1 00:00:00,080 --> 00:00:02,400 Speaker 1: Welcome to How the Money. I'm Joel and I and 2 00:00:02,520 --> 00:00:05,640 Speaker 1: Matt and today we're discussing cutting healthcare costs with crucial 3 00:00:05,680 --> 00:00:28,000 Speaker 1: knowledge with Scott Heiser. Our guest today is Scott Heiser. 4 00:00:28,200 --> 00:00:31,120 Speaker 1: Scott has more than twenty years of experience as a 5 00:00:31,120 --> 00:00:35,000 Speaker 1: consultant for clients the insurance and healthcare system. He was 6 00:00:35,040 --> 00:00:37,840 Speaker 1: a partner and owner of a commercial insurance brokerage where 7 00:00:37,880 --> 00:00:41,600 Speaker 1: he led and developed an employee benefit practice that managed 8 00:00:41,640 --> 00:00:44,559 Speaker 1: more than half a billion dollars in health benefits. So 9 00:00:44,760 --> 00:00:47,720 Speaker 1: he really knows his stuff. Scott knows the ends and 10 00:00:47,960 --> 00:00:51,120 Speaker 1: outs of what can feel like an overwhelming world of 11 00:00:51,280 --> 00:00:54,200 Speaker 1: health care and insurance. In fact, in his book Healthcare 12 00:00:54,240 --> 00:00:57,240 Speaker 1: Is Making Me Sick, he dives into this very topic. 13 00:00:57,680 --> 00:01:00,280 Speaker 1: So today he is dedicated to sharing his knowledge to 14 00:01:00,320 --> 00:01:03,520 Speaker 1: help educate and empower all of us who go to 15 00:01:03,560 --> 00:01:06,039 Speaker 1: the doctor from time to time. His goal is to 16 00:01:06,200 --> 00:01:10,120 Speaker 1: improve health outcomes while lowering costs. So Scott, thanks so 17 00:01:10,240 --> 00:01:13,080 Speaker 1: much for joining us today on the podcast. Well, Joel 18 00:01:13,120 --> 00:01:16,119 Speaker 1: and Matt pleased to be here and thanks for having me. Hey, Scott, 19 00:01:16,160 --> 00:01:18,520 Speaker 1: we're super glad to have you. Uh. The first question 20 00:01:18,520 --> 00:01:21,720 Speaker 1: we ask everybody that comes on our show is what 21 00:01:21,959 --> 00:01:24,280 Speaker 1: is there splurge? Because Matt and I we like to 22 00:01:24,319 --> 00:01:26,680 Speaker 1: drink a craft beer on every episode. Today on the show, 23 00:01:26,680 --> 00:01:29,280 Speaker 1: we're drinking an I p A by a local brewpub 24 00:01:29,319 --> 00:01:32,119 Speaker 1: called Wrecking Bar brew Pub. And at the same time, though, 25 00:01:32,160 --> 00:01:34,440 Speaker 1: we we like to save well and invest well for 26 00:01:34,480 --> 00:01:37,280 Speaker 1: the future. So what's your splurge? What's your craft beer equivalent? 27 00:01:37,880 --> 00:01:40,680 Speaker 1: Craft beer equivalent? I will stay in the same general 28 00:01:40,840 --> 00:01:43,640 Speaker 1: genre that you guys are in. It's it's wine. I 29 00:01:43,680 --> 00:01:48,080 Speaker 1: live up in northwest Michigan and they're fifty wineries by me, 30 00:01:48,280 --> 00:01:51,720 Speaker 1: and uh makes it just a little accessible, maybe too accessible. 31 00:01:52,920 --> 00:01:55,760 Speaker 1: Are taking a little Mabbi champagne. They do a pretty 32 00:01:55,760 --> 00:01:58,920 Speaker 1: good champagne up here. Enjoying that, And you, of course 33 00:01:59,000 --> 00:02:01,960 Speaker 1: know and and all of the scientific and medical journals 34 00:02:02,280 --> 00:02:06,240 Speaker 1: say wine and moderation is very medicinal. So I'm I'm 35 00:02:06,240 --> 00:02:10,440 Speaker 1: being medicinal today with you that that is quite on topic, 36 00:02:10,480 --> 00:02:15,360 Speaker 1: considering we're talking about healthcare costs following doctor's orders. Maybe 37 00:02:15,360 --> 00:02:17,160 Speaker 1: that's the way you saw all about the care issues. 38 00:02:17,200 --> 00:02:18,960 Speaker 1: Just to have a bottle of wine or beer and 39 00:02:19,000 --> 00:02:21,440 Speaker 1: you're all done, I'm gonna go ahead and say you're right, 40 00:02:21,480 --> 00:02:24,000 Speaker 1: and we can name the podcast here, because as long 41 00:02:24,040 --> 00:02:25,720 Speaker 1: as people just drink a glass of wine today keeps 42 00:02:25,720 --> 00:02:29,040 Speaker 1: the doctor lay a very short episode today, Scott. Let's 43 00:02:29,040 --> 00:02:31,480 Speaker 1: get onto a couple of questions. You you talk about 44 00:02:32,200 --> 00:02:33,919 Speaker 1: if we can, right, it's really good to be able 45 00:02:33,919 --> 00:02:37,960 Speaker 1: to avoid the health care complex altogether. And what do 46 00:02:37,960 --> 00:02:40,080 Speaker 1: you mean by that? How do we go about just 47 00:02:40,280 --> 00:02:44,040 Speaker 1: avoiding some of the healthcare necessities that we think we need. 48 00:02:44,440 --> 00:02:49,120 Speaker 1: You've already mentioned wine, So what beyond that? Well, I'm stuck. 49 00:02:49,160 --> 00:02:50,799 Speaker 1: That was it. If anybody's read the book, that was 50 00:02:50,840 --> 00:02:56,080 Speaker 1: where it went. Um really, so, fifty of all the 51 00:02:56,080 --> 00:02:59,800 Speaker 1: claims in the United States are lifestyle based. And if 52 00:02:59,800 --> 00:03:04,160 Speaker 1: it's lifestyle based, that means you should have some control 53 00:03:04,200 --> 00:03:06,960 Speaker 1: over how you live your life. You really need to 54 00:03:07,040 --> 00:03:09,920 Speaker 1: understand that. And so you need to understand who you are, 55 00:03:10,480 --> 00:03:13,320 Speaker 1: and in essence, you need to develop a health profile. 56 00:03:13,800 --> 00:03:15,400 Speaker 1: And there's a number of ways you can do that. 57 00:03:15,919 --> 00:03:18,400 Speaker 1: A lot of employers have programs out there, and you 58 00:03:18,520 --> 00:03:21,120 Speaker 1: can get some of these through hospital organizations and on 59 00:03:21,120 --> 00:03:24,560 Speaker 1: your own, called a health risk assessment. It'll ask you 60 00:03:24,639 --> 00:03:28,519 Speaker 1: a lot of behavioral questions and health questions, and they'll 61 00:03:28,560 --> 00:03:31,720 Speaker 1: do biometrics, so they will do blood work, blood pressure 62 00:03:31,720 --> 00:03:37,400 Speaker 1: of those type tracking uses, and you determine what you 63 00:03:37,480 --> 00:03:40,600 Speaker 1: look like with your health situation. You also look at 64 00:03:40,800 --> 00:03:43,440 Speaker 1: family history and bring that to bear. What is what 65 00:03:43,560 --> 00:03:46,400 Speaker 1: people in my family close knit family, nucular family, and 66 00:03:46,440 --> 00:03:49,480 Speaker 1: beyond what what kind of diseases have been prevalent and reoccurring? 67 00:03:49,960 --> 00:03:52,240 Speaker 1: What diseases, What issues have I had in the last 68 00:03:52,240 --> 00:03:54,920 Speaker 1: previous year, and your package that all together and you 69 00:03:55,080 --> 00:03:58,160 Speaker 1: understand who you are, and then you can start looking 70 00:03:58,200 --> 00:04:00,400 Speaker 1: at saying, well how much is that lifestyle faced and 71 00:04:00,440 --> 00:04:03,680 Speaker 1: can I make a difference for that and change my 72 00:04:03,960 --> 00:04:07,560 Speaker 1: health profile to the positive? Because everything what we talk 73 00:04:07,680 --> 00:04:09,880 Speaker 1: about and I talked in the book and our company 74 00:04:09,960 --> 00:04:13,920 Speaker 1: Uncovered talks about is empowering the individual to become a 75 00:04:13,920 --> 00:04:16,960 Speaker 1: consumer of healthcare. So as you guys stated for me, 76 00:04:17,279 --> 00:04:20,960 Speaker 1: that you get a better outcome at better costs, and 77 00:04:21,040 --> 00:04:24,320 Speaker 1: that all starts with you understanding who you are and 78 00:04:24,360 --> 00:04:26,560 Speaker 1: what you can do and taking control of it. So 79 00:04:26,720 --> 00:04:30,679 Speaker 1: that that's our emphasis is to get motivated and start 80 00:04:30,720 --> 00:04:35,200 Speaker 1: to become involved as a consumer. And we do extensive 81 00:04:35,600 --> 00:04:38,719 Speaker 1: research when we consume. I mean you can take people 82 00:04:38,760 --> 00:04:42,760 Speaker 1: buying a cell phone or gym, shoes, basketball, shoes, tennis shoes, 83 00:04:42,800 --> 00:04:45,640 Speaker 1: whatever it is, and people will search me all over 84 00:04:45,680 --> 00:04:50,320 Speaker 1: the internet. They will compare comparative shop and understand what 85 00:04:50,440 --> 00:04:52,960 Speaker 1: their options are and what fits them, what size shoe, 86 00:04:52,960 --> 00:04:54,440 Speaker 1: what's you are? What are they gonna be doing running? 87 00:04:54,440 --> 00:04:57,359 Speaker 1: Are they gonna be jumping? Are they good? Uh? Canoeing? What? 88 00:04:57,560 --> 00:05:00,719 Speaker 1: What shoe do they need? That doesn't happened for the 89 00:05:00,760 --> 00:05:05,520 Speaker 1: most part. In the health care system, why that would 90 00:05:05,520 --> 00:05:08,040 Speaker 1: be another show. We've kind of been bred into that 91 00:05:08,200 --> 00:05:11,360 Speaker 1: and lead into it um. And one of the reasons 92 00:05:11,480 --> 00:05:14,320 Speaker 1: is insurance. You have health insurance. I pay a lot 93 00:05:14,360 --> 00:05:18,479 Speaker 1: for health insurance. It should cover everything. Therefore, I don't 94 00:05:18,480 --> 00:05:20,680 Speaker 1: need to think not when you go into doctor's office, 95 00:05:20,680 --> 00:05:23,320 Speaker 1: will say, oh, insurance covers it. And so everybody just 96 00:05:23,400 --> 00:05:28,400 Speaker 1: stops and becomes passive. Well, being passive in anything is 97 00:05:28,400 --> 00:05:31,359 Speaker 1: not smart if you want to meet your objectives, because 98 00:05:31,360 --> 00:05:36,599 Speaker 1: when you're passive, the other person's objectives are going to 99 00:05:36,640 --> 00:05:41,159 Speaker 1: trump your objectives. And the idea is is to understand 100 00:05:41,200 --> 00:05:46,320 Speaker 1: your objectives, what your needs are. Now you're ready to 101 00:05:46,720 --> 00:05:51,360 Speaker 1: approach the health continuum. And I'll call it continue too. 102 00:05:51,440 --> 00:05:54,960 Speaker 1: There's one point I want to make. There's health insurance 103 00:05:55,720 --> 00:06:01,320 Speaker 1: and health care, and those are two different things, and 104 00:06:01,360 --> 00:06:04,719 Speaker 1: everybody puts them together and thinks there's health insurance, is it. 105 00:06:04,720 --> 00:06:09,240 Speaker 1: It's not. Health insurance is a vehicle to pay for 106 00:06:10,000 --> 00:06:13,440 Speaker 1: whatever health costs you incur. So it's incumbentent on you, 107 00:06:13,520 --> 00:06:17,120 Speaker 1: and it's prudent to do this to understand what your 108 00:06:17,240 --> 00:06:21,960 Speaker 1: needs are before you ever go about purchasing or determining 109 00:06:22,000 --> 00:06:26,000 Speaker 1: if you even need health insurance to pay for the 110 00:06:26,040 --> 00:06:29,720 Speaker 1: health care you're anticipating having or you might have as 111 00:06:29,720 --> 00:06:33,360 Speaker 1: a result of your health profile. Yeah, what's interesting there 112 00:06:33,400 --> 00:06:36,760 Speaker 1: is I mean, like you said, we we research consumer products. 113 00:06:36,839 --> 00:06:40,159 Speaker 1: I mean, I'm pretty sure I read more about this 114 00:06:40,240 --> 00:06:42,840 Speaker 1: printer that I when we purchased for our office here 115 00:06:43,240 --> 00:06:45,920 Speaker 1: that I did. Maybe you know, whether I should kind 116 00:06:45,920 --> 00:06:49,520 Speaker 1: of increase my deductible on our health plan recently. I 117 00:06:49,720 --> 00:06:52,240 Speaker 1: certainly fall into that trap. But I like how you 118 00:06:52,279 --> 00:06:55,160 Speaker 1: also said that it's a continuum because it's not a 119 00:06:55,200 --> 00:06:57,400 Speaker 1: matter of maybe figuring out what your needs are now, 120 00:06:57,440 --> 00:07:01,080 Speaker 1: but it's something that evolves and changes over time. Right. Obviously, 121 00:07:01,120 --> 00:07:04,520 Speaker 1: if you are twenty six years old and you know, 122 00:07:04,600 --> 00:07:07,360 Speaker 1: living by yourself, like your your health care expenses and 123 00:07:07,680 --> 00:07:09,880 Speaker 1: insurance needs are going to be a lot lower than 124 00:07:10,560 --> 00:07:12,600 Speaker 1: a young family. You know you have that third child. 