Bannon's War Room - WarRoom Battleground EP 1026： Keeping America Healthy With America's Health Share WarRoom Battleground EP 1026： Keeping America Healthy With America's Health Share

00:00:00.000 this is the primal scream of a dying regime pray for our enemies because we're going medieval on

00:00:11.180 these people here's not got a free shot all these networks lying about the people the people have

00:00:17.780 had a belly full of it i know you don't like hearing that i know you try to do everything

00:00:21.540 the world to stop that but you're not going to stop it it's going to happen and where do people

00:00:25.120 like that go to share the big line? MAGA Media. I wish in my soul, I wish that any of these people

00:00:32.940 had a conscience. Ask yourself, what is my task and what is my purpose? If that answer

00:00:39.600 is to save my country, this country will be saved. War Room. Here's your host, Stephen K. Bann. 0.62

00:00:48.000 welcome you're in the war room uh i want to uh take time today and walk through kind of a

00:00:58.740 construct that's at least new to me but i think quite fascinating and we want to make sure

00:01:02.700 that is available to all the war and posse that uh that is so inclined so america health shares

00:01:10.020 is with us today david lejeune is the president and one of the co-founders david and we've got

00:01:15.800 Your chief medical officer, Dr. John Ertley, is with us also, and I want to get into what you guys provide.

00:01:22.560 But since this is a new construct and it kind of takes the place of, I guess, medical insurance, can you walk us through exactly what this is?

00:01:30.820 This whole concept, it's kind of come out of, I think, religious groups, or it's heretofore had a religious connotation that different religious groups have done it.

00:01:40.480 Can you walk us through exactly what this is, what this construct is?

00:01:44.400 Yes, absolutely. First, Steve, thank you for having us. Nice seeing you today.

00:01:50.600 So health sharing is a concept that first originated in the 1900s. It's not really new

00:01:55.820 in America. It goes by to the founding of America, where people get together to do things together,

00:02:01.840 giving the power and sovereignty to the people. It was not until the 1990s that formal models

00:02:08.180 became organized across the United States.

00:02:11.060 In fact, America's Elveshare is a program of an overarching ministry

00:02:15.300 called Melita Elvesharing, which started in 1977.

00:02:20.900 Back in 2016, we decided to scale up this model

00:02:24.080 and start serving Christian denominations,

00:02:27.840 Protestants, Catholics in particular.

00:02:29.640 So it's a model that has been there for a long time.

00:02:32.980 We decided, seeing the success of those programs,

00:02:37.220 to launch it and open it for all Americans back in 2025.

00:02:41.560 So that's where America HealthShare has become a program out of Melita Health Sharing Ministry.

00:02:49.300 So walk me through that.

00:02:51.120 Is that religious communities came together?

00:02:56.760 You're saying in the 1900s, not the 19th century, but the 1900s.

00:03:00.640 And it was to collectively pull your resources or people felt they could get better health care

00:03:06.300 doing some sort of community program versus going and getting traditional health insurance?

00:03:12.180 Yeah, so the concept is pretty simple.

00:03:14.120 People decided to put their resources together to be able to share their medical bills.

00:03:18.720 It started initially because people wanted to make sure the medical treatments they will receive

00:03:25.800 will meet their personal beliefs, specifically their religious beliefs.

00:03:30.520 That became very prominent at the beginning of the 21st century, where we saw a lot more, you know, woke medical health care providers pushing for abortion, for euthanasia, for a lot of things that Americans didn't want to contribute financially to.

00:03:51.620 so that that was the initial thing is that say hey if i give into these if i give money to these

00:03:58.220 health care systems they're supporting things i don't agree with euthanasia abortion other things

00:04:03.960 maybe later on vaccines i don't agree with exactly so how do we figure out how to bind together so

00:04:10.360 the original concept was what we would come together and pool our resources i mean how

00:04:14.820 how does it then if you if you have the initial spark to say we don't want to support a system

00:04:20.640 that is morally or ethically against what we believe,

00:04:24.200 we want to do it ourselves, that's a huge leap right there.

00:04:28.640 But then the practicality of actually doing it,

00:04:31.300 then how do you take that community sense of we just want to do this together

00:04:35.420 on our values and our belief?

00:04:37.960 How do you actually structure it so that it can actually be something

00:04:40.460 that could give you the same coverage or can compete with health insurance

00:04:45.740 and where you wouldn't have a gap in getting the services that you required?

00:04:50.640 Yeah, it's a great question. In fact, initially, when health sharing started, it was very complicated. Because, you know, people will put money into a common fund, people will go meet a provider, a doctor, and that common fund will send money, a lot of little checks to that specific member, and that member will aggregate those checks and send it to a provider to pay for them.

00:05:13.000 A lot of things have evolved. In our specific case at America's Elfshare, it's pretty simple.

00:05:18.100 You go online, you join as a member, you open an account, you give us some information about your family,

00:05:24.700 how large is your family, if you're a family, or your date of birth, if you're single,

00:05:28.320 and then you open what we call a virtual sharing account.

00:05:32.340 What does that mean? That on the behalf of the member, we open a bank account,

00:05:36.460 where the funds are FDIC secured.

00:05:41.180 And every time you make, as a member,

00:05:43.360 you make a monthly contribution amount,

00:05:45.040 your monthly contribution amount,

00:05:46.680 we call that an MCA,

00:05:48.000 goes into that individual bank account.

00:05:50.740 So we have thousands of members

00:05:52.360 and we manage thousands of bank accounts.

00:05:55.140 So bank accounts under the name of the member,

00:05:57.720 but they are not managed by the members.

00:05:59.520 They are managed by us.

