Episode Transcript
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Speaker 1 (00:04):
Hi's Ryan Thomas with John Roullman from Cover Since you
can find on my line at Coversinc dot com. It's
another edition of Rethink Healthcare together, normally host of the fifty
five Case Morning Show, but every Sunday at this time
I get to talk to him about well medical insurance
generally speaking, but there are other elements we need to
speak about, and today is one of those days. They're
going to be talking about other elements. It's always a
pleasure to talk with you, John Roulman, and thank you
(00:25):
so much. I key every week I'm getting some kind
of email or some person comes up to me and said, oh, man,
I took your advice from a call John Rulman, and
they're happy. It's like they did, Oh he did a
great job for me. I got better medical insurance coverage.
I'm not paying as much. I actually got dollar one
coverage for some regular things that I got to do
throughout the year. So God bless you for taking such
(00:45):
great care of my listeners. And I know that's your job,
but I wanted to thank you on behalf of them
for doing such a great job.
Speaker 2 (00:52):
No, we absolutely appreciate that. It's it's very heartwarming. To
hear that, you know, and it's it's it's our day
to day. You know, so many people don't stand insurance
and they always think, hey, I'm covered, I got really
good coverage. I'm paying a lot of money for it.
And you know, when they sit down with us and
we have that conversation, it's it's eye opening together. Absolutely,
(01:13):
it's eye opening because they sit there and they looking like,
oh my god, I didn't realize I lacked coverage in
these areas. I didn't realize that I was gonna have
to pay nine grand before my insurance even kicked in
to pay anything. You go, I've been paying for all
this time. We don't really use it, and then god
forbid we did. We're in a tough spot. So that's
that's what we do. We sit down, of course, like
(01:34):
we talk about every week, analyze what they have, you know,
find the holes, you know, figure out how we can
plug them. And you know, for the majority of the
people that we talked to, they will leave our office
better informed and in a way better situation than they
found themselves when they walked to that.
Speaker 1 (01:49):
Yeah, and as I've drawn the pairl I've always drawn
You're a financial planner for medical insurance and other insurance
related issues. You talk to your financial planner, they're going
to ask you about what do you spend, how much
of you that, what do you think you need for retirement,
what are your day to day expenses? On and on
and on. Do a deep dive into what you have,
and then create a financial plan to make recommendations for
investing on that. You do the exact same thing, except
(02:09):
specific to the individual where they are in life, because
that part can really impact what they should be considering.
By way of coverage. Right when you think about getting
close to retirement. You got all kinds of advice for
those folks that are getting toward medicare age. And we'll
maybe give you another opportunity to warn people again in
advance to hurry up and get on the list to
(02:30):
talk to you before the open rollment period comes in.
But that's what John and the team are all about
coversince he dot com and I always tell people, you know,
do one of two things. Reach out. There is no
obligation to you initiate a conversation by calling John on
the team or fill out the form at his website,
which is coversince he dot com. And his number is
five one three eight hundred call. That's two two five
(02:52):
five five one three eight hundred two two fivey five.
So we're taking a different turn today. Why tell the
listeners what we're exactly we're going today?
Speaker 2 (02:59):
Well, today, you know, we wanted to bring to the
show an opportunity to actually hear from the side that
we're paying for, right, So, you know, we set up
plans for our clients and the hopes that they're well protected,
and you know, our goal of courses bring resources on
this show so they stay better informed. And you know,
one of them today, I have the honor of bringing
in Matt Schaber and Alex Hobbs. They're both He's Alex
(03:23):
is a nurse practitioner and they're with APEX Urgent Care
and Wellness Center right here in the west Chester area
and they own a private practice and urgent care. And
the best part about it, you guys are not affiliated
with the hospital groups. So I talk about that all
the time, just the sheer costs when these facilities are
you know, you walk into an urgent care or god forbid,
(03:44):
an emergency room and all of a sudden, now I
have the lab that I'm recommending to you and everything
like that is all affiliate with the hospital. So you're
looking at you know, instead of hundreds of dollars of
at of pocket expenses, you're looking at thousands.
Speaker 1 (03:55):
Oh, this is like my the commercials I do for
affordable imaging services. Yeah, freestanding imaging and it costs you
like one hundred and fifty bucks compared to like one
hundred and fifty thousand dollars. I know I'm exaggerating, but
if you go to the hospital to get a CT scan,
you're going to be paying thousands, where if you go
to affordable imaging you're paying you know, four hundred and
fifty bucks or something.
Speaker 2 (04:15):
It's like that, right, absolutely, So we'll talk a little
bit to these guys here and we'll tell a little
bit about their practice and what they're doing there. That's
pretty unique I think in the market.
Speaker 3 (04:25):
Yeah. So I'm Alex Hobbs, nurse practitioner at APEX. So
we run an urgent care, but we also have a
full wellness center, so we offer hormone therapy. We have
a sauna, cold plunge room, we have a full gym
in the back that we do some therapy out of.
