:04:45,440 Speaker 2: were a little skeptical at first, to be honest, because 81 00:04:45,760 --> 00:04:49,200 Speaker 2: our son had epilepsy and our daughter had asthma. We 82 00:04:49,320 --> 00:04:51,159 Speaker 2: knew that we would be paying a bit out of 83 00:04:51,200 --> 00:04:55,920 Speaker 2: pocket because those were considered pre existing conditions for three years, 84 00:04:56,480 --> 00:04:59,760 Speaker 2: and we were worried, like, what if something down the 85 00:04:59,800 --> 00:05:03,400 Speaker 2: road really big happens, how is this going to work? 86 00:05:04,000 --> 00:05:07,400 Speaker 2: And then four days before Christmas in twenty twenty, that 87 00:05:07,520 --> 00:05:11,320 Speaker 2: really big thing did happen. And I've spent the last 88 00:05:11,360 --> 00:05:15,400 Speaker 2: almost five years undergoing breast cancer treatment and metas share 89 00:05:15,800 --> 00:05:21,159 Speaker 2: was magnificent. Sorry I get emotional about it. We found 90 00:05:21,200 --> 00:05:25,600 Speaker 2: it really does work. It's a completely different model of 91 00:05:25,640 --> 00:05:28,039 Speaker 2: how to cover healthcare. It takes them getting used to, 92 00:05:29,080 --> 00:05:33,159 Speaker 2: but it has definitely been a blessing to us. And 93 00:05:33,240 --> 00:05:35,839 Speaker 2: so I will put this in the show notes, but 94 00:05:35,880 --> 00:05:37,920 Speaker 2: I'm going to give you a link before I forget. 95 00:05:38,279 --> 00:05:41,120 Speaker 2: You can check metashare out directly at metashare dot com, 96 00:05:41,120 --> 00:05:46,039 Speaker 2: slash serve or text the word serve to seven zero 97 00:05:46,120 --> 00:05:49,600 Speaker 2: two four six. Okay, I'm going to get my emotions 98 00:05:49,640 --> 00:05:52,360 Speaker 2: of her control here on to the questions for there. 99 00:05:52,800 --> 00:05:56,160 Speaker 3: Yeah, and those emotions are real, I mean yeah, I'm 100 00:05:56,200 --> 00:06:00,640 Speaker 3: not making it. These moments in our life is where 101 00:06:00,839 --> 00:06:05,400 Speaker 3: we life can take a turn, and that was one 102 00:06:05,440 --> 00:06:09,240 Speaker 3: of them, and one of them exactly, and it could 103 00:06:09,279 --> 00:06:13,880 Speaker 3: have been compounded and gone through very differently than we did. 104 00:06:14,120 --> 00:06:14,360 Speaker 2: Yeah. 105 00:06:14,520 --> 00:06:17,960 Speaker 3: So, doctor day, for the listeners, I mean, could you 106 00:06:18,080 --> 00:06:22,800 Speaker 3: share with them what meta share is and how it 107 00:06:22,880 --> 00:06:25,440 Speaker 3: differs from traditional health insurance. 108 00:06:25,880 --> 00:06:28,799 Speaker 4: Yes, thank you for that opportunity, and thank you Shanty 109 00:06:28,880 --> 00:06:33,120 Speaker 4: for opening up and telling us about your short story. 110 00:06:33,839 --> 00:06:35,880 Speaker 4: I just want to say that, you know, we care 111 00:06:36,000 --> 00:06:38,960 Speaker 4: for you. We care for you Shanty, we care for 112 00:06:39,000 --> 00:06:43,799 Speaker 4: you Jeff, and that's something that distinguishes us from insurance 113 00:06:43,839 --> 00:06:46,839 Speaker 4: as well. I just want to say that as an aside, 114 00:06:47,080 --> 00:06:47,479 Speaker 4: thank you. 115 00:06:47,760 --> 00:06:48,000 Speaker 1: Yeah. 116 00:06:48,040 --> 00:06:53,479 Speaker 4: Now you mentioned Meta Share and sometimes people have heard 117 00:06:53,520 --> 00:06:56,440 Speaker 4: of Christian Care Ministry, so it might be worthwhile kind 118 00:06:56,480 --> 00:06:59,360 Speaker 4: of to back up a bit and define. 119 00:06:59,000 --> 00:06:59,600 Speaker 1: What those are. 120 00:07:01,560 --> 00:07:05,640 Speaker 4: Christian Care Ministry or CCM, is a not for profit 121 00:07:05,760 --> 00:07:11,280 Speaker 4: five oh one C three organization that administers the Medshare program. Well, 122 00:07:11,480 --> 00:07:16,160 Speaker 4: what's the Medicare program? It is an accredited healthcare sharing ministry. 123 00:07:17,320 --> 00:07:22,560 Speaker 4: It's a membership, a community of believers that enables members 124 00:07:22,880 --> 00:07:27,080 Speaker 4: to share in other members medical bills according to guidelines 125 00:07:27,160 --> 00:07:31,600 Speaker 4: voted on by the members themselves. So members share in 126 00:07:31,640 --> 00:07:35,840 Speaker 4: other members medical bills through their own individual member accounts. 127 00:07:37,040 --> 00:07:40,200 Speaker 4: What's the purpose behind Metashare? And I think this will 128 00:07:40,240 --> 00:07:42,040 Speaker 4: bring some contrast with insurance as well. 129 00:07:42,760 --> 00:07:42,920 Speaker 1: Well. 130 00:07:42,920 --> 00:07:46,640 Speaker 4: Our purpose in metshare is to bring Christians together over 131 00:07:46,640 --> 00:07:50,280 Speaker 4: the past thirty two years, to share in God's blessings 132 00:07:50,320 --> 00:07:55,520 Speaker 4: and to share each other's burdens. Members share in each 133 00:07:55,560 --> 00:08:02,000 Speaker 4: other's eligible medical bills, and that means bills from doctors, hospitals, operations, 134 00:08:02,320 --> 00:08:06,800 Speaker 4: testing treatments, etc. But also we share in these spiritual 135 00:08:06,800 --> 00:08:11,200 Speaker 4: burdens that often arise in the healthcare journey. So staff 136 00:08:11,560 --> 00:08:15,520 Speaker 4: come alongside members in prayer with every call. We have 137 00:08:15,600 --> 00:08:20,760 Speaker 4: multiple departments in this organization, and one of the departments 138 00:08:21,120 --> 00:08:24,560 Speaker 4: had over four hundred thousand prayers last year and that's 139 00:08:24,560 --> 00:08:25,360 Speaker 4: just one department. 140 00:08:25,760 --> 00:08:26,360 Speaker 1: So I love that. 141 00:08:28,400 --> 00:08:31,960 Speaker 4: How impactful is that that hundreds of thousands of calls 142 00:08:32,040 --> 00:08:36,720 Speaker 4: go up in prayer and staff come alongside members with 143 00:08:36,920 --> 00:08:41,480 Speaker 4: coaching and education. And it's important to I think take 144 00:08:41,520 --> 00:08:46,240 Speaker 4: away this idea that the Metashare program is built on 145 00:08:46,280 --> 00:08:50,319 Speaker 4: a foundation of like ideals agreed upon by the members. 