The Weaponization of Health Insurance: Opt Out, Save Money, and Get BETTER Coverage - Featuring Patrick Maser

Imagine slashing your health costs, choosing any doctor you trust, and seeing exactly where your money goes—without fighting bots to overturn a denial. That’s the promise of nonprofit healthcare bill sharing, and today we unpack how it works, who it’s for, and why it’s quietly changing lives and budgets.

We start by tracing three shifts that pushed insurance off the rails: centralization under Obamacare that merged insurers with provider groups and PBMs, COVID’s subsidy whiplash that spiked premiums, and AI tools that mass‑deny claims most people never appeal. Then we pivot to a practical alternative with Patrick Mazer, a systems thinker leading nationwide awareness for healthcare bill sharing. Patrick explains how modern sharing communities look and feel like major medical—one family responsibility amount instead of per‑person deductibles, no networks, fast provider payments, and transparent dashboards that show funds in real time—while often costing 30 to 60 percent less.

You’ll hear how maternity (including home and birth center care), dental and vision discount programs, telehealth, virtual therapy, and generous PT and injury-related chiropractic fit inside the model. We dig into the 36‑month lookback for pre‑existing conditions, how families can decouple to save today and regroup later, and why a prepaid physical makes onboarding with your doctor seamless. For those on Medicare, a supplemental share can cover what A and B don’t while restoring true specialist choice. We also spotlight stable rates, growing wellness credits that reduce your responsibility amount, and real stories: a needed medical device approved without months of protocol delays; a teacher saving five figures; a loan officer helping a client repurpose $1,000 a month and qualify for the home she wanted.

If you’re ready to exit a system built to extract and deny, this conversation offers a human-first roadmap that pays bills quickly and lets doctors decide care.

RESOURCES

• Impact Health - Referral ID# 09589384
• CEOs questioned in hearing
• Dr. had personal claim denied 8 times
• American's Start New Year Without Insurance
• Skyrocketing Premiums Were Inevitable With Obamacare
• AI is denying your healthcare (and it's getting worse)
• Cigna Saves Millions by Rejecting Claims Without Reading Them
• FREE 30-min Strategy Call about Impact

Reverse Any Chronic Health Condition in Three Steps - The Simplest Path to Healing You've Ever Seen

