1 00:00:12,912 --> 00:00:14,714 We have two guests in studio today. 2 00:00:14,714 --> 00:00:16,449 Debbie Klintworth and John Kuhlmann. 3 00:00:16,449 --> 00:00:19,552 Why Debbie Klintworth is using the GigCare program. 4 00:00:19,552 --> 00:00:21,888 And why associations are adopting it. 5 00:00:21,888 --> 00:00:22,622 And John Kuhlmann 6 00:00:22,622 --> 00:00:25,892 is going to talk about that and all the associations he works with. 7 00:00:25,892 --> 00:00:26,926 If you're a small business, 8 00:00:26,926 --> 00:00:29,929 if you're an association member, maybe you're a director. 9 00:00:30,030 --> 00:00:31,297 You want to listen to this show. 10 00:00:31,297 --> 00:00:34,300 Stay tuned, listen and learn. 11 00:00:35,068 --> 00:00:39,005 And now America's Healthcare Advocate, Cary Hall. 12 00:00:39,439 --> 00:00:40,173 Hello, America. 13 00:00:40,173 --> 00:00:41,107 Welcome to America's 14 00:00:41,107 --> 00:00:44,677 Healthcare Advocate show, broadcasting Coast to coast across USA. 15 00:00:44,911 --> 00:00:46,946 Here on the HIA Radio Network. 16 00:00:46,946 --> 00:00:47,580 You can find out 17 00:00:47,580 --> 00:00:51,785 more about us by going to the website AmericasHealthcareAdvocate.com. 18 00:00:51,785 --> 00:00:54,154 You have a question or comment? Send it to me. 19 00:00:54,154 --> 00:00:57,090 I get a lot of emails. I answer each and every one of them. 20 00:00:57,090 --> 00:01:00,326 You can also find these shows on our 16 podcast platforms 21 00:01:00,560 --> 00:01:03,329 like iHeart, Spotify and Rumble. 22 00:01:03,329 --> 00:01:06,599 That's just three of the 16 and our YouTube channel, 23 00:01:06,599 --> 00:01:08,535 which is America's Healthcare Advocate, where 24 00:01:08,535 --> 00:01:12,739 we've got about 608,000 views right now between that and the podcast platform. 25 00:01:13,173 --> 00:01:15,875 And that's because of all of you out there in the listening audience. 26 00:01:15,875 --> 00:01:17,577 So we're very happy about that. 27 00:01:17,577 --> 00:01:19,345 Want to thank all you for that. 28 00:01:19,345 --> 00:01:19,579 All right. 29 00:01:19,579 --> 00:01:21,781 In studio today we are going to do something a little different. 30 00:01:21,781 --> 00:01:24,551 We have guests in here today, and we’re going to be talking 31 00:01:24,551 --> 00:01:27,554 about the United Appliance Servicers Association. 32 00:01:27,620 --> 00:01:30,824 And you may be asking what is that got to do with health care? 33 00:01:30,824 --> 00:01:31,691 Well, we’re 34 00:01:31,691 --> 00:01:36,596 going to be talking about GigCare and how GigCare works for 1099 employees. 35 00:01:36,596 --> 00:01:42,235 And in studio with me today, I have Debbie Klintworth, and she is the CEO of Sloan 36 00:01:42,235 --> 00:01:47,073 Appliance in Carolina, or D3S Appliance Services in Texas. 37 00:01:47,073 --> 00:01:49,742 The two companies welcome. Very happy to have you here today. 38 00:01:49,742 --> 00:01:50,910 Thank you so much for having me. 39 00:01:50,910 --> 00:01:53,446 And we've got an old veteran in here with us today. 40 00:01:53,446 --> 00:01:55,281 John Kuhlmann's back for another show. 41 00:01:55,281 --> 00:01:56,616 So welcome back John. 42 00:01:56,616 --> 00:01:59,085 Thanks for joining the group. We're happy to have you on board. 43 00:01:59,085 --> 00:02:01,321 And by the way, speaking of radio affiliates, 44 00:02:01,321 --> 00:02:04,891 we have a brand new affiliate in Manchester, New Hampshire. 45 00:02:04,891 --> 00:02:10,163 WFEA am one of our brand new affiliates in Manchester, New Hampshire. 46 00:02:10,163 --> 00:02:12,966 We're on there from seven in the morning to eight in the morning. 47 00:02:12,966 --> 00:02:16,202 We want to welcome them to the family and we're very happy to have them on board. 48 00:02:16,202 --> 00:02:17,937 So thank you all so much. 49 00:02:17,937 --> 00:02:21,307 So, you know, let me just start out with appliance repair. 50 00:02:21,307 --> 00:02:23,009 This is really kind of interesting. 51 00:02:23,009 --> 00:02:24,811 So I live in a house is three years old. 52 00:02:24,811 --> 00:02:26,112 We just built it. 53 00:02:26,112 --> 00:02:29,015 I bet you I've had an appliance repairman out to that house 54 00:02:29,015 --> 00:02:30,617 no less than 10 or 11 times. 55 00:02:30,617 --> 00:02:32,552 So we had the wine refrigerator go. 56 00:02:32,552 --> 00:02:34,888 We had the ovens where the temperature wasn't right. 57 00:02:34,888 --> 00:02:37,290 We had the hood section that wasn't working. 58 00:02:37,290 --> 00:02:40,727 We had the heat lamp outside that kept going off that we couldn't get on. 59 00:02:41,161 --> 00:02:44,464 And luckily for us, every one of these people from these different companies 60 00:02:44,464 --> 00:02:46,833 that we called have sent out quality people. 61 00:02:46,833 --> 00:02:47,934 They did a great job. 62 00:02:47,934 --> 00:02:50,803 They're very polite and, and and they fixed it. 63 00:02:50,803 --> 00:02:54,174 So, you know, like I always tell my wife, you know, I can fix anything. 64 00:02:54,174 --> 00:02:56,576 All I need to do is get on the phone, okay? 65 00:02:56,576 --> 00:03:01,781 So having so having a group in here like these folks today, United Appliance 66 00:03:01,781 --> 00:03:06,019 Servicers Association and Debbie in here, who owns two companies 67 00:03:06,019 --> 00:03:07,921 that belong to this association. 68 00:03:07,921 --> 00:03:10,957 First of all, just talk about the association for a few minutes. And 69 00:03:12,058 --> 00:03:14,060 this is the last thing I would have ever thought of. 70 00:03:14,060 --> 00:03:15,828 There was actually an association 71 00:03:15,828 --> 00:03:18,765 of appliance repair people, but it makes perfect sense. 72 00:03:18,765 --> 00:03:21,734 So talk a little bit about that and why you are in that. 73 00:03:21,734 --> 00:03:24,737 And a lot of other people with companies like yours. 74 00:03:25,004 --> 00:03:25,872 Absolutely. 75 00:03:25,872 --> 00:03:32,845 We have been around for about 36 or 37 years as an organization. 76 00:03:33,012 --> 00:03:37,951 Wow. It started to actually level up the playing field 77 00:03:37,951 --> 00:03:41,754 for all of the companies so that we could become more professional. 78 00:03:42,855 --> 00:03:45,692 A lot of the people that do appliance repair 79 00:03:45,692 --> 00:03:50,096 know how to fix appliances, but they don't know how to run a business. 80 00:03:50,463 --> 00:03:54,934 And so it was to bridge that gap so that you won't see that, 81 00:03:54,934 --> 00:03:58,605 that you see a professional image from the outside looking in. 82 00:03:59,072 --> 00:04:03,176 And so this organization was started to bring each company up 83 00:04:03,543 --> 00:04:05,178 to teach them what they don't know. 84 00:04:05,178 --> 00:04:08,281 Because you don't know what you don't know until it's really bad. 85 00:04:08,648 --> 00:04:11,150 And so we we bring it all together. 86 00:04:11,150 --> 00:04:15,154 We talk, we network and we work with the manufacturers 87 00:04:15,521 --> 00:04:18,524 GE, Electrolux, you know, 88 00:04:18,825 --> 00:04:21,794 Bosch, LG, all of them come to the conference. 89 00:04:21,794 --> 00:04:24,230 They give training. Really. Yes okay. 90 00:04:24,230 --> 00:04:27,233 So we partner with them. So quick story. 91 00:04:27,333 --> 00:04:30,003 We had a mixer valve 92 00:04:30,003 --> 00:04:35,041 that our builder put in our shower and it happened to be a Delta valve. 93 00:04:35,041 --> 00:04:38,011 But it's made in Germany the most. 94 00:04:38,211 --> 00:04:39,812 I'm like okay for real. Yeah. 95 00:04:39,812 --> 00:04:41,414 Well when when the repair 96 00:04:41,414 --> 00:04:44,917 people came to change it out, they wouldn't send it to them 97 00:04:45,385 --> 00:04:48,855 because it had to come to us because we were the clients. 98 00:04:48,855 --> 00:04:50,356 So they gave us the information. 