00:06:00.660 When a member goes to meet a provider,

00:06:03.380 we take a small amount of money

00:06:05.360 from that bank account

00:06:06.360 across all the bank accounts.

00:06:08.540 We put them in another bank account

00:06:09.940 and we send that money to pay the provider.

00:06:12.800 So the process has been streamlined

00:06:14.880 in terms of how the money is connected

00:06:17.240 and the money is grouped together

00:06:20.020 to be able to satisfy the medical needs

00:06:22.980 of all the members.

00:06:25.840 So how do you, how does a member,

00:06:29.900 you know, if you're relatively healthy

00:06:32.500 and you're putting money in,

00:06:34.340 I take it you feel like you're helping the community

00:06:36.200 because you're going to be going to the doctor less

00:06:38.140 and that joint bank account across

00:06:40.020 or taking a piece out of everyone,

00:06:42.240 you're taking less out of yours.

00:06:44.160 And if somebody's quite ill or their family's quite ill

00:06:46.600 or they don't take care of themselves,

00:06:49.120 they draw it more.

00:06:50.200 I mean, how do you get that balance

00:06:52.620 where it's my bank account,

00:06:54.360 I understand that as people go to the doctors,

00:06:57.060 you're going to take a little bit out of everybody.

00:06:59.120 But how do you get that balance

00:07:00.500 where what I'm putting in,

00:07:02.660 I'm making sure that it's always there for me

00:07:04.680 and that I've always got coverage.

00:07:07.160 So what is beautiful is that it's not just what you're putting there.

00:07:10.380 It's only there for you because you may be only paying $200 or $68 if you're a youngster or $900 if you're like me with a family of eight people.

00:07:19.020 That's 10 people suddenly costing me less than $1,000 to get a fantastic, fundamentally comprehensive access to healthcare in America.

00:07:28.300 You benefit from the money from all the members.

00:07:31.620 But I would say, you know, the number one trick fundamentally is our capacity to negotiate and reprice medical bills coming from providers.

00:07:40.620 And I would say, you know, we are in a system where healthcare is broken, where there is a lot of price gouging, where you receive, you know, medical bills that are over 400% over what Medicare is.

00:07:53.840 And we have a track record of repricing, negotiating down all of those overpriced medical services by an average 62% month to month.

00:08:05.420 So not only you access to a larger pot of money because it's a large volume of members, but the most important part is the repricing of those extremely expensive and not fair medical bills that members or individual, you know, I would say clients of health insurance are paying for their co-pay, which is not the case with our members.

00:08:28.720 Tommy, just give it a specific example. How does that work in practicality? What does the

00:08:36.020 negotiation do? You pick whatever you want to pick, but how do you use that so that people

00:08:42.080 understand it? Yeah. So you become a member. Unfortunately, you have to go to the emergency

00:08:48.300 room, to the ER. You're going to go there and you're going to show your membership ID card.

00:08:53.220 I don't know if people can see it here on screen, but it looks very, very similar to

00:08:57.700 you know, the alternative out there, like insurance carriers. So you show your membership ID card,

00:09:03.200 and then you will be entered in the system. And most of the time, the hospital, the ER will send

00:09:08.920 the medical bill or bills, as you know, unfortunately, they send multiple bills,

00:09:14.220 they will send them directly to us via an electronic process, or via a mailing process.

00:09:20.300 Then that medical bill is reviewed by our pricing team. And they compare that to what is the

00:09:26.480 standard based on its clinical code vis-à-vis Medicare. So each bill has a line item. You have

00:09:33.540 a line item for syringes. You have a line item for paying for the bed in the hospital. And we

00:09:38.920 look at what is the standard defined by Medicare, and we see how much over Medicare that is being

00:09:44.280 charged. And then we negotiate with them to push it down. And we negotiate with them based on,

00:09:50.200 again, the fairness of Medicare, if it is. We also negotiate it with them because we have

00:09:56.080 critical mass and often we have we have we have relationship with them already

00:10:00.640 bottom line they often agree to lower that price and we push that down to our members our members

00:10:07.360 only pay what we have been able to reprice with the providers so we take care of that through

00:10:13.760 what we call our care navigation team where we send members to the base place we're going to

00:10:18.980 know about the cost most of the time most of the time before the member has to go for medical

00:10:24.160 procedure or see a provider. And then our repricing team is in touch with those providers

00:10:29.800 to negotiate. It's a hard job to negotiate clinical code, line item per line item on a

00:10:35.560 specific medical bill. A specific example, which is pretty high, but I think it explains also why

00:10:42.920 health sharing is working and why people should not be concerned, even if it's not insurance.

00:10:47.760 A couple of years ago, we had a case with a child who had heart defect at birth, multiple surgeries and hospitalization.

00:10:58.160 Believe it or not, that single incident generated a medical cost of over $3 million.

00:11:06.700 $3 million, which included 618 medical bills received.

00:11:12.040 Again, the sum of those 618 medical bills received amounted for over $3 million.

00:11:19.400 We were able to reprice it to $282,000.

00:11:26.120 That's a 91.50 reprice savings for the members, for the family.

00:11:31.540 Again, we do not always reprice by 90%, but in average, month to month, we have between 60 and 62%.

00:11:38.980 Hold on, you were able to negotiate down the $3 million.

00:11:42.020 Hang on, I just want to make sure.

00:11:44.560 The $3 million bill for the 618 different billing requirements for this baby or youth,

00:11:54.980 you guys are able to negotiate the $3 million down to $282,000?

00:11:59.380 Yeah, exactly, exactly.

00:12:02.060 And that was for an initial two months of emergency, hospitalization, surgery, air vac.