Transcript

Why Insurance Is Failing You

SPEAKER_00 0:52

Hello everyone, welcome to episode number 65. This episode could save you a lot of money, and for some of you, a life-changing, even family-changing amount of money that would otherwise have been wasted. If you heard my recent interview with Dr. Stuart Fishbein and midwife Bliss Young, then you may remember that two different times Dr. Stew mentioned the option of healthcare bill sharing as an alternative to health insurance. We were talking about bill sharing as an option to cover childbirth and midwifery expenses, but the topic is much bigger than that, and there are some significant advantages to bill sharing that most people are not even aware of. So today, as promised, I'm doing a whole episode on bill sharing versus insurance. To whet your appetite, let me give you a few scenarios and see if you can relate to them. Has the cost of health insurance risen recently and perhaps strained your finances or maybe even priced you out of having coverage altogether? Have you looked at what you're spending on health insurance and found yourself asking, why am I paying so much and what am I actually getting? I never meet my deductible and I feel like I'm lighting money on fire pretty much every year. Have you felt stuck in a job you don't want or found yourself needing to take a job you don't want because the health insurance provided by the employer keeps you there? Have you been through the frustrating loop of having your claims denied either for diagnostics or treatments? Have you been flabbergasted by the automated labyrinth and the difficulty finding a competent, empathetic human on the other end of the phone at your health insurance company? Have you seen the percentage that Medicaid and Medicare will cover and realized you don't have enough funds to cover the rest of the bill? Have you come to understand the massive amount of fraud going on in the insurance world, like what happened in Minnesota with the Somali situation as a recent example? Does it pain you to give large sums of your hard-earned money to corrupt corporations and you'd love to have a way to stop doing business with the healthcare racket and still be covered? If any of those things are true, you're definitely going to want to listen to every minute of this episode. Healthcare bill sharing is so refreshingly different, and it's something that less than 1% of people are even aware of. My guest today is Mr. Patrick Mazer. I think of Patrick as a systems-level thinker. He thinks about how to make big, impactful changes that shift national trends and conversations. He is rowing for team humanity, and he has done more to create awareness of bill sharing than anybody I know. And as you'll hear him say, in the last year alone, he spearheaded an effort that led to 4,000 people switching to healthcare bill sharing, and that saved those people a collective$60 million. For context, my family and I have been using bill sharing for about a dozen years, and we find it to be so much better than insurance. So before I play the interview, let me set the table in true deconstructing conventional style and tell you about some of the highly relevant and recent happenings in the health insurance realm. I'll show you how insurance became such a mess, and just give you a non-hysterical look at the ugly reality of where it's going and how fast it's getting worse. And then my conversation with Patrick will help you understand a beautiful option to opt out of the circus, stop wasting money, and get all sorts of benefits that insurance will not offer you. So let me kick things off by saying there is a lot I could cover about this topic, but I'm going to do my best to boil it down to three salient points so you can see the big picture and why having insurance, as funny as it sounds to say this, is getting riskier and more cost prohibitive. For those of you who want to take a deeper look at about the topic, I'll have all sorts of links for you in the show notes where you can verify what I'm talking about and learn more of this history. So the three major developments that, in my opinion, have basically rotted health insurance to the core, are the ugly confluence of Obamacare, COVID, and AI. So I'll take them one at a time. The first majorly relevant historical lens here is the so-called Affordable Care Act, also known as Obamacare. You could think of Obamacare as a partially successful effort to centralize health care into a service provided by the government, similar to what countries like Sweden and England have. In episode number 34, Dr. Lee Vliet and I discussed some of the history and events that led to Obamacare and the ramifications of it. So if you want, you can check that episode out. The short version of what happened is that Obamacare brought a lot of people into government subsidized healthcare. Essentially, that means the government pays for some or all of a person's coverage. But what that effort to centralize healthcare did was incentivize insurance companies to buy up pretty much everything in healthcare except for pharmaceutical companies. So outside of making the drugs, insurance companies have grown to essentially own almost all of healthcare. And if you know what centralization does to any industry it touches, you know how slow it slowly just becomes all about the money and it loses the individual. So to drive this point home, there was a recent hearing held in January of 2026, and it was led by Jason Smith, who is a representative from Missouri. So I'll put the relevant minute and 15 second video in the show notes so you can watch this if you want. But Representative Smith asked a series of four questions to the CEOs of five major insurance companies. I'll just read you the questions, but note that all but one of the five raised their hand every time. He asked them this. Which of your companies owns and controls a health insurance division? Question number two. Please keep your hand up if you also employ healthcare providers or own clinics, specialty pharmacies, or any other kind of medical practice or pharmacy. Question number three, please keep your hand up if you also own or control a pharmacy benefit manager. And I'll tell you more about what that is in a second. Question number four. Please keep your hand up if you lead a publicly traded company at which you have a legal responsibility to maximize shareholder value. So Chairman Smith wrapped up this segment by saying, We've established on the record that the largest health insurance companies are not just insurers. He then went on to point out what may have just clicked for you. Health insurance companies don't just provide insurance, they have also become medical providers and pharmacies. They also employ doctors and pharmacies, and the pharmacy benefits manager, he mentioned, means companies get to decide what medications you use. Essentially, the health insurance world has morphed into the business of diagnosing and deciding treatments. Something you probably prefer your doctor decide, not an insurance company. But the brilliant point Representative Smith got on the record is that insurance companies don't just dictate care. They have a legal responsibility to make as much money as possible for their shareholders. In practical terms, what that means is that they are in the business of controlling everything and extracting as much money out of us as possible. There is another clip I have for you from that hearing. It's from a doctor who stated that he is watching healthcare workers quit over their frustration with insurance companies. He personally had to appeal a denial eight times to finally get the care he needed. And during his comments, he said the same thing that Dr. Stew said in my interview with him. And that is this they both know that these hearings are a dog and pony show. They both know that after the hearing, nothing will change. I'll come back to that point in just a couple of minutes. So, friends, this is what our healthcare system has become. No wonder the stock prices for insurance companies have tripled since Obamacare went into effect. But it gets worse. There are still two more important points to cover. The second major inflection point that got us to where we are today, not surprisingly, was COVID. And again, I'll have some links for you where you can read more about that. But here is the short version. When the government shut down Main Street and bankrupted a lot of small businesses because they were not essential, millions of people lost their health insurance, and that flooded the Obamacare system with a wave of people who needed government subsidies to be able to afford care. As you may know, health insurance companies, like life insurance companies or casinos, they know their numbers and they don't lose money. So when the Obamacare subsidies ended at the beginning of 2026, and some of you are painfully aware of that, prices for health insurance soared in response to that. Many people went from a manageable monthly bill or a manageable deduction from their paycheck to several multiples above what they were paying. And they that instantly put health insurance out of reach for millions of people because their insurance payment was like having a second mortgage. So that's the second major inflection point. The third one has only happened in the last year or so, and you could argue it's the most sinister, and that circles back to something Dr. Murray said during the hearing. Insurance agencies are using AI to automate the process of denying claims. And again, I'll have links for you where you can look into this and see the lawyers and journalists laying out this problem. Or you could just do a quick search for how insurance companies use AI to deny claims. So if you put that prompt into a search engine, what you'll find are things like this. Insurance companies use AI to automate and scale claim denials. Systems like Sigma's PXDX allows doctors to deny claims with a single click without reviewing patient files. United Health's group, Navi Health, uses an AI tool called NHPred to override physicians' recommendations. Lovely. And wouldn't you know it? The insurance companies thought this is so great that they bought the AI companies, and that allows them to dial up or down the number of denied claims anytime they want. So here's the sinister part, at least to me, less than 1%, as in 0.2% of denied claims are appealed, despite a 50% success rate when appeals are filed. So if you've been denied, there's a 50-50 chance you could win if you fight it. But big insurance companies use a strategy called delay, deny, defend, knowing that will break the will of most people and they will give up fighting a denial. How many of you have the energy to fight a denial when you don't feel well? Ouch, that's what's happening with AI. So, not surprisingly, I suppose, the situation gets worse for lower incomes and ethnic minorities. They have a 43% higher likelihood of having their claims denied. Even worse, the new Medicaid use of AI will reward companies with a percentage of the money saved, meaning companies are now financially incentivized to deny claims. Friends, that is the kind of thing that happens when an insurance company has a legal responsibility to maximize profit. So let me give you one last fun data point here about how this is shaking out. So the state of Connecticut found the company, EVICOR Healthcare, was guilty of 77 violations of state law, and Connecticut fined them. So take a guess as to how much they were fined. Now, before I answer that, let me give you some context. EVICOR is owned by Cigna, which has a valuation of$67 billion. So how big of a fine did Cigna pay?$16,000. As Patrick said to me off the record, that's like a jet fuel payment.$16,000 is a gentle tap on the wrist delivered with a wink. I just want to say way to stand up for the law and let it be known that crime will not be tolerated in Connecticut. Good job. Okay, yet perhaps the most chilling thing that I've found when looking into the AI takeover of insurance is that Alex Carp, who is the CEO of Palantir, which is the AI database that married itself to the military, intelligence agencies, and the federal government's records on We the People, that Alex Carp, says AI is now processing decisions about who lives and who dies. Awesome! What could go wrong? So, friend, in this brave new world we have descended into, your doctor is basically cut out from the decision-making process in the modern system. The hospital system and AI now makes the decisions about what kind of care you receive. Getting accountability for any errors is only going to get harder because the system can just blame the AI. It wasn't us, it was the AI. Do you see the picture now? It's not pretty. Between the effort to make us all dependent on the government, the centralized control of hospitals, pharmacies, doctors, and pharmacists, and now with AI dictating care to maximize profits, it's easy to see, like much of the medical system, the health insurance system, I'm not saying the people, but the system as it is today is basically rotten to the core. And here's the important point I want to make. I don't think we the people are going to change this situation by holding more hearings or exposing more corruption or giving more speeches. We already know it's corrupt, and all signs point to the to the fact that it's only getting worse. So we the people will create the change we want by choking out these systems of our compliance and our dollars. We can just remove our consent and spend our money elsewhere. We do not have to engage it on their terms. But less than 1% of people know that there are options for coverage that puts humans first. And that's why I'm so delighted to bring you this episode. This is one more way we the people can say no, thank you. And if you're not out of the health insurance racket yet, I want to help you get out because my perspective is that staying in it isn't going anywhere pretty. It is a model of extraction. So if you're interested in bill sharing, check out the show notes for links to the option Nina and I chose for our family. You can literally get a quote in five seconds. Okay, with that as the backdrop, let's now open a window of fresh air and get this stench of greed and control out of this episode. Let me show you how much better healthcare coverage can be. I'll even tease you with the idea that bill sharing opened a creative way for me to make our coaching programs more affordable. And Patrick even tells an amazing story of how a loan officer was able to help someone drop insurance, switch to bill sharing, lower her monthly payments, and qualify for the home she really wanted. That's why I said at the beginning, there's potentially so much money and freedom available once you understand this model. So my hope is that this inspires you to create some win-win opportunities that you hadn't thought of before. So stick around after the episode, and I'll tell you all about a creative uh idea bill sharing inspired in me that might benefit you. Okay, without further ado, welcome to my conversation with a man who has at least as much energy and passion as I do. A man of strong convictions, who thinks big, oozes compassion, and who, like me, loves rescuing people from waste and frustration. It's time to meet Mr. Patrick Mazer. All right, hello, everyone. Welcome to today's show. My guest is Mr. Patrick Mazer. He is a man of many talents and he's been a full-time entrepreneur for 25 years. He's run many different businesses over his career. And one cause he is passionate about is disrupting the status quo in healthcare and bringing awareness to something most people don't know. So I wanted to bring him on today because he knows he's probably done more to increase the awareness of healthcare bill sharing than anybody I'm aware of. So, Patrick, welcome to the show today. Thanks for hanging out with me. Man, great to be on here. Excited to uh to share some information with your audience. Awesome. Okay, so you haven't heard my opening monologue yet. So you're not fully aware of the breath of fresh air you're about to bring to this episode. But I'm excited for you to just contrast the difference between insurance and bill sharing. So let's just kind of dive right in. So for people who are unfamiliar with healthcare bill sharing, just explain the model. Where did it come from and how is it different from insurance?

Choosing To Exit The System

SPEAKER_01 16:41

So, uh, first of which, uh, you know, I've never heard of bill share before. So let's start there. So I fall into that category of United, Aetna, Blue Cross, you know, just like a lot of Americans, you know, being self-employed or working for yourself, um, you know, I was paying$2,700 a month. Uh, this was four years ago, uh, for Major Medical, had a$6,000 deductible per family member. And when uh when healthcare sharing was introduced to me, it was almost too good to be true. You know, it was like, okay, how can I go from the$2,700 down to the$600? And how can my deductible be cut in half? So immediately they had my attention. And come to find out, for you know, 40 plus years, healthcare sharing had been something that had been done primarily in churches, you know, even further back into the Amish where passed the hat, Mary got sick, you know, let's all put a couple dollars into uh into a fund just to pay their their medical expenses. And it worked extremely well. Uh over the years it got a little more formalized, and now it's it looks and feels and operates like a traditional health insurance model.

