00;00;00;12 - 00;00;03;09 Cary Hall Ladies and gentlemen. 00;00;03;11 - 00;00;06;13 Announcer This is America's Healthcare Advocate. 00;00;06;16 - 00;00;09;11 Cary Hall Broadcasting coast to coast across the USA. 00;00;09;14 - 00;00;16;20 Announcer Your Guide to Protecting Your Personal Health. Bringing you simplified answers to the complex questions surrounding health care. 00;00;16;22 - 00;00;19;14 Cary Hall Everything from cancer to liver transplants. 00;00;19;17 - 00;00;21;21 Announcer Nutrition and exercise. 00;00;21;22 - 00;00;24;13 Cary Hall My yoga and Pilates instructor Dana Goodale. 00;00;24;13 - 00;00;26;21 Announcer Mental Health and even Pet Care. 00;00;26;24 - 00;00;28;26 Cary Hall Dr. Wayne Hunt. Housing Westwood Animal Hospital. 00;00;28;26 - 00;00;32;14 Announcer Empowering you to take control of your health and wellness. 00;00;32;15 - 00;00;38;15 Cary Hall My very special guest today, Grace Marie Turner, president of the Galen Institute. Welcome back. For its money. 00;00;38;18 - 00;00;46;04 Speaker 3 It's a pleasure to be with you. And I do have to say you are the most knowledgeable about health policy, just superlative. 00;00;46;07 - 00;00;50;15 Cary Hall And now, ladies and gentlemen, gentlemen, gentlemen. 00;00;50;17 - 00;00;54;17 Announcer And now, America's Healthcare Advocate, Cary Hall. 00;00;54;19 - 00;01;22;08 Cary Hall Hello, America. Welcome to America's Healthcare Advocate Show Broadcasting. Coast to coast, across the USA. Here on the HIA Radio Network. We're 222 affiliate Strong, and we happen to be in our 222nd affiliate here in Omaha, Nebraska, KFAB AM 1110AM. We're very happy to be here in Cornhusker Country and part of the broadcast team here at KFAB, So we're broadcasting here across Nebraska and Iowa, actually, but we're very happy to be here. 00;01;22;08 - 00;01;40;25 Cary Hall I want to thank the folks here at KFAB for getting us on the air and letting us do our show here on their station. If you want to learn more about us, you can do that by going to the website, America's Healthcare Advocate dot com, America's Healthcare Advocate dot com. Also, all of these shows are posted on 14 podcast platforms. 00;01;40;26 - 00;02;00;18 Cary Hall I'll go through those later on in the show so you know which ones they are, but they're all out there. We post every show on a podcast platform and they're posted on YouTube. And by the way, our latest number on YouTube for views is 257,000 of you have clicked on and watched all or some of one of our broadcasts now. 00;02;00;18 - 00;02;27;00 Cary Hall And it's interesting to know because today we are going to be talking about a very unique plan that is for folks that are basically 1099 or we like all gig employees. And this is a show where, you know, if it's a husband and wife and you guys all have a small company and the two of you run it, health insurance, they'd be difficult for you if you're a contractor, if you're a Lift driver or Uber driver, this is the kind of broadcast you're going to want to make sure you listen to. 00;02;27;00 - 00;02;44;28 Cary Hall And if you have a partner or somebody you want to tell about it, remember, it's up there on the podcast platform, also on YouTube. So in studio with me, Richard Haldeman, CEO of Detago Health, Detego Health are the folks that have brought this plan to the forefront. So, Rich, why don't we just start out by the name of the plan is GigCare. 00;02;44;29 - 00;02;48;13 Cary Hall Yeah. So let's just talk about why do we name a GigCare. 00;02;48;16 - 00;03;07;26 Richard Haldeman Well, I mean, it's the gig economy. So if you think about what we were trying to solve for at Detego Health and we were a company, we're a third party administrator, many of you may know what that is, some won’t. But we were a company that really wanted to develop products to address the needs of the market as opposed to just administering somebody else's plans. 00;03;07;28 - 00;03;36;10 Richard Haldeman So we noticed right away two things. One is cost related to plan, meaning small employers as individual gig economy workers couldn't afford to have a plan that they could work with and there was really no products out there that addressed directly that segment of the market. So, you know, the largest segment of our market is the self-employed individual. 00;03;36;10 - 00;03;40;22 Richard Haldeman So whether you're a computer programmer, web design web designer. 00;03;40;25 - 00;03;41;21 Cary Hall That Uber driver. 00;03;41;28 - 00;03;57;27 Richard Haldeman An Uber driver or if you have an Amazon delivery truck, one of the major concerns we heard from the market and everything we do is based on what we hear from the market is that there wasn't anything out there a decent plan for them. 00;03;58;03 - 00;04;16;01 Cary Hall So this plan was developed GigCare? Yup. Okay. And it is on the Population Science Management platform. Yep. But let's talk a little bit about the plan and how all of that came together. There were a lot of starts and stops and changes and things that had to be done to pull all this together. Let's talk a little bit about that. 00;04;16;02 - 00;04;47;16 Richard Haldeman Well, there was a lot of experimentation and part of what we saw in this learning curve was that we needed a way to understand how people behave as consumers of health care. Right. So part of it and that's and that's where population science management was born, because all the things you do in your daily life as it relates to health care and also just your general consumption in terms of what you eat, where do you eat, what you eat, where do you eat, how do you eat? 00;04;47;17 - 00;05;10;03 Richard Haldeman What do you do with the information that you get from your doctors? Do you do anything? What wellness activities do participate in? All of that data is super valuable in terms of understanding how to control cost and provide an abundant amount of access for the people that are part of Population Science Management. 00;05;10;05 - 00;05;11;16 Cary Hall And that's what this does. 00;05;11;16 - 00;05;26;04 Richard Haldeman Yeah, it's inception is really started with the notion that we think we can better understand how people consume health care and translate that into a plan that people can afford. 00;05;26;06 - 00;05;45;14 Cary Hall And really that's one of the key elements here. We'll talk about the affordability of it later on in the show. But one of the things I want to make you aware of is this is an alternative. It is affordable. It's something that will work for you. You know, if you're a contractor, let's say you're an E.R. contract nurse or you're an E.R. contract doctor and you don't have health insurance. 00;05;45;22 - 00;06;01;27 Cary Hall This is the kind of plan that can make a significant difference. And it's a plan that works. The plan is called GigCare, obviously, because we named it after the folks that it actually helps and the folks we're going to provide health insurance for. So let's talk a little bit about this working owner model, because that's what we call this. 00;06;01;29 - 00;06;10;02 Cary Hall Now. People out there, you're not going to have to go to work for it. I just want to make that clear. But it's called the working owner model. Tell a little bit about how we got to the working owner model. 