99 00:04:50,356 --> 00:04:52,125 I called Delta, they're very nice. 100 00:04:52,125 --> 00:04:53,626 They sent the thing out and we got it. 101 00:04:53,626 --> 00:04:54,961 But I was like, for real? 102 00:04:54,961 --> 00:04:59,098 And they're only certain people in that company is one guy that understands 103 00:04:59,098 --> 00:05:00,900 how to put that thing. Yeah. 104 00:05:00,900 --> 00:05:02,168 And so yeah. 105 00:05:02,168 --> 00:05:06,039 So I so the training piece to me sounds like that's a pretty big deal 106 00:05:06,039 --> 00:05:09,609 because these things are constantly changing in today's world. 107 00:05:09,609 --> 00:05:13,212 You know what what a television did ten years ago 108 00:05:13,246 --> 00:05:16,916 five years ago is not what the televisions I have in my house do now. 109 00:05:17,150 --> 00:05:20,553 It's just so so you're constantly updating them. 110 00:05:20,553 --> 00:05:25,291 And so the, the companies are actually working in conjunction with you. 111 00:05:25,291 --> 00:05:28,528 So they know the best technology and the best way to fix these things. 112 00:05:28,828 --> 00:05:29,562 Absolutely. 113 00:05:29,562 --> 00:05:32,131 They come in, they bring refrigerators, 114 00:05:32,131 --> 00:05:36,102 they bring ranges to the hotel where we have the conferences, 115 00:05:36,402 --> 00:05:40,773 and we actually break them down, learn how to fix them, go over, 116 00:05:41,140 --> 00:05:45,511 you know, issues that every one of them is having and teaching. 117 00:05:45,511 --> 00:05:49,382 It's a wonderful time for them to connect with the engineers, 118 00:05:49,382 --> 00:05:54,587 the the trainers and the executives to show up. 119 00:05:54,620 --> 00:05:56,989 Yes. Yeah, that really is amazing. 120 00:05:56,989 --> 00:05:58,324 So that's interesting here. 121 00:05:58,324 --> 00:06:01,861 So they actually physically get to go through and do these things. 122 00:06:01,861 --> 00:06:03,930 And you have 600 people at this thing. 123 00:06:03,930 --> 00:06:05,398 We do. Yeah. 124 00:06:05,398 --> 00:06:08,468 And that's a small conference a lot of people don't know. 125 00:06:08,468 --> 00:06:11,838 There are I think from the numbers that I have 126 00:06:11,838 --> 00:06:15,241 heard, 40,000 appliance repair companies across the nation, 127 00:06:15,241 --> 00:06:19,112 and we haven't even touched the surface of all of them coming. 128 00:06:19,112 --> 00:06:20,446 And I'll tell you a funny story. 129 00:06:21,814 --> 00:06:22,815 My husband and I run the 130 00:06:22,815 --> 00:06:26,018 business together, and I didn't want to go to the conference 131 00:06:26,018 --> 00:06:29,822 the first time because I said, no one's going to teach me how to run my business. 132 00:06:29,822 --> 00:06:32,792 I'm doing just fine. 133 00:06:32,925 --> 00:06:34,193 And I love the confidence. 134 00:06:34,193 --> 00:06:35,194 John. 135 00:06:35,194 --> 00:06:37,196 Debbie's very calm, I can tell. 136 00:06:37,196 --> 00:06:38,731 Yeah, and very successful. 137 00:06:38,731 --> 00:06:38,965 Yeah. 138 00:06:38,965 --> 00:06:44,137 I did not need someone telling me how to run my company, but I learned so much. 139 00:06:44,570 --> 00:06:46,072 We all have the same problems. 140 00:06:46,072 --> 00:06:47,373 We're all running a business, 141 00:06:47,373 --> 00:06:50,510 and we all network together and give each other ideas. 142 00:06:50,843 --> 00:06:55,214 And one idea can change the future of my company tomorrow. 143 00:06:55,915 --> 00:06:58,251 And so we all need to get together. 144 00:06:58,251 --> 00:07:01,621 We support it, you know, it's a support network as well. 145 00:07:01,888 --> 00:07:04,891 And now I have friends that I call when I see a problem. 146 00:07:05,091 --> 00:07:08,094 Are you seeing the same problem across the nation. 147 00:07:08,261 --> 00:07:11,264 And and so we, we use each other, 148 00:07:12,098 --> 00:07:15,501 for support for education and 149 00:07:17,170 --> 00:07:18,871 to grow our businesses. 150 00:07:18,871 --> 00:07:20,339 So do the manufacturers. 151 00:07:20,339 --> 00:07:22,341 And I ask this question for a reason. 152 00:07:22,341 --> 00:07:25,411 Do the manufacturers, when somebody calls, like, for instance, 153 00:07:25,411 --> 00:07:26,946 we have an outdoor fireplace. 154 00:07:26,946 --> 00:07:30,082 And the thing was giving me fits on our deck, 155 00:07:30,483 --> 00:07:33,986 and I'm trying to find appliance repair people to fix it. 156 00:07:33,986 --> 00:07:35,688 And and I'm not getting anywhere. 157 00:07:35,688 --> 00:07:37,957 So I called the company itself 158 00:07:37,957 --> 00:07:40,860 and they said, well, we have certain people, we train. 159 00:07:40,860 --> 00:07:41,093 Right. 160 00:07:41,093 --> 00:07:43,396 So that's the kind of thing you're in. 161 00:07:43,396 --> 00:07:43,996 So the guy. 162 00:07:43,996 --> 00:07:46,532 That’s absolutely what we do, the thing works like a charm. 163 00:07:46,532 --> 00:07:47,700 I could not be happier with that. 164 00:07:47,700 --> 00:07:48,601 And then he went and fixed 165 00:07:48,601 --> 00:07:51,571 the one in the living room to make it work better than it had worked. 166 00:07:51,737 --> 00:07:56,242 But they you know, you could call all kinds of fireplace people, 167 00:07:56,242 --> 00:07:59,812 and they didn't know beans from apple butter about this particular fireplace. 168 00:08:00,213 --> 00:08:03,015 But the manufacturers sends this one group out, 169 00:08:03,015 --> 00:08:05,318 and the guy did the whole thing and it did a beautiful job. 170 00:08:05,318 --> 00:08:09,422 So that's basically an illustration of what you're talking about, right? 171 00:08:09,422 --> 00:08:11,691 Thermador comes up with a brand new oven 172 00:08:11,691 --> 00:08:15,628 and a brand new range top, and it's got all these different opportunities. 173 00:08:15,628 --> 00:08:17,997 And how do you fix it? Okay. 174 00:08:17,997 --> 00:08:21,133 If you if you if you're the independent guy out there that doesn't belong 175 00:08:21,133 --> 00:08:25,872 to this association or doesn't do that kind of education, you don't know that. 176 00:08:26,939 --> 00:08:28,040 That's correct. 177 00:08:28,040 --> 00:08:28,875 So we become 178 00:08:28,875 --> 00:08:32,612 an authorized service provider for all of the major manufacturers, 179 00:08:32,612 --> 00:08:37,250 and we actually get introduced at some of these conferences. 180 00:08:37,650 --> 00:08:40,219 So we work directly with them. 181 00:08:40,219 --> 00:08:41,053 So that's interesting. 182 00:08:41,053 --> 00:08:42,855 They have a designation that makes you 183 00:08:42,855 --> 00:08:46,893 an authorized service provider for these particular appliances. 184 00:08:46,893 --> 00:08:47,693 We can. 185 00:08:47,693 --> 00:08:53,566 That's where when I became a Bosch authorized service provider, I met them 186 00:08:54,100 --> 00:08:58,771 the the regional service manager at the United Appliance Servicers Association. 187 00:08:59,071 --> 00:09:01,374 That's where that interaction happened. 188 00:09:01,374 --> 00:09:04,010 And then we started the training. 189 00:09:04,010 --> 00:09:07,213 Before that time, I was getting the training at, 190 00:09:09,282 --> 00:09:12,818 I was getting the training at this association. 191 00:09:13,085 --> 00:09:16,222 The people that I brought with me were getting the training 192 00:09:16,222 --> 00:09:19,225 through United Appliance Servicers Association. 193 00:09:19,725 --> 00:09:21,427 Because Bosch was there training. 194 00:09:21,427 --> 00:09:24,897 They’ll train everyone, even the people that are not authorized. 195 00:09:25,565 --> 00:09:28,034 So that you can be better. 196 00:09:28,034 --> 00:09:31,037 You know, Bosch wants the best people working on their product. 197 00:09:31,103 --> 00:09:32,872 That's their name on that appliance. Right? 198 00:09:32,872 --> 00:09:35,207 So probably helps to have so he knows what they all they're doing. 199 00:09:35,207 --> 00:09:36,208 Absolutely. 200 00:09:36,208 --> 00:09:39,512 If you want to reach out to Debbie either of her company's the one that Oklahoma 201 00:09:39,512 --> 00:09:42,615 and Texas is D3Sservice.com. 202 00:09:42,615 --> 00:09:48,154 In the southeastern United States that be in the Carolinas, etc. 203 00:09:48,354 --> 00:09:51,357 you can reach out to her at SloanAppliance.com. 204 00:09:51,424 --> 00:09:53,459 That's SloanAppliance.com. 205 00:09:53,459 --> 00:09:54,360 Like I said, 206 00:09:54,360 --> 00:09:55,962 if you're an independent repairman out there 207 00:09:55,962 --> 00:09:58,297 and you're looking for a home, this might be a good place to look. 208 00:09:58,297 --> 00:10:01,567 And if you're looking for repairs, I think these folks know what they're doing. 