1 00:00:06,373 --> 00:00:08,274 Hi, I'm Cary Hall, America's Healthcare Advocate. 2 00:00:08,274 --> 00:00:11,911 On our show today, we're going to talk about the mega tsunami that's coming. 3 00:00:11,911 --> 00:00:12,712 That's right. 4 00:00:12,712 --> 00:00:16,883 The mega tsunami that's coming with all of the ACA Obamacare plans. 5 00:00:17,017 --> 00:00:18,818 We're going to talk about an alternative. 6 00:00:18,818 --> 00:00:22,622 You're a 1099 employee if you're self-employed out there, 7 00:00:22,622 --> 00:00:25,625 if you're a realtor, if you're a contractor doc, 8 00:00:25,625 --> 00:00:26,626 if you're an Uber driver, 9 00:00:26,626 --> 00:00:29,696 whatever the case may be, we've got something it is worth taking a look at. 10 00:00:29,896 --> 00:00:31,064 It's called GigCare. 11 00:00:31,064 --> 00:00:31,664 Stay tuned. 12 00:00:31,664 --> 00:00:34,667 You're going to learn a lot on this show today. 13 00:00:35,068 --> 00:00:39,039 And now America's Healthcare Advocate, Terry Hall. 14 00:00:39,539 --> 00:00:40,273 Hello, America. 15 00:00:40,273 --> 00:00:43,643 Welcome to America's Healthcare Advocate show broadcasting coast to coast 16 00:00:43,643 --> 00:00:46,980 across USA here on the HIA Radio Network. 17 00:00:46,980 --> 00:00:48,648 My producers in studio today, Mr. 18 00:00:48,648 --> 00:00:51,317 Dave Thiessen, the man behind the cameras that posts 19 00:00:51,317 --> 00:00:54,320 all these shows up on our podcast YouTube platform. 20 00:00:54,421 --> 00:01:00,126 By the way, 604,000 of you have viewed our YouTube and podcast. 21 00:01:00,126 --> 00:01:01,227 We're pretty happy about that. 22 00:01:01,227 --> 00:01:04,531 We want to thank you, all of you out there in the audience that pay attention 23 00:01:04,531 --> 00:01:09,202 to this show and go up to our YouTube platform and our 16 podcast platforms. 24 00:01:09,202 --> 00:01:12,205 By the way, our website is AmericasHealthcareAdvocate.com. 25 00:01:12,472 --> 00:01:15,542 If you have a question or comment, please feel free to send me an email. 26 00:01:15,875 --> 00:01:17,944 I get a lot of them, but I answer each and every one of them. 27 00:01:17,944 --> 00:01:20,547 So if I can help you, I am more than happy to do that. 28 00:01:20,547 --> 00:01:24,150 If you are chronologically challenged and you're looking for Medicare coverage, 29 00:01:24,150 --> 00:01:28,121 or you're struggling with this Obamacare issue that's coming on board right now, 30 00:01:28,121 --> 00:01:32,092 you can always reach out to the lovely Carolee Steele over at RPS 31 00:01:32,158 --> 00:01:33,393 Benefits by Design. 32 00:01:33,393 --> 00:01:34,994 Wherever you are in the country, 33 00:01:34,994 --> 00:01:38,431 they're happy to help you, with Medicare or with ACA. 34 00:01:38,731 --> 00:01:41,668 Additionally, if you are an employer looking for an opportunity 35 00:01:41,668 --> 00:01:44,904 that might be something different you probably ought to call Maria Ahlers 36 00:01:44,938 --> 00:01:50,210 over at RPS Benefits by Design 877-385- 2224. 37 00:01:50,210 --> 00:01:54,314 Anywhere in the country 877-385-2224. 38 00:01:54,481 --> 00:01:59,119 In studio with me today, John Stockton and Tracy Krause from Detego. 39 00:01:59,352 --> 00:02:02,355 We are going to be doing a show today on GigCare. 40 00:02:02,956 --> 00:02:06,693 So this show today and I've wanted to do this for some time. 41 00:02:06,993 --> 00:02:09,562 We're going to talk about why GigCare was created. 42 00:02:09,562 --> 00:02:12,132 Detego is the parent company that created GigCare. 43 00:02:12,132 --> 00:02:15,001 Why did we create it? What does the product do? 44 00:02:15,001 --> 00:02:16,669 And it's a health benefits plan. 45 00:02:16,669 --> 00:02:18,571 And who is this product really For. 46 00:02:18,571 --> 00:02:20,440 So that's what we're going to talk about today. 47 00:02:20,440 --> 00:02:23,443 And here's here's the thing you want to keep in mind. 48 00:02:23,643 --> 00:02:28,081 There's a huge tsunami coming in ACA right now, with all the increases 49 00:02:28,081 --> 00:02:30,917 and the reductions in subsidies and all the rest of it, it's 50 00:02:30,917 --> 00:02:33,920 going to impact people across the country in a lot of different ways. 51 00:02:34,020 --> 00:02:38,391 In addition to that, okay, if you're a 1099 employee out there, 52 00:02:38,391 --> 00:02:42,362 if you're if you're an Uber driver, if you're a contract ER doc, 53 00:02:42,362 --> 00:02:46,533 if you're a contract ER nurse, if you're a contract anesthesiologist, 54 00:02:46,533 --> 00:02:50,436 if you're a realtor, if you're a truck driver and you're 1099, 55 00:02:50,570 --> 00:02:53,940 this might be a health benefit plan you want to take a look at. 56 00:02:54,207 --> 00:02:57,343 But we're going to start off by just talking about what's going on 57 00:02:57,343 --> 00:03:00,813 in the marketplace today and the disruption that we expect to see. 58 00:03:00,813 --> 00:03:03,983 So, John, let's talk about that a little bit there. 59 00:03:04,284 --> 00:03:05,418 You've got a table there 60 00:03:05,418 --> 00:03:08,521 that's talking about some of the increases we're going to see across the country. 61 00:03:08,788 --> 00:03:12,025 Let's talk about that and the disruption that we're going to see. You. 62 00:03:12,025 --> 00:03:14,627 And I kind of nicknamed it the ACA tsunami. 63 00:03:14,627 --> 00:03:15,962 So let's talk about that. 64 00:03:15,962 --> 00:03:17,764 I think the only place I would disagree, 65 00:03:17,764 --> 00:03:21,000 Cary, I went into ChatGPT and I said, what's bigger than a tsunami? 66 00:03:21,601 --> 00:03:24,103 And the answer is a mega tsunami. 67 00:03:24,103 --> 00:03:26,206 Okay. I didn't even know that existed. Okay. 68 00:03:26,206 --> 00:03:27,240 So I'm impressed. 69 00:03:27,240 --> 00:03:31,311 The the average increase for the ACA across the country 70 00:03:31,311 --> 00:03:34,681 is 23.43% projected at this point. 71 00:03:35,215 --> 00:03:39,719 There are a handful of states that I circled that just are eye popping. 72 00:03:39,919 --> 00:03:44,924 Texas is at 31, Tennessee's at 35, North Carolina is at 28. 73 00:03:45,158 --> 00:03:47,260 New Mexico's at 36. 74 00:03:47,260 --> 00:03:50,163 You see these Arkansas is at 36. 75 00:03:50,163 --> 00:03:51,264 Delaware is at 38. 76 00:03:51,264 --> 00:03:53,600 You just see the impact of the ACA. 77 00:03:53,600 --> 00:03:56,603 You seen a large carrier pull out of the ACA. 78 00:03:56,803 --> 00:03:59,672 So the in and that impact is just the base rate 79 00:03:59,672 --> 00:04:02,642 increases, not even considering what's going on with the subsidies. 80 00:04:02,942 --> 00:04:03,142 Yeah. 81 00:04:03,142 --> 00:04:07,547 So when you put all that together, if you're not on an employer 82 00:04:07,547 --> 00:04:11,317 sponsored health plan and you're out there on your own trying to figure this out, 83 00:04:12,151 --> 00:04:15,321 it becomes much more challenging and much more difficult, does it not? 84 00:04:15,355 --> 00:04:16,623 Oh, it absolutely does. 85 00:04:16,623 --> 00:04:18,591 You are stuck and you are 86 00:04:19,592 --> 00:04:22,695 relying upon the ACA to take care of your needs. 87 00:04:22,695 --> 00:04:26,332 And we know that with this magnitude of increase, 88 00:04:26,666 --> 00:04:30,336 the people that will leave the ACA are those that can leave the ACA. 89 00:04:30,336 --> 00:04:31,771 So in our opinion, 90 00:04:31,771 --> 00:04:34,807 the ACA is looking at a death spiral and it's only going to get worse. 91 00:04:35,141 --> 00:04:37,944 And the reason we say that is because the only people are going to stay on 92 00:04:37,944 --> 00:04:41,114 there are the people that have to stay on because they're too sick to get off. 93 00:04:41,381 --> 00:04:45,151 And we're already seeing that in the marketplace with a lot of people. 94 00:04:45,151 --> 00:04:48,254 I would say if you look at people below the age of 30, 35, 95 00:04:48,288 --> 00:04:51,691 even below the age of 35, and you ask them, do you know, 96 00:04:51,724 --> 00:04:54,627 it was funny, we were on a on a zoom meeting here 97 00:04:54,627 --> 00:04:56,863 a couple about a month or so ago, and there were a number 98 00:04:56,863 --> 00:04:58,865 of very young people on there who were IT people. 99 00:04:58,865 --> 00:05:01,200 And we asked how many of them had health insurance. 