WarRoom Battleground EP 1026： Keeping America Healthy With America's Health Share WarRoom Battleground EP 1026： Keeping America Healthy With America's Health Share
00:00:00.000this is the primal scream of a dying regime pray for our enemies because we're going medieval on
00:00:11.180these people here's not got a free shot all these networks lying about the people the people have
00:00:17.780had a belly full of it i know you don't like hearing that i know you try to do everything
00:00:21.540the world to stop that but you're not going to stop it it's going to happen and where do people
00:00:25.120like that go to share the big line? MAGA Media. I wish in my soul, I wish that any of these people
00:00:32.940had a conscience. Ask yourself, what is my task and what is my purpose? If that answer
00:00:39.600is to save my country, this country will be saved. War Room. Here's your host, Stephen K. Bann.0.62
00:00:48.000welcome you're in the war room uh i want to uh take time today and walk through kind of a
00:00:58.740construct that's at least new to me but i think quite fascinating and we want to make sure
00:01:02.700that is available to all the war and posse that uh that is so inclined so america health shares
00:01:10.020is with us today david lejeune is the president and one of the co-founders david and we've got
00:01:15.800Your chief medical officer, Dr. John Ertley, is with us also, and I want to get into what you guys provide.
00:01:22.560But 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?
00:01:30.820This 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.
00:01:40.480Can you walk us through exactly what this is, what this construct is?
00:01:44.400Yes, absolutely. First, Steve, thank you for having us. Nice seeing you today.
00:01:50.600So health sharing is a concept that first originated in the 1900s. It's not really new
00:01:55.820in America. It goes by to the founding of America, where people get together to do things together,
00:02:01.840giving the power and sovereignty to the people. It was not until the 1990s that formal models
00:02:08.180became organized across the United States.
00:02:11.060In fact, America's Elveshare is a program of an overarching ministry
00:02:15.300called Melita Elvesharing, which started in 1977.
00:02:20.900Back in 2016, we decided to scale up this model
00:02:24.080and start serving Christian denominations,
00:02:51.120Is that religious communities came together?
00:02:56.760You're saying in the 1900s, not the 19th century, but the 1900s.
00:03:00.640And it was to collectively pull your resources or people felt they could get better health care
00:03:06.300doing some sort of community program versus going and getting traditional health insurance?
00:03:12.180Yeah, so the concept is pretty simple.
00:03:14.120People decided to put their resources together to be able to share their medical bills.
00:03:18.720It started initially because people wanted to make sure the medical treatments they will receive
00:03:25.800will meet their personal beliefs, specifically their religious beliefs.
00:03:30.520That 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.
00:03:51.620so that that was the initial thing is that say hey if i give into these if i give money to these
00:03:58.220health care systems they're supporting things i don't agree with euthanasia abortion other things
00:04:03.960maybe later on vaccines i don't agree with exactly so how do we figure out how to bind together so
00:04:10.360the original concept was what we would come together and pool our resources i mean how
00:04:14.820how does it then if you if you have the initial spark to say we don't want to support a system
00:04:20.640that is morally or ethically against what we believe,
00:04:24.200we want to do it ourselves, that's a huge leap right there.
00:04:28.640But then the practicality of actually doing it,
00:04:31.300then how do you take that community sense of we just want to do this together
00:04:37.960How do you actually structure it so that it can actually be something
00:04:40.460that could give you the same coverage or can compete with health insurance
00:04:45.740and where you wouldn't have a gap in getting the services that you required?
00:04:50.640Yeah, 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.
00:05:13.000A lot of things have evolved. In our specific case at America's Elfshare, it's pretty simple.
00:05:18.100You go online, you join as a member, you open an account, you give us some information about your family,
00:05:24.700how large is your family, if you're a family, or your date of birth, if you're single,
00:05:28.320and then you open what we call a virtual sharing account.
00:05:32.340What does that mean? That on the behalf of the member, we open a bank account,
00:07:07.160So what is beautiful is that it's not just what you're putting there.