SPEAKER_00 18:32

Gotcha. Okay. What so you mentioned churches. So the where there's a lot of different options people have out there. So the one we're gonna talk about more specifically is impact health, but they're a nonprofit like a lot of the other ones. So kind of talk about why the nonprofit angle is important.

Meet Patrick Mazer

SPEAKER_01 18:48

So a couple things. One, uh, governmentally, you have to be a nonprofit. So, you know, what what a what a unique idea. Take the profiteering out of healthcare. You know, you know, what a what a conflict of interest, you know, should we help the patient or should we help the stockholder? So there's there's a really unique uh opportunity here for us to be able to save money when it comes to taking care of the patient because we are a nonprofit. And so, first of which that's how they have to start. Uh, impact is a come one, come all. So, what that basically means is we're not uh religious focused, meaning you don't have to be a certain religion to become a member of Impact. And because of their nonprofit status, it really allows them to um help the patient about 50, 60% less than a traditional insurance option.

SPEAKER_00 19:40

Yeah, and so that obviously got your attention. So that and it typically is the thing people are uh arrested by first. Like, wait a minute, you're gonna send me how much money? And I guess there's often a perception like this this coverage probably isn't as good then if I'm if I'm paying that much less and my deductibles less. And I mean, for me, my family of there's eight of us. So what I love about impact is it's it's three or more, is the bill doesn't go up. So for eight of us, 571 bucks a month was a no-brainer. So I guess talk about the the pricing specifically. How much you're maybe saving more than the average person, but talk I know insurance often gets priced by how much money you make or how much your employer um makes. And so talk about kind of the average savings any person gets going this route, and then we'll get into what's covered. So um uh great question.

SPEAKER_01 20:34

Look, comfortably they advertise 50%. And to your point, you know, um the the subsidies have gone away. So 2026, you know, we had the government shut down over the cost of health care, and everybody was gonna get a massive increase. And, you know, the government said, let us, you know, stand outside for 30 days. And unfortunately, after 30 days, they came back and said, There's nothing we can do. You're you're all gonna pay 30% more. So I think everybody felt it this year more than they ever had. And having said all of that, you know, when you look at the saving side of it, to your point, you have eight people on your policy, you're able to get all eight covered for under$600, which in my case I have four on my policy and fall sort of in that same range. So whether you have four, five, six, seven, or eight, uh, the cost is the same. Three plus the cost is the same.

SPEAKER_00 21:28

Okay. Well, then so let's talk about coverage because that is something people often I guess they're they're not they're leery that is it going to cover everything the way I want it covered. So kind of talk about the breadth of what gets covered. And if you want to pull up the website and kind of use that to talk about it, that's cool too. Absolutely. So for you guys listening, you'll we'll just kind of do our best to describe it. If you can't do it.

What Healthcare Sharing Is

SPEAKER_01 21:50

You know, this is this is major medical. And when you think major medical, you know, here's what I want you to think anything from a scratch to an organ transplant, right? Anything that someone's gonna need when it comes to the medical side of coverage. So if you look at the way impact works, it's a it's a 30 to 50 percent savings. The second of which is our uh our what we would call a deductible, it's called a PRA, uh itself, personal responsibility, is$2,500 as our whole family. So that means all of our medical bills together. That's a huge distinction compared to a traditional insurance, right? Because they do it per member in the family, we do it as a unit. The part that people are pretty excited about, uh, and Christian, I think you'll see that as well. It's no network. You get to go to any doctor you want to go to, and that's a huge, huge benefit. You know, when you have a problem, you want to go to Cleveland Clinic or Mayo Clinic, or you want to go to the best doctor in the country for what that member has, they're free to go anywhere they want. And so we're also giving them things like telemedicine included, we're giving them things um like a wellness credit. All that basically means is if they go to the gym or eat a vitamin or get a massage or go see a holistic doctor, uh, we let them take that off uh their deductible. So we're partnering with the members to say, hey, the healthier you are, the better it is for the group. So if you go to the gym or you play pickleball or you like the golf or you do things that are active, let us reward. You by allowing your family to take uh up to$150 a month off your deductible or what you would know it as a deductible uh with impact.

SPEAKER_00 23:41

That's awesome. I can't imagine people are used to that with insurance. So, okay, a couple other things that are covered or not covered. So give me some uh insight into maternity care, um, vision and dental. How do people um leverage impact for those services?

SPEAKER_01 23:57

Yeah, so uh uh what's great about uh impact is um they have a very easy-to-read guideline. So if you want to have a baby at home, uh they will fully cover that, a birthing center, a doula, uh, or just a traditional way of having a child. Uh second of which is we do have a dental envision program. It's a discount program. All that basically means is we've already uh negotiated what those costs would be before you go see your dentist. So there's no sticker shock with a root canal or hey, you had to get some cleaning and x-rays. All of that is already pre-negotiated uh for both dental and for vision.

SPEAKER_00 24:35

Okay. And then when it comes to pre-existing conditions, give people an understanding. If they're they're here and there'sn't like, wait, I could save how much money, but I also have this problem. Help define the pre-existing condition puzzle for people.

SPEAKER_01 24:46

Yeah, so so let's talk about another factor of why impact can can do what they do at such a cost. Because they're not insurance, we're not forced to take sick people. And and all that basically means is we're starting with a healthy group of people. Now, if you get sick while a member, all bills are going to be paid. If you're if something unfortunately happens and you're a member, those bills are gonna be taken care of. So we do what's called a 36-month look back. We just say, hey, over the last 36 months, you know, have you had a problem or do you currently have a problem? Because as a community, we don't want to share in somebody's medical bills that's coming to the community sick, if that makes sense. Now, high blood pressure, high cholesterol, that's not really a concern if it's medicated and taken care of. Those things are unfortunately being American, right? So we're looking for people that, hey, I'm pregnant today. I want to join your share so you can pay$100,000 for my birth. That's not going to be a customer for us. But if you already had your baby, you can sign up immediately. You and your baby would be fully covered from that day moving forward. So look, I've ran into people that unfortunately have had, you know, challenges where moms had some sort of very unique immune disease challenge that, you know, would be looked at as a pre-existing, but we decoupled the family, Christian. What did we do? We said, hey, your your children and your husband are completely a fit for impact. Save$8,000 a year, bring them over here, let mom stay with who she's with now so that she can continue to get her care with her current situation. And down the road, if you know, 36 months pass and she's, you know, healthy and no no no symptoms, we can then join the family. But in the meantime, let's put an extra$8,000,$10,000 a year back into your family's budget.

SPEAKER_00 26:38

Nice. Okay. So talk about uh people over 65. So Medicaid, Medicare, that puzzle of am I covered, what's covered?

Nonprofit, No Network, Big Savings

SPEAKER_01 26:46

So uh we cover anybody over 65 that has Medicare Part A and Part B. Um, it's called a supplemental. Now there's no pre-existing challenges there. All that basically means is even if you're currently uh under doctor care or sick, we're gonna pay all medical bills that Medicare does not pay. Now there is a$1,000 what you would know is a deductible, so zero to a thousand, uh, you know, the members responsible for. After that, impact will pay uh all the bills. My mom was a retired school teacher. Her supplemental was$170 a month. Impact was$96. So, you know, she saved, let's call it$1,000 a year. But here was the part that really resonated with her. When you go to a supplemental, they have a network. And unfortunately, they're putting you in their McDonald's doctor. In a lot of cases, these guys are overworked, underappreciated. They don't really have a lot of bedtime manner because they're being, you know, they're overwhelmed with customers coming or patients coming in the door. Once she went to Impact, we were able to find a cardiologist that had a little bit extra time, was a little better with my mom as far as questions and answers and, you know, medication things. And so she was free to go anywhere because Medicare is basically anywhere. It was the supplemental that was driving what doctor she had to go see. So saved almost a thousand bucks, let's call it, you know, 800 plus dollars, was able to go to the doctor of choice, which was a huge benefit uh, you know, for my mom as a retired school teacher.