00:12:09.920 why do people why are these groups prepared to reprice it do you guys have that much muscle i

00:12:19.480 mean why would they why would somebody that has three million dollars out there for bills in this

00:12:24.900 kind of emergency situation why would they be even open to having you guys uh come to them and

00:12:31.580 negotiate a repricing what's this whole mechanism of repricing wouldn't they just say hey look

00:12:36.620 that's what it costs, screw you, pay it,

00:12:38.820 or we'll never provide these services again to your members?

00:12:42.120 Well, you made a good point.

00:12:43.220 You just tell it by saying that's what it costs you.

00:12:45.480 Well, I would say, you know, demonstrate that it costs you that.

00:12:49.200 You know, at the end of the day, demonstrate that that's a cost.

00:12:52.580 And in fact, it is not their cost.

00:12:54.360 And in fact, you know, a big part of that, believe it or not,

00:12:56.900 there is a lot of errors, a lot of mistakes.

00:13:00.560 They cannot justify when you start digging in.

00:13:02.840 But put yourself in the shoes of a single member.

00:13:05.900 You know, you're not a member.

00:13:07.560 You go directly with health insurance.

00:13:09.260 You have to pay your co-pay.

00:13:10.920 And how are you going to deal with 682 bills?

00:13:14.360 You just do not know and you do not have the manpower to be able to go through that complexity of a broken system to be able to know how much you should really pay and be able to negotiate.

00:13:26.580 And by the way, when you have 682 bills, often you're not just negotiating with one entity.

00:13:32.600 You're not just negotiating with the hospital.

00:13:34.540 the hospital will tell you

00:13:35.960 oh you know what

00:13:36.540 they are VAX

00:13:37.160 that's a different company

00:13:38.080 I know

00:13:39.200 you know

00:13:40.160 if you go for a colonoscopy

00:13:41.480 you know

00:13:42.180 they will tell you

00:13:42.880 you know

00:13:43.200 oh you know what

00:13:43.840 that side of the procedure

00:13:45.840 is not about us

00:13:46.980 it's another vendor

00:13:47.780 they send you

00:13:48.400 into multiple directions

00:13:49.420 that's why we have

00:13:50.280 a team to do it

00:13:51.080 so you know

00:13:51.860 are they willing to do it

00:13:52.800 no

00:13:53.100 can they justify

00:13:54.820 pushing the prize

00:13:56.000 they announced initially

00:13:56.880 no they can't

00:13:57.840 and at the end of the day

00:13:59.220 they don't want that

00:14:00.640 to be too public

00:14:01.400 so at some point

00:14:03.480 they cave

00:14:04.540 Dr. John Ertly, let me get you into the conversation.

00:14:12.940 The health-sharing concept that was just explained to us, I want to ask why is it thriving?

00:14:20.020 But it sounds like a throwback to something that, you know, the Pilgrims had the Mayflower Compact.

00:14:28.440 And oh, by the way, we signed a thing where we do a medical sharing thing too.

00:14:31.600 This doesn't sound like it's from the 1900s.

00:14:33.920 This sounds like it's from the 17th century.

00:14:37.400 How could possibly something that is, sounds on one hand, so common sense, but harkens

00:14:43.420 back to an America that had a stronger communal sense, right?

00:14:48.020 Like the pilgrims coming off the Mayflower.

00:14:51.100 Why would that be thriving today, sir?

00:14:54.400 Yeah, well, you know what?

00:14:55.460 I mean, we've seen that healthcare sharing, one, it works, but people are thriving because

00:15:00.100 we're actually, Americans are taking back their healthcare.

00:15:02.880 You know, this is where, you know, ever since Obamacare was established, it was designed to make insurance companies rich.

00:15:12.700 It's designed exactly the way it needs to work.

00:15:15.800 You know, we see that insurance companies' stocks have increased 1,700% since the start of Obamacare.

00:15:26.240 Hang on. Take a second. I want to go back here, Rewind. Be specific.

00:15:32.100 Obamacare, he was the most progressive president supposedly in history.

00:15:36.180 Every night, because I remember Andrew Breitbart and ourselves were in the middle of this fight.

00:15:40.560 And quite frankly, as you guys know, this is not exactly my line of country, but we were there for the demonstrations.

00:15:47.300 We were there when Michelle Bachman led the march out against Nancy Pelosi on Capitol Hill.

00:15:52.460 I mean, this is one of the most dramatic throwdowns.

00:15:55.200 This situation of Obamacare engulfed the nation for at least one year.

00:15:59.340 And it was all proposed that, hey, this is the greatest progressive thing. This is one stop away from Medicare for all, all of it. I remember Ken Burns being there one night on TV and just going on and on and on about how Obamacare was the greatest, most progressive law that was ever passed. What do you mean that Obamacare was primarily set up to make the insurance companies wealthy?

00:16:24.040 So if you look at their shareholders, they have increased 1,700% since the inception of Obamacare. They have beat out the S&P 500. If we all invested into the BUCAs, the Blue Cross Blue Shields, Aetna's, Uniteds, we would all be doing very well, better than S&P 500.

00:16:46.860 So when I look at this, when we talk about this, there is zero transparency happening. And we see this on big insurance, big pharma, and big hospital. So when we talk about the repricing that we're doing, and these exorbitant costs happening, it's because there's lack of transparency, people do not know what medical cost actually, the real cost of medical care.

00:17:13.340 And when you start actually opening that and you utilize this is not just your health care from the 1700s. Yes, it's the it is the communal aspect of Americans coming over on the Mayflower saying we're going to do this and we're going to take charge and we're going to actually provide the health care that we're going to be able to look to do.

00:17:29.680 And we're going to fight this injustice. But this is where when you look at these costs, they they're unsustainable. You know, America is spending more. We're almost close to 20 percent of our GDP is spent on health care because we're spending it on a lack of transparency on big insurance, big health care and big, big pharma.