100 00:05:01,200 --> 00:05:02,702 They laughed. 101 00:05:02,702 --> 00:05:03,569 They said, Tracy. 102 00:05:03,569 --> 00:05:06,172 They said, no, we don't need health insurance. 103 00:05:06,172 --> 00:05:07,173 I'm like. 104 00:05:07,173 --> 00:05:09,509 Okay, you don't need health insurance. 105 00:05:09,509 --> 00:05:11,511 And with that's the attitude. 106 00:05:11,511 --> 00:05:14,714 And the other part of the attitude is that Obamacare, 107 00:05:14,747 --> 00:05:18,484 ACA is too damned expensive and they just don't feel like it's worth 108 00:05:18,484 --> 00:05:20,420 what they're going to be forced to pay for it. 109 00:05:21,554 --> 00:05:24,157 The underlying cost of health care is a whole separate conversation 110 00:05:24,157 --> 00:05:25,491 you and I have had before, 111 00:05:25,491 --> 00:05:29,329 Cary, but the financing model for the ACA is not working either. No. 112 00:05:29,329 --> 00:05:31,431 And we only think it's going to get worse. 113 00:05:31,431 --> 00:05:36,369 So let's talk a little bit about let's just talk about why this product, Detego 114 00:05:36,602 --> 00:05:39,806 is the parent company here, Population Science Management 115 00:05:40,073 --> 00:05:43,309 is the company that actually offers the GigCare product. 116 00:05:43,309 --> 00:05:46,713 We can talk about that a little later, but the GigCare product 117 00:05:46,713 --> 00:05:50,183 was actually designed to go into the 1099 marketplace. 118 00:05:50,183 --> 00:05:54,220 People that are 1099 folks out there that don't have group health 119 00:05:54,220 --> 00:05:56,723 insurance plans now, they're how many of them are there? 120 00:05:56,723 --> 00:05:58,958 80 million now, John. 121 00:05:58,958 --> 00:05:59,759 80 million. 122 00:05:59,759 --> 00:06:03,029 By the start of 2027, the gig economy will represent 123 00:06:03,029 --> 00:06:06,199 100 million Americans which is astounding. 124 00:06:06,199 --> 00:06:11,237 So we think that this is an opportunity for people in those areas, people 125 00:06:11,237 --> 00:06:13,840 that are realtors, people are those Uber drivers, 126 00:06:13,840 --> 00:06:17,810 people that are contract drivers for Fedex or those Amazon drivers 127 00:06:17,810 --> 00:06:22,248 that are contract Amazon drivers or the truck drivers or such a broad. 128 00:06:22,248 --> 00:06:23,649 It's hospitality. 129 00:06:23,649 --> 00:06:25,218 It's the beauty space. 130 00:06:25,218 --> 00:06:28,020 It's the tattoo artists, the musicians and. 131 00:06:28,020 --> 00:06:29,622 The tattoo artist. John, that was one. 132 00:06:29,622 --> 00:06:31,324 It's a very broad message. 133 00:06:31,324 --> 00:06:34,527 When you start talking about 80 million today, it's again very broad. 134 00:06:34,527 --> 00:06:40,133 And those are the folks that don't have access to employer sponsored health care. 135 00:06:40,366 --> 00:06:42,435 So they're looking for an alternative. 136 00:06:42,435 --> 00:06:47,640 And the GigCare product was created specifically for that marketplace 137 00:06:47,640 --> 00:06:50,910 to give them an opportunity to find health benefits 138 00:06:51,477 --> 00:06:55,148 that were better than what's on ACA, that were less expensive 139 00:06:55,148 --> 00:06:58,317 than was on ACA, and actually offer a wider 140 00:06:58,317 --> 00:07:01,320 range of coverage in some areas than what we see on ACA. 141 00:07:01,387 --> 00:07:03,790 I would just also add, Cary, 142 00:07:03,790 --> 00:07:07,160 it might be for W-2’s that are part time and not eligible. 143 00:07:07,627 --> 00:07:10,763 So GigCare is a great fit for those who aren't eligible. 144 00:07:10,763 --> 00:07:13,766 So we talked to a lot of large employers who have a number 145 00:07:13,766 --> 00:07:16,769 of part time employees, where this is a consideration. 146 00:07:16,869 --> 00:07:19,806 That brings to mind some of the other employers that we've talked to. 147 00:07:19,806 --> 00:07:20,440 Okay. 148 00:07:20,440 --> 00:07:21,040 You know, 149 00:07:21,040 --> 00:07:25,511 we have a trucking company out of Lincoln, Nebraska that has 4000 truck drivers. 150 00:07:26,078 --> 00:07:28,948 Well, it turns out 400 of them are 1099 people. 151 00:07:28,948 --> 00:07:31,684 And they didn't have any health benefits to offer them. 152 00:07:31,684 --> 00:07:35,421 We're seeing this in co-ops, agricultural co-ops across the country. 153 00:07:35,421 --> 00:07:36,722 Right, John? Absolutely. 154 00:07:36,722 --> 00:07:38,224 A lot of large farmers co-ops, 155 00:07:38,224 --> 00:07:41,294 a lot of association opportunities that it's created for us. 156 00:07:41,327 --> 00:07:44,897 Where they're not where they don't have access to the kind of health care 157 00:07:44,897 --> 00:07:48,968 we're talking about unless they go on the ACA, Obamacare, 158 00:07:48,968 --> 00:07:52,171 which unfortunately, a lot of them just are not don't 159 00:07:52,171 --> 00:07:56,108 want to do or have had a bad experience with or it's cost prohibitive now. 160 00:07:56,108 --> 00:07:57,677 It is cost prohibitive. 161 00:07:57,677 --> 00:08:00,580 And depending on what happens with the subsidies, it could get even worse. 162 00:08:00,580 --> 00:08:03,082 It's still the average increase going up 163 00:08:03,082 --> 00:08:07,119 23.4% is is with the subsidy staying the same. 164 00:08:07,119 --> 00:08:09,822 So it could it could get significantly worse. Yeah. 165 00:08:09,822 --> 00:08:11,290 And that's a state by state thing. 166 00:08:11,290 --> 00:08:13,993 So so you're seeing that say this is another thing we'll talk about 167 00:08:13,993 --> 00:08:16,062 when we start talking about the plans here. 168 00:08:16,062 --> 00:08:18,631 But our plan pricing is universal across the country. 169 00:08:18,631 --> 00:08:22,535 It doesn't change on a state by state basis like ACA does. 170 00:08:22,535 --> 00:08:23,669 Correct? Correct. 171 00:08:23,669 --> 00:08:26,072 We have the same rates across all of our state 172 00:08:26,072 --> 00:08:29,242 where we offer our coverage, and they're just by age band. 173 00:08:29,909 --> 00:08:31,043 So it is by age band. 174 00:08:31,043 --> 00:08:34,113 We offer it across the country and we come back from break 175 00:08:34,113 --> 00:08:37,083 what we're going to do is we're going to start talking about GigCare, 176 00:08:37,083 --> 00:08:40,887 how it works, who it serves, and how you gain access to it. 177 00:08:40,887 --> 00:08:44,991 If you want information on this, by the way, if you're a broker 178 00:08:45,258 --> 00:08:48,261 and you want to learn how to sell this product, 179 00:08:48,294 --> 00:08:50,429 I'll take it out in your marketplace. 180 00:08:50,429 --> 00:08:52,632 We are happy to have you. It's very simple. 181 00:08:52,632 --> 00:08:53,633 Here's what you do. 182 00:08:53,633 --> 00:08:56,402 You go to GigCare.net, GigCare.net. 183 00:08:56,402 --> 00:08:57,837 There's information up there. 184 00:08:57,837 --> 00:08:59,605 Fill out a card, send it into us. 185 00:08:59,605 --> 00:09:01,941 Okay. On the web, it's easy to do. 186 00:09:01,941 --> 00:09:02,341 Okay. 187 00:09:02,341 --> 00:09:05,778 Or you can call 866-886-2030. 188 00:09:06,078 --> 00:09:09,015 That's 866-886-2030. 189 00:09:09,015 --> 00:09:10,349 Be happy to chat with you. 190 00:09:10,349 --> 00:09:13,653 And if you're somebody looking for this kind of health benefit, 191 00:09:13,920 --> 00:09:16,589 we're more than happy to talk to you about what we're offering at GigCare, 192 00:09:16,589 --> 00:09:18,257 how it can serve you, and why. 193 00:09:18,257 --> 00:09:20,826 It could very well be something that would be better for you 194 00:09:20,826 --> 00:09:23,829 from a cost standpoint, and also a benefit standpoint, 195 00:09:23,863 --> 00:09:27,266 and what's in the marketplace today or what's actually coming to the marketplace. 196 00:09:27,400 --> 00:09:29,402 So we'll be right back after the break. 197 00:09:29,402 --> 00:09:31,904 You're listening to America's Healthcare Advocate 198 00:09:31,904 --> 00:09:34,907 Broadcasting here on the HIA Radio Network. 199 00:09:34,974 --> 00:09:36,742 Coast to coast across the USA. 200 00:09:36,742 --> 00:09:42,548 Once again, that website is GigCare.net that phone numbers 866-886-2030. 