SPEAKER_00 28:21

Yeah. So really it doesn't matter what age you are, there's still options. And the older you get over 65, the rates get better and the benefits get better, is what it sounds like.

SPEAKER_01 28:30

Yep. And and so it's it's it's it's looked at uh below 65 on your age, right? Which think about it just like common sense wise. If I'm 22 years old, I should only pay 70 bucks a month. Why? Because I'm a brand new car, right? I don't expect anything to happen, right? I don't know. You've got 47,000 miles on it. Yeah, you're probably gonna need some tires and windshield wipers and other type things. So they're gonna they're gonna rate us according to our age. As we get older, we we have a small little increase over time, um, you know, as an individual or a family. And it's based on the oldest member of the family. So how they figure this out is you can quote yourself, you can literally put your date of birth, who's the oldest person in the family. In my case, it's me. My wife's younger than me. I've got two kids. Great. Then I can pick what I want my deductible to be. If I want a big deductible and I want to pay a little monthly share, that option's available. If I want a small deductible and a bigger monthly share, that option's available as well.

SPEAKER_00 29:28

Nice. Okay, so talk about some of the services not offered because that uh it's a nonprofit and has a you know values-based. There's some services that they don't want to provide. So tell the listener some of those services.

SPEAKER_01 29:40

Yeah, so we're we're, you know, as a community, uh, are not going to pay for transgender. So if somebody is looking to go in that direction, that's probably not going to be a fit for our community. That's gonna be something that they would have to pay on their own. Uh, you know, abortion would also be something that they would not uh uh as a community believe that we want to have to pay for something like that uh for a member. So uh pretty simple things, you know, not a lot, but there's gonna be some things that as a community uh they just don't agree with.

SPEAKER_00 30:10

Okay, yeah. So those are just awareness for that. I guess if you really wanted it, you could pay for it yourself. But that, yeah, that's a I like that personally as a value because I wouldn't want my money going to that either. So um, okay, so let's talk about because uh impact health is not the only dance at the ball when it comes to the medical sharing model. So give the listener a couple things that differentiates that you already mentioned that there's no religious requirement that a lot of them have. What are some of the other things that make impact stand out in your mind from other options out there?

SPEAKER_01 30:38

So, you know, a couple couple things. First of which, I had never heard of healthcare sharing. I am I am talking to people every day. Probably 9.5% of America doesn't even know this exists.

SPEAKER_00 30:51

9.5 or 99.5?

Maternity, Dental, Vision, Rx

SPEAKER_01 30:53

Yeah, right. I yeah, let's say just under, I'm under it. Okay. There's a couple million people on it. And let's just look at it as a whole. They have a 98% retention rate. Now, I don't know anything else in America that has a 98% retention rate, right? People come, people go, and whatever that may be. You know, maybe don't buy the same car every every time you shop. So there has to be a reason why people stick and stay, right? Why does somebody get in and never get out? Well, I believe there's a couple things. One, it's a little re-education to get in, right? So to your point, there's going to be many options in this space. Most of those options are a reimbursement model. And what does that mean? That means you go to your doctor, you pull your American Express card out, you ask for the cash pay option, you pay the cash pay, and then you send that medical bill into the share, and the share sends you a check. That's how this is operated for let's call it 30 years. And it's and it's done well. Like there are people that were 100% fine with that. Millions of people said, hey, you know, just in case, God forbid, if something were to happen, I got to pay for it first, but then I'll get reimbursed. So that's called a reimbursement. Where impact works and looks like a traditional medical insurance company. Uh, they give them a card, they walk into the doctor, they present their card, uh, the medical bills go to Impact. Impact would then negotiate the bill. All that means is make sure that we're not overpaying uh for the medical procedure, and then they would pay the medical bill on behalf of the member. So it works and looks and feels like more of a traditional type medical coverage for people like me that have never heard of bill sharing or healthcare sharing before. I'd like to say they're the modern version, if you would. You know, technology has come a long way. You know, they're not clunky like the old way of doing things. I think they had a great idea, but they just didn't have the technology to support their great idea. Today we've got uh a tech platform, which you and I were, you know, looking at just even a couple minutes ago, uh, complete transparency. Yeah people bills getting paid real time, doctors getting paid in 13 days. I talked to doctors, you know, on a weekly basis that said nobody pays in 13. You know, we're we're used to fighting. Remember, there's two sides to healthcare. One is the patient, that's us, right? We just hope to God we never need it and hand the card. And okay, let's get better. But the second side of healthcare is the physician or the medical practice getting reimbursed by the health insurance company. And so impact is 13 days on they they they they advertise less than 30 days to get the medical bill paid. But right now, today, they're running 13 days.

SPEAKER_00 33:44

That's the average, yeah, which is probably a breath of fresh air to so many doctors. But I want to piggyback on something else you said, just about the reimbursement model versus the bill pay model. So for about a dozen years, I've been using bill sharing, and it's awesome. But yeah, to your point, I would have to pay them the amount, and then I'd have to wait for checks to come in the mail from other people in that network. And sometimes they come late, sometimes they don't come. And and they're this just was like, oh, simplify. Like I just pay them and I don't have to, because we also had to send a check every month to somebody, and then did they cash it yet? Or like, I don't know. And to have that part removed is just so nice to go, oh, I just pay it like a normal recurring bill, don't have to think about it. And they the impact takes care of the rest of it. That was a big benefit to us. Um, just a little less logistics to handle. Uh, another thing. So you mentioned no religious requirement, transparency. Talk, let's pull up the member dashboard because to me, this was probably this may have been there's the savings and the ease of the technology was important. But the transparency impact has was like, you will never get this with a health insurance company. You can pull up the dashboard in real time and they will show you how much money they have in the bank, where it's going. And to me, it's in such sharp contrast to the model that we're all used to of this obscure where is the money going? Why does the C-suite have so much money? And why why does somebody want to shoot the CEO of United Healthcare in the back of the head? Like, what is going on behind the scenes? Here you can just pull up a dashboard and go, here, here's how much money impact has.

Pre‑Existing Conditions And Fit

SPEAKER_01 35:18

Yeah, so a couple of things. One, just to you know, show someone, hey, look, if you want to quote yourself, right? You can do that on your own. Don't need to call someone or, you know, put your own information in here that's gonna immediately give you what you would pay. It's gonna tell you some of the benefits, a concierge service. What does that mean? Meaning direct pay to any provider in America. So they have a concierge that says, hey, we'll call that, you know, hospital and make sure that they're happy with you coming and getting all their uh medical bills taken care of. The rewards we talked a little bit about, the annual wellness visit with labs included. Uh, we also have virtual health care. I mean, I've I've used this more than I wish I would, but you know, I've got kids, I'm sure you can relate, where it's like, no, let's not go to the ER. Let's talk to a doctor first. You know, let's make sure that this is, you know, big enough that we need to leave our house before sitting with a bunch of sick people. And then we also have virtual therapy, which unfortunately has really exploded after the pandemic. People just need to talk to somebody. You know, that's already included. They can use that as many times as they want. And now to bring up the dashboard, this is something uh, for those of you that are listening and not looking, uh, this is the most fascinating thing I have ever seen. I think what is the theme of the last 36 months in our country? Transparency. Right? I think that, you know, you turn on the television, they're talking about it governmentally. Where's the money at? Who's doing what with the money? This shows every dollar collected. This shows every member in what part of the country they're in, right? So 4,400 members happen to be in Texas. Here's the Taylor household. They just got a$251,000 medical bill taken care of,$68,000 medical bill taken care of. Now it's just their household. You don't you can be anonymous if you want. The reason why they post the name is they want prayed for. So if you want to pray for them, um they they encourage us to do so. But bills process 13 days. Here's the the beautiful part about it. So imagine where who shows the books, right? I I think we all would agree today that nobody shows the books. I mean, this is hey, how do I know my bills are gonna get paid? Because we have$40 million ready to deploy and pay people's medical bills. And then the simplicity of navigating, you know, my my uh my submitted bills. Here's my family. Uh, I was uh talking about this earlier, but you could see I went to the doctor uh November 5th, they received the bill November 10th, it was completed November 22nd. I owed$138 off of a$317 bill. Simple, yeah, not complicated. No questions of like, hey, what's the what's the deal with my bill? All of that is so, so refreshing. Uh, and I could talk about this all day. Prescriptions. I had unfortunately a woman that she said, well, I need you know, Metformin. Okay, great. Here, you know, pulls up the address of the customer, gives you the ability to be able to pull up uh what your pharmaceutical costs are. I can go to Walmart and pay nothing for it. People are paying$40,$50 a month for a drug that we pay no money for. And the reason we don't is because impact is not making money on the pharmaceuticals. I had no idea when I walked in with my Blue Cross card that the uh that the pharmacist could never tell me what the cost of the drug was because there was a markup from the insurance company to the pharmacy. And so when I found out that these drugs are cheap, as you probably already know, and that they're free for 99% of the drugs people can't believe. It's like, man, you know, this is really exciting for people that are looking to save money. I mean, this is a saving money platform, uh, it just needs awareness.