00:17:51.080 And so when you start to open up this world of transparency and use data and actually members gathering together to be able to share one another's medical expenses, and we do it through a transparent process, Steve, this is where we take that grit from 100 years ago, and we are able to actually transform it.

00:18:11.880 And so you wonder why people are coming back because we actually have affordable prices now in our actual monthly contribution.

00:18:20.000 So instead of paying an arm and a leg for your premiums, we're saving members on average roughly around $1,800 a month on their actual health care cost because we're doing it in a transparent way and we're fighting for the good of Americans.

00:18:35.220 Yes. Okay, break that down for me. You say, because people are saying now that with what they're having to pay, they got to make a decision between this or eating or between this or making their mortgage. So it's no longer sustainable. But then how is your solution? How's American health, American health shares? How is your solution specifically, on average, save people $1,800 a month?

00:19:00.640 because on average, we're getting a 62% reduction of medical cost that is reduced from repricing.

00:19:11.140 So when we have an exorbitant price coming in at the hospital, as David Lejeune was just discussing,

00:19:17.240 we're repricing that. And our data shows that we get a 62% discounted pricing,

00:19:24.040 which saves our members $1,800 a month on average. Now, what's also, what we do that

00:19:31.200 with the providers that are billing very exorbitantly, but we also have relationships

00:19:37.560 with doctors and providers across the country who are doing really amazing work to try to fight this

00:19:45.400 battle as well. You know, this is where, and we have relationships with these providers

00:19:49.860 that are already billing in a fair and just way.

00:19:54.200 And then we're working directly with those.

00:19:56.260 So we have a process even to be able to,

00:19:58.360 when members come in and they're asking,

00:20:00.800 where are these providers that are providing

00:20:03.240 great outcome-based care at good prices that are fair?

00:20:07.760 We actually have a whole team devoted

00:20:10.160 to be able to actually direct our members

00:20:13.700 to those actual providers.

00:20:15.940 I'll give an example.

00:20:16.640 We had a member who was needing a nasal polyp removal

00:20:19.700 surgery, the provider was charging $96,000. I said, this is not okay. This is exorbitant.

00:20:28.620 Now, if you were to just negotiate, and I've asked some hedge fund managers the same question,

00:20:33.400 what do you think would be a good discount? Would it be 50% discount? And many people will agree

00:20:39.320 that if they get a 50% discount of that price, they would say, yeah, I think that's good. But

00:20:44.240 if you don't know the cost of that procedure, you actually don't have any idea. We actually

00:20:50.660 were able to get to the same procedure, but a different provider and a different hospital.

00:20:57.080 And that whole cost of that procedure was $6,000, a total savings of $90,000. Patient had a great

00:21:05.820 experience with the provider that the $6,000 procedure was performed at, had a great outcome.

00:21:13.080 but this is where with when you don't know it's like I like to explain it's like going to a

00:21:18.440 convenience store and buying a stick of gum and the convenience store is billing you three weeks

00:21:23.780 after you buy it and it charges you two hundred dollars for a stick of gum well we all think that

00:21:29.480 this is crazy we know what the cost of a stick of gum is you can go on Amazon you can go to a

00:21:33.620 convenience store see the competitors but if you don't know what the stick of gum costs then again

00:21:39.020 you're left in this balance of saying, I have no idea. Maybe 50% is a good price of a cost

00:21:45.960 reduction. I just don't know. And so this is where when you actually have a firm footing to

00:21:50.660 stand on and you know the data and you know what procedures should be, what you should charge for

00:21:56.420 a procedure, you can then call these providers out to be able to actually have a reduction in cost.

00:22:02.580 And so that's where you're able to actually, we don't just pocket that cost. We don't just profit

00:22:06.540 off of that cost, we push it back onto our members to be able to give the members a great

00:22:11.740 savings so that they can get great health care at a reasonable cost, if that makes sense.

00:22:17.940 It makes sense, but is it equivalent, like the 96,000, was that done in like the Mayo Clinic

00:22:24.580 and the 6,000 is done somewhere in some backwoods clinic? I mean, it can't compare in quality,

00:22:31.580 candidate. I mean, you can't possibly, somebody charged $90,000 more for the same exact service.

00:22:38.780 Do you take a hit in quality that you pass on? Do you at least notify the member that,

00:22:44.600 hey, look, you're not going to the Mayo Clinic for this, but this guy's qualified. It may not

00:22:49.240 be at a prestigious location, but you're not paying for their rent, sir?

00:22:55.380 Steve, no, it actually is a misnomer. You would think that quality follows the actual price.

00:23:00.140 it actually doesn't. And so this was not Mayo Clinic that was charging $96,000.

00:23:05.360 This was a standard hospital system that was charging $96,000. And what you actually find is

00:23:12.740 that when you actually look at these different options, we did perform this $6,000 procedure

00:23:19.960 at what's called an ambulatory surgical center. Many times these ambulatory surgical centers are

00:23:25.340 actually owned by doctors because they've seen the issues that go on with big hospital and they're

00:23:30.580 coming together. And you actually look at some of the data with even ambulatory surgical centers

00:23:34.980 and you see that they're able to perform great surgeries at a reduced cost. And then they're

00:23:40.920 also able to have, because there's an entrepreneurship and an ownership mentality

00:23:47.580 of the group, you actually see that they have cleaner operating rooms and you actually see

00:23:53.040 less reinfection rates, which means it drops the cost overall down anyways, and they get a better

00:23:58.500 customer experience because you're actually have pride in the work you're doing. This is this

00:24:03.400 entrepreneurial spirit that I want to serve those members or serve those groups that are coming in