00;06;10;05 - 00;06;49;20 Richard Haldeman Well, you know, there was a structure we had to adhere to to make sure that it had all the regulatory compliance that was, you know, necessary to deliver this plan. And part of that is, is to really satisfy two objectives. One is to be able to offer a group style plan that you would get if you were, for example, a W-2 employee at a large employer and at the same time have a status in Population Science that allows you to provide data about how you live your life with regard to wellness, with regard to consumer activities, and put those two things together so you you could become essentially a working owner. 00;06;49;22 - 00;06;55;16 Richard Haldeman So the working part is collecting short survey information that is pushed out through an application. 00;06;55;16 - 00;07;09;18 Cary Hall So is it going to take a lot of time from people I know sit down every week and go fill out a bunch of forms? I want to make sure everybody understands it's okay. This is very easy, simple to do, but it allows us to actually pay you. 00;07;09;19 - 00;07;10;05 Richard Haldeman That's right. 00;07;10;07 - 00;07;16;25 Cary Hall We'll talk about that. You're going to get paid for health insurance. When was the last time you heard that? Probably not. 00;07;16;27 - 00;07;35;11 Richard Haldeman It's a crazy concept. It is. And what happens is, let's just say for example, you go and have an interaction with a doctor from a wellness visit. We may push a set of questions to you about your wellness visit very short because we know people don't have a lot of time. I can tell you self-employed people don't have a lot of time. 00;07;35;15 - 00;07;36;04 Cary Hall No, they're working, 00;07;36;04 - 00;07;45;15 Richard Haldeman they're working, and they spend five or 6 minutes answering a series of questions that comes back to us and it gets appended to data. We do not sell the data. 00;07;45;18 - 00;07;55;21 Cary Hall But this is important to understand. This isn't going out on a Google search or YouTube search. That's not how this. And so talk about that. We we need to understand that part of it. 00;07;55;21 - 00;08;37;08 Richard Haldeman We are incredibly serious about data, right? So everything is encrypted. The data doesn't leave our servers. The what we use it for, though, is to answer questions about or for information about how people consume health care. It's not actually pushed to anyone. So lets just say you were doing research on disparities in health care. We may get a set of questions and that set of questions would be worked on by our data and, you know, our data people, they would push that out to a set of people based on gender, age, demographic, that kind of stuff. 00;08;37;10 - 00;08;45;17 Richard Haldeman And then we collect that information and it gets de-identified to better answer those questions and then you get pushed payment. 00;08;45;20 - 00;08;46;04 Cary Hall Yes. 00;08;46;04 - 00;08;47;12 Richard Haldeman At the end of it. Yeah. 00;08;47;17 - 00;08;54;15 Cary Hall But we actually pay you to participate. That is how it becomes a working owner model that is. 00;08;54;21 - 00;08;55;26 Richard Haldeman That's exactly correct. 00;08;55;26 - 00;09;17;17 Cary Hall Yeah. That that the key takeaway here is that you do these short surveys and then we pay you we being Detego, GigCare, pay you, Population Science Management; for the data that you provided that allows you to become a working owner. But here's the interesting question before we go to break here. In about a minute, we're gathering this information. 00;09;17;17 - 00;09;38;23 Cary Hall So let's say we have 500 people that have asthma and they all answer these questions. So we identify, you know, there's a there's something going on here with every one of these people that has asthma. If they're around a cat or they're this or they're that, we just found out that that triggers the asthma that causes the problem. How do we take that back and turn that back into something that helps them with their health insurance? 00;09;38;23 - 00;09;40;01 Cary Hall We've got about 45 seconds. 00;09;40;02 - 00;10;08;18 Richard Haldeman Yeah. So basically, if we find out. So part of this is to your to your example about asthma. Part of this is gathering up predictive analytics. So can we take the take information from a large group of people and and say these people need this intervention to avoid high cost down the road. So that's essentially another aspect of how we use this information to benefit the ultimate person, which is the consumer of this product. 00;10;08;20 - 00;10;27;01 Cary Hall And when we come back from the break. I'm going to get into that a little deeper, give you some more examples of how we actually take that provide better coverage and help people control these issues. Chronic disease issues, diabetes, heart, other issues. We're going to deal with, blood pressure. We take all of that data and are able to turn that back around. 00;10;27;05 - 00;10;50;06 Cary Hall What and what that does over a period of time, is in continues to lower the cost of the health insurance, and that's really what we're all about. The website is gigcare.net, gigcare.net. The phone number 866 200 2513, 866 200 2513. Go up on the website take a look at it, you might find it very interesting or give one of our folks a call they'll be happy to chat with you. 00;10;50;11 - 00;11;08;05 Cary Hall You're listening to America's Healthcare Advocate broadcasting here on the HIA Radio Network coast to coast across the USA. Don't go anywhere. We've got more. 00;11;08;07 - 00;11;41;03 Cary Hall Welcome back. You're listening to America's Healthcare Advocate show broadcasting coast to coast across the USA. Here on the HIA Radio Network, we are broadcasting from Omaha, Nebraska today on KFAB, very happy to be here. Additionally, If you want information, as I said, you can always go to the Web site. America's Healthcare Advocate dot com. All these shows are posted up there. If you're intrigued about what you're hearing here about how this works, GigCare dot net is the Web site, gigcare.net. We want to learn more about plan go up on the Web site you can take a look at the website will come up Population Science Management. 00;11;41;08 - 00;12;03;05 Cary Hall You'll see GigCare on there and it lays out the plan, designs and what we get to offer, how this all works. Also, if you want to call somebody as a conversation 866 20 2513, 866 200 2513. Also, brokers and agents out there listening, if you're interested in this up and you want to take out to your clients, go ahead and give us a call. 00;12;03;10 - 00;12;21;13 Cary Hall We'll be happy to tell you how you can enroll and become a broker who sells this product, takes it out to their clients to help them with what there’re doing. My producer behind the microphone, Mr. Matt Case, our producer behind the camera, getting ready to do all the podcast, YouTube. Mr. Dave Thiessen and I am your host, Cary Hall. All right. Let's go back a little bit to this. 00;12;21;15 - 00;12;55;12 Cary Hall There's there's a there's a line on the website that's pretty interesting that I read, but I was doing the show prep for this that is reducing out-of-pocket health care costs by focusing on health promotion and preventing right there. That's a short sentence, but it says a lot. Okay. One of the biggest complaints people have is, oh, well I can go out and buy this ACA plan or I can go out and buy this little premium plan, but I got $13,000 I'm responsible for if I have a major medical event or something happens and this like, why am I buying this? 00;12;55;14 - 00;13;00;04 Cary Hall Because the value of it diminishes radically. 00;13;00;09 - 00;13;22;07 Richard Haldeman And if you don't get a subsidy, you're really feeling the financial pressure because you really have no coverage until you hit a certain amount. And what we've seen in the exchanges, as we've looked at this, it's part of what we're trying to do is build a plan that that actually serves consumers. Avoiding health care creates more health care costs. 