SPEAKER_00 39:28

Yeah. Well, that's part of why we're I'm doing this show is I love taking people out of broken systems or wasteful spending. And I do my best to get people off medications for the record and not need them, but when you're weaning off, that you gotta start saving money right out of the gate is awesome. So, okay, then another fun thing that you uh we talked about was the rate stability because everyone's used to their insurance rates going up. So talk about impact health rate stability.

SPEAKER_01 39:53

Yeah, so they've never raised their rates over the last six years. So let's start there. You know, every everybody else, there's not one that hasn't, period, across the board for the last six years. It's been, you know, whatever those uh percentages are. Some have been a lot, some have been, you know, uh uh, you know, double digits. And so uh impact's never raised their rate. What they've done as the community has grown and as the pot, if you will, of insurance, let's call it, has grown. Impact has found ways to give money back to the members. How is that? Well, they started with a rewards program that said, hey, we'll give you$100 a month off your quote unquote deductible if you go to a naturopathic doctor, if you go to chiropractic, if you eat vitamins, if you have a gym membership. And as our membership has grown, so has the amount of money that we've had. So in Impact said, hey, we're gonna go from$100 to$150 every month to give money back to the membership pool. So, you know, not only have they not changed the rates, not only have they added dental, added vision, not only have they gave us free um telehealth, not only have they given us uh, you know, therapy, right? So uh that we can talk to, not only have they given us, you know, some of these additional benefits that didn't exist six years ago, they haven't raised the rates and they found ways to give the money back.

Medicare Supplement Option

SPEAKER_00 41:21

Yeah, which is it just contrast that with what you guys heard me say in the opening monologue and the different mindset, the different humanity of we have money that we we gotta figure out a way to give it back to the people rather than we gotta figure out how much money we can extract out of you, which is kind of what the medical system or the interns more in particular has kind of turned into. And it's such a contrast to say, what other ways let's add more coverage, let's find different services people can go to, let's increase the deductible deduction everywhere we can. And they know their math well enough to do that, which is the part I love about it.

SPEAKER_01 41:57

Yeah, yeah. And look, I mean, nothing's perfect, right? So let's start there. You know, I don't want to, you know, uh overpromote and you know, this is not gonna be the perfect fit for every person that you and I interact with. But for people that that is a good fit for, we're saving people$10,000 a year. We had business owners that never offered health care, that had great employees, people that were part of their family, right? When you're dealing with 30 employees or 20 employees or 10 employees, you the CEO or the president or the owner looks at them more like family members than they do as employees because when you're in an office of six, you know, you sort of have your work family and you have your natural family. And to be able to say, hey, we've got an option that they've never even heard of. We've had literally business owners for the first time in the entire history of their company go into their employees and say, we can provide medical benefits. We can actually support you uh and your family in your time in need. God forbid you get sick, you're a family member to us already. And it has been some of the greatest stories that I've ever experienced because unfortunately, people are leaving that small business model and going to work at UPS or FedEx or Amazon or one of these, you know, companies, not because they're passionate about the vision of Amazon. It's because, you know, mom wants to have babies and you know, we're not gonna be able to do it working at the you know, the local mechanic shop that's never gonna give me benefits. So this has been extremely uh rewarding because we're able to give them something that they've never given. And in some cases, they pay 100% of it because it's 150 bucks a month or 70 bucks a month or 200. You know what I mean? Like the the because they're used to getting the eighteen hundred dollar quote or the twenty two hundred dollar quote or the nine hundred dollar quote, and we're walking in saying it's 200, but$200. I'll pay for the whole opposite$200.

SPEAKER_00 43:53

Yeah. So it's refreshing that business owners can do this. And um, they have a group by option at impact as well, where you can just bundle all of your employees into one bill. Is that correct?

How Impact Differs From Others

SPEAKER_01 44:04

Yeah, and we don't, and look, um, because we don't fall under the insurance guidelines, we can sign them up 12 months out of the year. Now, now, unfortunately, we we see job loss happening, right? You know, it's it's not as good as everybody might look in the media. We know that there is a uh percentage of Americans with AI and other disruption that are happening that are losing their jobs. And when you lose your job, you lose your health care. When UPS laid off 58,000 people that day, every single one of them were transferred to Cobra. And that is the full price of health care. And so you talk about a double negative. You know, obviously nobody wants to lose their job, and then to lose their health care on the same day, that's a that's a very tough pill to swallow. We've been able to immediately protect their family because we can offer health benefits 12 months out of the year. So that is a huge conversation. Because look, somebody in your audience now has someone they love that unfortunately has is looking for a new career. And if benefits are the driving factor, sometimes they have to take the first opportunity because they got kids. You got you got lots, right? So I can only imagine like we're not rolling the dice on health coverage, right? We're not we're one appendix away from bankruptcy, right? We're one gallbladder away from bankruptcy. Like, you know, 85% of all bankruptcies in our country are medical bill related. It's the unfortunate. Situation. It's something that nobody expected to happen. And so for us to be able to give medical benefits to people 12 months out of the year is a huge blessing for people. And then it on top of that is to be able to give them the freedom of choice. You know, we talked about going out of the country, right? People go on a trip and unfortunately, you know, have an accident. Well, we know that if you're in Mexico or another country, no one's going to pay that medical bill. That's your medical bill. So impact will actually reimburse us. If we pay an emergency medical bill in Mexico, we can come back, do what you've done for years with other shares, right? Send in the bill and they send you money. Impact will work the same way. So there's so many beautiful options that are here that people have no idea that goes along with the healthcare sharing uh benefit, including freedom of the medical doctors treating you the way they feel fit, you know, meaning we're not reading medical notes, impact's not dictating to the doctor, hey, push him into the pharmaceutical world. They're letting the doctor do what the doctor was trained to do.

SPEAKER_00 46:42

Yeah, well, yeah, you mentioned to me earlier you had a conversation with, I think it was Peter McCullough about medical freedom. Tell the listener his comment about what this model does for the patient.