146 00:08:50,920 --> 00:08:54,520 Speaker 4: So there's peace of mind knowing that people sharing your 147 00:08:54,559 --> 00:08:58,720 Speaker 4: contributions are not using your money for things that conflict 148 00:08:59,000 --> 00:09:01,720 Speaker 4: with your faith. In other words, there's peace of mind 149 00:09:01,760 --> 00:09:06,080 Speaker 4: participating in God honoring health care. And this aligns with 150 00:09:06,720 --> 00:09:10,360 Speaker 4: Acts Chapter two and Acts Chapter four, which is some 151 00:09:10,400 --> 00:09:15,760 Speaker 4: of the building principles that Metashre was founded on back 152 00:09:15,760 --> 00:09:19,720 Speaker 4: in nineteen ninety three. In metashere, all the adult members 153 00:09:19,800 --> 00:09:23,920 Speaker 4: must acknowledge Jesus Christ as their Lord and Savior and 154 00:09:24,080 --> 00:09:28,080 Speaker 4: profess to the posted statement of faith in order even 155 00:09:28,120 --> 00:09:31,280 Speaker 4: to qualify for membership. You don't see that in insurance, 156 00:09:31,760 --> 00:09:34,480 Speaker 4: and members agree, and members agree to live by a 157 00:09:34,520 --> 00:09:39,920 Speaker 4: biblical bi biblical lifestyle, biblical standards, bearing one another's burdens 158 00:09:40,080 --> 00:09:42,800 Speaker 4: in prayer, and regularly attending church. 159 00:09:43,640 --> 00:09:46,040 Speaker 1: So hopefully in kind of going. 160 00:09:45,840 --> 00:09:50,720 Speaker 4: Through that, one can see the difference between metashare health 161 00:09:50,720 --> 00:09:52,880 Speaker 4: care sharing at insurance. 162 00:09:53,640 --> 00:09:57,319 Speaker 2: Well, and it makes sense of why medashare is so 163 00:09:57,400 --> 00:10:02,640 Speaker 2: much cheaper than traditional insur because you've got, hopefully the 164 00:10:03,320 --> 00:10:10,520 Speaker 2: group of people that are contributing in are hopefully living 165 00:10:11,240 --> 00:10:16,760 Speaker 2: maybe a more healthy lifestyle, trusting the Lord for you know, 166 00:10:16,800 --> 00:10:21,000 Speaker 2: behavioral choices even when it's difficult because you know, being 167 00:10:21,000 --> 00:10:25,000 Speaker 2: a part of church and community, Hopefully you've got a 168 00:10:25,040 --> 00:10:28,640 Speaker 2: group of people that's better risk from care. 169 00:10:28,800 --> 00:10:32,800 Speaker 4: You're right, when you have insurance, you pay for other 170 00:10:33,400 --> 00:10:39,600 Speaker 4: people's lifestyle choices, which could be non biblical lifestyle choices. Well, 171 00:10:39,640 --> 00:10:44,880 Speaker 4: our membership has decided that it won't share in illegal 172 00:10:44,920 --> 00:10:48,120 Speaker 4: drug usage. You know, say somebody's in the hospital because 173 00:10:48,160 --> 00:10:52,240 Speaker 4: of a car wreck because of cocaine or something like that, 174 00:10:52,520 --> 00:10:57,520 Speaker 4: or drunk driving. Well, these things are not shared in 175 00:10:57,640 --> 00:11:02,520 Speaker 4: the membership has decided to sup biblical lifestyle not non 176 00:11:02,559 --> 00:11:07,000 Speaker 4: biblical lifestyle choices. So Medicare does not share in abortion 177 00:11:08,240 --> 00:11:14,439 Speaker 4: or gender reassignment treatments or mutilating operations. 178 00:11:13,800 --> 00:11:15,839 Speaker 1: Such as that. So you're right. 179 00:11:16,120 --> 00:11:21,200 Speaker 4: When you exclude non biblical lifestyle choices, you can then 180 00:11:21,320 --> 00:11:26,720 Speaker 4: have a more affordable healthcare option. 181 00:11:31,920 --> 00:11:36,800 Speaker 2: There is a very unique and actually quite emotional thing 182 00:11:37,480 --> 00:11:39,960 Speaker 2: that happens when you've been used to dealing with normal 183 00:11:40,000 --> 00:11:42,959 Speaker 2: insurance and then you're on the phone with Menashare, which 184 00:11:43,400 --> 00:11:46,520 Speaker 2: you know, it's a big organization that has policies and 185 00:11:46,800 --> 00:11:48,199 Speaker 2: phone lines and waiting. 186 00:11:47,920 --> 00:11:50,080 Speaker 3: And things they need to accompli and things they need. 187 00:11:49,960 --> 00:11:52,520 Speaker 2: To accomplize, just like you know, just like any other 188 00:11:53,240 --> 00:11:56,520 Speaker 2: organization that's serving you know, hundreds of thousands of people. 189 00:11:58,000 --> 00:12:02,600 Speaker 2: But there is something really like whoa that happens when 190 00:12:02,600 --> 00:12:05,480 Speaker 2: you've been okay, can I have this thing that I 191 00:12:05,520 --> 00:12:07,920 Speaker 2: don't think this charge was right? Can I you know, 192 00:12:08,040 --> 00:12:10,960 Speaker 2: get meticers help to do whatever? And you're going through 193 00:12:11,000 --> 00:12:13,640 Speaker 2: all the technical stuff and then you end with the 194 00:12:13,640 --> 00:12:17,960 Speaker 2: person saying, how can I pray for you today? And 195 00:12:18,000 --> 00:12:20,000 Speaker 2: it's just late. 196 00:12:20,400 --> 00:12:23,319 Speaker 3: Well, in my case, the first time that happened it 197 00:12:23,440 --> 00:12:26,760 Speaker 3: was you know, I love prayer, but it was pretty jarring. 198 00:12:27,679 --> 00:12:28,880 Speaker 1: Yes, it was. 199 00:12:30,480 --> 00:12:33,880 Speaker 3: Excuse me what, Okay, I. 200 00:12:33,800 --> 00:12:35,640 Speaker 2: Have to tell the story of what happened a couple 201 00:12:35,640 --> 00:12:39,800 Speaker 2: weeks ago because I was at Part of the issue 202 00:12:39,800 --> 00:12:41,319 Speaker 2: with the breast cancer is that I have to take 203 00:12:41,360 --> 00:12:45,880 Speaker 2: these daily cancer therapy drugs that make you at higher 204 00:12:45,920 --> 00:12:47,960 Speaker 2: risk for other things, and so in my case that's 205 00:12:48,040 --> 00:12:50,760 Speaker 2: kidney stones, which is lovely right that I'm at higher 206 00:12:50,840 --> 00:12:53,640 Speaker 2: risk for kidney stones. So a few weeks ago I 207 00:12:53,679 --> 00:12:57,280 Speaker 2: was at an ultrasound center to get an ultrasounds to 208 00:12:57,280 --> 00:13:01,000 Speaker 2: figure out what's going on, and there as a mix up, 209 00:13:01,120 --> 00:13:03,920 Speaker 2: as often happens with the business office of this place, 210 00:13:04,080 --> 00:13:06,760 Speaker 2: and you know, they hadn't called METASHR or whatever, and 211 00:13:06,800 --> 00:13:10,160 Speaker 2: we need, you need to get pre notified in order 212 00:13:10,200 --> 00:13:13,320 Speaker 2: to you know, do these things. And so the billing 213 00:13:13,440 --> 00:13:17,000 Speaker 2: lady at this older some place pulls me into her 214 00:13:17,040 --> 00:13:20,120 Speaker 2: office and we spend I don't know twenty minutes on 215 00:13:20,160 --> 00:13:22,560 Speaker 2: the phone with her going through all the different menus 216 00:13:22,720 --> 00:13:25,839 Speaker 2: and talking to Okay, here's what we need as far 217 00:13:25,960 --> 00:13:29,480 Speaker 2: as the pre notification whatever. And she was very polite 218 00:13:29,480 --> 00:13:31,560 Speaker 2: and the metasure of people were great. We get to 219 00:13:31,600 --> 00:13:34,680 Speaker 2: the end of the call, and the lady on the 220 00:13:34,720 --> 00:13:37,360 Speaker 2: other end of the line, it Metish says to the 221 00:13:37,400 --> 00:13:40,840 Speaker 2: insurance to the billing lady, how can I pray for 222 00:13:40,880 --> 00:13:43,240 Speaker 2: you today? And you could see the billing lady was 223 00:13:43,240 --> 00:13:48,720 Speaker 2: like what, like, I'm good, thanks and hung