209 00:10:01,968 --> 00:10:03,569 Go to our website and check it out. 210 00:10:03,569 --> 00:10:05,671 Stay right there. We'll be right back after the break. 211 00:10:05,671 --> 00:10:09,008 You're listening to America's Healthcare Advocate Broadcasting 212 00:10:09,008 --> 00:10:13,446 here on the HIA Radio Network coast to coast across USA. 213 00:10:13,446 --> 00:10:14,280 Don't go anywhere. 214 00:10:24,757 --> 00:10:25,524 Welcome back. 215 00:10:25,524 --> 00:10:27,059 You're listening to America's Healthcare 216 00:10:27,059 --> 00:10:30,596 Advocate show broadcasting coast to coast across USA. 217 00:10:30,830 --> 00:10:32,898 Here on the HIA Radio Network. 218 00:10:32,898 --> 00:10:36,235 In fact, we have another new affiliate we want to announce today. 219 00:10:36,502 --> 00:10:43,009 This is WRHI AM and FM, 100.1FM in Charlotte, Gastonia, South Carolina. 220 00:10:43,009 --> 00:10:45,511 We're pretty happy to have those folks on board, 221 00:10:45,511 --> 00:10:48,514 and we really want to say thank you because we're on for two hours 222 00:10:49,215 --> 00:10:50,282 every Saturday. 223 00:10:50,282 --> 00:10:54,020 So, 1 to 3, our new affiliate WRHI. 224 00:10:54,020 --> 00:10:56,889 It looks like Dave is going to have a little extra work to do. 225 00:10:56,889 --> 00:10:58,391 So we're very happy to have them on board. 226 00:10:58,391 --> 00:11:01,560 We want to thank them in studio with me today is Debbie Klintworth 227 00:11:01,761 --> 00:11:02,628 and John Kuhlmann. 228 00:11:02,628 --> 00:11:07,199 We're here talking about United Appliance Servicers Association, Debbie's company, 229 00:11:07,333 --> 00:11:10,069 Sloan Appliance Services. We've talked about the past, by the way. 230 00:11:10,069 --> 00:11:12,905 And while we're on break, I just ask her question. 231 00:11:12,905 --> 00:11:15,975 I said, what is an average salary for these folks make? 232 00:11:16,142 --> 00:11:20,312 So they're making between 70 and $100,000 a year. 233 00:11:20,680 --> 00:11:23,382 You might want to think about that if you're looking for an opportunity. 234 00:11:23,382 --> 00:11:27,286 Her websites, by the way, are D3Sservice.com 235 00:11:27,286 --> 00:11:31,290 that happens to be in Texas and in in the South Carolina. 236 00:11:31,290 --> 00:11:32,958 It's SloanAppliance.com. 237 00:11:32,958 --> 00:11:36,095 So if you want to reach out to her and ask her 238 00:11:36,128 --> 00:11:39,131 a little bit about what their company does, it might be helpful. 239 00:11:39,198 --> 00:11:43,202 So let's talk to more now about your company okay. 240 00:11:43,202 --> 00:11:45,705 And then you know how long you've been doing this. 241 00:11:45,705 --> 00:11:49,542 And you know, you mentioned Bosch, how many different appliance groups 242 00:11:49,542 --> 00:11:51,210 to use service, all the rest of it. 243 00:11:52,311 --> 00:11:55,681 And then then we'll talk about why and why John's here, 244 00:11:55,681 --> 00:11:58,984 obviously talk about GigCare and how this fits in for you. 245 00:11:59,685 --> 00:12:02,021 As you know, as a company owner. 246 00:12:02,021 --> 00:12:03,255 So let's just start with 247 00:12:03,255 --> 00:12:06,425 the history of what you do and how you got where you are today. 248 00:12:07,059 --> 00:12:09,762 Well, my husband had a company, 249 00:12:09,762 --> 00:12:12,031 and he did the appliance repair. 250 00:12:12,031 --> 00:12:15,434 He was the hardest working one man show until I joined him. 251 00:12:16,602 --> 00:12:19,572 Then once I did, we've expanded. 252 00:12:19,572 --> 00:12:23,342 We started with just him, and we grew to two, three, four. 253 00:12:23,375 --> 00:12:28,647 Next thing you know, we're at 30 techs, and we grew all over the state of Texas. 254 00:12:29,081 --> 00:12:29,782 And and. 255 00:12:29,782 --> 00:12:32,585 You were in the Houston area. And we were in the Houston area. 256 00:12:32,585 --> 00:12:34,954 Our actual office is in Magnolia, 257 00:12:34,954 --> 00:12:38,390 which is the outskirts of The Woodlands there in Houston. 258 00:12:38,791 --> 00:12:43,295 And we've grown all over Texas, and then we've grown into Oklahoma. 259 00:12:43,829 --> 00:12:46,265 So we're in Oklahoma City as well. 260 00:12:46,265 --> 00:12:49,502 We have several guys throughout that, that area. 261 00:12:49,802 --> 00:12:53,172 And then we decided to buy Sloan Appliance, 262 00:12:53,939 --> 00:12:56,976 about three years ago or coming up on three years ago. 263 00:12:57,176 --> 00:12:58,377 And that's in Carolina. 264 00:12:58,377 --> 00:13:02,047 And that's where the home base is in Columbia, South Carolina. 265 00:13:02,047 --> 00:13:02,414 Okay. 266 00:13:02,414 --> 00:13:06,485 And but we cover all the major cities, Charleston, 267 00:13:06,652 --> 00:13:11,123 we're in Augusta, we're in Rock Hill, as well as Greenville. 268 00:13:11,190 --> 00:13:15,895 So you started out and now you've got two companies working in these areas. 269 00:13:16,395 --> 00:13:18,831 What are the plans going forward. 270 00:13:18,831 --> 00:13:20,299 We plan on expanding 271 00:13:21,300 --> 00:13:23,202 more and more. 272 00:13:23,202 --> 00:13:27,973 We we do all major manufacturing brands, all of them. 273 00:13:28,007 --> 00:13:31,110 So you mentioned LG, Bosch, General Electric. 274 00:13:31,177 --> 00:13:35,281 What's that high end version of GE, I can’t remember what it what it's called. 275 00:13:35,915 --> 00:13:37,917 Well with monogram. Monogram that's the. 276 00:13:37,917 --> 00:13:40,352 One. And Cafe. We work on that. 277 00:13:40,352 --> 00:13:41,754 We work on Sub-Zero. 278 00:13:41,754 --> 00:13:44,957 We work on some of the smaller brands. 279 00:13:44,957 --> 00:13:48,627 Les Baer we work on, you name it. 280 00:13:48,627 --> 00:13:51,931 So Thermador or you know, all of those Gaggenau. 281 00:13:51,964 --> 00:13:52,431 Okay. 282 00:13:52,431 --> 00:13:57,803 All of those, Mila, we we cover that, we get training from all the major 283 00:13:57,803 --> 00:14:01,607 manufacturers for this to say “We're an authorized service provider”. 284 00:14:02,675 --> 00:14:03,509 So this is. 285 00:14:03,509 --> 00:14:05,377 A question people should be asking. Yes. 286 00:14:05,377 --> 00:14:07,479 They call up Joe Blow's appliance. 287 00:14:07,479 --> 00:14:08,647 Are you an authorized? 288 00:14:08,647 --> 00:14:10,115 Because if they're not, 289 00:14:10,115 --> 00:14:12,117 that means maybe they know what they're doing 290 00:14:12,117 --> 00:14:14,286 and maybe they don't know what they're doing. 291 00:14:14,286 --> 00:14:15,087 Well, correct. 292 00:14:15,087 --> 00:14:18,424 And if you have any appliances that possibly have a part 293 00:14:18,424 --> 00:14:22,528 that is going to be under warranty, I'm an authorized service provider. 294 00:14:22,528 --> 00:14:26,999 So I will make sure that they cover that part, not you. 295 00:14:27,032 --> 00:14:30,035 That's funny because that our house is going 296 00:14:30,035 --> 00:14:35,040 on the fourth year that we built this brand new house, and that that, wine 297 00:14:35,040 --> 00:14:38,110 refrigerator that we were talking about that was out of warranty. 298 00:14:38,510 --> 00:14:43,549 But those guys got it got involved with the with the manufacturer, 299 00:14:43,549 --> 00:14:46,819 and they got them to replace that part without charging us for it. 300 00:14:47,052 --> 00:14:51,357 And it was a whole new board of some kind, looked like a computer board 301 00:14:51,824 --> 00:14:54,260 that they put in there. And now the thing works like a charm. 302 00:14:54,260 --> 00:14:57,363 So it was, you know, but they're the ones that were able to do that. 303 00:14:57,363 --> 00:14:59,899 I would not have been able to do that. Right. 304 00:14:59,899 --> 00:15:01,166 Yeah. It's pretty interesting. 