00:07:10.380It'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.
00:07:19.020That's 10 people suddenly costing me less than $1,000 to get a fantastic, fundamentally comprehensive access to healthcare in America.
00:07:28.300You benefit from the money from all the members.
00:07:31.620But I would say, you know, the number one trick fundamentally is our capacity to negotiate and reprice medical bills coming from providers.
00:07:40.620And 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.
00:07:53.840And we have a track record of repricing, negotiating down all of those overpriced medical services by an average 62% month to month.
00:08:05.420So 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.
00:08:28.720Tommy, just give it a specific example. How does that work in practicality? What does the
00:08:36.020negotiation do? You pick whatever you want to pick, but how do you use that so that people
00:08:42.080understand it? Yeah. So you become a member. Unfortunately, you have to go to the emergency
00:08:48.300room, to the ER. You're going to go there and you're going to show your membership ID card.
00:08:53.220I don't know if people can see it here on screen, but it looks very, very similar to
00:08:57.700you know, the alternative out there, like insurance carriers. So you show your membership ID card,
00:09:03.200and then you will be entered in the system. And most of the time, the hospital, the ER will send
00:09:08.920the medical bill or bills, as you know, unfortunately, they send multiple bills,
00:09:14.220they will send them directly to us via an electronic process, or via a mailing process.
00:09:20.300Then that medical bill is reviewed by our pricing team. And they compare that to what is the
00:09:26.480standard based on its clinical code vis-Ã -vis Medicare. So each bill has a line item. You have
00:09:33.540a line item for syringes. You have a line item for paying for the bed in the hospital. And we
00:09:38.920look at what is the standard defined by Medicare, and we see how much over Medicare that is being
00:09:44.280charged. And then we negotiate with them to push it down. And we negotiate with them based on,
00:09:50.200again, the fairness of Medicare, if it is. We also negotiate it with them because we have
00:09:56.080critical mass and often we have we have we have relationship with them already
00:10:00.640bottom line they often agree to lower that price and we push that down to our members our members
00:10:07.360only pay what we have been able to reprice with the providers so we take care of that through
00:10:13.760what we call our care navigation team where we send members to the base place we're going to
00:10:18.980know about the cost most of the time most of the time before the member has to go for medical
00:10:24.160procedure or see a provider. And then our repricing team is in touch with those providers
00:10:29.800to negotiate. It's a hard job to negotiate clinical code, line item per line item on a
00:10:35.560specific medical bill. A specific example, which is pretty high, but I think it explains also why
00:10:42.920health sharing is working and why people should not be concerned, even if it's not insurance.
00:10:47.760A couple of years ago, we had a case with a child who had heart defect at birth, multiple surgeries and hospitalization.
00:10:58.160Believe 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.
00:11:12.040Again, the sum of those 618 medical bills received amounted for over $3 million.
00:11:19.400We were able to reprice it to $282,000.
00:11:26.120That's a 91.50 reprice savings for the members, for the family.
00:11:31.540Again, we do not always reprice by 90%, but in average, month to month, we have between 60 and 62%.
00:11:38.980Hold on, you were able to negotiate down the $3 million.
00:13:10.920And how are you going to deal with 682 bills?
00:13:14.360You 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.
00:13:26.580And by the way, when you have 682 bills, often you're not just negotiating with one entity.
00:13:32.600You're not just negotiating with the hospital.
00:14:55.460I mean, we've seen that healthcare sharing, one, it works, but people are thriving because
00:15:00.100we're actually, Americans are taking back their healthcare.
00:15:02.880You know, this is where, you know, ever since Obamacare was established, it was designed to make insurance companies rich.
00:15:12.700It's designed exactly the way it needs to work.
00:15:15.800You know, we see that insurance companies' stocks have increased 1,700% since the start of Obamacare.
00:15:26.240Hang on. Take a second. I want to go back here, Rewind. Be specific.