00;13;22;14 - 00;13;23;29 Cary Hall Yes. Yes, absolutely. 00;13;23;29 - 00;13;46;26 Richard Haldeman So just to say, I wanted to go back just for a minute, Cary, if I may. Population Science wasn't created to create a health plan. We we created a health plan to inform Population Science because our goal is to pull the thread that helps us understand how to lower cost of health care and make people happier and healthier. 00;13;46;28 - 00;13;47;25 Cary Hall And that's key. 00;13;48;00 - 00;13;48;28 Richard Haldeman Yeah. 00;13;49;00 - 00;14;04;18 Cary Hall So let's go back to that again. Avoiding the doctor, avoiding care drives up the cost of care. 88 million people in this country don't have a primary care doctor and a lot of the reasons for that is they don't want to pay for it. They don't have a health care plan. They can't afford to do an ACA because they don't get a subsidy. 00;14;04;21 - 00;14;22;23 Cary Hall They don't qualify for a group. And if they do, the group cost is significantly higher than what they can afford. Yes, what we've done here is create an answer to that problem that there's an answer now and that is GigCare. That's an answer for everyone out there that is part of this gig economy that is looking for an affordable health insurance plan. 00;14;23;03 - 00;14;38;14 Cary Hall and we'll talk about premiums and all of that a little later in the show. But I think you're going to be surprised if you go up on the website, you'll see the information up there. I think you'll be surprised by the way this was designed. You just heard Rich say this is being designed specifically to answer a need in this marketplace. 00;14;38;18 - 00;14;41;05 Cary Hall That’s not being answered. And that's the whole purpose behind it. 00;14;41;05 - 00;14;49;04 Richard Haldeman and to really use the information from those people that have been left behind by the health care structure. 00;14;49;06 - 00;14;50;19 Cary Hall And there are a lot of those people. 00;14;50;23 - 00;15;04;22 Richard Haldeman To drive the full circle of like understanding wellness, understanding health care, and driving that information back into our plans and ultimately driving to a better place for consumers ultimately. 00;15;04;24 - 00;15;19;23 Cary Hall And again, here's the take. I talked about that 88 million people don't have a primary care doctor. Well, if you don't have a plan and you can't pay out of pocket, how are you doing that? The idea here is to give them something affordable. Now you have access to a primary care plan. Let me just address that really quick. 00;15;19;23 - 00;15;44;06 Cary Hall So I want you to this is really interesting. You know, this is a self-funded benefit plan that is jointly administered by Detego and Blue Cross Blue Shield of Nebraska. Members have access to all the providers in the Blue Cross PPO network, the largest PPO network in Nebraska. So if you're wondering, well, how were they going to have doctors, I can go to, but they're going to help the Catholic hospital system in there. 00;15;44;10 - 00;15;53;13 Cary Hall Are they are they going to have access throughout Nebraska? The answer is yes, because we've partnered with Blue Cross and Blue Shield of Nebraska to have that access. 00;15;53;13 - 00;16;00;27 Richard Haldeman Cary, you get on a really and given the fact that we're in the Midwest today, we're on the border of Nebraska, Iowa, Iowa. 00;16;00;27 - 00;16;01;20 Cary Hall Right across the bridge. 00;16;01;20 - 00;16;22;25 Richard Haldeman Right across the bridge. So one of the things that we learned early on when we were experimenting with this and you know, I've been on your show before the what we found is that in rural communities, there was a real dearth of access to care. So we developed a company called you know, My Live Doc, and we built it into our plan. 00;16;22;25 - 00;16;31;16 Richard Haldeman So if you can imagine being out on a farm or being in the Midwest somewhere where you don't have access to care, you're not near a large metropolitan. 00;16;31;16 - 00;16;37;12 Cary Hall Plant right down the street to the urgent care, correct? Know where I live? In over a park. There must be ten urging cares within five miles of my house. 00;16;37;12 - 00;16;39;18 Richard Haldeman Yes, that means you, I. I live in Fort Worth and. 00;16;39;18 - 00;16;44;09 Cary Hall Yeah, that doesn't happen when you're in Grand Island, Right? Okay. Well, one of the other outlying communities. 00;16;44;09 - 00;16;55;29 Richard Haldeman So our members can go to mylivedoc and they can go online and schedule an appointment and keep the same doctor over and over again. And it's called virtual primary care. 00;16;56;04 - 00;16;57;04 Cary Hall How do you like that? 00;16;57;06 - 00;16;58;00 Richard Haldeman No co-pays. 00;16;58;00 - 00;17;02;26 Cary Hall You're not no co-pay and you don't have to leave the house. Ok, you could do it in your pajamas. 00;17;02;28 - 00;17;20;12 Richard Haldeman I mean, valuable data, though, for us, of course. And it's very helpful to our members that are working owners. So you can go on there. You can you can also use it for urgent care. So if you don't want to wait for the next available appointment, which there's an interactive scheduling tool so you can pick your doctor, you can read their background, you can really? 00;17;20;12 - 00;17;44;29 Richard Haldeman Yep. You can put a visit on the calendar and then they will show up for a virtual visit either by telephone or by, you know, through Zoom or whatever the case may be. So that's one option. Included in the platform is because one of the things we've learned in studying consumer behavior in health care is that people avoid getting medicines when they're not affordable. 00;17;45;05 - 00;17;45;23 Cary Hall Yep. 00;17;45;26 - 00;17;52;04 Richard Haldeman So we've included 70 of the most commonly prescribed medications for free. 00;17;52;06 - 00;17;54;01 Cary Hall Yeah, right. You want to run that by me again. Yeah. 00;17;54;03 - 00;18;04;11 Richard Haldeman 70 of the most commonly prescribed medications in an urgent care situation for free. So and you can pick them up at CVS. 00;18;04;13 - 00;18;05;17 Cary Hall Or whatever pharmacy. 00;18;05;17 - 00;18;06;07 Richard Haldeman Whatever you use. 00;18;06;07 - 00;18;26;05 Cary Hall Yeah right. So Johnny has pinkeye. It's 3:00 on a Saturday afternoon and you can either drive an hour to get to your urgent care if you're out in the rural community or even if you're here in Omaha or one of the or Lincoln or whatever the case may be, go up on this website, get an appointment. The doctor prescribed the medication and you get it for free. 00;18;26;07 - 00;18;34;22 Richard Haldeman It's free because what we don't want to do is create barriers to access that therefore create higher costs down the road. 00;18;34;24 - 00;18;54;16 Cary Hall Name another plan out there that does that. That's what I would challenge you, that the whole idea behind this product is it's very, very different. Okay, It is. It's not for everybody. Okay? It addresses a very specific concern in the marketplace. And this this piece, these two pieces that you just heard, number one, the virtual care. 00;18;54;16 - 00;19;14;15 Cary Hall So you can get online, know that if you're chronologically challenged, you don't want to do Zoom. You can do it on the phone. That's right. Pointing at me when it says okay, you know and or and the other thing is these prescription meds, 70 of them, maybe a marxist bell. And whatever's on there, they're commonly prescribed for an ailment people have on a regular basis. 