1 00:00:14,814 --> 00:00:16,616 The studio with me today is Maria Ahlers. 2 00:00:16,616 --> 00:00:19,319 She is the president of RPS Benefits by Design. 3 00:00:19,319 --> 00:00:21,955 What we're going to talk about today will be of great interest 4 00:00:21,955 --> 00:00:26,192 to anybody out there that is a member of an association, a co-op. 5 00:00:26,426 --> 00:00:30,530 Maybe you're just a 1099 gig worker and you can't find health benefits. 6 00:00:30,563 --> 00:00:33,566 There is a solution for you and we think we've got it. 7 00:00:35,035 --> 00:00:36,736 And now America's 8 00:00:36,736 --> 00:00:39,739 Healthcare Advocate , Cary Hall. 9 00:00:39,773 --> 00:00:40,473 Hello, America. 10 00:00:40,473 --> 00:00:44,277 Welcome to America's Healthcare Advocate show broadcasting coast to coast across 11 00:00:44,310 --> 00:00:47,347 USA here on the HIA Radio Network. 12 00:00:47,480 --> 00:00:50,884 My producers day, Mister Dave Thiessen behind the cameras and Mr. 13 00:00:50,884 --> 00:00:53,787 Garner Cowdery behind the microphones, putting all this together 14 00:00:53,787 --> 00:00:57,090 so we can put this show out there on the air across country. 15 00:00:57,190 --> 00:01:00,193 For all of you that listen to the broadcast, and for those of you 16 00:01:00,193 --> 00:01:03,196 that like to go to the podcast platform, there are 16 of them. 17 00:01:03,229 --> 00:01:05,098 And there's also the YouTube channel. 18 00:01:05,098 --> 00:01:09,903 I think we're up to about 633,000 of you now have viewed us or downloaded us. 19 00:01:09,903 --> 00:01:13,473 So we greatly appreciate that, and we greatly appreciate the fact 20 00:01:13,473 --> 00:01:16,910 this is our 22nd year of doing this show. 21 00:01:17,777 --> 00:01:18,711 Absolutely amazing. 22 00:01:18,711 --> 00:01:23,850 Frankly, it is, I always say each week, if you are chronologically challenged 23 00:01:23,850 --> 00:01:27,487 or you're looking for ACA, you need to call the lovely Carolee Steele 24 00:01:27,720 --> 00:01:30,723 over at RPS Benefits by Design anywhere in the country. 25 00:01:30,924 --> 00:01:32,592 She can help you. 26 00:01:32,592 --> 00:01:33,793 If you've got a relative. 27 00:01:33,793 --> 00:01:36,262 You know, I just had a situation where I had a relative 28 00:01:36,262 --> 00:01:40,533 go into a nursing home facility, and we moved her plan to a different plan. 29 00:01:40,533 --> 00:01:43,470 That was a special needs model, and she did it all. 30 00:01:43,470 --> 00:01:45,238 She's remarkable what she does. 31 00:01:45,238 --> 00:01:46,306 So if you want help. 32 00:01:46,306 --> 00:01:51,811 8773, eight, five, 22, 24 anywhere in the country, she's happy to help you. 33 00:01:51,811 --> 00:01:53,780 And I always tell you that if you're 34 00:01:53,780 --> 00:01:56,216 looking for employer sponsored health care, 35 00:01:56,216 --> 00:01:59,252 you did talk to the lovely Maria haulers, but today 36 00:01:59,419 --> 00:02:02,222 you can actually talk to her right here because she's on the air with me. 37 00:02:02,222 --> 00:02:05,024 Welcome back. Hi, Carrie. Nice to be back. 38 00:02:05,024 --> 00:02:06,159 It's great to have you back. 39 00:02:06,159 --> 00:02:09,162 We're going to have a I think we're going to have a really good show today. 40 00:02:09,662 --> 00:02:13,433 You know, it's interesting because we're going to focus on, on two things today. 41 00:02:13,433 --> 00:02:17,604 We're going to talk about what happens to folks that are 1099. 42 00:02:17,637 --> 00:02:20,573 And I'm looking at the show notes, as you said, over to, 43 00:02:20,573 --> 00:02:23,743 and I'm looking at this and, you know, they're 85 44 00:02:23,743 --> 00:02:26,813 million people in this country that are ten, 99 employees. 45 00:02:26,913 --> 00:02:28,148 I did not know that. 46 00:02:28,148 --> 00:02:31,151 I know the, the landscape has changed for. 47 00:02:31,417 --> 00:02:34,754 In the next five years, that number will go to 110 million. 48 00:02:35,421 --> 00:02:39,125 Wow. Yeah, it's it's interesting because what I see 49 00:02:39,159 --> 00:02:44,230 happening to some degree is a lot of employers are shedding their whole. 50 00:02:44,430 --> 00:02:47,300 We have a client that, you know, we do 51 00:02:47,300 --> 00:02:51,271 we do business with it has, I think 30,000 brokers that work underneath them. 52 00:02:51,437 --> 00:02:54,440 They move them all from W2 to 1099. 53 00:02:54,674 --> 00:02:57,877 The cost of health care, health insurance was killing them. 54 00:02:57,877 --> 00:02:58,878 That's right. 55 00:02:58,878 --> 00:03:02,749 And they, they, they found it more economical 56 00:03:02,749 --> 00:03:06,452 to go to the 1099 model and let people make their own decisions. 57 00:03:06,452 --> 00:03:10,023 So it seems to me that's a part of the market just gets missed. 58 00:03:10,023 --> 00:03:11,057 I don't see 59 00:03:11,057 --> 00:03:14,527 I don't see a lot of concentration on it in terms of trying 60 00:03:14,527 --> 00:03:15,828 to find solutions for it. 61 00:03:15,828 --> 00:03:16,462 That's right. 62 00:03:16,462 --> 00:03:19,499 I mean, there isn't I think most of the employers, you know, 63 00:03:19,499 --> 00:03:22,268 I think a lot of this started with Covid when we went to remote working. 64 00:03:22,268 --> 00:03:24,404 Right. Remote worker like. Yeah. 65 00:03:24,404 --> 00:03:26,673 So a lot of it went to remote workers. 66 00:03:26,673 --> 00:03:28,841 And then they became 1099 contractors. 67 00:03:28,841 --> 00:03:32,612 And even to attract and retain those employees, 68 00:03:33,813 --> 00:03:35,148 HR sales have shown 69 00:03:35,148 --> 00:03:39,619 the top 2 or 3 reasons why employees work for companies is for benefits. 70 00:03:39,886 --> 00:03:43,957 So to keep your 1099 workers, you need to also have benefits. 71 00:03:43,957 --> 00:03:46,993 And they're forgotten about because they're contractors. 72 00:03:46,993 --> 00:03:51,631 They're not W-2 employees, but they still have the same needs as W-2 employees. 73 00:03:51,631 --> 00:03:52,999 And they can't be on a group health 74 00:03:52,999 --> 00:03:55,301 insurance policy because they're $10 employee. 75 00:03:55,301 --> 00:03:59,505 So even so, you know, we have a trucking firm up in Omaha 76 00:03:59,806 --> 00:04:04,210 that had 4000 truckers of that 4000, about 400 1099. 77 00:04:04,210 --> 00:04:06,246 They had no benefits for these folks. 78 00:04:06,246 --> 00:04:10,650 And as a result of that, they had massive turnover. 79 00:04:11,417 --> 00:04:16,723 They went you went to the PSM Population Science Managment, but GigCare model. 80 00:04:16,789 --> 00:04:19,592 Yeah. It is part of the detangle plan. 81 00:04:19,592 --> 00:04:21,728 And they offered that to their, to their drivers. 82 00:04:21,728 --> 00:04:24,063 And it worked out to be really well for them. 83 00:04:24,063 --> 00:04:26,065 So there are solutions. 84 00:04:26,065 --> 00:04:27,734 But you got to find the solutions Maria. 85 00:04:27,734 --> 00:04:28,334 That's right. 86 00:04:28,334 --> 00:04:33,072 And I think, you know, employers they are working within the traditional 87 00:04:33,840 --> 00:04:36,709 the traditional realm w-2s get benefits. 88 00:04:36,709 --> 00:04:40,146 1099 don't that doesn't mean they don't deserve benefits. 89 00:04:40,146 --> 00:04:45,451 It's just again, trying to find carriers that will cover 1099 carriers. 90 00:04:45,652 --> 00:04:48,888 Most carriers won't cover 1099 GigCare workers. 91 00:04:49,656 --> 00:04:52,992 You know, your GigCare workers are your Uber drivers. 92 00:04:52,992 --> 00:04:54,260 They need medical benefits. 93 00:04:54,260 --> 00:04:59,532 They have families to support, hair salon stylists, realtors. 94 00:05:00,266 --> 00:05:02,769 You know they need medical benefits. 95 00:05:02,769 --> 00:05:06,439 We help a lot of realtors with getting their own medical benefits. 