For people if needed, or personal training for that matter.
(04:46):
We work with a massage therapist if you need to
get in for massage. So I started off. I worked
in a hospital downtown u SE for about ten years,
and I actually I went to Miami University. I went
to UC from a master's and I got to see
the spectrum of healthcare and just the expense that it caused.
(05:08):
And my first job as a nurse practitioner was in
urgent care and even seeing the bills that came through
for them and hearing people complain about the cost. And
then COVID happened, and that was tragic for everybody and
every aspect of life, as far as having to stay
at home and worrying about is this actually going to
(05:29):
hurt me? And I saw a flood of people. I
was seeing one hundred, one hundred and fifty people a
day in twelve hours, and it was difficult. And then
my partner, Matt, he was part owner in a gym,
and I was like, well, you know the business side
of things, I know the medical side of things. And
I put the pieces together as far as the complexity
(05:52):
of law, like, we need a collaborative position. So we
found that we got our LLC name, and we eventually
luckily found a space where an emergency medical physician wanted
out of his office and it was in Westchester, and
we're like, this is a perfect location. So we were
able to open the doors. We got started. We literally
(06:14):
saw our first patient and that was in shorts on
a T shirt and they walked in and said, hey,
you guys open and I was like, well, technically we are.
I'm not dressed for the day, but.
Speaker 4 (06:24):
Around the place there and but they're like, yeah, come
on in, we're approved. Let's roll.
Speaker 3 (06:28):
If that's a perfect image of like, I'm not ready
for this, but I will take care of you, and
we legally could. So I was like, yeah, let's let's
get your kid feeling better. And so our whole mantra
is taking the standard medical visit and like not not
saying looking at your labs and saying, oh, you're healthy,
(06:51):
but what can we do outside of that, Hey, your
hormones are low, Hey your vitamin d's low. You could
really benefit from doing some sessions in the sauna to
help decrease your inflammation. These are the supplements that could
help bring down your cholesterol, get your energy levels up
without having to put you on a medication for the
rest of your life.
Speaker 1 (07:09):
A holistic approach.
Speaker 3 (07:11):
So holistic approach, functional medicine, whatever you want to call it. Yeah,
so we kind of blend those two now. Obviously, if
somebody is very sick, we will recommend obviously the standard
medications and as far as the cost of everything as well.
We do use QUEST, which is a large lab, so
we do send that out through insurance if people want
(07:31):
to use their insurance. But at the same time, our
standard office visit is one hundred and fifty dollars. If
you want to come in for a full wellness visit
with a full blood panel, we work with a smaller
lab called Access Labs, and we can send off a
full panel of blood work with the office visit for
three hundred and fifty dollars. Oh, including the office and
that includes hormones as well.
Speaker 1 (07:49):
Oh wow.
Speaker 3 (07:50):
So yeah.
Speaker 1 (07:51):
I used to do commercials for a company that did
hormone replacement therapy and weight loss and that kind of thing.
And well, the benefits of hormone replacement therapy are insane
and I know that in Europe they've been using it
to treat high cholesterol levels for years and years and
years they don't use those pharmaceuticals to treat to treat
a high cholesterol. It's hormone balance and it has the
(08:13):
side effects of you know, libido enhancement as well as
you know, a memory clarity, and you know, there's just
the list of benefits is just seemingly endless with hormone
replacement therapy.
Speaker 3 (08:25):
And it's the for men. It's the midlife crisis. You
don't feel like doing anything, your marriages in the gutter,
like you're libidos, down to do anything, and getting these
guys on just healthy amounts of testosterone gets them feeling
much better. It saves marriages.
Speaker 1 (08:41):
It helps well women too. Suicide, menopause time and the
hormones get all crazy. You can balance those out and
overcome the problems of menopause while also saving the marriage
in terms of the bedroom activity as well. Know, I
know some women who are on hormone replacement therapy, and
I mean their husbands will I'm into me. It's like,
Lord almighty, gents, this is amazing. You know, it's her
(09:04):
idea all the time. You know, it's like, wow, yep.
Speaker 2 (09:08):
That's funny though you mentioned that, you know, because on
our side. You know, what we see, of course is
the bills, right, So I'm looking at bills all the time,
or clients calling in, going hey, I just wanted for
a regular doctor visit. He said, I probably have something
going on. So they send my labs out, and you know, again,
most of the private practices aren't out there anymore, most
of them, these doctors are, you know, they leave with
(09:29):
the hospital group. We don't see doctor Smith private practice
on a sign anymore, you know, it it's what hospital
group they're affiliated with. And it's just kind of a
funny story. I remember, you know, my wife going in
one time and they were like, hey, you've got something
going on. We want to do some blood work, right,
So this is a private practice we've been in for years,
and they have their own lab sitting in there. So
(09:49):
I was like, all right, well, I'm pretty accustomed to
what the lab bills are going to be. It's not
really that expensive because they haven't in house lab. But
once they sold out to the hospital, what I saw
was you know, doctor visit charge, right, that came from them.