00;19;14;19 - 00;19;16;19 Cary Hall You're not going to think. 00;19;16;21 - 00;19;24;17 Richard Haldeman Yeah, I hope I have half of your energy when I'm your age of 150 years old. Cary, He's a dynamo, honestly. We'll see. 00;19;24;21 - 00;19;27;21 Cary Hall I was also this morning at 545, you know. 00;19;27;21 - 00;19;28;18 Richard Haldeman And I was dreaming. 00;19;28;18 - 00;19;29;19 Cary Hall About you. You were. 00;19;29;19 - 00;19;30;03 Richard Haldeman at 545. 00;19;30;08 - 00;20;07;01 Cary Hall You were joking about your omelet, that you were going to have when we got downstairs at the hotel. yes, I was. Yeah. Yeah. So, so so go back to that because that's really interesting. I mean, people are listening to this are probably going Are they for real? It's for real. Yeah. We're for real. It's for real. It is for real. And it's not totally altruistic on our part that we're giving you these medications free the idea is that it doesn't morph into something much more difficult where you wind up in an E.R. and now we've got a 15, 20, $30,000 claim that could have been solved with a virtual doctor visit and two prescriptions it could have gotten for free. 00;20;07;05 - 00;20;25;17 Richard Haldeman Well, let's go a little deeper into that. Yeah, for a minute. So when we started, we went to an outsourced telemedicine company. I won't say their name because I'm not picking on anybody. The that we looked at our data and found that people had to do too much work to get enrolled, so they avoided it. 00;20;25;17 - 00;20;45;26 Cary Hall And that's exactly what happens. We come back from the break. We'll talk more about this. You're listing the America's Healthcare Advocate broadcasting here on the HIA Radio Network coast to coast across the USA. 00;20;45;29 - 00;20;53;05 Cary Hall Welcome back. You're listening to America's Healthcare Advocate show, broadcasting coast to coast across the USA, here on the HIA Radio Network. 00;20;53;05 - 00;21;21;04 Cary Hall You know, I mentioned those podcast platforms. I'm going to go through them now. You know which ones they are we’re on Amazon Music, Audacy, Overcast, Pandora, RSS Podcast Feed, Stitcher, Spotify, TuneIn Podcast, SoundCloud, Spreaker, Rumble, Pocketcast, Google and Apple Podcasts. And now we're on iHeart podcast because KFAB is an iHeart station and now there are 15 podcast platforms that host the show and YouTube. 00;21;21;04 - 00;21;39;27 Cary Hall So again, you're listening to this. Maybe, you know, you've got your contract and you've got two guys working for you guys can't afford a group health insurance plan. This this can work. Okay. You want to tell them about it, have them go up and get the show off the podcast or do it on YouTube. Same thing, maybe your husband and you run a business. 00;21;39;29 - 00;22;03;08 Cary Hall He's out doing whatever he does. You're listening to this. He can go up and listen to this and you guys can make a decision about is GigCare the right plan for us and is it going to work and how do you find that out? You go to the Web site gigcare.net, gigcare.net, 866 200 2513 is the phone number Our folks just anybody take your calls 866 200 2513. 00;22;03;13 - 00;22;25;01 Cary Hall I'll be happy to chat with you. Get your information and see if we can help you. And by the way, once again, brokers, agents out there across Nebraska, Iowa. You're listing this. You want to do this? You can do it. All you have to do is pick up the phone call. We'll be happy to help you. And by the way, your Blue Cross network that we have access to is the entire Blue Cross network. 00;22;25;01 - 00;22;33;05 Cary Hall But if you're in Iowa, you still have access to this in the Blue Cross network. Okay. So let's kind of go back to this. Yep. Again. 00;22;33;07 - 00;23;02;02 Richard Haldeman So this was a learning moment, right? Right, right. And so everything from day one has been an eye opening kind of experience and how people consume health care. So we looked at our population over the course of a year and a half or maybe was two years, and we found out that less than a quarter, almost just under a half a percent, maybe just a little less than right around a quarter percent of our entire population was using telehealth and we wanted to understand why. 00;23;02;02 - 00;23;24;02 Richard Haldeman So we went through the process of asking questions why. And what we found out was that members don't want to have to go through the steps needed to get enrolled. So the platform we had, you had to first of all, in order to log in, you had to be lucky enough to make sure that the enrollment data that the telehealth platform had matched whatever you were putting in. 00;23;24;07 - 00;23;33;20 Cary Hall So immediately I'd have a lot of fun with that. Yeah, You mentioned absolutely love getting out and entering into these portals data before I can get access. 00;23;33;23 - 00;24;03;04 Richard Haldeman I don't immediately people were put off. We found out by the fact that they had to make a phone call. Too much time, too much time to complicated. Once you were in the wait, time to get to a clinician was too long. There was no way to. It was very difficult scheduling. So we looked at all. We looked at that value chain of what happens from the time you start to log into telemedicine to when you actually get the service you need. 00;24;03;04 - 00;24;28;17 Richard Haldeman And it was just too much work. And in fact, before you could even see a clinician, we found out you had to fill out a whole myriad of forms online to gather all the information they need to actually treat you, which is fine, right? But you're not. Even if you're really sick, you're not. If you're urgently sick, you need, for example, pinkeye or you have bronchitis or whatever the. 00;24;28;17 - 00;24;32;04 Cary Hall Case, which which can morph into pneumonia. 00;24;32;07 - 00;24;53;12 Richard Haldeman It's important that there's no barriers to entry. So what we did was we redesigned that working with a partner who is phenomenal and we took down all those barriers. So with our plan, when you get enrolled in the plan, you get an email, you click on the email, you fill out your name and give yourself a password. That's it. 00;24;53;14 - 00;25;17;27 Richard Haldeman You don't need to do any like, you know, have you had any of these 47 things in the past? You don't do any of that. Yeah. The seven sets of forms that have all the same information when you go into a doctor's office. Yeah, that's all removed. You can go into an interface, you can select your doctor, look at the profile, you can schedule a primary care visit, or you can schedule an urgent care visit. 00;25;18;01 - 00;25;28;19 Richard Haldeman In other words, you're not going to wait for primary care the next available appointment, but you're going to go right away to the next available doctor because you just you need somebody examining you. What they do is they collect all the information when they're working with you. 00;25;28;26 - 00;25;45;24 Cary Hall Right, which is the way to do it, which is the way that's the quote that the clinician let them ask the questions and then well, is it is this you don't need to ask about blood pressure if you're dealing with something. It doesn't have that that doesn't connect as an issue. Ask about the things so the doctor understands what needs to be asked. 00;25;45;27 - 00;25;49;02 Cary Hall Correct. You're not doing a sheaf of forms just to fill out 15. 