305 00:15:01,166 --> 00:15:05,938 So a little bit about why you thought, you know, with John and Kulhmann Group 306 00:15:06,071 --> 00:15:09,909 that the GigCare 1099 program works for your folks. 307 00:15:10,442 --> 00:15:14,079 In terms of offering them coverage across the country, because we're the 308 00:15:14,313 --> 00:15:19,785 are the beauty of us of what we do it at, you know, with PSM Nebraska and with our 309 00:15:19,785 --> 00:15:24,423 with our GigCare program developed through Detego, is our rates are universal. 310 00:15:24,590 --> 00:15:28,260 So it's the rates in in South Carolina that you just got hit 311 00:15:28,260 --> 00:15:30,963 with by ACA or 40% higher. 312 00:15:30,963 --> 00:15:33,933 Or in Texas they're 28% higher. 313 00:15:33,933 --> 00:15:35,968 Our rates are flat across the country. 314 00:15:35,968 --> 00:15:38,404 Our rates raised 6% this year. Right John? 315 00:15:38,404 --> 00:15:39,104 The right. 316 00:15:39,104 --> 00:15:39,438 Yeah. 317 00:15:39,438 --> 00:15:42,808 So so talk a little bit about why were you attracted to that. 318 00:15:43,108 --> 00:15:45,811 What I've found is people are afraid of insurance 319 00:15:45,811 --> 00:15:48,547 because they don't understand it. It's 100% correct. 320 00:15:48,547 --> 00:15:49,848 They jump into it. 321 00:15:49,848 --> 00:15:54,053 I'm a 30 year recovering broker and I can promise you that's an accurate statement. 322 00:15:54,520 --> 00:15:56,221 Yeah. And it's very scary. 323 00:15:56,221 --> 00:15:59,191 And at the end of the year, at the end of the year, 324 00:15:59,224 --> 00:16:01,660 you have spent all of this money on insurance. 325 00:16:01,660 --> 00:16:03,696 And what did you truly get from that? 326 00:16:03,696 --> 00:16:05,864 If you were healthy, you didn't use it at all, 327 00:16:05,864 --> 00:16:08,534 but you feel like you've wasted a lot of money. 328 00:16:08,534 --> 00:16:09,335 And so, 329 00:16:10,302 --> 00:16:12,838 I was looking for an affordable 330 00:16:12,838 --> 00:16:17,476 health care option for some of the guys that are in the association. 331 00:16:17,676 --> 00:16:19,979 You know, maybe they would have an opportunity 332 00:16:19,979 --> 00:16:21,513 if they don't have insurance. 333 00:16:21,513 --> 00:16:24,950 You know, once you get off of your parents insurance at 26, 334 00:16:24,950 --> 00:16:27,953 everyone thinks they're invincible and they don't need health insurance. 335 00:16:28,053 --> 00:16:30,723 Do they ever. Yeah. Until you need it. 336 00:16:30,723 --> 00:16:32,691 Yeah, absolutely. I tell you, you're in a car wreck 337 00:16:32,691 --> 00:16:34,493 or you're playing softball and break your arm. 338 00:16:34,493 --> 00:16:35,127 Okay. Yeah. 339 00:16:35,127 --> 00:16:37,529 Then that. Oh, Lord, I got a problem. Right. 340 00:16:37,529 --> 00:16:39,331 So we need something that's affordable 341 00:16:39,331 --> 00:16:42,234 that people understand, so they will use it. 342 00:16:42,234 --> 00:16:46,839 And not just have it handed to them and they don't know what they're buying, 343 00:16:47,072 --> 00:16:49,908 and then they have buyer's remorse at the end of the year 344 00:16:49,908 --> 00:16:51,243 because they didn't use it. 345 00:16:51,243 --> 00:16:55,514 So I had talked to John about what can we do, what are the options 346 00:16:55,681 --> 00:16:57,783 and what can we bring into the association. 347 00:16:57,783 --> 00:17:01,520 So everyone can have good health care and they understand 348 00:17:01,520 --> 00:17:05,457 what they're actually truly buying, because not everybody can afford 349 00:17:05,457 --> 00:17:10,529 as a small business to provide, you know, very expensive group health care. 350 00:17:10,696 --> 00:17:14,600 Oh, it's for for small companies like yourself, medium to small companies. 351 00:17:15,267 --> 00:17:19,138 The pricing is ridiculous because they're tied up in all the ACA regulations. 352 00:17:19,138 --> 00:17:21,540 And, John, we're not. Right. 353 00:17:21,540 --> 00:17:25,544 We don't have all the extra fees and taxes, too, that Obamacare 354 00:17:25,544 --> 00:17:27,479 built into everybody's health insurance premiums. 355 00:17:27,479 --> 00:17:31,316 So I've I've mentioned this before in other, other shows, but 356 00:17:32,518 --> 00:17:33,685 Obamacare, when it went into 357 00:17:33,685 --> 00:17:36,688 effect, added about 21 new fees and taxes. 358 00:17:36,688 --> 00:17:39,224 So all the different insurance programs across the board, be it 359 00:17:39,224 --> 00:17:43,462 from small group to large group, so they basically have the carriers and TPAs 360 00:17:43,762 --> 00:17:46,565 collect those taxes and turn around and give it to the government. 361 00:17:46,565 --> 00:17:48,000 They bill them as premiums. 362 00:17:48,000 --> 00:17:50,002 People think they’re premiums, but they're actually taxes 363 00:17:50,002 --> 00:17:51,837 inside their health insurance premiums. 364 00:17:51,837 --> 00:17:54,239 So it drives up the cost. And we don't have that in GigCare. 365 00:17:54,239 --> 00:17:57,743 That's one of the big differences between us and the ACA plans. 366 00:17:57,743 --> 00:18:01,046 You know, that plus the fact that we're not making you buy something 367 00:18:01,046 --> 00:18:05,551 you don't need, like maternity coverage if you're a 25 year old guy. 368 00:18:05,851 --> 00:18:07,519 Probably not going to use that. 369 00:18:07,519 --> 00:18:09,855 You know, there's a big difference in the way that works. 370 00:18:09,855 --> 00:18:11,557 We have plans that have those things, 371 00:18:11,557 --> 00:18:14,059 but we have plans that don't have those things. 372 00:18:14,059 --> 00:18:16,462 And that gives, you know, 373 00:18:16,462 --> 00:18:19,531 I like to say a size 44 overcoat doesn't fit everybody. 374 00:18:19,531 --> 00:18:21,834 Well, ACA is a 44 overcoat, right? Yeah. 375 00:18:21,834 --> 00:18:24,703 They're trying to make everybody fit. That's part of the problem. 376 00:18:24,703 --> 00:18:26,972 The other part is, and I'm guessing before we come up, 377 00:18:26,972 --> 00:18:28,340 we're actually coming up on the break. 378 00:18:28,340 --> 00:18:30,008 I'll hold this thought till I get back. 379 00:18:30,008 --> 00:18:30,976 We come back from the break. 380 00:18:30,976 --> 00:18:34,446 I want to talk about what's the age span typically of the people 381 00:18:34,446 --> 00:18:37,449 to go into her business, young versus old, etc. 382 00:18:37,516 --> 00:18:40,886 and then we'll talk about why this is a good fit for her association 383 00:18:41,086 --> 00:18:44,490 and why it's a good fit for associations across the country 384 00:18:44,756 --> 00:18:47,559 that might be thinking about what can we do to help our members. 385 00:18:47,559 --> 00:18:48,293 Stay tuned. 386 00:18:48,293 --> 00:18:49,595 We'll be right back after the break. 387 00:18:49,595 --> 00:18:51,029 You're listening to America's 388 00:18:51,029 --> 00:18:55,033 Healthcare Advocate broadcasting coast to coast across the USA. 389 00:18:55,100 --> 00:18:56,735 We'll be right back. Stay right there. 390 00:19:08,380 --> 00:19:09,181 Welcome back. 391 00:19:09,181 --> 00:19:12,317 You're listening to America's Healthcare Advocate Show, broadcasting 392 00:19:12,317 --> 00:19:15,821 coast to coast across USA here on the HIA Radio Network. 393 00:19:16,088 --> 00:19:19,091 If you have something going on, you need help out there. 394 00:19:19,124 --> 00:19:22,528 Get on the go to the website AmericasHealthcareAdvocate.com. 395 00:19:22,528 --> 00:19:23,428 Send me an email. 396 00:19:23,428 --> 00:19:25,731 We are happy to help you in any way we can. 397 00:19:25,731 --> 00:19:30,002 We had a gentleman the other day who had a son who was paraplegic, could not get 398 00:19:30,002 --> 00:19:34,306 a wheelchair from United Health Care because it didn't meet their criteria. 399 00:19:34,306 --> 00:19:36,008 Well, we took care of that problem. 400 00:19:36,008 --> 00:19:38,477 So if we can help you with something like that, we're happy to do it. 401 00:19:38,477 --> 00:19:41,146 The website is AmericasHealthcareAdvocate.com. 402 00:19:41,146 --> 00:19:42,281 My emails up there. 