SPEAKER_01 46:52

Yeah, so Dr. Peter McCullough, you know, I I only knew him by name, right? I think we all did, you know, this guy came out of total obscurity in my book, you know, double bird board certified, you know, Baylor, you know, just the straight edge, you know, just you know, like the kind of doctor you wanted to see, right? So as we're we're sharing this, and you know, and and it really fell on a lot of very vigilant people like you that said, we need to get the word out. Like this needs to be known by people. So he came and got a chance to hear the impact uh story and what we were up to. And at the end of it all, he said, Well, you got medical freedom. And I said, Okay, that's that's great. I don't understand. He goes, No, no, you don't understand. When you walk in the door, we have to do what the insurance company says. Right. If we know you're not gonna allow a PEP scan, we won't even write the script. If we know you're not gonna be allowed an MRI, if we know that they won't let you stay three nights in a hospital, but only one night, not because we recommend it, we feel you should stay three, but your insurance company says one, you will leave it one. So impact is not doing what these other uh you know type of companies are doing, which is dictating to the doctor. We're giving complete uh autonomy to the doctor to treat the patient according to the way that they feel is best suited for that patient.

SPEAKER_00 48:13

Yeah, yeah. And for those of you listening, if you haven't heard my interview with Dr. Stuart Fishbeiner and midwife Bliss Young, we talked about the handcuffs doctors are in and how employment and insurance and the buying up of the basic a lot of the healthcare world has created the problem Patrick just laid out. Like doctors really have freedom to just doctor again in a model where we're just trying to figure out how to do right by this person. That's what I love about this model or impact in particular, is they kind of just step back and say, what would be the ideal scenario? What would be the ethical thing to do? How would we actually genuinely care and take care of people? And that, you yeah, you're of course if one of your members goes overseas and has an accident, of course we'd help that person out. Of course, if they needed a device, if they needed a scan, we would cover that. We wouldn't try to figure out how to just keep our doctors with a focus only on profit. And it's so refreshing to go, oh, like humanity has returned to this thing that we uh call health. It's such a precious thing for all of us to have that be something that um you can step into for and and save a ton of money in the process. Um, hopefully you guys are catching the vision for what's so different about this model. So uh you that one other story I wanted you to put on the record here was the one about your wife needing a device for a situation that came up and what the doctor told you about what you could get and not get. So tell them that story.

Transparency And Fast Payments

SPEAKER_01 49:34

Yeah, so you look uh uh to your point, first of which this this story needs to be told, meaning people need to know this option exists. You know, I I would have I would have been here 10 years ago, even with the reimbursement model, right? Because I never hit my deductible except for two kids. And so for the last 20, you know, years, I just paid, paid, paid, paid, paid, paid, paid, and two seasons, two kids, you know, two deductibles met, and then every other, you know, three grand a month, 2,500 a month, you know, for for decades. So uh having said that, my wife broke her foot, and unfortunately, and you know, we did the standard orthopedic and we did the uh podiatrist, you know, you have no network. So finally I said, Look, it's not healing, like this doesn't make sense, you know. Let's go see um the Dallas Cowboys orthopedic doctor. So I Googled him, right? So who is the Dallas Cowboys, you know, and you know, here, here, you know, came up the orthopedic doctor, and we went to see this man and and you know, great doctor, and obviously, you know, dealing with people that, you know, their body is really important, you know, that is their moneymaker. And he said, You've got a uh a break, it's a clean break. He said, but you're gonna need what's called a bone growth stimulator. He said, because it needs to stimulate the bone to start to grow, right? That you have a clean break, and this is where you're at. He goes, now unfortunately, um, it's gonna take you about 16 weeks to get it because insurance will make you follow a protocol, right? So they're gonna make you do this and do that and spend time, and eventually they're gonna come to the same conclusion I already came to. He said, now the athletes just buy it, right? It's a couple thousand dollars. He said, you know, they don't want to wait 16 weeks, they need to get back on the field. And so uh the doctor wrote the script, and the following week we had the device, and and and he was so blown away, Christian. He was said, What is it you have? Right? Like, why, how did you get it? You know, because of the fact that impact said, if that's what you need, that's what you get. And again, to to for us as a family, uh, that was really what it went from, you know, from a this is great to we have to tell everyone, you know, and and I don't care if I'm sitting at the school line picking up my kids, my teacher, my kids' teacher, she said, what you know, what are you up to or what do you do? And I said, I help people with healthcare. And she was like, You're funny, you're saying that the school system only pays for the teacher. Not that kids were paying$1,500 a month. Now, nobody's getting rich teaching school. I think we all would agree, right? So$1,500 a month, I show her, pull up a little thing,$372, immediately save them$13,000 a year in one little teacher conference, just showing them what I showed you, let them go in as a quote. Hey, you can talk to Impact, you can get your questions answered. And so, you know, for me to be able to give back in that way, to say, look, that's a vacation. I mean, a nice vacation, right? That's a twice. I mean, you're going somewhere with sand and palm trees and and you're having a great, you know, magic moment with your family, all because I opened my mouth and said, Hey, you know, this is, you know, an option that I'm you might not know exists. And I was blown away at how many teachers don't have health benefits for their for their family.

SPEAKER_00 52:55

Yeah, right. And now they are aware of an option that they weren't before. So we're doing our job. Okay, well, let me let me uh type a couple other loose ends. So back to the doctors, and um, any doctor that is that my audience is probably more in line with like a direct primary care. If you're a doctor and you have your own more or less membership model, you don't take insurance, you can still take impact. So say that for me in a different way. Let them know that this is a part of one of the ways they hadn't thought outside the box of insurance or no insurance.

SPEAKER_01 53:24

So, what's what's wonderful is we work with direct primary care doctors. And the reason I share that with you is if you see a direct primary care doctor, you're allowed, right? Do you have a direct primary care membership? You can take that off your monthly deductible or what we would know is a deductible, it's called primary uh responsibility amount, but you can take that off. So I've helped multiple primary care doctors because they said, look, you know, we're here for the the consultation, the snipples, the you know, need something now type situation. But if you need your appendix out, we're not gonna do it at our office. You've got to go to the ER, you've got to go to a major hospital to get that done. So we've been able to put this on top of what they already have, give them the protection for the unfortunate major problem, but at the same time, work in relationship with people that fall into that model. And it's been a breath of fresh air because one, some of these people don't have major medical, right? And my direct primary care doctor said, you still got to get major medical. Like, you know what I mean? I'm not gonna let you walk around without it. I'm gonna be your 99% of the needs you're gonna have, but that 1% need of a broken arm and needs to be re my wife's situation. We're not gonna do that in the office. You're gonna have to go see someone else.

SPEAKER_00 54:50

Yeah. And then chiropractic too. I was refreshed to see that that gets covered by impact. So let people know about that option.

SPEAKER_01 54:55

Yeah, so we do 50, 5, 0, 50 visits for physical therapy, 5.0 a year per member. And uh part of that would fall into the chiropractic space as well. So again, for people that, you know, want to go in that direction. Now it's more for people that have been injured, you know, they're not there for maintenance purposes. I go for maintenance, like I've been under chiropractic care, practice my whole life. Uh, but I take the my adjustment off my uh, you know, off my monthly uh uh$150 reward uh because it's it's for maintenance purposes. Uh unfortunately, my brother was in an accident, trauma center, uh, you know, got out, physical therapy. He did all 50. But what was great about that was he was able to interview the physical therapist he wanted, right? Because my brother's a little bit of an, you know, like I need someone tough. So he was like, I went to three different ones. And the third one, the lady says, You won't like me. He said, Well, you're my girl. Like, you know, like I need someone to push me and make it hurt and get me through this and on my way to getting healthy again. But it was just cool for him to be able to go to three different ones to find the one that was like, hey, we we mesh, let's do 47 more sessions. I used my first three figuring out who I want to use, and then from 47 on, uh, he used the same woman that uh uh and in and by the way, he he lives in Puerto Rico. So let's start there. So he lives in Puerto Rico, got in an accident in Puerto Rico, went to the number one trauma center in Puerto Rico, had all of his bills paid by impact, had his physical everything. I mean, imagine if he would have had another option. We all know they would have, well, Puerto Rico, that's not America. No, well, technically it is, but all of his medical bills are paid.