00;25;49;02 - 00;25;49;19 Richard Haldeman Exactly. 00;25;49;19 - 00;25;50;17 Cary Hall General. 00;25;50;19 - 00;25;54;01 Richard Haldeman People don't want to deal with it. No. And so what we did is took it away. 00;25;54;03 - 00;25;54;23 Cary Hall And and so. 00;25;54;23 - 00;26;12;03 Richard Haldeman Now and so now you're getting treated for the condition in a timely way. You're getting the medication that you need. And in most likely scenario, it's free if it's if it's on our formulary. And that's much better for health outcomes. 00;26;12;06 - 00;26;34;23 Cary Hall And the cost of the visit is zero. There you go. So zero for the visit. And if it's one of the 70 medication that Rich is referring to it, zero for the meds. it doesn't get a lot better than that. You're starting to get this in terms of this is really different that it was designed specifically to be different because it services again a part of this economy. 00;26;34;23 - 00;26;49;16 Cary Hall People that the are self-employed is the gig economy people this services, those folks that really at this point haven’t had access to the kind of health insurance, health care program that they could afford and it would make sense for them. And that's what we do with this. 00;26;49;19 - 00;26;57;03 Richard Haldeman It's exactly what we do with it. And we were just fed up with the stories we're hearing about this segment of the economy. 00;26;57;05 - 00;26;58;03 Cary Hall Yeah. 00;26;58;05 - 00;27;08;14 Richard Haldeman And in fact, the reason we stumbled into it is I own a couple of franchises and the franchisor came to me because I worked on this health system. I remember this. I think we talked, we had the story. 00;27;08;18 - 00;27;09;05 Cary Hall I yeah. 00;27;09;11 - 00;27;29;11 Richard Haldeman And they said, we don't have any solutions for our franchisees in terms of health care. Nothing's affordable. And so that was sort of the nidus of it all. And then of course, we brought in some of the most talented people that we work with today, partners in this whole endeavor, and they're all mission driven people. It's a fun place to work. 00;27;29;11 - 00;27;44;12 Richard Haldeman We we actually the the number one thing we learned in doing the research leading up to what we have today was that coordination of care is key. So being able to talk to a live person that you can understand, they help you find. 00;27;44;12 - 00;27;46;20 Cary Hall That's kind of that's kind of important. Okay. 00;27;46;23 - 00;28;04;12 Richard Haldeman Yep. They that can converse with you and figure out how to traverse. I call it traversing the health care paradigm is key and having a person that cares about making sure you get what you need was at the center too, of creating a great product. 00;28;04;12 - 00;28;14;15 Cary Hall And I want to go back to something you said. I want people to be able to hear this. You go up and you look at these doctor profiles and you pick one. You get to use that same doctor over. Yes. 00;28;14;15 - 00;28;19;08 Richard Haldeman You don't have to start over every time. How important. Which is also a barrier. 00;28;19;10 - 00;28;20;00 Cary Hall Yeah. 00;28;20;03 - 00;28;23;02 Richard Haldeman For people like, I have to explain to you everything. 00;28;23;04 - 00;28;25;27 Cary Hall I just to Dr. Smith. Yeah. So, you know. 00;28;25;27 - 00;28;27;04 Richard Haldeman Months ago. 00;28;27;07 - 00;28;33;07 Cary Hall You had bronchitis, they give you prednisone, they give you the cough pills, whatever the case may be. And then. 00;28;33;09 - 00;28;34;17 Richard Haldeman I'm not sure there's a cough pill. 00;28;34;21 - 00;28;51;29 Cary Hall There is a cough pill. There's a cough pill? Taking cough. Okay, listen to me. Theres, I'll get the thing out of the package. It’s high tech. Yeah. They give you a little cough pills, etc. but 5 days from now they tell you if this isn’t working. You’re going to have to come back to us. You're going to have to go back and go through this whole thing with a different doctor, with your prescriptions, and everything. 00;28;51;29 - 00;29;07;09 Cary Hall It's not working, Doctor. Yeah. I'm not getting any better doctor says you know what? I think this might be morphing into pneumonia or it's a more viral situation. We're going to give you an antibiotic. We're going to give you amoxicillin or whatever it turns out to be. You're dealing with the same provider all the way through. 00;29;07;13 - 00;29;30;24 Richard Haldeman There's a parallel example to this. We can talk about it if we have time on this, we do. So the parallel example we found out is that if you go if your doctor prescribes a complex imaging like an MRI or CAT scan, we found out there was a percentage of people that never followed through simply because it wasn't affordable. 00;29;30;27 - 00;29;37;02 Richard Haldeman And by not following through, you end up down the road potentially with something that is serious. 00;29;37;05 - 00;29;37;22 Cary Hall Yeah. 00;29;37;24 - 00;29;54;16 Richard Haldeman Right. So in our plans, we use a national network of imaging centers and if you use one of ours and you're on one of the deductible plans, there's no co-insurance. It's free. 00;29;54;19 - 00;30;14;17 Cary Hall Did you hear that? Again, this is radically different than what's out in the marketplace now. And this is the kind of innovative thinking that pulled this thing together and allowed the folks at Detego and Population Science Management that just put all this together, put a plan together that's going to make sense for you and makes sense for people out there. 00;30;14;17 - 00;30;39;00 Cary Hall They're in this gig economy because we've been trying to figure out how they're going to get health insurance and pay for it so that their family has health care. Now, I’m going to go through this network thing again because I want you understand, you know, this this is self-funded benefit plan that is jointly administered by Detego and Blue Cross and Blue Shield of Nebraska. Members have access to all the providers in the Blue Cross and Blue Shield, the largest PPO network. 00;30;39;07 - 00;31;05;00 Cary Hall Well, there you have it. I know you're understanding plan designs here a little bit. We're talking about the network. We're talking about some of the unique features of this plan, it is unique if you want to learn more about it, the website is gigcare.net, gigcare.net. Go up to website all this stuff is up there. You can go up there and look at it, explore it, etc. If you just want to talk to somebody, call 866 200 2513. Our folks will be standing by. 00;31;05;06 - 00;31;22;15 Cary Hall You get your information and help you with it. And if you're a broker. Before we go to break, Steve Tucker. When we come back, we're going to talk about Steve Tucker the guy who will help you. If you're a broker. You have an agency. Maybe you're that FMO whatever the case may be. We're going to tell you how you can access this, the things we can do with it to help you. 00;31;22;16 - 00;31;37;18 Cary Hall If you want to take this out to your customers. You're listening to America's Healthcare Advocate broadcasting here on the HIA Radio Network. Coast to coast across the U.S.A. Don't go anywhere. We’ve got a lot more. 00;31;37;20 - 00;31;57;01 Cary Hall Welcome back. You're listening to America's Healthcare Advocate show, broadcasting coast to coast across the U.S.A. here on the HIA Radio Network. No, you listen to this. You're intrigued. It's interesting. Podcast, all 15 platforms, YouTube, it's all up there. You can go back and listen to it again, sell your business partner about it, Tell your spouse about it. Maybe you've got a friend. 