Health Insurance Is Bankrupting 200,000 Families/Year (Here's How To Escape) with Andy Schoonover

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<v SPEAKER_01>My children's generation and your children's generation is the first generation not to outlive their parents.

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<v SPEAKER_01>They have more chronic disease.

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<v SPEAKER_01>In the last 50 years, the health of children was said to be somewhere between 3% and 6%, meaning chronic disease in children.

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<v SPEAKER_01>Today it is over 60% chronic disease.

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<v SPEAKER_00>My little one was having recurring ear infections.

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<v SPEAKER_00>We get the bill three weeks later and it was$8,000 for a 15-minute procedure.

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<v SPEAKER_00>Three weeks after that, I got a note from my health insurance plan that says we're not paying for it.

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<v SPEAKER_00>It was medically unnecessary.

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<v SPEAKER_00>She's got a hole in her eardrum.

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<v SPEAKER_00>What are you talking about?

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<v SPEAKER_00>It's not necessary.

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<v SPEAKER_00>She went from screaming all night, every night for weeks, to actually sleeping.

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<v SPEAKER_00>I come to find out that I could have gotten that surgery for like$1,500.

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<v SPEAKER_00>I found out health insurance was putting about 200,000 families every year bankrupt.

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<v SPEAKER_00>If I have$1,000 of premium, the insurance company can only make$150.

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<v SPEAKER_00>So how do they make$165?

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<v SPEAKER_00>They grow their profit by 10%.

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<v SPEAKER_00>My premium has to go from$1,000 to$1,100.

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<v SPEAKER_00>If you pay in cash as opposed to going through your health insurance, it's way less.

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<v SPEAKER_01>Doctors have to get out of the system.

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<v SPEAKER_01>Patients have to get out of the system.

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<v SPEAKER_01>You've came up with a better way for people to do just that.

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<v SPEAKER_01>What is it?

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<v SPEAKER_01>A month?

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<v SPEAKER_01>Do you have different programs?

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<v SPEAKER_01>Is there a deductible?

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<v SPEAKER_01>Well, Andy, thank you for being here.

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<v SPEAKER_01>And uh I'm excited for this.

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<v SPEAKER_01>You're the guy who's known for disrupting one of the most entrenched businesses, corrupt, I would say, businesses uh, you know, in in America for sure.

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<v SPEAKER_01>Uh that said, because you're a disruptor, I want to rewind the clock a bit and find out what kind of person you are.

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<v SPEAKER_01>Okay.

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<v SPEAKER_01>Uh is a kid.

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<v SPEAKER_01>I and I mean that.

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<v SPEAKER_01>I, you know, people that disrupt things, uh, they're they're all they're always a special person behind that.

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<v SPEAKER_01>And we have a we have an amazing pain to purpose story, which I cannot wait to get to because pain to purpose is why I'm here.

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<v SPEAKER_01>That's the name of the podcast.

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<v SPEAKER_01>So, but let's start as a kid.

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<v SPEAKER_01>What kind of kid were you?

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<v SPEAKER_00>You know, it's so funny.

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<v SPEAKER_00>Uh it's it's something I probably should think more about because I was actually like a very much a rule follower.

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<v SPEAKER_00>Like, g go follow the rules.

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<v SPEAKER_00>Okay, don't drink until you're teaching.

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<v SPEAKER_01>You surprised me already because I know I I wouldn't have thought that.

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<v SPEAKER_00>It's crazy.

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<v SPEAKER_00>I, you know, I I I grew up Catholic, and so it's just like all the I grew up Catholic.

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<v SPEAKER_00>Oh, did you?

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<v SPEAKER_00>Yeah.

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<v SPEAKER_01>So all these rules I became agnostic, and then I became what I would say is a believer, a real Christian.

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<v SPEAKER_01>Yeah, I don't know.

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<v SPEAKER_01>My journey is Catholics, but you have to understand, like, I was an agnostic, and you know, going, oh my gosh, this is about do's and don'ts.

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<v SPEAKER_01>I hate it.

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<v SPEAKER_00>It's similar, very, very similar story.

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<v SPEAKER_00>Okay.

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<v SPEAKER_00>So you grew up just like following the rules.

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<v SPEAKER_00>Like, you know, you you don't drink until you're 21, you don't do all the other things that kids were doing.

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<v SPEAKER_00>And so I was very much a rule follower.

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<v SPEAKER_00>Um, and I was kind of like that all the way through college and even beyond my first job.

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<v SPEAKER_00>And I think it started when I went out to Stanford for business school, which is just a disruptive place.

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<v SPEAKER_01>Yeah.

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<v SPEAKER_00>You start thinking outside the box.

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<v SPEAKER_01>No, wait, what year was that that you were saying?

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<v SPEAKER_00>It was 2000.

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<v SPEAKER_00>I went out there in 2004.

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<v SPEAKER_01>Okay.

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<v SPEAKER_00>Um, so you know, you walk down University Avenue and Steve Jobs would be walking, you know, the other side of the street.

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<v SPEAKER_01>I could get so caught up in this because what I this is just totally my curious mind.

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<v SPEAKER_01>Stanford today is a place that I probably wouldn't even I definitely wouldn't fit in, but I would definitely be like, I don't even want to go down there.

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<v SPEAKER_01>Everything that goes is going on there even politically, but what was it like then?

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<v SPEAKER_01>Was it really different?

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<v SPEAKER_00>Um, you know what?

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<v SPEAKER_00>I I I don't think I was that politically engaged actually back then.

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<v SPEAKER_01>So that's the point, though.

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<v SPEAKER_01>Yeah, yeah.

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<v SPEAKER_01>Yeah, yeah.

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<v SPEAKER_00>No, and and I I think I wasn't politically engaged.

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<v SPEAKER_00>I was into classmates that were from all over the country.

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<v SPEAKER_00>Yeah, you know, typically they were from the coasts.

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<v SPEAKER_00>You know, I remember having this really interesting conversation with my classmates being like, oh, you know, like they like they sell things at Walmart, and they looked at me like, Walmart?

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<v SPEAKER_00>And I was like, wait a second, you've never been to Walmart?

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<v SPEAKER_00>And they're like, No, I've never been to Walmart.

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<v SPEAKER_00>And I was like, oh my gosh, like I was a I'm a Midwest kid.

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<v SPEAKER_01>Yeah, yeah.

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<v SPEAKER_00>Like I grew up in St.

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<v SPEAKER_00>Louis, like we went to Walmart all the time.

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<v SPEAKER_01>They probably said, We've heard of Walmarts.

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<v SPEAKER_00>We've heard of Walmarts, yeah, yeah.

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<v SPEAKER_00>Um, and so it was just a different different environment.

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<v SPEAKER_00>And so yeah, it was a very kind of a left-leaning environment, but I I wasn't paying too much attention.

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<v SPEAKER_00>I was just like, I was trying to soak in all of the entrepreneurial energy of Silicon Valley.

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<v SPEAKER_01>No, it was it was left-leaning, but it was different than it is today.

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<v SPEAKER_01>And I'm saying that from people who like know this, right?

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<v SPEAKER_01>I what do I know?

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<v SPEAKER_01>I'm I don't go there, I don't, you know, didn't go there, but this is what I hear.

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<v SPEAKER_00>Yeah.

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<v SPEAKER_00>Um, I will tell you, I'm I'm on a uh a WhatsApp chat with all my business school classmates, you know, going through what we've been going through over the last four or five months with Doge and the healthcare stuff, and and they're going berserk over, you know, on this on this Telegram or excuse me, this WhatsApp chat.

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<v SPEAKER_00>Yeah.

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<v SPEAKER_00>Um so I now I'm a little bit more enlightened into how they're they're thinking about politics now, more so than when I, you know, was was there at Stanford.

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<v SPEAKER_00>But um, it's a different place now for sure.

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<v SPEAKER_00>But back then, the and this was you got to remember, this was uh you know, 2005, 2006.

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<v SPEAKER_00>I got there in 2004.

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<v SPEAKER_00>Really funny story is have you ever seen the social social network, the movie about Mark Zuckerberg?

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<v SPEAKER_00>No.

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<v SPEAKER_01>Oh, we yeah, yeah, yeah, yeah.

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<v SPEAKER_01>That I did see the Zuckerberg.

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<v SPEAKER_01>I would the social network, my brain was like thinking it was another movie.

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<v SPEAKER_01>I did see that.

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<v SPEAKER_00>Yeah, yeah.

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<v SPEAKER_00>And so there's a there's a subplot in the movie where Eduardo, who is uh Zuckerberg's co-founder, had to go to his dad to get$18,000 to pay for this house that they were moving their company to.

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<v SPEAKER_00>It was still called the Facebook.

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<v SPEAKER_00>Yeah.

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<v SPEAKER_00>That was my house.

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<v SPEAKER_00>No way.

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<v SPEAKER_00>They actually rented my house from me between my first year and second year of business school.

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<v SPEAKER_00>We were all going doing internships, and Zuckerberg stayed at my house.

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<v SPEAKER_00>And so the function is we came back that next after that next summer, and there was a receipt for the Ritz-Carlton in New York with Mark Zuckerberg's name on it.

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<v SPEAKER_01>No way.

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<v SPEAKER_00>So I went into class and one of my buddies worked for Excel, which was the first institutional investor in Facebook.

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<v SPEAKER_00>And I said, Can you look at this?

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<v SPEAKER_00>They're spending your money at you know, the Ritz-Carlton.

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<v SPEAKER_00>They should be better stewards of your money.

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<v SPEAKER_00>And he just looked at me and he's like, It's gonna be fine.

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<v SPEAKER_00>Yeah, no, he knew.

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<v SPEAKER_00>He knew.

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<v SPEAKER_00>But back at that time, you had to have a dot edu email address.

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<v SPEAKER_00>Yeah, there was only six or eight schools or something like that that you had to be a part of.

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<v SPEAKER_00>It's also just like, okay, this little college campus, you know, Facebook thing.

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<v SPEAKER_00>Yeah, no repeal.

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<v SPEAKER_00>Who would have been?

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<v SPEAKER_00>The worst financial decision of my entire life is could have taken equity, which would have been worth$250 million today, but instead we were, you know, broke, you know, grad students.

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<v SPEAKER_00>Needed the dollar.

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<v SPEAKER_00>We take the 18th.

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<v SPEAKER_01>Yeah, that's a bad idea.

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<v SPEAKER_01>I've yeah, that's not going anywhere, trust me.

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<v SPEAKER_01>Oh, yeah, right.

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<v SPEAKER_01>Yeah, yeah.

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<v SPEAKER_01>Yeah, I it it's um when I I think about like what's come out of that area, that era.

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<v SPEAKER_01>I mean, it's it's amazing how in such a short period of time our lives lives have changed, you know, from the that whole tech era.

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<v SPEAKER_01>Uh so yeah, good stuff.

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<v SPEAKER_01>When you say that you were a rule follower, that surprised me, obviously.

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<v SPEAKER_01>Uh now did it change later?

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<v SPEAKER_01>Meaning, okay, you grew up, you know, it's like when did you start when would you say, yeah?

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<v SPEAKER_01>I would say, here's when I started saying I'm going a different direction.

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<v SPEAKER_00>After business school, so again 2006, all my classmates went to Google and Facebook and Pinterest and all these.

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<v SPEAKER_00>So are you techie?

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<v SPEAKER_00>I mean, and so I'm not really a techie.

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<v SPEAKER_00>And so I was just like, ah it was at that point where I was like, um, I'm gonna go try something different.

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<v SPEAKER_00>Like for some reason, I think the there's the insecurities of childhood that if you go down a different road, that's just kind of littered with potential failures.

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<v SPEAKER_00>And so just the insecure little Andy didn't want to do that.

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<v SPEAKER_00>I wanted to stay the path, right, that everybody else is taking.

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<v SPEAKER_01>Yeah, so there was still that thing in you role following, stay on the straight and narrow, stay on the track, right?

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<v SPEAKER_01>Okay.

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<v SPEAKER_00>But there was this point where I was like, you know what, I'm gonna do something different.

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<v SPEAKER_00>So instead of going and doing this, I actually went and did a a search fund.

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<v SPEAKER_01>It's it's a what what was it that got you to that point of saying, I'm gonna do something different?

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<v SPEAKER_00>I actually I think it was a little bit, like if I'm being totally honest, I was like, I don't think I can go and get jobs at these big you know tech firms.

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<v SPEAKER_00>Like I was I was bottom cumulada.

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<v SPEAKER_00>I kind of joke in my class at Stanford.

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<v SPEAKER_00>Um and so I was like though.

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<v SPEAKER_00>I was like, I was like, I don't think I can get a job at you know, XYZ McKinsey or Bain or you know, one of these consulting firms.

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<v SPEAKER_00>I didn't really want to do it.

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<v SPEAKER_00>I didn't think I could get a job at Goldman, which is where other classmates were going, and I didn't think I could get a job at Facebook or Google or one of these companies.

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<v SPEAKER_00>I just I didn't feel like I was as smart as some of these people.

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<v SPEAKER_00>So I was like, I'm just gonna go do something on my own.

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<v SPEAKER_01>Um you probably could have, you probably were as smart, however, it was good you didn't.

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<v SPEAKER_00>Yeah, yeah.

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<v SPEAKER_00>Yeah.

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<v SPEAKER_00>And so we ended up uh raising a search fund, and which basically is we raised six hundred thousand dollars to go and find a company to buy.

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<v SPEAKER_00>So that paid for my measly salary.

00:09:15.360 --> 00:09:20.799
<v SPEAKER_00>I think I was making 75 grand, where my classmates were making 175 grand coming out of school.

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<v SPEAKER_00>But then you go and find a company to buy, and then once you find that company, you go back to these investors and raise the money to buy the company.

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<v SPEAKER_00>Um, and we were the only uh guys, me and my buddy Chris were the only guys that were doing this out of Stanford and had for three years.

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<v SPEAKER_00>Nobody the previous three years had done it.

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<v SPEAKER_00>So we were kind of like the default like, yeah, if you want to invest in one of these things from Stanford, you'd invest in these guys because we were the only ones doing it.

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<v SPEAKER_00>So we kind of got lucky.

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<v SPEAKER_00>Um, and so we found this little company, funny enough, in Dayton, Ohio, that was doing I've fallen and I can't get up.

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<v SPEAKER_00>So you've seen that old lady, it looks like it was made in the 80s.

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<v SPEAKER_00>It was like I fallen and I can't get up.

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<v SPEAKER_00>You know, there's this call center and they would call the ambulance and things.

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<v SPEAKER_01>Yeah, so we what made that successful is that right there.

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<v SPEAKER_01>Well, you said, you know, fallen and can't get up.

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<v SPEAKER_01>I knew exactly what it is.

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<v SPEAKER_00>Yeah.

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<v SPEAKER_00>We actually bought it a competitor to that um that was way, way smaller, but is in Dayton, Ohio.

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<v SPEAKER_00>And so we moved from, you know, Silicon Valley to Dayton, Ohio, and took over this company, and we uh 10x it in six years because, in essence, when I got there, what we were looking at is our customers, and they were all, I think it was 83 years old, they had 2.6 comorbidities, and you know, we were only responding in a res in a in a reactive way.

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<v SPEAKER_00>Right.

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<v SPEAKER_00>So they'd fall, they'd break their hip, they go to the ER, you lost a customer, and so we're like, man, this is silly.

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<v SPEAKER_00>Why don't we start measuring blood pressure and blood sugars and oxygen and pulse and things so we can actually be proactive, keep these people from going into the hospital, we could keep our customer longer, add a lot more value, charge a much higher price.

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<v SPEAKER_00>And so once we did that, the the company took off.

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<v SPEAKER_01>Interesting.

00:11:01.120 --> 00:11:11.360
<v SPEAKER_01>Because I was wondering where this blend of what you did and what you're you're gonna hear, what he's done or doing, uh, that that explains it a little bit.