up. And 224 00:13:48,800 --> 00:13:51,680 Speaker 2: she said, you know, I feel like I'm constantly on 225 00:13:51,720 --> 00:13:54,480 Speaker 2: the phone with these folks and you know, spending ten 226 00:13:54,559 --> 00:13:58,480 Speaker 2: twenty minutes talking to whatever about whatever, and you know, 227 00:13:58,720 --> 00:14:01,800 Speaker 2: just that's they're all the same, I said. And she's like, 228 00:14:01,880 --> 00:14:04,320 Speaker 2: I just I just did the same thing with that 229 00:14:04,400 --> 00:14:08,400 Speaker 2: not ten minutes ago. And I said, except ETNA didn't 230 00:14:08,440 --> 00:14:11,120 Speaker 2: offer to pray with you at the end of the call, 231 00:14:11,480 --> 00:14:14,320 Speaker 2: and she just about spin on her coffee, like she 232 00:14:14,520 --> 00:14:19,640 Speaker 2: started laughing. She was like, okay, good point. And then 233 00:14:19,920 --> 00:14:22,240 Speaker 2: we had our little meeting that we needed to have 234 00:14:22,320 --> 00:14:24,960 Speaker 2: about it. And as I walked out, I could tell 235 00:14:25,560 --> 00:14:28,480 Speaker 2: that she just was having like a hard day, like 236 00:14:28,560 --> 00:14:30,200 Speaker 2: it was a you could just tell, you know how 237 00:14:30,240 --> 00:14:32,760 Speaker 2: sometimes you can just tell with people. And I said, 238 00:14:32,800 --> 00:14:38,440 Speaker 2: you have been so kind doing this whole thing and 239 00:14:38,040 --> 00:14:41,920 Speaker 2: trying to take care of all of these things. Can 240 00:14:41,960 --> 00:14:44,720 Speaker 2: I can I pray for you? You seem a little 241 00:14:45,440 --> 00:14:47,280 Speaker 2: like like today's a hard day. She said, it is 242 00:14:47,320 --> 00:14:51,240 Speaker 2: a hard day, and she said, okay, and I guarantee 243 00:14:51,280 --> 00:14:53,960 Speaker 2: you that that door would not have been opened. And 244 00:14:54,000 --> 00:14:55,760 Speaker 2: I just prayed for her for just like a minute, 245 00:14:56,480 --> 00:14:59,280 Speaker 2: but I guarantee that door would not have been opened 246 00:14:59,440 --> 00:15:04,240 Speaker 2: if it had haven't been for meta share. Lady. Oh, 247 00:15:04,240 --> 00:15:06,720 Speaker 2: that's great doing the same thing and setting it up 248 00:15:06,800 --> 00:15:09,280 Speaker 2: so it is very different. 249 00:15:09,880 --> 00:15:11,520 Speaker 4: And of course that's not just meta share. It's as 250 00:15:11,640 --> 00:15:17,040 Speaker 4: Christians we plant these seeds right then on His providential timetable, 251 00:15:17,880 --> 00:15:21,920 Speaker 4: those seeds grow. We don't know that timetable. But our 252 00:15:22,000 --> 00:15:25,360 Speaker 4: job is to as Christians, is to share share His 253 00:15:25,400 --> 00:15:26,440 Speaker 4: word with others. 254 00:15:26,120 --> 00:15:28,000 Speaker 1: And pray for them. Yeah. 255 00:15:28,560 --> 00:15:31,320 Speaker 3: You know, one of the things that whether or not 256 00:15:31,480 --> 00:15:35,680 Speaker 3: we've been medashare members for twelve years or eight years, 257 00:15:35,840 --> 00:15:38,840 Speaker 3: Chanta and I will work that through in our marriage. 258 00:15:39,280 --> 00:15:42,720 Speaker 3: But what I can say to the listeners out there 259 00:15:42,760 --> 00:15:46,760 Speaker 3: is that at the beginning, when we started this, it 260 00:15:46,920 --> 00:15:51,200 Speaker 3: was not unusual when I would encounter a medical professional 261 00:15:51,360 --> 00:15:53,200 Speaker 3: and I'd say, you know, we use meta share and 262 00:15:53,240 --> 00:15:58,560 Speaker 3: they would go, excuse me, huh, But now I mean 263 00:15:59,640 --> 00:16:03,680 Speaker 3: they've been exposed. Yeah, and it is, it is not 264 00:16:04,280 --> 00:16:07,400 Speaker 3: It doesn't get the cock diebrow or the how do 265 00:16:07,440 --> 00:16:11,320 Speaker 3: we handle this? And so I really appreciate that that 266 00:16:11,400 --> 00:16:13,440 Speaker 3: you all have been doing this, And you said for 267 00:16:13,560 --> 00:16:18,400 Speaker 3: thirty plus years, doctor Day. So yes, so you've kind 268 00:16:18,400 --> 00:16:21,080 Speaker 3: of yeah, you've you've laid the foundation and we're all 269 00:16:21,120 --> 00:16:24,880 Speaker 3: benefiting because now it's it's a known commodity. 270 00:16:26,160 --> 00:16:28,720 Speaker 4: Yeah, it was in nineteen ninety three that meta share 271 00:16:28,960 --> 00:16:34,040 Speaker 4: was created. And you mentioned the prayer is so important, 272 00:16:34,160 --> 00:16:37,480 Speaker 4: but the next common question is well does it work? 273 00:16:38,400 --> 00:16:41,120 Speaker 4: And so a metas share has a proven track record 274 00:16:41,200 --> 00:16:44,840 Speaker 4: in that regard. For over thirty years, the meta share 275 00:16:44,880 --> 00:16:49,239 Speaker 4: community has shared in every eligible medical bill as determined 276 00:16:49,240 --> 00:16:52,840 Speaker 4: by the member voted guidelines. Wow, we now share in 277 00:16:52,880 --> 00:16:57,640 Speaker 4: more than fifty million dollars each month for share shared 278 00:16:57,760 --> 00:17:00,440 Speaker 4: medical bills. So meta share is the most trusted name 279 00:17:00,520 --> 00:17:07,520 Speaker 4: and medical share medical bill sharing and well throughout the 280 00:17:07,560 --> 00:17:10,639 Speaker 4: country it's approximately three hundred and fifty thousand. 281 00:17:10,920 --> 00:17:11,320 Speaker 1: Wow. 282 00:17:11,880 --> 00:17:14,240 Speaker 2: Okay, so you got yeah. 283 00:17:14,840 --> 00:17:19,480 Speaker 4: So it's a proven track record. And we're christ centered. 284 00:17:20,840 --> 00:17:24,320 Speaker 4: We're an accredited healthcare sharing ministry that helps Christians in 285 00:17:24,359 --> 00:17:28,080 Speaker 4: this community of believers stay true to their biblical convictions. 286 00:17:28,119 --> 00:17:32,120 Speaker 4: And you know, we understand how living for God drives 287 00:17:32,160 --> 00:17:35,720 Speaker 4: every life choice. So we create programs and services to 288 00:17:35,800 --> 00:17:40,479 Speaker 4: help you honor Him, and Meta Share supports the whole person. 289 00:17:41,080 --> 00:17:42,280 Speaker 1: It's a biblical wellness. 290 00:17:42,280 --> 00:17:46,320 Speaker 4: We're a community of believers committed to so called biblical 291 00:17:46,320 --> 00:17:49,919 Speaker 4: wellness to help our members live healthy and holy lives. 292 00:17:50,600 --> 00:17:54,119 Speaker 4: Quite distinct from insurance. 293 00:17:54,359 --> 00:17:57,040 Speaker 3: I want to get personal in a sense, just honestly 294 00:17:57,080 --> 00:18:01,280 Speaker 3: with you. So you're a medical professional. What was it 295 00:18:01,320 --> 00:18:06,840 Speaker 3: that drew you to using your skills and talents so 296 00:18:07,040 --> 00:18:10,120 Speaker 3: an organization? How did they come about? 