96 00:05:06,439 --> 00:05:09,442 And the and the benefit for the client is that 97 00:05:09,475 --> 00:05:12,679 there's no requirement on an employer contribution 98 00:05:13,379 --> 00:05:16,649 so they can contribute as much or as little as they want. 99 00:05:16,816 --> 00:05:19,018 So then it's more affordable for them. 100 00:05:19,018 --> 00:05:22,322 I'll go back to the conversation about the trucking firm. 101 00:05:22,722 --> 00:05:25,224 Actually they're in Lincoln, Nebraska, not Omaha. 102 00:05:25,224 --> 00:05:28,861 What they did to to help offset the cost of the plan. 103 00:05:28,861 --> 00:05:30,730 And they used GigCare. That's the plan. 104 00:05:30,730 --> 00:05:34,634 They used, the, the Population Science Management GigCare plan 105 00:05:34,867 --> 00:05:38,137 was they added a bonus to their, to their monthly. 106 00:05:38,171 --> 00:05:39,072 That's right. 107 00:05:39,072 --> 00:05:41,307 And it was based on the number of miles they drove. 108 00:05:41,307 --> 00:05:41,641 Yeah. 109 00:05:41,641 --> 00:05:45,645 So there was a creative way to give these people money to say, okay, 110 00:05:45,845 --> 00:05:50,116 if you're signing up for this, for this health benefit plan, GigCare, 111 00:05:50,283 --> 00:05:52,652 then we're going to go ahead and we're going to contribute 112 00:05:52,652 --> 00:05:56,222 X number dollars to your plan every month based on your driving 113 00:05:56,222 --> 00:05:58,324 a minimum number of miles, whatever the case may be. 114 00:05:58,324 --> 00:06:00,660 But here's what happened with that, which is interesting. 115 00:06:01,728 --> 00:06:04,731 They they their turnover started dropping 116 00:06:05,131 --> 00:06:08,134 because unlike the other trucking firms, 117 00:06:08,801 --> 00:06:10,303 they had health benefits. 118 00:06:10,303 --> 00:06:14,374 Yeah, we are actually we work with a lot of co-ops and associations. 119 00:06:14,374 --> 00:06:17,710 And we've heard that a lot is that they're they're 120 00:06:17,710 --> 00:06:21,280 the retention has gone up because they're able to offer benefits. 121 00:06:22,482 --> 00:06:26,285 And GigCare is also more agile 122 00:06:26,552 --> 00:06:29,322 in the fact that you can enroll. 123 00:06:29,322 --> 00:06:33,226 There's no open enrollment, there's no minimum contribution. 124 00:06:33,426 --> 00:06:36,329 It's pretty easy plan to pick out. 125 00:06:36,329 --> 00:06:40,366 We have HSAs, we have PPO, we even have an EPO. 126 00:06:40,533 --> 00:06:44,103 And it's on three different major carriers network. 127 00:06:44,570 --> 00:06:48,241 The the prescription is there so it's more agile for everyone. 128 00:06:48,374 --> 00:06:51,878 The 29 1099 contractor and the employer. 129 00:06:52,445 --> 00:06:55,448 Up until this product came in the market. 130 00:06:55,715 --> 00:06:59,018 And and it's different because the rates are universal. 131 00:06:59,085 --> 00:06:59,419 Yeah. 132 00:06:59,419 --> 00:07:01,254 So our rates so very state by state. 133 00:07:01,254 --> 00:07:03,756 You brought up ACA. There is no open roll up. 134 00:07:03,756 --> 00:07:06,759 You can roll in GigCare any any time of year you want to enroll. 135 00:07:07,326 --> 00:07:11,097 And the rate in Kansas is the same rate as California. 136 00:07:11,164 --> 00:07:14,167 The rate the rate in Missouri is the same rate as Florida. 137 00:07:14,200 --> 00:07:17,670 So our rates don't variable state by state basis like ACA 138 00:07:17,970 --> 00:07:20,940 because he is governed by the State Department, that's for sure. 139 00:07:21,040 --> 00:07:21,841 That's right. 140 00:07:21,841 --> 00:07:22,175 Yeah. 141 00:07:22,175 --> 00:07:28,548 It's it's done by your age your your health history. 142 00:07:28,581 --> 00:07:28,881 Yeah. 143 00:07:28,881 --> 00:07:33,786 And what coverage level you on employee employee child employee spouse family. 144 00:07:34,320 --> 00:07:37,323 And it's on three large major carriers network. 145 00:07:37,390 --> 00:07:40,693 Yeah we're very fortunate to have that the Blue Cross and Cigna. 146 00:07:41,360 --> 00:07:45,298 As partners of ours depending on what plan you pick and where you are, 147 00:07:45,665 --> 00:07:48,234 that we're able to offer those plans and they make a big difference. 148 00:07:48,234 --> 00:07:52,371 And so you have national coverage this is another thing too. 149 00:07:52,538 --> 00:07:54,040 And we're going to go to a break here pretty quick. 150 00:07:54,040 --> 00:07:55,641 But I just want to bring this up. 151 00:07:55,641 --> 00:07:58,344 We don't have a narrow network plan. No. 152 00:07:58,344 --> 00:08:00,213 Every ACA play my right or wrong. 153 00:08:00,213 --> 00:08:02,548 That's right. It's as if you're on a group benefit. 154 00:08:02,548 --> 00:08:05,551 It feels and looks like it but it's your own individual. 155 00:08:05,551 --> 00:08:07,687 Yeah, yeah. So these are national networks. 156 00:08:07,687 --> 00:08:09,121 They are not narrow networks. 157 00:08:09,121 --> 00:08:12,425 So then the one of the ways that the carriers control costs, they have to 158 00:08:12,725 --> 00:08:16,696 because these plans they use high Aetna pull out of the market completely 159 00:08:16,896 --> 00:08:19,932 left a million people without health insurance on ACA 160 00:08:20,266 --> 00:08:22,902 because they were losing so much money they couldn't keep doing it. 161 00:08:22,902 --> 00:08:27,974 So they narrow the network because if you control access, you control costs. 162 00:08:27,974 --> 00:08:29,909 Our plants aren't set up like that. 163 00:08:29,909 --> 00:08:32,912 We're on their top tier PPO network. 164 00:08:32,912 --> 00:08:35,748 So across the country you have if you want to go to MD 165 00:08:35,748 --> 00:08:38,885 Anderson, you have cancer, you want to go to Sloan-Kettering or, 166 00:08:38,918 --> 00:08:42,121 you know, whatever, you know, specialty hospital you want to go to. 167 00:08:42,355 --> 00:08:43,623 It's not out of network. 168 00:08:43,623 --> 00:08:45,091 That's right. It's in. Network. 169 00:08:45,091 --> 00:08:47,393 That's right. It's one of the larger carrier networks. 170 00:08:47,393 --> 00:08:49,862 And the prescription cost is is the same. 171 00:08:49,862 --> 00:08:51,931 You know, we find that a lot of our, 172 00:08:51,931 --> 00:08:54,100 our clients are really concerned about prescription costs. 173 00:08:54,100 --> 00:08:58,170 And it looks and feels the same as a group benefit except it's an individual plan. 174 00:08:58,404 --> 00:09:02,842 You have your tiered, you know, your $10 copay, your $20 copay, your $25 copay. 175 00:09:03,009 --> 00:09:05,478 So it looks and feels the same way. 176 00:09:05,478 --> 00:09:09,582 And I think that's really why people are drawn to it, is 177 00:09:10,082 --> 00:09:11,517 it looks and feels the same way. 178 00:09:11,517 --> 00:09:14,320 It's their own benefits they have. 179 00:09:14,320 --> 00:09:18,324 They can keep the same providers and maintain their prescriptions. 180 00:09:18,324 --> 00:09:18,824 Yeah. 181 00:09:18,824 --> 00:09:21,494 So when we come back to the break, we'll talk a little bit more about that. 182 00:09:21,494 --> 00:09:24,230 Some of the innovative things that are happening on GigCare 183 00:09:24,230 --> 00:09:28,434 that you might find interesting, like drug importation and foundational assistance. 184 00:09:28,434 --> 00:09:30,036 We're talking about all about that. 185 00:09:30,036 --> 00:09:31,103 But I got back from the break. 186 00:09:31,103 --> 00:09:34,273 You're listening to America's Healthcare Advocate broadcasting 187 00:09:34,273 --> 00:09:38,578 here on the HIA Radio Networkcoast to coast across USA. 188 00:09:38,611 --> 00:09:40,313 If you want to reach out to Maria. 189 00:09:40,313 --> 00:09:45,184 877385 2224 I'm sure that Hannah who 190 00:09:45,318 --> 00:09:48,988 her executive assistant be happy to chat with you and get you in front of Maria. 191 00:09:48,988 --> 00:09:52,892 If you're looking for any of these kinds of coverage for an association, 192 00:09:52,892 --> 00:09:56,462 for realtors, whatever the case may be, they are more than happy to help you out. 193 00:09:56,462 --> 00:09:58,130 RPS Benefits by Design. 