125 00:07:12,880 --> 00:07:15,200 Speaker 1: Things look a lot different exact than to do when 126 00:07:15,200 --> 00:07:19,360 Speaker 1: you're single in twenties six, single twenty six, and especially mail. 127 00:07:19,880 --> 00:07:22,480 Speaker 1: You know your your uberman, you're never gonna get sick, 128 00:07:22,520 --> 00:07:24,280 Speaker 1: You're never gonna be anything. You don't even think about it, 129 00:07:24,640 --> 00:07:26,960 Speaker 1: and and you probably shouldn't spend a lot of time 130 00:07:27,000 --> 00:07:29,080 Speaker 1: thinking about it. But what you should do is you 131 00:07:29,160 --> 00:07:32,640 Speaker 1: just illustrated, is understand what your needs are. And then 132 00:07:32,880 --> 00:07:37,160 Speaker 1: if you're gonna go pick out insurance, why pay an 133 00:07:37,200 --> 00:07:40,680 Speaker 1: insurance company for something you know you're not gonna have. 134 00:07:41,440 --> 00:07:44,240 Speaker 1: It's the utility of your dollar. What you can know, 135 00:07:44,360 --> 00:07:47,680 Speaker 1: Like any other business, when you buy health insurance, the 136 00:07:47,720 --> 00:07:50,400 Speaker 1: insurance company is going to take whatever claim you have, 137 00:07:51,160 --> 00:07:54,640 Speaker 1: you use and you submit, they're gonna take that, They're 138 00:07:54,640 --> 00:07:58,440 Speaker 1: gonna add on their administrative cost to manage that, they're 139 00:07:58,440 --> 00:08:02,360 Speaker 1: gonna add on their origin is what is called because 140 00:08:02,400 --> 00:08:05,400 Speaker 1: they can't exactly predict how many claims you're gonna have, 141 00:08:05,480 --> 00:08:09,840 Speaker 1: so they have a margin for error, and then they're 142 00:08:09,840 --> 00:08:13,520 Speaker 1: going to throw their profit on top. So if you 143 00:08:13,880 --> 00:08:16,160 Speaker 1: take a lot of people will say I just want 144 00:08:16,360 --> 00:08:20,840 Speaker 1: the lowest deductibles the lowest out of pocket costs, so 145 00:08:20,880 --> 00:08:23,240 Speaker 1: I don't have to think when I go in, I 146 00:08:23,280 --> 00:08:26,400 Speaker 1: know it's all covered or as much. I get as 147 00:08:26,480 --> 00:08:29,600 Speaker 1: much covered as I can. If you're not going to 148 00:08:29,640 --> 00:08:34,560 Speaker 1: be incurring claims, premium that you pay per month two 149 00:08:35,440 --> 00:08:40,280 Speaker 1: have access to that. Health insurance is guaranteed spend you 150 00:08:40,360 --> 00:08:44,079 Speaker 1: spend it regardless you have a claim. Claims are only 151 00:08:44,360 --> 00:08:47,120 Speaker 1: spent when you have an occurrence. So if you don't 152 00:08:47,120 --> 00:08:49,560 Speaker 1: think you're gonna have any occurrences, you should not let 153 00:08:49,640 --> 00:08:52,800 Speaker 1: high deductibles and everything scare you. They're probably the best thing. 154 00:08:52,880 --> 00:08:55,600 Speaker 1: What you need is catastrophic insurance. Back to the twenty 155 00:08:55,880 --> 00:08:59,600 Speaker 1: year old male, what you're worried about is a motorcycle accident, 156 00:09:00,240 --> 00:09:02,600 Speaker 1: you're on vacation, you dive off a boat or something, 157 00:09:02,600 --> 00:09:06,559 Speaker 1: you have an accident. That's where you're more year old. 158 00:09:06,600 --> 00:09:09,040 Speaker 1: Things that you do right, and we all did them 159 00:09:09,080 --> 00:09:12,240 Speaker 1: and you know, and we've survived, thank god. But yeah, 160 00:09:12,280 --> 00:09:14,440 Speaker 1: that's when you're gonna have an issue, So don't over 161 00:09:14,520 --> 00:09:18,360 Speaker 1: pay for it for something. Conversely, if you know you're 162 00:09:18,400 --> 00:09:21,480 Speaker 1: going to have a lot of claims, you look at 163 00:09:21,520 --> 00:09:23,920 Speaker 1: your your health profile again, which you had last year. 164 00:09:23,920 --> 00:09:25,680 Speaker 1: Of the family and so on and so forth, and 165 00:09:25,760 --> 00:09:29,040 Speaker 1: you say I know I'm gonna have twenty claims, then 166 00:09:29,400 --> 00:09:33,439 Speaker 1: a high deductible plan may not be bad either, because 167 00:09:33,520 --> 00:09:37,960 Speaker 1: you may get so insurance. Health insurance plans will either 168 00:09:38,000 --> 00:09:40,120 Speaker 1: have deductibles, they have amounts of money you have to 169 00:09:40,160 --> 00:09:43,560 Speaker 1: pay before the plan pays, and then at some point, 170 00:09:44,040 --> 00:09:47,000 Speaker 1: after you've spent x amount of used x amount of 171 00:09:47,000 --> 00:09:50,240 Speaker 1: money the plant, the plan will go to a pay 172 00:09:50,800 --> 00:09:53,000 Speaker 1: so the plan will health insurance plan will begin to 173 00:09:53,040 --> 00:09:56,600 Speaker 1: pay all expenses. So you want to sit back and say, well, 174 00:09:56,640 --> 00:09:58,480 Speaker 1: if I've got a lot of claims I know I'm 175 00:09:58,480 --> 00:10:01,400 Speaker 1: gonna have, I'm going to go through quickly through all 176 00:10:01,440 --> 00:10:03,640 Speaker 1: the money I have to pay the insurance company, and 177 00:10:03,679 --> 00:10:06,800 Speaker 1: I'll be very quickly into the portion that they pay 178 00:10:06,880 --> 00:10:11,440 Speaker 1: a percent. So therefore, on the fixed part, the premium 179 00:10:11,440 --> 00:10:13,840 Speaker 1: that I have to pay on a monthly basis, I 180 00:10:13,840 --> 00:10:16,839 Speaker 1: want to get that as low as possible. So maybe 181 00:10:16,840 --> 00:10:19,079 Speaker 1: even with a lot of claims, I want to take 182 00:10:19,120 --> 00:10:22,320 Speaker 1: a high deductible plan. One caveat is you might have 183 00:10:22,400 --> 00:10:26,200 Speaker 1: cash flow issues meeting those deductibles and out of pockets, 184 00:10:26,679 --> 00:10:28,440 Speaker 1: so you have to factor that in. But you shouldn't 185 00:10:28,480 --> 00:10:31,319 Speaker 1: just automatically go. If you have a lot of claims 186 00:10:31,480 --> 00:10:34,079 Speaker 1: and say I want to have the lowest deductible, lowest 187 00:10:34,080 --> 00:10:37,800 Speaker 1: out of pocket, that's not necessarily the smartest thing financially 188 00:10:37,840 --> 00:10:41,000 Speaker 1: for you. Uh. And I always say this in my 189 00:10:41,000 --> 00:10:44,200 Speaker 1: My Better three quarters. Um always advises me not to 190 00:10:44,240 --> 00:10:46,120 Speaker 1: say this, and I break the rule all the time. 191 00:10:47,120 --> 00:10:50,520 Speaker 1: It's about the math. After you've determined who you are 192 00:10:50,600 --> 00:10:53,080 Speaker 1: and you sit down and you're picking a health insurance plan, 193 00:10:53,600 --> 00:10:57,480 Speaker 1: do the math, apply what you think you're going to 194 00:10:57,559 --> 00:11:01,080 Speaker 1: have to that program and get the whole picture. How 195 00:11:01,160 --> 00:11:03,199 Speaker 1: much of the deductibles out of pockets you let pay, 196 00:11:03,200 --> 00:11:05,400 Speaker 1: how much of the monthly premium net it all out, 197 00:11:06,240 --> 00:11:10,120 Speaker 1: and what's the best program for you. Don't just pick 198 00:11:10,160 --> 00:11:13,040 Speaker 1: it on emotion, and most people do because most people 199 00:11:13,400 --> 00:11:16,360 Speaker 1: it is painful. It's it's let me go in order. 200 00:11:16,600 --> 00:11:20,080 Speaker 1: It's boring, and most therefore you don't want to do it, 201 00:11:20,280 --> 00:11:22,160 Speaker 1: and it's painful when you look at the prices, so 202 00:11:22,200 --> 00:11:24,480 Speaker 1: you want to get out of it as quickly as possible. 203 00:11:24,679 --> 00:11:29,520 Speaker 1: It happens once a year. People will spend days at 204 00:11:29,600 --> 00:11:31,920 Speaker 1: most making this decision. It could be one of the 205 00:11:31,920 --> 00:11:35,760 Speaker 1: more impactful things in their lives, Spend the time, set 206 00:11:35,800 --> 00:11:38,640 Speaker 1: your objectives, know what your issues are, do the math, 207 00:11:39,000 --> 00:11:41,839 Speaker 1: and you'll pick a plan it's appropriate and it's got 208 00:11:41,840 --> 00:11:44,000 Speaker 1: a lot of people pick a plan based on feeling 209 00:11:44,080 --> 00:11:47,760 Speaker 1: like they need the top tier coverage even though they 210 00:11:47,920 --> 00:11:50,200 Speaker 1: in all likelihood don't need it. Some people do, right, 211 00:11:50,280 --> 00:11:52,880 Speaker 1: they but sometimes it's an emotional decision. I think you're right. 212 00:11:53,440 --> 00:11:56,880 Speaker 1: Another thing that they can feel emotional or or awkward 213 00:11:56,960 --> 00:11:59,640 Speaker 1: sometimes is a discussion with your doctor. So I want 214 00:11:59,679 --> 00:12:01,480 Speaker 1: to ask you quickly. I want to talk more about 215 00:12:01,480 --> 00:12:02,800 Speaker 1: insurance in a second, but I want to ask you 216 00:12:02,840 --> 00:12:06,000 Speaker 1: also about what the conversation with a physician looks like, 217 00:12:06,080 --> 00:12:08,600 Speaker 1: because isn't that a huge part of helping lower our 218 00:12:08,679 --> 00:12:11,880 Speaker 1: overall health care costs? Having good conversations with our doctors 219 00:12:11,880 --> 00:12:16,920 Speaker 1: when we're having an issue. It's essential not about only 220 00:12:17,000 --> 00:12:19,400 Speaker 1: lowering the costs, because when I look at the components, 221 00:12:20,120 --> 00:12:25,240 Speaker 1: there's two components. There's outcomes and there's costs. Okay, so 222 00:12:25,320 --> 00:12:27,960 Speaker 1: you can go and get low cost, and if you 223 00:12:28,000 --> 00:12:30,920 Speaker 1: have bad outcomes, your your cost in the long run 224 00:12:30,960 --> 00:12:32,920 Speaker 1: will be more because you'll go back and back and 225 00:12:32,960 --> 00:12:36,200 Speaker 1: back to get things fixed. So it's imperative to look 226 00:12:36,200 --> 00:12:39,720 Speaker 1: at the two components simultaneously and use that as factors. 227 00:12:39,800 --> 00:12:43,080 Speaker 1: So in talking to your doctor, it's critical to talk 228 00:12:43,120 --> 00:12:45,959 Speaker 1: to your doctor. Most people just go into the doctor 229 00:12:46,000 --> 00:12:49,640 Speaker 1: and say, imagine this. You take your car in to 230 00:12:49,720 --> 00:12:52,560 Speaker 1: a mechanic. You take it in and say, you know, 231 00:12:52,840 --> 00:12:55,840 Speaker 1: the engine just doesn't sound good. I'm gonna drop it off. 232 00:12:55,880 --> 00:12:58,240 Speaker 1: I'll be back tomorrow. And that's all you tell them. 233 00:12:58,679 --> 00:13:01,439 Speaker 1: They're gonna run every diagnos to test. They're gonna they'll 234 00:13:01,480 --> 00:13:05,080 Speaker 1: have nowhere to start, probably won't find anything because you 235 00:13:05,080 --> 00:13:08,520 Speaker 1: didn't help them at all, and you'll encourage costs skyrocket 236 00:13:08,559 --> 00:13:10,800 Speaker 1: because of that too, right, And so you're gonna waste 237 00:13:10,840 --> 00:13:12,800 Speaker 1: money and waste time. And when you drive here's the 238 00:13:13,000 --> 00:13:14,839 Speaker 1: best part of it. And when you drive the car away, 239 00:13:15,080 --> 00:13:18,240 Speaker 1: that engine knocking or whatever you heard is gonna be there. 240 00:13:18,679 --> 00:13:21,000 Speaker 1: It will will not have gone away, and you'll be frustrated. 