But then the lab bill came from the hospital, and
the hospital wasn't even like in the same town I'm like,
I don't understand the labs here in the doctor's office.
(10:11):
Why am I getting billed from a place fifty miles
away for the lab bill. I'm telling you it was
always a thousand dollars for a blood panel. And I'm like,
because it wasn't considered preventive care, it wasn't end up
being free on our insurance. And you know, we had
to pay almost a nine hundred and eight dollars lab bill,
where I knew from shopping around that hey, if I
would have went directly to Quest or any of these labs,
(10:33):
it probably been one hundred bucks or something around that level.
So to hear that you can go in and get
a physical and get your full panel with hormones and
all that that I've seen typically crack one thousand dollars
just on a lab work bill for three hundred and
fifty dollars, you're talking about a third of the cost.
Speaker 1 (10:51):
Yeah, and that you know, I can't let that comment
go by without, you know, using again my son, as
I have done so many times on the show, and
apologies the regular listener to the rethink healthcare together. But
the insurance plan that you have my son under has
that set amount, and like his physician visit, I think
he was charged one hundred and fifty bucks for the
(11:12):
physical and he ended up getting a check back because
they had allocated four hundred dollars for that visit. So
in that scenario, if they're allocated for four dollars, he
can get everything done, including this full panel of blood work,
and he'd get a check back for fifty bucks.
Speaker 2 (11:25):
Absolutely, I mean, and that's that's what I mean. You
took the prohibitive piece away, right. Everyone listens to health
insurance all the time and go, oh, yeah, I got it.
It's always a you pay situation where I got copays,
I got deductibles. You're always falling into these traps of
is it benefit to me to have to pay to
go get the physical. I was talking to these gentlemen
(11:47):
here before we came on the show, and you know,
we were just kind of talking about, you know, I
have so many clients that you know, we're doing anular
reviews right now with them, and I go, oh, how
did everything work out with you for the last year?
And he changes medically did you even use your interns?
And you get all these guys that are in their
fifties and they go, well, I won't go unless something's
falling off right right, right, right right, And it's just
(12:09):
like I look at these I mean, I've been doing
this nineteen years, Brian. So you know, we track kind
of statistics just in our office, and you know it's
it's the guys that are in their mid fifties and
all of a sudden, it's heart attack, it's stroke. I mean,
they're time bombs waiting to happen. And the way we
set these our clients up, it's I'm telling them, like,
(12:33):
why aren't you going to a place like this where
I'm gonna show you how their bills are gonna be
less than what your plan pays. You're gonna walk out
with it. I'm basically paying you to go get this statement.
Speaker 1 (12:44):
No, that's it. And you know the other component of
that is, oh, I don't have to pay anything. I'm
gonna get some money back. The answer is yes, you
go in, you do that, and then these guys can
turn your your declining fifties into a you know, one
of the best periods of your life. I mean, that's really,
from what I understand, a solid conclusion you can reach
(13:06):
by going with hormone replacement therapy for example. Not to
mention the other therapies and treatments you offer. I'm not
discounting them at all, but that would provide a vehicle.
You get your physical, you get your blood work, you
know where your cholesterol levels are, you know what your
PSA is. Oh and by the way, your testosteron is
almost zeroed out, which is why let me guess your
lethargic you got no libido, just kind of laying around
(13:28):
with no motivation. Hey, we can fix that too.
Speaker 4 (13:32):
Oh.
Speaker 2 (13:32):
Absolutely, yeah. And that's a huge benefit to what they're
doing here, is you know, by offering all those extra service.
And that's why I wanted to bring them on here today,
because there is other opportunities. I just think people don't understand.
They can shop around for things. They can find a
better deal, like we talked about with the imaging. You
can find better physicians offices, you can find better facilities
(13:53):
that aren't attached these hospitals that are going to rake
you over the coals with these bills. And it's all
about knowing where to go, where to get these resources
from so that when your plan pays out, you're not
out of pocket. That's the goal. You want to make
sure your insurance plan is going to cover at least
one hundred percent maybe more of what these bills really
transpire to be.
Speaker 4 (14:14):
Okay.
Speaker 1 (14:14):
When I think of an urgent care facility like APEX,
your guys organization, I think a place that you know
you go if you've got no place else to go, Like, Okay,
I want to avoid the hot I want to avoid
the hospital emergency room. Yeah, but if there's an urgent
care facility, I know the way time is going to
be shorter, at least in every instance that I have
(14:36):
used them. And I've got kids now that are adults.
But you know, we've been through this process. But what
you're suggesting is that you can go to APEX, for example,
to get a regular physical. You don't have to think
my doctor, my PCP, my regular default guy. It's like, well, hell,
I can just call APEX and make an aployment, go
on and get the physical and get the blood work,
(14:57):
and I got the whole thing covered. Yeah.