201 00:09:42,648 --> 00:09:44,250 Stay tuned. We'll be back with more. 202 00:09:51,557 --> 00:09:52,291 Welcome back. 203 00:09:52,291 --> 00:09:56,128 You're listening to America's Healthcare Advocate show broadcasting coast to coast 204 00:09:56,128 --> 00:09:59,365 across the USA here on the HIA Radio Network. 205 00:09:59,365 --> 00:10:01,534 If you want to find out more about us, go up to the website 206 00:10:01,534 --> 00:10:02,702 America's Healthcare Advocate. 207 00:10:02,702 --> 00:10:04,670 By the way, you hear this show. 208 00:10:04,670 --> 00:10:05,905 You want to tell somebody about it. 209 00:10:05,905 --> 00:10:10,843 Maybe you've got a company that's got 1099 employees along with W-2 employees. 210 00:10:11,077 --> 00:10:16,115 You go up on the podcast platform, it's on SoundCloud, Spotify, 16 platforms 211 00:10:16,115 --> 00:10:20,152 across the country, and our own YouTube channel, America's Healthcare Advocate. 212 00:10:20,252 --> 00:10:22,555 All you gotta do is tell them to go listen to the show there. 213 00:10:22,555 --> 00:10:24,624 They'll understand exactly what we're talking about. 214 00:10:24,624 --> 00:10:27,393 Once again, it's AmericasHealthcareAdvocate.com. 215 00:10:27,393 --> 00:10:30,396 The YouTube channel is America's Healthcare Advocate. 216 00:10:30,463 --> 00:10:34,400 If you want information, maybe you want to find out more about this. 217 00:10:34,400 --> 00:10:37,536 866-886-2030. 218 00:10:37,536 --> 00:10:42,241 866-886-2030 or GigCare.net. 219 00:10:42,675 --> 00:10:42,908 All right. 220 00:10:42,908 --> 00:10:44,610 We're going to change up a little bit. Tracy. 221 00:10:44,610 --> 00:10:47,580 So let's talk a little about you know, 222 00:10:47,580 --> 00:10:49,982 I don't know who it was I was talking to not so long ago. 223 00:10:49,982 --> 00:10:51,317 We were talking about customer service. 224 00:10:51,317 --> 00:10:52,985 He said, you know the problem. 225 00:10:52,985 --> 00:10:55,688 The word service has gone out of customer service. 226 00:10:55,688 --> 00:10:59,525 And so especially when it comes to health benefits 227 00:10:59,525 --> 00:11:01,260 and when you when you're talking to people, 228 00:11:01,260 --> 00:11:03,562 they've got a claims issue or a provider issue. 229 00:11:03,562 --> 00:11:04,563 How critical is that. 230 00:11:04,563 --> 00:11:07,566 And I ask you to come in today to talk about this. 231 00:11:07,566 --> 00:11:09,902 Because that's really your area of expertise. 232 00:11:09,902 --> 00:11:13,339 And one of the things that you help us do and do so well. 233 00:11:13,339 --> 00:11:15,374 So let's talk a little bit about that, Tracy. 234 00:11:15,374 --> 00:11:17,443 Great. Thanks, Cary, for having me. 235 00:11:17,443 --> 00:11:19,845 I 100% agree with you. 236 00:11:19,845 --> 00:11:22,648 I've been in the customer service area for different consulting 237 00:11:22,648 --> 00:11:26,385 firms, for different carriers now in this role with Detego, 238 00:11:26,619 --> 00:11:30,556 and it's really putting that service back into the customer service. 239 00:11:30,956 --> 00:11:34,627 There aren't many things as personal to somebody as their health care. 240 00:11:34,894 --> 00:11:37,797 And at that point in time, when they're at the doctor's office 241 00:11:37,797 --> 00:11:41,467 and they have that ID card, that's their insurance, that's their security, 242 00:11:41,701 --> 00:11:43,736 and they need to make sure it works. 243 00:11:43,736 --> 00:11:48,240 So at Detangle Health, we have the customer service agents who are live. 244 00:11:48,541 --> 00:11:51,010 We're also leveraging artificial intelligence. 245 00:11:51,010 --> 00:11:51,277 Right. 246 00:11:51,277 --> 00:11:55,281 We're doing some of those voice IVR as you know hit a button go here. 247 00:11:55,414 --> 00:11:58,584 But at the end of the day it's being able to talk 248 00:11:58,584 --> 00:12:01,921 to a live person who can listen to you, understand. 249 00:12:01,921 --> 00:12:05,858 And then direct you through the right ways in order to get your questions 250 00:12:05,858 --> 00:12:09,562 answered, your problems resolved, your doctor's office answered. 251 00:12:09,695 --> 00:12:10,996 That's really what it's about. 252 00:12:10,996 --> 00:12:14,200 It's that first point resolution, and that sets the tone 253 00:12:14,433 --> 00:12:19,605 for that relationship between the member and the coverage that they purchased. 254 00:12:19,638 --> 00:12:20,740 And I think one of the things 255 00:12:20,740 --> 00:12:24,143 that separates us from the national carriers, if you will, 256 00:12:24,810 --> 00:12:27,613 you know, when you call and there's four voice prompts 257 00:12:27,613 --> 00:12:29,815 you have to go through before you get to the fifth one. 258 00:12:31,117 --> 00:12:32,585 And if you're lucky, 259 00:12:32,585 --> 00:12:35,287 if you're lucky, you might be able to actually talk to somebody. 260 00:12:35,287 --> 00:12:36,756 Okay. 261 00:12:36,756 --> 00:12:38,491 Our program doesn't work that way. 262 00:12:38,491 --> 00:12:41,093 Customer service starts. What time does it start? In the morning? Seven. 263 00:12:41,093 --> 00:12:43,262 Seven in the morning. And it goes till six at night. 264 00:12:43,262 --> 00:12:46,866 So obviously we've expanded the hours so people have more of a chance to call 265 00:12:47,066 --> 00:12:48,768 if they have an issue. 266 00:12:48,768 --> 00:12:51,470 And the idea is, as you said, to have a live person there 267 00:12:51,470 --> 00:12:55,674 to talk to them so that they, they know they can get their problem resolved. 268 00:12:55,708 --> 00:12:59,578 We've even gone to that outbound proactive reach. 269 00:12:59,578 --> 00:13:03,783 So once a member has had the conversation with their agent, 270 00:13:03,783 --> 00:13:05,217 they've selected the plan. 271 00:13:05,217 --> 00:13:07,653 And then things kind of go into that quiet period, right? 272 00:13:07,653 --> 00:13:09,922 We've started that proactive outreach where 273 00:13:09,922 --> 00:13:12,925 we're calling the members and saying, do you have any questions? 274 00:13:13,192 --> 00:13:14,126 Did you have anything? 275 00:13:14,126 --> 00:13:14,894 Maybe now that you've 276 00:13:14,894 --> 00:13:19,231 had the plan in place for a week or so, what kind of questions do you have? 277 00:13:19,231 --> 00:13:22,835 And we've really uncovered what those, employees, 278 00:13:23,002 --> 00:13:26,372 what those members are trying to buy and how we can help them. 279 00:13:26,372 --> 00:13:28,507 It's about finding the right information. 280 00:13:28,507 --> 00:13:31,143 It's also about, in this day and age, right. 281 00:13:31,143 --> 00:13:33,145 We've got five generations in the workforce. 282 00:13:33,145 --> 00:13:36,448 You've now got those same five generations seeking health care. 283 00:13:36,782 --> 00:13:38,584 And they all have different needs. 284 00:13:38,584 --> 00:13:40,853 And so it's just providing them the information 285 00:13:40,853 --> 00:13:43,856 they need for their health care journey to be successful. 286 00:13:43,856 --> 00:13:46,759 That's really a lot about the customer service aspect. 287 00:13:47,827 --> 00:13:48,694 You know what I always used 288 00:13:48,694 --> 00:13:51,697 to say it, I've been I was broke for 27 years was. 289 00:13:52,765 --> 00:13:55,401 It's not if you're going to call, it's when you're going to call. 290 00:13:55,401 --> 00:13:56,836 You will have an issue. 291 00:13:56,836 --> 00:13:59,705 Somewhere along the line there will be a provider issue 292 00:13:59,705 --> 00:14:02,541 or there'll be a claims issue or something will happen. 293 00:14:02,541 --> 00:14:05,811 But the idea is that we've got somebody there to help you, 294 00:14:05,811 --> 00:14:07,880 and we're not just telling you, well, that's your problem. 295 00:14:07,880 --> 00:14:10,282 You need to get it solved 100%. 296 00:14:10,282 --> 00:14:12,751 And that's the whole purpose behind customer service. 297 00:14:12,751 --> 00:14:16,021 Switch a little bit to now how we communicate with brokers. 298 00:14:16,021 --> 00:14:18,624 Because we are 100% broker distribution. 299 00:14:18,624 --> 00:14:20,526 That's important for you to know all right. 300 00:14:20,526 --> 00:14:23,495 So we rely on our brokers all over the country, 301 00:14:23,495 --> 00:14:25,865 to take our product out in the marketplace. 