241 00:13:21,640 --> 00:13:27,280 Speaker 1: A physician is no different. They can't diagnose you without 242 00:13:27,360 --> 00:13:31,199 Speaker 1: him good information from you. And if you give them 243 00:13:31,200 --> 00:13:36,080 Speaker 1: good information, their use of diagnostic testing will be more 244 00:13:36,120 --> 00:13:39,720 Speaker 1: accurate and you'll end up saving time, get a better 245 00:13:40,040 --> 00:13:45,120 Speaker 1: diagnosis and course of action, and as a result, you 246 00:13:45,160 --> 00:13:48,440 Speaker 1: could you'll save money. Now that's that's the one side 247 00:13:48,480 --> 00:13:51,080 Speaker 1: of the of the quality side, the outcomes side. The 248 00:13:51,120 --> 00:13:55,200 Speaker 1: other side is once you to get this diagnosis and 249 00:13:55,320 --> 00:13:58,680 Speaker 1: course of action, it's also incumbent upon you to sit 250 00:13:58,760 --> 00:14:01,400 Speaker 1: with your physician. And what I recommend these days is 251 00:14:01,440 --> 00:14:04,280 Speaker 1: because I'm a sidebar for a second, a lot of 252 00:14:04,280 --> 00:14:07,800 Speaker 1: the health plans now have large deductibles, large out of pockets. 253 00:14:07,880 --> 00:14:11,480 Speaker 1: We as consumers are paying more and more of our 254 00:14:11,520 --> 00:14:15,120 Speaker 1: health care out of our pocket. So if you're back 255 00:14:15,240 --> 00:14:18,040 Speaker 1: buying items we were talking about on your own you 256 00:14:18,240 --> 00:14:20,560 Speaker 1: if it's your money, you're you're pretty careful with that. 257 00:14:21,320 --> 00:14:23,920 Speaker 1: We've gotten into this culture with medicine that we just 258 00:14:23,960 --> 00:14:26,880 Speaker 1: say okay, oh insurance will cover it. Okay, it has 259 00:14:26,920 --> 00:14:30,280 Speaker 1: to happen that way. You've now had a good dialogue 260 00:14:30,280 --> 00:14:32,720 Speaker 1: with your doctor. You should have a good relationship, good 261 00:14:32,800 --> 00:14:35,440 Speaker 1: take if you're respectful of their time and you're organized, 262 00:14:35,440 --> 00:14:37,200 Speaker 1: you haven't written out when you go in, and you 263 00:14:37,200 --> 00:14:39,760 Speaker 1: you have your objective set, you respect their time. They 264 00:14:39,760 --> 00:14:44,280 Speaker 1: can they can be very effective with you. You then say, doc, 265 00:14:44,840 --> 00:14:48,120 Speaker 1: I'm paying for this? Is this the most cost effective 266 00:14:48,800 --> 00:14:51,440 Speaker 1: way to do this? Are there alternative treatments? Are there 267 00:14:51,440 --> 00:14:54,880 Speaker 1: alternative drugs? What other things I could I be doing. 268 00:14:55,440 --> 00:14:59,040 Speaker 1: I would suggest most of them will be helpful with you. 269 00:14:59,440 --> 00:15:02,000 Speaker 1: Some will say I don't deal with the money, my 270 00:15:02,600 --> 00:15:05,920 Speaker 1: building administrator does. And what you have to do is 271 00:15:06,000 --> 00:15:08,320 Speaker 1: each situation is a little bit differently, but you need 272 00:15:08,360 --> 00:15:12,760 Speaker 1: to ask. I spent time in sales, and I one 273 00:15:12,760 --> 00:15:15,000 Speaker 1: thing I learned pretty quickly is if you don't ask, 274 00:15:16,280 --> 00:15:19,640 Speaker 1: you don't achieve anything. And if you ask and get 275 00:15:19,640 --> 00:15:24,280 Speaker 1: a no, you're no worse off than before you asked. 276 00:15:25,760 --> 00:15:30,320 Speaker 1: So why not ask diplomatically with respect to the relationship 277 00:15:30,400 --> 00:15:33,960 Speaker 1: that you're developing. Yeah, be sure to ask in a 278 00:15:34,040 --> 00:15:36,840 Speaker 1: kind way. Yeah, Yeah, that's got What you're saying here 279 00:15:36,880 --> 00:15:39,160 Speaker 1: is essentially like we need to be advocates for ourselves. 280 00:15:39,200 --> 00:15:41,280 Speaker 1: I mean, like and we do that. It's easy to 281 00:15:41,320 --> 00:15:42,880 Speaker 1: see how we can do that when it comes to 282 00:15:43,440 --> 00:15:45,800 Speaker 1: purchases that we make day to day. But yeah, like 283 00:15:45,840 --> 00:15:47,440 Speaker 1: you said, with health care is something that we just 284 00:15:47,520 --> 00:15:49,800 Speaker 1: assumed that this is an expense that we have to incur. 285 00:15:49,920 --> 00:15:51,840 Speaker 1: It's got to be done this way. Oh, this is 286 00:15:51,880 --> 00:15:54,520 Speaker 1: what the doctor recommended. And like you said, I think 287 00:15:54,640 --> 00:15:57,320 Speaker 1: asking those correct questions, asking the good questions is a 288 00:15:57,360 --> 00:15:59,520 Speaker 1: way to certainly bring that cost down. Yeah, there's a 289 00:15:59,520 --> 00:16:02,360 Speaker 1: bigger role we can play in this whole thing. Yeah, yeah, 290 00:16:02,480 --> 00:16:05,600 Speaker 1: it's got Like. I have a quick question too about telemedicine, right, Like, 291 00:16:05,640 --> 00:16:10,120 Speaker 1: so that's exploded recently in large part due to COVID, So, like, 292 00:16:10,160 --> 00:16:12,560 Speaker 1: in your opinion, like, what are the pros of meeting 293 00:16:12,560 --> 00:16:15,120 Speaker 1: with the doctor remotely? And you know, are there any 294 00:16:15,160 --> 00:16:17,800 Speaker 1: cons Like what are your thoughts on telemedicine? So maybe 295 00:16:17,840 --> 00:16:22,840 Speaker 1: let's roll it back from before COVID. The telemedicine industry 296 00:16:23,280 --> 00:16:25,240 Speaker 1: has been growing for the last four or five years 297 00:16:25,280 --> 00:16:30,160 Speaker 1: at a year, wow. And it primarily for for some 298 00:16:30,240 --> 00:16:35,160 Speaker 1: really good reasons. We don't have enough clinicians to service 299 00:16:35,200 --> 00:16:38,280 Speaker 1: everybody in the US. We're a little bit understaffed. Long 300 00:16:38,360 --> 00:16:41,160 Speaker 1: way times to get into doctors to see him can 301 00:16:41,160 --> 00:16:45,040 Speaker 1: be it can be issues rural situations where people don't 302 00:16:45,480 --> 00:16:48,040 Speaker 1: a lot of those consolidations gone on with hospitals with 303 00:16:48,120 --> 00:16:52,480 Speaker 1: medical practices, so there's sometimes challenges of getting rural care 304 00:16:52,840 --> 00:16:55,920 Speaker 1: out of the marketplace. Uh, And I'll throw in one 305 00:16:55,920 --> 00:17:00,880 Speaker 1: other point. The average primary care physician is spends eight 306 00:17:01,080 --> 00:17:06,840 Speaker 1: minutes with each patient. Okay, you can't tell them your name, rank, 307 00:17:06,880 --> 00:17:11,240 Speaker 1: and serial number in eight minutes. So, and that's why 308 00:17:11,240 --> 00:17:16,320 Speaker 1: it's very important to be organized and have written questions 309 00:17:17,040 --> 00:17:18,960 Speaker 1: and conditions. When you go in to see a doctor, 310 00:17:19,040 --> 00:17:21,640 Speaker 1: they will very much respect you. And why you keep 311 00:17:21,640 --> 00:17:24,480 Speaker 1: it non emotional because they really don't want to hear. 312 00:17:24,800 --> 00:17:27,280 Speaker 1: They only got eight minutes. And if you spend four 313 00:17:27,320 --> 00:17:29,840 Speaker 1: of those minutes talking about how distressed you are and 314 00:17:30,040 --> 00:17:31,680 Speaker 1: you know the world is not fair and I don't 315 00:17:31,680 --> 00:17:33,919 Speaker 1: want to be sick, get get to the root of it. 316 00:17:34,280 --> 00:17:36,639 Speaker 1: So you've got this dynamic that there's not a lot 317 00:17:36,680 --> 00:17:39,000 Speaker 1: of time with the doctors, there's not enough doctors to 318 00:17:39,040 --> 00:17:41,480 Speaker 1: handle it. You've got rural areas with everything. Why don't 319 00:17:41,480 --> 00:17:45,720 Speaker 1: we triage some of the first level issues with the doctor? 320 00:17:46,760 --> 00:17:49,240 Speaker 1: And if can we do it virtually? Can we do 321 00:17:49,359 --> 00:17:53,680 Speaker 1: them over the phone for basic flu uh, skin rashes, 322 00:17:54,200 --> 00:17:58,600 Speaker 1: low grade fevers, earaches, sore throats. Can we do that 323 00:17:58,640 --> 00:18:00,360 Speaker 1: over the phone? Can we? And I'm gonna I'm gonna 324 00:18:00,440 --> 00:18:03,120 Speaker 1: date myself. Now this predated me, but I know about 325 00:18:03,200 --> 00:18:07,200 Speaker 1: Dr Welby Marcus Wellby house visits and can we get 326 00:18:07,240 --> 00:18:09,440 Speaker 1: a house visit again where we don't go in to 327 00:18:09,640 --> 00:18:12,440 Speaker 1: see the doctor. And now let's segue that up to 328 00:18:12,520 --> 00:18:16,080 Speaker 1: COVID you go to a doctor's officer or hospital, who's there. 329 00:18:17,000 --> 00:18:20,359 Speaker 1: People are sick, so you have a chance of getting 330 00:18:20,400 --> 00:18:24,440 Speaker 1: sicker right in that environment. If you can do that 331 00:18:24,560 --> 00:18:28,000 Speaker 1: from home, you can save time. You can potentially not 332 00:18:28,040 --> 00:18:31,720 Speaker 1: be in that environment until you absolutely have to. So 333 00:18:31,760 --> 00:18:33,719 Speaker 1: now you can call the dock up and you can 334 00:18:33,760 --> 00:18:37,720 Speaker 1: get a prescription over the phone for some basic level stuff. 335 00:18:37,920 --> 00:18:40,639 Speaker 1: And what I see happening with the system is we 336 00:18:40,720 --> 00:18:44,520 Speaker 1: take that first level of care that could potentially be 337 00:18:44,560 --> 00:18:47,200 Speaker 1: clogging the system, and we do it so much more 338 00:18:47,200 --> 00:18:50,919 Speaker 1: efficiently and more convenient for the consumer and quicker and 339 00:18:51,000 --> 00:18:54,440 Speaker 1: with less health exposure, which ties perfectly into COVID. It's 340 00:18:54,680 --> 00:18:58,280 Speaker 1: awesome social distancing. And that's why they the country did 341 00:18:58,359 --> 00:19:01,840 Speaker 1: that with all of the primary care physician doctors. They 342 00:19:01,840 --> 00:19:04,520 Speaker 1: had them all go remote so they wouldn't spread it anymore. 343 00:19:04,960 --> 00:19:06,800 Speaker 1: It just makes a heck of a lot of sense, 344 00:19:06,840 --> 00:19:10,000 Speaker 1: and it will be done. Here's here's general costs. A 345 00:19:10,080 --> 00:19:13,240 Speaker 1: general cost for a PCP primary care physician for a 346 00:19:13,280 --> 00:19:18,360 Speaker 1: basic visitor buck twenty. When you go to your insurance company, 347 00:19:18,520 --> 00:19:21,359 Speaker 1: they'll negotiate a deal with that primary care physician. They'll 348 00:19:21,400 --> 00:19:28,080 Speaker 1: get it down to eight. Well, the virtual Tello medicine 349 00:19:28,160 --> 00:19:32,040 Speaker 1: visits can be down to forty half the cost, half 350 00:19:32,080 --> 00:19:34,480 Speaker 1: the cost, more convenient, and you get it. And then 351 00:19:34,480 --> 00:19:37,960 Speaker 1: here's the cherry on top of it. And most of 352 00:19:37,960 --> 00:19:43,439 Speaker 1: this resonates enormously with a young mother who's got the 353 00:19:43,520 --> 00:19:46,360 Speaker 1: child who at two am wakes up with an earache, 354 00:19:46,400 --> 00:19:49,639 Speaker 1: screaming a two year old. And I had somebody that 355 00:19:49,680 --> 00:19:52,439 Speaker 1: it was helping me right for our company, and she 356 00:19:52,520 --> 00:19:54,760 Speaker 1: had that issue and she just hated insurance companies. She 357 00:19:54,840 --> 00:19:57,240 Speaker 1: ends up going to the e R room at two am, 358 00:19:57,359 --> 00:20:00,119 Speaker 1: waits two hours in the e R room, spend a 359 00:20:00,240 --> 00:20:03,639 Speaker 1: grand and they give him a mox of silla, and 360 00:20:03,680 --> 00:20:06,000 Speaker 1: they give him a prescription pilot all and the two 361 00:20:06,080 --> 00:20:08,480 Speaker 1: year olds fine, and she just you know, hated everything. 