194 00:09:58,130 --> 00:10:00,499 Stay right there. We'll be right back after the break. 195 00:10:07,540 --> 00:10:11,544 You. Welcome back. 196 00:10:11,577 --> 00:10:12,678 You're listening to America's 197 00:10:12,678 --> 00:10:16,549 Healthcare Advocate s Show, broadcasting coast to coast across USA. 198 00:10:16,716 --> 00:10:20,052 I want to give a shout out to 14:42 a.m.. 199 00:10:20,052 --> 00:10:23,089 RJ, the big talker in Topeka, Kansas. 200 00:10:23,089 --> 00:10:26,392 Very happy to have them as part of our America's Healthcare Advocate family. 201 00:10:26,659 --> 00:10:31,263 A great station up there in Topeka that carries her show The Big Talker. 202 00:10:31,263 --> 00:10:33,332 1440 k MJ. 203 00:10:33,332 --> 00:10:34,900 All right, so let's switch gears a little bit 204 00:10:34,900 --> 00:10:37,937 now because, you know, this is another issue. 205 00:10:38,304 --> 00:10:41,974 The ACA plans are boxed in by CMS, the centers 206 00:10:41,974 --> 00:10:43,509 for Medicaid and Medicare Services 207 00:10:43,509 --> 00:10:45,444 that tell them what they can do and what they can't do. 208 00:10:45,444 --> 00:10:47,480 We're not a CMS plan. No, we're not. 209 00:10:47,480 --> 00:10:50,383 We're regulated by a Reso, which is the Department of Labor. 210 00:10:50,383 --> 00:10:53,386 It's a totally different model that we have in place. 211 00:10:53,386 --> 00:10:58,190 And that model, which was set up under Population Science Management, 212 00:10:58,190 --> 00:11:02,461 as you mentioned, a large group plan, but individual coverage underneath that plan, 213 00:11:02,561 --> 00:11:03,663 which is GigCare. 214 00:11:03,663 --> 00:11:09,502 So what we did, what what with PSM and and and with GigCare was 215 00:11:10,536 --> 00:11:12,571 we start a drug importation program. 216 00:11:12,571 --> 00:11:14,440 We have our own PBM. 217 00:11:14,440 --> 00:11:17,410 As you know, if somebody needs a medication 218 00:11:17,410 --> 00:11:21,080 that is outrageously expensive here, we'll bring it in from Canada, 219 00:11:21,080 --> 00:11:22,381 New Zealand, Australia. 220 00:11:22,381 --> 00:11:24,984 Which then helps to reduce the cost. 221 00:11:24,984 --> 00:11:25,651 That's right. 222 00:11:25,651 --> 00:11:29,088 So, so the the craze over the weight loss drugs okay. 223 00:11:29,088 --> 00:11:34,794 When all this first started $1,100 a month if you didn't qualify as a type two 224 00:11:34,794 --> 00:11:39,031 diabetic under ACA, we brought that drug in for $89 from Canada. 225 00:11:39,298 --> 00:11:42,301 Okay. Versus 1100. 226 00:11:42,301 --> 00:11:43,836 That's just an example. 227 00:11:43,836 --> 00:11:45,871 I mean, Humira is another one. 228 00:11:45,871 --> 00:11:48,207 You know, where our cost is significantly different 229 00:11:48,207 --> 00:11:51,277 than what you're going to see out there, on the ACA plans. 230 00:11:51,277 --> 00:11:52,845 Because 231 00:11:52,845 --> 00:11:56,148 first of all, we're not trying to make a profit off of the medications. 232 00:11:56,148 --> 00:11:58,851 And all the carriers that that's part of the formula. 233 00:11:59,952 --> 00:12:00,553 That's right. 234 00:12:00,553 --> 00:12:03,355 I mean, you're you're really 235 00:12:03,355 --> 00:12:05,624 coming down to the needs of the individuals 236 00:12:05,624 --> 00:12:07,393 that really need the prescription. 237 00:12:07,393 --> 00:12:11,263 And you're finding ways I mean, we're talking about it in the 238 00:12:11,263 --> 00:12:16,502 political climate that we're in right now to of reducing the drug, drug costs. 239 00:12:17,503 --> 00:12:20,506 That's one of the biggest pieces we see a certain. 240 00:12:20,673 --> 00:12:21,841 Set of, of of. 241 00:12:21,841 --> 00:12:23,042 Spend. That's right. 242 00:12:23,042 --> 00:12:28,814 And when we look at group group renewals where a company comes up for renewal 243 00:12:28,814 --> 00:12:32,351 and they get a renewal rate, we're able to, depending on what plan 244 00:12:32,351 --> 00:12:34,019 they're on, if they're on a self-insured or level 245 00:12:34,019 --> 00:12:36,322 funded plan, we can actually look under the hood. 246 00:12:36,322 --> 00:12:39,558 And what we see a lot inside carry is a lot of that renewal 247 00:12:39,558 --> 00:12:42,561 rate increase is because of prescription costs. 248 00:12:42,661 --> 00:12:46,899 You have 1 or 2 people taking two major expensive drugs. 249 00:12:47,133 --> 00:12:52,037 And what everybody gets to pay now the whole group is going to be penalized 250 00:12:52,037 --> 00:12:54,573 because you've got one person over here on Humera 251 00:12:54,573 --> 00:12:57,576 or one person on some other major medication, 252 00:12:58,144 --> 00:13:01,781 that it's covered, but it's going to be reflected back in the premium. 253 00:13:01,981 --> 00:13:06,418 Our situation is very different because, we're we'll do drug importation. 254 00:13:06,619 --> 00:13:10,256 And not to mention you also do prescription assistance. 255 00:13:10,256 --> 00:13:16,028 So if someone can't afford a prescription, you have the company has some client 256 00:13:16,028 --> 00:13:19,498 care specialists that will help find a way to get that funding. 257 00:13:19,565 --> 00:13:20,666 It's called script date. 258 00:13:20,666 --> 00:13:24,069 And what you're talking about is foundational assistance and what we do. 259 00:13:24,170 --> 00:13:25,905 I'm going to give you an example here. 260 00:13:25,905 --> 00:13:27,940 You have a child on a growth hormone. 261 00:13:27,940 --> 00:13:30,843 It's over $100,000 a year. 262 00:13:30,843 --> 00:13:32,745 Well, most people cannot afford that. 263 00:13:32,745 --> 00:13:35,881 Obviously you can apply to foundational services 264 00:13:35,881 --> 00:13:39,485 to get that drug for free and have it drop shipped to your door. 265 00:13:39,485 --> 00:13:40,786 So what do we do? 266 00:13:40,786 --> 00:13:43,589 We have nurses. This is their job. 267 00:13:43,589 --> 00:13:45,024 They do all paperwork. 268 00:13:45,024 --> 00:13:46,292 There's a lot of paperwork. 269 00:13:46,292 --> 00:13:46,992 Yeah, okay. 270 00:13:46,992 --> 00:13:48,928 And then that paperwork goes to the doctor 271 00:13:48,928 --> 00:13:52,398 who in turn submits it to the pharmaceutical manufacturer. 272 00:13:52,698 --> 00:13:53,933 They approve it and it. 273 00:13:53,933 --> 00:13:55,701 And then that medication is sent. 274 00:13:55,701 --> 00:13:57,403 You can't do that on ACA. 275 00:13:57,403 --> 00:13:59,471 And you know how I found out about this? 276 00:13:59,471 --> 00:14:02,274 We had a broker in Fort 277 00:14:02,274 --> 00:14:05,611 Worth, Texas, whose child needed the growth hormone. 278 00:14:05,611 --> 00:14:07,580 He was on an ACA plan. 279 00:14:07,580 --> 00:14:09,248 They didn't have any coverage for it. 280 00:14:09,248 --> 00:14:11,584 It's basically it's not on the formulary. 281 00:14:11,584 --> 00:14:13,419 Sorry. It's not covered. 282 00:14:13,419 --> 00:14:16,755 And he was trying to figure out how he was going to pay for this, 283 00:14:16,755 --> 00:14:18,724 because you got to do whatever you have to do for your child. 284 00:14:18,724 --> 00:14:19,325 That's right. 285 00:14:19,325 --> 00:14:20,392 Let's be real. 286 00:14:20,392 --> 00:14:24,063 Well, we turned around to drug importation and put him on one of our plans, 287 00:14:24,330 --> 00:14:26,966 and he got the medication for free. 288 00:14:26,966 --> 00:14:29,702 I think this GigCare really fills 289 00:14:29,702 --> 00:14:32,972 a gap in our community that has been 290 00:14:34,206 --> 00:14:37,209 by far, long needed. 291 00:14:37,743 --> 00:14:39,812 We have 292 00:14:39,812 --> 00:14:42,248 people who are 293 00:14:42,248 --> 00:14:46,585 gig workers that need these care, these these plans 294 00:14:46,886 --> 00:14:50,456 and the ACA plans don't meet everybody's needs. 