Speaker 4 (14:59):
Part of our well mainly the entire part of our
primary care practice developed from people having such a long
wait time to get to their primary care and they
came to see us and then like, oh yeah, I
just couldn't get in my primary care for weeks or months,
and we completely form the primary care portion number practice
because of that. So we can tell you that you
can come in any day that we're open and you
(15:22):
can still see the same physitions that you would see
with primary care or urgent care. Right now, if we
have you schedule a primary care appointment, we'll make sure
we have two providers there so the urgent care does
not get bogged down by someone doing primary care, because
that'll take a little bit more time, understood, So we'll
make sure we're doubled up on the providers for that day.
But if you don't make an appointment and you still
want to come in and be seen because it is
(15:43):
something that's more of an urgent matter, guess what. You
still see the same people. You see the same staff
at the front, you see the same providers. Everything's done
so you can go to your primary care provider same day.
Speaker 1 (15:53):
All right. In the case of my PCP, I have
more of a concierge kind of guy. Huh, so pay
a flag, right and I can see him as much
as I need to. I can text them and get
a prescription filled, which I love that component about having
that access and that ability. But if I had a
traditional hospital owned practice, the hospital is setting the charges correct,
(16:15):
they are telling the doctor what he or she must charge,
and of course their systems are all hooked up in
that kind of thing, so there's no flexibility there, which
is why you guys can do this for less because
you're independent of a hospital system. Hey that's all, there's nothing,
there's no downside on that. Well and then Okay, somebody's
out there going yeah, yeah, yeah, well, hey that sounds
apex sounds great. Now a matter of fact, I feel
(16:36):
like he's got to an appointment, but it's not in
my network because we have talked about this how many
times over the months we've been talking together, John.
Speaker 2 (16:44):
I mean, networks are one of those things that can
make or break your entire treatment plan, right, I mean,
you're on an HMO. I mean, you're not going anywhere
other than where the insurance company deems it. And you know,
one of the ways we set up all of our
clients is you know that secondary coverage is any doctor
or any hospital in the United States, So you can
go anywhere you want and you're getting that payment. You
(17:05):
know set out. I mean Alex actually has a plan
that we sold. I mean he has that piece of
his own insurance as a nurse practitioner at APEX, So
I mean he I was talking to him about that
here again before we came in here, and I don't
even know if he realized like what he has availability
to So, I mean it's it's kind of one of
those things that you have that option in your insurance
(17:26):
and most people don't realize they can buy that. And
then when you structure it with your health insurance policy
and we work with you and design it, the shocking
thing that most of your listeners come back and go,
I don't understand I'm getting all this coverage and I'm
still saving twenty or thirty percent of what I'm paying for,
so it baffles their mind. I always get this is
too good to be true.
Speaker 4 (17:46):
Jo.
Speaker 1 (17:46):
This is That's a fundamental point of my spots when
I'm doing this, Like I always tell people, I know,
this sounds impossible. That's why I say, call him, let
him prove me wrong, you know. But that's the point
of getting in touch with you and working with a
broker as a mostly just taking what European but I think.
Speaker 2 (18:01):
Apex, though, does take most of the insurance in the area, right,
I mean, yeah, most of them.
Speaker 4 (18:06):
I mean Luke crospit Shield, UHC, Medicare, Medicaid at a
signa custom design medical mutual, like we're in with, you know,
most of all those big ones, right. But it's like
you said, if you're in the HMO, if you're in
the hospital network version of all of those, yeah, you
know they won't cover it, right because we're not in
that hospital network.
Speaker 1 (18:23):
So that's yeah, I hate those things, those network systems.
They're so limiting and you can't travel. Yeah, you have
to do without medical care, right. Well John fixes that
problem every day as well. So you do take a
whole lot of different insurance and you are on different
plans as well. So what's your typical clientele. I think
a bunch of rich people coming in because you know
they want this concierge type medicine that you offer offers
(18:44):
such a wide ring, this holistic approach. I know, and
I'm not speaking ill of my PCP, but I actually
when I was doing commercials for the hormone Replacement Clinic
and I had mentioned it to him and he was
he poop pooped out. That's he was relying on some
old study about cancer or whatever that has been sufficiently debunked.
But it's it's olds Methusa and they did it primarily
(19:07):
on very old veterans who had been done hormone replacement therapy.
And there was some alleged connection with prostate cancer or
something like that. Anyway, thoroughly debunked. And again this is
the state of the art in Europe. But you know,
that's not a guy that would be saying, hey, I
can improve the quality of your life in your fifties
by recommending hormone replacement therapy even though he could prescribe
(19:28):
hormone replacement therapy.
Speaker 3 (19:30):
Yeah, and just that as an addition, we are big
proponents of supporting veterans, and so we take VA and
tricare as well.
Speaker 1 (19:37):
Oh wonderful.
Speaker 3 (19:38):
Yeah, So.