362 00:20:08,480 --> 00:20:10,760 Speaker 1: I said, well, you know, you may even have in 363 00:20:10,800 --> 00:20:14,440 Speaker 1: your insurance policy a telemedicine program where you could have 364 00:20:14,480 --> 00:20:18,600 Speaker 1: dialed that up, that doc will call the pharmacy and 365 00:20:18,640 --> 00:20:21,479 Speaker 1: you could drive and within an hour have it all 366 00:20:21,520 --> 00:20:23,720 Speaker 1: done and have your two year old on the medication 367 00:20:24,000 --> 00:20:29,359 Speaker 1: and saved fort spent maybe versus a thousand dollars. So 368 00:20:29,400 --> 00:20:31,359 Speaker 1: there's a whole host of reasons why it's good. And 369 00:20:31,400 --> 00:20:33,240 Speaker 1: I don't think we're gonna go back. And I don't 370 00:20:33,240 --> 00:20:35,159 Speaker 1: think it's a bad thing at all. I think it's 371 00:20:35,160 --> 00:20:37,119 Speaker 1: a good thing. Yeah, I think you're right to think 372 00:20:37,160 --> 00:20:40,040 Speaker 1: telemedicine is here to stay. And Scott, we've got some 373 00:20:40,080 --> 00:20:41,720 Speaker 1: more questions we want to get to. In particularly, we 374 00:20:41,760 --> 00:20:44,240 Speaker 1: want to talk more about insurance. How to find the 375 00:20:44,400 --> 00:20:46,640 Speaker 1: right health insurance plan, how to get the right health 376 00:20:46,680 --> 00:20:49,840 Speaker 1: coverage for for ourselves, and kind of one are the 377 00:20:49,840 --> 00:20:52,080 Speaker 1: things we need to consider. We'll get to some of 378 00:20:52,119 --> 00:21:03,760 Speaker 1: those questions right after the break. All right, Joe, we're 379 00:21:03,760 --> 00:21:07,320 Speaker 1: here talking with Scott Heiser about cutting healthcare costs. Uh. 380 00:21:07,640 --> 00:21:10,040 Speaker 1: You know, Scott, before the break, you're talking about customizing 381 00:21:10,119 --> 00:21:14,000 Speaker 1: your care. How essentially that's how we need to consider 382 00:21:14,560 --> 00:21:17,000 Speaker 1: the health coverage that we pursue, you know, the health 383 00:21:17,040 --> 00:21:19,879 Speaker 1: insurance specifically that we pursue. And so how should folks 384 00:21:19,960 --> 00:21:23,960 Speaker 1: without work based health insurance think about shopping for health insurance, 385 00:21:24,000 --> 00:21:27,800 Speaker 1: you know, looking at the different plans on the healthcare exchange, 386 00:21:27,800 --> 00:21:30,440 Speaker 1: How can they get the best coverage for the least 387 00:21:30,440 --> 00:21:33,160 Speaker 1: amount of money, while at the same time taking into 388 00:21:33,200 --> 00:21:37,160 Speaker 1: account you know, the specific needs, uh, that would fit them. 389 00:21:37,200 --> 00:21:39,880 Speaker 1: So the first part of that is a c a 390 00:21:39,880 --> 00:21:43,320 Speaker 1: a k a. Obamacare put into place, and this is 391 00:21:43,440 --> 00:21:46,240 Speaker 1: one of the better features of of a c a. 392 00:21:46,840 --> 00:21:50,720 Speaker 1: The exchanges, and there's the federal exchange called healthcare dot gov, 393 00:21:51,200 --> 00:21:53,480 Speaker 1: and then there's a number of states I believe it's 394 00:21:53,480 --> 00:21:55,520 Speaker 1: thirteen states that run their own so you have to 395 00:21:55,520 --> 00:21:59,480 Speaker 1: go to them to get their specific programs. But they'll 396 00:21:59,520 --> 00:22:02,760 Speaker 1: be calcul laders that give you a range of programs. 397 00:22:02,760 --> 00:22:05,200 Speaker 1: They'll ask you questions, so what your needs are. They'll 398 00:22:05,280 --> 00:22:09,840 Speaker 1: they'll pro probe you into your objectives of what you 399 00:22:09,960 --> 00:22:12,320 Speaker 1: might spend, how many how many visits you go to 400 00:22:12,400 --> 00:22:14,479 Speaker 1: doctor so and so forth. It will help direct you 401 00:22:14,480 --> 00:22:17,120 Speaker 1: where you want to go and they'll show you those options. 402 00:22:17,480 --> 00:22:19,960 Speaker 1: You don't have to worry about pre existing conditions that's 403 00:22:19,960 --> 00:22:22,879 Speaker 1: gone with Obamacare, which is that's that's probably the best 404 00:22:22,920 --> 00:22:26,960 Speaker 1: thing that Obamacare did. So Healthcare got Gov offers that 405 00:22:27,080 --> 00:22:31,360 Speaker 1: to you. Whereas it's improved dramatically from its launch, it's 406 00:22:31,359 --> 00:22:33,960 Speaker 1: still probably not the best. There's other programs out there. 407 00:22:34,359 --> 00:22:37,040 Speaker 1: There's one that we recommend that through our site, and 408 00:22:37,119 --> 00:22:40,800 Speaker 1: there's others that you can talk to. And this is 409 00:22:40,960 --> 00:22:43,040 Speaker 1: rare these days, and I'm always thrilled. And of course 410 00:22:43,040 --> 00:22:45,040 Speaker 1: I'm a different generation. But you can talk to a 411 00:22:45,160 --> 00:22:49,080 Speaker 1: human and ask questions. Along with working through the grid 412 00:22:49,480 --> 00:22:52,480 Speaker 1: of the options you presented, you can you can chat 413 00:22:52,600 --> 00:22:55,560 Speaker 1: room with them about it and they will not only 414 00:22:55,600 --> 00:22:58,720 Speaker 1: help you when you've major selection, but if you have 415 00:22:58,840 --> 00:23:03,520 Speaker 1: questions throughout the year. And they're not insurance brokers or agents. 416 00:23:03,680 --> 00:23:08,280 Speaker 1: It's a company that only does enrollment for healthcare dot 417 00:23:08,320 --> 00:23:11,760 Speaker 1: CoV a c A plans. They did proximately of all 418 00:23:11,800 --> 00:23:15,200 Speaker 1: the enrollments in the previous year. So that's what I 419 00:23:15,200 --> 00:23:17,160 Speaker 1: would advise you, whether you do the one I'm talking 420 00:23:17,160 --> 00:23:21,000 Speaker 1: about healthcare dot cover or not, is you find somebody 421 00:23:21,000 --> 00:23:24,359 Speaker 1: that will provide you the assistance, uh not just a 422 00:23:24,480 --> 00:23:28,119 Speaker 1: technical assistance that you can ask questions and understand. And 423 00:23:28,200 --> 00:23:29,920 Speaker 1: that website you're talking about is that health scare but 424 00:23:30,080 --> 00:23:32,359 Speaker 1: dot com right, and you can access that through our 425 00:23:32,400 --> 00:23:35,879 Speaker 1: site on uncovered hc dot com. Okay, Yeah. They seem 426 00:23:35,920 --> 00:23:37,880 Speaker 1: to do a really good job of helping people compare 427 00:23:38,240 --> 00:23:40,200 Speaker 1: the cost comparing plans, because that's what we're talking about, 428 00:23:40,200 --> 00:23:42,640 Speaker 1: like we need to be informed consumers and we need 429 00:23:42,680 --> 00:23:45,199 Speaker 1: to know what's the maximumount of pocket costs for us 430 00:23:45,200 --> 00:23:47,720 Speaker 1: that year, what's the likelihood that we're going to reach 431 00:23:47,760 --> 00:23:49,760 Speaker 1: that limit. We need to know all those kind of 432 00:23:49,760 --> 00:23:51,919 Speaker 1: things as we're going into making the best decision about 433 00:23:52,240 --> 00:23:54,440 Speaker 1: the plan that works best for us, that's going to 434 00:23:54,520 --> 00:23:56,640 Speaker 1: give us the maximum coverage to the least amount of cost. 435 00:23:56,960 --> 00:23:59,399 Speaker 1: So so on that note, Scott, what's your take on 436 00:24:00,000 --> 00:24:02,480 Speaker 1: eight based health sharing plans? Who do those work well for? 437 00:24:02,520 --> 00:24:05,360 Speaker 1: Because I know sometimes you're looking at the premiums shopping 438 00:24:05,440 --> 00:24:07,760 Speaker 1: on healthcare dot gov or looking at those plans to 439 00:24:07,920 --> 00:24:11,000 Speaker 1: health Serpa, you're a little freaked out and you're not 440 00:24:11,040 --> 00:24:13,280 Speaker 1: sure that you can afford the monthly premium. So so yeah, 441 00:24:13,320 --> 00:24:15,280 Speaker 1: what's your take on the faith based health sharing plans 442 00:24:15,320 --> 00:24:18,160 Speaker 1: that you know, at least on the surface, they look 443 00:24:18,240 --> 00:24:19,800 Speaker 1: like they could save you a lot of money at 444 00:24:19,840 --> 00:24:22,680 Speaker 1: least on you know, a monthly premium schedule. And I'll say, 445 00:24:22,680 --> 00:24:24,960 Speaker 1: a part of why Joel's asking that is actually, like 446 00:24:25,520 --> 00:24:27,760 Speaker 1: I'm signed up for one of those. Yeah, our family 447 00:24:27,800 --> 00:24:29,879 Speaker 1: we signed up for one of those like maybe gosh, 448 00:24:29,880 --> 00:24:32,200 Speaker 1: three or four years ago. We've actually been with been 449 00:24:32,240 --> 00:24:35,240 Speaker 1: with them since and for us at least it seems 450 00:24:35,280 --> 00:24:37,359 Speaker 1: to have worked out. But yeah, we're definitely curious to 451 00:24:37,359 --> 00:24:41,560 Speaker 1: hear your thoughts. Here it is an individual decision. The 452 00:24:41,800 --> 00:24:46,280 Speaker 1: concept of the faith based programs is insurance one oh one. 453 00:24:46,960 --> 00:24:48,879 Speaker 1: We're all gonna get together. We're all gonna have a 454 00:24:48,920 --> 00:24:52,640 Speaker 1: set of core beliefs and a program how it'll be administered, 455 00:24:52,920 --> 00:24:55,080 Speaker 1: and we're all going to share. We're all just sharing 456 00:24:55,080 --> 00:24:57,439 Speaker 1: them the cost to come in, and then we're also 457 00:24:57,520 --> 00:25:02,440 Speaker 1: going to require you to be is consumer oriented as 458 00:25:02,480 --> 00:25:04,560 Speaker 1: possible and ensure that you get the best deal every 459 00:25:04,560 --> 00:25:07,320 Speaker 1: time you go out and incur healthcare costs. So I 460 00:25:07,359 --> 00:25:10,440 Speaker 1: absolutely have no problems with those that. That makes a 461 00:25:10,480 --> 00:25:13,679 Speaker 1: lot of sense to me, and it does reduce costs dramatically, 462 00:25:14,040 --> 00:25:19,640 Speaker 1: So that's the pro side. The caution side says that 463 00:25:19,880 --> 00:25:23,239 Speaker 1: aligned thinking is if it's religion and the religions out there, 464 00:25:23,280 --> 00:25:27,440 Speaker 1: there's programs for Judaism, Christianity, Islam, and there may be more. 465 00:25:27,560 --> 00:25:30,840 Speaker 1: It's not just Christians. Sometimes they're called Christian programs. They 466 00:25:30,880 --> 00:25:33,560 Speaker 1: have them for for each of those three major religions. 467 00:25:33,880 --> 00:25:37,119 Speaker 1: They'll have lifestyle tenants that you have to adhere to, 468 00:25:37,720 --> 00:25:40,160 Speaker 1: and they may not cover claims that are outside those 469 00:25:40,200 --> 00:25:44,719 Speaker 1: lifestyle tenants. For example, some don't cover birth control, so 470 00:25:44,800 --> 00:25:47,240 Speaker 1: you just you have to know that. The second one 471 00:25:47,280 --> 00:25:50,760 Speaker 1: is they'll have a basic level of coverage, no questions 472 00:25:50,800 --> 00:25:53,600 Speaker 1: ask you get and then after that, if you have 473 00:25:54,119 --> 00:25:57,240 Speaker 1: something of a more serious nature, they'll have what they 474 00:25:57,280 --> 00:26:00,879 Speaker 1: call prayer requests, and each one us a little bit differently. 