00:11:11.519 --> 00:11:14.720
<v SPEAKER_01>Meaning you took something and were more proactive.

00:11:14.879 --> 00:11:23.759
<v SPEAKER_01>It says, okay, it's not just about the catastrophic thing, betting someone's gonna get you know ill and then taking advantage of that, right?

00:11:23.840 --> 00:11:25.600
<v SPEAKER_01>You know, but let's keep someone healthier.

00:11:25.759 --> 00:11:30.399
<v SPEAKER_01>Okay, so that that's that kind of explains some transition that you're gonna hear in a moment.

00:11:30.639 --> 00:11:31.360
<v SPEAKER_01>All right, yeah.

00:11:31.519 --> 00:11:33.519
<v SPEAKER_01>So yeah, you you sold that company.

00:11:33.600 --> 00:11:34.720
<v SPEAKER_01>I mean, you exited for some big things.

00:11:35.120 --> 00:11:38.799
<v SPEAKER_00>Sold the company over 100 million dollars, a huge, huge success.

00:11:39.039 --> 00:11:40.399
<v SPEAKER_00>And how many years does it take you to get there?

00:11:40.559 --> 00:11:41.519
<v SPEAKER_00>Uh about six and a half.

00:11:41.679 --> 00:11:42.879
<v SPEAKER_01>Ah, that's that's pretty quick, though.

00:11:42.960 --> 00:11:43.360
<v SPEAKER_01>Yeah, yeah.

00:11:43.519 --> 00:11:47.120
<v SPEAKER_00>So we bought it for 10, we sold it for over a hundred, we sold it for 115.

00:11:47.200 --> 00:11:49.759
<v SPEAKER_00>So it was a huge, huge success.

00:11:50.000 --> 00:11:59.039
<v SPEAKER_00>You know, at that point, you know, you get the the the the bank account, the wire to the bank account, and it was kind of like, wow, that was kind of anticlimactic.

00:11:59.200 --> 00:11:59.360
<v SPEAKER_00>Yeah.

00:11:59.519 --> 00:12:04.480
<v SPEAKER_00>Um, you know, like you you think you're moving towards this goal with the end goal being a monetary thing, yeah.

00:12:04.559 --> 00:12:09.600
<v SPEAKER_00>You get it, and then you're kind of like, whoa, like what do I what do I do now?

00:12:10.240 --> 00:12:12.559
<v SPEAKER_00>Um, you know, and it and around the same time.

00:12:12.799 --> 00:12:20.080
<v SPEAKER_01>By the way, everybody that has exited a business and's taken in a large sum of money describes it exactly the way you do.

00:12:20.240 --> 00:12:20.399
<v SPEAKER_00>Yeah.

00:12:20.799 --> 00:12:23.840
<v SPEAKER_00>You mean you you lose your purpose, yeah, you know, in some ways.

00:12:24.159 --> 00:12:29.120
<v SPEAKER_00>Like you're going to the office every day trying to build something of value and then it's gone.

00:12:29.200 --> 00:12:29.360
<v SPEAKER_00>Yeah.

00:12:29.519 --> 00:12:31.759
<v SPEAKER_00>And you lose a lot of that purpose.

00:12:32.000 --> 00:12:32.399
<v SPEAKER_00>Yeah.

00:12:32.639 --> 00:12:44.720
<v SPEAKER_00>Um, fortunately or unfortunately, depending upon how you look at it, right after that, my wife uh got pregnant with our first daughter, and um, she ended up passing away 10 and a half hours after she was born.

00:12:44.960 --> 00:12:54.000
<v SPEAKER_00>And it was at that moment where I was like, wow, I I shouldn't be just sitting around playing golf and you know, doing the the nonsense that I do on a daily basis.

00:12:54.159 --> 00:13:02.000
<v SPEAKER_01>Like there's something more to life than just So how that the death of that child, um, how long after the exit?

00:13:02.240 --> 00:13:05.440
<v SPEAKER_00>About uh we we exited probably uh less than a year.

00:13:05.759 --> 00:13:09.360
<v SPEAKER_01>Wow, so talk about a a m high and a massive low.

00:13:09.440 --> 00:13:10.000
<v SPEAKER_01>Boom, boom.

00:13:10.159 --> 00:13:10.399
<v SPEAKER_00>Yeah.

00:13:10.639 --> 00:13:20.559
<v SPEAKER_00>I mean newly married, just lost a child, went through, you know, a good two years of my wife and I trying to figure out how to deal with grief.

00:13:20.799 --> 00:13:24.639
<v SPEAKER_00>Because how did males and females deal with grief a little bit differently?

00:13:24.879 --> 00:13:25.279
<v SPEAKER_00>Totally.

00:13:25.519 --> 00:13:30.320
<v SPEAKER_00>Um went through the process of talking about divorce and all that kind of stuff.

00:13:30.399 --> 00:13:31.679
<v SPEAKER_00>It got that bad.

00:13:31.919 --> 00:13:36.159
<v SPEAKER_00>And you know, praise God, like we we came out of that, you know, stronger than ever.

00:13:36.240 --> 00:13:38.799
<v SPEAKER_01>But uh can can you take me back to that?

00:13:38.960 --> 00:13:44.159
<v SPEAKER_01>I mean, you know, because it is the pain to purpose and those things form us, right?

00:13:44.320 --> 00:13:44.799
<v SPEAKER_01>Yeah.

00:13:45.039 --> 00:13:48.080
<v SPEAKER_01>Um, you know, take me back to that death, if you don't mind.

00:13:48.240 --> 00:13:49.600
<v SPEAKER_01>Yeah, you know, digging in a little bit.

00:13:49.679 --> 00:13:51.440
<v SPEAKER_01>Uh what happened first off.

00:13:52.000 --> 00:14:01.679
<v SPEAKER_00>So in our 12-week ultrasound, we found out that our daughter Grace um had a fatal condition and encephaly, um, which basically means the top of the brain stem doesn't connect all the way.

00:14:01.919 --> 00:14:09.759
<v SPEAKER_00>So the the top of her skull doesn't form, and uh in essence the amniotic fluid eats away her brain until there's no brain left.

00:14:09.840 --> 00:14:14.399
<v SPEAKER_01>Um so we thought And you were there was no signs of this on ultrasound or anything.

00:14:14.559 --> 00:14:16.480
<v SPEAKER_01>You were completely surprised by this at birth.

00:14:16.799 --> 00:14:18.159
<v SPEAKER_00>Twelve week ultrasound is when we found out.

00:14:18.320 --> 00:14:19.039
<v SPEAKER_00>Oh, it's 12 weeks.

00:14:19.279 --> 00:14:19.440
<v SPEAKER_00>Yeah.

00:14:19.600 --> 00:14:22.639
<v SPEAKER_00>So we knew for the remaining six months that she wasn't gonna live.

00:14:22.799 --> 00:14:26.639
<v SPEAKER_00>Uh um how did you feel at what like and you and your wife at that point?

00:14:27.120 --> 00:14:28.799
<v SPEAKER_00>Devastated, absolutely devastated.

00:14:28.960 --> 00:14:36.240
<v SPEAKER_00>Like you you you're gonna make me cry thinking about it, you know, calling your parents that night being like, your granddaughter's not gonna make it.

00:14:36.480 --> 00:14:39.919
<v SPEAKER_00>Um you know, just absolute devastation.

00:14:40.240 --> 00:14:46.240
<v SPEAKER_01>When you said that it, you know, the way you had to handle that and your wife two different ways.

00:14:46.399 --> 00:14:47.679
<v SPEAKER_01>How did she handle that?

00:14:48.480 --> 00:14:54.960
<v SPEAKER_00>Yeah, I mean uh I'm I'm a person who will wants to go in the closet and cry on my own.

00:14:55.279 --> 00:14:59.120
<v SPEAKER_00>She wants to be the person that's with you and you know, cries with you.

00:14:59.200 --> 00:15:05.200
<v SPEAKER_00>And I've and I had a really hard time dealing with her emotion and my emotion at the same time.

00:15:05.440 --> 00:15:09.759
<v SPEAKER_00>Um, as you you probably know when you go through grief, everything is about you.

00:15:09.919 --> 00:15:15.039
<v SPEAKER_00>You kind of go face inward, become um, you know, very self-focused.

00:15:15.200 --> 00:15:19.759
<v SPEAKER_00>And so we both kind of ended up in that self-focused state where I need to take care of myself.

00:15:20.000 --> 00:15:24.080
<v SPEAKER_00>And I was a immature, you know, punk, you know, of a husband.

00:15:24.159 --> 00:15:24.799
<v SPEAKER_00>I was a new husband.

00:15:24.879 --> 00:15:25.759
<v SPEAKER_00>I was trying to figure it out.

00:15:25.919 --> 00:15:41.679
<v SPEAKER_00>Yeah, and so um new, new, new uh husbands and new wives have to figure out how to come together as one and live together and figure out your daily routines and all those types of things, which in itself creates some chaos sometimes, and then add a loss of a child with that.

00:15:41.840 --> 00:15:43.759
<v SPEAKER_00>And we were just on two different planets.

00:15:43.919 --> 00:15:44.480
<v SPEAKER_00>Yeah, what is it?

00:15:44.639 --> 00:15:46.799
<v SPEAKER_00>Men are from Mars and women are from Venus or whatever that is.

00:15:46.879 --> 00:15:59.919
<v SPEAKER_00>It's like in that moment, I was like, Yeah, we are we are just on on two different she was going through postpartum in addition to losing her daughter, uh, our daughter, and so all of those things kind of culminated in um, yeah.

00:16:00.000 --> 00:16:02.960
<v SPEAKER_00>I mean, we just you were like, Okay, let's just get divorced and be done with this.

00:16:03.039 --> 00:16:03.679
<v SPEAKER_00>That was the issue.

00:16:04.159 --> 00:16:14.320
<v SPEAKER_01>Do you have any like this is normal, I uh you know, I would think, even for this, but like any things that you thought, what could we have done different?

00:16:14.480 --> 00:16:15.120
<v SPEAKER_01>What did we do?

00:16:15.200 --> 00:16:17.360
<v SPEAKER_01>Did we do I mean were you asking questions like that?

00:16:17.519 --> 00:16:20.080
<v SPEAKER_01>Was it something we did could have done different?

00:16:20.320 --> 00:16:20.639
<v SPEAKER_00>Yeah.

00:16:20.799 --> 00:16:21.759
<v SPEAKER_01>What did they tell you?

00:16:22.080 --> 00:16:34.240
<v SPEAKER_00>Um so my wife has the MTHFR mutation, and so I think the um lack of folate or folic acid, I don't remember exactly which one is, but so many people have those mutations, right?

00:16:34.399 --> 00:16:38.720
<v SPEAKER_00>Yeah, so yeah, I you know, and we're were we eating wrong, you know, we were doing uh Yeah.

00:16:38.799 --> 00:16:46.320
<v SPEAKER_01>So see, but that's the point is I don't know that you were doing anything wrong, but the point is, is that it's easy to feel guilty about things like that for sure.

00:16:46.720 --> 00:16:55.440
<v SPEAKER_00>And she she took it as this, and this is one of our uh points of contention, as my body didn't do what it was supposed to do.

00:16:55.519 --> 00:16:57.600
<v SPEAKER_00>Yeah, so my body is broken.

00:16:57.919 --> 00:17:00.559
<v SPEAKER_00>And I was like, no, babe, your body is not broken.

00:17:00.639 --> 00:17:01.840
<v SPEAKER_00>That's not why this happened.

00:17:02.000 --> 00:17:13.440
<v SPEAKER_00>This happens, you know, it's for you know, and so that was a point of contention that was trying to get her over, but as you know, we know oftentimes we regardless of how many times you tell her, it just doesn't not that doesn't resonate.

00:17:13.599 --> 00:17:23.279
<v SPEAKER_00>So she went through extensive counseling, yeah, you know, as a result of us kind of getting to our low point, and I think you know, came out of that being like, Okay, this wasn't me, this wasn't my body.

00:17:23.519 --> 00:17:31.119
<v SPEAKER_00>And we are a people of faith, so we do believe that God does have a sovereign hand in all of these things, even in the the death of a child.

00:17:31.839 --> 00:17:39.839
<v SPEAKER_00>And I will tell you when we uh came home from the hospital that night um without our daughter, which is every parent's worst nightmare.

00:17:39.920 --> 00:17:41.920
<v SPEAKER_00>Yeah, it was actually pouring down rain.

00:17:42.160 --> 00:17:44.559
<v SPEAKER_00>And so we were kind of like, God is mourning with us.

00:17:45.039 --> 00:17:54.559
<v SPEAKER_00>Um we get home and we start, you know, asking ourselves, we're like, man, did we know it's just stupid thoughts going through your mind, did we tell Grace we loved her enough?

00:17:55.279 --> 00:18:00.079
<v SPEAKER_00>Like, what an awful question to be you know, questioning when you just lost your daughter.

00:18:00.480 --> 00:18:12.400
<v SPEAKER_00>Well, that night I had a dream where I was Grace looking up at me and Steph and just full of this was filled with this inexplicable love that I've never ever felt before.

00:18:12.640 --> 00:18:12.799
<v SPEAKER_02>Wow.

00:18:12.960 --> 00:18:14.640
<v SPEAKER_00>And I woke up at 3 a.m.

00:18:14.799 --> 00:18:19.519
<v SPEAKER_00>in the morning, I was like, this is what I just had, this is the dream I just had, and we just both sobbed.

00:18:19.599 --> 00:18:19.920
<v SPEAKER_02>Oh, yeah.

00:18:20.160 --> 00:18:20.799
<v SPEAKER_00>Just sobbed.

00:18:21.039 --> 00:18:26.000
<v SPEAKER_00>You know, and for us, it was God giving us a little bit of like comfort, like she did feel love.

00:18:26.240 --> 00:18:32.559
<v SPEAKER_00>And again, from my faith perspective, she's in heaven, and so you know, she's feeling the ultimate love right now.

00:18:32.799 --> 00:18:33.119
<v SPEAKER_00>Yeah, yeah.

00:18:34.319 --> 00:18:38.400
<v SPEAKER_00>I don't know if people who are listening to this are of faith or not, and they think that's silly, but that's just from our perspective.

00:18:38.480 --> 00:18:40.480
<v SPEAKER_00>Yeah, like that was one little tidbit of the five.

00:18:40.720 --> 00:18:42.960
<v SPEAKER_01>I'm a man of faith myself, so I I'm right with you.

00:18:43.279 --> 00:18:43.839
<v SPEAKER_01>I'm here for you.

00:18:44.079 --> 00:18:55.680
<v SPEAKER_00>So you he was just incredibly kind through that, and from pain to purpose, like so many of the the the things that are important in life only come as a result of really hard, hard things.

00:18:55.920 --> 00:19:02.640
<v SPEAKER_00>And I think our faith has was m is much much stronger now than it was beforehand.

00:19:03.039 --> 00:19:03.920
<v SPEAKER_01>I was gonna say that, yeah.

00:19:04.079 --> 00:19:06.240
<v SPEAKER_01>What what what grew out of that?

00:19:06.559 --> 00:19:08.079
<v SPEAKER_01>Um, do you still cry about it?

00:19:08.240 --> 00:19:08.559
<v SPEAKER_01>Oh, yeah.

00:19:08.799 --> 00:19:11.839
<v SPEAKER_00>Well, you just still we we just had what would have been our 10-year birthday.

00:19:11.920 --> 00:19:12.240
<v SPEAKER_00>Yeah.

00:19:12.400 --> 00:19:14.480
<v SPEAKER_00>Uh, let's see, two weeks ago.

00:19:14.640 --> 00:19:18.160
<v SPEAKER_00>Um, so every year we go to the hospital, we give the nurses cookies.