295 00:14:50,990 --> 00:14:53,158 We had a client that's in Australia. 296 00:14:53,158 --> 00:14:57,863 They're standing up a couple of virtual offices here. 297 00:14:57,897 --> 00:15:00,900 One of them is a virtual radiology office. 298 00:15:01,267 --> 00:15:06,005 Well, radiologists there, they want medical plan coverage. 299 00:15:06,272 --> 00:15:10,175 And they so they reached out to us because they heard 300 00:15:10,175 --> 00:15:13,445 that we were doing GigCare, and we were able to sign them up on it. 301 00:15:14,046 --> 00:15:16,749 And not everybody has to pick the same plan. 302 00:15:16,749 --> 00:15:18,784 That's the beauty. That's the other thing. 303 00:15:18,784 --> 00:15:19,318 You're right. 304 00:15:19,318 --> 00:15:22,321 You know, everybody can pick what works for them. 305 00:15:22,788 --> 00:15:25,791 And it's easy to understand. 306 00:15:26,225 --> 00:15:28,427 And that makes it easy for everyone. 307 00:15:28,427 --> 00:15:31,397 You know, going back to to the growth hormones, I had a girlfriend. 308 00:15:31,397 --> 00:15:35,167 She was on one of the major carriers plan, and 309 00:15:36,201 --> 00:15:40,105 the the stairways were costing her several thousand dollars a month. 310 00:15:40,105 --> 00:15:43,709 And so she asked me, she's like, Maria, is are there other solutions? 311 00:15:44,043 --> 00:15:46,145 And at the time there wasn't and there are. 312 00:15:46,145 --> 00:15:47,313 So yeah, there are. 313 00:15:47,313 --> 00:15:50,282 So it's having to will you just do what needs to be done. 314 00:15:50,416 --> 00:15:53,052 So you brought some attention. You brought up radiology. 315 00:15:53,052 --> 00:15:56,055 So Cat scans, CT scans, 316 00:15:56,255 --> 00:15:59,558 MRI eyes, all of that on an ACA plan. 317 00:15:59,558 --> 00:16:01,060 You're going to hit the deductible. 318 00:16:01,060 --> 00:16:02,695 That's right. You're going to hit the co-insurance. 319 00:16:02,695 --> 00:16:07,833 So now let's say the hospital says, well, we want to do a CT scan and it's $1,600. 320 00:16:08,100 --> 00:16:10,302 You're probably going to eat the largest part of that. 321 00:16:10,302 --> 00:16:11,971 Under our plan. 322 00:16:11,971 --> 00:16:13,472 They get a. Voucher. They do. 323 00:16:13,472 --> 00:16:17,676 They can go to one of the locations that that GigCare works with. 324 00:16:17,910 --> 00:16:22,614 And they can go there, give him the voucher and get taken care of. 325 00:16:22,614 --> 00:16:25,384 No, no deductible donation copay. 326 00:16:25,384 --> 00:16:27,286 And the plan is called green imaging. 327 00:16:27,286 --> 00:16:29,321 And what they do is they contract with a. 328 00:16:29,321 --> 00:16:32,091 Just heard me to talk about virtual radiology. 329 00:16:32,091 --> 00:16:35,894 These people contract with independent radiology centers around the country. 330 00:16:36,061 --> 00:16:37,496 We have a contract with them. 331 00:16:37,496 --> 00:16:40,199 We can send our people there. We pay for it, okay. 332 00:16:40,199 --> 00:16:42,334 And they don't have a deductible, coinsurance or anything else. 333 00:16:42,334 --> 00:16:45,337 So that's another idea of what separates us. 334 00:16:45,537 --> 00:16:47,840 Well, there's lots of ideas that separate you. 335 00:16:47,840 --> 00:16:52,244 There's a telemedicine piece, EAP we know mental health is very important. 336 00:16:53,278 --> 00:16:54,413 There's 337 00:16:54,413 --> 00:16:59,184 and even even though it's not a group traditional plan, 338 00:16:59,318 --> 00:17:02,321 you still get the preventive care for free. 339 00:17:02,554 --> 00:17:06,392 They also have their diet thrive, which is their diabetic program 340 00:17:06,392 --> 00:17:07,326 that they help you with. 341 00:17:07,326 --> 00:17:10,529 So there's lots of other things underneath this product. 342 00:17:10,662 --> 00:17:11,296 Yeah, yeah. 343 00:17:11,296 --> 00:17:14,299 You mentioned the telemedicine piece of our telemedicine 344 00:17:14,299 --> 00:17:15,701 piece is called My Life Doc. 345 00:17:15,701 --> 00:17:16,835 And the beauty of that is 346 00:17:16,835 --> 00:17:20,272 especially people are rural communities, you know, where they have to drive 347 00:17:20,639 --> 00:17:23,809 45 minutes, sometimes an hour to get to a primary care doc. 348 00:17:24,109 --> 00:17:27,513 You can go up 24 over seven if you like the doctor, 349 00:17:27,813 --> 00:17:30,883 you can keep the same doctor and just keep going back to the doctor. 350 00:17:31,517 --> 00:17:33,018 The same thing with urgent care. 351 00:17:33,018 --> 00:17:33,752 You know, 352 00:17:33,752 --> 00:17:37,556 I always use the example of mom comes home from work at 530, 6:00 at night. 353 00:17:37,790 --> 00:17:38,857 Johnny's got pinkeye. 354 00:17:38,857 --> 00:17:40,659 She's got to drive to urgent care. 355 00:17:40,659 --> 00:17:41,460 No you don't. 356 00:17:41,460 --> 00:17:44,463 You go up on my live, doc, get him in front of the computer. 357 00:17:44,463 --> 00:17:46,432 Doctor says you've got conjunctivitis. 358 00:17:46,432 --> 00:17:49,301 Johnny. I'm going to give you a prescription. That took 15. Minutes. 359 00:17:49,301 --> 00:17:52,237 And if you go to urgent care, there's also a copay. 360 00:17:52,237 --> 00:17:54,840 Oh, yeah. There's no copay. Here. That's right. 361 00:17:54,840 --> 00:17:56,442 There's no copay to go out of pocket. 362 00:17:56,442 --> 00:17:57,476 So basically, 363 00:17:57,476 --> 00:17:59,545 you could accomplish the same thing. And the other piece 364 00:17:59,545 --> 00:18:02,648 that is really interesting is that we do behavioral health. 365 00:18:02,948 --> 00:18:06,185 And that's four visits for every person on this plan. 366 00:18:06,518 --> 00:18:09,588 And in today's world, with the social media pressure on these 367 00:18:09,588 --> 00:18:13,559 kids, having to be able to talk to somebody could make a big difference. 368 00:18:13,692 --> 00:18:16,061 And you can do that also virtually. Yes. All time. 369 00:18:16,061 --> 00:18:16,995 Virtually. Again, it's correct. 370 00:18:16,995 --> 00:18:19,998 It's it's accessible to anywhere that you live. 371 00:18:20,432 --> 00:18:24,369 If you want information on this 877385 2224, 372 00:18:24,503 --> 00:18:28,440 maybe you're in an association or you're in a farmer's co-op, 373 00:18:28,540 --> 00:18:32,578 or you're in a realty group and you guys don't have coverage or gals. 374 00:18:32,778 --> 00:18:33,212 Okay. 375 00:18:33,212 --> 00:18:35,581 And maybe what you've got is ridiculously priced. 376 00:18:35,581 --> 00:18:37,783 You're on ACA, subsidies are gone. 377 00:18:37,783 --> 00:18:40,185 You're paying maybe 1000 $1,200 a month. 378 00:18:40,185 --> 00:18:42,488 We see a lot of people paying those kind of numbers. 379 00:18:42,488 --> 00:18:44,656 This plan is significantly different. 380 00:18:44,656 --> 00:18:46,158 Maria can help you. 381 00:18:46,158 --> 00:18:49,695 877385 2224 anywhere in the country. 382 00:18:49,962 --> 00:18:54,466 Their website rpsbenefitsbydesigninc.com. 383 00:18:54,466 --> 00:18:57,402 Go on it, send them an email. They'll be happy to help you. 384 00:18:57,402 --> 00:18:58,837 I'll be right back after the break. 385 00:18:58,837 --> 00:19:01,340 You're listening to America's Healthcare Advocate 386 00:19:01,340 --> 00:19:04,343 Broadcasting here on the HIA Radio Network. 387 00:19:04,443 --> 00:19:06,678 Coast to Coast Cross, USA. 388 00:19:18,490 --> 00:19:19,358 Welcome back. 389 00:19:19,358 --> 00:19:20,893 You're listening to America's Healthcare 390 00:19:20,893 --> 00:19:24,463 Advocate show broadcasting coast to coast across USA. 391 00:19:24,730 --> 00:19:27,633 Here on the Issue Radio Network, you can find out more about us 392 00:19:27,633 --> 00:19:30,602 by going to the website America's Healthcare Advocate .com. 393 00:19:30,702 --> 00:19:32,437 If you have a question. 