00;31;57;01 - 00;32;22;09 Cary Hall Whatever the case may be, it's up there. You go back and listen on the podcast platforms or on YouTube. Also, if you just want to talk to somebody, give us a call at 866 200 2513. I want to point something out. This isn't one of these situations where you're going to call somebody like these Medicare commercials that you see up there with the celebrity doing them and Joe Namath and the rest, and you going to get some high pressure sales tactic. 00;32;22;12 - 00;32;40;26 Cary Hall That's not how this works. If the plan is right for you, we will give you the information and you make the decision. If you're interested, and you want to do it, we’ll get you through the application process and go from there. If you just want to explore it, go to the website, GigCare dot net, everything is up there. You can go look at everything that I've said about the plan. 00;32;40;26 - 00;33;03;26 Cary Hall Everything Rich has said about the plan right here on the show: gigcare.net. If you want to do that, feel free to do it by producer behind the microphone, Matt Case, the man behind the pictures is Dave Thiessen, as we videotape this to put it up on all of our podcasts, platforms and remember, with GigCare, you can earn money for being you. Because this is the working owner model. 00;33;03;28 - 00;33;08;17 Cary Hall All right. So let's give a shout out to start with Mr. Tucker and what he does for us. 00;33;08;24 - 00;33;31;28 Richard Haldeman So Mr. Tucker works with brokers. He's our person that works with the brokers that bring us the individuals that we learn from, you know, the members, the working owners. He's an incredibly talented individual. And honestly, he has grown this in such a way that has given us such powerful insights today that we would not have had before. 00;33;32;00 - 00;33;51;04 Cary Hall Yeah, and the beauty of it is Steve understands what it is to be a broker or what it is to be an agent out there. So if you're that broker agent and you pick up the phone, you call that number and they'll connect you with Steve Tucker again, you'll be able to, he’ll walk you through the whole process it how you get set up, how you do the apps, how does it all work, how do you get paid all of that. 00;33;51;09 - 00;33;59;28 Cary Hall Okay, Steve can take you through it. It's designed to be simple, easy. It's all integrated in a way that I think you wait pretty surprised with it. 00;34;00;02 - 00;34;16;10 Richard Haldeman Yeah, that's why we brought him in as a partner. We have. Honestly, I get to do some of the more glamorous things, but really the hard work and talent sits on our team with a guy named Alan Wilson, who's probably he's our president and COO, probably one of the most talented business people I've ever met in my life. 00;34;16;10 - 00;34;19;03 Richard Haldeman He and I have been friends for a number of years. 00;34;19;06 - 00;34;22;24 Cary Hall Unfortunately he is an attorney, but yeah, we'll look pass that. 00;34;22;24 - 00;34;31;19 Richard Haldeman We give him a pass. He is our in-house counsel and he was instrumental in driving the whole regulatory model so that we could open up this access. 00;34;31;19 - 00;34;48;29 Cary Hall And was instrumental in vetting this to make sure we met. You heard Rich earlier in the show talk about meeting all the federal and state guidlines. We've done that. That's all part of this. That's Why this works. That's why Blue Cross and Blue Shield, we partner with them through Detego to have access to that Blue Cross Blue Shield network. 00;34;48;29 - 00;35;05;13 Cary Hall So that's how this all comes together. So let's go into a little bit about the plans that we've talked a lot about. You know, that all of the different components. Let's talk about the actual plans. Let's do some examples and some of the plans like you see in the plan models that are up on the website. 00;35;05;15 - 00;35;30;29 Richard Haldeman Yeah. So the plan designs would be what I call them traditional type plan designs, you know, so for example, things that you've seen on the exchange. So the one thing we know is co-pay plans are what people want. They don't necessarily care for the deductible type of plans where you have a long run to a number before you get any benefit 00;35;31;00 - 00;35;33;03 Cary Hall You want first dollar benefit is what he’s saying. 00;35;33;05 - 00;35;39;02 Richard Haldeman first dollar benefit? Yeah, Yeah. You know, I tried to be a broker for a year when we were experimenting with this model. 00;35;39;04 - 00;35;40;04 Cary Hall That was not a good situation. 00;35;40;12 - 00;35;42;24 Richard Haldeman It was. It's the hardest job I'd ever done. 00;35;42;24 - 00;35;44;07 Cary Hall And I did it 27 years. 00;35;44;07 - 00;36;12;28 Richard Haldeman It's it's a thankless job for sure. So I'm glad to be out of that space. But it was valuable for me, at least in the short run, to understand how consumers and what consumers deal with. You know, in health care, I didn't know after 20 years of running health systems, which is my background coming out of the delivery system and working on strategy and delivery and populations management. I didn't really understand what what small business owners dealt with. 00;36;12;28 - 00;36;39;18 Richard Haldeman And having that experience when we started the brokerage as the experiment was invaluable. So you'll get a really good experience if you're a broker. But back to the plan designs some of this we've touched on already, Cary, so the plan designs are thoughtful in that we put in designs that actually promote wellness, right? Yes. That means deductible kind of delivery, correct? 00;36;39;20 - 00;36;57;29 Richard Haldeman Not deductible, but copay kind of delivery. So people aren't put off to go and go see the doctor. And we also we touched on two things already. One is we removed the barriers. So like if if you need imaging, we have an option for you to do imaging. It's very simple. They do all the coordination. 00;36;57;29 - 00;36;59;17 Cary Hall Same thing with labs. 00;36;59;19 - 00;37;36;17 Richard Haldeman Same thing with labs, same thing with medications. So we have two programs we run internally that support people and their medications. So, you know, the plans are very typical in they do have co-pays for medications. Right. And you can get brand and generic and all that stuff is pretty traditional. I think people are familiar with that. Correct. But what they're not familiar with is that often with the brand names, you can have a very high cost, sometimes as high as $150 co-pay on some of the high cost brand drugs for us, when we identify that we don't stop people from accessing it through retail pharmacy, but what we do on the back end is work with them. 00;37;36;20 - 00;37;48;09 Richard Haldeman We have a terminal pharmacy and we work with them on getting drugs from a cheaper source. Same drug, exact same pill, exact same everything. But we deliver to their door and then there's no co-pay for them. 00;37;48;09 - 00;38;07;06 Cary Hall And basically these come from Canada, New Zealand, Australia, the exact same formularies for what we're used here in this country. Yep. They're no different. But the point is those those costs are regulated in those countries so that we're bringing them, we're importing them in at those costs and able to get them and they're actually delivered to the doorstep. 