297 00:18:10,359 --> 00:18:12,800 Speaker 4: So for over twenty five years I was in I've 298 00:18:12,800 --> 00:18:16,640 Speaker 4: been in practice in central Florida, mostly in the hospital base, 299 00:18:16,720 --> 00:18:20,560 Speaker 4: but also as a family physician in the office setting, 300 00:18:21,000 --> 00:18:23,119 Speaker 4: but mostly in the hospital setting. 301 00:18:23,160 --> 00:18:25,400 Speaker 1: And then I took. 302 00:18:25,160 --> 00:18:29,639 Speaker 4: A journey into working in hospital administration. And then it 303 00:18:29,680 --> 00:18:33,320 Speaker 4: was two januaries ago, sitting on the couch with the 304 00:18:33,359 --> 00:18:37,880 Speaker 4: wife and we're thinking, you know, I had these clinical 305 00:18:37,880 --> 00:18:43,160 Speaker 4: skills and administrative skills, but wouldn't it be nice if 306 00:18:43,200 --> 00:18:46,760 Speaker 4: there were some way of leveraging these skills in a 307 00:18:46,800 --> 00:18:51,240 Speaker 4: God honoring way. I mean that that company doesn't even exist, 308 00:18:51,280 --> 00:18:55,000 Speaker 4: does it. So the next the next morning, I get 309 00:18:55,040 --> 00:18:59,760 Speaker 4: a air quotes unsolicited paying from a recruiters. Hey, Doc, 310 00:18:59,800 --> 00:19:03,600 Speaker 4: you know there's there's this company called Metashare that needs 311 00:19:03,600 --> 00:19:04,680 Speaker 4: a chief medical. 312 00:19:04,320 --> 00:19:07,640 Speaker 2: Officer and you know, next morning. 313 00:19:08,680 --> 00:19:10,440 Speaker 4: And you know what, Doc, it's right down the street 314 00:19:10,440 --> 00:19:12,840 Speaker 4: from you, twenty minutes from where you live. And so, 315 00:19:13,080 --> 00:19:16,159 Speaker 4: uh so that was kind of a cosmic two by 316 00:19:16,240 --> 00:19:19,800 Speaker 4: four a door door I had to knock on. And 317 00:19:19,840 --> 00:19:23,920 Speaker 4: I think a lot of Christians can have stories like that. 318 00:19:23,960 --> 00:19:29,000 Speaker 4: We're God intervenes and nudges us, nudges us in our 319 00:19:29,160 --> 00:19:35,240 Speaker 4: journeys towards positions and roles and relationships so that his 320 00:19:35,800 --> 00:19:38,000 Speaker 4: so that he can be honored and glorified. 321 00:19:38,800 --> 00:19:41,960 Speaker 3: Wow, that's awesome, that is fantastic, Thank you. 322 00:19:42,040 --> 00:19:43,280 Speaker 1: So it's really prayer. 323 00:19:43,560 --> 00:19:46,600 Speaker 4: It was a prayer for how to leverage the skills 324 00:19:46,640 --> 00:19:48,520 Speaker 4: in a God honoring way, and then the next morning 325 00:19:49,320 --> 00:19:53,560 Speaker 4: came the callow. 326 00:19:54,400 --> 00:19:59,920 Speaker 2: I'd like to press in on what some people, many 327 00:20:00,080 --> 00:20:05,120 Speaker 2: people listening this are probably thinking, which is, okay, can 328 00:20:05,160 --> 00:20:10,840 Speaker 2: we talk about how this actually works? And does meta share? 329 00:20:11,080 --> 00:20:15,919 Speaker 2: Is medishere likely to save me money? And how do 330 00:20:15,960 --> 00:20:18,240 Speaker 2: you know if this is right for you? 331 00:20:18,480 --> 00:20:18,560 Speaker 3: Like? 332 00:20:18,800 --> 00:20:21,159 Speaker 2: Are there people who aren't really the right fit? So 333 00:20:22,080 --> 00:20:28,240 Speaker 2: let me just set this question of by sharing something 334 00:20:28,680 --> 00:20:33,480 Speaker 2: that when I was asking those questions, whatever year it was, 335 00:20:34,960 --> 00:20:37,760 Speaker 2: when I was asking those questions, I talked to a 336 00:20:37,760 --> 00:20:41,040 Speaker 2: friend who was a Medaichare member and said, Hey, we 337 00:20:41,160 --> 00:20:44,159 Speaker 2: need to do something because all the insurance companies have 338 00:20:44,240 --> 00:20:48,440 Speaker 2: pulled out, and you know, what is metashare like and 339 00:20:48,600 --> 00:20:51,159 Speaker 2: how does it work? And she said, it is going 340 00:20:51,240 --> 00:20:53,080 Speaker 2: to take you a little bit of getting used to 341 00:20:54,240 --> 00:20:59,000 Speaker 2: because the model is somewhat different from the way the 342 00:20:59,040 --> 00:21:02,159 Speaker 2: business model is different from the way traditional insurance works, 343 00:21:03,000 --> 00:21:06,879 Speaker 2: where the concept is not so much Hey, you know 344 00:21:06,920 --> 00:21:09,320 Speaker 2: you're going to have a copey of this and you 345 00:21:09,359 --> 00:21:12,199 Speaker 2: know a certain amount of that. She said, think of 346 00:21:12,240 --> 00:21:15,720 Speaker 2: it like that meta share is sort of like a family, 347 00:21:15,840 --> 00:21:18,080 Speaker 2: and like, imagine that you've got a family of ten 348 00:21:18,160 --> 00:21:23,800 Speaker 2: people and you're kind of considered responsible for your own costs. 349 00:21:24,160 --> 00:21:26,320 Speaker 2: You know, you go to work every day, you have 350 00:21:26,359 --> 00:21:29,840 Speaker 2: an income, and you pay the expenses. But then something 351 00:21:29,960 --> 00:21:33,720 Speaker 2: happens and the whole family goes, Okay, this is beyond 352 00:21:34,320 --> 00:21:37,040 Speaker 2: what this one family member can do. So we're all 353 00:21:37,040 --> 00:21:41,040 Speaker 2: going to chip in after a certain point in order 354 00:21:41,160 --> 00:21:44,840 Speaker 2: to cover the costs. And so that's kind of this, 355 00:21:44,960 --> 00:21:47,600 Speaker 2: my friend said, that's kind of the meta share model, 356 00:21:47,680 --> 00:21:50,760 Speaker 2: like every family is kind of responsible. It's sort of 357 00:21:50,800 --> 00:21:54,320 Speaker 2: like a deductible kind of but you're responsible for like 358 00:21:54,520 --> 00:21:57,600 Speaker 2: everything there's it's not like there's copays and this and 359 00:21:57,600 --> 00:22:00,560 Speaker 2: that and the other, even though technically there are, but 360 00:22:00,600 --> 00:22:03,879 Speaker 2: you're kind of responsible for everything up to your deductible 361 00:22:04,440 --> 00:22:07,679 Speaker 2: and then after that everybody, all the members of the 362 00:22:08,040 --> 00:22:11,880 Speaker 2: now we know, three hundred and fifty thousand strong family, 363 00:22:12,440 --> 00:22:18,679 Speaker 2: all chip in. But it is there are differences in 364 00:22:18,800 --> 00:22:25,360 Speaker 2: how it feels and how it works, and so I'm curious, 365 00:22:25,880 --> 00:22:31,040 Speaker 2: especially for our listeners, doctor Day, if you could sort 366 00:22:31,040 --> 00:22:34,960 Speaker 2: of speak into that and help them understand. How can 367 00:22:35,000 --> 00:22:38,760 Speaker 2: someone listening to this know if this kind of model, 368 00:22:40,000 --> 00:22:43,080 Speaker 2: if meta share, is really the right fit for them, Like, 369 00:22:43,160 --> 00:22:45,800 Speaker 2: are there people for whom this would not be the 370 00:22:45,880 --> 00:22:46,359 Speaker 2: right fit. 371 00:22:46,920 --> 00:22:48,040 Speaker 1: Yeah, that's a common question. 