394 00:19:32,437 --> 00:19:35,107 If you need help with something, feel free to reach out to me. 395 00:19:35,107 --> 00:19:36,475 We'll be happy to get back to you. 396 00:19:36,475 --> 00:19:38,310 So let's switch gears now. 397 00:19:38,310 --> 00:19:39,912 You know we're learning. 398 00:19:39,912 --> 00:19:42,915 This is shocking me, frankly, to be honest with you, 399 00:19:43,081 --> 00:19:46,051 I had no idea there were as many associations out there. 400 00:19:46,051 --> 00:19:49,388 Yes, as I mean, Maria, it is just unbelievable. 401 00:19:49,388 --> 00:19:50,322 There's an associate. 402 00:19:50,322 --> 00:19:54,993 There's actually an association for all of the 1099 workers. 403 00:19:54,993 --> 00:19:56,295 I didn't even know this 404 00:19:56,295 --> 00:20:00,232 who work at Home Depot, menards and all these big box stores. 405 00:20:00,432 --> 00:20:03,969 If you need an icemaker installed in your refrigerator and you buy it there, 406 00:20:04,269 --> 00:20:07,005 they these are the guys and gals that come out and do it. 407 00:20:07,005 --> 00:20:08,874 There's an association of these people. 408 00:20:08,874 --> 00:20:10,142 There's an association. 409 00:20:10,142 --> 00:20:12,477 They've got like 40,000 people. 410 00:20:12,477 --> 00:20:13,879 This association. 411 00:20:13,879 --> 00:20:16,882 Well, Intel, they connected with the US. 412 00:20:16,882 --> 00:20:19,117 They had no health benefits. Okay. 413 00:20:19,117 --> 00:20:24,389 You know, we've got a farm co-op, in, in in Nebraska with 40,000 members. 414 00:20:24,723 --> 00:20:27,893 And, they've never had benefits to offer. 415 00:20:27,893 --> 00:20:29,061 And now they do. 416 00:20:29,061 --> 00:20:31,964 So talk a little bit about how this benefits it. 417 00:20:31,964 --> 00:20:35,167 We're talking specifically to people out there involved in association. 418 00:20:35,400 --> 00:20:37,502 Your association has no benefits. 419 00:20:37,502 --> 00:20:39,571 How do you set this up and how does it work. 420 00:20:39,571 --> 00:20:40,906 So it's not complicated. 421 00:20:40,906 --> 00:20:44,376 Now they need to understand you're the one that's actually making all this happen. 422 00:20:44,376 --> 00:20:45,110 That's right. 423 00:20:45,110 --> 00:20:45,811 It's simple. 424 00:20:45,811 --> 00:20:47,346 You call our phone number 425 00:20:47,346 --> 00:20:50,983 that you can find on our website the Benefits by Sign Inc website. 426 00:20:51,583 --> 00:20:54,720 You call in one of our good care consultants, 427 00:20:55,621 --> 00:20:57,723 ask you some questions. 428 00:20:57,723 --> 00:21:00,726 If you pass the medical, 429 00:21:01,093 --> 00:21:05,597 the overriding, then we'll go through and see what your budget is 430 00:21:05,597 --> 00:21:09,234 and and ask you what kind of plans you're looking for. 431 00:21:09,635 --> 00:21:12,070 And then we help you enroll and then 432 00:21:13,105 --> 00:21:14,673 then you get your card in the mail. 433 00:21:14,673 --> 00:21:18,543 So the say the CEO of the association comes and says, you know what? 434 00:21:18,543 --> 00:21:20,779 We really we think this is a pretty good plan. 435 00:21:20,779 --> 00:21:22,080 Talk about how you implement that. 436 00:21:22,080 --> 00:21:26,418 How do you market that outbound marketing, messaging, email, text, 437 00:21:26,485 --> 00:21:30,088 talk about all the things that you do to help them get people on the planet. 438 00:21:30,088 --> 00:21:34,226 Oh, by the way, every association that does this gets a $10 439 00:21:34,226 --> 00:21:38,363 marketing fee every month for helping promote the GigCare plan, right? 440 00:21:38,397 --> 00:21:38,930 That's right. 441 00:21:38,930 --> 00:21:42,701 What we do is we work with the association and we try to understand 442 00:21:42,701 --> 00:21:44,403 what works for them. 443 00:21:44,403 --> 00:21:46,605 As far as what that roadmap looks like. 444 00:21:46,605 --> 00:21:47,439 To roll this out, 445 00:21:47,439 --> 00:21:52,110 we will get them a dedicated phone line, which then we become their benefits team. 446 00:21:52,277 --> 00:21:55,847 So then their employees can call us or their 1099 contractors can call us. 447 00:21:56,782 --> 00:21:58,583 We will do the marketing for them. 448 00:21:58,583 --> 00:22:01,586 We will send out emails, we will do outbound calls. 449 00:22:02,120 --> 00:22:02,921 We will, 450 00:22:04,089 --> 00:22:06,391 meet with them in person. 451 00:22:06,391 --> 00:22:07,693 So then what? 452 00:22:07,693 --> 00:22:09,695 So then we will do the enrollment for them. 453 00:22:09,695 --> 00:22:11,730 We'll help them find a plan, make sure their providers 454 00:22:11,730 --> 00:22:14,733 are getting their their prescription, their prescriptions are covered. 455 00:22:15,467 --> 00:22:18,203 And then do the enrollment for them. 456 00:22:18,203 --> 00:22:21,206 And then if they have any questions, they just call us or they call the GigCare 457 00:22:21,506 --> 00:22:23,041 team. Same thing with farm co-ops. 458 00:22:23,041 --> 00:22:25,777 Yep. Everybody. Everybody's the same. 459 00:22:25,777 --> 00:22:30,015 We have a general line that if you are a 1099 and you just need 460 00:22:31,350 --> 00:22:33,618 medical coverage, you can just call our general line. 461 00:22:33,618 --> 00:22:36,288 If you're with a co-op, an association, 462 00:22:36,288 --> 00:22:39,291 a realtor group, a franchise group, 463 00:22:39,324 --> 00:22:42,527 an organization that has and we have a client 464 00:22:42,794 --> 00:22:48,934 that has about 410, 99 contractors that works in a warehouse, installing, 465 00:22:50,202 --> 00:22:51,203 widgets. 466 00:22:51,203 --> 00:22:53,572 And they need medical care. 467 00:22:53,572 --> 00:22:57,876 So we we become their benefits team for their 1099 contractors and their w-2s. 468 00:22:58,043 --> 00:23:02,247 And we've also got you've also got a client who has 400 franchises. 469 00:23:02,247 --> 00:23:03,482 They service. That's right. 470 00:23:03,482 --> 00:23:05,016 They are now on board gate care. 471 00:23:05,016 --> 00:23:07,886 So talk about how that's going to work. 472 00:23:07,886 --> 00:23:10,956 And for franchisees who you know, the 473 00:23:11,223 --> 00:23:14,259 the manager of that particular let's say 474 00:23:14,926 --> 00:23:18,497 you know, sub shop or pizza shop or, or whatever 475 00:23:18,497 --> 00:23:22,734 the facility is, if it's a franchise, you're able to offer plan. 476 00:23:22,734 --> 00:23:24,469 So how do you how does that all work? 477 00:23:24,469 --> 00:23:26,872 You know, I think you brought in a really good point, Kerry. 478 00:23:26,872 --> 00:23:28,874 We have 479 00:23:28,874 --> 00:23:34,546 employers that have W-2 employees, and through the renewal 480 00:23:34,546 --> 00:23:38,383 it may have increased, but they have one or 2 or 3 employees 481 00:23:38,717 --> 00:23:41,553 and they still want to provide those employees with benefits. 482 00:23:41,553 --> 00:23:43,155 They qualify for GigCare. 483 00:23:43,155 --> 00:23:45,157 So that's just like the franchise owners. 484 00:23:45,157 --> 00:23:47,492 The franchise owners have a small team. 485 00:23:47,492 --> 00:23:51,596 They call us, and we work with them to determine 486 00:23:51,897 --> 00:23:54,666 what works best for their their employees. 487 00:23:54,666 --> 00:23:55,867 And same thing. 488 00:23:55,867 --> 00:23:57,936 We become their, their benefits team. 489 00:23:57,936 --> 00:24:02,574 So that has to make a difference, Maria, in terms of retention and recruitment, 490 00:24:02,574 --> 00:24:05,544 because the second question that a potential employee 491 00:24:05,544 --> 00:24:10,882 always asks after what am I going to get paid is what are my benefits? 492 00:24:10,916 --> 00:24:11,550 That's right. 493 00:24:11,550 --> 00:24:12,684 What are my benefits? 494 00:24:12,684 --> 00:24:17,155 And we'll create the marketing tools for them, the benefits booklet for them 495 00:24:17,155 --> 00:24:18,557 so they can have it. 496 00:24:18,557 --> 00:24:21,560 We want our small employers 497 00:24:21,560 --> 00:24:25,030 to feel and look just like a big employer. 