403 00:19:42,281 --> 00:19:44,049 I answer each and every one of them. 404 00:19:44,049 --> 00:19:47,586 In studio with me today is Debbie Klintworth, and John Kuhlmann. 405 00:19:47,586 --> 00:19:49,788 Debbie is from Sloan Appliance Services. 406 00:19:49,788 --> 00:19:52,691 She has two different companies, one located in Texas 407 00:19:52,691 --> 00:19:55,561 and one located in the Carolinas. 408 00:19:55,561 --> 00:19:57,029 And services that whole area. 409 00:19:57,029 --> 00:19:58,764 If you want to know more about her, 410 00:19:58,764 --> 00:20:03,202 the website for those particular companies are D3Sservice.com. 411 00:20:03,202 --> 00:20:04,803 That's in Texas, by the way. 412 00:20:04,803 --> 00:20:06,271 They're down there in Tyler, Texas. 413 00:20:06,271 --> 00:20:08,941 For all you folks in Tyler that I come down 414 00:20:08,941 --> 00:20:11,910 and see a couple times a year when I go see Cowboy George. 415 00:20:11,910 --> 00:20:16,648 So, also Sloan Appliance Service at sloanappliance.com. 416 00:20:17,049 --> 00:20:21,453 That particular service, is in the Carolinas, so she's happy to help you. 417 00:20:21,520 --> 00:20:25,057 And you want to reach out to John Kuhlmann, if you're an association 418 00:20:25,057 --> 00:20:28,393 out there and you're looking for a solution for health care, 419 00:20:28,827 --> 00:20:30,262 this is the man that can help you. 420 00:20:30,262 --> 00:20:33,799 He can also help you with 401 K and a whole lot of other things. 421 00:20:33,799 --> 00:20:37,169 And his website is kuhlmannfin.com. 422 00:20:37,169 --> 00:20:40,339 kuhlmannfin.com. I'll spell it for you. 423 00:20:40,539 --> 00:20:45,477 kuhlmannfin.com. 424 00:20:45,777 --> 00:20:48,780 All right John, let's talk about why this is working. 425 00:20:48,914 --> 00:20:52,584 I mean what do we got like eight associations now you and I are working on. 426 00:20:52,584 --> 00:20:53,685 It's close to a million lives. 427 00:20:53,685 --> 00:20:53,952 Yeah. 428 00:20:53,952 --> 00:20:58,590 So talk about why this is working is this is like a. 429 00:20:59,324 --> 00:21:00,359 This is rolling. 430 00:21:00,359 --> 00:21:02,761 Okay. Talk about why. 431 00:21:02,761 --> 00:21:05,797 The biggest thing I think is the as everybody's heard about on the news, 432 00:21:05,797 --> 00:21:09,167 the ACA subsidies have been reduced by 40%. 433 00:21:09,835 --> 00:21:12,771 And then, you know, we've talked about how it's the perfect storm. 434 00:21:12,771 --> 00:21:16,208 Unfortunately, the carriers are raising their rates 435 00:21:16,208 --> 00:21:19,845 dramatically, and they also are some have pulled out of the market. 436 00:21:19,845 --> 00:21:22,681 Aetna lost $2 billion last year. 437 00:21:22,681 --> 00:21:27,052 And because of that, they decided to pull out of the ACA market and dropped 1.1 438 00:21:27,052 --> 00:21:30,756 million people off their individual plans that they used to cover it. 439 00:21:31,123 --> 00:21:35,260 It's really because when the government took took over with the ACA, 440 00:21:35,861 --> 00:21:37,863 they basically wanted to take over health care, 441 00:21:37,863 --> 00:21:40,332 but they didn't do anything to make health care better. 442 00:21:40,332 --> 00:21:42,934 And, the the program's just not working. 443 00:21:42,934 --> 00:21:47,072 It's not about that the subsidies are going away so much, as much as it is 444 00:21:47,072 --> 00:21:50,442 the program didn't do anything to fix the problems with health care. 445 00:21:50,742 --> 00:21:51,810 GigCare does that. 446 00:21:51,810 --> 00:21:54,346 So GigCare does things on the PBM side. 447 00:21:54,346 --> 00:21:57,482 I'll let you talk about that more extensively about it, Cary, but, 448 00:21:58,083 --> 00:22:01,853 they do great things on that, that all the ACA, most of the ACA carriers don't do. 449 00:22:02,321 --> 00:22:04,256 And, it's really much better for the members. 450 00:22:04,256 --> 00:22:07,592 They can get specialty meds a lot of times the low cost or no cost. 451 00:22:07,592 --> 00:22:11,563 Whereas if you're on an ACA plan, you literally have to pay most 452 00:22:11,563 --> 00:22:14,766 or all of your out of pocket to cover your ACA med, and things like that. 453 00:22:15,367 --> 00:22:17,202 So, Debbie, what do you think this does 454 00:22:17,202 --> 00:22:20,405 for the association as far as their ability to attract 455 00:22:20,772 --> 00:22:24,309 new members and also their ability to retain the people that are there 456 00:22:24,309 --> 00:22:28,480 because they're offering a health benefits plan that nobody else is offering. 457 00:22:29,881 --> 00:22:31,350 It is helping people have a 458 00:22:31,350 --> 00:22:35,620 peace of mind and offering something not only to their themselves, 459 00:22:35,887 --> 00:22:42,060 but also their employees or their 1099 employees, that they can't afford. 460 00:22:42,060 --> 00:22:44,696 And it is so worthwhile. 461 00:22:44,696 --> 00:22:47,699 I know that I have a personal, 462 00:22:48,033 --> 00:22:51,236 issue way back when, before Obamacare, 463 00:22:51,370 --> 00:22:54,973 where my son was so sick and they kept saying I had a preexisting condition 464 00:22:54,973 --> 00:22:59,044 and I couldn't get him insurance, and he ended up having a hole in his heart 465 00:22:59,044 --> 00:23:02,080 that wasn't diagnosed till he was eight, because they wouldn't run the tests. 466 00:23:02,647 --> 00:23:06,985 So that's another reason why I have gotten involved in this, 467 00:23:06,985 --> 00:23:10,088 because people think they can just skate by 468 00:23:10,088 --> 00:23:13,091 and the government will take on their health benefits. 469 00:23:13,125 --> 00:23:15,427 But I can show. Yes. 470 00:23:15,427 --> 00:23:17,129 Oh, yeah. 471 00:23:17,129 --> 00:23:17,863 They really do. 472 00:23:17,863 --> 00:23:21,533 Oh, they're going to treat me, but they only have treat emergencies, 473 00:23:21,833 --> 00:23:22,401 you know. 474 00:23:22,401 --> 00:23:25,070 And my son, to me, it was an emergency. 475 00:23:25,070 --> 00:23:26,004 It was. 476 00:23:26,004 --> 00:23:30,041 And but because I didn't have insurance, he didn't get the treatment 477 00:23:30,041 --> 00:23:31,209 that he deserved, 478 00:23:31,209 --> 00:23:35,747 no matter how much I they wouldn't do it because I had some money. 479 00:23:35,914 --> 00:23:39,751 But they the hospitals knew I didn't have enough money to cover it just in case. 480 00:23:40,185 --> 00:23:43,188 And so everyone needs to be covered. 481 00:23:43,188 --> 00:23:46,124 You cannot rely on the emergency situation 482 00:23:46,124 --> 00:23:49,327 where the, you know, the emergency room is going to treat you. 483 00:23:49,394 --> 00:23:51,029 Yeah. And you're going to be okay. 484 00:23:51,029 --> 00:23:54,032 Yeah. It's not like that. And this is real. 485 00:23:54,232 --> 00:23:59,137 You just need to understand what it does for you and how it's going to help you. 486 00:23:59,371 --> 00:24:02,941 And as far as the money goes, it's affordable. 487 00:24:03,442 --> 00:24:04,342 It is affordable. 488 00:24:04,342 --> 00:24:07,112 We're a lot more affordable than ACA is. Okay. 489 00:24:07,112 --> 00:24:08,046 Question to you. 490 00:24:08,046 --> 00:24:13,018 How many people between the ages of, say, 21 and let's say 40 in your company? 491 00:24:13,018 --> 00:24:16,321 What what what percentage of that is the repair people in your company? 492 00:24:17,923 --> 00:24:20,125 Most of the people. 493 00:24:20,125 --> 00:24:23,128 Well, most of the people that work for me are 494 00:24:24,029 --> 00:24:27,632 under 60 and above 26. 495 00:24:27,632 --> 00:24:28,500 Okay. 496 00:24:28,500 --> 00:24:30,135 So that's that's the demographic. 497 00:24:30,135 --> 00:24:33,071 And in those demographics, John, you know, for instance, 498 00:24:33,071 --> 00:24:38,910 if you get up into the 50, 50, 45, 50, we're less than half what ACA is. 499 00:24:38,910 --> 00:24:42,280 The other thing is, and I ask you this on break, you have guys that live 500 00:24:42,280 --> 00:24:45,550 in rural communities who come in to work in the cities to do appliance repair. 501 00:24:45,550 --> 00:24:47,018 Maybe they live out in the country. 