372 00:22:48,080 --> 00:22:50,439 Speaker 4: I might back up the bus a little bit to 373 00:22:50,880 --> 00:22:54,000 Speaker 4: talk about the model of insurance, where insurance you have 374 00:22:54,040 --> 00:22:57,760 Speaker 4: a great big corporation with a great big pool of 375 00:22:57,840 --> 00:23:00,960 Speaker 4: money that guarantees payment for all the bills that come in, 376 00:23:01,960 --> 00:23:06,000 Speaker 4: regardless of you know what caused the bill. They'll pay 377 00:23:06,000 --> 00:23:08,560 Speaker 4: that after you, of course, you pay your your deductible. 378 00:23:09,160 --> 00:23:13,320 Speaker 4: But with healthcare sharing and specifically with meta share. What 379 00:23:13,400 --> 00:23:17,639 Speaker 4: happens is that bills come in and then the staff 380 00:23:17,680 --> 00:23:22,440 Speaker 4: at Christian Care Ministry CCM they see whether that bill, 381 00:23:23,040 --> 00:23:27,160 Speaker 4: you know, how that reconciles with the member voted guidelines 382 00:23:27,720 --> 00:23:32,119 Speaker 4: and if the membership has stated in their guidelines that 383 00:23:32,119 --> 00:23:37,240 Speaker 4: that's a shareable bill, then payment is made to the provider, 384 00:23:37,320 --> 00:23:40,480 Speaker 4: being a hospital system or the doctor. 385 00:23:41,480 --> 00:23:43,080 Speaker 3: So the. 386 00:23:44,600 --> 00:23:49,040 Speaker 4: Members decide what will be shared in through the guidelines, 387 00:23:50,000 --> 00:23:54,760 Speaker 4: and that sharing occurs through the individual member accounts. So 388 00:23:55,040 --> 00:23:57,840 Speaker 4: I mentioned we have about three hundred and fifty thousand members, 389 00:23:57,880 --> 00:24:00,520 Speaker 4: Well that means there's three hundred and fifty one thousand 390 00:24:00,640 --> 00:24:04,359 Speaker 4: accounts sharing in each other, and that sharing process is 391 00:24:04,680 --> 00:24:09,520 Speaker 4: facilitated by CCM, the Christian Care Ministry who administers of 392 00:24:09,560 --> 00:24:14,880 Speaker 4: facilitates that's sharing between individual accounts. So when, for example, 393 00:24:14,920 --> 00:24:19,280 Speaker 4: if Missus Smith is seeing the doctor and a bill 394 00:24:19,320 --> 00:24:22,760 Speaker 4: comes in, maybe it's five hundred dollars or something like that, 395 00:24:23,480 --> 00:24:26,520 Speaker 4: and we determine that it is sharable according to the guidelines, 396 00:24:27,200 --> 00:24:33,159 Speaker 4: well then money is shifted between the member's accounts so 397 00:24:33,200 --> 00:24:36,959 Speaker 4: that a check will go from that member's individual account 398 00:24:37,359 --> 00:24:40,920 Speaker 4: Missus Smith to pay that provider. So the providers will 399 00:24:40,920 --> 00:24:43,920 Speaker 4: see a check from Missus Smith, not from Meta Share, 400 00:24:44,040 --> 00:24:47,199 Speaker 4: not from Christian Care Ministry. So it's quite a different 401 00:24:47,640 --> 00:24:51,040 Speaker 4: model in all that, and that's good. 402 00:24:51,160 --> 00:24:54,919 Speaker 2: Thank you for helping people understand that. I know that 403 00:24:54,960 --> 00:24:57,679 Speaker 2: there are people who are wondering who like the Missus 404 00:24:57,680 --> 00:25:00,959 Speaker 2: Smith's out there, but is this model right for me? Like, 405 00:25:01,640 --> 00:25:06,840 Speaker 2: are there people for whom this is not the right model? 406 00:25:08,240 --> 00:25:10,159 Speaker 2: And we have to talk about that because that's what 407 00:25:10,320 --> 00:25:13,040 Speaker 2: our listeners are asking themselves. 408 00:25:13,640 --> 00:25:16,720 Speaker 4: Yeah, that's a very important question because we want the 409 00:25:16,800 --> 00:25:21,479 Speaker 4: right fit, not just numbers of enrollees. We want our 410 00:25:21,520 --> 00:25:24,119 Speaker 4: members to be the right fit for their program. It 411 00:25:24,200 --> 00:25:29,200 Speaker 4: is their program. So pre existing conditions, for example, are 412 00:25:29,240 --> 00:25:33,719 Speaker 4: not shared in for three years into membership. So if 413 00:25:33,760 --> 00:25:39,959 Speaker 4: for example, you have maybe you have a cancer prior 414 00:25:40,000 --> 00:25:44,400 Speaker 4: to entering membership and for that cancer you're on very 415 00:25:44,440 --> 00:25:50,479 Speaker 4: expensive chemotherapy medication, Well Medicare would consider that a pre 416 00:25:50,520 --> 00:25:53,280 Speaker 4: existing condition, so perhaps that would not be a great 417 00:25:53,280 --> 00:25:57,760 Speaker 4: fit for you. Or perhaps you're on expensive medications for 418 00:25:57,840 --> 00:26:00,000 Speaker 4: weight loss. That's a common thing nowadays. Some of those 419 00:26:01,320 --> 00:26:05,480 Speaker 4: medications for weight loss are super expensive. Well, that would 420 00:26:05,480 --> 00:26:07,879 Speaker 4: be considered a pre existing condition and not shared in, 421 00:26:08,040 --> 00:26:10,520 Speaker 4: so that that would be an example of a not 422 00:26:10,600 --> 00:26:14,640 Speaker 4: a great fit. If you're looking for so called coverage 423 00:26:15,280 --> 00:26:18,800 Speaker 4: that is, we call it shareability, and something that is 424 00:26:18,840 --> 00:26:21,720 Speaker 4: a non biblical lifestyle, well, that wouldn't be a great 425 00:26:21,720 --> 00:26:25,120 Speaker 4: fit for you. If you're not a Christian, this would 426 00:26:25,160 --> 00:26:28,160 Speaker 4: not be the right program for you. And I say program, 427 00:26:28,240 --> 00:26:35,240 Speaker 4: but actually it's a family, it's a community of believers. 428 00:26:34,040 --> 00:26:34,440 Speaker 3: Right. 429 00:26:36,000 --> 00:26:38,359 Speaker 2: Well, And I would say if I could just add 430 00:26:38,400 --> 00:26:42,960 Speaker 2: in there for people who for whatever reason, it may 431 00:26:43,000 --> 00:26:45,119 Speaker 2: not be you know, it may be pre existing, it 432 00:26:45,119 --> 00:26:49,200 Speaker 2: may not be. Prescription coverage is not a big part 433 00:26:49,400 --> 00:26:52,240 Speaker 2: of medicine now. It is for something like my breast cancer, 434 00:26:52,640 --> 00:26:56,720 Speaker 2: where the medicines that came along with the treatment and 435 00:26:57,000 --> 00:27:02,320 Speaker 2: you know whatever, those were covered. But like my daily 436 00:27:02,400 --> 00:27:05,200 Speaker 2: cancer therapy drug that I take, I pay that out 437 00:27:05,240 --> 00:27:10,439 Speaker 2: of pocket, that's not part prescription drug coverage is not 438 00:27:10,760 --> 00:27:14,720 Speaker 2: as big of a part of the Meta share program 439 00:27:14,760 --> 00:27:17,600 Speaker 2: on a day to day basis, even though we're along 440 00:27:17,640 --> 00:27:20,400 Speaker 2: past the pre existing condition phase and all that kind 441 00:27:20,440 --> 00:27:25,200 Speaker 2: of stuff. That would be for me to say to somebody, look, 442 00:27:25,280 --> 00:27:28,399 Speaker 2: if that's a big part of your life for whatever reason, 443 00:27:29,600 --> 00:27:31,000 Speaker 2: maybe that's not the right fit. 444 00:27:31,960 --> 00:27:34,800 Speaker 4: That's correct, and we don't have a formulary or a 445 00:27:34,920 --> 00:27:38,520 Speaker 4: drug benefit so to speak, other than if there's an 446 00:27:38,960 --> 00:27:43,040 Speaker 4: for your example, a new in membership diagnosis of a 447 00:27:43,080 --> 00:27:47,960 Speaker 4: cancer that is sharable, so you experience that, but there 448 00:27:48,000 --> 00:27:51,639 Speaker 4: is no formulay in Meta Share. But the good news 449 00:27:51,720 --> 00:27:56,800 Speaker 4: is that we offer access through an organization called Navitus 450 00:27:57,680 --> 00:28:02,040 Speaker 4: that provides deep discounts on pharmaceuticals for membership. 