00:19:18.319 --> 00:19:21.759
<v SPEAKER_00>Um, I know probably not the best nutritional thing, but it just is what it is.

00:19:21.920 --> 00:19:24.880
<v SPEAKER_00>We go to the room in which she was born and passed away.

00:19:25.119 --> 00:19:27.759
<v SPEAKER_00>We have two little girls now who are eight and six.

00:19:28.000 --> 00:19:33.680
<v SPEAKER_00>They've get gotten to know her her their their sister, they talk about their sister, they cry about their sister.

00:19:33.920 --> 00:19:34.240
<v SPEAKER_00>Wow.

00:19:34.400 --> 00:19:38.079
<v SPEAKER_00>Um, so we pray over that room, and it's just a part of who we are as a family.

00:19:38.480 --> 00:19:51.200
<v SPEAKER_01>I wonder, uh maybe you know the answer this better than I do, but um, I wonder if it's harder losing a child that young without getting to know them, or later once you know them.

00:19:51.359 --> 00:19:51.839
<v SPEAKER_01>What do you think?

00:19:52.079 --> 00:19:52.319
<v SPEAKER_01>Yeah.

00:19:52.559 --> 00:19:55.039
<v SPEAKER_00>I mean, I I I gotta imagine it's being later.

00:19:55.359 --> 00:20:08.400
<v SPEAKER_01>Uh I mean but I hear that grief, and I I just kind of went into that with you, and I'm thinking there's a different type of grief though, because there's that the it's the I don't know, is it regret?

00:20:08.480 --> 00:20:10.640
<v SPEAKER_01>I don't know what it is that you didn't get to know them.

00:20:10.720 --> 00:20:12.160
<v SPEAKER_01>Well, what if what would it be?

00:20:12.319 --> 00:20:13.359
<v SPEAKER_01>Yeah, you know what I'm saying?

00:20:13.519 --> 00:20:16.480
<v SPEAKER_01>And you said, you know, I didn't have a chance to show my love.

00:20:16.559 --> 00:20:20.000
<v SPEAKER_01>I didn't have yeah, I don't, yeah, that this so it's a different grief.

00:20:20.079 --> 00:20:20.480
<v SPEAKER_01>I don't know.

00:20:20.799 --> 00:20:23.440
<v SPEAKER_00>Well, I mean, the great thing for us is we knew at 12 weeks.

00:20:23.839 --> 00:20:35.920
<v SPEAKER_00>So for the next six months, we you know went to the playground, we went and traveled with her, um, we felt like, you know, when when Grace kicked, I'd you know, push back on my wife's stomach.

00:20:36.000 --> 00:20:40.319
<v SPEAKER_00>And so it was like uh it's like that's the only time in which we were gonna be able to play with her.

00:20:40.480 --> 00:20:40.559
<v SPEAKER_00>Yeah.

00:20:40.799 --> 00:20:46.960
<v SPEAKER_00>And so we just tried to take that six months and just live it the best we could given the given the situation.

00:20:47.200 --> 00:21:00.960
<v SPEAKER_00>So you know, and and uh another really crazy quick story, I don't mean to inundate you with this story, but um we had a pastor who's a dumb bastard, um, tell us that we there's nothing in the Bible that says that babies go to heaven.

00:21:01.440 --> 00:21:03.759
<v SPEAKER_00>And can you imagine saying that to parents?

00:21:04.079 --> 00:21:06.240
<v SPEAKER_00>Oh, even if you believed it, why would you say it?

00:21:06.319 --> 00:21:07.440
<v SPEAKER_00>Right, even if you believed it.

00:21:07.759 --> 00:21:09.519
<v SPEAKER_00>My wife was uh devastated.

00:21:10.079 --> 00:21:14.640
<v SPEAKER_00>And so sorry, uh that night she she went to bed.

00:21:16.319 --> 00:21:23.200
<v SPEAKER_00>She had a dream where she was looking at a two-way mirror, she was on the reflective side, and Grace was on the non-reflective side.

00:21:23.440 --> 00:21:32.559
<v SPEAKER_00>Or excuse me, she was on the non-reflective side, Grace was on the reflective side looking into this mirror, and she was perfect, and she was in the most beautiful prairie of flowers that you could ever imagine.

00:21:33.039 --> 00:21:40.799
<v SPEAKER_00>And so for us again, it was God's way of saying, No, she's here, she's healed, she's beautiful, you don't have to worry about her, but she's good.

00:21:41.200 --> 00:21:46.319
<v SPEAKER_00>You know, so it was like these moments where I think God talked to us, you know, in dreams.

00:21:46.640 --> 00:21:47.039
<v SPEAKER_00>I just do.

00:21:47.200 --> 00:21:53.039
<v SPEAKER_00>Yeah, um where our faith was strengthened because it felt like he was just like you guys are gonna be okay.

00:21:53.519 --> 00:21:59.839
<v SPEAKER_00>You know, and so my faith and our faith has definitely been um been incredibly strengthened.

00:22:00.240 --> 00:22:01.599
<v SPEAKER_00>through through that hardship.

00:22:01.759 --> 00:22:09.119
<v SPEAKER_01>And and how obviously that affected you you know many ways in you know increasing your faith.

00:22:09.440 --> 00:22:14.880
<v SPEAKER_01>But what impact did that have on you for for what we're you're doing now?

00:22:15.200 --> 00:22:20.000
<v SPEAKER_00>Yeah, I mean I think that um people tell me what I'm doing now is absolutely crazy.

00:22:21.039 --> 00:22:30.319
<v SPEAKER_01>That's why I thought I was gonna get this rebellious child, you know it's like surely this you know, dude you're going into a war.

00:22:30.559 --> 00:22:31.599
<v SPEAKER_00>Do you understand this?

00:22:31.759 --> 00:22:34.559
<v SPEAKER_00>And I was like Yeah I kind of do.

00:22:34.960 --> 00:22:40.720
<v SPEAKER_00>But if you can get through losing your child and almost getting divorced like I can I can I can't do this.

00:22:40.799 --> 00:22:48.240
<v SPEAKER_01>Yeah you know I I I sense that I sense that you that almost split you and your wife right yeah which is very common.

00:22:48.319 --> 00:23:12.640
<v SPEAKER_01>You know when I was sick um my wife and I I literally was pushing her away like I literally was like doing things to make her go away because of shame guilt who knows right pit self-pity you name it but yeah so that that's normal you know that you were stressed and like you said turned in selfishly to deal with it both of you and then that's of course that doesn't end well.

00:23:12.799 --> 00:23:29.920
<v SPEAKER_00>Yeah but you made it we made it you made it and now we do a lot of you know talking to to married couples and pe couples who are about to get married about marriage because it's one of our favorite things we're going to cabo tomorrow just the two of us oh where do you go in cabo annual offsite to cabo just the two of us for five days.

00:23:30.160 --> 00:23:30.799
<v SPEAKER_01>Where do you stay?

00:23:30.960 --> 00:23:31.680
<v SPEAKER_00>Esperanza.

00:23:31.920 --> 00:23:33.200
<v SPEAKER_01>Okay yeah I love Cabo.

00:23:33.519 --> 00:23:58.720
<v SPEAKER_01>Yeah it's one of our happy places yeah it's easy uh meaning where we live yeah it's easy yeah but um yeah so this was part of what you feel has formed you to the person you listen you know my me getting sick of course every bit of what I teach day came out of that but also it was I needed that to be the person that God needed me to be to carry the mission that I carry.

00:23:59.039 --> 00:25:46.799
<v SPEAKER_00>And and we had another huge trauma in our life I mean literally where um we inherited two kids they tragically lost their parents and we ended up in court for you know three years horrible horrible but God allowed it and he you know for me to be the person that I needed to be I I mean honestly he matured me through it and so that sounds like that's what happened to you absolutely yeah I was I was a you know punk like you said yeah 30 year old and I didn't know what way was up and I think this was a maturing um endeavor for sure so fast forward now you had two young girls now yeah how scary was that yeah I was scared yeah your wife was probably more scared you know what funny enough is she for some reason got to this place I think it was a faith thing yeah that's a god thing where it was just she was just like whatever happens we've done this like whatever happened so we had our next one two years later um Ava who's now eight um and she was like cool calm collected I was the one going into these ultrasounds being like oh my like you know and and I would have I would have been I would have been scared I was I was I have to say incredibly frightened um and then we had another one after that who's a six year old so we have an eight and a six year old um and yeah scared both times and still I feel it today like as just a parent and I'm this probably normal as a parent just fearful for their well being um and I you know it's it's probably one of my every my sins but it's just one of those things where I'm kind of like man I I want to protect yeah my kids which I think you know ultimately was one of the reasons why I I started what I started to protect my children um from the system that that it lives in.

00:25:47.359 --> 00:25:51.759
<v SPEAKER_00>And so um I know we'll get to it but that was one of the the primary drivers.

00:25:52.319 --> 00:27:18.079
<v SPEAKER_01>Yeah well let let's get to it because people are going okay what is he doing about he's taking on this you know he's disrupted this uh you know this paradigm in this country and uh you keep talking about it um yeah I mean I it makes total sense now uh you know what God brought you through for what reason pain to purpose right meaning the purpose you have today is I believe affecting all of us and you're taking this on okay what is it uh yeah well you know let's tell the I'll let you tell the story um of what brought you here and and what I believe you know this I was excited to do this show because a lot right now to make America healthy again right all the health movement that's going on I think we're in a very unique place um you know as a country for sure that we have an opportunity to really make a difference in health uh you know my children's generation in your children's generation is the first generation not to outlive their parents you know they have more chronic disease right we it it there has been a major disrupt in health of humanity in the last 50 years the health of children was said to be somewhere between 3% and 6% meaning chronic disease in children 50 years ago today it is over 60% chronic disease it's a tragedy what happened in 50 years.

00:27:18.240 --> 00:27:40.240
<v SPEAKER_01>But I I say all that to say this there's a great focus on that right now but the topic of how do we afford health care is kind of taken a back burner and there is a lot of corruption around this and um people are making a lot of money and people can't get good health care today.

00:27:40.720 --> 00:27:46.000
<v SPEAKER_01>So that's a little tip of where you went with this but tell me the story how you got there.

00:27:46.319 --> 00:27:52.640
<v SPEAKER_00>Yeah so sold sold my company and most of us get health insurance to our employer so I didn't have health insurance anymore.

00:27:53.039 --> 00:28:01.920
<v SPEAKER_00>I I survived Cobra for a little bit and it was finally I was like I gotta get I got to get health insurance for my family and the only option I thought was to go to the Affordable Care Act plan.

00:28:02.079 --> 00:28:09.519
<v SPEAKER_00>And so I I did that I think it was 11 or 1200 bucks a month for me my wife and my two girls and I kind of joke it worked until I had to use it.

00:28:10.400 --> 00:28:12.319
<v SPEAKER_00>My little one was having recurring ear infections.

00:28:14.000 --> 00:28:15.359
<v SPEAKER_00>So it worked because you were giving money.

00:28:15.519 --> 00:28:30.160
<v SPEAKER_00>Yeah exactly I'm like I guess it's working um yeah so my my little one was having recurring ear infections and so we went to the ear nose and throat doc and he's like yeah she's got a hole in her eardrum you know so much fluid was building up in there that it all basically burst her eardrum.

00:28:30.400 --> 00:28:59.440
<v SPEAKER_00>So no big deal we have to get tubes in her ears it's you know a 15 minute procedure and I was like great I got health insurance that's what this is for and so we went and got it done we were in network my doctor got a pre-authed everything was right um we get the bill three weeks later and it was eight thousand dollars for a 15 minute procedure I was like holy crap eight thousand dollars for 15 minutes like this is nuts wow um but then a few weeks after that I got another note from well I I'm sure like an aspirin can be literally$500.

00:28:59.680 --> 00:29:03.440
<v SPEAKER_00>Yeah well I've got lots of stories around that if we want to talk about them but it's crazy.

00:29:03.680 --> 00:29:08.880
<v SPEAKER_00>And um three weeks after that I got a note from my health insurance plan that says we're not paying for it.

00:29:09.039 --> 00:29:10.799
<v SPEAKER_00>It was medically unnecessary.

00:29:11.039 --> 00:29:12.400
<v SPEAKER_00>And I'm like what?

00:29:12.880 --> 00:29:16.240
<v SPEAKER_00>Like my ear nose and throat doctor she's got a hole in her eardrum.

00:29:16.400 --> 00:29:24.000
<v SPEAKER_00>What are you talking about it's not necessary she went from screaming ever all night every night for weeks to actually sleeping that like I know it works.

00:29:24.240 --> 00:29:31.359
<v SPEAKER_01>That makes our blood boil as a parent right because it's like don't who are you to tell me that that wasn't necessary.

00:29:31.440 --> 00:29:37.119
<v SPEAKER_01>Yeah you weren't up at 3 a.m my kids screeching you know crying out for in pain.

00:29:37.279 --> 00:29:39.119
<v SPEAKER_01>Yeah not necessary anyway.

00:29:39.279 --> 00:29:46.000
<v SPEAKER_00>And it goes back to protecting your kids like I felt like you know daddy bear right he was like screw this like this is not right.

00:29:46.160 --> 00:29:51.519
<v SPEAKER_00>And so I called my insurance plan I said I quit I mean if you're not gonna pay my bills I'm not gonna pay your bills.

00:29:51.599 --> 00:29:52.160
<v SPEAKER_00>So I quit.

00:29:52.319 --> 00:30:00.559
<v SPEAKER_00>So I went after my wife and I was like hey by the way we are uh we're uninsured now and she's like okay so what are we gonna do now?

00:30:00.880 --> 00:30:09.359
<v SPEAKER_00>Um and so I was like I come to find out that I could have gotten that surgery for like 1500 bucks out of your nose and throat doc's office in most places.

00:30:09.440 --> 00:30:09.759
<v SPEAKER_00>Yeah.

00:30:09.920 --> 00:30:29.839
<v SPEAKER_00>Um and I continue to find out that if you pay in cash as opposed to going through your health insurance, it's way less and I'm like okay so what if we put together a platform that allows people to raise money to so they can actually pay their doctors directly as opposed to to health insurance.

00:30:30.000 --> 00:30:37.599
<v SPEAKER_00>And I did about a year of research I found out health insurance was putting about 2000 families every year bankrupt into bankruptcy.

00:30:37.839 --> 00:30:48.480
<v SPEAKER_00>2000 2000 families bankrupt even though they have health insurance so this is these are people that have health insurance and are still going bankrupt due to a medical expense.

00:30:48.640 --> 00:30:54.079
<v SPEAKER_00>Yeah like totally screwed up I never wanted to go for the same reason meaning we're not covering it.

00:30:54.240 --> 00:31:08.400
<v SPEAKER_00>Yeah we're not covering it right or or we'll cover this or their deductible is so high that you know a lot of these deductibles now are like sixteen or eighteen thousand dollars so that means you have to pay the first sixteen or eighteen grand we couldn't afford insurance.

00:31:08.480 --> 00:31:20.400
<v SPEAKER_01>So I was I didn't work for a company so I we just got a very high deductible and we would go in and be like I'd negotiate the cash price I'd say you know well how much is if I just pay cash because I don't have insurance I would tell them that's what I did.

00:31:20.480 --> 00:31:33.519
<v SPEAKER_00>Yeah and they would be like oh okay well you don't have insurance oh okay it'll be five hundred dollars today okay and so how do you do that for you know not only small bills but also the big bills like that ultimately was my that's the cross like what about the big one?

00:31:33.759 --> 00:31:34.400
<v SPEAKER_01>That's the problem.

00:31:34.559 --> 00:31:52.000
<v SPEAKER_00>So I figured if I could get a big enough group of people together that would all fund each other's healthcare expenses um so that these people can go and pay directly their doctor they're gonna get at way better prices which means the price for the service is going to be significantly lower than health insurance then there's something here.