502 00:24:47,018 --> 00:24:49,921 They got ten acres or something, and they don't want to live in the city, 503 00:24:49,921 --> 00:24:52,891 but they're there. Guys that are hands on guys are good. 504 00:24:52,891 --> 00:24:57,462 They're good repairmen that the problem with with the ACA and Obamacare 505 00:24:57,462 --> 00:25:01,233 plans is most of the major carriers, all of them use narrow networks. 506 00:25:01,500 --> 00:25:04,503 And by narrow networks, I mean they can find 507 00:25:04,803 --> 00:25:06,905 the number of providers you're going to get. 508 00:25:06,905 --> 00:25:11,576 And those providers are usually centered around large cities or communities 509 00:25:11,910 --> 00:25:14,913 like Columbia, South Carolina, like Tyler, Texas. 510 00:25:15,013 --> 00:25:18,416 But if you live in Jackson, Texas, you're not going to have coverage, 511 00:25:18,416 --> 00:25:22,420 which means you're going to drive 45 miles to get over to Tyler. 512 00:25:22,420 --> 00:25:24,289 Right? Okay. To go see your doctor. 513 00:25:24,289 --> 00:25:24,756 Okay. 514 00:25:24,756 --> 00:25:28,894 Or if you've got an urgent care, you get to drive 45 miles to the close 515 00:25:28,894 --> 00:25:30,061 to surgery care versus 516 00:25:30,061 --> 00:25:33,899 the way we do it, where you have the Aetna PPO network, right? 517 00:25:34,099 --> 00:25:37,669 You have the Blue Cross Blue Shield PPO network in Nebraska. 518 00:25:37,969 --> 00:25:39,237 Okay. And you have that. 519 00:25:39,237 --> 00:25:42,774 You also have the Aetna EPO network, which is lower cost. 520 00:25:43,108 --> 00:25:45,043 But it keeps you you're confined to the network, 521 00:25:45,043 --> 00:25:48,713 which the networks second largest in the country behind United. 522 00:25:48,713 --> 00:25:51,816 But the point is they've got access wherever they are. 523 00:25:51,983 --> 00:25:55,754 They don't have to drive 50 miles if they're in Jackson, Texas, 524 00:25:55,854 --> 00:25:58,723 because it has got a provider in that community. 525 00:25:58,723 --> 00:26:00,091 That's the way that it works. 526 00:26:00,091 --> 00:26:04,596 How important is that to you when you're looking to recruit or get people to come? 527 00:26:04,763 --> 00:26:08,066 Because the number two thing they ask, tell me if I'm wrong after 528 00:26:08,066 --> 00:26:11,069 what am I getting paid is what are the benefits? 529 00:26:11,136 --> 00:26:12,737 Absolutely. Okay. 530 00:26:12,737 --> 00:26:15,941 Well, and we want to provide a benefit where they're not going to be 531 00:26:15,941 --> 00:26:18,209 in a such a small network that they're going to have to wait 532 00:26:18,209 --> 00:26:19,711 eight months to see a doctor to. 533 00:26:19,711 --> 00:26:22,147 Yeah, that is a big problem. It's huge. 534 00:26:23,148 --> 00:26:23,515 Yeah. 535 00:26:23,515 --> 00:26:28,086 So John, talk a little bit about, you know, how you see the associations. 536 00:26:28,653 --> 00:26:32,457 You know, now we're seeing all this interest from the associations. 537 00:26:32,457 --> 00:26:32,757 Right. 538 00:26:32,757 --> 00:26:36,561 And why did why did why does this then why did they want to do this. 539 00:26:36,962 --> 00:26:40,231 Well I think the big thing is like with the UASA, 540 00:26:40,699 --> 00:26:44,035 a lot of their members are small companies and they 541 00:26:44,035 --> 00:26:47,372 they can't afford to provide group group benefits to their employees. 542 00:26:47,872 --> 00:26:49,874 Also, a lot of them have 1099 workers. 543 00:26:49,874 --> 00:26:51,376 They're not W-2. 544 00:26:51,376 --> 00:26:54,512 So the GigCare fills that fills that gap in need. 545 00:26:54,913 --> 00:26:57,582 And then they can tell them, yeah, we have a program, 546 00:26:57,582 --> 00:26:58,984 they share it with them. 547 00:26:58,984 --> 00:27:00,919 Then the member can call in to an enrollment center 548 00:27:00,919 --> 00:27:02,487 and talk to them about signing up, 549 00:27:02,487 --> 00:27:05,790 getting back to what you talked about, we had a member sign up in Florida. 550 00:27:06,691 --> 00:27:07,993 It was a husband and wife. 551 00:27:07,993 --> 00:27:10,495 They're there and they're like 62. 552 00:27:10,495 --> 00:27:13,264 Their rate was going to be $2,700 a month on the ACA. 553 00:27:13,264 --> 00:27:14,199 That's what it was going up to. 554 00:27:14,199 --> 00:27:15,500 That's a house payment, right? 555 00:27:15,500 --> 00:27:18,603 Yeah. And, GigCare was $1,390. 556 00:27:18,603 --> 00:27:22,574 And they were they they obtained better coverage too with the Aetna network. 557 00:27:22,607 --> 00:27:25,677 So really a a great program and a big win for them. 558 00:27:25,677 --> 00:27:27,512 So that's that's really it. 559 00:27:27,512 --> 00:27:30,482 The big thing is the association members companies 560 00:27:30,482 --> 00:27:32,384 a lot of them just can't afford to offer it. 561 00:27:32,384 --> 00:27:33,652 And this this gives them the need. 562 00:27:33,652 --> 00:27:36,054 In addition to that, when they call in to the enrollment center, 563 00:27:36,054 --> 00:27:37,355 they will also be offered dental 564 00:27:37,355 --> 00:27:40,792 and vision and life, if they would like and other and other ancillary coverages. 565 00:27:41,192 --> 00:27:41,393 Yeah. 566 00:27:41,393 --> 00:27:43,962 So they're getting they're getting the full. Complete benefits package. 567 00:27:43,962 --> 00:27:44,896 Yeah, yeah. 568 00:27:44,896 --> 00:27:47,832 And the experience your members have has been a good experience. 569 00:27:47,832 --> 00:27:49,167 So to this point. 570 00:27:49,167 --> 00:27:51,403 Yes, we are working through that. 571 00:27:51,403 --> 00:27:55,774 It's education to try to teach them what the insurance is providing. 572 00:27:55,974 --> 00:27:58,276 There's a lot of people are just scared. 573 00:27:58,276 --> 00:27:59,310 It's different. 574 00:27:59,310 --> 00:28:02,313 Oh you don't know the acronyms that everyone's using. 575 00:28:02,647 --> 00:28:04,516 And it's just about education. 576 00:28:04,516 --> 00:28:07,519 And once we get through that I think it's going to be, 577 00:28:07,952 --> 00:28:11,723 taking off and more and more people are going to be buying in you. 578 00:28:11,990 --> 00:28:13,291 So you're listening out there. 579 00:28:13,291 --> 00:28:15,560 You're you belong to an association. 580 00:28:15,560 --> 00:28:17,562 Maybe you're an a director, an association. 581 00:28:17,562 --> 00:28:19,564 You're thinking maybe this is a fit for us. 582 00:28:19,564 --> 00:28:21,700 Well, you know, you're not going to know 583 00:28:21,700 --> 00:28:23,368 if you don't reach out and talk to somebody. 584 00:28:23,368 --> 00:28:25,170 The guy needs to talk to you sitting right here. 585 00:28:25,170 --> 00:28:26,738 You need to talk to John Kuhlmann. 586 00:28:26,738 --> 00:28:29,641 You can reach out to him at kuhlmannfin.com. 587 00:28:29,641 --> 00:28:30,542 I'm going to spell it out. 588 00:28:30,542 --> 00:28:34,813 kuhlmannfin.com. 589 00:28:34,813 --> 00:28:36,414 You'll be happy to talk to you. 590 00:28:36,414 --> 00:28:38,917 He's he's worked with a lot of associations. 591 00:28:38,917 --> 00:28:41,486 He's got a lot of success behind what he does. 592 00:28:41,486 --> 00:28:43,021 And it's a very professional group. 593 00:28:43,021 --> 00:28:44,422 We'll be right back after the break. 594 00:28:44,422 --> 00:28:46,958 You're listening to America's Healthcare Advocate 595 00:28:46,958 --> 00:28:49,961 Broadcasting here on the HIA Radio Network. 596 00:28:50,128 --> 00:28:52,030 Coast to Coast Cross, USA. 597 00:28:52,030 --> 00:28:54,933 Stay right there. We'll be right back right after the break. 598 00:29:01,039 --> 00:29:01,773 Welcome back. 599 00:29:01,773 --> 00:29:05,310 You're listening to America's Healthcare Advocate show, broadcasting coast 600 00:29:05,310 --> 00:29:09,080 to coast across the USA here on the HIA Radio Network. 601 00:29:09,080 --> 00:29:09,914 Now, look, 602 00:29:09,914 --> 00:29:13,351 you know, you're listening to this, and maybe you work for an appliance repair 603 00:29:13,351 --> 00:29:14,552 service, and you're like, 604 00:29:14,552 --> 00:29:18,056 we really need to get involved with this association, okay. 605 00:29:18,289 --> 00:29:20,091 But you can do that. All right. 