302 00:14:25,865 --> 00:14:28,968 And we go to a lot of trouble to service our brokers. 303 00:14:29,168 --> 00:14:32,304 And give them the information they need in the tools they need. 304 00:14:32,504 --> 00:14:36,175 So let's talk a little bit about that and how if a broker has a problem, 305 00:14:36,175 --> 00:14:37,810 what we do to step in and help them. 306 00:14:37,810 --> 00:14:40,179 So the level of service that we provide 307 00:14:40,179 --> 00:14:44,016 is equal to the education that we set it up in the beginning. 308 00:14:44,016 --> 00:14:47,219 Right. Let's let's all be on the same page. 309 00:14:47,219 --> 00:14:47,486 Right. 310 00:14:47,486 --> 00:14:51,123 Population Science Management, which is administered by Detego, 311 00:14:51,123 --> 00:14:54,126 is an opportunity for your clients 312 00:14:54,126 --> 00:14:56,962 to get access to a group health plan. 313 00:14:56,962 --> 00:15:00,466 Now within Population Science Management we have different segments. 314 00:15:00,466 --> 00:15:03,736 We have the GigCare, which is what we're talking about today, right. 315 00:15:03,936 --> 00:15:06,739 Major medical comprehensive coverage 316 00:15:06,739 --> 00:15:09,775 with three different provider networks to choose from. 317 00:15:10,442 --> 00:15:10,943 Great. 318 00:15:10,943 --> 00:15:13,812 We also have Max Guard, which is a limited 319 00:15:13,812 --> 00:15:17,049 benefit plan that also now has a network. 320 00:15:17,483 --> 00:15:20,953 We then also have reference based pricing models, 321 00:15:20,953 --> 00:15:24,890 which might be what the agents and brokers clients 322 00:15:24,890 --> 00:15:29,595 once we are here to be that one, stop 323 00:15:29,595 --> 00:15:34,366 with three different solutions that may or may not be the best fit for your client. 324 00:15:34,366 --> 00:15:37,069 But we are here and we do provide a solution. 325 00:15:37,069 --> 00:15:39,438 One of the things we do is who really goes to a lot of trouble 326 00:15:39,438 --> 00:15:42,608 to educate the brokers, talk about that and what that because you're not just 327 00:15:42,608 --> 00:15:45,778 going to walk in and get this product and take it back out on the street. 328 00:15:46,145 --> 00:15:48,914 So when you go to sell an ACA product 329 00:15:48,914 --> 00:15:52,351 or when you go to sell a Medicare product, you go through a whole training process. 330 00:15:52,651 --> 00:15:55,421 You go through a training process to sell GigCare. 331 00:15:55,421 --> 00:15:59,591 Any of the Population Science Management plans, you have to go through it. 332 00:15:59,591 --> 00:16:00,759 So talk about that. 333 00:16:00,759 --> 00:16:02,328 This is a great opportunity. 334 00:16:02,328 --> 00:16:07,099 This is delivering a health care model in a different space. 335 00:16:07,099 --> 00:16:09,668 Right. And again we're not for everybody. 336 00:16:09,668 --> 00:16:12,972 Population Science Management isn't that ACA 337 00:16:12,972 --> 00:16:15,975 where you're going to drop those unhealthy people. 338 00:16:16,008 --> 00:16:17,843 People are unhealthy right. 339 00:16:17,843 --> 00:16:18,777 It happens. 340 00:16:18,777 --> 00:16:20,045 Things happen. 341 00:16:20,045 --> 00:16:23,215 What this is is it is that absolute 342 00:16:23,315 --> 00:16:26,318 health benefit option for you to choose from. 343 00:16:26,485 --> 00:16:30,823 And each one of our tiers within Population Science 344 00:16:30,823 --> 00:16:31,824 Management serves 345 00:16:31,824 --> 00:16:35,561 a different purpose for the clientele that you're going after, right? 346 00:16:35,561 --> 00:16:40,833 That early retiree probably is going to want a GigCare plan, right? 347 00:16:40,833 --> 00:16:43,002 It's got three different national networks. 348 00:16:43,002 --> 00:16:46,105 It's got the comprehensive coverage that, 349 00:16:47,306 --> 00:16:50,676 rideshare driver, they're not going to want that comprehensive coverage. 350 00:16:50,676 --> 00:16:56,115 They probably got that Max Guard suite of plans for them to consider. 351 00:16:56,415 --> 00:16:59,184 What we do up front, though, is have that education 352 00:16:59,184 --> 00:17:02,187 for those agents that want to take the time. 353 00:17:02,554 --> 00:17:04,156 Right. This is the GigCare. 354 00:17:04,156 --> 00:17:06,058 This is Population Science Management. 355 00:17:06,058 --> 00:17:08,594 This isn't Medicare and this isn't ACA. 356 00:17:08,594 --> 00:17:11,230 And this is unique to our space. 357 00:17:11,230 --> 00:17:15,100 And it's an absolute solution for your clients. 358 00:17:15,100 --> 00:17:17,136 And so what that means is if you're the broker 359 00:17:17,136 --> 00:17:20,439 and you're listening to this and you're interested, there is a training process. 360 00:17:20,439 --> 00:17:22,408 You actually have to take a test, okay. 361 00:17:22,408 --> 00:17:24,109 And you have to go through this training process. 362 00:17:24,109 --> 00:17:25,344 And the reason for that is 363 00:17:26,412 --> 00:17:29,181 because as Tracy just said, this isn't for everybody. 364 00:17:29,181 --> 00:17:31,383 There are different plans that fit different needs. 365 00:17:31,383 --> 00:17:32,818 And that's what we're doing here. 366 00:17:32,818 --> 00:17:35,454 We're talking specifically today about GigCare. 367 00:17:35,454 --> 00:17:39,258 That plan, which primarily services the 1099 market. 368 00:17:39,258 --> 00:17:40,893 But if you want information 369 00:17:40,893 --> 00:17:44,196 you're interested in, you've got an area out there 370 00:17:44,196 --> 00:17:46,231 that you cannot get those clients coverage. 371 00:17:46,231 --> 00:17:47,366 You can't find policies. 372 00:17:47,366 --> 00:17:48,867 They like narrow networks. 373 00:17:48,867 --> 00:17:51,103 Under ACA, prices are too high. 374 00:17:51,103 --> 00:17:52,337 They don't want to do it. 375 00:17:52,337 --> 00:17:54,606 Now you've got a product that probably makes some sense, 376 00:17:54,606 --> 00:17:57,676 but you're going to have to go through the training and education process 377 00:17:57,676 --> 00:18:00,712 so that you can present it the way it needs to be presented. 378 00:18:00,779 --> 00:18:04,416 If you want information, go to the website GigCare.net, 379 00:18:04,416 --> 00:18:09,421 that's gig hairnet or call 866-886-2030. 380 00:18:09,421 --> 00:18:12,991 866-886-2030. Stay tuned. 381 00:18:12,991 --> 00:18:14,393 We'll be right back after the break. 382 00:18:14,393 --> 00:18:16,261 We're going to get into the plan designs now. 383 00:18:16,261 --> 00:18:18,797 And what are they actually look like and what do they cover? 384 00:18:18,797 --> 00:18:20,799 We'll be right back after the break. Stay right there. 385 00:18:34,613 --> 00:18:35,414 Welcome back. 386 00:18:35,414 --> 00:18:38,517 You're listening to America's Healthcare Advocates Show broadcasting 387 00:18:38,517 --> 00:18:41,954 coast to coast across USA here on the HIA Radio Network. 388 00:18:42,121 --> 00:18:43,922 My producer today, Mr. Dave Thiessen. 389 00:18:43,922 --> 00:18:47,092 Behind all the cameras, Garner Cowdrey, the man behind the microphones. 390 00:18:47,192 --> 00:18:50,195 Again, all these shows are posted on our podcast platforms. 391 00:18:50,229 --> 00:18:51,530 There are 16 of them. 392 00:18:51,530 --> 00:18:53,265 Okay. As well as our YouTube platform. 393 00:18:53,265 --> 00:18:55,334 So you hear about this, you tell somebody about it, 394 00:18:55,334 --> 00:18:57,769 you want to share it with somebody. That's a great place to go. 395 00:18:57,769 --> 00:19:00,205 And instead of you trying to explain all of it, 396 00:19:00,205 --> 00:19:02,141 then go up there and listen to the whole show 397 00:19:02,141 --> 00:19:05,077 and get all the information so they understand how it works. 398 00:19:05,077 --> 00:19:08,547 We're talking about the plan today, the health benefits plan called GigCare 399 00:19:08,847 --> 00:19:13,952 offered by Population Science Management, 866-886-2030. 400 00:19:13,952 --> 00:19:16,688 If you want information you want to call, learn more about it. 401 00:19:16,688 --> 00:19:17,422 That's what you can do. 402 00:19:17,422 --> 00:19:19,758 Or you can go to the website GigCare.net. 403 00:19:19,758 --> 00:19:21,460 All our information is up there. 