00:31:52.880 --> 00:32:01.119
<v SPEAKER_00>So I just started to start you know decided to start a company and say can I actually get a group of people to to to do this together and the answer is yes.

00:32:01.599 --> 00:32:07.839
<v SPEAKER_00>And we've now had 1500 people you know use crowd health to to f crowdfund their their health bills.

00:32:08.079 --> 00:32:49.279
<v SPEAKER_01>Crowd health was born crowd health was born and it the the premise of getting a group of people together that if the big thing happens you know it it funds it because you're all putting in a certain amount of and it's storing up in okay who did the math I mean mean this is a this is a what are they called actuaries that actually kind of figure these things out is that what they're called and um but you know I mean there's a math quote here I mean quotient right I mean who did the math did you hire for someone no one did it I I I basically did the math myself and was like if I can get to 2500 or 3,000 people and if I have a really really big one I think this will be able to get paid.

00:32:49.599 --> 00:32:53.519
<v SPEAKER_01>So paying a certain amount yep that's affordable for everyone.

00:32:53.759 --> 00:33:11.119
<v SPEAKER_01>Exactly and then you know that money goes up I mean you had to look at that though and go well wait a minute but if something bad happens to one family in the next two years it could be a an upset yeah and you know honestly I was in a position where I had just sold my company yes I made a bunch of money.

00:33:11.279 --> 00:33:19.599
<v SPEAKER_00>Yeah I was like worst case scenario if this doesn't work out then I will help that family directly you know if the the crowd couldn't fund it.

00:33:19.759 --> 00:33:22.319
<v SPEAKER_00>Um so that was my you know plan B.

00:33:22.480 --> 00:33:26.880
<v SPEAKER_00>Yeah my wife I'm not sure really knew that was the plan B, but that was the plan B if this thing didn't work out.

00:33:26.960 --> 00:33:50.160
<v SPEAKER_00>So you kind of looked at it and said okay the downside of this is I don't know maybe I'm out a million or two million bucks because somebody has something massive that they can't what is the upside you build something that can disrupt healthcare that is worth you know billions of dollars and impacts so many hundreds of thousands of people like that was the calculation that I did you know back in April of 2021.

00:33:50.400 --> 00:33:50.799
<v SPEAKER_01>Yeah.

00:33:51.119 --> 00:33:56.720
<v SPEAKER_01>And you were right it worked and I was right here we are so yeah you took the chance it was right you got over the hump.

00:33:56.960 --> 00:34:11.360
<v SPEAKER_01>You know let's back up just a a moment and and talk about the corruption in this whole thing right because people are paying out a lot of money right and then when bad things do end up happening they're shocked at what happened.

00:34:11.440 --> 00:34:15.920
<v SPEAKER_01>So kind of talk about what's happening right now in healthcare because if it wasn't horrible you wouldn't be doing this.

00:34:16.079 --> 00:34:22.559
<v SPEAKER_00>Yeah I I'm gonna go back to some theology real quick you know our friend Paul who is the one of the primary writers in the New Testament.

00:34:22.719 --> 00:34:24.880
<v SPEAKER_01>Yeah wrote three quarters of the New Testament.

00:34:25.199 --> 00:34:27.920
<v SPEAKER_00>For the love of money is the root of all evil.

00:34:28.079 --> 00:34:31.280
<v SPEAKER_00>And some people are like no no it's root of all kinds of evil.

00:34:31.440 --> 00:34:34.480
<v SPEAKER_00>And if you actually go back to the original Greek that's not what it says.

00:34:34.639 --> 00:34:40.960
<v SPEAKER_00>It says for the love of money is the root of all evil which means if there is evil money is at the root of it.

00:34:41.119 --> 00:34:43.519
<v SPEAKER_00>Um and it's a pretty powerful statement.

00:34:43.760 --> 00:34:59.519
<v SPEAKER_00>And so when I looked at the healthcare industry I was like okay let's let's go to the incentives by the way that doesn't make money bad it doesn't make money bad but it doesn't make that false exactly it's the love of and so if we go to the healthcare space let's take a look at who's making the money and what are the incentive systems.

00:34:59.679 --> 00:35:35.519
<v SPEAKER_00>And so people are really like confused about healthcare and I said look it's not that complex here's the deal you've got the sellers of healthcare these big hospital systems they want the highest price possible you want the buyers of healthcare insurance companies they actually want the highest price possible too and that's counterintuitive because what happens is is that if I have a$1,000 of premium the insurance company can only make 150 bucks okay so how do they make 165 bucks they grow their profit by 10% my premium has to go from$1,000 to$1,100.

00:35:36.000 --> 00:35:41.440
<v SPEAKER_00>So my insurance plan actually has an incentive to see prices rise over time.

00:35:41.679 --> 00:35:42.400
<v SPEAKER_00>And that's what we see.

00:35:42.559 --> 00:35:43.360
<v SPEAKER_00>And that's what we're seeing.

00:35:43.440 --> 00:35:54.800
<v SPEAKER_00>So you have the buyer of healthcare and the seller of healthcare both wanting the price to go up that's why our system is screwed up it doesn't take a PhD in economics to figure out if the buyer and the seller want the price to go up, the price is going up.

00:35:54.960 --> 00:35:59.280
<v SPEAKER_01>Yeah opposite of what a house does right when you're buying a house the buyer wants the price to go down.

00:35:59.440 --> 00:36:05.119
<v SPEAKER_01>Exactly the seller wants the price to go up so there's a negotiation that happens in the middle there's no market force and it keeps a balance.

00:36:05.199 --> 00:36:08.400
<v SPEAKER_00>Yeah so no market force in healthcare nobody's pushing the price down.

00:36:08.480 --> 00:36:08.719
<v SPEAKER_00>Right.

00:36:08.880 --> 00:36:18.559
<v SPEAKER_00>Because you and I as you know if we were insured I will I'm not I'm uninsured um but we don't really care what the price is who cares because if it's over our deductible we don't care.

00:36:18.639 --> 00:36:24.000
<v SPEAKER_00>Like give me the$50,000 hip replacement as opposed to the$2200 hip replacement doesn't matter.

00:36:24.239 --> 00:36:24.960
<v SPEAKER_00>Just give it to us.

00:36:25.039 --> 00:36:25.199
<v SPEAKER_00>Right.

00:36:25.360 --> 00:36:29.599
<v SPEAKER_00>So there's no forces market forces pressing those those prices down.

00:36:29.760 --> 00:36:29.920
<v SPEAKER_00>Right.

00:36:30.079 --> 00:36:52.719
<v SPEAKER_00>So that's ultimately what we have a problem with in in healthcare um and so you know and and and and by the way in the year you know that they gotta they can max out at$150 so that if that$85 of medical costs go to$86 or 87 or 88 guess what they make those reimbursements harder and harder to come by.

00:36:53.039 --> 00:37:12.159
<v SPEAKER_00>They make those pre-authorizations doctors have to do harder and harder to come by there's actually a lawsuit going on right now that a lot of these health plans literally like dial up the difficulty of getting your your uh uh surgery authorized based upon the amount of medical expenses they have so that they maximize their profit in year.

00:37:12.320 --> 00:37:25.760
<v SPEAKER_00>So you're screwed in year and you're screwed over the long term these all of the incentives are against the patient and for the hospitals the PBMs the insurance companies they're making the the the the profits.

00:37:26.000 --> 00:37:44.239
<v SPEAKER_01>Yeah it's a rigged game yeah um against us isn't it I mean it's you know there's nothing much we can do because people go I need insurance so therefore you know they have to pay and it's a system that just can keep on rising to the point where we're you know we're being strangled.

00:37:44.480 --> 00:37:45.199
<v SPEAKER_00>And we're at that point.

00:37:45.280 --> 00:37:46.000
<v SPEAKER_00>Yeah we're at that point.

00:37:46.079 --> 00:37:56.480
<v SPEAKER_01>And then and then but people then work they they they buffer it by having working for a business or a corporation that is you know paying it but it they're getting strangled too.

00:37:56.719 --> 00:38:07.440
<v SPEAKER_00>They think they're not paying it they are paying it just through their paycheck but they just don't realize it that because the business has to make it a way to exactly exactly so it's it's it's it's hidden from you.

00:38:07.599 --> 00:38:09.679
<v SPEAKER_00>You know all of this healthcare is opaque for a reason.

00:38:09.840 --> 00:38:13.679
<v SPEAKER_00>Like there's a lot of money to be made when people don't understand what you know how it all works.

00:38:13.840 --> 00:38:14.000
<v SPEAKER_00>Yeah.

00:38:14.320 --> 00:38:19.920
<v SPEAKER_00>And so so the question is is why then if I go and pay the doctor directly do I do you get a much better price?

00:38:20.159 --> 00:38:20.800
<v SPEAKER_00>Well guess what?

00:38:20.880 --> 00:38:22.800
<v SPEAKER_00>The doctor doesn't have to get things pre-authorized.

00:38:22.960 --> 00:38:23.280
<v SPEAKER_00>That's right.

00:38:23.440 --> 00:38:32.000
<v SPEAKER_00>They don't have to have a billing staff there's three billing people for every doctor in most places um they don't have to wait for their money you know they have to wait three or six or nine months to get their money.

00:38:32.239 --> 00:38:33.679
<v SPEAKER_01>Oh and that is that's the case.

00:38:33.840 --> 00:38:53.679
<v SPEAKER_01>By the way when I was practicing um I got out of the insurance game everyone thought I was crazy um because well insurance paid our bills yeah right my staff thought I was nuts I'm I was done you know what it took for me to be done a few times where they said to me as the doctor, oh, we don't think that that was necessary.

00:38:54.000 --> 00:38:57.199
<v SPEAKER_01>Meaning wait a minute wait a minute it's so I was on the opposite side.

00:38:57.360 --> 00:39:04.639
<v SPEAKER_01>So the all that treatment that I just gave this person, you're saying that you don't feel it was necessary.

00:39:04.880 --> 00:39:14.960
<v SPEAKER_01>It's like so when that happens a few times and then they don't send you your check for$15,000 and it's a year later, you know, it's like okay I'm not playing the game anymore.

00:39:15.119 --> 00:39:23.280
<v SPEAKER_01>Come in people I will give you you know way better deal and make it way better affordable and my practice actually exploded.

00:39:23.519 --> 00:39:25.280
<v SPEAKER_01>And now take the insurance out of it.

00:39:25.440 --> 00:39:27.760
<v SPEAKER_00>Well and the and now it's between the patient and the doctor.

00:39:27.920 --> 00:39:28.239
<v SPEAKER_01>That's right.

00:39:28.400 --> 00:39:34.639
<v SPEAKER_00>You don't have a government you don't have an insurance company you don't have an employer in between telling you you doc what you can do with me.

00:39:34.719 --> 00:39:40.559
<v SPEAKER_00>It's now between me and you I'm paying you yeah and so I always say like you work for whoever pays you.

00:39:40.719 --> 00:39:44.639
<v SPEAKER_00>That's true and in this relationship you're working for me that's right.

00:39:44.800 --> 00:39:48.559
<v SPEAKER_00>Whereas with the insurance relationship you're kind of working for the insurance company.

00:39:48.800 --> 00:39:49.840
<v SPEAKER_01>Yeah no doubt about it.

00:39:49.920 --> 00:39:56.480
<v SPEAKER_01>And oh because and and what that means is I'm only going to do treatments to you if they're gonna pay.

00:39:56.639 --> 00:40:01.360
<v SPEAKER_01>Exactly so even though I know this treatment's better for you, I don't get paid there.

00:40:01.440 --> 00:40:02.079
<v SPEAKER_01>I have to do that.

00:40:02.239 --> 00:40:04.239
<v SPEAKER_01>See now I am working for them and not new.

00:40:04.400 --> 00:40:11.599
<v SPEAKER_01>Now take them out of the picture I'm gonna give you what I think is the best and then you and I are going to you know negotiate what we think is the best price.

00:40:11.760 --> 00:40:17.920
<v SPEAKER_00>Here's my price that's fair good let's go let's go do for everything else in life exactly you know it's it's an exchange of value.

00:40:18.000 --> 00:40:26.320
<v SPEAKER_00>Yeah absolutely and so when our when our members go to the doctor and say I'm paying in cash the doctor's like wait what like I can actually practice medicine now.

00:40:26.480 --> 00:40:28.239
<v SPEAKER_00>Like let's talk about what's going on with you.

00:40:28.320 --> 00:40:57.519
<v SPEAKER_01>Yeah um so it's totally changes the dynamic I I have friends in the system differently right uh an orthopedic um doc friend of mine and I'm like he's telling me the horror stories right and I'm like well dude just get out of the system he like what what yeah he really thought it was impossible like you can't I'm like what do you mean he's like because people won't pay I said yes they will they will pay it's like and you know because they will value your care and you can offer them a great discount and dah dah.

00:40:57.599 --> 00:41:28.559
<v SPEAKER_01>It's like you know it's like so anyway the bottom line is is that you know here we are where we have doctors have to get out of the system patients have to get out of the system you've came up with a better way for people to do just that you know I I I have to say um you know when we look at this broken system what we're missing is one more part of it there's no it this system it rewards bad behavior and it doesn't reward good behavior.

00:41:28.719 --> 00:41:39.599
<v SPEAKER_01>Meaning with this system there is no incentive for the patient to take care of themselves or sh or or no incentive for the doctor to tell them to and no incentive for the insurance company to care.

00:41:40.400 --> 00:41:45.360
<v SPEAKER_01>So there's it really is not a vault it does none of it has to do with prevention.

00:41:45.599 --> 00:41:51.920
<v SPEAKER_01>So your system focuses more on prevention and actually has a part of it that is about prevention.

00:41:52.079 --> 00:42:04.000
<v SPEAKER_01>Kind of explain that because that's so you've developed a system that you know will deal with the big problem when it happens brilliant and now you've also dealt with a part of it that actually helps reward good behavior.

00:42:04.239 --> 00:42:35.199
<v SPEAKER_00>Yeah I mean if you if you uh get car insurance and you're a great driver you get a better rate than the non-good driver that rewards good behavior you rewards good behavior you you you think twice about speeding or reckless driving or whatever because you're gonna have to pay for it yeah ultimately um you can't do that with health insurance it's actually illegal to do that isn't that crazy which is a crazy crazy thing isn't it um you know even though I don't know what your stats are but something like 80% of chronic diseases are lifestyle related diseases that people could change.

00:42:35.360 --> 00:42:39.599
<v SPEAKER_00>Yes you know type two diabetes is probably reversible that would drive healthcare costs down.

00:42:39.760 --> 00:43:11.360
<v SPEAKER_00>This makes total sense crazy yeah crazy um so we actually do have a a a program with crowd health where we're looking at two um kind of things that we think are proxies to good metabolic health which is visceral fat and fasting insulin um and so if you have a very important um fasting insulin I can't remember exactly if it's below five or five and a half something like below five below five I think it was you get a 10% discount off of your crowd health well yeah I answered that question not knowing what your number is but I know that below five is optimal is optimal.

00:43:11.599 --> 00:43:21.119
<v SPEAKER_00>And then if you're in the bottom 25% of the population in terms of visceral fat then that is you know indicative or good proxy for metabolic health so you get a 10% discount for that too.

00:43:21.199 --> 00:43:40.480
<v SPEAKER_01>So you can get up to a 20% discount off of crowd health for but by the way just from a business standpoint that makes sense right because wait a minute if I want to make this affordable right if I bring in healthier people and they have an incentive to be healthier to get a discount we're gonna pay out less premiums.

00:43:40.880 --> 00:43:43.840
<v SPEAKER_01>That makes total sense to me from a business standpoint.