606 00:29:20,091 --> 00:29:24,729 But you need to go listen, tell your your boss, your partner, whoever it is. 607 00:29:25,029 --> 00:29:28,633 Go listen to the podcast or go off and look at the YouTube broadcast. 608 00:29:28,867 --> 00:29:31,102 America's Healthcare Advocate. Okay. 609 00:29:31,102 --> 00:29:34,506 And then they'll understand everything we're talking about here today 610 00:29:34,506 --> 00:29:36,141 and why this might be a benefit. 611 00:29:36,141 --> 00:29:40,145 Why what Debbie is explaining might be really important to you. 612 00:29:40,311 --> 00:29:44,115 So again, you know, go up on any of the 16 podcast platforms 613 00:29:44,115 --> 00:29:46,384 or on our YouTube platform. 614 00:29:46,384 --> 00:29:47,519 And it's all up there. 615 00:29:47,519 --> 00:29:50,488 John, let's talk about a little bit about what separates GigCare. 616 00:29:51,656 --> 00:29:54,793 You know, Population Science Management, owns the program. 617 00:29:54,793 --> 00:29:57,428 It was developed as GigCare, right. 618 00:29:57,428 --> 00:30:02,066 Under the company Detego, which is our, our our primary, company. 619 00:30:02,600 --> 00:30:06,237 But when we did this intentionally, when we wrote this, 620 00:30:06,471 --> 00:30:09,941 we wrote this to be very, very different than ACA. 621 00:30:10,341 --> 00:30:13,545 We're not governed by the Department of Insurance in these states. 622 00:30:13,812 --> 00:30:15,280 We're governed by ERISA. 623 00:30:15,280 --> 00:30:16,948 We're governed by the Department of Labor. 624 00:30:16,948 --> 00:30:20,752 There are federal guidelines that we qualify for with this plan. 625 00:30:21,052 --> 00:30:24,689 So we don't have to comply with a lot of I'll just call it nonsense 626 00:30:25,023 --> 00:30:26,858 that ACA makes you comply with. 627 00:30:26,858 --> 00:30:28,393 So let's talk a little bit about what 628 00:30:28,393 --> 00:30:30,995 some of those things you see that make us different. 629 00:30:30,995 --> 00:30:34,365 The first thing I wanted to say too is a lot of people are, 630 00:30:34,399 --> 00:30:36,434 you know, they're used to what they're used to. 631 00:30:36,434 --> 00:30:39,437 So they just kind of want to continue on with the same thing with the ACA. 632 00:30:39,571 --> 00:30:43,274 But the ACA is crumbling off and it's falling apart. And, 633 00:30:43,441 --> 00:30:46,945 GigCare is definitely a great solution, an alternative to look at, to do. 634 00:30:47,378 --> 00:30:50,882 One of the things we do is on the PBM side, I believe it's the pharmacy side. 635 00:30:50,982 --> 00:30:53,351 Yeah. To keep it in plain English ScriptAid. Yeah. 636 00:30:54,686 --> 00:30:55,653 We basically go out 637 00:30:55,653 --> 00:30:58,756 and find those drugs at a very low cost or no cost for the members. 638 00:30:58,756 --> 00:31:00,425 If you're on an ACA plan, 639 00:31:00,425 --> 00:31:04,229 those are most of the the large insurance carriers are all publicly traded. 640 00:31:04,229 --> 00:31:08,233 They're doing all they can, basically to get as many rebates as much as they can 641 00:31:08,233 --> 00:31:11,336 on the drugs, not to lower the cost of the drug and the medication. 642 00:31:11,336 --> 00:31:13,838 So GigCare does the opposite. 643 00:31:13,838 --> 00:31:16,875 They get the drug at the lowest price that they can possibly get it, get it at 644 00:31:17,208 --> 00:31:19,210 and try to transfer that over to the member. 645 00:31:19,210 --> 00:31:22,714 They've also added Mark Cuban's Cost Plus drug program. 646 00:31:22,914 --> 00:31:24,482 It's a wonderful program. 647 00:31:24,482 --> 00:31:25,950 There's a I'm forgetting the name of the drug. 648 00:31:25,950 --> 00:31:28,720 It's I believe it's like $14,500 a month. 649 00:31:28,720 --> 00:31:31,723 And Mark provides the drug for $400 a month. 650 00:31:31,823 --> 00:31:32,190 Yeah. 651 00:31:32,190 --> 00:31:34,592 So it's a wonderful, wonderful program. 652 00:31:34,592 --> 00:31:36,961 So we we have a drug importation program. 653 00:31:36,961 --> 00:31:38,730 And so what that drug importation 654 00:31:38,730 --> 00:31:43,067 program does, if you take a medication, it's it ridiculously expensive. 655 00:31:43,067 --> 00:31:45,937 And we go back to the when when the weight loss drugs first came out. 656 00:31:45,937 --> 00:31:48,840 And if you wanted to buy it and you weren't a type two diabetic, 657 00:31:48,840 --> 00:31:49,941 it was $1,100. 658 00:31:49,941 --> 00:31:52,944 Well, we brought it in from Canada for $89. 659 00:31:52,944 --> 00:31:54,979 So this is the kind of thing we could do. 660 00:31:54,979 --> 00:31:57,081 The ACA plans are precluded. 661 00:31:57,081 --> 00:32:00,084 They cannot do that. We can. Okay. 662 00:32:00,084 --> 00:32:04,122 We also have a foundational assistance program, which is a little bit of what 663 00:32:04,155 --> 00:32:07,158 John was talking about, by the way, all the work to apply 664 00:32:07,325 --> 00:32:11,763 for that medication and get it from out of, out of, out of Canada, we do it. 665 00:32:11,763 --> 00:32:15,333 Our nurses do it at Detego, at GigCare. 666 00:32:15,333 --> 00:32:17,101 That's their job, okay. 667 00:32:17,101 --> 00:32:19,704 And for foundational assistance, you have a kid 668 00:32:19,704 --> 00:32:21,272 let's say that needs growth hormones. 669 00:32:21,272 --> 00:32:24,742 You come on the plan a year later, doctor says your child needs a growth hormone 670 00:32:24,976 --> 00:32:27,178 that's 100 grand a year. Okay. 671 00:32:27,178 --> 00:32:27,445 You know, 672 00:32:27,445 --> 00:32:32,050 we can get you foundational assistance where we do all the paperwork, we file it. 673 00:32:32,083 --> 00:32:35,987 We get the med, and we get it sent to you at no cost or at a very low cost. 674 00:32:35,987 --> 00:32:37,255 If you qualify. 675 00:32:37,255 --> 00:32:41,592 And almost 90% of the people qualify because not everybody can write a check 676 00:32:41,592 --> 00:32:43,127 for 100 grand. Exactly. 677 00:32:43,127 --> 00:32:45,563 So those are, those are some of the differences. 678 00:32:45,563 --> 00:32:48,566 And that rebate thing is just a quick. 679 00:32:48,900 --> 00:32:52,704 What you're telling them there is that the carriers are getting rebates 680 00:32:52,704 --> 00:32:54,205 from the drug companies. Right. 681 00:32:54,205 --> 00:32:55,773 That they're never seeing. 682 00:32:55,773 --> 00:32:57,709 Right. A we're a transparent PBM. 683 00:32:57,709 --> 00:32:59,143 We do not take rebates. 684 00:32:59,143 --> 00:33:02,146 Rebates go right back into the cost of the med, 685 00:33:02,146 --> 00:33:03,414 which is what you're talking about. 686 00:33:03,414 --> 00:33:05,049 Exactly. So you take the drug Humira. 687 00:33:05,049 --> 00:33:07,552 Everybody sees it advertised on TV. 688 00:33:07,552 --> 00:33:10,021 It's typically around 7 or 8 grand a month. 689 00:33:10,021 --> 00:33:11,189 There's different versions of it. 690 00:33:11,189 --> 00:33:15,560 But, a lot of the large insurance carriers that are publicly traded, they'll, 691 00:33:16,194 --> 00:33:19,697 they say they get the drug for around $4500 to $5000 a month. 692 00:33:21,265 --> 00:33:24,302 GigCare typically can get that drug for about $2500 bucks a month. 693 00:33:24,302 --> 00:33:25,503 That's right. 694 00:33:25,503 --> 00:33:26,838 Because they don't take the rebate. 695 00:33:26,838 --> 00:33:28,039 So what that tells you is, 696 00:33:28,039 --> 00:33:31,042 as the large insurance carriers are all keeping that rebate. 697 00:33:31,209 --> 00:33:34,846 Well, if it's a $2,500 difference per month, that's 30 grand 698 00:33:34,846 --> 00:33:38,516 a year that they're pocketing off of every person that takes that drug. 699 00:33:38,816 --> 00:33:40,218 That's just one medication. 700 00:33:40,218 --> 00:33:41,986 GigCare doesn't do that, and that's 701 00:33:41,986 --> 00:33:44,989 why they're able to drive the value they do and bring the cost down. 702 00:33:45,056 --> 00:33:48,059 I think another good thing to talk about would be the green imaging program if you. 703 00:33:48,192 --> 00:33:50,528 Yeah, you mentioned and that's really unique. 