00;38;07;10 - 00;38;09;26 Richard Haldeman Delivered to your doorstep and you do not have to pay co-pay. 00;38;10;02 - 00;38;25;28 Cary Hall Yeah. And that's really important. So when we come back from the break, we're coming up here on the break pretty quickly. When we come back from the break, we're going to get into you're all wondering, what is this going to cost? How what's the cost structure on this? So we're going to go into cost structure on this. 00;38;25;28 - 00;38;40;19 Cary Hall And there's a couple things I want to point out before we even get to that. That is, number one, there's an HSA model here that I really want to be able to talk about, because a lot of you out there, maybe 35, 40, 45 years old, you're in great health. You don't use these things on a daily basis. 00;38;40;21 - 00;39;02;09 Cary Hall And this is the kind of plan where the premiums are going to be very low. You've got to have great access because you’ve still got the Blue Cross Blue Shield Network we talked about, okay, on this self-funded model. And at the same time, if you have a catastrophic issue, okay, you're going to have coverage. You're not going to wind up, you know, one of the largest reasons for bankruptcy in this country are medical bills. 00;39;02;12 - 00;39;24;11 Cary Hall Okay. And this is real health insurance. This is not one of these Medi-Share programs that you hear advertised this Christian Medi-Share programs. Those are not health insurance. And if you doubt that, go look at their plans. It says right on the plan, this is not health insurance. Well, but what we have is. Yes. Okay. Which is why we have access to that Blue Cross Blue Shield network for our people to go to. 00;39;24;11 - 00;39;41;14 Cary Hall So when we come back from the break. We'll actually get into costs and we'll talk about some very specifics. Stay tuned. You're listening to America's Healthcare Advocate broadcasting here on the HIA Radio Network. Coast to coast across the U.S.A. We'll be right back. 00;39;41;17 - 00;39;59;11 Cary Hall Welcome back. You're listening to America's health care. broadcasting coast to coast across the U.S. You're on the air radio network. People. Find out more about us by going to the website America's Healthcare Advocate dot com. If you have a question, a comment, maybe a topic you want me to cover, feel free to send me an email. I'll be happy to answer it. 00;39;59;11 - 00;40;21;00 Cary Hall I answer all of them, happy to chat with you. If you have an issue, feel free to do that If you want information on GigCare, the website, gigcare.net. Okay. And the phone number 866 200 2513. If you're a broker agent out there. You've got your own agency, whatever the case may be, this intrigues you. 00;40;21;01 - 00;40;48;03 Cary Hall You think you might want to take a look at this and use it for some of your clients, that have this need that you can't fill because there’s not a plan out there that does what we do? Pick up the phone, make the call, we’ll connect you with Steve Tucker. He’ll walk, keeping the whole thing set up to train everything. We can do the whole thing for you. But you’ve got to pick up the phone and give them a call. 866 200 2513. We'll be happy to chat to you. All right. Let's go through let's pick a plan model and kind of let's talk about some cost. What does this cost? 00;40;48;07 - 00;41;01;17 Richard Haldeman Well, there was somebody I wanted to mention too. You were you were talking about Stephen Tucker. There's also another partner that we have that we work with. It's I feel blessed to have met them because of their insights in population management. Is that his name is Gavin? 00;41;01;19 - 00;41;02;05 Cary Hall Gavin. 00;41;02;06 - 00;41;15;16 Richard Haldeman Yeah, he he has been a strategic partner in understanding data and helping us gather data from the working owner. So I just want to make sure that I recognize his hard work. 00;41;15;17 - 00;41;18;16 Cary Hall He's done a great job for us and he's part of the reason why we are where we are. 00;41;18;17 - 00;41;30;14 Richard Haldeman That's right. And so I, I think I think his insights are valuable, and the things he brings to the table are sort of we can't replicate them. So I just want to make sure I mentioned that. So you want to talk about the plan design? 00;41;30;16 - 00;41;48;25 Cary Hall Yeah. Let's let's just start off with like an HSA plan because you may find this very attractive. Like I said, if you're in your thirties or forties, you know, whatever, maybe you're an empty nester in your fifties and you don't have kids going to the doctor, you might find an HSA plan could be very, very attractive to you or going to get to the premium here in a bit. 00;41;48;26 - 00;42;10;24 Cary Hall But get this on the HSA plans for 2024, if you're a family, you can put in your HSA account $8,300, you're putting it in there and it's being reduced. It can off of your taxes. It's a tax deduction. You can do the same thing on the individual side and put in the $4,150. Now, what can they use the HSA money for, Rich? 00;42;10;24 - 00;42;29;22 Richard Haldeman You know, after COVID, they expanded the use of HSA as two things that you would find, like you know, Bengay you buy off the counter, that's like a covered item, for example. But what's really interesting about this, as you know, economics and health care go together in a way that sort of they're at odds. 00;42;29;25 - 00;42;30;13 Cary Hall Very much so. 00;42;30;13 - 00;42;53;21 Richard Haldeman Right. So the beauty the thing I learned about when you talk me into doing this as a broker, which I'm still going to get you back for at some point, the is that I learned about this whole HSA model and back in the day when they first came out, the HSA deductible, the amount that you could take tax free didn't correlate well with a typical HSA plan. 00;42;53;24 - 00;43;04;02 Richard Haldeman So let's just say you picked a high deductible plan like a $5,000 HSA. That meant that let's just say you could put back in the day was like 2500. 00;43;04;04 - 00;43;04;25 Cary Hall $2700. 00;43;04;25 - 00;43;25;05 Richard Haldeman $2,700. You basically are taking on the risk between $2,700 and $5,000. Right? But every year these have indexed up like seven and a half percent. And now a family, by the way, and this is something I learned as well, is defined as the member plus a spouse, the member plus the child or the member plus all of them. 00;43;25;09 - 00;43;27;27 Cary Hall So does it be a family of four, right? It could be two. 00;43;28;03 - 00;43;48;19 Richard Haldeman Can be two. So what we have found is if we have the right HSA plan designs, right, and you use the right vendor because the other barrier we learned was when you use an HSA documentation and tracking it all was a nightmare. And we actually learned from feedback that people avoid HSA’s for that very reason. 00;43;48;19 - 00;43;53;10 Cary Hall And when the banks tried to administer these, they did a terrible job that was part of the problem. 00;43;53;10 - 00;44;15;05 Richard Haldeman So part of what I do for the company is in addition to other things, is I want to know every single vendor that we work with and I want to make sure that that vendor is poised to deliver value to our members. So we go through a very serious vetting process on vendors. So for example, there is a company called Lively out there. 00;44;15;06 - 00;44;17;06 Richard Haldeman I'm not getting paid by Lively for anything. 00;44;17;06 - 00;44;18;23 Cary Hall We actually to pay them. 00;44;18;25 - 00;44;46;04 Richard Haldeman Okay. They we don't pay them, but we, we don't get anything for it. So LiveLeak is a company that does HSA management. I think they're out of California. They are not an HSA bank, although they do all the HSA bank stuff. They have all of that regulation and all that. But what they are is a technology company. So let me give you an example why people love our HSA when we connect them to Lively. 