475 00:26:00,880 --> 00:26:02,399 Speaker 1: I don't know if that's the program you have is 476 00:26:02,440 --> 00:26:07,000 Speaker 1: like that, and then you submit that claim. Two, the 477 00:26:07,240 --> 00:26:10,639 Speaker 1: group members that will all have adhered to the tenants 478 00:26:10,720 --> 00:26:15,679 Speaker 1: of the program, and people make donations to meet your needs, 479 00:26:16,400 --> 00:26:20,600 Speaker 1: they'll all claim, and I don't dispute their claims that 480 00:26:21,040 --> 00:26:23,919 Speaker 1: they meet all their prayer requests. That's something you just 481 00:26:24,000 --> 00:26:27,000 Speaker 1: need to be aware of. So if you had a chronic, 482 00:26:27,680 --> 00:26:31,160 Speaker 1: serious health issue that you're spending SIGNIFI dollars, I might 483 00:26:31,320 --> 00:26:34,919 Speaker 1: pause and really really look at it now before you 484 00:26:34,960 --> 00:26:38,920 Speaker 1: get anything. There's one other thing too. They because they're 485 00:26:38,960 --> 00:26:42,080 Speaker 1: not a c A compliance programs, but because they have 486 00:26:42,119 --> 00:26:45,560 Speaker 1: a religious affiliation, they didn't have to comply with a 487 00:26:45,640 --> 00:26:47,639 Speaker 1: c A. And one of the major tenants of a 488 00:26:47,720 --> 00:26:51,240 Speaker 1: c A was no pre existing conditions. So if you've 489 00:26:51,280 --> 00:26:54,240 Speaker 1: got diabetes for the first year, they may not cover 490 00:26:54,280 --> 00:26:58,119 Speaker 1: any diabetic claims. So someone, I'm assuming your your family 491 00:26:58,200 --> 00:27:00,480 Speaker 1: is healthy and everything else. They're they're the AMO I 492 00:27:00,520 --> 00:27:02,760 Speaker 1: have a good friend of mine who couldn't afford the 493 00:27:02,800 --> 00:27:07,639 Speaker 1: coverage and hadn't been hadn't been covered for years, and 494 00:27:07,680 --> 00:27:11,480 Speaker 1: he went from to three hundred bucks for her family coverage. 495 00:27:11,640 --> 00:27:15,560 Speaker 1: He's had no problems. Uh, you just have to be informed. 496 00:27:15,640 --> 00:27:17,640 Speaker 1: So again going back to the old premise of the book, 497 00:27:17,800 --> 00:27:20,320 Speaker 1: you have to be a consumer, do your homework and 498 00:27:20,400 --> 00:27:24,720 Speaker 1: understand it, and there's options that you can you can get. Yeah. Absolutely, 499 00:27:24,720 --> 00:27:27,960 Speaker 1: I I'm with you on all of that. There's some 500 00:27:27,960 --> 00:27:31,600 Speaker 1: some of those the you know sharing programs, they are 501 00:27:31,640 --> 00:27:33,880 Speaker 1: a little more person to person where you know where 502 00:27:34,000 --> 00:27:37,560 Speaker 1: you're funding actually comes from another individual, which for us 503 00:27:37,600 --> 00:27:39,800 Speaker 1: that actually turned us off a little bit. It felt 504 00:27:39,840 --> 00:27:43,720 Speaker 1: a little too a little too hippie little granola for 505 00:27:44,040 --> 00:27:46,600 Speaker 1: you know, these medical payments to be on a check 506 00:27:46,680 --> 00:27:49,760 Speaker 1: that's coming from you know, Bob and Iowa kind of thing. 507 00:27:49,960 --> 00:27:51,840 Speaker 1: But Yeah, like you said, though, one of the things 508 00:27:51,880 --> 00:27:53,600 Speaker 1: that I do like about it is it really does 509 00:27:53,680 --> 00:27:56,879 Speaker 1: force you to to shop around. It forces you to 510 00:27:56,880 --> 00:27:59,800 Speaker 1: to be healthy. They incentivize healthy behavior which you can 511 00:28:00,000 --> 00:28:02,879 Speaker 1: fly forward to get discounts. Those are the aspects of 512 00:28:02,880 --> 00:28:04,960 Speaker 1: it that I that I like. That's what all the 513 00:28:05,000 --> 00:28:08,480 Speaker 1: programs should be doing we should be instead of going 514 00:28:08,480 --> 00:28:10,680 Speaker 1: and said, oh, I have insurance. I don't care how 515 00:28:10,720 --> 00:28:13,399 Speaker 1: many tests you do. I want to understand is it 516 00:28:13,480 --> 00:28:16,879 Speaker 1: meeting with the profile of the diagnosis I need? And 517 00:28:16,880 --> 00:28:19,160 Speaker 1: can I get the best cost? Let's let me segway 518 00:28:19,200 --> 00:28:22,240 Speaker 1: quickly on that. Mr Eyes, this is low hanging fruit. 519 00:28:22,280 --> 00:28:25,199 Speaker 1: It's easy. Everybody hears about it, but an m R I. 520 00:28:25,520 --> 00:28:28,520 Speaker 1: So under your program, you're you're obligated to go get 521 00:28:28,560 --> 00:28:31,640 Speaker 1: the best price. I personally had and am I herneated 522 00:28:31,680 --> 00:28:36,800 Speaker 1: a disk m R I in my local town. I 523 00:28:36,840 --> 00:28:40,040 Speaker 1: got on and shopped, found it for four hundred and 524 00:28:40,120 --> 00:28:44,480 Speaker 1: I drove two hours and save to think about it 525 00:28:44,520 --> 00:28:48,040 Speaker 1: this way, if everybody did that where you could. You 526 00:28:48,120 --> 00:28:50,320 Speaker 1: can't do that all the time. If you've got an 527 00:28:50,360 --> 00:28:54,720 Speaker 1: emergency situation or you know, stage four cancer, Yeah, you're 528 00:28:54,720 --> 00:28:57,560 Speaker 1: bleeding out of your side, it's really hard to shop 529 00:28:57,840 --> 00:29:01,320 Speaker 1: right then in that moment on your smartphone, my phone, Yeah, 530 00:29:01,480 --> 00:29:03,400 Speaker 1: the old bondy python. If your arm has been cut off, 531 00:29:03,480 --> 00:29:06,120 Speaker 1: the blood spurting out, yeah, you go with it. Whatever. 532 00:29:06,160 --> 00:29:09,920 Speaker 1: You're not dead yet, yeah, exactly. But if we're all 533 00:29:09,960 --> 00:29:14,000 Speaker 1: doing that, that helps all of us, doesn't just help 534 00:29:14,200 --> 00:29:15,840 Speaker 1: each one of us. And I don't know if you 535 00:29:15,840 --> 00:29:18,720 Speaker 1: guys are familiar with Covey Stephen Covey. Yeah, it's going 536 00:29:18,760 --> 00:29:23,880 Speaker 1: to the the circle of influence versus the sphere, and 537 00:29:24,000 --> 00:29:27,120 Speaker 1: everybody wants to talk about the sphere, the big orb 538 00:29:27,360 --> 00:29:29,520 Speaker 1: out there and and all the things. What's the what's 539 00:29:29,680 --> 00:29:31,440 Speaker 1: kind of help plants we have? What's the country we're 540 00:29:31,440 --> 00:29:33,800 Speaker 1: doing all this stuff? We're not going to change that. 541 00:29:34,200 --> 00:29:37,080 Speaker 1: What we can change is getting the best cost and 542 00:29:37,360 --> 00:29:41,240 Speaker 1: not overpaying, and that trickles up and there are a 543 00:29:41,280 --> 00:29:43,920 Speaker 1: lot of decisions that we can make as individuals and 544 00:29:44,000 --> 00:29:47,719 Speaker 1: that has a massive impact on maybe not the whole system, 545 00:29:47,840 --> 00:29:50,560 Speaker 1: but at least on our individual medical bills and what 546 00:29:50,600 --> 00:29:52,479 Speaker 1: those look like. And Scott, we've got a couple more 547 00:29:52,520 --> 00:29:55,600 Speaker 1: questions we want to get to, specifically about medical bills, 548 00:29:55,840 --> 00:29:58,280 Speaker 1: pharmacy costs, those kind of things that the particular cost 549 00:29:58,360 --> 00:30:00,840 Speaker 1: that we incur on a regular asis. So we'll get 550 00:30:00,840 --> 00:30:12,160 Speaker 1: to some of those questions right after the break. We're 551 00:30:12,200 --> 00:30:14,240 Speaker 1: back to the break. We're talking with Scott Heiser about 552 00:30:14,240 --> 00:30:17,120 Speaker 1: cutting healthcare costs and there's crucial knowledge that we need 553 00:30:17,160 --> 00:30:18,600 Speaker 1: to have in order to be able to do that 554 00:30:18,640 --> 00:30:21,920 Speaker 1: in our lives we're gonna get to some specific bills, 555 00:30:21,960 --> 00:30:24,880 Speaker 1: like how we counteract medical bills, medical bill shock in 556 00:30:24,920 --> 00:30:26,720 Speaker 1: our lives. We're gonna ask some questions about that of you, 557 00:30:26,800 --> 00:30:28,800 Speaker 1: Scott in just a second. But I wanted to ask you. 558 00:30:29,080 --> 00:30:32,640 Speaker 1: There are more unemployed people now since COVID hit, I mean, 559 00:30:32,680 --> 00:30:36,720 Speaker 1: the unemployment numbers have been dramatic. So those folks, do 560 00:30:36,800 --> 00:30:41,000 Speaker 1: they have the ability to get a reduced cost on 561 00:30:41,120 --> 00:30:44,520 Speaker 1: the Obamacare healthcare exchange when they're shopping for a plan 562 00:30:44,640 --> 00:30:48,240 Speaker 1: because their income has been for many people just so 563 00:30:48,400 --> 00:30:51,080 Speaker 1: dramatically reduced. Can they get a better deal essentially on 564 00:30:51,080 --> 00:30:53,880 Speaker 1: on their monthly premiums? Great question, and I apologize for 565 00:30:53,920 --> 00:30:56,200 Speaker 1: not hitting that in the last segment. You've got three things. 566 00:30:56,240 --> 00:30:57,960 Speaker 1: If you're employed, you don't have a job, you're gonna 567 00:30:57,960 --> 00:31:00,160 Speaker 1: get cobra. If you work to an employer or were 568 00:31:00,160 --> 00:31:02,920 Speaker 1: twenty employees, your employer has to off for cobra. You'll 569 00:31:02,920 --> 00:31:05,440 Speaker 1: look at that. It's gonna be expensive, but you may 570 00:31:05,480 --> 00:31:07,000 Speaker 1: want to take that. You'll look at that you get 571 00:31:07,040 --> 00:31:10,000 Speaker 1: it for eighteen months. Second one, you can go into 572 00:31:10,120 --> 00:31:14,640 Speaker 1: healthcare dot gov. And the great thing about this is 573 00:31:15,080 --> 00:31:19,000 Speaker 1: it'll ask what your estimated earnings are for twenty twenty, 574 00:31:19,280 --> 00:31:21,520 Speaker 1: not what you're in last year, but what you think 575 00:31:21,560 --> 00:31:23,480 Speaker 1: you had could make And I'll give you an example, 576 00:31:23,880 --> 00:31:26,240 Speaker 1: and then you're may be eligible for subsidies. So I 577 00:31:26,240 --> 00:31:29,080 Speaker 1: did a quick check on that in Michigan did a 578 00:31:29,200 --> 00:31:31,880 Speaker 1: did a average earnings in the US sixty three thousand. 579 00:31:32,160 --> 00:31:35,160 Speaker 1: Do you miss four months out of the COVID you 580 00:31:35,240 --> 00:31:38,400 Speaker 1: might be down to forty two family of four thirty 581 00:31:38,480 --> 00:31:41,760 Speaker 1: nine year old stud kids. There was a program offered 582 00:31:42,040 --> 00:31:47,200 Speaker 1: without subsidies, was dollars with subsidies hundred and sixty six dollars. 583 00:31:49,160 --> 00:31:53,440 Speaker 1: So third, third step, third step is if you're totally destitute, 584 00:31:53,760 --> 00:31:57,040 Speaker 1: there's medicaid, and medicaid does the same thing. It works 585 00:31:57,080 --> 00:32:00,960 Speaker 1: on your estimated income for this year. Now, the last 586 00:32:01,000 --> 00:32:02,720 Speaker 1: cabby on it is, so you estimate, you think you're 587 00:32:02,720 --> 00:32:04,720 Speaker 1: gonna be out four months or five months, and you 588 00:32:04,760 --> 00:32:07,360 Speaker 1: do it. You get these subsidies. If you were only 589 00:32:07,400 --> 00:32:09,360 Speaker 1: out three months at the end of the year, you'll 590 00:32:09,360 --> 00:32:11,480 Speaker 1: have to adjust and they may come back on some 591 00:32:11,520 --> 00:32:15,560 Speaker 1: of the the subsidies. But man, if you're panicked right now, 592 00:32:15,680 --> 00:32:18,320 Speaker 1: you don't need to be panicked. So many people are scaring. 