704 00:33:50,528 --> 00:33:53,531 There's all the ACA plans out there. Debbie. 705 00:33:53,765 --> 00:33:56,768 If you need an MRI, Cat scan or, 706 00:33:57,135 --> 00:34:00,872 you know, which is a major expense, you're looking 3 to 5 to $6,000, 707 00:34:00,872 --> 00:34:02,840 you get it done in a hospital, it's going to be six grand. 708 00:34:04,208 --> 00:34:05,076 You you pay the 709 00:34:05,076 --> 00:34:08,079 deductible, you pay the coinsurance, and you pay a co-pay. 710 00:34:08,513 --> 00:34:09,881 So you're walking out the door. 711 00:34:09,881 --> 00:34:13,751 Let's say you've got a 3000 deductible out of pocket next to the five. 712 00:34:13,751 --> 00:34:15,953 Basically, you're paying for the whole damn thing. 713 00:34:15,953 --> 00:34:16,320 All right. 714 00:34:16,320 --> 00:34:17,622 They give you a network discount. 715 00:34:17,622 --> 00:34:20,491 You're still paying for the whole thing under our program. 716 00:34:20,491 --> 00:34:22,760 John's referring to the Green Imaging program. 717 00:34:22,760 --> 00:34:24,362 We give you a voucher. 718 00:34:24,362 --> 00:34:27,331 And there are independent centers all over the country 719 00:34:27,331 --> 00:34:29,033 that these folks are contracted with. 720 00:34:29,033 --> 00:34:30,902 You go in and you pay nothing. 721 00:34:30,902 --> 00:34:34,238 There's no co-pay, there's no deductible, and there's no co-insurance. 722 00:34:34,705 --> 00:34:36,674 Well, the ACA plans don't. 723 00:34:36,674 --> 00:34:37,909 Now they could do that. 724 00:34:37,909 --> 00:34:39,977 They're not precluded from doing that. 725 00:34:39,977 --> 00:34:41,446 But they're making money off that. 726 00:34:41,446 --> 00:34:43,481 Right okay. So they're not you know they're 727 00:34:45,216 --> 00:34:46,184 making money off that. 728 00:34:46,184 --> 00:34:48,352 There's a reason that they're doing it. Okay. 729 00:34:48,352 --> 00:34:51,522 So those are some of the things I think that do make us very different. 730 00:34:51,522 --> 00:34:54,058 Yeah. In terms of what we do in the way we do it. 731 00:34:54,058 --> 00:34:58,329 And, and, and you know, if you've got a provider, this is interesting 732 00:34:58,329 --> 00:35:01,999 when you brought that up about your son, you know, if we had that situation 733 00:35:02,500 --> 00:35:05,169 and and we go to that and Aetna 734 00:35:05,169 --> 00:35:08,239 says, well no this doesn't meet the criteria to cover it. 735 00:35:08,272 --> 00:35:10,575 We're going to appeal that. You're not going to appeal it. 736 00:35:10,575 --> 00:35:11,943 We are okay. 737 00:35:11,943 --> 00:35:15,379 And we're going to appeal up the process until we get it approved or 738 00:35:16,013 --> 00:35:19,283 we do a direct contract with that hospital that says, okay, here's the deal. 739 00:35:19,283 --> 00:35:23,821 We're going to pay you 130% above Medicare to do this procedure. 740 00:35:23,988 --> 00:35:26,791 Boom. We want we want the the procedure done. 741 00:35:26,791 --> 00:35:28,059 Period. Okay. 742 00:35:28,059 --> 00:35:30,261 And 90% of the hospitals will agree to that. 743 00:35:30,261 --> 00:35:32,697 There are some that don't, but the majority of them will. 744 00:35:32,697 --> 00:35:35,333 But it all comes down to advocacy, John. Right. 745 00:35:35,333 --> 00:35:38,636 You know, we've got a whole team of people that that's what they do. 746 00:35:38,669 --> 00:35:39,170 Right. So 747 00:35:40,271 --> 00:35:41,239 it you know 748 00:35:41,239 --> 00:35:44,742 Tracy Krausse, he in our organization, she does a fabulous job. 749 00:35:44,742 --> 00:35:47,879 Brandi Bornstein does exactly the same thing. 750 00:35:47,879 --> 00:35:50,882 If the broker's got a problem, if the members got a problem, 751 00:35:51,215 --> 00:35:52,416 we're there to fix that problem. 752 00:35:52,416 --> 00:35:55,953 I think another thing to add to is that where with GigCare. 753 00:35:55,953 --> 00:35:57,054 There's over 100,000. 754 00:35:57,054 --> 00:35:59,190 Well over 100,000 members on the plan. 755 00:35:59,190 --> 00:36:00,791 147,000. 756 00:36:00,791 --> 00:36:03,628 So when GigCare’s representing you to get these things done. 757 00:36:03,628 --> 00:36:04,162 It's not you. 758 00:36:04,162 --> 00:36:07,465 One little person going to going to Aetna, it's GigCare. 759 00:36:07,698 --> 00:36:10,735 We’re the advocate. Things get done. Yeah. 760 00:36:10,735 --> 00:36:12,603 And usually there's not problems anyway. 761 00:36:12,603 --> 00:36:14,405 But when things are needed, they get done. 762 00:36:14,405 --> 00:36:16,107 You know, things happen. 763 00:36:16,107 --> 00:36:17,175 People have claims issues. 764 00:36:17,175 --> 00:36:21,212 I think, you know, I, I had a claim kickback for $1,000 765 00:36:21,212 --> 00:36:25,249 the other day, and I get a letter from some anonymous physician service first. 766 00:36:25,249 --> 00:36:27,084 I think it's a scam. It's not. 767 00:36:27,084 --> 00:36:28,953 And for some reason it got kicked out. 768 00:36:28,953 --> 00:36:30,621 Well, I have a Med Sup plan. 769 00:36:30,621 --> 00:36:33,090 I don't have any co-pays, so I don't have any deductible. 770 00:36:33,090 --> 00:36:34,592 And they didn't know that I knew that. 771 00:36:34,592 --> 00:36:35,960 Well, I made it very clear that I didn't. 772 00:36:35,960 --> 00:36:40,064 I said I'm appealing this now, so don't make an issue out of this. 773 00:36:40,064 --> 00:36:41,732 And I gave it to my broker, 774 00:36:41,732 --> 00:36:44,835 Carolee Steel, who I talk about every week on this show. 775 00:36:45,203 --> 00:36:46,704 And she went in and knocked it down. 776 00:36:46,704 --> 00:36:48,005 And I'm not going to pay a dime of that. 777 00:36:48,005 --> 00:36:50,241 But you've got to have. An advocate, right? Right. 778 00:36:50,241 --> 00:36:52,843 That's the way it works. Well, thank you both for doing this. Okay. 779 00:36:52,843 --> 00:36:55,246 Thank you. Thank you for having us. Thank you for that. It was just great. 780 00:36:55,246 --> 00:36:57,782 It was it was wonderful to have you come out and tell your story. 781 00:36:57,782 --> 00:36:59,383 It's wonderful to hear somebody 782 00:36:59,383 --> 00:37:03,254 start a small business, be successful and obviously you're very successful. 783 00:37:03,254 --> 00:37:03,821 What you do. 784 00:37:03,821 --> 00:37:06,624 So congratulations. She's only getting started. So. Yeah. 785 00:37:06,624 --> 00:37:07,725 Yeah, you're probably right. 786 00:37:07,725 --> 00:37:09,560 If I had to guess. Debbie’s a ball of fire! 787 00:37:09,560 --> 00:37:10,261 Once again. 788 00:37:10,261 --> 00:37:13,164 You know, I do these shows that this is about education. 789 00:37:13,164 --> 00:37:17,001 It's about teaching you opportunities that are out there for health benefits. 790 00:37:17,001 --> 00:37:20,404 In this particular case, if you're an association, this is a way 791 00:37:20,404 --> 00:37:24,375 to find a solution for your members that might make a big difference for you. 792 00:37:24,609 --> 00:37:26,077 Get ahold of John Kuhlmann. 793 00:37:26,077 --> 00:37:29,046 You can get Ahold of him at kuhlmannfin.com. 794 00:37:29,046 --> 00:37:33,217 I'm going to spell it kuhlmannfin.com. 795 00:37:33,451 --> 00:37:34,485 He’ll be happy to help you. 796 00:37:34,485 --> 00:37:37,288 And now I leave you with this thought from Albert Einstein, 797 00:37:37,288 --> 00:37:40,524 the one who follows the crowd, they usually get no further than the crowd. 798 00:37:40,858 --> 00:37:45,596 The one who walks alone is likely to find himself in places no one has ever been. 799 00:37:45,930 --> 00:37:47,732 Remember, friends, it's the funny thing about life. 800 00:37:47,732 --> 00:37:52,036 If you refuse to accept anything but the very best, you most often get it. 801 00:37:52,336 --> 00:37:55,206 Thank you for listening to America's Healthcare Advocate Show, 802 00:37:55,206 --> 00:37:58,209 broadcasting coast to coast across the USA. 803 00:37:58,309 --> 00:38:00,478 Here on the HIA Radio Network. 804 00:38:00,478 --> 00:38:01,746 Goodbye America.