00:15:32.100Obamacare, he was the most progressive president supposedly in history.
00:15:36.180Every night, because I remember Andrew Breitbart and ourselves were in the middle of this fight.
00:15:40.560And quite frankly, as you guys know, this is not exactly my line of country, but we were there for the demonstrations.
00:15:47.300We were there when Michelle Bachman led the march out against Nancy Pelosi on Capitol Hill.
00:15:52.460I mean, this is one of the most dramatic throwdowns.
00:15:55.200This situation of Obamacare engulfed the nation for at least one year.
00:15:59.340And 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?
00:16:24.040So 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.
00:16:46.860So 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.
00:17:13.340And 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.
00:17:29.680And 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.
00:17:51.080And 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.
00:18:11.880And so you wonder why people are coming back because we actually have affordable prices now in our actual monthly contribution.
00:18:20.000So 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.
00:18:35.220Yes. 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?
00:19:00.640because on average, we're getting a 62% reduction of medical cost that is reduced from repricing.
00:19:11.140So when we have an exorbitant price coming in at the hospital, as David Lejeune was just discussing,
00:19:17.240we're repricing that. And our data shows that we get a 62% discounted pricing,
00:19:24.040which saves our members $1,800 a month on average. Now, what's also, what we do that
00:19:31.200with the providers that are billing very exorbitantly, but we also have relationships
00:19:37.560with doctors and providers across the country who are doing really amazing work to try to fight this
00:19:45.400battle as well. You know, this is where, and we have relationships with these providers
00:19:49.860that are already billing in a fair and just way.
00:19:54.200And then we're working directly with those.
00:19:56.260So we have a process even to be able to,
00:19:58.360when members come in and they're asking,
00:20:00.800where are these providers that are providing
00:20:03.240great outcome-based care at good prices that are fair?
00:20:16.640We had a member who was needing a nasal polyp removal
00:20:19.700surgery, the provider was charging $96,000. I said, this is not okay. This is exorbitant.
00:20:28.620Now, if you were to just negotiate, and I've asked some hedge fund managers the same question,
00:20:33.400what do you think would be a good discount? Would it be 50% discount? And many people will agree
00:20:39.320that if they get a 50% discount of that price, they would say, yeah, I think that's good. But
00:20:44.240if you don't know the cost of that procedure, you actually don't have any idea. We actually
00:20:50.660were able to get to the same procedure, but a different provider and a different hospital.
00:20:57.080And that whole cost of that procedure was $6,000, a total savings of $90,000. Patient had a great
00:21:05.820experience with the provider that the $6,000 procedure was performed at, had a great outcome.
00:21:13.080but this is where with when you don't know it's like I like to explain it's like going to a
00:21:18.440convenience store and buying a stick of gum and the convenience store is billing you three weeks
00:21:23.780after you buy it and it charges you two hundred dollars for a stick of gum well we all think that
00:21:29.480this is crazy we know what the cost of a stick of gum is you can go on Amazon you can go to a
00:21:33.620convenience store see the competitors but if you don't know what the stick of gum costs then again
00:21:39.020you're left in this balance of saying, I have no idea. Maybe 50% is a good price of a cost
00:21:45.960reduction. I just don't know. And so this is where when you actually have a firm footing to
00:21:50.660stand on and you know the data and you know what procedures should be, what you should charge for
00:21:56.420a procedure, you can then call these providers out to be able to actually have a reduction in cost.
00:22:02.580And so that's where you're able to actually, we don't just pocket that cost. We don't just profit
00:22:06.540off of that cost, we push it back onto our members to be able to give the members a great
00:22:11.740savings so that they can get great health care at a reasonable cost, if that makes sense.
00:22:17.940It makes sense, but is it equivalent, like the 96,000, was that done in like the Mayo Clinic
00:22:24.580and the 6,000 is done somewhere in some backwoods clinic? I mean, it can't compare in quality,
00:22:31.580candidate. I mean, you can't possibly, somebody charged $90,000 more for the same exact service.