Speaker 2 (19:42):
Well I think, yeah, well it's fine. And I'll kind
of pick up on this end too. Is you know,
you mentioned the hormone replacement therapy and it was something
I wasn't even aware of talking to Alex here because
you know, a lot of the stuff that we do
doesn't make a difference where you go, right, because they're
gonna pay regardless, just the fact that you see a doctor.
They don't care what they're doing there, they're gonna pay, right.
(20:03):
But what he was telling me, Alex, I mean, like,
how low does your testosterone even have to be for
an insurance company to even go, yeah, we'll pay for that.
Speaker 3 (20:10):
Medically, we have to get two separate blood levels on
two different days below two point fifty, and that most
of my TRT clients are anywhere like two hundred high
two hundreds three hundreds, and they feel terrible. But again,
he's not high enough. We don't base treatment off the
total testosterone. We go off the free and bioavailable testosterone,
(20:32):
which if your numbers are high two hundreds, three hundreds,
those free numbers are going to be really, really low.
And that's that's where you want to see that free
number come up, and that's where people feel better.
Speaker 1 (20:41):
Well, I'm considering all the services you offer. I hate
to keep going back to that. It's just because I
have such intimate familiarity with it. I had a really
good friend of mine, a rather sizably overweight guy. I mean,
he acknowledges it, and he said he had struggled for
years and years, worked out all the time, did everything
you could, couldn't lose an ounce of weight, had a
T test, the testosterone test, nothing, he couldn't lose any weight.
(21:04):
He could not advance physically because he wasn't producing any testosterone.
So there are conditions out there like that. Unless you
have a test, you don't know it. But again that's
just scratching the surface of all the services you offer.
Speaker 2 (21:17):
So I mean on that end, you know, kind of
going back to the fact that, hey, listen, there are
a lot of services that insurance aren't going to cover, right,
and this is one of the integral parts that we
work with at cover since he is designing plans to
give you that flexibility. You know, if you're listening right
now and you're like, well, you know, maybe my I
got my testosterone levels there are three hundred. Well I
(21:39):
can't go there. I don't want to be paying all
this money out of pocket. You know, you can use
things like HSA accounts, you can lose use your flexible
spending account.
Speaker 1 (21:48):
Right, those are amazing. There are the ones where you
put a little money in in three years it's double
that or something.
Speaker 2 (21:54):
That's the health matching account right matching accounts, So that's
that's the third one. I'm glad you remember because it's
a it's a huge piece through our clientele, and it's
one of the things that we look at as a
long term strategy to build up basically a savings account
for your clients to have access to dollars that they
can spend independent of an insurance company. You don't have
(22:15):
to worry about going through an insurance company and going
my levels are two hundred. Now they're gonna turn around
and pay for my bill because it's gonna be covered
under my health insurance. Right, well, what have you like?
You said, maybe my levels are three fifty, but I'm
forty years old. I shouldn't be a three. I mean, listen,
I shouldn't be a three to fifty at forty, right, And.
Speaker 4 (22:34):
Healthy range is gonna be upwards of you know, a
good healthy arrange eight hundred and two thousand, right, So
anything in between that two point fifty and the you know,
six hundred and seven hundred eight hundred range, you can
still benefit from that to some degree. Now it might
not be direct testoster or replacement. There might be other
options we can do and other things we look at
in regards to what might be prohibiting some levels. We've
had some people that'll be come in because they've been
(22:55):
on it. Well, they only check their regular testosteron in
check the free floating testosterone, your estrogen levels, your growth hormone,
all sorts of other things that can be yroid, right, thyroid,
and then you've got other deficiencies that could really to you. Know,
maybe your testosterone is great, you don't need to just
jump on it because Steve down the street set he's
doing it. But when we look at the whole panel,
we'll find, Hey, your vitamin B, D and K levels
(23:17):
are just in the dumpster, right, we get those backup
to where you need to be. It might not be
the testosterone, but we look at everything for that reason,
to give you a personalized approach and not just say, oh,
here numbers at this level, you're fine, get out the door.
I've had so many people that tell us, yeah, my
doctor won't even do a check for me for certain
things exactly right, And I'm like, why are they limiting
you to look at your own health, right, that's never
(23:39):
going to be something badot. It's ridiculous because we're not
tied to any of the hospital networks and those kind
of things. It's one hundred and ten percent about what
is best for you, right, And if it's not a
insurance cover plan, we will have a cash base plan
that is going to be I promise you within the
range of you know, comparable to the lower side of things.
We don't like to be the laning graph for people
(24:00):
in that regard. And if even so, you have an
HMA account or something else through John, then now you've
got to cover.
Speaker 1 (24:07):
You've got to cover, right, because most of the plans
that we've talked about there's not a network. Youn't have
to worry about a network, no, so it gets covered.
That's like the holistic approach to medical insurance over here,
and got the holistic approach to medicine next to you.