00:24:09.700 providing better healthcare at a reasonable cost. And they're not charging, you know, 1800% over

00:24:15.980 medicare does america health shares i want to stick with the 96 000 is the member and active

00:24:23.520 participant with you and you're you're coming back and saying hey look it's 96 000 we've got

00:24:28.560 an option that's 6 000 here's the backup of it and information so people feel comfortable hey i

00:24:34.160 know what the switch off is and i'm comfortable that i'm not going to some backwoods uh place

00:24:39.780 but these are actually something i i feel comfortable with and i can sign up for yes

00:24:44.280 That's very important. So that's an active process that when a member is actually calling

00:24:48.540 and engaging with us, we are actively engaging with that member. We're actually having similar

00:24:52.940 conversation about the discrepancies in price gouging that's happening in healthcare and the

00:24:57.940 ability of keeping all members' monthly costs at a reasonable cost and the importance and value of

00:25:05.140 going and trying this provider. And it is, it's a second opinion that's going to happen, right?

00:25:10.080 So there's this, we're not forcing that member to be able to go to that provider, and yet it's an open and engaged discussion to be able to say, I think this is an important next step to be able to seek a second opinion.

00:25:25.220 Now, if that member wants to go and receive the $96,000 procedure, well, then we're going to reprice that as well.

00:25:34.200 So we're going to still reprice it, but it's an easier process, usually a better patient experience to be able to just go if they appreciate the provider, and many times they do, and have a great experience with that provider.

00:25:46.060 Because like I said, you're actually having ethical providers that are actually billing appropriately, and then you're having a better experience.

00:25:53.520 And there's a lot of entrepreneurship usually in these ambulatory surgical centers.

00:25:57.980 They actually get a better experience at a lower cost.

00:26:03.080 So that's the experience that we have.

00:26:04.640 But a member is engaged in that process, and they're fully involved in that ability to be able to actually understand maybe what's happening.

00:26:11.820 And that's the discussion of being able to actually take that next step.

00:26:16.380 Doc, why don't you hang on for a second?

00:26:17.880 We're going to take a short commercial break.

00:26:19.460 I'm going to drill down on how America HealthShares can get these 62% reduction in cost, one of the reasons you want to be with them.

00:26:29.540 Okay, short commercial break.

00:26:30.500 We'll return to the world in just a moment.

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00:31:20.740 do it today go check it out war room here's your host steven k man

00:31:27.200 David Lejeune, president, are you a better negotiator than Donald Trump?

00:31:34.640 I think that Doc just told us, on average, I think you lessen the cost by 62% because of your quote-unquote repricing.

00:31:44.000 Is that an accurate figure?

00:31:47.620 It is an accurate figure.

00:31:49.220 In fact, as I was saying, America's HealthShare is a member of Melita HealthSharing Ministry, which has been in business for a long time.

00:31:56.560 And we have over 10 years of repricing data.

00:32:00.520 As part of our overall ministry, we have processed over $500 million of medical bills, right?

00:32:08.500 So we have a lot of data, a lot of different type of procedures across a lot of different zip code and communities where we know exactly how low can specific providers go to.

00:32:21.400 So to your question, I'm not a better negotiator than Mr. Trump and the president.

00:32:25.320 No, no. There has to be a reason why they're prepared. Explain to the audience one more time. I thought Obamacare, the pitch to the country to have everybody kind of go along with this or at least force the votes was that they were going to do this.

00:32:42.400 That actually by doing it the Obamacare way, you're going to lower cost by the providers. The insurance companies are going to do that. You're saying it did the exact opposite?

00:32:50.640 It did the exact opposite. In fact, also it did two things. Number one, it increased the cost

00:32:57.200 of health care for the vast majority of Americans who are still going through regular health

00:33:02.620 insurance providers. Number two, I don't know if you know that or your audience knows that,

00:33:07.720 for Obamacare, they removed the limit of $1 million per incident. In the past, a provider

00:33:14.600 could not charge more than $1 million per incident. That was removed. As soon as it was

00:33:18.960 removed, you saw bills for a million, two, two million, three million. I'm talking about the sum

00:33:23.860 of bills for one specific incident, like cancer, for example. So, you know, in fact, reducing the

00:33:31.140 cost for some, it opened a jungle. It broke the system even more by allowing, you know,

00:33:38.200 health insurance and providers to fundamentally charge whatever they want to do what? To recoup.

00:33:43.900 As Dr. John was saying, to increase their profits, but also to recoup, but they were giving with the right hand, they took away with the left hand.

00:33:55.460 I noticed that you guys have increased in kind of your scale and your activities since Obamacare.

00:34:01.500 Was that one of the big drivers that eventually when you saw Obamacare passed, you said, hey, we provide an alternative.

00:34:07.820 And when people understand this alternative, we will actually grow and thrive better than the medical insurance industry?

00:34:16.560 Yes, but, you know, I think it's a big part of it, affordability.

00:34:21.480 But in addition, you also have comprehensiveness of health care.

00:34:26.180 With America's health share, there is no concept of network.

00:34:29.700 You go wherever you want.

00:34:32.080 If your family doctor says you need an MRI, we're going to share it with the MRI.

00:34:37.160 Most insurance providers will say,

00:34:38.800 ah, you don't need an MRI.

00:34:40.700 First do an x-ray.

00:34:41.960 Who are they?

00:34:43.600 Did they meet with you in person?

00:34:45.360 No, they did not.

00:34:46.520 They just look at the bottom line

00:34:47.680 and what they want to do is they will say,

00:34:49.020 get an x-ray.

00:34:49.980 Why do you manage an MRI now?

00:34:51.540 Not six months down the road.