00:43:44.079 --> 00:43:44.400
<v SPEAKER_01>Yeah.

00:43:44.559 --> 00:43:52.559
<v SPEAKER_00>Yeah okay so and the only other things is you know if you're obese then you're not allowed in the community and if you're a smoker you're not allowed in the community.

00:43:52.639 --> 00:43:57.360
<v SPEAKER_01>And and the community members value that absolutely we I don't want to pay for their bad behavior.

00:43:57.679 --> 00:43:57.920
<v SPEAKER_01>Exactly.

00:43:58.000 --> 00:44:05.039
<v SPEAKER_01>Yeah and it sounds it sounds but I don't Have a problem paying for the catastrophic thing, or you know, I mean, bad things happen, right?

00:44:05.119 --> 00:44:08.159
<v SPEAKER_01>Even people that take care of themselves, I mean, you know, things can happen.

00:44:08.320 --> 00:44:09.440
<v SPEAKER_01>I don't have a problem with that.

00:44:09.599 --> 00:44:15.679
<v SPEAKER_01>But right, if someone is absolutely abusing themselves, now I have to pay for their heart attack, right?

00:44:15.840 --> 00:44:16.880
<v SPEAKER_01>I'm not, I don't like that.

00:44:17.199 --> 00:44:21.760
<v SPEAKER_00>Well, the the number one expense for the community to date has been pregnancies.

00:44:21.920 --> 00:44:23.199
<v SPEAKER_00>We just got a lot of people in their 30s.

00:44:23.360 --> 00:44:23.920
<v SPEAKER_00>That's awesome.

00:44:24.159 --> 00:44:26.719
<v SPEAKER_00>Which I'm cool paying for babies, it's all about it.

00:44:26.800 --> 00:44:27.920
<v SPEAKER_00>Let's let's reproduce.

00:44:28.079 --> 00:44:30.159
<v SPEAKER_00>Um, the second is active injuries.

00:44:30.400 --> 00:44:33.840
<v SPEAKER_00>So people, you know, mountain biking, face plants, and skiing.

00:44:34.239 --> 00:44:34.800
<v SPEAKER_00>Bad things happen.

00:44:35.039 --> 00:44:37.599
<v SPEAKER_00>Every winter we get all kinds of skiing injuries, things like that.

00:44:37.840 --> 00:44:39.039
<v SPEAKER_00>Which is like bad things happen.

00:44:39.119 --> 00:44:42.880
<v SPEAKER_00>And I want people out active living life, and I'm happy to help people.

00:44:43.119 --> 00:44:43.599
<v SPEAKER_00>Absolutely.

00:44:43.760 --> 00:44:51.599
<v SPEAKER_00>And it's it's like seven percent, I think was the last time I looked at it was like illnesses, like uh cancer, things like that.

00:44:51.679 --> 00:44:53.280
<v SPEAKER_00>We've had three dozen cancer cases.

00:44:53.360 --> 00:44:55.199
<v SPEAKER_00>So we we we just have some of those as we're gonna do.

00:44:55.360 --> 00:44:58.320
<v SPEAKER_01>So I mean, do you attribute those amazing numbers that you just said?

00:44:58.400 --> 00:45:07.199
<v SPEAKER_01>Uh, you know, very little chronic disease to uh the oh, you know, basically awarding good behavior and what you know, who you take in, who you don't know.

00:45:07.280 --> 00:45:08.159
<v SPEAKER_00>I think we're self-selecting.

00:45:08.400 --> 00:45:09.760
<v SPEAKER_00>You know, the group is self-selecting.

00:45:09.840 --> 00:45:12.159
<v SPEAKER_00>It's a group that was like, look, I'm I'm I'm healthy.

00:45:12.239 --> 00:45:16.000
<v SPEAKER_00>I want to be a part of a group that's healthy, that's taking care of themselves.

00:45:16.320 --> 00:45:19.920
<v SPEAKER_00>And by the way, I get a discount if I'm taking care of myself.

00:45:20.079 --> 00:45:23.039
<v SPEAKER_00>So I'm I'm luring in people who want to take care of themselves.

00:45:23.119 --> 00:45:24.320
<v SPEAKER_00>And so it's a self-selecting group.

00:45:24.880 --> 00:45:26.320
<v SPEAKER_01>Okay, I can I ask specifics.

00:45:26.480 --> 00:45:27.760
<v SPEAKER_01>Yeah, what is it a month?

00:45:27.920 --> 00:45:29.039
<v SPEAKER_01>Do you have different programs?

00:45:29.199 --> 00:45:29.440
<v SPEAKER_01>Sure.

00:45:29.599 --> 00:45:31.039
<v SPEAKER_01>Um, is there a deductible?

00:45:31.119 --> 00:45:31.679
<v SPEAKER_01>How does it work?

00:45:31.840 --> 00:45:32.079
<v SPEAKER_00>Yeah.

00:45:32.239 --> 00:45:34.239
<v SPEAKER_00>So um two payments every month.

00:45:34.320 --> 00:45:36.559
<v SPEAKER_00>It's$55 a month to be on the platform.

00:45:36.719 --> 00:45:38.719
<v SPEAKER_00>So that just gives you access to the platform.

00:45:38.880 --> 00:45:47.840
<v SPEAKER_00>That comes to me, that pays my bills, and then up to an additional$140 a month per person, um, or$420 for a family of four or more.

00:45:48.079 --> 00:45:48.719
<v SPEAKER_01>That's really cheap.

00:45:48.800 --> 00:45:49.199
<v SPEAKER_01>Yeah, yeah.

00:45:49.360 --> 00:45:51.840
<v SPEAKER_00>So as a as an individual, you're at about$195.

00:45:52.000 --> 00:45:55.679
<v SPEAKER_00>As a family of four, you're around$640,$650, something like that.

00:45:55.760 --> 00:45:55.920
<v SPEAKER_00>Yeah.

00:45:56.159 --> 00:45:58.000
<v SPEAKER_00>So significantly less expensive.

00:45:58.079 --> 00:46:04.719
<v SPEAKER_00>And and that second component, so that$140 is going directly to another human being in the in the community.

00:46:04.880 --> 00:46:07.519
<v SPEAKER_00>So it goes from your bank account to their bank account.

00:46:07.599 --> 00:46:07.679
<v SPEAKER_00>Right.

00:46:07.920 --> 00:46:11.199
<v SPEAKER_00>And we have some fintech on the back end that makes sure that it gets there and all that kind of stuff.

00:46:11.360 --> 00:46:15.360
<v SPEAKER_01>So I'm not paying for the guy to fly it a learjet across the country.

00:46:15.679 --> 00:46:15.840
<v SPEAKER_01>Yeah.

00:46:15.920 --> 00:46:16.159
<v SPEAKER_01>Yeah.

00:46:16.400 --> 00:46:17.039
<v SPEAKER_00>I love this.

00:46:17.199 --> 00:46:22.559
<v SPEAKER_00>Um, I we we, you know, for example, we have and what unfortunately with with pregnancies, we get a lot of miscarriages too.

00:46:22.639 --> 00:46:23.440
<v SPEAKER_00>It just happens.

00:46:23.599 --> 00:46:32.000
<v SPEAKER_00>Um, and so we and Edwin will send out something for a miscarriage, and women will come back to us and be like, I've been through that.

00:46:32.159 --> 00:46:34.239
<v SPEAKER_00>I know what pain this family is going through.

00:46:34.400 --> 00:46:38.480
<v SPEAKER_00>Like, can I, instead of giving you$100 this month, can I give you$200 this month?

00:46:38.639 --> 00:46:41.039
<v SPEAKER_00>And that's because it is a human-to-human transaction.

00:46:41.280 --> 00:46:41.840
<v SPEAKER_00>Totally different.

00:46:42.000 --> 00:46:45.679
<v SPEAKER_00>As opposed to me sending my money to United Healthcare, which is I don't care.

00:46:45.760 --> 00:46:46.880
<v SPEAKER_00>Like, yeah, what is that?

00:46:47.360 --> 00:46:48.320
<v SPEAKER_00>I don't want to send it to United.

00:46:48.480 --> 00:46:49.920
<v SPEAKER_00>I have no idea how they're spending the money.

00:46:50.079 --> 00:46:52.719
<v SPEAKER_00>My money is going directly to that person who had a miscarriage.

00:46:52.800 --> 00:46:54.400
<v SPEAKER_00>I know exactly where my money's going.

00:46:54.480 --> 00:46:57.280
<v SPEAKER_00>And so I actually feel good about paying my monthly bill.

00:46:57.599 --> 00:47:01.840
<v SPEAKER_01>So here I uh let's take a real life situation, the the earache, right?

00:47:01.920 --> 00:47:03.199
<v SPEAKER_01>Just that was your situation.

00:47:03.360 --> 00:47:04.719
<v SPEAKER_01>So take me through that, right?

00:47:04.800 --> 00:47:09.599
<v SPEAKER_01>So I I go in, my child has an earache, um, I get the bill.

00:47:09.679 --> 00:47:10.559
<v SPEAKER_01>How does it all work?

00:47:10.719 --> 00:47:11.199
<v SPEAKER_00>Yeah.

00:47:11.360 --> 00:47:14.639
<v SPEAKER_00>Um, can I give you a different example, which is a really good actual example?

00:47:15.119 --> 00:47:17.440
<v SPEAKER_00>Um, I met this guy last week.

00:47:17.519 --> 00:47:23.039
<v SPEAKER_00>We we took a hundred of our customers to Vegas um and had a party, um, just because it's what we do.

00:47:23.280 --> 00:47:26.239
<v SPEAKER_01>Oh, yeah, but uh, you know, my my health insurance company takes me to Vegas.

00:47:26.400 --> 00:47:26.719
<v SPEAKER_01>Exactly.

00:47:26.800 --> 00:47:26.880
<v SPEAKER_01>Yeah.

00:47:27.199 --> 00:47:30.159
<v SPEAKER_00>So he uh so I I I met this guy who I've talked about a lot.

00:47:30.239 --> 00:47:31.039
<v SPEAKER_00>His name is Michael.

00:47:31.119 --> 00:47:34.400
<v SPEAKER_00>He was in Montana and he was fishing and he was bear country, wolf country.

00:47:34.480 --> 00:47:36.800
<v SPEAKER_00>So he had a 44 in his in his holster.

00:47:37.039 --> 00:47:42.719
<v SPEAKER_00>And so he was fishing, he leaned down, the 44 fell out of his holster, hit a rock perfectly.

00:47:42.960 --> 00:47:43.519
<v SPEAKER_01>Oh my gosh.

00:47:43.599 --> 00:47:44.480
<v SPEAKER_00>Uh you hear about it.

00:47:44.639 --> 00:47:49.360
<v SPEAKER_00>The bullet went off, went into his calf, out the back of his calf, into his thigh, out the top.

00:47:49.760 --> 00:47:52.239
<v SPEAKER_00>This happened to a friend of mine and out the back.

00:47:52.480 --> 00:47:53.039
<v SPEAKER_01>Oh my god.

00:47:53.360 --> 00:47:54.880
<v SPEAKER_00>One bullet, six holes.

00:47:55.119 --> 00:47:55.599
<v SPEAKER_00>What?

00:47:55.920 --> 00:48:04.480
<v SPEAKER_00>So his wife, you know, had to climb to the closest hill, called 911, they medevaced, got a chopper in, basically pulled him out of a stream.

00:48:04.719 --> 00:48:07.360
<v SPEAKER_00>He went to the ER, which was like two hours away by car.

00:48:07.440 --> 00:48:08.719
<v SPEAKER_00>So, you know, we couldn't do that.

00:48:08.800 --> 00:48:19.599
<v SPEAKER_00>He would have been dead by then, went into a coma, um, got had all his surgeries, you know, had to drive home because they wouldn't let him take an airplane, went into sepsis on the way home.

00:48:19.760 --> 00:48:22.400
<v SPEAKER_00>So had to had like 104 and a half fever.

00:48:22.480 --> 00:48:24.719
<v SPEAKER_00>Um, so he went into sepsis, all these things.

00:48:24.800 --> 00:48:26.159
<v SPEAKER_00>This is a million-dollar bill.

00:48:26.320 --> 00:48:33.119
<v SPEAKER_00>So what we do is we take that million dollar bill, we've got a team on our side that negotiates these bills on behalf of our members.

00:48:33.679 --> 00:48:40.320
<v SPEAKER_00>We got that bill down to somewhere between 200 and 250 grand, so down about 75 or 80 percent.

00:48:40.800 --> 00:48:44.880
<v SPEAKER_00>We've sent that out to the community and it was funded like that, no problem.

00:48:45.039 --> 00:48:46.079
<v SPEAKER_00>Um, super easy.

00:48:46.239 --> 00:48:51.119
<v SPEAKER_00>The great thing about the ER is they have to treat you the same way regardless of your insurance status.

00:48:51.199 --> 00:48:51.920
<v SPEAKER_00>It's a law.

00:48:52.159 --> 00:48:54.159
<v SPEAKER_00>And so you'll get bills after the fact.

00:48:54.239 --> 00:48:56.400
<v SPEAKER_00>So all you have to do is just take a picture of the bill.

00:48:56.800 --> 00:49:03.519
<v SPEAKER_00>It comes to us, we scrape it, we make sure that it's fair price, we make sure that it's, you know, you actually got the service.

00:49:03.920 --> 00:49:06.639
<v SPEAKER_00>We'll negotiate it on your behalf, and so it's super easy.

00:49:06.960 --> 00:49:17.119
<v SPEAKER_01>When you say then you take it to the community, um, are we asking for donations for it, or is there a system for the money that's our the but the money's been paid in a portion of that for it?

00:49:17.199 --> 00:49:18.320
<v SPEAKER_01>So you just use that money.

00:49:18.559 --> 00:49:22.400
<v SPEAKER_00>Well, we'll we're gonna ask you once every month for your 140 bucks.

00:49:22.559 --> 00:49:22.719
<v SPEAKER_00>Right.

00:49:22.880 --> 00:49:26.000
<v SPEAKER_01>So I'm gonna ask you So that money's sitting there waiting for a catastrophic.

00:49:26.480 --> 00:49:27.280
<v SPEAKER_00>It's still in your bank account.

00:49:27.360 --> 00:49:33.039
<v SPEAKER_00>Okay, uh you can say you can say yes or no to giving Michael, who you know shot himself.

00:49:33.280 --> 00:49:36.000
<v SPEAKER_01>Okay, so I have this some accumulated money sitting in there.

00:49:36.159 --> 00:49:38.320
<v SPEAKER_01>Let's say it's 20 grand at this point, right?

00:49:38.400 --> 00:49:39.679
<v SPEAKER_01>That I've accumulated.

00:49:40.000 --> 00:49:44.159
<v SPEAKER_00>You you actually all the money other than so this is totally different from health insurance.

00:49:44.400 --> 00:49:45.280
<v SPEAKER_00>Other than the$55.

00:49:45.840 --> 00:49:47.599
<v SPEAKER_00>So the$55 comes to me.

00:49:47.679 --> 00:49:47.760
<v SPEAKER_00>Okay.

00:49:48.000 --> 00:49:55.119
<v SPEAKER_00>And every month you're gonna give a hundred up to$140 directly to somebody else, which means there's no money stored up in the middle.

00:49:55.280 --> 00:49:59.360
<v SPEAKER_01>Okay, so in other words, it could build up because I haven't it's in your account, right?

00:49:59.519 --> 00:50:01.280
<v SPEAKER_00>In your own personal account, if you'd like to.

00:50:01.519 --> 00:50:03.599
<v SPEAKER_01>Now, is there rules that I mean I have to give it?

00:50:03.679 --> 00:50:05.840
<v SPEAKER_01>Or what if I go, yeah, I'm not, I don't like any of this?