Speaker 2 (24:20):
And that's why I brought them today. I got and
it's just and like I said at end the day,
it's access to care. Right. It's a big thing that
I preach making sure that you're not limiting yourself by
the health insurance plan that you have, but it's not
limiting yourself by the portfolio of healthcare that we offer.
You know, by having these levels of covers and layers
of protection. It's going to give you access to someone
(24:43):
like Apex. You know that you can go in there
and get everything paid for because we've planned for it.
So now you're going to go in there and get
your testosterone and hopefully get it back up to that
eight hundred range where you need to be and feel
better about yourself, or even doing some of the other
treatment options that they have there. Because the trigger which
the HMA has is as long as it's done and
(25:05):
at the doctor's office and there's a doctor letterhead on
top of it, and that's how the HMA pays out.
So you know, a place like apex, A you're gonna
go in there and get your B twelve shop because
you're B twelve's low, or you're gonna go through you know,
the rehab that they have with the cold therapy and
different things like that. Those would be paid for under
that HMA account. So it's very important to build up
(25:25):
that account because that is something like you mentioned, Brian,
I mean, it triples its value. So imagine paying you know,
let's just say as low as I mean, you can
go low as like forty bucks, but one hundred and
forty bucks a month, you're putting in five grand over
the next three years, and you'll have ten grand and
paid up medical expenses in that account. I mean, that's
a lot of treatment that you can do and get
yourself back in the right in the right.
Speaker 1 (25:46):
Well, especially if you're going to you know, a properly
priced affordable provider like Apex. You know that tenth grant
goes a lot longer than we would if you're going
into the hospital system. Right, that's the point. Well, since
we're getting close to out of time, I'll give a
real quick I want an opportunity for you to remind
again of the impending deadline, just the red flag for
(26:08):
my more senior listeners, just to get ahead of the game.
Speaker 2 (26:11):
Yeah, so same thing kind of coming up here very
very quickly is the you'll be starging in your A
knock letters, your annual notice of change for Medicare, and
very very extremely important to really analyze that. But the
easiest thing for you to do is just call our office,
right's get a scheduled appointment. Everything starts here October fifteenth.
I said, just get on the schedules that we can
(26:32):
talk about your plan. There is absolutely every plan that
we're hearing from for your part. The prescription coverage or
if you're on a Medicare advantage plan, your plan will
be changing this year, and from what we're seeing, it's
not going to be good. No, it's like it has
in the past.
Speaker 1 (26:46):
No, it's not. That's why you need to get in
touch with John and scheduled the appointment to do that.
It's five one three eight hundred call. That's five one
three eight hundred two two five five Rethink Healthcare together.
It's been another great edition. And gentlemen, I want to
ask uh, Alex and Matt your contact information. She got
a website you want to let people know about since
they're going to be intrigued about.
Speaker 4 (27:06):
Yeah, definitely. Our phone number is five one three eight
zero five four three sixty one. Website is Apex Cliniccare
dot com. That's Apex and then clinic c L I
N I.
Speaker 1 (27:16):
C A R E.
Speaker 4 (27:17):
So I've got the little C in the middle.
Speaker 1 (27:18):
That gotcha clinic cliniccare. Yes, Apex Cliniccare dot com. Gentlemen,
it's been a real pleasure meeting you. I'm good luck
with your business model. It looks like it's working out
great so far. And encourage my listeners again to rethink
healthcare together by get in touch with John and the
team coversincy dot com
Hi's Ryan Thomas with John Roullman from Cover Since you
can find on my line at Coversinc dot com. It's
another edition of Rethink Healthcare together, normally host of the fifty
five Case Morning Show, but every Sunday at this time
I get to talk to him about well medical insurance
generally speaking, but there are other elements we need to
speak about, and today is one of those days. They're
going to be talking about other elements. It's always a
pleasure to talk with you, John Roulman, and thank you
(00:25):
so much. I key every week I'm getting some kind
of email or some person comes up to me and said, oh, man,
I took your advice from a call John Rulman, and
they're happy. It's like they did, Oh he did a
great job for me. I got better medical insurance coverage.
I'm not paying as much. I actually got dollar one
coverage for some regular things that I got to do
throughout the year. So God bless you for taking such
(00:45):
great care of my listeners. And I know that's your job,
but I wanted to thank you on behalf of them
for doing such a great job.
Speaker 2 (00:52):
No, we absolutely appreciate that. It's it's very heartwarming. To
hear that, you know, and it's it's it's our day
to day. You know, so many people don't stand insurance
and they always think, hey, I'm covered, I got really
good coverage. I'm paying a lot of money for it.
And you know, when they sit down with us and
we have that conversation, it's it's eye opening together. Absolutely,
(01:13):
it's eye opening because they sit there and they looking like,
oh my god, I didn't realize I lacked coverage in
these areas. I didn't realize that I was gonna have
to pay nine grand before my insurance even kicked in
to pay anything. You go, I've been paying for all
this time. We don't really use it, and then god
forbid we did. We're in a tough spot. So that's
that's what we do. We sit down, of course, like
(01:34):
we talk about every week, analyze what they have, you know,
find the holes, you know, figure out how we can
plug them. And you know, for the majority of the
people that we talked to, they will leave our office
better informed and in a way better situation than they
found themselves when they walked to that.