SPEAKER_00 56:39

Man, fantastic. Okay. Well, the other thing I want to highlight for people, I guess before I get there, any other loose ends related to coverage, not coverage, thank you. Questions people have?

SPEAKER_01 56:50

Yeah, look, I I think the only question that people have is why is it so inexpensive? You know, we've already addressed that because we're dealing with people like me that never heard of this before. So there's little re-education, right? There's a little, hey, it's not a cab, it's Uber, right? It's not a hotel, it's Airbnb, right? It works the same, feels the same, a little better in certain situations. That's where I think impact lands into that, in that, in that place. Second part of that is, you know, when it comes to will my doctor take it, impact will have you go get a physical, right? So what I do when I sign somebody up with impact, I said, Great, call your doctor, schedule a physical, right? Your primary care doctor, and impact will reach out to the doctor and prepay for the physical. Now, when that doctor gets prepaid, your doctor's gonna say, I've never seen that in the history of medicine, that somebody's prepaying for a physical, but it puts us into their billing system. So we never have to have a challenge moving forward, right? All hospitals are already in the same clearing houses, things like that. But that's gonna be the only, will my doctor take it? Yeah, we're gonna have you go to your doctor and we're gonna have you go get a physical one, go get blood work so that you are able to continue to see that family doctor as much as you want. But it's going to allow us to partner with them, go into their billing system, and we'll never have an issue outside of that. So that's really the only pain point, I would think, for people to go, hey, yeah, your doctor probably never heard of healthcare sharing. They definitely never heard of impact health. Like, you know, the odds of them hearing of impact is probably zero. But when you get your physical and they pre-pay for it, they'll know who impact is and they'll be uh uh graciously excited about wanting to do uh, you know, business with impact.

Stable Rates And Member Rewards

SPEAKER_00 58:32

Yeah, well, and I think I've heard a story or two of people who have gone, they've showed the card, and the person at the desk says, We don't take this, and they say, Yeah, actually you do, you don't know it. And they they get them to call impact and play says, Oh, yeah, okay. They're our in our community, we'll cover that.

SPEAKER_01 58:46

Yeah, there's there's an 800 number on the back, there's an EDI payer ID number. You know, but but again, if you go in and, you know, hey, I never heard of that, you know, because remember, they're pretty conditioned at this point, unfortunately. Like, you know, we only take Blue Cross, we only take United, you know, so it's a little bit out of the box for the person at the front desk. But uh, as long as they can contact Impact, you know, there's gonna be no issues. And again, for me, saving$24,000 a year, I'll deal with a couple little bit of hurdles. Like, you know what I mean? Like I'm over, I'm I'm over$100,000 in savings since saying yes to impact. So, you know, to me, you know, little speed bumps aren't a big deal when you're saving that kind of money.

SPEAKER_00 59:26

Yeah, that's a good point. Because I I have that a lot in the natural health world, is helping people get comfortable, familiar with a new tool. And impact's just another one of those. If you want, if you want coverage for anything significant, I've got five boys, I definitely want to have back up if anything happens. Then yeah, I've got I've got a uh this in my pocket, and I have a little bit of uh education to go through to use it well. But yeah, the peace of mind is just awesome to know that's there. Um I guess the one last thing I want to highlight because this another thing that stood out to me about impact. So the the previous healthcare bill sharing company I was with, they would pay me 100 bucks for anybody referred. And I love the model and would refer people, and I got a one-time payment of a hundred bucks. Impact also uses just relational marketing. They don't have big ads they run. You won't see a Super Bowl commercial for it. They just they offer referrals or commissions to somebody to refer them, but they pay it residually. Every single month somebody pays their bill. I could get a referral bonus. I'm like, wait, what? So tell people a little bit about that. If they're interested in helping promote or or share this model, they could make enough to cover their monthly bill, or they could make more if they so choose. So let people know about that aspect of impact.

SPEAKER_01 1:00:36

Yeah, so uh impact is very smart in looking for an affiliate type relationship, like because this needs a nurturing conversation, right? I would have walked past impact if it was a billboard on the side of the road for$400 for health coverage for my family. I would have said that's for poor people, that's not major medical. Me and my wife would have drove right by that, never looked back twice because you know that wouldn't be for us as business owners. So, what impact had said is said, hey, listen, if you will help bring us members, right? If you put the word out, if you let people know there's another option, we'll partner with you and we will pay you a percentage of whatever they spend on a monthly basis. So it's called residual income. So the beautiful part about it is by making natural referrals, impact will talk to the customer, impact will educate the patient, read the guidelines. But if they came through you, impact will pay us every month for as long as the customer stayed on the service. So for people that are looking for that additional income, or, you know, look, I would be promoting it even if I didn't get paid. Like this is that good, right? I feel that obligated to do it. But my experience is that you can't mention healthcare in today's world and not have 20 people want to hear more. I had a woman that was on next door, I don't know if you know what that is. It's sort of like a community, and she said, Hey, I, you know, went to Impact and I saved$20,000 a year. And literally, she had comment after comment after comment after comment after comment of people like, Tell me more. And so uh I believe they've picked the right way of doing it, which is giving us an incentive to talk to people, but an ongoing payment that we can continue to make money on. So let's say you referred, I don't know, 50 people, you would have about a$2,000 a month recurring revenue. So no one's breaking any sales records. But you know, if you got 50 friends or 50 people that you believe that would benefit from another option for healthcare, great, let us pay you for that. Let us keep paying you for that and maybe get more motivated and get a couple more, maybe not do that much and just pay your own share so you can get free health benefits.

Small Businesses And COBRA Relief

SPEAKER_00 1:02:50

Yeah, it is as aggressive as you want to be. If you know of you know a friend who owns a small business and he's paying for his employees, then you could sell you know 10 at once and then impact just pays you for that. So it was refreshing to go, wait a minute, that I'm already doing this. Like you said, I I've been telling people about this for years. And you know, the one-time bonus is nice, but I want like you, I wasn't in it for the money. It's just worth sharing because it's just pulling people out of waste. And now to know, wait a minute, just by sharing it, they'll let me know. Uh, they'll say thank you every month with a little commission. That is um, that was another draw that made me say, I've I have got to get the word out about this more. Because what in a in my realm, I censorship's a real thing, and I could be unplugged anytime, and big tech can just say you're done. And some sort of other diversity of income to say, you know what, that that makes sense to me. Let me promote something I actually believe in that I've been promoting and believing in for a long time. So um, any other aspects of that that you want to cover or things that are unique about impact that we didn't get to?

SPEAKER_01 1:03:49

Uh look, I I I think to your point, we put on 4,000 members in the last 90 days, right? 4,000. And we the math behind that was they saved 60 million dollars. So those 4,000 people collectively saved annually over 60 million dollars. And so that is a big number for a small group of people. And so, you know, I feel a couple things. One is what you're doing is needed, right? People need to know about other options and you know how to self-care and how to eat right and how to have the natural, you know, let nature take care of you. And and so I think there's a a real synergistic opportunity for us to be able to let people know. Look, I tell people impact is designed for smart people. And the reason it is is because you'll do the research. Yeah, right. This is too good to be true, right? We've heard that a million times in a million, you know, hey, Amazon's gonna bring me a box to my house. That's too good to be true, right? Oh, I don't have to go to Blockbuster anymore. You're gonna watch a movie online. That's too good to be true. We've all seen a lot of too good to be trues. Unfortunately, we didn't get compensated uh for spreading the word on a good too good to be true. So, you know, this is one of those that needs to be told. We've signed up uh chiropractic associations, the biggest association in the country. Uh, we signed them up to promote impact. So when we're able to get providers sharing with people they know because they're on the other side, right? Remember, we're still the patient side of things. We don't know what's going on behind the scenes, but when you have, you know, complete associations promoting impact, saying, hey, this is good, like this is good for everyone, I think it speaks volumes about the product because again, we're only on the patient side, right? We saw the savings and pretty easy for us to do the math. And hey, we've never really needed it, and it's for the just in case. But when you go on the other side and have people on their side saying, this is better for the customer, you know, we're not, we're not getting rich. The doctors are not, um I uh newsflash, you know, the doctors didn't get a 30% increase in pay, right? That's why they're going into the cash-only practices and the direct primary care, because they're not benefiting on these massive increases that are taking place around the country right now. That doctor is not making more money because you're paying more money.