593 00:32:18,520 --> 00:32:20,960 Speaker 1: There's articles in Washington post and everything, just saying people 594 00:32:20,960 --> 00:32:23,280 Speaker 1: are losing it and they can't go to clinics because 595 00:32:23,280 --> 00:32:25,560 Speaker 1: they're they're overflowed. What do I they do? They don't 596 00:32:25,560 --> 00:32:28,719 Speaker 1: say what do I do? They're not helping people solve 597 00:32:28,840 --> 00:32:31,960 Speaker 1: the issues. It's out there, you can use it. That's great, 598 00:32:32,000 --> 00:32:34,080 Speaker 1: that's that's good to know that those are a few 599 00:32:34,080 --> 00:32:36,920 Speaker 1: options for folks who have been negatively affected, you know, 600 00:32:36,960 --> 00:32:41,080 Speaker 1: where their employment has been negatively affected by this crisis. Um, well, Scott, 601 00:32:41,120 --> 00:32:42,880 Speaker 1: let's kind of dive into maybe some more of these 602 00:32:43,240 --> 00:32:46,280 Speaker 1: immediate practical takeaways that can help us to spend less 603 00:32:46,440 --> 00:32:49,000 Speaker 1: on our medical bills. But like when we receive these 604 00:32:49,000 --> 00:32:51,240 Speaker 1: bills in the mail, like they can be really confusing, 605 00:32:51,840 --> 00:32:53,720 Speaker 1: and so what should we do when we get a 606 00:32:53,720 --> 00:32:55,479 Speaker 1: bill for a service in the mail? Like can we 607 00:32:55,520 --> 00:32:59,160 Speaker 1: negotiate these bills? Well, we want to negotiate before we 608 00:32:59,200 --> 00:33:01,560 Speaker 1: get the bill the best time. And that's where we 609 00:33:01,560 --> 00:33:03,840 Speaker 1: talked to the last segment about talking to your doctor 610 00:33:03,920 --> 00:33:07,440 Speaker 1: and what's the best cost, best cost for the procedures 611 00:33:07,440 --> 00:33:09,920 Speaker 1: you're recommending me to do. Now you're gonna get bills, 612 00:33:09,920 --> 00:33:11,560 Speaker 1: You've you've gone through everything, and you start getting the 613 00:33:11,600 --> 00:33:14,000 Speaker 1: bills and I'm gonna assume here that this is somebody 614 00:33:14,040 --> 00:33:17,120 Speaker 1: with insurance. Yeah, let's yeah, let's say somebody with insurance. 615 00:33:17,160 --> 00:33:19,240 Speaker 1: They get the bill in the mail and they're like, whoa, 616 00:33:19,320 --> 00:33:21,560 Speaker 1: even after insurance, it's a lot more expensive than I 617 00:33:21,560 --> 00:33:23,800 Speaker 1: thought it would be. They had their procedure last month. There, 618 00:33:23,800 --> 00:33:25,479 Speaker 1: listen to this now, and they know that they're going 619 00:33:25,520 --> 00:33:28,680 Speaker 1: to get a bill in three weeks exactly. Uh So 620 00:33:28,760 --> 00:33:31,440 Speaker 1: there's you're probably gonna get two bills in the mail. 621 00:33:31,480 --> 00:33:33,440 Speaker 1: You're gonna get billed by the doctor's office because you 622 00:33:33,480 --> 00:33:35,920 Speaker 1: had a deductible or an out of pocket So they're 623 00:33:35,920 --> 00:33:38,160 Speaker 1: gonna bill you and tell how much that you own, 624 00:33:38,440 --> 00:33:40,160 Speaker 1: and what they don't really know is how much, and 625 00:33:40,200 --> 00:33:42,320 Speaker 1: so they'll just send you the bill, the whole bill, 626 00:33:42,760 --> 00:33:45,840 Speaker 1: and it won't be the discounted bill. So what you 627 00:33:45,840 --> 00:33:47,480 Speaker 1: want to do is wait till you get what's called 628 00:33:47,520 --> 00:33:50,719 Speaker 1: the explanation of benefits from your insurance company. The insurance 629 00:33:50,720 --> 00:33:53,080 Speaker 1: company dogles apply your deductibles to it, they will apply 630 00:33:53,200 --> 00:33:56,880 Speaker 1: your discounts. They'll apply only eligible charges, so the doctor 631 00:33:56,880 --> 00:33:59,720 Speaker 1: put in non eligible charges, they won't be included. They'll 632 00:33:59,760 --> 00:34:01,520 Speaker 1: disc count of for what the discounts are. That they've 633 00:34:01,560 --> 00:34:04,240 Speaker 1: negotiated with the doctor, they'll apply whatever deductibles you have 634 00:34:04,240 --> 00:34:06,560 Speaker 1: and they'll have a net cost that you owe. That's 635 00:34:06,600 --> 00:34:08,879 Speaker 1: where you want to live and you don't want to 636 00:34:08,920 --> 00:34:13,080 Speaker 1: necessarily pay attention to the doctor's bill. You'll never balance 637 00:34:13,120 --> 00:34:15,280 Speaker 1: those two together. And as long as the doctors submitting 638 00:34:15,280 --> 00:34:18,000 Speaker 1: the bills the insurance company, which they are, you'll stay 639 00:34:18,040 --> 00:34:19,880 Speaker 1: with the insurance company to do it. The other thing 640 00:34:19,960 --> 00:34:23,960 Speaker 1: I would suggest, and it's usually more um when you're 641 00:34:24,000 --> 00:34:28,040 Speaker 1: coming out of a larger procedure hospital or outpatient surgery 642 00:34:28,160 --> 00:34:31,520 Speaker 1: or something like that, ask for the hospital bill. Ask 643 00:34:31,600 --> 00:34:34,080 Speaker 1: for it then, and they'll say, your insurance company covers 644 00:34:34,120 --> 00:34:37,440 Speaker 1: and said no, I'd like to know because inevitably they'll 645 00:34:37,480 --> 00:34:39,960 Speaker 1: be overcharges in it, and you should look at it 646 00:34:40,000 --> 00:34:42,239 Speaker 1: and say, and you know, here's the other thing. You 647 00:34:42,280 --> 00:34:44,959 Speaker 1: know better about that than the insurance company does, because 648 00:34:44,960 --> 00:34:47,520 Speaker 1: the insurance company is gonna the doctor is gonna submit it. 649 00:34:47,560 --> 00:34:49,920 Speaker 1: If it looks reasonable, they're gonna pay it there on 650 00:34:50,239 --> 00:34:54,440 Speaker 1: diagnostic related charge and group charges. So that's a fancy 651 00:34:54,560 --> 00:34:57,640 Speaker 1: term for they look at the whole procedure and they 652 00:34:57,640 --> 00:35:00,160 Speaker 1: pay for a whole procedure. Well, if you know, if 653 00:35:00,200 --> 00:35:02,920 Speaker 1: you never had any aspirin, and there's a there's a 654 00:35:02,920 --> 00:35:06,080 Speaker 1: fifty dollar aspirin on there, which is an outrageous I mean, 655 00:35:06,200 --> 00:35:08,200 Speaker 1: well it is outrageous, but I mean like that's that's 656 00:35:08,200 --> 00:35:11,319 Speaker 1: an actual cost that that does make it to these 657 00:35:11,360 --> 00:35:15,520 Speaker 1: medical bills, a fifty pill of aspirin. Well, so let 658 00:35:15,520 --> 00:35:17,120 Speaker 1: me let me say something about and and really I 659 00:35:17,160 --> 00:35:19,799 Speaker 1: don't want to hospitals are having tough tough times now, 660 00:35:20,560 --> 00:35:24,319 Speaker 1: really tough times financially. So let's roll back before this 661 00:35:24,440 --> 00:35:28,600 Speaker 1: COVID and before Obamacare, there was forty million that didn't 662 00:35:28,600 --> 00:35:30,759 Speaker 1: have coverage. Hospitals would have to take care of them 663 00:35:30,760 --> 00:35:33,400 Speaker 1: when they came in, and it was indigent care. And 664 00:35:33,440 --> 00:35:35,279 Speaker 1: what they do is they take those charges that they 665 00:35:35,320 --> 00:35:37,040 Speaker 1: didn't get paid for and they pass them back to 666 00:35:37,160 --> 00:35:39,920 Speaker 1: everybody was paying that. Obamacare comes and it cut the 667 00:35:39,960 --> 00:35:42,520 Speaker 1: forty down to about twenty millions. About half came off 668 00:35:42,840 --> 00:35:44,759 Speaker 1: and whether they want on Medicaid or they got on 669 00:35:44,800 --> 00:35:47,359 Speaker 1: insurance and paid, and so the hospitals not was making 670 00:35:47,400 --> 00:35:51,120 Speaker 1: that money, but they didn't reduce their costs. So you 671 00:35:51,160 --> 00:35:54,400 Speaker 1: really do need to look and ask questions because it 672 00:35:54,560 --> 00:35:57,319 Speaker 1: won't necessarily get passed on. So you want to do that. 673 00:35:57,360 --> 00:36:01,000 Speaker 1: The other thing cash is king. It's like do the math. 674 00:36:01,760 --> 00:36:05,920 Speaker 1: Cash is king. If you have the cash, ask them 675 00:36:05,920 --> 00:36:08,120 Speaker 1: will they give you a discount and a discount over 676 00:36:08,160 --> 00:36:10,760 Speaker 1: your insurance because if you've got a five thousand or deductible, 677 00:36:10,760 --> 00:36:12,680 Speaker 1: even though the insurance there, they've got to get five 678 00:36:12,680 --> 00:36:15,200 Speaker 1: thousand bucks from you. If you said have paid cash, 679 00:36:15,239 --> 00:36:18,520 Speaker 1: we give me a discount. And again if they say no, 680 00:36:18,960 --> 00:36:22,359 Speaker 1: you have lost nothing. If they say yeah, you pick 681 00:36:22,440 --> 00:36:26,160 Speaker 1: up ten fifteen points. And the ultimate game, you know, 682 00:36:26,600 --> 00:36:29,480 Speaker 1: there's there's hospital bill auditors that that we give some 683 00:36:29,560 --> 00:36:33,480 Speaker 1: associations that that provide those type companies. Let's say you 684 00:36:33,480 --> 00:36:36,400 Speaker 1: get balanced build and that's another subject. But if the 685 00:36:36,440 --> 00:36:38,680 Speaker 1: hospitals building you beyond what the insurance coming says you 686 00:36:38,719 --> 00:36:42,239 Speaker 1: owe it, there's hospital building companies that you can contact 687 00:36:42,880 --> 00:36:44,640 Speaker 1: and then do audits on the bills and they'll take 688 00:36:44,680 --> 00:36:47,520 Speaker 1: a percentage of the savings they get and to knock 689 00:36:47,560 --> 00:36:50,480 Speaker 1: down bills. Well, that's that that brings up another points 690 00:36:50,480 --> 00:36:54,480 Speaker 1: guide there. There's if somebody even after you're going through 691 00:36:54,520 --> 00:36:57,839 Speaker 1: line by line, they're itemized bill and even going back 692 00:36:57,840 --> 00:37:00,719 Speaker 1: to the insurance company and saying, hey this this wasn't valid. 693 00:37:00,800 --> 00:37:03,480 Speaker 1: I didn't I didn't have aspirin, and they charge me 694 00:37:03,520 --> 00:37:05,719 Speaker 1: fifty dollars for an aspirin whatever it is, even after 695 00:37:05,719 --> 00:37:09,600 Speaker 1: trying to negotiate that bill down. How can an individual 696 00:37:10,760 --> 00:37:13,400 Speaker 1: if they can't afford the bill, what other options are 697 00:37:13,400 --> 00:37:16,440 Speaker 1: they are available for them? Because medical debt is obviously 698 00:37:16,760 --> 00:37:19,359 Speaker 1: just a huge problem plaguing in our country. Right. So 699 00:37:19,400 --> 00:37:20,960 Speaker 1: there's a couple of things we have in section is 700 00:37:21,200 --> 00:37:24,200 Speaker 1: is you look at the hospital have, depending on your income, 701 00:37:24,239 --> 00:37:28,600 Speaker 1: will have a charitable policy and if their public hospital, 702 00:37:28,640 --> 00:37:32,440 Speaker 1: they have to provide that. So you want to inquire 703 00:37:33,040 --> 00:37:34,960 Speaker 1: is there money available from the hospital help pay for 704 00:37:35,000 --> 00:37:37,800 Speaker 1: these things? Um. You also want to look at Disease 705 00:37:37,800 --> 00:37:41,960 Speaker 1: Association's cancer, diabetes, kidneys, so on and so forth. Sometimes 706 00:37:41,960 --> 00:37:45,560 Speaker 1: they can help pay UH for for premiums or or 707 00:37:45,640 --> 00:37:49,080 Speaker 1: claims UM. So that's another revenue to look at. There's 708 00:37:49,120 --> 00:37:52,480 Speaker 1: obviously go fund me. I've paid into a number of 709 00:37:52,520 --> 00:37:55,680 Speaker 1: those for people with with claims they can't they can't meet, 710 00:37:55,840 --> 00:37:57,480 Speaker 1: and I see more and more of those popping up, 711 00:37:57,880 --> 00:38:00,600 Speaker 1: and yeah, so that actually goes back to your UM 712 00:38:00,600 --> 00:38:04,520 Speaker 1: religious based insurance. I don't I don't really see anything 713 00:38:05,320 --> 00:38:07,480 Speaker 1: wrong with that. If we're looking at it, and that's 714 00:38:07,520 --> 00:38:09,239 Speaker 1: how we can do it. It's not maybe the best 715 00:38:09,239 --> 00:38:12,040 Speaker 1: way system wise, but again, we're talking about solving problems 716 00:38:12,080 --> 00:38:15,040 Speaker 1: today with what we're faced and if we can do 717 00:38:15,080 --> 00:38:16,959 Speaker 1: that and we all pitch in together and help people out, 718 00:38:17,080 --> 00:38:19,640 Speaker 1: there's not necessari anything wrong with that. Uh. The other 719 00:38:19,680 --> 00:38:23,360 Speaker 1: thing is, so if what you're hitting with financially, financial 720 00:38:23,440 --> 00:38:27,680 Speaker 1: stress is enormous on healthcare situations. When people have serious 721 00:38:27,680 --> 00:38:33,799 Speaker 1: health care situations, they have lose their cognitive reason So 722 00:38:33,880 --> 00:38:36,239 Speaker 1: you don't you don't want that happening when you're in 723 00:38:36,239 --> 00:38:38,600 Speaker 1: a health care situation, and if you put a financial 724 00:38:38,640 --> 00:38:41,480 Speaker 1: stress on top of that, it'll exacerbate it. So and 725 00:38:41,480 --> 00:38:43,719 Speaker 1: you're gonna be stressed in a health care situation. So 726 00:38:43,760 --> 00:38:46,040 Speaker 1: what you also want to do is look for an advocate, 727 00:38:46,480 --> 00:38:49,320 Speaker 1: and an advocate maybe someone with from your own insurance 728 00:38:49,360 --> 00:38:51,279 Speaker 1: company that will have concierge services that will help you 729 00:38:51,320 --> 00:38:54,040 Speaker 1: through things, and they can they can try to help 730 00:38:54,080 --> 00:38:56,440 Speaker 1: you talk about financials. They won't be great with that. 731 00:38:57,000 --> 00:38:59,880 Speaker 1: If you have a spiritual leader, religious organization, you're philly 732 00:39:00,000 --> 00:39:02,560 Speaker 1: it asked them if they have help or people can 733 00:39:02,600 --> 00:39:05,600 Speaker 1: help you in the organizations, ask friends and peers to 734 00:39:05,640 --> 00:39:08,879 Speaker 1: be advocates for you, and they can help you get 735 00:39:08,920 --> 00:39:11,120 Speaker 1: a clearer mind and make sure the right questions are 736 00:39:11,120 --> 00:39:14,240 Speaker 1: asked about your health and about your finances. But getting 737 00:39:14,239 --> 00:39:17,120 Speaker 1: an advocate is is critical. There's also companies out there 738 00:39:17,160 --> 00:39:19,759 Speaker 1: that provide advocacy. Some through the employers are for that 739 00:39:20,360 --> 00:39:24,200 Speaker 1: um and some some do that directly that you can 740 00:39:24,239 --> 00:39:28,480 Speaker 1: pay for the advocacy on a monthly basis. Great thoughts there, Scott. 741 00:39:28,480 --> 00:39:31,319 Speaker 1: I want to talk about, let's you know, shopping costs 742 00:39:31,360 --> 00:39:34,319 Speaker 1: of a procedure before actually scheduling it. There are certain 743 00:39:34,360 --> 00:39:38,399 Speaker 1: countries that are becoming known for high level UH and 744 00:39:38,400 --> 00:39:40,680 Speaker 1: and even kind of like these low grade like low level, 745 00:39:41,360 --> 00:39:48,080 Speaker 1: low cost healthcare procedures. I'm thinking about Mueller City in Mexico. Like, 746 00:39:48,120 --> 00:39:51,359 Speaker 1: what are your thoughts on medical tourism. So I'm gonna 747 00:39:51,400 --> 00:39:55,720 Speaker 1: do two levels international medical tourism and then US based 748 00:39:55,920 --> 00:39:59,040 Speaker 1: medical tourism. All right, prior to Obamacare, a lot of 749 00:39:59,040 --> 00:40:01,239 Speaker 1: people going out because it couldn't you had forty million 750 00:40:01,280 --> 00:40:04,680 Speaker 1: Americans and no coverage. I can go to Mular City, 751 00:40:05,000 --> 00:40:08,360 Speaker 1: get it significantly significantly US. We have a section of 752 00:40:08,400 --> 00:40:10,360 Speaker 1: the book and a and a good good resource to 753 00:40:10,400 --> 00:40:13,040 Speaker 1: go there that helps you ask all the important questions 754 00:40:13,080 --> 00:40:17,759 Speaker 1: you should ask about an internationally based one safety records 755 00:40:17,880 --> 00:40:21,480 Speaker 1: UH with doctors, how to use it, where they're from, 756 00:40:21,560 --> 00:40:24,640 Speaker 1: all the some some great questions asked. So you want 757 00:40:24,640 --> 00:40:27,239 Speaker 1: to look at that that whole program is building the 758 00:40:27,320 --> 00:40:29,720 Speaker 1: Grand came As, the islands, all through the Caribbean stuff. 759 00:40:29,719 --> 00:40:32,040 Speaker 1: We're starting to put up organizations like that. It can 760 00:40:32,080 --> 00:40:34,760 Speaker 1: make sense for some base, some dental maybe it's moving 761 00:40:34,760 --> 00:40:38,440 Speaker 1: into knees, some orthopedic type things, and it can make 762 00:40:38,480 --> 00:40:40,800 Speaker 1: some sense and they can be a lot less expensive. 763 00:40:41,239 --> 00:40:44,480 Speaker 1: I'd also suggest you can look in your own city, 764 00:40:44,800 --> 00:40:49,440 Speaker 1: your own state, and across the country and get significant savings. 765 00:40:49,760 --> 00:40:57,800 Speaker 1: One example, looked at a knee replacement San Francisco, Phoenix. 766 00:40:59,040 --> 00:41:01,399 Speaker 1: That's a big savings that would be worth the trip. 767 00:41:03,480 --> 00:41:05,239 Speaker 1: So and you need to shop. I already gave you 768 00:41:05,239 --> 00:41:08,920 Speaker 1: an MRI example. There are different costs doctors in the 769 00:41:09,040 --> 00:41:11,480 Speaker 1: same city. You take a New York city. Doctors in 770 00:41:11,480 --> 00:41:15,960 Speaker 1: the same city will have dramatically different costs, and what's 771 00:41:16,000 --> 00:41:19,440 Speaker 1: interesting is their outcomes won't be that much different. The 772 00:41:19,520 --> 00:41:21,600 Speaker 1: key thing here is when you look at UM, you 773 00:41:21,719 --> 00:41:25,560 Speaker 1: use the transparency tools that are are starting to bloom 774 00:41:25,640 --> 00:41:28,600 Speaker 1: and and that's the key. What what happened, well none 775 00:41:28,640 --> 00:41:30,439 Speaker 1: of this happened before is we didn't We weren't paying 776 00:41:30,480 --> 00:41:33,280 Speaker 1: a lot for healthcare until Obama. We were, but Obamacare 777 00:41:33,320 --> 00:41:35,640 Speaker 1: really pushed it over the edge large ductles. So where 778 00:41:35,680 --> 00:41:38,359 Speaker 1: have the pay now now? Number two, we are all 779 00:41:38,480 --> 00:41:43,520 Speaker 1: using handheld devices And three the eggs been cracked and 780 00:41:43,520 --> 00:41:46,840 Speaker 1: there are transparency sites out there to show you cost. 781 00:41:48,120 --> 00:41:50,560 Speaker 1: And before all the sites, all they'd show you was, 782 00:41:50,920 --> 00:41:54,600 Speaker 1: you know, my doctor's offices eight to five. They're very friendly. 783 00:41:54,760 --> 00:41:57,239 Speaker 1: I like the wallpaper coloring. And I'm being I'm sorry 784 00:41:57,239 --> 00:42:00,239 Speaker 1: to be a little cynical, but it was. It was 785 00:42:00,280 --> 00:42:03,680 Speaker 1: more fluff. It's like how you've felt about your experience. 786 00:42:04,000 --> 00:42:06,719 Speaker 1: What you want to get to go understand the quality 787 00:42:07,040 --> 00:42:10,200 Speaker 1: and the outcomes is you want price and you want 788 00:42:10,239 --> 00:42:14,239 Speaker 1: the number of transactions that individual does. Because where I 789 00:42:14,280 --> 00:42:16,440 Speaker 1: was saying before, cash is king and talking to them 790 00:42:16,640 --> 00:42:18,239 Speaker 1: if you want to know if their outcomes are good 791 00:42:18,520 --> 00:42:21,279 Speaker 1: volumes king, if you find docts out there that that 792 00:42:21,320 --> 00:42:25,640 Speaker 1: are in the top percentile of people doing that procedure, 793 00:42:26,120 --> 00:42:28,120 Speaker 1: they're doing a ton of them and they're gonna be better. 794 00:42:28,560 --> 00:42:31,120 Speaker 1: So you compare costs and that and these the websites 795 00:42:31,160 --> 00:42:34,719 Speaker 1: ideas listed do some degrees of those services, and you 796 00:42:34,760 --> 00:42:36,480 Speaker 1: probably want to look at a couple of them, and 797 00:42:36,520 --> 00:42:39,360 Speaker 1: they won't their their data won't match because it's a 798 00:42:39,440 --> 00:42:43,000 Speaker 1: new arena out there getting this data. But I'd say 799 00:42:43,040 --> 00:42:44,919 Speaker 1: it's check a couple of them. They're gonna start giving 800 00:42:44,920 --> 00:42:46,799 Speaker 1: you ballparks a cost, and they're gonna start giving you 801 00:42:46,840 --> 00:42:49,560 Speaker 1: ballparks of of the person's outcome, and that's going to 802 00:42:49,640 --> 00:42:53,040 Speaker 1: give you more control and and make you feel better. 803 00:42:53,080 --> 00:42:55,640 Speaker 1: You're going to the right place. Well, Scott, this has 804 00:42:55,640 --> 00:42:57,640 Speaker 1: been just such a great conversation. I feel like I 805 00:42:57,719 --> 00:43:00,239 Speaker 1: learned a good bit about shopping for for medical procedures 806 00:43:00,320 --> 00:43:02,000 Speaker 1: and and man, just a whole lot of stuff. We 807 00:43:02,080 --> 00:43:04,160 Speaker 1: dug into a lot today on the show. So thanks 808 00:43:04,160 --> 00:43:05,840 Speaker 1: so much for joining us. And how can our listeners 809 00:43:05,880 --> 00:43:08,879 Speaker 1: find out more about you if you'll go to Uncovered 810 00:43:09,120 --> 00:43:13,560 Speaker 1: hc dot com. It's a continuation of the book because 811 00:43:13,640 --> 00:43:15,959 Speaker 1: the day I put the last period on the last 812 00:43:15,960 --> 00:43:17,879 Speaker 1: sentence of the last paragraph, it was out of date. 813 00:43:18,120 --> 00:43:20,440 Speaker 1: We have blogs. We encourage people to come and tell 814 00:43:20,440 --> 00:43:24,040 Speaker 1: their story, to tell them where they've done improved on 815 00:43:24,080 --> 00:43:25,960 Speaker 1: what we said. Because we're not the end all, I 816 00:43:26,000 --> 00:43:28,439 Speaker 1: don't know everything. What I'm trying to do is create 817 00:43:28,480 --> 00:43:31,440 Speaker 1: an environment that encourages people. It shows and gets them 818 00:43:31,520 --> 00:43:33,680 Speaker 1: started on the journey that they take it and they 819 00:43:33,760 --> 00:43:36,279 Speaker 1: run farther than I ever dreamed. And if they'll share 820 00:43:36,280 --> 00:43:39,280 Speaker 1: those stories with us, that's great. We provide some products 821 00:43:39,280 --> 00:43:42,319 Speaker 1: and services in there that like telemedicine products we didn't 822 00:43:42,320 --> 00:43:44,960 Speaker 1: even talk about. Pharmacy discount cards phenomenal. If you don't 823 00:43:45,040 --> 00:43:47,719 Speaker 1: use one, big savings even if your health health plan 824 00:43:48,080 --> 00:43:52,000 Speaker 1: cost We'll help you do that. Uh And and we 825 00:43:52,040 --> 00:43:54,759 Speaker 1: want to help people have better outcomes. So that's where 826 00:43:54,760 --> 00:43:56,880 Speaker 1: they can find me and and write me there and 827 00:43:56,920 --> 00:43:58,920 Speaker 1: I'll be happy to get back with them. Awesome, And 828 00:43:59,000 --> 00:44:00,600 Speaker 1: you a Scott will be sure to you linked to 829 00:44:00,640 --> 00:44:02,399 Speaker 1: your site there in our show notes. But yeah, thanks 830 00:44:02,440 --> 00:44:04,400 Speaker 1: again for coming on the podcast. We really appreciate you 831 00:44:04,400 --> 00:44:07,520 Speaker 1: sharing your your wealth of knowledge and experience here with 832 00:44:07,560 --> 00:44:10,480 Speaker 1: our listeners. So thanks again, my pleasure, enjoyed the having 833 00:44:10,480 --> 00:44:13,839 Speaker 1: the wine with you. Thanks Scott, Hey, Matt, that was 834 00:44:14,000 --> 00:44:16,200 Speaker 1: a really great conversation. I feel like Scott brought a 835 00:44:16,200 --> 00:44:18,359 Speaker 1: lot to the table there. There's a lot obviously that 836 00:44:18,400 --> 00:44:20,480 Speaker 1: feels opaque when it comes to the health care system, 837 00:44:20,480 --> 00:44:22,960 Speaker 1: and Scott brought a little bit of clarity to what 838 00:44:22,960 --> 00:44:25,440 Speaker 1: we're undertaking as consumers, what our job is. So, what 839 00:44:25,480 --> 00:44:28,160 Speaker 1: was your big takeaway from this conversation? Yeah, man, so 840 00:44:28,320 --> 00:44:31,120 Speaker 1: my big takeaway has to do with something that I 841 00:44:31,120 --> 00:44:34,319 Speaker 1: won't be able to take advantage of anytime soon or 842 00:44:34,640 --> 00:44:37,439 Speaker 1: hopefully not. Knock on wood. But he was talking about 843 00:44:37,440 --> 00:44:39,000 Speaker 1: when he goes talking about the different procedures and how 844 00:44:39,000 --> 00:44:41,759 Speaker 1: you can go to different states, different cities, uh, and 845 00:44:41,840 --> 00:44:46,520 Speaker 1: get the same procedure done for significantly less. Man. I 846 00:44:46,600 --> 00:44:49,600 Speaker 1: was really interested in that. I'm less prone to like 847 00:44:49,680 --> 00:44:52,120 Speaker 1: fly to Mexico and then have work done on my body. 848 00:44:52,160 --> 00:44:54,000 Speaker 1: It makes me think of that scene in Minority Report 849 00:44:54,280 --> 00:44:56,880 Speaker 1: where he's getting his eye replaced, like in the bathtub. 