00:34:53.860 So you're going to get an MRI with them at some point,

00:34:56.280 but you're going to go for an x-ray first.

00:34:58.600 You're going to spend more money.

00:34:59.700 We say, let's go to root cause medicine.

00:35:03.040 Let's provide the best medical care we can

00:35:05.180 to the people when they need it now

00:35:07.380 or with the best providers.

00:35:09.140 And at the end, in addition to repricing,

00:35:11.620 because you save time

00:35:12.960 and you save on the number of transactions,

00:35:15.680 you save money.

00:35:16.920 So it's about affordability.

00:35:18.780 It's about comprehensiveness.

00:35:20.760 And last, it's about your personal value as an American.

00:35:24.360 You may not want to pay more.

00:35:26.760 And by the way, what you pay more

00:35:28.240 goes to fund things you do not believe in,

00:35:30.820 like abortion, like utanasia.

00:35:32.660 And a lot of other topics we are aware about when it comes, you know, to the transgender agenda.

00:35:39.640 Doc, do you also, I mean, one of the issues about Obamacare and just the nation, the nation is, you know, we're a big Make America Healthy Again platform.

00:35:49.700 We believe in Bobby Kennedy, what he's trying to do.

00:35:51.480 We were at the tip of the spear and trying to end his confirmation hearing.

00:35:54.720 We're very close to Tony Lyons and all the guys over at Make America Healthy Again, all the super PACs, et cetera.

00:36:01.820 This whole concept is that we spend 20 percent of our GDP is spent on, quote unquote, health care, but we get more unhealthy every year.

00:36:10.580 We're an unhealthy nation now. How does America health? So how do you guys deal with that?

00:36:15.520 Do you talk about alternative therapies? Are you looking to get people healthy?

00:36:19.480 Walk us through how do you guys get involved in that conversation?

00:36:24.080 Yeah, we've been practicing Maha health care. Well, even before Maha was a term.

00:36:29.360 And really this whole idea behind root cause comprehensiveness within the actual healthcare system. I've grown up as a doc practicing this root causative medicine and actually looking at, I still wonder why if you go to an oncologist, why are they not actually running an environmental toxicology screen, being able to actually evaluate where did the cancer come from?

00:36:54.220 You can get the tumor removed, but why do we not actually look at the glyphosate or the herbicides or the pesticides that are known carcinogens that could be an exposure while you're playing golf at an actual golf course?

00:37:07.420 Why are we not actually looking at this that can be identified?

00:37:10.940 With Americas, we actually are, that is eligible for sharing so that we're able to actually look at those root causes or that comprehensiveness.

00:37:20.180 You know, we share into peptides.

00:37:22.400 You know, RFK and Bobby is doing some amazing things when it comes to peptides and the ability

00:37:28.020 of actually opening up that bandwidth for peptides coming into July.

00:37:32.360 And so this is where we share into peptides already.

00:37:35.080 This ability of being able to not just go on that immunosuppressive medication for your

00:37:39.180 rheumatoid arthritis, but being able to go on a peptide that's able to actually reduce

00:37:43.760 that inflammation and it's a natural process.

00:37:46.060 And with doctors that are across the country that are well-trained in this.

00:37:50.260 Give the other example.

00:37:51.240 If you have a procedure that you need on your hip or your knee as a result of damage to your meniscal tear, we have instead of actually going to just a generic orthopedic surgery that could cost $25,000, which is actually a good price.

00:38:07.860 That's a good price for an orthopedic surgery on the knee, and I would take that price each day and every day instead of $125,000 that some offices bill for.

00:38:17.560 But one of the things we do is you can actually get stem cells.

00:38:20.880 One of the things we have providers nationwide that are offering regenerative medicine, stem cells where they can take fat out of the body, spin it down and process that actual stem cell coming from your own body and then inject it into the knee and help that meniscal tail tear heal.

00:38:36.500 I've seen some miraculous stories when it comes to this regenerative medicine.

00:38:40.240 But what's beautiful about that is that now you get a regeneration of your tissue.

00:38:44.620 And at the same time, it's a fraction of the cost.

00:38:46.420 You're talking $2,000 with actual regeneration, less time off work, less recovery.

00:38:52.640 Your actual body is doing the work.

00:38:54.580 And then you're actually having a more reasonable cost with better outcome care.

00:38:59.680 So these opportunities are available all over.

00:39:02.540 And we've actually identified these with America as being able to say,

00:39:05.680 where are these opportunities? And it's right in line with what Bobby Kennedy and the actual

00:39:10.620 the Make America Healthy Again movement is doing with Tony and the work to be able to say,

00:39:15.740 where can we find these opportunities to be able to reduce costs, but also improve outcomes within

00:39:20.780 the actual American people? You mentioned vaccines earlier. This is another thing.

00:39:26.380 We don't share into vaccines. Actually, vaccines are causing a lot of harm. So we actually don't

00:39:31.500 share into vaccines. But if a member wants to get a vaccine and still does, they can, but they're

00:39:38.240 going to pay their cash price for it. We don't actually share into that. It's not included in

00:39:42.380 our programs. It's really a real reason. The other thing, though, is that if that member does get a

00:39:47.380 vaccine injury and we know more and more people, it's the unfortunate truth that I've seen more

00:39:53.240 and more people as a doc that have had vaccine injuries. You ask a group of people, are they

00:39:58.900 vaccine injured. And at least at a group of 10, at least one person will raise their hand or a

00:40:04.780 loved one that has been vaccine injured. We actually share into these vaccine injuries

00:40:09.480 with these functional medicine and evaluating how do you actually return maybe methylation scores

00:40:16.520 and things like this to be able to actually help support our Americans who are genuinely hurt.