Speaker 1 (01:49):
Yeah, and as I've drawn the pairl I've always drawn
You're a financial planner for medical insurance and other insurance
related issues. You talk to your financial planner, they're going
to ask you about what do you spend, how much
of you that, what do you think you need for retirement,
what are your day to day expenses? On and on
and on. Do a deep dive into what you have,
and then create a financial plan to make recommendations for
investing on that. You do the exact same thing, except
(02:09):
specific to the individual where they are in life, because
that part can really impact what they should be considering.
By way of coverage. Right when you think about getting
close to retirement. You got all kinds of advice for
those folks that are getting toward medicare age. And we'll
maybe give you another opportunity to warn people again in
advance to hurry up and get on the list to
(02:30):
talk to you before the open rollment period comes in.
But that's what John and the team are all about
coversince he dot com and I always tell people, you know,
do one of two things. Reach out. There is no
obligation to you initiate a conversation by calling John on
the team or fill out the form at his website,
which is coversince he dot com. And his number is
five one three eight hundred call. That's two two five
(02:52):
five five one three eight hundred two two fivey five.
So we're taking a different turn today. Why tell the
listeners what we're exactly we're going today?
Speaker 2 (02:59):
Well, today, you know, we wanted to bring to the
show an opportunity to actually hear from the side that
we're paying for, right, So, you know, we set up
plans for our clients and the hopes that they're well protected,
and you know, our goal of courses bring resources on
this show so they stay better informed. And you know,
one of them today, I have the honor of bringing
in Matt Schaber and Alex Hobbs. They're both He's Alex
(03:23):
is a nurse practitioner and they're with APEX Urgent Care
and Wellness Center right here in the west Chester area
and they own a private practice and urgent care. And
the best part about it, you guys are not affiliated
with the hospital groups. So I talk about that all
the time, just the sheer costs when these facilities are
you know, you walk into an urgent care or god forbid,
(03:44):
an emergency room and all of a sudden, now I
have the lab that I'm recommending to you and everything
like that is all affiliate with the hospital. So you're
looking at you know, instead of hundreds of dollars of
at of pocket expenses, you're looking at thousands.
Speaker 1 (03:55):
Oh, this is like my the commercials I do for
affordable imaging services. Yeah, freestanding imaging and it costs you
like one hundred and fifty bucks compared to like one
hundred and fifty thousand dollars. I know I'm exaggerating, but
if you go to the hospital to get a CT scan,
you're going to be paying thousands, where if you go
to affordable imaging you're paying you know, four hundred and
fifty bucks or something.
Speaker 2 (04:15):
It's like that, right, absolutely, So we'll talk a little
bit to these guys here and we'll tell a little
bit about their practice and what they're doing there. That's
pretty unique I think in the market.
Speaker 3 (04:25):
Yeah. So I'm Alex Hobbs, nurse practitioner at APEX. So
we run an urgent care, but we also have a
full wellness center, so we offer hormone therapy. We have
a sauna, cold plunge room, we have a full gym
in the back that we do some therapy out of.
For people if needed, or personal training for that matter.
(04:46):
We work with a massage therapist if you need to
get in for massage. So I started off. I worked
in a hospital downtown u SE for about ten years,
and I actually I went to Miami University. I went
to UC from a master's and I got to see
the spectrum of healthcare and just the expense that it caused.
(05:08):
And my first job as a nurse practitioner was in
urgent care and even seeing the bills that came through
for them and hearing people complain about the cost. And
then COVID happened, and that was tragic for everybody and
every aspect of life, as far as having to stay
at home and worrying about is this actually going to
(05:29):
hurt me? And I saw a flood of people. I
was seeing one hundred, one hundred and fifty people a
day in twelve hours, and it was difficult. And then
my partner, Matt, he was part owner in a gym,
and I was like, well, you know the business side
of things, I know the medical side of things. And
I put the pieces together as far as the complexity
(05:52):
of law, like, we need a collaborative position. So we
found that we got our LLC name, and we eventually
luckily found a space where an emergency medical physician wanted
out of his office and it was in Westchester, and
we're like, this is a perfect location. So we were
able to open the doors. We got started. We literally
(06:14):
saw our first patient and that was in shorts on
a T shirt and they walked in and said, hey,
you guys open and I was like, well, technically we are.
I'm not dressed for the day, but.
Speaker 4 (06:24):
Around the place there and but they're like, yeah, come
on in, we're approved. Let's roll.