850 00:44:57,560 --> 00:45:00,279 Speaker 1: You know what's talking about? Yeah, you know why saying 851 00:45:00,320 --> 00:45:02,200 Speaker 1: that totally freaked me out of going to any other 852 00:45:02,200 --> 00:45:04,600 Speaker 1: country to have medical work done. But you know, to 853 00:45:04,640 --> 00:45:06,759 Speaker 1: hear him to even talk about within the US going 854 00:45:06,800 --> 00:45:09,840 Speaker 1: to different states, shopping it around that way, that is 855 00:45:09,960 --> 00:45:12,640 Speaker 1: really fascinating and not something I had ever really considered. 856 00:45:12,840 --> 00:45:15,319 Speaker 1: Hopping on a plane or making a trip. You're going 857 00:45:15,360 --> 00:45:17,640 Speaker 1: to be able to reclaim that cost easily if you're 858 00:45:17,640 --> 00:45:19,440 Speaker 1: gonna save a couple of thousand dollars if it's a 859 00:45:19,480 --> 00:45:22,160 Speaker 1: pretty large procedure. So yeah, like I said, knock on wood, 860 00:45:22,400 --> 00:45:25,440 Speaker 1: I don't have any big procedures pending, but when I do, 861 00:45:25,480 --> 00:45:28,120 Speaker 1: I'm gonna keep that in mind man. So for you, Yeah, 862 00:45:28,160 --> 00:45:30,040 Speaker 1: what was your big takeaway? WI, I'm going to Costa 863 00:45:30,120 --> 00:45:32,560 Speaker 1: Rica next next week for a couple of operations. I'm 864 00:45:32,560 --> 00:45:34,279 Speaker 1: not gonna detail them in front of you right now. 865 00:45:34,320 --> 00:45:37,399 Speaker 1: You can get some calf implants. Uh, how did you know? 866 00:45:38,000 --> 00:45:41,560 Speaker 1: I didn't? Did I telegraph that I understand your vanity? Well? Yeah, 867 00:45:41,600 --> 00:45:44,640 Speaker 1: I mean I totally am up for medical tourism and 868 00:45:44,680 --> 00:45:46,600 Speaker 1: at the same time, you might actually be able to 869 00:45:46,760 --> 00:45:47,960 Speaker 1: go to the beach for a couple of days or 870 00:45:48,000 --> 00:45:49,960 Speaker 1: something like that in a cool, cool spot, have a 871 00:45:49,960 --> 00:45:52,080 Speaker 1: good vacation at the same time save some big money. 872 00:45:52,280 --> 00:45:54,279 Speaker 1: Medical tourism is something I think we're going to see 873 00:45:54,280 --> 00:45:56,240 Speaker 1: more and more of. But I think my big takeaway 874 00:45:56,320 --> 00:45:59,080 Speaker 1: was to come prepared when you go see your doctor, because, 875 00:45:59,080 --> 00:46:01,680 Speaker 1: like Scott said, they're eight minutes. In those eight minutes, man, 876 00:46:01,800 --> 00:46:04,120 Speaker 1: the clocks ticking, and to be able to get your 877 00:46:04,120 --> 00:46:06,759 Speaker 1: point across, to be able to ask informed questions is 878 00:46:06,800 --> 00:46:09,200 Speaker 1: so crucial inside of that eight minutes. And so if 879 00:46:09,239 --> 00:46:11,160 Speaker 1: you are going to see your doctor, be prepared to 880 00:46:11,200 --> 00:46:13,719 Speaker 1: ask the right questions, to ask about costs, to ask 881 00:46:13,719 --> 00:46:15,759 Speaker 1: you about alternate procedures. I thought that was just a 882 00:46:15,760 --> 00:46:18,239 Speaker 1: really important point. So, whether that's a pen and piece 883 00:46:18,239 --> 00:46:20,399 Speaker 1: of paper, whether that's some some notes you can take 884 00:46:20,400 --> 00:46:22,600 Speaker 1: it to old school, have like a little pad exactly, 885 00:46:22,880 --> 00:46:25,400 Speaker 1: and whether that's just like a note app on your phone, 886 00:46:25,600 --> 00:46:28,000 Speaker 1: whatever it is, I would say, yeah, come prepared, have 887 00:46:28,080 --> 00:46:30,359 Speaker 1: some questions, be informed, so that you can not only 888 00:46:30,400 --> 00:46:32,440 Speaker 1: save yourself some money, but save yourself time to and 889 00:46:32,440 --> 00:46:35,799 Speaker 1: potential headache and stress bang your head against the health 890 00:46:35,840 --> 00:46:37,840 Speaker 1: care system. If you're able to be prepared and have 891 00:46:37,840 --> 00:46:40,279 Speaker 1: a great conversation with your doctor, that small bit of 892 00:46:40,280 --> 00:46:42,680 Speaker 1: preparation will save you a whole lot of hassle on 893 00:46:42,719 --> 00:46:44,680 Speaker 1: the back end. Yeah, and I bet as well you're 894 00:46:44,680 --> 00:46:46,719 Speaker 1: gonna get better care. Right Like, if you come into 895 00:46:46,719 --> 00:46:49,160 Speaker 1: that office and you've got these questions laid out, your 896 00:46:49,160 --> 00:46:50,839 Speaker 1: doctor is gonna kind of perk up. They're gonna say, 897 00:46:50,840 --> 00:46:53,080 Speaker 1: oh oh, like they know what's going on. They've got there, 898 00:46:53,080 --> 00:46:55,319 Speaker 1: they're prepared, like it's toime to do some work, you know, 899 00:46:55,480 --> 00:46:58,000 Speaker 1: versus just them kind of coming in there. Maybe it's 900 00:46:58,040 --> 00:47:00,480 Speaker 1: like an after lunch appointment, so they kind of got 901 00:47:00,520 --> 00:47:03,200 Speaker 1: the afternoon like lunch coma thing going on. They're kind 902 00:47:03,200 --> 00:47:06,400 Speaker 1: of sleepy. I mean that's me at least, But you 903 00:47:06,440 --> 00:47:08,680 Speaker 1: know if if they're on their toes, because it's like, oh, 904 00:47:08,680 --> 00:47:11,200 Speaker 1: I've got a bunch of questions to answer, Well, I 905 00:47:11,440 --> 00:47:13,799 Speaker 1: think you really will see the kind of care that 906 00:47:13,880 --> 00:47:16,840 Speaker 1: you receive improve. And that's what this entire conversation was about. 907 00:47:17,000 --> 00:47:19,440 Speaker 1: What's to not only have your cost reduced, but how 908 00:47:19,480 --> 00:47:22,480 Speaker 1: can we also get the best care possible for that money. 909 00:47:22,719 --> 00:47:25,200 Speaker 1: So I'm glad you picked one that was very practical 910 00:47:25,400 --> 00:47:27,120 Speaker 1: right now, like as in the next time you go 911 00:47:27,200 --> 00:47:29,400 Speaker 1: in to see the doctor and minds one for maybe 912 00:47:29,680 --> 00:47:32,160 Speaker 1: you know, five ten years off. But let's get to 913 00:47:32,200 --> 00:47:34,240 Speaker 1: the be real quick. On this episode, we had Juice 914 00:47:34,239 --> 00:47:36,680 Speaker 1: Willis I p a H. And this is by Wrecking 915 00:47:36,680 --> 00:47:39,279 Speaker 1: Bar Brew Pub. They've got an entire line of I 916 00:47:39,360 --> 00:47:42,080 Speaker 1: p a s. And they're all based on Bruce Willis 917 00:47:43,160 --> 00:47:45,200 Speaker 1: that they call the Juice Is the Juice Willis series, 918 00:47:45,239 --> 00:47:48,640 Speaker 1: and they're typically puns on movies that Bruce Willis has 919 00:47:48,640 --> 00:47:51,320 Speaker 1: been in but this one is just straight up juice Willis. 920 00:47:51,400 --> 00:47:53,200 Speaker 1: But uh yeah, man, what were your thoughts on this one? Yeah? 921 00:47:53,239 --> 00:47:57,600 Speaker 1: I love the naming convention craft craffers so much ingenuity 922 00:47:57,680 --> 00:48:00,359 Speaker 1: and how they come up with their names. I love 923 00:48:00,400 --> 00:48:03,279 Speaker 1: this beer. I think the folks at Wrecking Bar, it's 924 00:48:03,280 --> 00:48:05,439 Speaker 1: one of my favorite local places to get a beer. 925 00:48:05,680 --> 00:48:07,640 Speaker 1: I never get tired of their beers, and they've been 926 00:48:07,719 --> 00:48:09,799 Speaker 1: canning a little bit more lately, and so I picked 927 00:48:09,840 --> 00:48:12,200 Speaker 1: this one up on location, and dude, I really enjoyed 928 00:48:12,200 --> 00:48:14,800 Speaker 1: this one. To me, it's perfect. I p a material 929 00:48:15,239 --> 00:48:17,719 Speaker 1: it's got. It's kind of like soft and mellow, but 930 00:48:17,840 --> 00:48:20,319 Speaker 1: also got a lot of hot punch going on at 931 00:48:20,320 --> 00:48:23,040 Speaker 1: the same time. It's certainly not overwhelming when it hits 932 00:48:23,040 --> 00:48:25,040 Speaker 1: your palette. But then my tongue at least did like 933 00:48:25,080 --> 00:48:26,919 Speaker 1: a double take. It's like, well, what's going on? There's 934 00:48:26,920 --> 00:48:30,040 Speaker 1: like some deeper flavors happening that I didn't comprehend upon 935 00:48:30,160 --> 00:48:32,840 Speaker 1: first upon first sip, and so your tongue has so 936 00:48:32,880 --> 00:48:36,040 Speaker 1: many thoughts, Joel, it's got its own brain going on. 937 00:48:36,360 --> 00:48:39,040 Speaker 1: I'm with you. This is a solid New England style. 938 00:48:39,080 --> 00:48:41,239 Speaker 1: I p a. I really enjoyed it. Like you said, 939 00:48:41,239 --> 00:48:43,000 Speaker 1: it wasn't overwhelming, but it did have a little bit 940 00:48:43,000 --> 00:48:45,040 Speaker 1: of that hot punch, and to me it kind of 941 00:48:45,040 --> 00:48:48,320 Speaker 1: translated almost as like this dryness. It reminded me a 942 00:48:48,320 --> 00:48:50,680 Speaker 1: little bit of like a European Pilsener, where it kind 943 00:48:50,680 --> 00:48:53,000 Speaker 1: of has like this kind of funky rubbery note to it, 944 00:48:53,120 --> 00:48:55,520 Speaker 1: like a fresh can of tennis balls being cracked open, 945 00:48:55,640 --> 00:48:57,680 Speaker 1: or like fresh garden hose. You know that. You know 946 00:48:57,800 --> 00:48:59,919 Speaker 1: when I'm talking about like that kind of fresh rubbery smell. 947 00:49:00,640 --> 00:49:02,840 Speaker 1: My tongue's got a brain. Your tongue's got it's got 948 00:49:02,880 --> 00:49:05,839 Speaker 1: a brain, too odd descriptors. All that being said, though, 949 00:49:06,000 --> 00:49:07,959 Speaker 1: I think Wrecking Bar they're making some of the best 950 00:49:08,080 --> 00:49:10,319 Speaker 1: beers in the city of Atlanta, So if you're ever 951 00:49:10,400 --> 00:49:13,160 Speaker 1: in Atlanta, hit up Wrecking Bar. They're just a few 952 00:49:13,160 --> 00:49:15,640 Speaker 1: miles from where we live, so we frequent there a lots. 953 00:49:15,960 --> 00:49:17,920 Speaker 1: And this definitely won't be the last beer that we 954 00:49:17,960 --> 00:49:20,239 Speaker 1: have by Wrecking Bar on the show. Heck no, not 955 00:49:20,320 --> 00:49:23,200 Speaker 1: unless I die in a freak automobile accident, which isn't 956 00:49:23,440 --> 00:49:26,640 Speaker 1: a healthcare coverage, that's a life insurance exactly, So we'll 957 00:49:26,640 --> 00:49:29,080 Speaker 1: get to that next time, exactly, all right, well, Matt, 958 00:49:29,200 --> 00:49:30,920 Speaker 1: that's gonna do it for this episode. For folks that 959 00:49:31,000 --> 00:49:33,560 Speaker 1: want more information about Scott and for some of the 960 00:49:33,600 --> 00:49:35,560 Speaker 1: links to some of the things that we talked about 961 00:49:35,600 --> 00:49:37,560 Speaker 1: on the show today, just go to our website how 962 00:49:37,600 --> 00:49:39,560 Speaker 1: to money dot com. All right, man, Well, that's gonna 963 00:49:39,560 --> 00:49:42,160 Speaker 1: be it until next time, Joel. Best Friends Out, Best 964 00:49:42,160 --> 00:49:42,680 Speaker 1: Friends Out,