404 00:19:21,460 --> 00:19:24,196 All right John, let's get in the weeds a little bit okay. 405 00:19:24,196 --> 00:19:26,498 And talk about these plans. So there are seperate plans 406 00:19:26,498 --> 00:19:29,601 Tracy just talked about offering on separate networks. 407 00:19:29,701 --> 00:19:33,539 So first we have the Blue Cross and Blue Shield plan which is offered in Nebraska. 408 00:19:33,772 --> 00:19:35,107 And that plan is called. 409 00:19:35,107 --> 00:19:37,409 We call that plan Thrive Okay. 410 00:19:37,409 --> 00:19:41,013 So we have an important partnership in the state of Nebraska with Blue Cross. 411 00:19:41,013 --> 00:19:42,347 And we are, 412 00:19:42,347 --> 00:19:45,450 very excited about our opportunities in that great state, working with the 413 00:19:45,450 --> 00:19:46,318 local Blues there. 414 00:19:46,318 --> 00:19:47,853 And we've got a lot of, 415 00:19:47,853 --> 00:19:50,222 a lot of opportunities coming up in the state, in Nebraska, 416 00:19:50,222 --> 00:19:52,858 a lot more work we're doing in the state of Nebraska 417 00:19:52,858 --> 00:19:55,127 with some of those farm co-ops in the state of Nebraska. 418 00:19:55,127 --> 00:19:55,561 Yeah. 419 00:19:55,561 --> 00:19:56,795 So let's let's switch gears, 420 00:19:56,795 --> 00:20:00,599 because we now have Aetna National Network to offer our clients. 421 00:20:00,832 --> 00:20:05,103 So the Aetna plans are branded Livelihood with the Aetna plans. 422 00:20:05,103 --> 00:20:08,407 They are EPO which means in-network only. 423 00:20:08,640 --> 00:20:11,877 Obviously anything out of network that's emergency is going to be covered 424 00:20:11,877 --> 00:20:17,883 as in-network deductibles range from 1800 up to 8300. 425 00:20:17,883 --> 00:20:19,651 We have HSA options. 426 00:20:19,651 --> 00:20:23,455 Probably the more popular question Cary we get from brokers is 427 00:20:23,755 --> 00:20:25,090 where is the intersection 428 00:20:25,090 --> 00:20:28,827 between where GigCare is more competitive than the ACA on a price point, 429 00:20:28,860 --> 00:20:29,561 On a price point. 430 00:20:29,561 --> 00:20:33,632 So I wanted to talk about that real quick, because we sell in four age bands 431 00:20:33,899 --> 00:20:36,969 that are the same rates across all of our states that we sell into. 432 00:20:37,002 --> 00:20:39,004 But that separates us from ACA. 433 00:20:39,004 --> 00:20:41,306 Our rates don't vary based on the state. 434 00:20:41,306 --> 00:20:43,242 They're the same across the country. Right. 435 00:20:43,242 --> 00:20:47,512 And so those age bands are 18 to 29, 30 to 44, 436 00:20:47,546 --> 00:20:50,849 45 to 54 and 55 to 65. 437 00:20:51,183 --> 00:20:57,089 So this year, our sweet spot for GigCare has been really in, 40 to 45. 438 00:20:57,089 --> 00:21:01,326 Plus, in the first segment, we talked about the rate increase on the ACA 439 00:21:01,326 --> 00:21:05,264 being in 23 and change the impact of subsidies could literally 440 00:21:05,264 --> 00:21:09,101 have some members paying double what they're paying this year in 2026. 441 00:21:09,434 --> 00:21:13,739 So we feel like our sweet spot will be pushed down into the lower age bands. 442 00:21:13,972 --> 00:21:17,676 But again, then there's same rates across all the states we sell into, 443 00:21:17,943 --> 00:21:21,313 and we expect to be competitive, certainly in that 30 to 44 444 00:21:21,513 --> 00:21:25,217 and possibly even into that 18 to 29, I suspect, depending on the state. 445 00:21:25,417 --> 00:21:25,717 Yeah. 446 00:21:25,717 --> 00:21:29,988 Because what's going to happen is as the subsidy is reduced and the prices go 447 00:21:29,988 --> 00:21:33,025 up, our prices have pretty much stayed the same. 448 00:21:33,025 --> 00:21:35,961 I think our increase this year was 7% if I’m not mistaken. 449 00:21:35,961 --> 00:21:39,197 So, I mean, when you compare that to what's going on in the marketplace, 450 00:21:39,331 --> 00:21:40,399 that's pretty significant. 451 00:21:40,399 --> 00:21:43,468 And by the way, that's the same increase that we had last year. 452 00:21:43,468 --> 00:21:45,504 So we're very proud of the fact that we were able 453 00:21:45,504 --> 00:21:48,507 to keep it in the single digits and down to 7%. 454 00:21:48,607 --> 00:21:50,475 So again, you know, 455 00:21:51,810 --> 00:21:52,978 let's talk about some of the plans. 456 00:21:52,978 --> 00:21:56,014 So you mentioned the HSAs and some of the high deductible plans. 457 00:21:56,281 --> 00:21:59,284 And this goes back to you know, what Tracy was saying earlier. 458 00:21:59,584 --> 00:22:04,056 What the 25 year old Uber driver needs is not what the 55 year olds, 459 00:22:04,289 --> 00:22:07,359 you know, looking at retirement now in five years or ten years, 460 00:22:07,359 --> 00:22:09,561 whatever it is, they don't have any children at home. 461 00:22:09,561 --> 00:22:15,067 If they're empty nesters, an HSA at $6,500 probably makes a lot of sense. 462 00:22:15,100 --> 00:22:16,134 Yeah, no it does. 463 00:22:16,134 --> 00:22:20,005 And I think all of our call centers do a very good job with the needs analysis. 464 00:22:20,305 --> 00:22:24,242 So we can illustrate both the Aetna logo or Blue Cross if we're in Nebraska. 465 00:22:24,242 --> 00:22:27,212 And we can also show an EPO or PPO option. 466 00:22:27,646 --> 00:22:29,448 So we're trying to meet the members where we are at. 467 00:22:30,849 --> 00:22:33,552 Tracy mentioned Max Guard. 468 00:22:33,552 --> 00:22:36,822 So Max Guard literally it's a limited benefit 469 00:22:36,822 --> 00:22:39,825 offering with a price point roughly half of GigCare. 470 00:22:39,891 --> 00:22:44,463 So we had some conversations with some of our rideshare drivers, etc. 471 00:22:44,830 --> 00:22:49,668 it's probably represents about 30% of what we're marketing today for Max Guard. 472 00:22:49,668 --> 00:22:51,203 And then, for somebody 473 00:22:51,203 --> 00:22:54,272 who wants a more comprehensive plan, we have our GigCare solutions. 474 00:22:54,573 --> 00:22:54,840 Yeah. 475 00:22:54,840 --> 00:22:58,810 And so the idea here is that we've got something that fits 476 00:22:59,845 --> 00:23:03,181 whatever category you happen to be in if you're a senior citizen, 477 00:23:03,782 --> 00:23:07,152 or we're approaching senior citizen or you're 25, 478 00:23:07,152 --> 00:23:10,188 35 years old, maybe you've got, you know, 2 or 3 kids in the house. 479 00:23:10,322 --> 00:23:13,125 We've got different plans that offer better opportunity. 480 00:23:13,125 --> 00:23:16,661 So let's go back to EPO versus PPO because this is going to confuse people. 481 00:23:17,095 --> 00:23:20,699 So EPO, if you're on Aetna means you can go anywhere in the Aetna network, right? 482 00:23:21,032 --> 00:23:23,335 Yeah. Aetna networks are broad networks. 483 00:23:23,335 --> 00:23:27,439 The EPO simply means if there are out of network providers, they're not covered. 484 00:23:27,439 --> 00:23:28,907 You have to go in network. 485 00:23:28,907 --> 00:23:30,976 So our guys will work with you guys 486 00:23:30,976 --> 00:23:33,979 along those just to make sure the members understand the network. 487 00:23:34,112 --> 00:23:36,815 PPOs cost more than EPOs everything else being equal. 488 00:23:36,815 --> 00:23:39,918 But if you want an out of network solution BlueCross in Nebraska. 489 00:23:40,218 --> 00:23:43,622 So the idea there is that they're looking at the EPO. 490 00:23:43,622 --> 00:23:47,726 You've got access to the whole national network, but that's a huge network. 491 00:23:48,093 --> 00:23:49,895 It's some of the best hospitals in the country. 492 00:23:49,895 --> 00:23:54,533 MD, Anderson Sloan-Kettering go down the list okay, Mayo, they're all in there. 493 00:23:54,633 --> 00:23:57,803 If you're a traveling cross country, you have an accident or something happens. 494 00:23:57,803 --> 00:23:58,703 You need medical care. 495 00:23:58,703 --> 00:23:59,871 You're covered anyway. 496 00:23:59,871 --> 00:24:03,508 It's not that we're not covering you, but we're saying if you stay in the network, 497 00:24:03,508 --> 00:24:06,745 A, it's going to benefit you price wise, okay? 498 00:24:06,912 --> 00:24:08,880 And and it's an opportunity. 499 00:24:08,880 --> 00:24:11,049 You still got this huge network. 500 00:24:11,049 --> 00:24:13,051 Cary, I was with Aetna for 25 years. 501 00:24:13,051 --> 00:24:13,819 Yes you were. 502 00:24:13,819 --> 00:24:17,289 We used to run disruption analysis on all these large prospects. 