451 00:28:02,560 --> 00:28:03,600 Speaker 1: Sometimes the. 452 00:28:05,119 --> 00:28:10,760 Speaker 4: Ensured expense of a medication can be sometimes even more 453 00:28:10,800 --> 00:28:18,040 Speaker 4: expensive than using discount services. Many of us have heard 454 00:28:18,080 --> 00:28:20,600 Speaker 4: of good Rx, so there are a lot of people 455 00:28:20,640 --> 00:28:23,920 Speaker 4: who use good RX for a discount service. Well, we 456 00:28:24,040 --> 00:28:29,680 Speaker 4: use Navitus, which provides members with at least as good 457 00:28:29,720 --> 00:28:34,080 Speaker 4: as discounts as good ours. So although there's not a formulary, 458 00:28:34,400 --> 00:28:40,800 Speaker 4: we do offer a program for our members for deep discounts, 459 00:28:40,800 --> 00:28:46,320 Speaker 4: so that matters, and it also reminds me of Well, 460 00:28:46,640 --> 00:28:49,840 Speaker 4: say you're you're under the care of a psychiatrist or 461 00:28:49,880 --> 00:28:57,640 Speaker 4: a psychologist. The membership doesn't share in mental health, so 462 00:28:57,800 --> 00:29:00,240 Speaker 4: one has to consider whether the in person visit it's 463 00:29:00,280 --> 00:29:03,840 Speaker 4: with your mental health specialist is a good fit or not, 464 00:29:03,960 --> 00:29:06,680 Speaker 4: or maybe you'd be able to afford those out of 465 00:29:06,720 --> 00:29:10,520 Speaker 4: pocket because the monthly share a mounth for metasture is 466 00:29:10,560 --> 00:29:15,840 Speaker 4: so much less than insurance, so one might say, oh, 467 00:29:17,040 --> 00:29:20,040 Speaker 4: well this might not be shared in, but you save 468 00:29:20,160 --> 00:29:25,280 Speaker 4: so much upfront by the cost per month for metasure 469 00:29:25,520 --> 00:29:30,000 Speaker 4: is very often a third or quarter that of what 470 00:29:30,040 --> 00:29:35,920 Speaker 4: an insurance premium monthly might be. For example, a screening mammogram, 471 00:29:36,280 --> 00:29:39,760 Speaker 4: Well that's generally recommended maybe every one or two years. 472 00:29:39,560 --> 00:29:40,360 Speaker 1: After age forty. 473 00:29:40,840 --> 00:29:43,440 Speaker 4: The average price of a screening mammogram is six hundred 474 00:29:43,440 --> 00:29:46,600 Speaker 4: and fifty dollars. Well, you can exceed that with one 475 00:29:47,320 --> 00:29:51,719 Speaker 4: monthly payment of insurance. Or think of maybe a screening 476 00:29:51,760 --> 00:29:55,880 Speaker 4: colonosco be a screening colonoskoy be generally recommended after age 477 00:29:55,920 --> 00:30:00,080 Speaker 4: fifty every ten years. Well, the average cost of that 478 00:30:00,680 --> 00:30:02,360 Speaker 4: is about twenty seven hundred dollars. 479 00:30:02,800 --> 00:30:03,560 Speaker 1: Well, that too. 480 00:30:03,440 --> 00:30:06,440 Speaker 4: Could be one or two months of insurance payment. So 481 00:30:06,600 --> 00:30:12,120 Speaker 4: the amount you save makes makes it very affordable to 482 00:30:12,200 --> 00:30:15,960 Speaker 4: do these out of pocket expenditures for screening. 483 00:30:16,520 --> 00:30:19,800 Speaker 2: Like I said, it's it is a it's just it 484 00:30:19,840 --> 00:30:22,880 Speaker 2: takes a minute getting used to because you're thinking about 485 00:30:22,920 --> 00:30:23,920 Speaker 2: things sort of. 486 00:30:24,000 --> 00:30:26,840 Speaker 3: Different way, in a different way. Can I chip in 487 00:30:26,920 --> 00:30:31,800 Speaker 3: on that one? So one of the challenges and not challenges. 488 00:30:32,120 --> 00:30:34,160 Speaker 3: One of the things to it that we had to 489 00:30:34,200 --> 00:30:38,320 Speaker 3: adjust to, or I had to adjust to, is healthcare 490 00:30:38,480 --> 00:30:42,800 Speaker 3: and insurance has always been just so opaque to me. 491 00:30:43,280 --> 00:30:45,760 Speaker 3: I don't even know where to go how to start 492 00:30:46,160 --> 00:30:49,560 Speaker 3: all of those things. And with Metashare, we had to 493 00:30:50,120 --> 00:30:54,400 Speaker 3: kind of do a few things ourselves, kind of in 494 00:30:54,520 --> 00:31:00,560 Speaker 3: advance of you know, medical interventions on things. And you know, 495 00:31:00,680 --> 00:31:04,160 Speaker 3: I happened to be blessed to be married with an 496 00:31:04,360 --> 00:31:09,640 Speaker 3: organizational guru who handles so much of that, but on 497 00:31:09,760 --> 00:31:14,000 Speaker 3: occasion I had to weighed in and do it. And 498 00:31:14,280 --> 00:31:17,440 Speaker 3: at one point, you know, it felt a little daunting 499 00:31:17,560 --> 00:31:20,360 Speaker 3: because that hasn't been I haven't put the time and 500 00:31:20,400 --> 00:31:23,680 Speaker 3: effort into learning how to do this stuff. And so 501 00:31:24,320 --> 00:31:27,880 Speaker 3: about three years ago I had, you know, I even 502 00:31:28,240 --> 00:31:31,440 Speaker 3: hesitate to say this because it's old guy surgery. I 503 00:31:32,080 --> 00:31:36,280 Speaker 3: had chronic hip pain for a decade and did nothing 504 00:31:36,280 --> 00:31:38,520 Speaker 3: about it, just thought that it was something to live with. 505 00:31:38,760 --> 00:31:43,320 Speaker 3: And yeah, so finally got an X ray and apparently 506 00:31:43,440 --> 00:31:46,880 Speaker 3: cartilage is a good thing, but I had none of 507 00:31:46,920 --> 00:31:51,120 Speaker 3: it in either hip, so I needed hip surgery. So 508 00:31:51,200 --> 00:31:54,479 Speaker 3: how was I going to go about this? And the 509 00:31:54,480 --> 00:31:57,560 Speaker 3: surgical center that I was going to be working with 510 00:31:57,680 --> 00:32:03,680 Speaker 3: or having the surgery at weren't particularly familiar with metashare, 511 00:32:04,080 --> 00:32:10,320 Speaker 3: but with a few other sharing organizations medical sharing, and 512 00:32:10,440 --> 00:32:13,760 Speaker 3: didn't have a high regard and so and they were 513 00:32:13,880 --> 00:32:18,040 Speaker 3: they were very very hostile wasn't the right word, but 514 00:32:18,760 --> 00:32:23,320 Speaker 3: not much not much lower than that toward this. And 515 00:32:23,400 --> 00:32:28,880 Speaker 3: so I contacted Medashare. Well, Shaunty contacted Metashare, and we 516 00:32:29,080 --> 00:32:32,960 Speaker 3: understood that their Medashare would have a third party that 517 00:32:33,000 --> 00:32:37,360 Speaker 3: would deal with or talk with well, the surgical center 518 00:32:37,560 --> 00:32:38,240 Speaker 3: and a. 519 00:32:38,280 --> 00:32:41,600 Speaker 2: Third party that would basically negotiate a rate and hey, 520 00:32:41,640 --> 00:32:43,040 Speaker 2: we're going to write you one check. 