00;44;46;07 - 00;45;09;15 Richard Haldeman Lively has an app where you can take a picture of a receipt and swipe left or right if you want to be paid now out of your HSA or later, and it's stored forever. So that's number one. So all of a sudden all the headaches of like, I got to keep a box full of receipts. I don't know if you remember the story. 00;45;09;17 - 00;45;33;00 Cary Hall okay. I have a story I have to tell here. When I was actually doing it, B2B, I remember going to a business where a husband and wife, they were middle aged people and they had an HSA and she had a fishbowl. This is a true story and she put every receipt in the fishbowl. And then she told me at the end of the year, I add them all up, we take the money at the HSA and that's how we pay for our vacation. 00;45;33;02 - 00;45;37;22 Cary Hall It was the fishbowl vacation story. That's how she did it. Okay, this is a little different model. 00;45;37;23 - 00;45;55;10 Richard Haldeman It's a little different though. So that receipt gets stored and you trigger a payment, a check or direct deposit into your account from their HSA. You also get a credit card loaded with your money. So if you do go to the doctor and you have an office visit, pay, you're going to get you can just hand him a credit card right when it comes out of your HSA. 00;45;55;10 - 00;46;26;29 Richard Haldeman But here's the other part that I think is really great. When the level of complexity went up after the they passed the revised HSA plans, right during or right at the end of the middle of COVID. All of these other items are now available to be paid for on your HSA, things you would have bought anyway. You put your debit card to your credit card that you primarily use to buy these products, and their software will scrape the credit card for those eligible items and put it in there for you. 00;46;26;29 - 00;46;31;09 Richard Haldeman So at the end of the year, your entire HSA will be tax free. 00;46;31;13 - 00;46;39;14 Cary Hall Yeah, Isn't that amazing? It's amazing. The do it all for you. That's right. So let's get to the price because we we told them we were going to talk a little about the range of price right. 00;46;39;14 - 00;46;41;22 Richard Haldeman So are we talking about HSA now? 00;46;41;28 - 00;46;43;23 Cary Hall Let's just stay on that for the wallet. Yeah. 00;46;43;24 - 00;47;05;24 Richard Haldeman So what we know is that as a small business owner, you have other tax issues that you need to deal with and the deductibility can vary just depending on your setup. So we really try to shoot for making our products affordable. Obviously for the reasons I've outlined before. So you can get in an HSA with a $5,000 deductible. 00;47;05;24 - 00;47;14;17 Richard Haldeman And if you're a husband and wife, you have 8000. You could put away for about between high fours, maybe 480-550. 00;47;14;20 - 00;47;43;07 Cary Hall And think about that. Okay, So you can put $8,300 of your deductible max out-of-pocket that you're going to pay for. Any major medical event is $5,000. You got $3,300 in there. Also, here's the other thing. The beauty of HSA is if you don't use this money in 2024, it rolls over to 2025. Okay. I had one client years ago who sandbagged all that money, never took it out, and he bought a long term care policy with it. 00;47;43;07 - 00;47;59;17 Cary Hall So the whole thing upfront. Okay. Whole thing. Because he put that money in there for a number of years till he had enough money to go buy a single premium long term care. I mean, think about what you can do with this money If you're business owner, you certainly understand the value of money. This is an opportunity we gave you a price rate. 00;47;59;23 - 00;48;08;10 Cary Hall Let's do a quick price range before we roll up here on what we're looking at. If they do, one of the typical co-pay plans, give us a range there of what people can expect. 00;48;08;12 - 00;48;28;17 Richard Haldeman For an individual like an employee, you know, like EE employee only or and you don't have a family, it's probably about $100 higher than that, just depending on what deductible you pick. So it can range. We have a deductible up to $7,350, but it also has all the co-pays that you would see on high that you won't typically see on high deductible plans. 00;48;28;17 - 00;48;54;07 Richard Haldeman Right. You can still see a doctor for $25. You can still go to a counselor for $25. You can see a specialist for, I don't know, 40 or $45. It's been so long since I've designed plans. But the reality is the threads that carry through all of our products is consumer focused usability, consumer focused usability, right? Because if you don't use it, you won't stay well. 00;48;54;09 - 00;49;19;18 Cary Hall No, you won't stay well, if you don't use it, you're not benefiting yourself are not benefiting your family. You know that. That's the key to this is it's been built specifically for this segment of the population that really doesn't have access to quality health care. These are very real here. These are benefit rich plans. I mean think about this... that video telemedicine work those free prescriptions. 00;49;19;20 - 00;49;37;15 Cary Hall If you need a specialty drug we can get it for you through one of our plans and dropship it to your house. Those are the kinds of things that are different in the way this works. And we have a lot of flexibility that a lot of the government regulated plans, on the other side, the ACA plans, they can't do it well. 00;49;37;22 - 00;49;46;15 Richard Haldeman They're state regulated. Correct. And we're federally regulated because we're self-insured. Right? So we we make sure that we follow all the Department of Labor Relations. 00;49;46;15 - 00;50;08;04 Cary Hall So. thank you for doing this today. We're going to do more of these. But I wanted to get this first broadcast in an up on the YouTube and the podcast platforms because this is really a dynamic product and it's very specific. Once again, if you are one of those gig employed people, you're the Uber driver, you're the you're the contract nurse in the E.R., you're the contract programmer, you're a truck driver, whatever the case may be. 00;50;08;09 - 00;50;27;01 Cary Hall This is an opportunity that you don't want to pass, but at least go look at it. Instead of not having health insurance or having something you can’t afford with huge deductibles that don't make any sense for you. Take a look at this plan and the website for the plan is gigcare.net. You want to go on the website. 00;50;27;07 - 00;50;45;18 Cary Hall You can do that all the information up there or you all 866 200 2513. If you're a broker, you're an agent, you're missing out. If you don't take a look at this, you can have this product, we can white label it. We can do a lot of things with it for you. Once again, go to the website gigcare.net. 00;50;45;24 - 00;51;02;24 Cary Hall And now I leave you with this thought from Albert Einstein, the one who follows the crowd, you usually get no further than the crowd. The one who walks alone is likely to find himself places no one is ever been. Remember friends. It's a funny thing about life, if you refuse to accept anything but the very best, you most often get it. 00;51;02;26 - 00;51;09;22 Cary Hall Thank you for listening to America's Healthcare Advocate, Broadcasting Coast to Coast across the USA. Goodbye America.