00:50:06.079 --> 00:50:06.639
<v SPEAKER_01>Okay, yeah.

00:50:07.360 --> 00:50:09.039
<v SPEAKER_01>I mean, so now it's at twenty thousand dollars.

00:50:09.440 --> 00:50:10.159
<v SPEAKER_00>Yeah, it's a great question.

00:50:10.320 --> 00:50:25.280
<v SPEAKER_00>So if I asked you to help Michael, who shot himself, uh-huh and you say no, then the next then with the time that you submit bills to the community, the community sees the last 10 times you've been asked have you been said yes, yes, yes, yes, yes, or have you said no, no, no, no, no?

00:50:25.440 --> 00:50:25.519
<v SPEAKER_00>Right.

00:50:25.679 --> 00:50:28.480
<v SPEAKER_00>And so if you've said no, no, no, no, you're not a good member of the community.

00:50:28.719 --> 00:50:30.480
<v SPEAKER_00>You're a taker, not a giver.

00:50:30.639 --> 00:50:31.280
<v SPEAKER_00>Ah, right?

00:50:31.440 --> 00:50:35.039
<v SPEAKER_00>So there is a community component of this where reciprocity is a good thing.

00:50:35.199 --> 00:50:37.519
<v SPEAKER_01>Yes, again, it rewards good behavior.

00:50:37.760 --> 00:50:38.639
<v SPEAKER_01>It rewards it's right.

00:50:38.719 --> 00:50:40.000
<v SPEAKER_01>It's like I want to give it.

00:50:40.719 --> 00:50:47.440
<v SPEAKER_01>So and there's no way of someone building up money, no, no, no, a taker in and being able to use that money for anything else anyway.

00:50:47.760 --> 00:50:51.599
<v SPEAKER_00>99.9% of the bills that we submitted to the community have gotten fully funded.

00:50:51.679 --> 00:51:01.519
<v SPEAKER_00>The 0.1% that haven't gotten fully funded are the people who think they can say no, no, no, no, no, and then submit it to the community and expect the community to be like, yeah, I'm gonna help you, even though you didn't help the rest of us.

00:51:01.840 --> 00:51:04.559
<v SPEAKER_00>So that's those are the only bills that haven't gotten funded to the community.

00:51:04.800 --> 00:51:05.599
<v SPEAKER_01>It's a bad egg.

00:51:05.760 --> 00:51:06.320
<v SPEAKER_01>All right, yeah.

00:51:06.400 --> 00:51:09.599
<v SPEAKER_01>We you know, like Willy Wonky, you have to have a way of getting rid of the bad eggs.

00:51:09.760 --> 00:51:10.239
<v SPEAKER_00>Yeah, yeah.

00:51:10.400 --> 00:51:18.079
<v SPEAKER_00>And by the way, I say up to 140 a month to help somebody else out in the community because if we don't have enough bills in the community, we're not gonna ask for that 140.

00:51:18.159 --> 00:51:22.880
<v SPEAKER_00>So this month we're only asking for 90 of the 140, which means you get to keep your 50.

00:51:23.039 --> 00:51:26.719
<v SPEAKER_00>You can go and you know, buy a steak or buy your wife a gift or whatever you want.

00:51:26.800 --> 00:51:28.000
<v SPEAKER_00>We're never gonna take it from you.

00:51:28.400 --> 00:51:36.079
<v SPEAKER_00>And so it does also incentivize the community to keep bills down because you as a community member are benefiting from that.

00:51:36.239 --> 00:51:40.400
<v SPEAKER_00>So an individual with crowd health this month is only paying 140 or 145 bucks.

00:51:40.559 --> 00:51:41.760
<v SPEAKER_01>Uh, it's brilliant, man.

00:51:41.840 --> 00:51:49.840
<v SPEAKER_00>Uh yeah, it it's there's only one more component of that is whenever you I I I personally believe that if somebody has a health event, they gotta have some skin in the game.

00:51:50.079 --> 00:51:56.000
<v SPEAKER_00>Because I think if you don't pay anything, there's then the incentive to you know consume to infinity.

00:51:56.239 --> 00:52:00.719
<v SPEAKER_00>And so um our members pay the first 500 bucks of any health event.

00:52:00.880 --> 00:52:03.679
<v SPEAKER_00>So if you go to the ER, it's 500 bucks.

00:52:03.760 --> 00:52:06.000
<v SPEAKER_00>Okay, if you shoot yourself, it's 500 bucks.

00:52:06.159 --> 00:52:07.280
<v SPEAKER_01>Yeah, it's cancer, it's five.

00:52:07.840 --> 00:52:14.079
<v SPEAKER_01>I think that's smart because other you could get a hypochondriac, you could get someone who totally uh yeah, people like going to doctors sometimes.

00:52:14.239 --> 00:52:16.000
<v SPEAKER_01>It sounds very weird, but it's true, right?

00:52:16.079 --> 00:52:19.119
<v SPEAKER_01>It's like because they're they're very paranoid, so they're always going.

00:52:19.440 --> 00:52:25.840
<v SPEAKER_01>You have to there you have to have something to buffer that that little little head, you know, little hurdle to get over.

00:52:26.079 --> 00:52:28.079
<v SPEAKER_00>And we feel like 500 bucks is a good number.

00:52:28.239 --> 00:52:29.840
<v SPEAKER_00>Anyone can come up with 500 bucks, yeah.

00:52:29.920 --> 00:52:30.559
<v SPEAKER_00>You can figure it out.

00:52:30.719 --> 00:52:34.320
<v SPEAKER_01>And it's also enough to make it a hurdle, yeah, right?

00:52:34.400 --> 00:52:37.599
<v SPEAKER_01>So you're not just abusing the system, keep showing up because you got a headache.

00:52:37.760 --> 00:52:38.000
<v SPEAKER_01>100%.

00:52:38.320 --> 00:52:40.960
<v SPEAKER_01>Yeah, it's like, yeah, I had a headache too this week, but I didn't go.

00:52:41.039 --> 00:52:42.320
<v SPEAKER_00>Yeah, it's worked beautifully.

00:52:42.400 --> 00:52:46.320
<v SPEAKER_00>I think we're on bill 30,000 now or something like that over the last four years.

00:52:46.480 --> 00:52:49.280
<v SPEAKER_00>And like I said, 99.9% of them have gotten funded.

00:52:49.440 --> 00:52:57.840
<v SPEAKER_00>Everything from little pediatric bills to people shooting themselves to multiple cancer cases, NICU babies, brain surgeries, heart surgeries.

00:52:57.920 --> 00:52:59.119
<v SPEAKER_00>We've done it all.

00:52:59.440 --> 00:53:01.360
<v SPEAKER_01>Because you've disrupted the system.

00:53:01.440 --> 00:53:04.000
<v SPEAKER_01>I number one, where do you see this going?

00:53:04.239 --> 00:53:06.000
<v SPEAKER_01>How disruptive is it?

00:53:06.320 --> 00:53:10.719
<v SPEAKER_01>Number two, have you um have you gotten pushback anywhere?

00:53:11.039 --> 00:53:22.800
<v SPEAKER_00>Um, yeah, the first question, like I I don't know why anybody ultimately would choose health insurance over crowd health once they s realize how reliable it is.

00:53:23.039 --> 00:53:23.199
<v SPEAKER_00>Yeah.

00:53:23.599 --> 00:53:27.280
<v SPEAKER_01>Is there any advantage to regular health care that I mean honestly thing?

00:53:27.519 --> 00:53:28.800
<v SPEAKER_00>If you're sick, there's an advantage.

00:53:28.960 --> 00:53:29.280
<v SPEAKER_01>Okay.

00:53:29.440 --> 00:53:29.599
<v SPEAKER_00>Yeah.

00:53:29.840 --> 00:53:32.159
<v SPEAKER_00>I mean if you if you like you mean chronically sick.

00:53:32.400 --> 00:53:34.480
<v SPEAKER_00>Chronically sick, yeah, then go get health insurance.

00:53:34.639 --> 00:53:34.800
<v SPEAKER_00>Okay.

00:53:34.960 --> 00:53:37.199
<v SPEAKER_00>Yeah, that that would there's a benefit to health insurance for the case.

00:53:37.360 --> 00:53:44.559
<v SPEAKER_01>But the problem with being chronically sick is that they they've got ways to squeeze you too.

00:53:44.719 --> 00:53:46.239
<v SPEAKER_01>You know, I mean you know what I'm saying.

00:53:46.719 --> 00:53:47.440
<v SPEAKER_00>Deductibles are one way.

00:53:48.239 --> 00:53:54.159
<v SPEAKER_01>And my argument from that is that because they have ways to squeeze you, you don't get the best care.

00:53:54.320 --> 00:53:56.960
<v SPEAKER_01>You're getting the care that the only care that they offer.

00:53:57.280 --> 00:54:00.159
<v SPEAKER_01>You have to understand, I'm thinking from an alternative standpoint, right?

00:54:00.239 --> 00:54:01.199
<v SPEAKER_01>They're not paying for that.

00:54:01.360 --> 00:54:08.719
<v SPEAKER_01>They're not paying for ozone treatments, they're not paying for uh, you know, for you to do cellular detox, they're not paying for any of that.

00:54:09.199 --> 00:54:09.440
<v SPEAKER_01>Right?

00:54:09.599 --> 00:54:10.719
<v SPEAKER_01>That's that's an issue.

00:54:10.800 --> 00:54:16.079
<v SPEAKER_01>So you're stuck with whatever they think is good, which I think is successful.

00:54:16.320 --> 00:54:18.159
<v SPEAKER_00>Typical Western medicine, which you know, okay.

00:54:19.280 --> 00:54:19.440
<v SPEAKER_01>Yeah.

00:54:19.519 --> 00:54:22.960
<v SPEAKER_01>So if that's the only benefit, I don't see even see it as a benefit, but okay.

00:54:23.119 --> 00:54:23.679
<v SPEAKER_00>Yeah, maybe.

00:54:23.920 --> 00:54:37.440
<v SPEAKER_00>I mean, look, I think the maybe the only other benefit I think is a downside, but like people are comfortable going to their doctor and just laying down their credit card or their uh their insurance card and then not having to worry about it until they get an explanation of benefits and you have no idea why they pay all this money.

00:54:37.599 --> 00:54:48.800
<v SPEAKER_00>So it's you know, we we ask people that like, look, if you have a big event coming up, will you call us so that we can help you find a really great doctor in that location, in that city?

00:54:49.039 --> 00:54:57.760
<v SPEAKER_00>And you know, typically what we'll have is a really great doctor who will take cash, um, who will give you a great price for you know a cash pay um procedure.

00:54:58.000 --> 00:55:05.599
<v SPEAKER_00>And so we just ask the people to call us, um, or else they're gonna go get you know forty thousand dollar knee replacements when you can get it for twenty two thousand.

00:55:06.000 --> 00:55:06.480
<v SPEAKER_01>No, totally.

00:55:06.639 --> 00:55:10.320
<v SPEAKER_01>I I mean you get y'all are going to be able to negotiate that much better.

00:55:10.559 --> 00:55:16.480
<v SPEAKER_01>Do you see a time where it's covering more alternative therapies, um procedures?

00:55:16.800 --> 00:55:19.199
<v SPEAKER_01>Yeah, I mean, I think where do you draw that line?

00:55:19.280 --> 00:55:20.159
<v SPEAKER_01>How do you draw that line?

00:55:20.320 --> 00:55:25.119
<v SPEAKER_00>I I think it's one of our challenges right now is where where to draw that line because we don't really care what doctor you go to.

00:55:25.280 --> 00:55:32.239
<v SPEAKER_00>So we have naturopathic, we have integrative, you know, um, all kinds of people going to those those doctors, which I love.

00:55:32.559 --> 00:55:34.960
<v SPEAKER_00>Yeah they get to the root core core issues, right?

00:55:35.119 --> 00:55:38.639
<v SPEAKER_00>They are a little bit more expensive than your kind of allopathic, you know, doctors.

00:55:38.800 --> 00:55:39.920
<v SPEAKER_00>I'm fine with that.

00:55:40.159 --> 00:55:51.440
<v SPEAKER_00>Um, I think you know, our challenge, and and maybe you can help us with this, is is bifurcating or figuring out like the the quacks versus the people who know what they're doing.

00:55:51.599 --> 00:55:51.840
<v SPEAKER_00>Yeah.

00:55:52.079 --> 00:56:03.360
<v SPEAKER_00>And so um we had a guy who uh you know was like came to us and was like, Oh, there's a surgery, it's the only guy in the United States who does it and it's a hundred thousand dollars, and he promised me he's gonna you know fix it.

00:56:03.440 --> 00:56:07.199
<v SPEAKER_00>And you go look at his reviews and they're all like didn't fix, didn't fix, didn't fix.

00:56:07.280 --> 00:56:11.280
<v SPEAKER_00>And we're like, dude, like yeah, you know, it's this is not right for the community.

00:56:11.679 --> 00:56:12.400
<v SPEAKER_01>Yeah, exactly.

00:56:12.559 --> 00:56:14.480
<v SPEAKER_01>So I mean, how do you make those decisions?

00:56:14.639 --> 00:56:15.920
<v SPEAKER_01>Do you have a board of people?

00:56:16.159 --> 00:56:18.000
<v SPEAKER_01>We have a board of you don't want to make those decisions.

00:56:18.079 --> 00:56:20.000
<v SPEAKER_01>I don't want to make those decisions individually, yeah.

00:56:20.239 --> 00:56:46.000
<v SPEAKER_00>You know, is ultimately we filter, and if we say no, he hasn't an ability to peel and actually goes to five members of Crowd Health, and we make a state our are like, hey, this is why we don't think it should be get funded, and that he says, Hey, here's why it should get funded, and then our members ultimately decide if it gets so you could bring anything, you know, to it, meaning like, hey, I I want to go get these 12 eboo.

00:56:46.079 --> 00:56:49.280
<v SPEAKER_01>I don't know if you know what eBoo is, but um, it's an ozone dialysis.

00:56:49.360 --> 00:56:54.320
<v SPEAKER_01>I want to get 12 of these because you know they say this is going to be helpful for my autoimmune condition.

00:56:54.960 --> 00:56:57.119
<v SPEAKER_01>Um they can bring that to the community.

00:56:57.360 --> 00:57:01.199
<v SPEAKER_01>They can bring it to the community, and then it will go through that process and they will look at it.

00:57:01.440 --> 00:57:05.440
<v SPEAKER_01>And well, yeah, there is some legitimacy here for autoimmune.

00:57:06.320 --> 00:57:07.599
<v SPEAKER_01>You know, let's let's do it.

00:57:07.840 --> 00:57:08.079
<v SPEAKER_01>Totally.

00:57:08.239 --> 00:57:08.400
<v SPEAKER_01>Okay.

00:57:08.559 --> 00:57:08.880
<v SPEAKER_01>Yeah, yeah.

00:57:09.039 --> 00:57:09.280
<v SPEAKER_01>All right.

00:57:09.440 --> 00:57:09.599
<v SPEAKER_01>Yeah.

00:57:09.920 --> 00:57:15.599
<v SPEAKER_00>And we've we've, I mean, we have people, I don't know where you're at on like acupuncture and things like that, but we have people who do acupuncture.

00:57:15.679 --> 00:57:16.239
<v SPEAKER_00>I think that's right.

00:57:16.320 --> 00:57:17.840
<v SPEAKER_00>They do ozone stuff.

00:57:18.000 --> 00:57:21.119
<v SPEAKER_00>Um, ultimately, I was like, hey, it's between you and your doctor.

00:57:21.199 --> 00:57:22.960
<v SPEAKER_00>Um, what what you want to what do you want to do?

00:57:23.199 --> 00:57:25.039
<v SPEAKER_00>And a lot of these therapies are very reasonable.