521 00:32:42,880 --> 00:32:47,400 Speaker 3: Up front exactly. And the surgical center loved it, but 522 00:32:47,440 --> 00:32:49,479 Speaker 3: it was just it was an extra step, something that 523 00:32:49,520 --> 00:32:52,880 Speaker 3: most people don't have to go through. And I will 524 00:32:52,960 --> 00:32:56,680 Speaker 3: say that the third party that was engaged, they had 525 00:32:56,720 --> 00:32:59,960 Speaker 3: to talk to me a couple of times. And this guy, 526 00:33:00,040 --> 00:33:04,760 Speaker 3: I'm overstepping it by saying he became a friend. But 527 00:33:05,480 --> 00:33:10,680 Speaker 3: many many months after the engagement my hip surgery, we 528 00:33:10,680 --> 00:33:15,600 Speaker 3: were still communicating about shared hobbies, things that we love 529 00:33:15,720 --> 00:33:19,960 Speaker 3: to do, hiking, and I had a friend because of 530 00:33:20,080 --> 00:33:24,680 Speaker 3: Meta share and I got two new hips. So they 531 00:33:24,760 --> 00:33:28,120 Speaker 3: were completely and it was fantastic, but I had to 532 00:33:28,160 --> 00:33:31,040 Speaker 3: do a little little bit of leg work on the 533 00:33:31,040 --> 00:33:32,360 Speaker 3: front end to educate. 534 00:33:33,080 --> 00:33:37,120 Speaker 4: I appreciate you sharing that story because it also emphasizes 535 00:33:37,200 --> 00:33:40,440 Speaker 4: that we care for you job and we want to 536 00:33:41,240 --> 00:33:44,520 Speaker 4: as brothers and sisters in Christ to have that trusted 537 00:33:44,560 --> 00:33:46,600 Speaker 4: relationship and not just as a one and done type 538 00:33:46,640 --> 00:33:50,320 Speaker 4: of thing, but longitudinally, as we know, care for you 539 00:33:50,400 --> 00:33:56,880 Speaker 4: and come alongside you in the healthcare journey. And you 540 00:33:56,920 --> 00:33:58,560 Speaker 4: mentioned that sometimes. 541 00:34:00,120 --> 00:34:01,000 Speaker 1: Perhaps it was a. 542 00:34:02,560 --> 00:34:06,600 Speaker 4: Well, not all healthcare share ministry. Not all healthcare sharing 543 00:34:06,640 --> 00:34:10,799 Speaker 4: ministries are the same. And so that's why I like 544 00:34:10,840 --> 00:34:13,919 Speaker 4: to point out that meda Share works and that we've 545 00:34:13,920 --> 00:34:18,400 Speaker 4: been around for over thirty years with that proven track record. 546 00:34:19,640 --> 00:34:25,640 Speaker 4: And you know, as you as one searches the field 547 00:34:25,680 --> 00:34:30,359 Speaker 4: of healthcare sharing ministries, well, how might one decide which 548 00:34:30,400 --> 00:34:32,880 Speaker 4: is the right fit for you? Well, check out that 549 00:34:32,920 --> 00:34:37,759 Speaker 4: they have accreditation, So meta Share is accredited. There's a 550 00:34:37,760 --> 00:34:41,960 Speaker 4: website for healthcare sharing ministry accreditation that's publicly available. If 551 00:34:41,960 --> 00:34:44,839 Speaker 4: you just put that into a Google search, you'll see that. 552 00:34:46,280 --> 00:34:49,399 Speaker 4: Do they operate on a self pay model or do 553 00:34:49,440 --> 00:34:53,200 Speaker 4: they negotiate discounts on behalf of members? So you've mentioned 554 00:34:53,239 --> 00:34:56,400 Speaker 4: to that that we have a team that on behalf 555 00:34:56,400 --> 00:34:59,520 Speaker 4: of the members will go in there with the providers 556 00:34:59,600 --> 00:35:04,839 Speaker 4: to negotiate better rates on behalf of members. So that's 557 00:35:04,840 --> 00:35:07,880 Speaker 4: good for the individual member. What that does is it 558 00:35:07,960 --> 00:35:13,600 Speaker 4: leaves more funds available for the membership at large to 559 00:35:13,600 --> 00:35:17,839 Speaker 4: help each other in sharing. So it preserves the organization's 560 00:35:17,840 --> 00:35:22,040 Speaker 4: ability to do their very mission in sharing for each other. 561 00:35:23,000 --> 00:35:26,719 Speaker 4: And then check out are the guidelines publicly available? If 562 00:35:26,719 --> 00:35:29,040 Speaker 4: you again, just go to like a Google search and 563 00:35:29,440 --> 00:35:32,160 Speaker 4: type in meta share guidelines, you'll see it right there. 564 00:35:32,560 --> 00:35:36,919 Speaker 4: It's publicly available, full transparency on how decisions are made 565 00:35:36,920 --> 00:35:40,439 Speaker 4: as to what's sharable and actually, shaunte to your earlier question, 566 00:35:40,480 --> 00:35:43,000 Speaker 4: that's a good idea for someone who wants to see 567 00:35:43,000 --> 00:35:44,680 Speaker 4: if it's a good fit for them. We'll just go 568 00:35:44,719 --> 00:35:48,439 Speaker 4: on to check out our guidelines and there you will 569 00:35:48,440 --> 00:35:52,240 Speaker 4: see whether you can see what's sharable, what's not sharable. 570 00:35:53,680 --> 00:35:57,560 Speaker 4: There is a mystery as to how insurance makes their 571 00:35:57,600 --> 00:36:03,560 Speaker 4: decisions or or denies something, but we aim to share 572 00:36:04,200 --> 00:36:07,160 Speaker 4: based on what the guidelines say, so just check them 573 00:36:07,200 --> 00:36:10,200 Speaker 4: out online. That's really quite quite easy, and we're credited 574 00:36:10,239 --> 00:36:13,200 Speaker 4: and we'll negotiate on your behalf to get those discounts 575 00:36:13,600 --> 00:36:16,120 Speaker 4: so that more sharing can occur. And as I mentioned, 576 00:36:16,160 --> 00:36:19,160 Speaker 4: that's over fifty million dollars a month is shared it now, 577 00:36:19,160 --> 00:36:23,759 Speaker 4: so that's half a billion with a bee shared in annually. 578 00:36:24,560 --> 00:36:28,200 Speaker 4: So it works, and it's price centered, and you know, 579 00:36:28,239 --> 00:36:32,280 Speaker 4: it's so much more affordable per month than standard insurance. 580 00:36:33,080 --> 00:36:36,839 Speaker 4: And you can have that peace of mind knowing that 581 00:36:36,880 --> 00:36:39,040 Speaker 4: you're sharing in God honoring healthcare. 582 00:36:40,160 --> 00:36:45,480 Speaker 3: Amen. So we've covered a lot of ground here. I 583 00:36:46,120 --> 00:36:48,680 Speaker 3: know that people, you know, when they listen to these things, 584 00:36:48,680 --> 00:36:51,399 Speaker 3: they're go, oh, my goodness. I got to remember that 585 00:36:53,160 --> 00:36:57,400 Speaker 3: nobody can remember everything that we've shared, that you've shared. 