498 00:24:25,030 --> 00:24:26,331 They can offer benefits. 499 00:24:26,331 --> 00:24:28,433 They have growth opportunities. 500 00:24:28,433 --> 00:24:30,302 They have a great culture. 501 00:24:30,302 --> 00:24:33,271 Those are all the things small, small organizations have to. 502 00:24:33,338 --> 00:24:36,341 What they need is a solution for medical. 503 00:24:36,541 --> 00:24:38,210 Because of the 504 00:24:39,578 --> 00:24:41,813 because of the Department of Labor, of insurance. 505 00:24:41,813 --> 00:24:42,147 Yeah. 506 00:24:42,147 --> 00:24:45,317 Let's talk about realtors have it because we have found this is an area 507 00:24:45,317 --> 00:24:48,320 that, you know, I was somewhat surprised. 508 00:24:48,887 --> 00:24:51,289 I'm, I get I'm going to tell you a quick story here. 509 00:24:51,289 --> 00:24:54,559 Well, we have a broker in Nebraska who had a client in Florida, 510 00:24:54,926 --> 00:24:57,395 and that client was paying 2200. 511 00:24:57,395 --> 00:25:00,398 No, excuse me, $3,200 a month, 512 00:25:00,665 --> 00:25:03,335 for health insurance for himself and his wife. 513 00:25:03,335 --> 00:25:06,571 Now, he was 57, 58 years old. 514 00:25:06,571 --> 00:25:09,007 Whatever the case may be. Well, he paid he paid it. 515 00:25:09,007 --> 00:25:09,541 He was on. 516 00:25:09,541 --> 00:25:12,511 He was on a Blue Cross Blue shield plan in Florida. 517 00:25:12,511 --> 00:25:17,148 And then he got his ACA premium increase and it went to $5,000 a month. Wow. 518 00:25:17,215 --> 00:25:18,750 Can you imagine? 519 00:25:18,750 --> 00:25:21,152 That's a house payment and a half. 520 00:25:21,152 --> 00:25:22,187 Okay. 521 00:25:22,187 --> 00:25:25,023 So the the our broker in Nebraska 522 00:25:25,023 --> 00:25:28,126 knew him personally how he put him on get care. 523 00:25:28,126 --> 00:25:31,363 We put him on gig K for $1,200 a month. 524 00:25:31,930 --> 00:25:34,933 I have a better plan. That's a better plan. 525 00:25:35,100 --> 00:25:37,903 No. Now network national coverage, 526 00:25:37,903 --> 00:25:40,906 prescription drugs, the whole nine yards, 1200. 527 00:25:41,239 --> 00:25:42,140 I was blown away. 528 00:25:42,140 --> 00:25:44,976 Now, the rates in Florida are extremely high. 529 00:25:44,976 --> 00:25:49,047 They put through huge increases last year, but, that's just one example. 530 00:25:49,080 --> 00:25:51,483 We hear stories like that all the time. 531 00:25:51,483 --> 00:25:54,019 I had an attorney down in Texas. 532 00:25:54,019 --> 00:25:58,023 He has a couple of 1099 paralegals that work for him. 533 00:25:58,823 --> 00:26:01,626 His problem is retention because they need medical benefits. 534 00:26:01,626 --> 00:26:03,795 He heard about us. He called us. 535 00:26:03,795 --> 00:26:05,797 He was paying for his family. 536 00:26:05,797 --> 00:26:08,433 20, 23, 2400. 537 00:26:08,433 --> 00:26:13,972 He came to us and we were able to reduce it to 1500, 15, 1600. 538 00:26:15,040 --> 00:26:17,676 He was able to offer benefits to his paralegals. 539 00:26:17,676 --> 00:26:19,311 Realtors are the same thing. 540 00:26:19,311 --> 00:26:22,347 They get offered a association 541 00:26:22,347 --> 00:26:25,517 wide plans, but they're so expensive. 542 00:26:25,584 --> 00:26:27,352 Their group plans. Yeah, their group plans. 543 00:26:27,352 --> 00:26:29,187 And they're so expensive. 544 00:26:29,187 --> 00:26:31,923 And sometimes they don't even fit their families well. 545 00:26:31,923 --> 00:26:33,825 And the other thing is, what happened 546 00:26:33,825 --> 00:26:37,262 with a lot of these realtor associations is a realtor groups 547 00:26:37,629 --> 00:26:41,566 is that they go into these things thinking it's going to be a solution. 548 00:26:41,566 --> 00:26:43,635 Then the rates just keep going up. 549 00:26:43,635 --> 00:26:44,336 And what happens? 550 00:26:44,336 --> 00:26:46,838 All the healthy people bail, right? 551 00:26:46,838 --> 00:26:50,575 And then you're left with this group of people that are not healthy at all. 552 00:26:50,875 --> 00:26:53,278 And the rates are double, triple what they were to start with. 553 00:26:53,278 --> 00:26:56,281 So for realtors, this is a great solution. 554 00:26:56,281 --> 00:27:00,485 If you're a broker running a realtor office, you know I don't care who you are. 555 00:27:00,485 --> 00:27:04,889 If you're Keller Williams or your Remax, or you're Better Homes and Gardens 556 00:27:04,889 --> 00:27:07,892 or South Bays or whatever the case may be. 557 00:27:08,593 --> 00:27:10,762 This is a hell of a solution for them, isn't it? 558 00:27:10,762 --> 00:27:11,329 It is. 559 00:27:11,329 --> 00:27:15,634 It's we've heard a lot from realtors that they have found this solution 560 00:27:15,634 --> 00:27:17,202 better than what they've been offered. 561 00:27:18,436 --> 00:27:18,970 I think the 562 00:27:18,970 --> 00:27:22,807 the the main point here, Kerry, is good care works 563 00:27:22,941 --> 00:27:26,745 for a large group of people that have been forgotten. 564 00:27:27,145 --> 00:27:29,881 Yeah, there is no solution out there for these folks. 565 00:27:29,881 --> 00:27:33,618 You know, when we first designed this plan that did go with Population 566 00:27:33,618 --> 00:27:37,288 Science Management, our company that actually owns the plan, good care. 567 00:27:38,156 --> 00:27:41,626 It the, the we were the folks of Blue Cross and Blue Shield. 568 00:27:41,626 --> 00:27:43,862 Nebraska came to us with a very large group. 569 00:27:43,862 --> 00:27:48,066 They were they were moving off the DB2 on the 1099 and that's why we did it. 570 00:27:48,867 --> 00:27:53,004 And then we realized, Holy cow, there are 85 million people out there. 571 00:27:53,004 --> 00:27:57,175 88 million people that don't have that are 1099 that are struggling for coverage. 572 00:27:57,308 --> 00:28:00,311 And if they have to buy ACA plans, you just gave examples. 573 00:28:00,478 --> 00:28:04,249 Well, you also think about the the kids that are 574 00:28:04,249 --> 00:28:06,551 aging off of their parents plan too, right? 575 00:28:06,551 --> 00:28:07,786 I hadn't even thought of that. Yes. 576 00:28:07,786 --> 00:28:10,522 So you're hitting a lot of different 577 00:28:11,656 --> 00:28:12,657 demographics 578 00:28:12,657 --> 00:28:15,994 on on this product that can fill their need. Kids 579 00:28:15,994 --> 00:28:20,498 who are aging off of their their parents plan, 26 year olds, they need a plan. 580 00:28:21,032 --> 00:28:23,401 And this is again, 581 00:28:23,401 --> 00:28:26,604 we're on Aetna, Cigna and BlueCross BlueShield of Nebraska network. 582 00:28:27,405 --> 00:28:28,206 Yeah. Why not. 583 00:28:28,206 --> 00:28:28,673 Yeah. 584 00:28:28,673 --> 00:28:31,676 Can and by the way that that Blue and Braska network has 585 00:28:31,710 --> 00:28:34,879 what's called the blue card which then gives you access nationally 586 00:28:35,313 --> 00:28:37,115 to all the Blue Cross and blue shield plans. 587 00:28:37,115 --> 00:28:40,351 That's why we were able to offer Blue Cross and Blue Shield, as we do, 588 00:28:40,952 --> 00:28:41,953 across the country. 589 00:28:41,953 --> 00:28:46,191 When we come back from the break, we'll, we'll dive in a little more on 590 00:28:46,191 --> 00:28:49,194 some of the examples we've seen. 591 00:28:49,327 --> 00:28:50,562 And some of the differences. 592 00:28:50,562 --> 00:28:54,466 This is made for people, whether it's franchisees, franchisors, 593 00:28:54,466 --> 00:28:58,069 whether it's co-ops or whether it's associations. 594 00:28:59,304 --> 00:29:01,639 As Maria said, there's a solution here. 595 00:29:01,639 --> 00:29:04,175 You do have to pick up the phone and give them a call if you want some help. 596 00:29:04,175 --> 00:29:08,513 877385 2224 pick up the phone. 597 00:29:08,513 --> 00:29:10,281 Call them. Ask for Maria. 598 00:29:10,281 --> 00:29:12,183 You'll probably get Hannah first. 