503 00:24:17,289 --> 00:24:20,292 And if it got to more than one and a half or 2%, it was. 504 00:24:20,358 --> 00:24:21,693 It caught my attention. 505 00:24:21,693 --> 00:24:25,530 So yeah, there's hardly any out of network utilization with these large networks 506 00:24:25,530 --> 00:24:26,631 sometimes. That in particular. 507 00:24:26,631 --> 00:24:29,167 Yeah. Because because they offer such broad numbers here. 508 00:24:29,167 --> 00:24:31,703 I'm going to make a distinction here that's really kind of important. 509 00:24:31,703 --> 00:24:35,574 When you look at ACA those are narrow networks. 510 00:24:35,674 --> 00:24:37,142 You know why? 511 00:24:37,142 --> 00:24:38,210 I'll tell you why. 512 00:24:38,210 --> 00:24:41,079 Because if you control access you control cost. 513 00:24:41,079 --> 00:24:43,515 So what the carriers are trying to do 514 00:24:43,515 --> 00:24:46,751 because they are struggling to control cost under ACA, 515 00:24:46,751 --> 00:24:49,921 because you've got government mandated health care, here. 516 00:24:49,921 --> 00:24:51,823 And when the government mandates something, 517 00:24:51,823 --> 00:24:54,192 it doesn't leave a lot of leeway for these carriers 518 00:24:54,192 --> 00:24:56,261 to make sense out of this or even be competitive. 519 00:24:56,261 --> 00:24:58,530 So they squeeze the networks down. 520 00:24:58,530 --> 00:25:02,067 Well, the problem is, if you happen to live in Nebraska 521 00:25:02,300 --> 00:25:03,768 and you're in Grand Island 522 00:25:03,768 --> 00:25:07,072 or you're in Scott City, Kansas, you may not have a provider. 523 00:25:07,405 --> 00:25:09,641 You may be in a situation where you have to drive an hour, 524 00:25:09,641 --> 00:25:12,544 45 minutes, whatever it is to get to a primary care. 525 00:25:12,544 --> 00:25:13,945 And if you need a hospital, 526 00:25:13,945 --> 00:25:14,880 you're going to go to one of the 527 00:25:14,880 --> 00:25:18,183 metropolitan areas for a hospital, because rural hospitals are typically 528 00:25:18,183 --> 00:25:19,150 not in these networks. 529 00:25:19,150 --> 00:25:22,754 When you contrast that with the Aetna national network, where 530 00:25:22,754 --> 00:25:27,292 you've got coverage across the country, there's a significant difference here. 531 00:25:27,292 --> 00:25:31,630 So, you know, when we talk about these plans versus the ACA plans, 532 00:25:31,630 --> 00:25:34,199 those are some of the things that we think separate us. 533 00:25:34,199 --> 00:25:37,068 That particular piece on networks and access. 534 00:25:37,068 --> 00:25:39,004 If you're in a rural community, 535 00:25:39,004 --> 00:25:41,273 this can be really, really important to you. 536 00:25:41,273 --> 00:25:42,207 And again, 537 00:25:42,207 --> 00:25:47,045 you know, if you do want the PPO versus the EPO, the EPO cost less money. 538 00:25:47,212 --> 00:25:50,782 It's a great way to save some money and still have a great plan and great access. 539 00:25:51,483 --> 00:25:53,785 There's coverage there for you, so that makes a difference. 540 00:25:53,785 --> 00:25:57,389 Let's switch gears just a little bit and talk about some of the differences. 541 00:25:57,389 --> 00:26:00,091 So Tracy, let's talk a little about the telehealth program 542 00:26:00,091 --> 00:26:03,094 because I think our telehealth program this is really funny. 543 00:26:03,328 --> 00:26:06,398 I saw an analysis the other day for the carriers are now charging 544 00:26:06,398 --> 00:26:11,903 for telehealth, anywhere from $25 to $65 for a telehealth visit. 545 00:26:11,903 --> 00:26:13,738 We don't charge for any of that. 546 00:26:13,738 --> 00:26:16,341 Right? When you're using our telemedicine. 547 00:26:16,341 --> 00:26:17,943 MyLiveDoc Correct. 548 00:26:17,943 --> 00:26:20,412 And but that's all about preference to. Right. 549 00:26:20,412 --> 00:26:22,847 You're going back to that age where 550 00:26:22,847 --> 00:26:25,951 they're used to what they're used to that was on the back of their card. 551 00:26:25,951 --> 00:26:30,055 We've partnered to provide this free telehealth, right. 552 00:26:30,055 --> 00:26:30,722 It's free. 553 00:26:30,722 --> 00:26:35,193 But this is the avenue in which you get to seek that care. 554 00:26:35,226 --> 00:26:37,729 So it's very, very different in that respect. 555 00:26:37,729 --> 00:26:38,563 Very different. 556 00:26:38,563 --> 00:26:40,098 And there's three things we offer here. 557 00:26:40,098 --> 00:26:43,802 So first of all there's 24/7 urgent care emergency care. 558 00:26:43,802 --> 00:26:48,473 So the analysis I always like to use is, mom comes home from work at 5:30 at night. 559 00:26:48,840 --> 00:26:50,141 Johnny's got pinkeye. 560 00:26:50,141 --> 00:26:52,077 She's got to put him in the car drive him to urgent 561 00:26:52,077 --> 00:26:55,814 care, wait 45 minutes to an hour to see a provider get a prescription. 562 00:26:55,814 --> 00:26:57,515 Go get the prescription. Drive back home. 563 00:26:57,515 --> 00:26:59,184 She's just took two hours out of her day now. 564 00:26:59,184 --> 00:27:00,619 It's 7:30 at night. 565 00:27:00,619 --> 00:27:02,921 She's dead tired, and she's had to do all of this. 566 00:27:02,921 --> 00:27:06,758 Or, if they’re on our plan they can go to mylivedoc, 567 00:27:06,758 --> 00:27:10,161 pull up 24/7 a doctor, a nurse practitioner. 568 00:27:10,295 --> 00:27:12,330 Johnny sits down in front of the computer. 569 00:27:12,330 --> 00:27:14,933 Doctor goes, you got conjunctivitis, young man. 570 00:27:14,933 --> 00:27:17,569 Here's the prescription, mom. It took 15 minutes. 571 00:27:17,569 --> 00:27:19,871 So we think, especially in the rural communities 572 00:27:19,871 --> 00:27:23,008 where they have to go a long way back and forth as you just said, Tracy, 573 00:27:23,241 --> 00:27:24,709 this can make a big difference. 574 00:27:24,709 --> 00:27:28,146 The other thing that we do here is, again, we go back to rural communities. 575 00:27:28,413 --> 00:27:31,449 If you find a primary care provider on there that you like, 576 00:27:31,650 --> 00:27:34,619 maybe you live in Scott City, Kansas, you don't want to drive. 577 00:27:34,619 --> 00:27:35,820 Whatever the case may be, 578 00:27:35,820 --> 00:27:38,823 you can stay with that primary care doctor in a third piece. 579 00:27:39,024 --> 00:27:40,392 And this is really kind of important. 580 00:27:40,392 --> 00:27:44,229 I just did a show on this is Ryan Lefebvre, 27 year 581 00:27:44,229 --> 00:27:47,499 broadcaster with the Kansas City Royals about mental health and behavioral health. 582 00:27:47,799 --> 00:27:51,102 There is a crisis in this country of mental health 583 00:27:51,102 --> 00:27:54,172 and behavioral health, especially in young people. 584 00:27:54,439 --> 00:27:55,907 You know, you see all this, John? 585 00:27:55,907 --> 00:27:57,042 You've got two boys now 586 00:27:57,042 --> 00:28:00,812 that are grown and out of the house, but I've got six grandchildren, okay. 587 00:28:00,812 --> 00:28:03,515 They're not there yet, but they're getting there. 588 00:28:03,515 --> 00:28:07,118 I've got one 17 year old and there's a lot of concern about the 589 00:28:07,118 --> 00:28:07,986 pressure that's on them 590 00:28:09,220 --> 00:28:11,556 with all of these issues on behavioral health, 591 00:28:11,556 --> 00:28:14,392 the beauty of this program, these are free. 592 00:28:14,392 --> 00:28:17,162 There's four free business for everybody in the family. 593 00:28:17,162 --> 00:28:19,030 Your son, your daughter's having problems. 594 00:28:19,030 --> 00:28:20,331 You know, they're having problems. 595 00:28:20,331 --> 00:28:23,001 You can bring up that behavioral health provider. 596 00:28:23,001 --> 00:28:25,170 They can sit in a room with the door closed on a computer, 597 00:28:25,170 --> 00:28:28,039 and they can go back and forth and talk to them. How important is that private. 598 00:28:28,039 --> 00:28:30,842 The generations all access care differently? 599 00:28:30,842 --> 00:28:33,878 I want to be face to face with the doc, my 28 and 24 year olds don’t. 600 00:28:34,045 --> 00:28:35,246 That's our generation. 601 00:28:35,246 --> 00:28:36,314 They don't want to be face to face. 602 00:28:36,314 --> 00:28:39,751 My two boys want to be virtual, so we have to meet members where they're at. 603 00:28:40,018 --> 00:28:42,721 The other thing I want to mention, Cary, Tracy mentioned this earlier. 