00:40:22.440 We actually run a lot of wellness as well. So wellness is a big part. You want, you know,

00:40:28.020 you want to be able to make sure that you're running your screening. We give, you know,

00:40:32.540 if you're 45 and older, colonoscopies, they're zero out of pocket cost for a colonoscopy because

00:40:38.180 that actual price in screening and prevention and wellness will pay dividends for the whole

00:40:44.520 entire membership later on because we want to make sure that we're catching that cancer early.

00:40:49.900 And so this is where we stay on top of these trends as far as health and wellness and making

00:40:55.560 sure that we're able to actually catch disease before it begins. So all of these play a role

00:40:59.780 as well in this ecosystem of being able to have better outcomes at a more affordable cost.

00:41:05.680 David just said about the comprehensive nature. I just want to make sure when people come to you,

00:41:09.700 your chief medical officer, do they keep their own doctor? You said you're not in network. Just

00:41:14.360 walk me through the process of once I come in and let's say I'm intrigued and I can't afford

00:41:20.160 the insurance is killing me. I want to feed the family. I don't want to pay our mortgage.

00:41:25.040 So I need to find a way that I can still get medical coverage for the family, but I'm not paying exorbitant fees.

00:41:33.340 I come with you.

00:41:34.460 Walk me through the process.

00:41:35.440 Do I get to keep the doctor that I know?

00:41:37.720 Just take us to it.

00:41:39.740 Yeah, so you do keep the doctor that you know.

00:41:41.520 So as David said, it is a no-network organization.

00:41:45.920 There's no network, but we do have a community of providers.

00:41:48.800 And so really important as a member that's coming on in or a potential member, you're going to see your doc. And that could actually be a traditional family practice doctor. It could also be a naturopath. It could be a functional medicine doctor who's already working with you and your family. And we actually accept all of those.

00:42:07.400 We actually accept naturopathic medicine. We accept naturopathic doctors, the functional medicine testing.

00:42:14.100 We accept all of that. And this is where when you come, you can present your ID card, as David showed.

00:42:19.720 It's just like a traditional health insurance ID card.

00:42:23.940 And many times a provider is going to call us to be able to say, OK, are you an actual or do you take me?

00:42:32.080 And we actually have a whole team that's able to actually do your eligibility and discuss with that doctor that, yes, we do actually accept you and we accept your services as a part of our actual program.

00:42:45.080 And what we also do is that if a patient wants to be able to proactively look at that, we have a whole provider nomination form where it's a whole process of being able to say, even before you become a member, we give this to a member when they join.

00:42:59.160 Give us your providers and we will reach out to them to become a part of our community.

00:43:04.920 So we will actually get a direct agreement in place with those providers and be proactively working on actually getting a direct agreement in place to be able to make sure that your provider knows who we are and is ready and ready to be able to actually accept.

00:43:19.420 One of the things that one of the challenges that we've run into as well, that many times when you're discussing with a naturopath or a functional medicine doctor, they're actually not taking insurance because of the whole issues of not being able to actually get paid for the services they do.

00:43:34.660 And so one of the things that we've actually built our whole team around is educating these doctors offices to say, yes, we have an option and we have got a way to be able to actually actually pay for the services that you're doing because we know that they're good.

00:43:47.180 Our chief medical officer is involved in these actual these these treatments and been right along step and looking at the research and development and publishing on these various treatments.

00:43:57.280 And we want to be able to actually make sure that we're including you and supporting you in your services that you're providing to patients.

00:44:03.480 And so that's really where we serve our patients and our members, but we also serve our providers that are engaging with Americas because it's an important customer segment that we need to make sure that providers know that these services are available and that we're here to be able to work with you and that you can get quick reimbursements going immediately as far as this goes.

00:44:25.660 It could be as simple as a patient actually wanting to pay cash up front, and then they submit that bill to the portal, and we reimburse it directly to the patient.

00:44:37.340 But in all honesty, it's really – we ideally like to be able to work directly with the provider, to have the provider bill us either electronically or with their paper claims.

00:44:48.600 This is the whole aspect of the back office of a doctor's office of billing.

00:44:53.220 We accept any way.

00:44:54.780 We can do paper claims.

00:44:56.220 We can accept electronic claim submission.

00:44:59.380 And so we've really, like I said, it's not the 1900s.

00:45:02.900 We've taken this community aspect and make sure that we've modernized it with the best

00:45:06.420 of technology to make sure that your bills are being taken care of and that there's a

00:45:10.040 way to be able to actually take care of the providers that are serving our members.

00:45:15.760 So, David, how do people want if they have more questions?

00:45:18.600 I want to make sure people have a place, you know, the war and possibly what we try

00:45:22.540 to do is immerse people in information. And this is why I thank you guys for taking the entire hour

00:45:27.760 to do this. That I think has been very helpful. What have I not asked that I should have? And

00:45:32.820 then where can people go to start the process rolling and ask additional questions if they

00:45:37.980 haven't? Yeah, so thank you for giving you so much time, Steve. I would say, you know,

00:45:45.760 I own businesses. Before America's head share, I was paying $2,600 a month. And I discovered

00:45:52.160 health sharing. And I asked myself, father of eight, family of 10, why did I not know about that?

00:45:59.160 Health sharing is the most kept secret ever. A lot of people don't know about it. It's going to

00:46:05.580 change your life. You won't be able to make a decision between, hey, I want it all. I want

00:46:13.560 education for my kids. I want food for my kids. And I want the best self-care. So fundamentally,

00:46:18.180 So it addresses those three issues in one solution.

00:46:21.040 If you want to learn more, go to americashealthshare.org,

00:46:25.580 fill out our form.

00:46:27.180 You will receive some information.