599 00:29:12,183 --> 00:29:13,418 Her executive assistant. 600 00:29:13,418 --> 00:29:15,353 And she's wonderful. Okay. 601 00:29:15,353 --> 00:29:19,324 And then she can talk to you about putting is in play for your association, 602 00:29:19,324 --> 00:29:20,091 your co-op. 603 00:29:20,091 --> 00:29:23,161 Maybe you're not on the board of directors, but maybe you're just a member. 604 00:29:23,161 --> 00:29:26,598 Well, you might want to be the one that brings us to their attention and say, 605 00:29:26,598 --> 00:29:27,165 you know what? 606 00:29:27,165 --> 00:29:29,634 We could be doing this and it would make a big difference. 607 00:29:29,634 --> 00:29:32,036 Stay tuned. We'll be right back after the break. 608 00:29:32,036 --> 00:29:34,506 You're listening to America's Healthcare Advocate 609 00:29:34,506 --> 00:29:37,475 Broadcasting here on the HIA Radio Network. 610 00:29:37,475 --> 00:29:39,277 Coast to coast across USA. 611 00:29:39,277 --> 00:29:44,149 The website is our rpsbenefitsbydesigninc.com. 612 00:29:44,182 --> 00:29:46,217 Stay right there. We'll be right back after the break. 613 00:29:53,558 --> 00:29:54,359 Welcome back. 614 00:29:54,359 --> 00:29:57,762 You're listening to America's Healthcare Advocate show broadcasting coast 615 00:29:57,762 --> 00:30:02,066 to coast across USA here on the HIA Radio Network in studio with me 616 00:30:02,066 --> 00:30:05,804 Maria Ahlers, she is the president of Benefits by Design. 617 00:30:06,004 --> 00:30:08,773 We are talking about 1099 workers out there. 618 00:30:08,773 --> 00:30:12,811 There are 88 million of you, I believe, now going to go up to over 619 00:30:12,811 --> 00:30:15,814 110 million next five years. 620 00:30:16,681 --> 00:30:18,316 And you may not even be a GigCare worker. 621 00:30:18,316 --> 00:30:20,752 You may just be somebody that's part of an association. 622 00:30:20,752 --> 00:30:24,722 Or maybe you are a GigCare worker and you're part of an association that, 623 00:30:24,956 --> 00:30:27,992 as I talked about earlier, installs appliances 624 00:30:27,992 --> 00:30:30,962 for Menards or Home Depot, whatever the case may be. 625 00:30:31,029 --> 00:30:34,032 Or maybe you're in a farm co-op. 626 00:30:34,098 --> 00:30:36,868 Some of the other folks that that Maria 627 00:30:36,868 --> 00:30:40,939 that we're seeing have tremendous interest is playing some of the other groups 628 00:30:40,939 --> 00:30:42,240 that you've talked to. 629 00:30:42,240 --> 00:30:45,777 A manufacturing organization that has about 400 630 00:30:46,744 --> 00:30:49,214 GigCare workers, that installs 631 00:30:49,214 --> 00:30:52,817 Wi-Fi in the in the, in the, in the warehouse. 632 00:30:53,117 --> 00:30:54,686 We have telemedicine. 633 00:30:54,686 --> 00:30:56,921 Radiologists that are needing 634 00:30:56,921 --> 00:31:00,491 GigCare are needing some sort of medical care attorneys office. 635 00:31:01,259 --> 00:31:03,561 That's what I had not thought of attorneys because I thought 636 00:31:03,561 --> 00:31:06,998 most attorneys offered a full blown benefits plan, but evidently not. 637 00:31:06,998 --> 00:31:07,899 No, no. 638 00:31:07,899 --> 00:31:12,170 I mean, if they have a small firm, they they have 2 or 3. 639 00:31:12,203 --> 00:31:13,805 They have the same problem anybody else has. 640 00:31:13,805 --> 00:31:16,808 They do CPA offices where they have 2 or 3 641 00:31:16,908 --> 00:31:20,078 employees that need GigCare, some sort of medical care. 642 00:31:20,879 --> 00:31:23,448 We have 643 00:31:23,448 --> 00:31:26,751 associations, like you said, of all kinds. 644 00:31:27,919 --> 00:31:32,490 You know, whether it's CEO associations, water associations, 645 00:31:32,824 --> 00:31:35,827 just a plethora of, of different organizations. 646 00:31:36,561 --> 00:31:41,432 We have just a person who is a plumber, 647 00:31:42,033 --> 00:31:45,570 and he has his own LLC and needs GigCare for himself. 648 00:31:45,570 --> 00:31:48,306 I mean, it's just it just fits with everybody. 649 00:31:48,306 --> 00:31:49,207 Yeah. It's interesting. 650 00:31:49,207 --> 00:31:52,010 You made me think of a category of a story of a group. 651 00:31:52,010 --> 00:31:53,244 We did. 652 00:31:53,244 --> 00:31:56,314 This is a group of the independent anesthesiologists, 653 00:31:56,714 --> 00:31:59,117 and this company managed the anesthesiologists. 654 00:31:59,117 --> 00:32:02,153 Kind of like our friend that owns the franchise management firm 655 00:32:02,153 --> 00:32:03,688 Franchise Resource. 656 00:32:03,688 --> 00:32:05,490 Luke Torrey, same same thing. 657 00:32:05,490 --> 00:32:08,192 But they do anesthesiologists, they schedule them and get them 658 00:32:08,192 --> 00:32:10,261 in, and they get them paid and all the rest of it. 659 00:32:10,261 --> 00:32:12,063 Then you have any health benefits. 660 00:32:12,063 --> 00:32:15,366 And when they saw what we could do with great care, 661 00:32:15,366 --> 00:32:20,071 they immediately put in place a lot of these anesthesiologists, E.R. 662 00:32:20,071 --> 00:32:23,041 docs and E.R. nurses, their contract doctors. 663 00:32:23,041 --> 00:32:23,541 That's right. 664 00:32:23,541 --> 00:32:26,978 And contract employees, contract nurses, anesthesia. 665 00:32:26,978 --> 00:32:29,280 And they do not have coverage under the hospital. 666 00:32:29,280 --> 00:32:30,281 That's right. Yeah. 667 00:32:30,281 --> 00:32:31,683 They they. Right. 668 00:32:31,683 --> 00:32:33,685 They they're they're contractors. 669 00:32:33,685 --> 00:32:36,921 And so they need medical insurance. We have, 670 00:32:38,089 --> 00:32:41,125 a physical therapist office 671 00:32:41,592 --> 00:32:45,630 where they do physical therapy, and their therapists are 1099 contractors. 672 00:32:45,930 --> 00:32:49,133 And so they need they needed medical insurance. 673 00:32:49,334 --> 00:32:53,571 So it's nice for us as a broker 674 00:32:53,571 --> 00:32:57,842 to be able to pivot and provide a solution for everyone. 675 00:32:58,943 --> 00:33:01,746 You know, we can do group benefits, we can do Medicare, 676 00:33:01,746 --> 00:33:05,416 we can do ACA, but now we can also help the 1099. 677 00:33:05,516 --> 00:33:08,853 And by the way, you know, if you are broker and you're listening to this, 678 00:33:09,554 --> 00:33:11,055 all you gotta do is call Maria. 679 00:33:11,055 --> 00:33:13,858 They'll be happy to get you involved in GigCare. 680 00:33:13,858 --> 00:33:17,562 They'll set it up with you, the whole structure and make it work. 681 00:33:17,562 --> 00:33:19,764 And they'll walk you through it, get you trained. 682 00:33:19,764 --> 00:33:21,833 If you need to call center, they've got the call center. 683 00:33:21,833 --> 00:33:22,800 They can do the whole nine yards. 684 00:33:22,800 --> 00:33:24,268 So if you're a broker out there 685 00:33:24,268 --> 00:33:26,337 and maybe that you've been trying to knock on the door 686 00:33:26,337 --> 00:33:28,139 or some of these groups, you couldn't get in the door, 687 00:33:28,139 --> 00:33:30,141 but you've got a product now, okay. 688 00:33:30,141 --> 00:33:31,409 You can give Maria calls. 689 00:33:31,409 --> 00:33:34,512 She'll be happy to get you set up underneath her agency as a GA 690 00:33:35,146 --> 00:33:38,149 and you could move forward with these plans, but it is amazing to me 691 00:33:38,349 --> 00:33:40,284 what I've learned in the last three years. 692 00:33:40,284 --> 00:33:44,622 We've had this plan out now for four years is, the, the, 693 00:33:44,922 --> 00:33:48,026 the width and depth of this market of. 694 00:33:48,793 --> 00:33:50,862 I never knew associations. 695 00:33:50,862 --> 00:33:52,697 You know, this mini association. Co-Ops. 696 00:33:52,697 --> 00:33:53,731 Out there. 