00:22:38.780Do you take a hit in quality that you pass on? Do you at least notify the member that,
00:22:44.600hey, look, you're not going to the Mayo Clinic for this, but this guy's qualified. It may not
00:22:49.240be at a prestigious location, but you're not paying for their rent, sir?
00:22:55.380Steve, no, it actually is a misnomer. You would think that quality follows the actual price.
00:23:00.140it actually doesn't. And so this was not Mayo Clinic that was charging $96,000.
00:23:05.360This was a standard hospital system that was charging $96,000. And what you actually find is
00:23:12.740that when you actually look at these different options, we did perform this $6,000 procedure
00:23:19.960at what's called an ambulatory surgical center. Many times these ambulatory surgical centers are
00:23:25.340actually owned by doctors because they've seen the issues that go on with big hospital and they're
00:23:30.580coming together. And you actually look at some of the data with even ambulatory surgical centers
00:23:34.980and you see that they're able to perform great surgeries at a reduced cost. And then they're
00:23:40.920also able to have, because there's an entrepreneurship and an ownership mentality
00:23:47.580of the group, you actually see that they have cleaner operating rooms and you actually see
00:23:53.040less reinfection rates, which means it drops the cost overall down anyways, and they get a better
00:23:58.500customer experience because you're actually have pride in the work you're doing. This is this
00:24:03.400entrepreneurial spirit that I want to serve those members or serve those groups that are coming in
00:24:09.700providing better healthcare at a reasonable cost. And they're not charging, you know, 1800% over
00:24:15.980medicare does america health shares i want to stick with the 96 000 is the member and active
00:24:23.520participant with you and you're you're coming back and saying hey look it's 96 000 we've got
00:24:28.560an option that's 6 000 here's the backup of it and information so people feel comfortable hey i
00:24:34.160know what the switch off is and i'm comfortable that i'm not going to some backwoods uh place
00:24:39.780but these are actually something i i feel comfortable with and i can sign up for yes
00:24:44.280That's very important. So that's an active process that when a member is actually calling
00:24:48.540and engaging with us, we are actively engaging with that member. We're actually having similar
00:24:52.940conversation about the discrepancies in price gouging that's happening in healthcare and the
00:24:57.940ability of keeping all members' monthly costs at a reasonable cost and the importance and value of
00:25:05.140going and trying this provider. And it is, it's a second opinion that's going to happen, right?
00:25:10.080So 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.
00:25:25.220Now, if that member wants to go and receive the $96,000 procedure, well, then we're going to reprice that as well.
00:25:34.200So 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.
00:25:46.060Because like I said, you're actually having ethical providers that are actually billing appropriately, and then you're having a better experience.
00:25:53.520And there's a lot of entrepreneurship usually in these ambulatory surgical centers.
00:25:57.980They actually get a better experience at a lower cost.
00:26:03.080So that's the experience that we have.
00:26:04.640But 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.
00:26:11.820And that's the discussion of being able to actually take that next step.
00:26:16.380Doc, why don't you hang on for a second?
00:26:17.880We're going to take a short commercial break.
00:26:19.460I'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.
00:31:49.220In fact, as I was saying, America's HealthShare is a member of Melita HealthSharing Ministry, which has been in business for a long time.
00:31:56.560And we have over 10 years of repricing data.
00:32:00.520As part of our overall ministry, we have processed over $500 million of medical bills, right?
00:32:08.500So 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.
00:32:21.400So to your question, I'm not a better negotiator than Mr. Trump and the president.
00:32:25.320No, 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.
00:32:42.400That 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?