SPEAKER_00 1:06:22

Yeah. Well, one other thing I'll I'll mention that for me, this has given me, as somebody as a health coach or somebody in the that runs programs, is it's given me creativity of how I can also help some solve someone's financial problem. So free up the funds they need to be able to help where I can help. I can save some, if I can save you 2,000 bucks a month on your insurance, it's pretty easy to find the funds to be able to afford other things to take care of your health. And that's been fun for me to be able to get creative and say, well, let me give people incentives within my own program to get into impact. And then everybody's winning.

Global Coverage And Medical Freedom

SPEAKER_01 1:07:00

You know, it's it's uh interesting. Uh uh Monty Phelps, big, big, real a big mortgage guy. So he's a customer, right? So did what we're all doing, right? Saved a bunch of money. And he was like, I'm looking at a loan application, right? Lady works for a major business, but remember, healthcare is not free for the W 2, right? They're taking money out of their check every week, right? So she's got$400 a week going out of her check for health care, right? So she's at$1,600 a month. He's looking at her loan application. He Looked at what he paid for healthcare to your point,$500, called her back up and said, Hey, look, there might be another option, and we've got an extra thousand dollars to put on your mortgage, and you can go get that house that you did say no to because you didn't have the extra thousand dollars a month for a mortgage, and he was blown away. So I've had stories of people that have repurposed that savings into other offerings that the American public just said, hey, I would love to do that, but unfortunately I can't. And now they're saying, Well, what do you pay for health care? Yeah. I think I found where all your money is, right? I I found your retirement. You know, the American public doesn't have a retirement. I found it. I found your retirement. It's been going off to uh uh to a major healthcare provider that we can now repurpose back into your 401 or you know, another vehicle that can protect your family.

SPEAKER_00 1:08:26

Yeah. So for any of you listening that are kind of somewhat business minded, or you're like Patrick and I, we we like to say, how do we shift things on a much bigger scale? How what would it look like? I mean, if you just imagine if millions of people started doing this, the amount of money that could go to other types of flourishing, that would be that's part of the way that we vote with our dollars and we we don't have to shake our fist at the system, we just stop doing business with it. We just leave it. And the number of opportunities out there, if you have a creative thought of well, how else could I help people switch to a better model, save money, and put it to a use? So it's endless. Hopefully we we tickled your brain enough with different ways to imagine not just the you know the patient side and the savings, but you know, well, what could I do? Is this something I would want to be participating in to help people, perhaps both with their health, with their finances, and and to see where that goes. So if that's interesting, um reach out and we can talk about that. But um, anything else we want to cover, Patrick? Anything I forgot to ask you that would make for a good footnote to this episode?

SPEAKER_01 1:09:27

Yeah, so one thing we got to remember with impact, we don't have to be product experts. You know, I know a lot of times people go, I don't want to learn a bunch of stuff, I don't want to have 27 questions, you know, my neighbors asking me colonoscopies and mammograms and you know what I mean? Like I don't even know what those are, right? So I think we would agree. What makes this relationship so good is we pass the interested person off to impact. Right. Let that sink in a second, right? My neighbor that owns an HVAC company said, Hey, my wife's got a couple questions. I said, I will just send you in as a lead. Impact will reach out to you, they'll go through their entire program. If it makes sense, you can become a member. If it doesn't make sense, you don't have to become a member. It took me zero time and zero education. The reason why I know everything about it, because I've been doing it for four years. But when I started just promoting it, I just let them talk to the experts. So I want to take that burden off of somebody here today that says, hey, look, I like it. I could see how this could be beneficial, I could see how people could benefit, but I don't want to go back to school. I don't want to spend any more time learning anything else. My brain's already overloaded, but I'm a great connector, right? I'm a I go socialize, I belong to a church, I I like to play cards on SAT, whatever that is for your audience member, just remember we are handing them off to a trained professional. And the beautiful part of impact is their nonprofit. So when people are done talking to them, it's not talking to a salesperson, it's talking to a teacher. Right? There's a different mindset there. It's it's let me educate you. This might not be a fit for you, but let me give you what we do, let me tell you how we do it. And if you like it, welcome to the community. And if for some reason this isn't a fit, we're still, you know, we're still friends and all the best, and there's no no time out of my day.

SPEAKER_00 1:11:24

Yeah. And you don't have to go through the automated labyrinth that people are used to with calling your insurance company. You just call and get a get your questions answered, and you talk to a real empathetic human who might actually pray with you. Like, what a difference.

SPEAKER_01 1:11:40

The real people in our country that you can talk to that will answer your questions, and we have lots of money, so we're not trying to go AI and a million other things to you know, put a million loops together so we deny every claim or whatever else that looks like impact tries to find a way to pay the bill. That's the part that I think people are the most blown away. Is like they're trying to figure out how do we pay the bill instead of how do we not pay the bill.

SPEAKER_00 1:12:07

Right. Cool. Okay, well, we'll kind of wrap up with that note. So, uh, Patrick, for anybody that's listening that wants to find out more about you, Impact, what what would be the way to follow you or or uh learning?

SPEAKER_01 1:12:17

So easy. Just my name, Patrick Maser, PatrickMaser.com. You know, all my links are on there. Um, welcome any any question. Just let me know how I met you, you know, through the show so we can make sure that everything navigates back to you and and your organization. And uh and just look, I want to thank you because I've listened to your show and I know you're doing good work. And I just want to appreciate, on behalf of people that can't tell you what you do is making a difference. I want to tell you that here today. So just keep doing what you're doing and uh and thank you for making a difference.

Devices, Access, And Real Stories

SPEAKER_00 1:12:48

Well, thank you for the kind words. I'll take that. And uh it's been great to have you. So thanks for joining me today. Okay, a couple of quick footnotes as I wrap up this episode. If you're interested in finding out more about Impact, you can look for the link to their site in the show notes, or you can find a link to Impact on the resources section of our website at healingunited.today. On the Impact page, you can get a quote, and if you're ready, you can sign up. For context, it took me about 30 minutes to sign up our family of eight. If you have additional questions, you can also submit your contact info to Impact, and a real human will reach out and patiently answer all the questions about your specific scenario. For those of you who heard Patrick and I talk about the recurring commission referral program, and that piqued your interest, especially if you are someone who has influence with a large amount of people, if you want to strategize with me about how we could help people switch to bill sharing and exit the wasteful insurance system, I have a special link in the show notes where you can book a 30-minute call with me to explore that option. From my perspective, it never hurts to have multiple ways to earn income in our crazy world, and it's fun to be able to point people to something you'd recommend even if there wasn't a commission. Impact just happens to be brilliant in the way they incentivize people to share what they do. And lastly, if you've been interested in our coaching programs, but finances have held you back, the money you save by switching to Impact may be your ticket to freeing up the funds to afford one of our programs. And from time to time, we will even run specials where if you sign up for Impact, you can also get discounts on our program. So you could think of that as a double bonus. Now it would be our delight to help you have more health and wealth. And if you want to know when we run those specials, make sure you are subscribed to our newsletter. You can opt in for that at the footer of our website at healingunited.today. Okay, I will sign off for now. I look forward to hearing your stories, maybe hearing about the money you're saving, and with some of you hearing what inspiring ideas and divine appointments come from today's conversation. Go make a difference, and I'll catch you in the next episode.