697 00:33:53,731 --> 00:33:54,165 Okay. 698 00:33:54,165 --> 00:33:57,101 Farm co-ops, kind of new, but not really. Yeah. 699 00:33:57,101 --> 00:33:57,568 Okay. 700 00:33:57,568 --> 00:34:02,073 And, and and now, you know, there's a model that fits their needs 701 00:34:02,073 --> 00:34:06,377 and they can each individual, you know, you can pick an HSA plan 702 00:34:06,677 --> 00:34:08,913 if you want a really low premium, you're 50 years old. 703 00:34:08,913 --> 00:34:11,682 You don't have a lot of medical issues that may work for you. 704 00:34:11,682 --> 00:34:14,852 But if you're not, if you're 30 years old and you've got 2 or 3 705 00:34:14,852 --> 00:34:17,455 little tricycle motors running around the house, that's right. 706 00:34:17,455 --> 00:34:20,458 And you need to have, urgent care and E.R. 707 00:34:20,558 --> 00:34:22,593 there's a plan that fits your needs as well. 708 00:34:22,593 --> 00:34:26,064 This these plans are there's so many options, 709 00:34:26,064 --> 00:34:28,232 and you can pick the network you want to be on, 710 00:34:28,232 --> 00:34:29,734 whether you want to be the Cigna network, 711 00:34:29,734 --> 00:34:32,737 the net network, the Blue Cross Blue Shield of Nebraska network. 712 00:34:33,404 --> 00:34:35,540 You can pick the deductibles that you want. 713 00:34:35,540 --> 00:34:40,411 You know, in most group insurance, the, the organization 714 00:34:41,179 --> 00:34:44,882 picks the plans to offer their employee size 44 overcoat. 715 00:34:44,882 --> 00:34:46,150 Does it fit everything? 716 00:34:46,150 --> 00:34:48,019 That's right. That's exactly right. Yeah. 717 00:34:48,019 --> 00:34:51,889 The other piece to this is what I get asked a lot is what about compliance? 718 00:34:51,889 --> 00:34:54,092 Do I have to complete any forms? 719 00:34:54,092 --> 00:34:57,528 No, there's no forms for employers to worry about. 720 00:34:57,528 --> 00:35:01,065 There's no Cobra that the employee needs the employers need to worry about. 721 00:35:01,332 --> 00:35:06,571 This is a plan that is with the individual under a group umbrella. 722 00:35:06,771 --> 00:35:07,071 Yeah. 723 00:35:07,071 --> 00:35:11,476 And and if the employer chooses to make a contribution, it's. 724 00:35:11,742 --> 00:35:13,778 That's right. That goes into the paycheck. 725 00:35:13,778 --> 00:35:16,881 And that's, that's the way the trucking firm in Lincoln, 726 00:35:16,881 --> 00:35:18,850 Nebraska did it because I use that example. 727 00:35:18,850 --> 00:35:21,486 So there are ways to make this work. 728 00:35:21,486 --> 00:35:23,721 And, and and this is an opportunity. 729 00:35:23,721 --> 00:35:26,124 This is why we wanted to do this show today was 730 00:35:26,124 --> 00:35:28,593 so that you could hear this coast to coast and understand 731 00:35:28,593 --> 00:35:32,463 that if you are one of these groups and you are this intrigued, you, 732 00:35:32,497 --> 00:35:36,000 you're you're curious, you're interested, you want to know more about it. 733 00:35:36,801 --> 00:35:38,669 This thing can make a lot of sense for a lot of people. 734 00:35:38,669 --> 00:35:40,805 Maria. It really can. It. 735 00:35:40,805 --> 00:35:41,839 Again, like I said, 736 00:35:43,241 --> 00:35:43,941 it is a 737 00:35:43,941 --> 00:35:48,012 solution that has been a gap in our medical care. 738 00:35:48,179 --> 00:35:50,047 So I have to tell you a quick story. 739 00:35:50,047 --> 00:35:52,984 So we had a large co-op who came to us 740 00:35:52,984 --> 00:35:56,721 and I think it's like 40, 40 or 50,000 people. 741 00:35:56,721 --> 00:35:58,723 And we put the plan in place for them. 742 00:35:58,723 --> 00:36:00,791 They said, can we get an exclusive? 743 00:36:00,791 --> 00:36:03,494 And we're like, well, no, we don't really do that. 744 00:36:03,494 --> 00:36:05,496 But I was curious, why do you want inclusive? 745 00:36:05,496 --> 00:36:07,398 Oh, because we want to go see how many members 746 00:36:07,398 --> 00:36:11,202 we can take away from these other co-ops because they don't have any benefit plans. 747 00:36:11,469 --> 00:36:13,971 And I'm like, Holy cow, I never thought of that. 748 00:36:13,971 --> 00:36:14,438 I didn't. 749 00:36:14,438 --> 00:36:16,140 So I will say this 750 00:36:16,140 --> 00:36:19,177 if you're looking to attract new members, this is a great way to do it. 751 00:36:19,177 --> 00:36:21,212 I mean, we've got some pretty diverse groups out there. 752 00:36:21,212 --> 00:36:23,814 We have the National Hot Rod Association. 753 00:36:23,814 --> 00:36:24,515 That's right. 754 00:36:24,515 --> 00:36:29,887 The NRA, the guys you see on television, on ESPN every Saturday and Sunday, racing 755 00:36:29,887 --> 00:36:34,025 those drag cars at 300 miles an hour, those funny cars down that quarter mile. 756 00:36:34,158 --> 00:36:36,327 Those guys are actually part of GigCare now. 757 00:36:36,327 --> 00:36:39,163 So, I mean, it's amazing to me. 758 00:36:39,163 --> 00:36:42,567 And, you know, to your point, some carriers won't even cover. 759 00:36:42,567 --> 00:36:45,703 So no certain industries or certain jobs. No. 760 00:36:45,870 --> 00:36:47,605 This doesn't do. That. 761 00:36:47,605 --> 00:36:47,805 Yeah. 762 00:36:47,805 --> 00:36:48,639 If you're you 763 00:36:48,639 --> 00:36:52,577 so you know, if you're if you've got ten day night construction workers to work 764 00:36:52,577 --> 00:36:55,780 for you and you're a general contractor, this is a great solution for them. 765 00:36:56,080 --> 00:36:58,916 Yeah. We had a company that they have, 766 00:37:01,118 --> 00:37:03,221 stunt men 767 00:37:03,221 --> 00:37:05,089 and. These stunt movie. 768 00:37:05,089 --> 00:37:08,059 Stunt men, and they couldn't get insurance coverage for them. 769 00:37:08,059 --> 00:37:10,194 Right. And GigCare was the solution. 770 00:37:10,194 --> 00:37:11,395 That's remarkable. 771 00:37:11,395 --> 00:37:14,732 You know, the reason we do these shows is to educate and inform. 772 00:37:14,732 --> 00:37:18,302 And that's why I asked Maria to come in here today and talk about this. 773 00:37:18,302 --> 00:37:19,170 And again, 774 00:37:19,170 --> 00:37:19,604 if you're in 775 00:37:19,604 --> 00:37:23,808 any of these groups that we talked about, associations, co-ops, your realtors, 776 00:37:24,075 --> 00:37:27,812 maybe you're you're you belong to a group of, you know, independent E.R. 777 00:37:27,812 --> 00:37:31,782 docs or anesthesiologists or maybe you're one of those 778 00:37:31,782 --> 00:37:35,586 Fedex drivers that drives the Fedex ground delivery trucks. 779 00:37:35,886 --> 00:37:38,990 I found out all those guys and gals are 1099. 780 00:37:39,123 --> 00:37:42,026 If you want this product, you want to learn about it. 781 00:37:42,026 --> 00:37:46,097 877-385-2224 ask for Maria. 782 00:37:46,264 --> 00:37:48,499 We'll probably get Hannah first hand. 783 00:37:48,499 --> 00:37:49,533 We'll get you set up. 784 00:37:49,533 --> 00:37:52,336 And then, you can have a conversation about how to do this. 785 00:37:52,336 --> 00:37:53,938 And the website is 786 00:37:58,142 --> 00:37:59,010 rpsbenefitsbydesigninc.com. 787 00:37:59,010 --> 00:38:01,746 rpsbenefitsbydesigninc.com. Thank you Maria for coming in today. 788 00:38:01,746 --> 00:38:03,414 Thank you for having me. Well it was great. 789 00:38:03,414 --> 00:38:05,616 I, I think we're going to help a lot of people with this. 790 00:38:05,616 --> 00:38:07,285 So I'm happy that we're able to do it. 791 00:38:07,285 --> 00:38:10,921 And now I leave you to start from Albert Einstein, the one who follows the crowd 792 00:38:10,921 --> 00:38:13,124 to usually get no further than the crowd. 793 00:38:13,124 --> 00:38:17,528 The one who walks alone will likely find himself in places no one has ever been. 794 00:38:17,862 --> 00:38:19,730 Remember, friends, it's a funny thing about life. 795 00:38:19,730 --> 00:38:24,302 If you refuse to accept anything but the very best, you most often get it. 796 00:38:24,568 --> 00:38:27,338 Thank you for listening to America's Healthcare Advocate s Show. 797 00:38:27,338 --> 00:38:30,641 Broadcasting coast to coast across the USA. 798 00:38:30,708 --> 00:38:32,043 Goodbye America.