586 00:36:58,800 --> 00:37:01,600 Speaker 3: If there was one big, you know, kind of thing 587 00:37:01,880 --> 00:37:04,560 Speaker 3: that we've covered or that you would maybe as yet 588 00:37:04,640 --> 00:37:09,280 Speaker 3: to be sent, that you'd want our listeners to take away, 589 00:37:10,520 --> 00:37:11,759 Speaker 3: what would it be doctor day? 590 00:37:12,560 --> 00:37:16,080 Speaker 4: Well, I think healthcare is getting more expensive, right, and 591 00:37:16,160 --> 00:37:20,320 Speaker 4: so for Christians know that there is an affordable option 592 00:37:20,480 --> 00:37:20,759 Speaker 4: for you. 593 00:37:21,320 --> 00:37:21,799 Speaker 1: Meta Share. 594 00:37:22,600 --> 00:37:26,440 Speaker 4: It's a leading community that supports Christians and Christians have 595 00:37:26,480 --> 00:37:29,360 Speaker 4: an option that aligns with their faith and values. You know, 596 00:37:29,400 --> 00:37:34,080 Speaker 4: in a time when healthcare feels increasingly impersonal and expensive, 597 00:37:34,920 --> 00:37:39,040 Speaker 4: the meta Share community, this family stands out as a 598 00:37:39,120 --> 00:37:42,759 Speaker 4: christ centered solution that brings people together not just to 599 00:37:42,800 --> 00:37:45,400 Speaker 4: share medical costs, but to share in life's burdens and 600 00:37:45,480 --> 00:37:49,279 Speaker 4: to engage in prayer. So every story within the Meta 601 00:37:49,320 --> 00:37:53,239 Speaker 4: Share community is a reminder that faith and stewardship can 602 00:37:53,320 --> 00:37:58,239 Speaker 4: go hand in hand. Members save significantly compared to traditional 603 00:37:58,239 --> 00:38:01,400 Speaker 4: insurance while experience seeing a level of care and connection 604 00:38:02,280 --> 00:38:05,560 Speaker 4: that can't be measured in dollars alone. It's measured in 605 00:38:05,640 --> 00:38:10,000 Speaker 4: the stories of hope and healing. Like Chantya mentioned, this 606 00:38:10,040 --> 00:38:13,600 Speaker 4: isn't just a healthcare choice, it's a lifestyle of generosity, 607 00:38:14,120 --> 00:38:16,840 Speaker 4: shared values, and a tangible impact. 608 00:38:17,360 --> 00:38:22,319 Speaker 2: Thanks for sharing that doctor day. It is such a 609 00:38:22,440 --> 00:38:28,520 Speaker 2: helpful alternative right now for people, And if you're we 610 00:38:28,680 --> 00:38:31,799 Speaker 2: just wanted for those who are looking for a potential alternative, 611 00:38:31,840 --> 00:38:34,880 Speaker 2: who are wondering, is there a way to bring some 612 00:38:34,920 --> 00:38:38,240 Speaker 2: of these costs down, because I know it's incredibly hard 613 00:38:38,280 --> 00:38:41,399 Speaker 2: for us to afford you know, these kind of high 614 00:38:41,480 --> 00:38:45,400 Speaker 2: monthly costs, and it's a blessing to have this lower 615 00:38:45,760 --> 00:38:48,640 Speaker 2: cost option and work with all these other believers, and 616 00:38:48,680 --> 00:38:51,800 Speaker 2: we just wanted to share it with everybody with our listeners. 617 00:38:51,840 --> 00:38:55,920 Speaker 3: Well, I mean, we've researched and worked on how to 618 00:38:56,000 --> 00:38:59,080 Speaker 3: help people thrive in their relationships. And one of the 619 00:38:59,200 --> 00:39:05,200 Speaker 3: challenges that everyone knows is finances. And you know, if 620 00:39:05,239 --> 00:39:08,560 Speaker 3: there is a way that we can lower the temperature 621 00:39:08,920 --> 00:39:13,399 Speaker 3: on the difficulty for people in their financial you know, 622 00:39:13,840 --> 00:39:19,520 Speaker 3: obligations and meta share has been that for us. Yeah, 623 00:39:20,320 --> 00:39:22,640 Speaker 3: that's a game for the relationship. 624 00:39:23,320 --> 00:39:26,640 Speaker 2: So I just want to encourage. Yeah, I just want 625 00:39:26,640 --> 00:39:30,440 Speaker 2: to encourage you. If you're listening to this and you 626 00:39:31,040 --> 00:39:36,360 Speaker 2: are currently looking for something for your families, your insurance, 627 00:39:36,600 --> 00:39:40,759 Speaker 2: a sharing ministry, whatever, but you need something different and 628 00:39:40,800 --> 00:39:44,800 Speaker 2: you want to consider if meda share is right for you, 629 00:39:44,840 --> 00:39:47,800 Speaker 2: go to metashare dot com slash serve and that will 630 00:39:47,880 --> 00:39:50,520 Speaker 2: link to our podcast. They will know that you came 631 00:39:50,560 --> 00:39:53,239 Speaker 2: because you listen to this and you were interested. Or 632 00:39:53,360 --> 00:39:56,400 Speaker 2: text the word serve to seven zero two four six. 633 00:39:56,560 --> 00:39:58,920 Speaker 2: So just go to seven zero two four six and 634 00:39:59,000 --> 00:40:04,160 Speaker 2: text the word serve. So I would just encourage everybody. Also, 635 00:40:04,960 --> 00:40:08,720 Speaker 2: if you have friends who you know would be interested 636 00:40:08,760 --> 00:40:12,080 Speaker 2: in this, because we're all talking about this today, send 637 00:40:12,080 --> 00:40:15,200 Speaker 2: this podcast along to them and see if this is 638 00:40:15,200 --> 00:40:18,160 Speaker 2: something that would help them as well. And also tag 639 00:40:18,280 --> 00:40:21,839 Speaker 2: us on all your social media channels and get this 640 00:40:21,920 --> 00:40:26,920 Speaker 2: sent around. So thank you Doctor Day for coming on 641 00:40:26,960 --> 00:40:28,040 Speaker 2: the podcast. 642 00:40:28,800 --> 00:40:33,520 Speaker 3: And thank you for responding to that nudge as you 643 00:40:33,560 --> 00:40:37,000 Speaker 3: are sitting on the couch with the wife talking about 644 00:40:37,080 --> 00:40:39,239 Speaker 3: what the future might look like for you. 645 00:40:39,480 --> 00:40:42,799 Speaker 4: So thank you, thank you, Thanks Peter gud and God 646 00:40:42,840 --> 00:40:43,359 Speaker 4: bless you. 647 00:40:43,360 --> 00:40:44,200 Speaker 1: And your listeners. 648 00:40:44,600 --> 00:40:47,040 Speaker 2: Thanks for listening to I wish you could hear this. 649 00:40:47,440 --> 00:40:51,160 Speaker 2: Remember to subscribe to our podcast and as always, forward 650 00:40:51,200 --> 00:40:54,440 Speaker 2: today's audio or video link to a friend, counselor, or 651 00:40:54,520 --> 00:41:00,680 Speaker 2: pastor who would be encouraged. I just want to take 652 00:41:00,719 --> 00:41:03,480 Speaker 2: a second to thank the team at Life Audio for 653 00:41:03,520 --> 00:41:06,560 Speaker 2: their partnership with us on the podcast. If you go 654 00:41:06,680 --> 00:41:09,879 Speaker 2: to lifeaudio dot com, you will find dozens of other 655 00:41:10,000 --> 00:41:13,920 Speaker 2: faith centered podcasts in their network. They've got shows about prayer, 656 00:41:14,200 --> 00:41:16,560 Speaker 2: Bible study, parenting, and more.