604 00:28:42,721 --> 00:28:45,724 The proactive outbound nature of what we do 605 00:28:45,757 --> 00:28:48,960 is extremely important because we're engaging the disengaged. 606 00:28:49,194 --> 00:28:51,696 The disengaged will cost four times the engage. 607 00:28:51,696 --> 00:28:55,100 So our ability to proactively reach out to members is really important. 608 00:28:55,100 --> 00:28:57,635 It goes back to that Population Science Management. 609 00:28:57,635 --> 00:28:58,436 Right. 610 00:28:58,436 --> 00:29:03,808 We're going to have different generations allowing them the ability to access 611 00:29:03,808 --> 00:29:07,846 care at different points where it intersects their life. 612 00:29:07,912 --> 00:29:09,714 Right where they are and what they want. 613 00:29:09,714 --> 00:29:13,118 If you want information on GigCare the website is GigCare.net. 614 00:29:13,118 --> 00:29:14,052 GigCare.net. 615 00:29:14,052 --> 00:29:18,022 The phone number 866-886-2030. 616 00:29:18,022 --> 00:29:21,192 866-886-2030. Stay tuned. 617 00:29:21,192 --> 00:29:23,061 We'll be right back after the break with more. 618 00:29:29,667 --> 00:29:32,103 We're talking about what are you talking about, John? 619 00:29:32,103 --> 00:29:33,972 The upcoming what are we calling it? 620 00:29:33,972 --> 00:29:34,906 the Mega Tsunami, Cary. 621 00:29:34,906 --> 00:29:36,775 The mega tsunami is coming. 622 00:29:36,775 --> 00:29:40,178 Only, fewer than 20 states have finalized their ACA rates. 623 00:29:40,178 --> 00:29:43,381 The average projected increase for the ACA and independent 624 00:29:43,381 --> 00:29:46,417 of what happens with the subsidies is over 23%. 625 00:29:46,751 --> 00:29:49,654 A number of states are well into the 30s. 626 00:29:49,654 --> 00:29:54,058 For those losing subsidies, it could easily get into the 75 to 100% range. 627 00:29:54,058 --> 00:29:55,693 So some members losing 628 00:29:55,693 --> 00:29:59,464 subsidies will literally see their prices double within the ACA. 629 00:29:59,464 --> 00:30:03,601 So we think that PSM, the Population Science Management 630 00:30:03,601 --> 00:30:05,236 offer of the GigCare product, 631 00:30:05,236 --> 00:30:08,740 is an alternative that people and brokers really need to take a look at. 632 00:30:09,107 --> 00:30:10,975 A variety of solutions. 633 00:30:10,975 --> 00:30:14,712 Aetna, Blue Cross, EPOs, PPOs that are going to meet members needs right where. 634 00:30:14,712 --> 00:30:16,080 They are welcome back. 635 00:30:16,080 --> 00:30:19,951 You're listening to America's Healthcare Advocate Show, broadcasting coast to coast 636 00:30:19,951 --> 00:30:23,087 across the USA here on the HIA Radio Network. 637 00:30:23,087 --> 00:30:26,925 If you have a question or problem, please feel free to reach out to me. 638 00:30:26,925 --> 00:30:29,694 I'm happy to help you, in any way that I can. 639 00:30:29,694 --> 00:30:32,430 The websites AmericasHealthcareAdvocate.com. 640 00:30:32,430 --> 00:30:36,167 If you are interested in the GigCare product, you want to know more about it. 641 00:30:36,401 --> 00:30:39,237 You think it might be a fit for you, or maybe might be a fit 642 00:30:39,237 --> 00:30:40,772 for some people in your company? 643 00:30:40,772 --> 00:30:44,375 If you've got 1099 workers that you can't offer any coverage to, 644 00:30:44,542 --> 00:30:47,545 this is a great way to introduce them to GigCare. 645 00:30:47,612 --> 00:30:48,479 Great way to do it. 646 00:30:48,479 --> 00:30:50,615 The website is GigCare.net. 647 00:30:50,615 --> 00:30:53,985 The phone numbers 866-886-2030. 648 00:30:53,985 --> 00:30:56,654 866-886-2030. 649 00:30:56,654 --> 00:31:00,625 Somebody like the lovely Tracy Krause will be happy to help you and talk to you 650 00:31:00,625 --> 00:31:01,426 about the plans. 651 00:31:01,426 --> 00:31:03,695 Different plans, different sets of plans. 652 00:31:03,695 --> 00:31:06,931 You heard Tracy talk about that from Unlimited Med to our Group 653 00:31:06,931 --> 00:31:10,735 Benefits side to our Individual side, which is, GigCare. 654 00:31:11,002 --> 00:31:11,202 All right. 655 00:31:11,202 --> 00:31:14,439 John, let's talk a little bit about this super tsunami a little bit 656 00:31:14,672 --> 00:31:17,508 and kind of educate people, I guess. 657 00:31:17,508 --> 00:31:19,277 Make it easy on me. I'm sorry. So 658 00:31:20,378 --> 00:31:23,381 we've had a number of conversations and most recently 659 00:31:23,381 --> 00:31:27,452 a large farmers co-op used the term whiplash is coming. 660 00:31:27,452 --> 00:31:28,686 And here's why. 661 00:31:28,686 --> 00:31:32,924 So fewer than 20 states have finalized their 2026 ACA rates. 662 00:31:33,892 --> 00:31:38,029 We have this shutdown that's really due in large part to subsidies. 663 00:31:38,363 --> 00:31:41,599 So people haven't seen their their state's final ACA rates. 664 00:31:41,966 --> 00:31:43,201 Most often. 665 00:31:43,201 --> 00:31:45,603 They don't know what's going to happen to the subsidies. 666 00:31:45,603 --> 00:31:49,140 So people generally are unaware of this tsunami 667 00:31:49,140 --> 00:31:51,643 or this mega tsunami that's on the way. 668 00:31:51,643 --> 00:31:54,312 So the term that was used as there's going to be 669 00:31:54,312 --> 00:31:57,348 some whiplash when people open their ACA statement. 670 00:31:57,348 --> 00:32:00,451 So the thing I want to make brokers aware of is 671 00:32:00,451 --> 00:32:04,956 there's a lot of unknown and, naivete, 672 00:32:04,956 --> 00:32:08,559 if I can use that word around where things are going with the ACA. 673 00:32:09,093 --> 00:32:11,396 So the beautiful thing about, 674 00:32:11,396 --> 00:32:14,399 our offering is they can enroll in GigCare in any month out of the year. 675 00:32:14,799 --> 00:32:17,168 So there's no open enrollment to open enrollment. 676 00:32:17,168 --> 00:32:20,838 So, ACA is the all around January 1st, right? 677 00:32:20,838 --> 00:32:26,110 So we are very busy enrolling people right now, but certainly with this whiplash 678 00:32:26,110 --> 00:32:30,415 that's going to kick into effect, people can jump off the ACA whenever they want. 679 00:32:30,415 --> 00:32:32,951 And and we're a solution any month of the year. 680 00:32:32,951 --> 00:32:35,586 That's that's an important consideration that I wanted to point out. 681 00:32:35,586 --> 00:32:36,220 Yeah it is. 682 00:32:36,220 --> 00:32:37,689 And when the dust settles 683 00:32:37,689 --> 00:32:41,926 and we see where we're at with subsidies and all the rest of it, yeah. 684 00:32:42,026 --> 00:32:45,029 I think your comment about whiplash is, is spot on. 685 00:32:45,196 --> 00:32:47,432 Yeah. So brokers need to educate what's going on. 686 00:32:47,432 --> 00:32:50,234 And again, you know, you're a broker out there. 687 00:32:50,234 --> 00:32:51,970 This is something you really ought to take a look at. 688 00:32:51,970 --> 00:32:54,272 It's going to make a difference for you. It's going to make a difference 689 00:32:54,272 --> 00:32:56,941 for your client and maybe their clients out there. 690 00:32:56,941 --> 00:32:57,408 You can't 691 00:32:57,408 --> 00:32:59,744 you have not been able to get in the door to talk to them 692 00:32:59,744 --> 00:33:01,312 because you didn't have a product to offer. 693 00:33:01,312 --> 00:33:02,880 You do now, okay. 694 00:33:02,880 --> 00:33:05,583 It's called GigCare. The website is GigCare.net. 695 00:33:05,583 --> 00:33:06,250 There are a couple of things 696 00:33:06,250 --> 00:33:08,553 I want to touch on, though, that are a little different. What we do. 697 00:33:08,553 --> 00:33:11,689 We like to say that we offer some different benefits. 698 00:33:11,923 --> 00:33:14,926 Benefits that are not the same as what are on the ACA plan. 699 00:33:14,959 --> 00:33:17,328 So we have a program called Green Imaging. 700 00:33:17,328 --> 00:33:21,933 And if you need an MRI or a CT scan, you can get a voucher from us 701 00:33:21,933 --> 00:33:23,001 from Green Imaging. 702 00:33:23,001 --> 00:33:25,336 And you're going to go to an independent imaging center. 703 00:33:25,336 --> 00:33:28,473 And you're going to get that MRI and that CT scan done, 704 00:33:28,639 --> 00:33:30,508 and you're not going to pay anything for it. 705 00:33:30,508 --> 00:33:31,275 That's right. 