00:32:50.640It did the exact opposite. In fact, also it did two things. Number one, it increased the cost
00:32:57.200of health care for the vast majority of Americans who are still going through regular health
00:33:02.620insurance providers. Number two, I don't know if you know that or your audience knows that,
00:33:07.720for Obamacare, they removed the limit of $1 million per incident. In the past, a provider
00:33:14.600could not charge more than $1 million per incident. That was removed. As soon as it was
00:33:18.960removed, you saw bills for a million, two, two million, three million. I'm talking about the sum
00:33:23.860of bills for one specific incident, like cancer, for example. So, you know, in fact, reducing the
00:33:31.140cost for some, it opened a jungle. It broke the system even more by allowing, you know,
00:33:38.200health insurance and providers to fundamentally charge whatever they want to do what? To recoup.
00:33:43.900As 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.
00:33:55.460I noticed that you guys have increased in kind of your scale and your activities since Obamacare.
00:34:01.500Was that one of the big drivers that eventually when you saw Obamacare passed, you said, hey, we provide an alternative.
00:34:07.820And when people understand this alternative, we will actually grow and thrive better than the medical insurance industry?
00:34:16.560Yes, but, you know, I think it's a big part of it, affordability.
00:34:21.480But in addition, you also have comprehensiveness of health care.
00:34:26.180With America's health share, there is no concept of network.
00:35:32.660And a lot of other topics we are aware about when it comes, you know, to the transgender agenda.
00:35:39.640Doc, 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.
00:35:49.700We believe in Bobby Kennedy, what he's trying to do.
00:35:51.480We were at the tip of the spear and trying to end his confirmation hearing.
00:35:54.720We're very close to Tony Lyons and all the guys over at Make America Healthy Again, all the super PACs, et cetera.
00:36:01.820This 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.
00:36:10.580We're an unhealthy nation now. How does America health? So how do you guys deal with that?
00:36:15.520Do you talk about alternative therapies? Are you looking to get people healthy?
00:36:19.480Walk us through how do you guys get involved in that conversation?
00:36:24.080Yeah, we've been practicing Maha health care. Well, even before Maha was a term.
00:36:29.360And 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?
00:36:54.220You 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?
00:37:07.420Why are we not actually looking at this that can be identified?
00:37:10.940With Americas, we actually are, that is eligible for sharing so that we're able to actually look at those root causes or that comprehensiveness.
00:37:51.240If 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.
00:38:07.860That'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.
00:38:17.560But one of the things we do is you can actually get stem cells.
00:38:20.880One 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.
00:38:36.500I've seen some miraculous stories when it comes to this regenerative medicine.
00:38:40.240But what's beautiful about that is that now you get a regeneration of your tissue.
00:38:44.620And at the same time, it's a fraction of the cost.
00:38:46.420You're talking $2,000 with actual regeneration, less time off work, less recovery.
00:41:39.740Yeah, so you do keep the doctor that you know.
00:41:41.520So as David said, it is a no-network organization.
00:41:45.920There's no network, but we do have a community of providers.
00:41:48.800And 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.
00:42:07.400We actually accept naturopathic medicine. We accept naturopathic doctors, the functional medicine testing.
00:42:14.100We accept all of that. And this is where when you come, you can present your ID card, as David showed.
00:42:19.720It's just like a traditional health insurance ID card.
00:42:23.940And many times a provider is going to call us to be able to say, OK, are you an actual or do you take me?
00:42:32.080And 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.
00:42:45.080And 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.
00:42:59.160Give us your providers and we will reach out to them to become a part of our community.
00:43:04.920So 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.
00:43:19.420One 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.
00:43:34.660And 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.
00:43:47.180Our 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.
00:43:57.280And 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.
00:44:03.480And 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.
00:44:25.660It 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.
00:44:37.340But 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.
00:44:48.600This is the whole aspect of the back office of a doctor's office of billing.
00:48:48.780Well, 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.
00:49:00.420It really is more than just even the affordability.
00:49:03.500We've had members who their lives have been saved.
00:49:06.520We'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.
00:49:34.100So again, stage four lung cancer case, we're referred to hospice, ended up coming, receiving
00:49:40.900the kind of functional medicine and a lot of data points to be able to treat.
00:49:45.400We were able to, in eight weeks, bring him into full and complete remission.