00:46:30.140 You will get access to a price calculator

00:46:31.820 where you can tell us about the size of your family.

00:46:35.760 And we will provide you with some options.

00:46:37.780 We have three options in terms of programs.

00:46:39.760 We have America's Red, which is very comprehensive. 0.51

00:46:42.800 We have America's White for youngsters under 29 years old.

00:46:46.160 And we have America's Blue, which is extremely affordable.

00:46:49.800 It is like an emergency plan, right?

00:46:52.840 If you don't get much, but if you are in a big accident or you have a cancer, you will be taken care of.

00:46:59.440 If you go further and you want to enroll with us, use a coupon code BANN.

00:47:04.720 That will give you a specific discount on the first month of membership with America's SelfShare.

00:47:12.660 One more time.

00:47:13.640 I just want to make sure, go through all three programs briefly, and where do people go?

00:47:18.300 Because I know we're going to have a lot of interest in this.

00:47:20.100 But as you know, people are going to have a lot of questions.

00:47:22.280 I think after they make the switch, it's a different deal.

00:47:25.700 But in making the switch, it's a big deal.

00:47:27.960 So what are the three different broad plans, and then where do they go to talk to you and your consultants?

00:47:34.300 Absolutely.

00:47:34.880 So America's Red is a very comprehensive program.

00:47:38.840 It starts at $95 per month. 0.78

00:47:42.360 America's white is for young adults under 29 years old. 0.82

00:47:47.700 It starts at $95 per month.

00:47:50.880 And America's blue, starting at $68 per month, is like a catastrophic program.

00:47:59.240 That's the most affordable one.

00:48:01.180 They all have a different type of what you call annual unshared amount,

00:48:04.440 which is equal to a deductible.

00:48:06.360 So you can choose what is the amount you want to pay out of pocket per year.

00:48:10.400 And after you reach that amount, we would share into everything that is eligible for our sharing guidelines.

00:48:18.660 To learn more, go to americashealthshare.org.

00:48:24.280 And if you enroll, you can use a coupon code BANNON, and that would give you one month free for the first month of membership.

00:48:36.200 Doc, I want to end with you.

00:48:38.100 David said when he found out about this, it changed his life and it will change your life.

00:48:43.560 What did he mean by that?

00:48:45.120 And how do you guys stand by that?

00:48:46.740 We've got like two minutes.

00:48:48.780 Well, Juan, we've had examples of members who have been able to actually afford their mortgage as a result of actually switching over from their traditional insurance to America's.

00:49:00.420 It really is more than just even the affordability.

00:49:03.500 We've had members who their lives have been saved.

00:49:06.520 We've had members who, you know, I'm in oncology. I've done an integrative oncology and looking at precision medicine. We've had members who have been referred to hospice. And as a result of the actual ability of having access to more data and these solutions and being able to look at the actual solutions that you have, we've been able to take them and actually move them into, this was a case even a couple of years ago.

00:49:34.100 So again, stage four lung cancer case, we're referred to hospice, ended up coming, receiving

00:49:40.900 the kind of functional medicine and a lot of data points to be able to treat.

00:49:45.400 We were able to, in eight weeks, bring him into full and complete remission.

00:49:49.580 And now he's still cancer-free today.

00:49:52.120 So this is where when it comes to, and those services were not available in a traditional

00:49:57.340 health insurance plan.

00:49:58.880 And so this is where when you have data drive and you let this actual ability to be able

00:50:03.460 to one, have better cost and have better options because now, and that's available in that

00:50:08.920 comprehensive America's Red program. And it's also available to the youngsters in America's

00:50:14.900 White. That comprehensiveness is able to actually provide options for you and your family that you

00:50:20.960 can't get in traditional insurance. That ability of having a youngster with autism that had a

00:50:27.220 vaccine injury, our members, if they have those, they can actually have access to the latest of

00:50:33.020 the actual functional medicine treating autism and the actual vaccine injuries. And so this is where

00:50:38.620 it's one of these areas that it does change your life because it's healthcare. It's personal. It's

00:50:43.380 what we actually experience. And when you, you know, I've seen too many people on a traditional

00:50:48.260 healthcare plan where they don't know what's in their plan until they get sick and then they have

00:50:53.900 to use it. And then they realize that they've been paying $2,500 a month for care that they

00:51:00.020 don't even want to get, and that it's not the care that they actually want to be able to receive

00:51:04.540 themselves. And they don't have that with Americas. You get the care that you want. 0.96

00:51:08.860 It's the top of the spear as far as what Bobby and the Make America Healthy Again movement is

00:51:13.260 actually all about. And it's at an affordable price. And so that's really been very exciting

00:51:18.180 to me to be able to transform lives and really take this mission to be able to say, how do we

00:51:22.620 transform American health care? Because it's not about we're not paying too much. We are paying

00:51:27.740 too much, but the costs are there. And this ability to be able to actually transform people's

00:51:32.400 lives and make their lives worth it so that they can live their God-given ability to do their work

00:51:38.480 that they're called to is a great joy and blessing for us. We've got 30 seconds, Doc. One more time,

00:51:44.440 where do people go right now? People go americashealthshare.org, americashealthshare.org.

00:51:51.120 Fill out that form. Our team will be talking to you or answering any questions that you have.

00:51:55.820 uh david dr john thank you so much for taking the hour very illuminating let's everybody go

00:52:04.040 immerse yourself in information right now go to america health shares appreciate it guys

00:52:10.520 we'll see you back here in the war room tomorrow morning at 10 a.m eastern daylight time

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Bannon's War Room - June 08, 2026

WarRoom Battleground EP 1026： Keeping America Healthy With America's Health Share WarRoom Battleground EP 1026： Keeping America Healthy With America's Health Share

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