00:57:25.280 --> 00:57:25.840
<v SPEAKER_00>Some of them are not.

00:57:26.000 --> 00:57:28.320
<v SPEAKER_00>Yeah, yeah, like are very expensive, right?

00:57:28.400 --> 00:57:29.280
<v SPEAKER_00>But most of these are reasonable.

00:57:29.360 --> 00:57:31.360
<v SPEAKER_00>And if it's reasonable, we're like, sure, go ahead.

00:57:31.840 --> 00:57:37.360
<v SPEAKER_01>I mean, there is this um line that you have to decide if you want to cross or not.

00:57:37.519 --> 00:57:43.199
<v SPEAKER_01>Meaning, I think that it we pay for insurance for our cars when they get dinged up, banged up, right?

00:57:43.280 --> 00:57:45.440
<v SPEAKER_01>You know, and there's a deductible, it works, right?

00:57:45.519 --> 00:57:51.039
<v SPEAKER_01>There's an incentive to keep our cars running good, and there's an incentive to put new oil in it, but that's out of us.

00:57:51.199 --> 00:57:53.119
<v SPEAKER_01>That's you know, to take care of the car.

00:57:53.360 --> 00:57:59.679
<v SPEAKER_01>We are all willing to pay out of our pocket to take care of the car, and then we expect insurance to do this.

00:57:59.840 --> 00:58:03.039
<v SPEAKER_01>It seems so clean when we deal with cars, yeah, right?

00:58:03.360 --> 00:58:06.000
<v SPEAKER_01>Why isn't it as clean when we're dealing with our health?

00:58:06.159 --> 00:58:14.000
<v SPEAKER_01>Meaning, like, I think we have a certain responsibility to say, well, I'm gonna do these things and change my oil, right?

00:58:14.159 --> 00:58:16.960
<v SPEAKER_01>Yeah, you know the analogy I'm saying here, right?

00:58:17.119 --> 00:58:32.719
<v SPEAKER_01>And uh, but it's not the insurance's company job, the crowd, it's not their job to maybe change the oil, meaning the things that you do, your breathing classes, right, your exercise, you know, those are things that I think you're responsible for.

00:58:32.880 --> 00:58:33.920
<v SPEAKER_01>Where do you guys draw the line there?

00:58:34.079 --> 00:58:36.480
<v SPEAKER_00>Yeah, I mean a lot of this reason was it was put into law.

00:58:36.559 --> 00:58:46.079
<v SPEAKER_00>I mean, it was put into law, you know, uh what, 15 years ago now or so, you know, that these health insurance plans have to pay for all of these preventative things.

00:58:46.239 --> 00:58:51.679
<v SPEAKER_00>Um, where I don't think I, you know, I think I should be paying for my primary care doc.

00:58:51.920 --> 00:58:53.760
<v SPEAKER_00>It's it's a once-a- you know, year thing.

00:58:54.159 --> 00:58:57.360
<v SPEAKER_00>Um, if I want to pay for labs, I should be paying for my labs.

00:58:57.519 --> 00:58:58.719
<v SPEAKER_00>They're not that expensive.

00:58:59.119 --> 00:59:02.960
<v SPEAKER_00>Um, these are the oil changes of our bodies that they need to we need to be doing.

00:59:03.039 --> 00:59:05.920
<v SPEAKER_00>And so we really are trying to focus on helping people with the big stuff.

00:59:06.079 --> 00:59:06.320
<v SPEAKER_00>Right.

00:59:06.480 --> 00:59:09.280
<v SPEAKER_00>The big stuff that happens, the dings, the dents, the yeah.

00:59:09.360 --> 00:59:10.800
<v SPEAKER_01>So you're more like the car insurance.

00:59:11.119 --> 00:59:11.440
<v SPEAKER_00>Exactly.

00:59:11.519 --> 00:59:11.840
<v SPEAKER_00>Uh-huh.

00:59:12.000 --> 00:59:16.400
<v SPEAKER_00>We do, you know, have a like a$300 per year wellness allocation.

00:59:16.559 --> 00:59:18.480
<v SPEAKER_00>So, you know, it's up for one visit.

00:59:18.559 --> 00:59:19.840
<v SPEAKER_00>You can use it however you want.

00:59:19.920 --> 00:59:22.400
<v SPEAKER_00>And we're just trying to incentivize people to go to the doc.

00:59:22.639 --> 00:59:29.920
<v SPEAKER_00>And if it's more than$300, which oftentimes it is, you own anything above$300, the$300 can get sent to the community.

00:59:30.239 --> 00:59:30.719
<v SPEAKER_00>But it's great.

00:59:30.800 --> 00:59:34.159
<v SPEAKER_00>We got a lot of babies, pd pediatric visits and things like that.

00:59:34.320 --> 00:59:36.000
<v SPEAKER_00>So it works for the community.

00:59:36.320 --> 00:59:39.440
<v SPEAKER_00>Um, but we are, you know, very focused on our people.

00:59:39.760 --> 00:59:44.079
<v SPEAKER_00>I'm getting as much money back to our people so they can spend their money the way they want to spend it.

00:59:44.320 --> 00:59:44.880
<v SPEAKER_00>That's the point.

00:59:45.039 --> 00:59:54.480
<v SPEAKER_00>As opposed to that's you know, some centralized authority choosing the way I saved$10,000 last year on crowd health, just with my family.

00:59:54.639 --> 00:59:56.400
<v SPEAKER_00>It's probably closer to 20, actually.

00:59:56.639 --> 00:59:58.559
<v SPEAKER_00>And um, I was like, I want now.

00:59:58.639 --> 01:00:03.039
<v SPEAKER_00>I have$10,000 or$20,000 to go and spend it on my healthcare, whatever way I want to spend it.

01:00:03.199 --> 01:00:03.440
<v SPEAKER_01>Right.

01:00:03.519 --> 01:00:04.239
<v SPEAKER_01>I mean, exactly.

01:00:04.400 --> 01:00:07.760
<v SPEAKER_01>I'm gonna buy all organic, it's more expensive, but I I value it.

01:00:07.920 --> 01:00:09.840
<v SPEAKER_01>I understand the hell I'm choosing to do that.

01:00:10.000 --> 01:00:16.079
<v SPEAKER_01>I choose to join this gym, I choose to uh, you know, what whatever it is, you know, do cellular detox.

01:00:16.320 --> 01:00:22.079
<v SPEAKER_01>I choose, you know, those are things you're able to do because of the money you're saving, and you should value it and choose it.

01:00:22.159 --> 01:00:24.079
<v SPEAKER_01>So it's the way I see it for sure.

01:00:24.320 --> 01:00:29.280
<v SPEAKER_01>Uh no, I think this is um, you know, just a huge breakthrough.

01:00:29.360 --> 01:00:33.599
<v SPEAKER_01>Uh do you think it's going to uh get more accepted?

01:00:33.679 --> 01:00:35.679
<v SPEAKER_01>I mean, where where do you see it going?

01:00:35.840 --> 01:00:38.880
<v SPEAKER_01>Uh you said you had what what 20 how many members?

01:00:39.039 --> 01:00:41.760
<v SPEAKER_00>We're we currently have 10,000 members in the community.

01:00:42.159 --> 01:00:42.480
<v SPEAKER_00>Yeah.

01:00:42.719 --> 01:00:46.480
<v SPEAKER_01>Um and I will and do you see other of these starting up?

01:00:46.639 --> 01:00:48.320
<v SPEAKER_01>I mean, you know, nothing.

01:00:48.400 --> 01:00:49.519
<v SPEAKER_01>Where there's Coke, there's Pepsi.

01:00:49.840 --> 01:00:51.760
<v SPEAKER_00>I mean, in the sense Yeah, that's amazing.

01:00:51.920 --> 01:00:58.559
<v SPEAKER_00>Yeah, interestingly enough, nobody has started up because I don't think I think everybody thinks I'm kind of like, you know, excuse me the language, like batshit crazy for doing this.

01:00:58.639 --> 01:00:58.880
<v SPEAKER_00>Yeah.

01:00:59.039 --> 01:01:03.679
<v SPEAKER_00>Um, and a lot of people who are in this, people think they're batshit crazy for being in it.

01:01:03.920 --> 01:01:11.280
<v SPEAKER_00>But I would tell you, over the last six months, we have seen a significant increase in the number of people signing up.

01:01:11.360 --> 01:01:11.840
<v SPEAKER_00>I think that is.

01:01:12.159 --> 01:01:12.559
<v SPEAKER_00>How do you market?

01:01:12.800 --> 01:01:13.519
<v SPEAKER_01>How do you market it?

01:01:13.679 --> 01:01:14.559
<v SPEAKER_00>We go on podcasts.

01:01:14.719 --> 01:01:16.159
<v SPEAKER_00>Yeah, we we tell the story, right?

01:01:16.400 --> 01:01:20.480
<v SPEAKER_01>People once they hear the story, they're like, This is what is really give them how they sign up.

01:01:20.719 --> 01:01:21.440
<v SPEAKER_01>Go ahead and give it away.

01:01:21.519 --> 01:01:22.960
<v SPEAKER_00>Yeah, joinchealth.com.

01:01:23.119 --> 01:01:24.000
<v SPEAKER_00>Join crowdhealth.com.

01:01:24.239 --> 01:01:25.280
<v SPEAKER_00>It takes five minutes.

01:01:25.360 --> 01:01:28.000
<v SPEAKER_00>Yeah, you can start whenever you want, you can end whenever you want.

01:01:28.079 --> 01:01:29.199
<v SPEAKER_00>It's a month to month.

01:01:29.360 --> 01:01:30.559
<v SPEAKER_00>So cheap.

01:01:30.880 --> 01:01:38.239
<v SPEAKER_00>You know, it's it it's worth worth a shot to get over this, you know, cartel that is the medical industrial complex.

01:01:38.559 --> 01:01:42.320
<v SPEAKER_00>Um it's simple and easy to use.

01:01:42.400 --> 01:01:49.679
<v SPEAKER_00>And um, you know, and and one other thing too is I want to mention is pharma is clearly a big, you know, concern for people.

01:01:50.159 --> 01:01:55.119
<v SPEAKER_00>We can actually go to the pharmaceutical companies and negotiate with them directly too, without the PBM in the middle.

01:01:55.280 --> 01:02:00.639
<v SPEAKER_01>Yeah, because there's people out there watching this or be like, uh, unless I can't do it because my insulin is right in this.

01:02:01.199 --> 01:02:01.840
<v SPEAKER_01>Yeah, we can help.

01:02:02.079 --> 01:02:02.480
<v SPEAKER_00>We can help.

01:02:02.559 --> 01:02:02.719
<v SPEAKER_00>Yeah.

01:02:02.800 --> 01:02:03.199
<v SPEAKER_00>We can help.

01:02:03.280 --> 01:02:08.719
<v SPEAKER_00>We had we had one uh woman with I think it was lymphoma, where her monthly med was 40 grand.

01:02:09.039 --> 01:02:14.559
<v SPEAKER_00>And we went to the PBM or excuse me, the uh pharmaceutical company directly and got it down to 2,500 bucks a month.

01:02:15.280 --> 01:02:18.239
<v SPEAKER_00>So I mean, like, what is that 80% reduct reduction?

01:02:18.400 --> 01:02:20.480
<v SPEAKER_00>Nine no more than 90% reduction.

01:02:21.440 --> 01:02:27.679
<v SPEAKER_00>Um, and so we're we're taking a very active role in helping you negotiate with these these these bills.

01:02:27.840 --> 01:02:29.920
<v SPEAKER_00>Um, and we don't ask you to negotiate.

01:02:30.000 --> 01:02:32.239
<v SPEAKER_00>We just, hey, you know, if you need help, just call us.

01:02:32.480 --> 01:02:38.480
<v SPEAKER_01>Now, uh, if I'm out there, uh there anything that you're selective who you take, right?

01:02:38.559 --> 01:02:48.480
<v SPEAKER_01>Uh uh maybe there's someone out there going, Well, they're not gonna take me, I have diabetes, they're not gonna take me, I have a thyroid condition, they're not gonna take me because I have or what what's the stipulations there?

01:02:48.800 --> 01:02:59.039
<v SPEAKER_00>Um, the only one people we won't take is if, like I said, smokers, overweight, and then 65 or over, we can't only because of some Medicare, stupid Medicare rules.

01:02:59.280 --> 01:03:02.320
<v SPEAKER_00>Um, we're I think we've got a solution to that.

01:03:02.480 --> 01:03:08.960
<v SPEAKER_00>So if people are over 65 or bum that they can't join, just wait for a few more months and we might have something for you.

01:03:09.199 --> 01:03:12.960
<v SPEAKER_00>Um, and then other than that, we've we've got a ton of people with type 1 diabetes.

01:03:13.119 --> 01:03:20.719
<v SPEAKER_00>Um, and what they've found is they're like, look, yeah, crowd health can help me find my insulin and my supplies, way less expensive.

01:03:20.880 --> 01:03:26.400
<v SPEAKER_00>Um, we do ask them to own that for the first two years that they're in in crowd health.

01:03:26.559 --> 01:03:32.079
<v SPEAKER_00>Um, but they are saving so much money that they're like, I'm saving 10 grand a year.

01:03:32.320 --> 01:03:34.239
<v SPEAKER_00>My supplies are nowhere near that.

01:03:34.400 --> 01:03:38.159
<v SPEAKER_00>And so I'm I'm more willing to do this than going with a health insurance.

01:03:38.400 --> 01:03:45.280
<v SPEAKER_01>I I want to somehow be on the part of if you have those conditions, your body can reverse those conditions.

01:03:45.519 --> 01:03:46.559
<v SPEAKER_00>Well, especially type two.

01:03:46.880 --> 01:03:47.840
<v SPEAKER_01>Yeah, absolutely.

01:03:48.000 --> 01:03:50.639
<v SPEAKER_01>Yeah, it's like, you know, these are reversible conditions.

01:03:50.800 --> 01:03:55.280
<v SPEAKER_01>Thyroid, Hashimoto's, you know, type two diabetes, these are reversible conditions.

01:03:55.440 --> 01:04:02.000
<v SPEAKER_00>And uh some of these meds, too, these the thyroid meds, blood pressure meds, like they're super inexpensive.

01:04:02.159 --> 01:04:03.440
<v SPEAKER_00>Yeah, they're not that much.

01:04:03.519 --> 01:04:10.000
<v SPEAKER_00>Yeah, so my own sister was, you know, I was on a blood pressure and thyroid med, and I think it was like$22 a month or something like that that she had to pay.

01:04:10.159 --> 01:04:15.920
<v SPEAKER_01>Yeah, but people don't know that because they they're like, I'm trapped on my insurance because my insurance is like it's$22 a month.

01:04:16.000 --> 01:04:17.039
<v SPEAKER_01>Like, you know, yeah.

01:04:17.199 --> 01:04:20.480
<v SPEAKER_01>It's like not, but you have to negotiate it for Yeah, exactly.

01:04:20.559 --> 01:04:21.760
<v SPEAKER_00>So, and we help you with that.

01:04:21.840 --> 01:04:25.760
<v SPEAKER_00>We give you websites that you can go on and see it, and so you know, it's it's pretty easy.

01:04:26.000 --> 01:04:30.480
<v SPEAKER_01>What part of crowd health is the most meaningful for you?

01:04:30.960 --> 01:04:51.360
<v SPEAKER_00>Yeah, I mean, I think one of the things that I I hated when during my my health insurance experience when I was fighting with this health insurance plan is I would call the health insurance plan and I would be like routed to some you know call center in India or something, and I'm like talking to somebody, I'm telling them about my health care issue, and they're like, one, I had to wait 30 minutes to talk to them.

01:04:51.440 --> 01:04:54.960
<v SPEAKER_00>Then I talked to them, I was like, Oh, you're in the wrong group, you have to go to this group.