706 00:33:31,275 --> 00:33:33,711 No deductible, no co-insurance and no co-pay. 707 00:33:33,711 --> 00:33:35,213 That's part of what we do. 708 00:33:35,213 --> 00:33:40,084 We're different than ACA because we can do things that the ACA plans can't do. 709 00:33:40,084 --> 00:33:43,087 Some of the other things we do we do drug importation. 710 00:33:43,321 --> 00:33:46,224 So we have three different programs we can help people with on drug 711 00:33:46,224 --> 00:33:50,628 importation, and foundational assistance, if they have a very expensive 712 00:33:50,628 --> 00:33:54,532 med like a growth hormone, that they that they can't afford. 713 00:33:54,766 --> 00:33:56,667 We have a foundational assistance program. 714 00:33:56,667 --> 00:34:00,371 You know, who does all that paperwork, all of our nurses at Script Aid. 715 00:34:00,538 --> 00:34:03,541 We don't put that back on the client as Tracy says, 716 00:34:03,574 --> 00:34:06,477 we're there to serve the member, and that's what we do. 717 00:34:06,477 --> 00:34:08,846 So those are a couple of things very different about us. 718 00:34:08,846 --> 00:34:10,681 We talked a little bit about mylivedoc. 719 00:34:10,681 --> 00:34:12,383 We think it's a great program. 720 00:34:12,383 --> 00:34:16,087 Again, there is no copay when you use mylivedoc, 721 00:34:16,087 --> 00:34:20,425 whether it's mental health, urgent care or just primary care, there is no co-pay. 722 00:34:20,691 --> 00:34:23,027 And then we have another program for diabetes. 723 00:34:23,027 --> 00:34:26,731 And if you're a diabetic, we're going to enroll you and Diet Thrive. 724 00:34:27,498 --> 00:34:30,501 That program is going to make sure you got your A1C. 725 00:34:30,501 --> 00:34:31,803 They're going to make sure 726 00:34:31,803 --> 00:34:35,506 if you're taking metformin is being drop shipped to your door, or you're getting it 727 00:34:35,706 --> 00:34:39,177 and you're taking your medication so that we're managing the disease. 728 00:34:39,477 --> 00:34:43,281 You know, John, how important is it to manage chronic disease in terms of, 729 00:34:44,582 --> 00:34:45,183 you know, 730 00:34:45,183 --> 00:34:49,253 giving people what they need, but being able to keep cost under control 731 00:34:49,253 --> 00:34:51,255 because you're being proactive, not reactive? 732 00:34:51,255 --> 00:34:53,891 Yeah. No, that's, 733 00:34:53,891 --> 00:34:57,128 for us to help our clients and our members 734 00:34:57,128 --> 00:35:00,565 to be engaged, Cary, doing the things they know they're supposed to be doing. 735 00:35:00,565 --> 00:35:03,434 We’re the most obese country in the world. 736 00:35:03,434 --> 00:35:07,839 So coming alongside plan sponsors, employers, members to really 737 00:35:07,839 --> 00:35:12,310 help them engage in a path to a journey of wellness is extremely important. 738 00:35:12,310 --> 00:35:16,114 And what we do now is going to show when we get further down the path in our years. 739 00:35:16,514 --> 00:35:19,117 Yeah, it is, and it's critically important that we do this 740 00:35:19,117 --> 00:35:21,185 in a way that serves people, 741 00:35:21,185 --> 00:35:23,554 and gives them that opportunity for these plans 742 00:35:23,554 --> 00:35:26,324 that are going to make a difference for them because they are different. 743 00:35:26,324 --> 00:35:29,327 Yeah, we're we're serving different pieces in the marketplace. 744 00:35:29,760 --> 00:35:32,830 And we think that if you're one of those folks out there 745 00:35:32,830 --> 00:35:35,733 looking for this kind of coverage, and you, as John has said 746 00:35:35,733 --> 00:35:39,737 and as Tracy has said, you know, there is a maga tsunami on the coming. 747 00:35:39,737 --> 00:35:43,007 It's going to have a tremendous impact in this country on a lot of folks. 748 00:35:43,774 --> 00:35:46,777 Our plans, we think are more affordable. 749 00:35:46,811 --> 00:35:49,814 You'll see that when you actually look at the plans and different plan designs, 750 00:35:49,881 --> 00:35:50,815 they're more flexible. 751 00:35:50,815 --> 00:35:55,453 We have far more designs and opportunities than what are offered on ACA 752 00:35:55,453 --> 00:35:59,423 because we can because we're regulated differently than ACA is. 753 00:35:59,423 --> 00:36:03,227 We're regulated by the Department of Labor under the ERISA laws. 754 00:36:03,394 --> 00:36:05,163 So we're compliant with all of that. 755 00:36:05,163 --> 00:36:09,400 But it makes it different for us in terms of the product we offer. 756 00:36:09,400 --> 00:36:11,235 So if you're the broker out there 757 00:36:11,235 --> 00:36:14,172 and you're looking for something to serve a marketplace, 758 00:36:14,172 --> 00:36:17,708 and I'll give you a couple of examples we have, what do we have five different 759 00:36:17,708 --> 00:36:21,913 initiatives with major real estate firms going on right now, from Reese Nichols to, 760 00:36:23,147 --> 00:36:25,383 I mean, go down the list, Better Homes and Gardens. 761 00:36:25,383 --> 00:36:29,820 So we've got a whole series of, and we've got associations of realtors 762 00:36:29,820 --> 00:36:33,858 where they're the Missouri Association or the Kansas or the Iowa, whatever it is. 763 00:36:33,858 --> 00:36:37,094 Okay, that are happy to have this product because these realtors, 764 00:36:37,461 --> 00:36:39,664 you know, have been on ACA and I'll give you an example one, 765 00:36:39,664 --> 00:36:42,900 before we close out the show here, the gentleman was 52 years old. 766 00:36:42,900 --> 00:36:44,302 He worked at Reese Nichols. 767 00:36:44,302 --> 00:36:47,572 He has a wife and one child is paying $3,100 a month. 768 00:36:47,905 --> 00:36:50,841 He moved to the GigCare plan on an HSA 769 00:36:50,841 --> 00:36:55,046 with a $5,500 deductible, and he dropped his cost of $1,400 a month. 770 00:36:55,379 --> 00:36:59,016 Better plan, better price, better opportunities. 771 00:36:59,016 --> 00:37:00,318 That's what GigCare offers. 772 00:37:00,318 --> 00:37:04,188 If you want information on it, go to the website GigCare.net. 773 00:37:04,488 --> 00:37:06,224 That's GigCare net. 774 00:37:06,224 --> 00:37:09,560 The phone number 866-886-2030. 775 00:37:09,560 --> 00:37:12,196 866-886-2030. 776 00:37:12,196 --> 00:37:15,166 If you're a broker, you owe it to yourself to take a look at this. 777 00:37:15,166 --> 00:37:18,836 If you're an employer out there and you've got those 1099 employees 778 00:37:18,836 --> 00:37:22,240 and you have nothing to offer them, this is an opportunity. 779 00:37:22,240 --> 00:37:26,010 If you're an association looking for a way to offer something 780 00:37:26,010 --> 00:37:29,680 to the members of your association, this is a great opportunity. 781 00:37:29,680 --> 00:37:32,717 And we've got a lot of associations now, John, that are 782 00:37:32,750 --> 00:37:35,753 that are engaging with us to offer this plan across the country. 783 00:37:35,820 --> 00:37:36,120 Yeah. 784 00:37:36,120 --> 00:37:39,390 Again Mega Tsunmi, take the high ground and we’re the high ground Cary. 785 00:37:39,423 --> 00:37:41,325 Yeah, we do believe we are the high ground. 786 00:37:41,325 --> 00:37:41,559 Okay. 787 00:37:41,559 --> 00:37:44,795 Population Science Management has those plans 788 00:37:44,795 --> 00:37:48,366 that we're going to fit each one of your individual client's needs. 789 00:37:48,566 --> 00:37:51,569 So again and I urge you, if you want information go to the website 790 00:37:51,702 --> 00:37:55,673 gigcare.net or call 866-886-2030. 791 00:37:56,040 --> 00:37:59,043 And now I leave you with this thought from Albert Einstein, 792 00:37:59,210 --> 00:38:01,145 the one who follows the crowd they usually get 793 00:38:01,145 --> 00:38:03,748 no further than the crowd, the one who walks alone 794 00:38:03,748 --> 00:38:06,751 is likely to find himself in places no one has ever been. 795 00:38:07,051 --> 00:38:08,986 Remember, friends, it's a funny thing about life. 796 00:38:08,986 --> 00:38:13,424 If you refuse to accept anything but the very best, you most often get it. 797 00:38:13,691 --> 00:38:16,560 Thank you for listening to America's Healthcare Advocate Show 798 00:38:16,560 --> 00:38:19,530 broadcasting coast to coast across the USA. 799 00:38:19,664 --> 00:38:20,965 Goodbye, America.