01:04:55.039 --> 01:04:58.239
<v SPEAKER_00>Then I had to say it again and wait, and uh I hated it.

01:04:58.320 --> 01:05:04.000
<v SPEAKER_00>And so at Crowd Health, you have a care advocate that you are assigned to when you sign up.

01:05:04.159 --> 01:05:04.639
<v SPEAKER_00>That's huge.

01:05:04.800 --> 01:05:06.400
<v SPEAKER_00>So Kelly is my care advocate.

01:05:06.559 --> 01:05:08.320
<v SPEAKER_00>Every time I have an issue, I talk to Kelly.

01:05:08.480 --> 01:05:14.400
<v SPEAKER_00>Kelly gets to know me, I get to know her, I schedule a time to meet with Kelly, I can text her, I can email her.

01:05:14.639 --> 01:05:15.840
<v SPEAKER_00>It's super easy.

01:05:16.000 --> 01:05:18.719
<v SPEAKER_00>And you get these, you get these relationships.

01:05:18.960 --> 01:05:29.360
<v SPEAKER_00>And so um our one of our care advocates, um, Naram, a mom called him and was like, My son is actually in Colorado, your neighboring state.

01:05:29.519 --> 01:05:37.760
<v SPEAKER_00>Um son was out hiking, fell, busted his face open, and you know, had to get stitches and go to the ER and all that kind of stuff.

01:05:37.920 --> 01:05:40.639
<v SPEAKER_00>The crowd funded his his his his care.

01:05:41.039 --> 01:05:47.679
<v SPEAKER_00>Um, but his mom called and is like, Yeah, what the bummer about this is is the little guy doesn't want to go and go hiking with his dad anymore.

01:05:47.840 --> 01:05:48.559
<v SPEAKER_00>He's scared.

01:05:48.800 --> 01:05:59.679
<v SPEAKER_00>And so Naram bought this little kid a little climbing set that he put in his his uh living room with a little note that says, We hope your buddy gets back to adventuring.

01:06:00.079 --> 01:06:03.760
<v SPEAKER_00>You know, and so the mom was at this point crying, being like, that's so thoughtful.

01:06:03.920 --> 01:06:08.159
<v SPEAKER_00>And so those things that we can actually like love our members really, really well.

01:06:09.039 --> 01:06:10.880
<v SPEAKER_00>That like gets me fired up.

01:06:11.119 --> 01:06:14.159
<v SPEAKER_00>Like we always say that we legit care for our members.

01:06:14.480 --> 01:06:15.119
<v SPEAKER_00>And we do.

01:06:15.280 --> 01:06:16.400
<v SPEAKER_00>We love them really, really well.

01:06:16.480 --> 01:06:17.760
<v SPEAKER_00>So that's my my favorite part.

01:06:18.000 --> 01:06:19.119
<v SPEAKER_00>That would be my favorite part.

01:06:19.519 --> 01:06:21.119
<v SPEAKER_00>And I think a little bit comes from that.

01:06:21.199 --> 01:06:25.039
<v SPEAKER_00>Like we felt loved when we were going through our situation with Grace.

01:06:25.199 --> 01:06:26.639
<v SPEAKER_00>I'm a a girl dad.

01:06:26.719 --> 01:06:26.880
<v SPEAKER_00>Yeah.

01:06:27.039 --> 01:06:32.159
<v SPEAKER_00>So there's a just a piece of me that one's like love my my girls really, really well.

01:06:32.480 --> 01:06:38.719
<v SPEAKER_00>Um, and so that is a core component of our culture, is like we want to love our members really, really well.

01:06:38.880 --> 01:06:42.159
<v SPEAKER_00>We're up 300% this year versus last year.

01:06:42.320 --> 01:06:42.719
<v SPEAKER_00>Wow.

01:06:43.039 --> 01:06:48.480
<v SPEAKER_00>And what I say, and most of those new customers came from our existing customers.

01:06:48.800 --> 01:06:56.960
<v SPEAKER_00>So I always, you know, people don't want business advice, but my business advice for you is love your customers really well because they're gonna love you back.

01:06:57.360 --> 01:07:03.039
<v SPEAKER_00>So most of our news customers are coming from our existing customers, yeah, which is the easiest marketing of all time, yeah.

01:07:03.119 --> 01:07:15.840
<v SPEAKER_00>Of course, and they're great members because friends of people who take care of themselves typically take care of themselves, they're gonna refer the right people, and so you've got a super strong crowd of people because it's just good people referring good people, referring good people, yeah.

01:07:15.920 --> 01:07:18.400
<v SPEAKER_00>And that's why we've been able to grow 300% over the last year.

01:07:18.559 --> 01:07:19.119
<v SPEAKER_01>Oh, yeah.

01:07:19.360 --> 01:07:25.920
<v SPEAKER_01>How does Gracie's story, because you kind of alluded to it there, how does Gracie's story shape the work you still do?

01:07:26.719 --> 01:07:42.320
<v SPEAKER_00>Yeah, I mean, I think it's um I honestly, I think it's there's been a softness to my personality that um was created or was maybe some of the rough edges were were were shaved off.

01:07:44.000 --> 01:07:45.119
<v SPEAKER_00>Yeah, I think the purpose.

01:07:45.199 --> 01:07:56.159
<v SPEAKER_00>I think there was a softness that came out of that versus probably a do it for the money, do it to get something big, do it to get the chip off your shoulder, do it because you want to hit the home run.

01:07:56.320 --> 01:08:01.280
<v SPEAKER_00>And this one's more like, I want to do it just because I want our members to feel loved.

01:08:01.440 --> 01:08:13.119
<v SPEAKER_00>I want to I want to do something missional that actually changes healthcare for for the better, and not just healthcare of the system, but like these individuals, these human beings who are members of our our community.

01:08:13.280 --> 01:08:15.519
<v SPEAKER_00>Like that's why I said when you said, What's your favorite part?

01:08:15.599 --> 01:08:21.039
<v SPEAKER_00>Is I love sending that little kid a rock climbing thing so that he can get back and adventure with his his dad.

01:08:21.199 --> 01:08:21.920
<v SPEAKER_01>Yeah, that's awesome.

01:08:22.079 --> 01:08:24.960
<v SPEAKER_00>That's what makes my day when I hear those stories.

01:08:25.119 --> 01:08:25.359
<v SPEAKER_01>Yeah.

01:08:25.520 --> 01:08:30.319
<v SPEAKER_01>Do you think you'd even be doing this without what happened to Gracie?

01:08:30.560 --> 01:08:30.960
<v SPEAKER_01>I doubt it.

01:08:31.039 --> 01:08:32.079
<v SPEAKER_01>Yeah, you doubt I doubt it.

01:08:32.159 --> 01:08:33.199
<v SPEAKER_01>What do you wonder what you'd be doing?

01:08:33.279 --> 01:08:34.479
<v SPEAKER_01>What do you think you'd be doing?

01:08:34.960 --> 01:08:35.680
<v SPEAKER_00>I don't know.

01:08:35.840 --> 01:08:37.439
<v SPEAKER_00>I know I'd be having a lot less fun.

01:08:37.600 --> 01:08:38.239
<v SPEAKER_01>Yeah.

01:08:38.960 --> 01:08:41.119
<v SPEAKER_00>Probably playing golf or fishing and stuff.

01:08:41.359 --> 01:08:42.159
<v SPEAKER_00>I just want to do it.

01:08:42.319 --> 01:08:47.439
<v SPEAKER_01>It's so much more fun and meaningful, you know, when there's purpose in what we do, right?

01:08:47.520 --> 01:08:48.479
<v SPEAKER_01>And called to it.

01:08:48.560 --> 01:08:54.079
<v SPEAKER_01>Now, obviously, we both feel that, you know, that's the whole pain to purpose, you know, sure thing, right?

01:08:54.239 --> 01:09:03.199
<v SPEAKER_01>And I loved right from the very beginning when you said, Man, I got this big check, you know, showed up in my bank account, and it was like it wasn't the feeling you expected.

01:09:03.359 --> 01:09:05.840
<v SPEAKER_01>And I can't tell you how many times I hear that, right?

01:09:05.920 --> 01:09:14.640
<v SPEAKER_01>So yeah, because I I think that many people are still working towards that, like they're that's gonna set them free when they build this and have the it doesn't, folks, right?

01:09:14.800 --> 01:09:15.840
<v SPEAKER_01>It's no, yeah.

01:09:15.920 --> 01:09:21.039
<v SPEAKER_01>So what pains are in our life that God is trying to wake us up into a new purpose?

01:09:21.279 --> 01:09:22.960
<v SPEAKER_01>That's the question I have for you all.

01:09:23.199 --> 01:09:23.680
<v SPEAKER_00>Yeah, yeah.

01:09:23.920 --> 01:09:30.000
<v SPEAKER_00>Well, I mean, one of my favorite places in the world, and I think you know, ultimately after Crowd Health, I will do do mission work is Africa.

01:09:30.079 --> 01:09:32.079
<v SPEAKER_00>Like Africa is one of those been there three times.

01:09:32.159 --> 01:09:33.520
<v SPEAKER_00>Yeah, I've been there eight times.

01:09:33.680 --> 01:09:36.000
<v SPEAKER_00>Um, it's it's one of my favorite places in the world.

01:09:36.239 --> 01:09:45.840
<v SPEAKER_00>And and we were actually talking about this with my my wife and my girls last night of just the joy that some of these people have that you meet there, yeah, even though they have nothing.

01:09:46.079 --> 01:09:55.600
<v SPEAKER_00>Like they are living in 10 huts and they don't rely upon cars or houses or bank accounts or any of these things for for joy.

01:09:55.760 --> 01:10:22.800
<v SPEAKER_00>They have this innate joy that they really have to lean on on God for all of their needs, and so there's a faithfulness there and just a joy that I'm like, I remember seeing this little girl the two or three times ago just running up with the biggest smile on her face, and she just ran out of a shack where they have to eat, sleep, poop, and pee in the same place, and she's got this joy about her, and you're like, Where is that coming from?

01:10:22.960 --> 01:10:33.840
<v SPEAKER_00>Yeah, right, yeah, and you know, it makes you rethink all the things in life, and that's why I think the big bank account was like yeah, we have to go to Cabo, and that's it's uh it's it's fun.

01:10:34.000 --> 01:10:35.520
<v SPEAKER_00>My life in Cabo is a blast, yeah.

01:10:35.760 --> 01:10:36.079
<v SPEAKER_00>No doubt.

01:10:36.239 --> 01:10:37.039
<v SPEAKER_00>I love Cabo too.

01:10:37.119 --> 01:10:40.880
<v SPEAKER_00>Yeah, so I'm not downplaying that, but I do think there's some joy that comes out of the city.

01:10:41.039 --> 01:10:45.199
<v SPEAKER_01>Yeah, but it's not I mean you know money can bring us things, fun things, right?

01:10:45.279 --> 01:10:53.359
<v SPEAKER_01>There's fun in it, but it doesn't, it there's a difference of having fun than fulfillment and purpose.

01:10:53.760 --> 01:10:56.239
<v SPEAKER_01>You can have all the fun you want and not be fulfilled.

01:10:56.399 --> 01:10:56.560
<v SPEAKER_01>Sure.

01:10:56.640 --> 01:11:02.399
<v SPEAKER_01>As a matter of fact, it gets even harder to have fun when you're not fulfilled, right?

01:11:02.560 --> 01:11:08.479
<v SPEAKER_01>So yeah, money can buy like what appears and looks like fun, but if you're not fulfilled, I don't know.

01:11:08.720 --> 01:11:10.079
<v SPEAKER_00>Yeah, it's kind of happiness versus joy.

01:11:10.239 --> 01:11:10.960
<v SPEAKER_01>Yeah, exactly.

01:11:11.199 --> 01:11:11.359
<v SPEAKER_00>Right.

01:11:11.520 --> 01:11:14.720
<v SPEAKER_00>Money, money can find you temporary happiness, but it's not gonna be long-term joy.

01:11:15.039 --> 01:11:15.680
<v SPEAKER_01>Absolutely.

01:11:15.840 --> 01:11:22.880
<v SPEAKER_01>All right, look to the people there, tell them, you know, why they should do this, and then it remind them where to go.

01:11:23.439 --> 01:11:34.159
<v SPEAKER_00>Yeah, you know, look, if you want to join us in and what I say is burn down this this system, um, I think is worthy of being burned down because it's burning so many different people.

01:11:34.399 --> 01:11:35.359
<v SPEAKER_00>Join us on this mission.

01:11:35.680 --> 01:11:37.520
<v SPEAKER_00>Um, we'd love for you to join us on the mission.

01:11:37.600 --> 01:11:41.520
<v SPEAKER_00>The only way that we change things is for you to vote with your your wallet.

01:11:41.760 --> 01:11:44.399
<v SPEAKER_00>Um, so come and vote against this system.

01:11:44.640 --> 01:11:45.119
<v SPEAKER_00>Join us.

01:11:45.279 --> 01:11:47.039
<v SPEAKER_00>I promise you we'll take good care of you.

01:11:47.199 --> 01:11:50.000
<v SPEAKER_00>Join crowdhealth.com is is the website.

01:11:50.079 --> 01:11:54.560
<v SPEAKER_00>Um, join crowd health on all our social media platforms if you want to get to know us a little bit better.

01:11:54.720 --> 01:12:01.760
<v SPEAKER_00>There's an opportunity to meet with a member advisor if you have any questions because this system's a little bit funky, especially when it's a little bit different from health insurance.

01:12:01.920 --> 01:12:04.399
<v SPEAKER_00>But yeah, we'd love for you to join us and be a part of the crowd.

01:12:04.560 --> 01:12:05.840
<v SPEAKER_01>Yeah, that was awesome, man.

01:12:05.920 --> 01:12:06.239
<v SPEAKER_01>Yeah.

01:12:06.479 --> 01:12:08.960
<v SPEAKER_01>Join with your dollar or vote with your dollars, right?

01:12:09.039 --> 01:12:10.479
<v SPEAKER_01>Yeah, and you should join to do that.

01:12:10.560 --> 01:12:12.560
<v SPEAKER_01>But yeah, well, look, the Dr.

01:12:12.640 --> 01:12:14.239
<v SPEAKER_01>Pompa podcast, right?

01:12:14.399 --> 01:12:15.600
<v SPEAKER_01>You're a disruptor, man.

01:12:15.680 --> 01:12:16.319
<v SPEAKER_01>I really appreciate that.

01:12:16.479 --> 01:12:16.880
<v SPEAKER_01>Thanks, brother.

01:12:16.960 --> 01:12:17.359
<v SPEAKER_01>I appreciate it.

01:12:17.439 --> 01:12:19.039
<v SPEAKER_01>Yeah, but from pain to purpose.

01:12:19.279 --> 01:12:21.840
<v SPEAKER_01>And again, challenge you already, right?

01:12:22.000 --> 01:12:24.239
<v SPEAKER_01>Look into the areas of pain.

01:12:24.479 --> 01:12:29.359
<v SPEAKER_01>Maybe God is working on you right there to open up a new purpose, right?

01:12:29.439 --> 01:12:34.800
<v SPEAKER_01>And that's why I love these stories because you opened even me up to like, what more can I be doing?

01:12:34.880 --> 01:12:34.960
<v SPEAKER_01>Yeah.

01:12:35.119 --> 01:12:36.239
<v SPEAKER_01>And I'm sure them as well.

01:12:36.319 --> 01:12:38.399
<v SPEAKER_01>So thanks for joining us on Pompa Podcast.

01:12:38.560 --> 01:12:39.199
<v SPEAKER_00>Thanks, man.

01:12:39.359 --> 01:12:39.680
<v SPEAKER_00>Thanks.

01:12:39.840 --> 01:12:40.399
<v SPEAKER_00>Yeah.