Speaker 3 (06:28):
If that's a perfect image of like, I'm not ready
for this, but I will take care of you, and
we legally could. So I was like, yeah, let's let's
get your kid feeling better. And so our whole mantra
is taking the standard medical visit and like not not
saying looking at your labs and saying, oh, you're healthy,
(06:51):
but what can we do outside of that, Hey, your
hormones are low, Hey your vitamin d's low. You could
really benefit from doing some sessions in the sauna to
help decrease your inflammation. These are the supplements that could
help bring down your cholesterol, get your energy levels up
without having to put you on a medication for the
rest of your life.
Speaker 1 (07:09):
A holistic approach.
Speaker 3 (07:11):
So holistic approach, functional medicine, whatever you want to call it. Yeah,
so we kind of blend those two now. Obviously, if
somebody is very sick, we will recommend obviously the standard
medications and as far as the cost of everything as well.
We do use QUEST, which is a large lab, so
we do send that out through insurance if people want
(07:31):
to use their insurance. But at the same time, our
standard office visit is one hundred and fifty dollars. If
you want to come in for a full wellness visit
with a full blood panel, we work with a smaller
lab called Access Labs, and we can send off a
full panel of blood work with the office visit for
three hundred and fifty dollars. Oh, including the office and
that includes hormones as well.
Speaker 1 (07:49):
Oh wow.
Speaker 3 (07:50):
So yeah.
Speaker 1 (07:51):
I used to do commercials for a company that did
hormone replacement therapy and weight loss and that kind of thing.
And well, the benefits of hormone replacement therapy are insane
and I know that in Europe they've been using it
to treat high cholesterol levels for years and years and
years they don't use those pharmaceuticals to treat to treat
a high cholesterol. It's hormone balance and it has the
(08:13):
side effects of you know, libido enhancement as well as
you know, a memory clarity, and you know, there's just
the list of benefits is just seemingly endless with hormone
replacement therapy.
Speaker 3 (08:25):
And it's the for men. It's the midlife crisis. You
don't feel like doing anything, your marriages in the gutter,
like you're libidos, down to do anything, and getting these
guys on just healthy amounts of testosterone gets them feeling
much better. It saves marriages.
Speaker 1 (08:41):
It helps well women too. Suicide, menopause time and the
hormones get all crazy. You can balance those out and
overcome the problems of menopause while also saving the marriage
in terms of the bedroom activity as well. Know, I
know some women who are on hormone replacement therapy, and
I mean their husbands will I'm into me. It's like,
Lord almighty, gents, this is amazing. You know, it's her
(09:04):
idea all the time. You know, it's like, wow, yep.
Speaker 2 (09:08):
That's funny though you mentioned that, you know, because on
our side. You know, what we see, of course is
the bills, right, So I'm looking at bills all the time,
or clients calling in, going hey, I just wanted for
a regular doctor visit. He said, I probably have something
going on. So they send my labs out, and you know, again,
most of the private practices aren't out there anymore, most
of them, these doctors are, you know, they leave with
(09:29):
the hospital group. We don't see doctor Smith private practice
on a sign anymore, you know, it it's what hospital
group they're affiliated with. And it's just kind of a
funny story. I remember, you know, my wife going in
one time and they were like, hey, you've got something
going on. We want to do some blood work, right,
So this is a private practice we've been in for years,
and they have their own lab sitting in there. So
(09:49):
I was like, all right, well, I'm pretty accustomed to
what the lab bills are going to be. It's not
really that expensive because they haven't in house lab. But
once they sold out to the hospital, what I saw
was you know, doctor visit charge, right, that came from them.
But then the lab bill came from the hospital, and
the hospital wasn't even like in the same town I'm like,
I don't understand the labs here in the doctor's office.
(10:11):
Why am I getting billed from a place fifty miles
away for the lab bill. I'm telling you it was
always a thousand dollars for a blood panel. And I'm like,
because it wasn't considered preventive care, it wasn't end up
being free on our insurance. And you know, we had
to pay almost a nine hundred and eight dollars lab bill,
where I knew from shopping around that hey, if I
would have went directly to Quest or any of these labs,
(10:33):
it probably been one hundred bucks or something around that level.
So to hear that you can go in and get
a physical and get your full panel with hormones and
all that that I've seen typically crack one thousand dollars
just on a lab work bill for three hundred and
fifty dollars, you're talking about a third of the cost.
Speaker 1 (10:51):
Yeah, and that you know, I can't let that comment
go by without, you know, using again my son, as
I have done so many times on the show, and
apologies the regular listener to the rethink healthcare together. But
the insurance plan that you have my son under has
that set amount, and like his physician visit, I think
he was charged one hundred and fifty bucks for the
(11:12):
physical and he ended up getting a check back because
they had allocated four hundred dollars for that visit. So
in that scenario, if they're allocated for four dollars, he
can get everything done, including this full panel of blood work,
and he'd get a check back for fifty bucks.
Speaker 2 (11:25):
Absolutely, I mean, and that's that's what I mean. You
took the prohibitive piece away, right. Everyone listens to health
insurance all the time and go, oh, yeah, I got it.
It's always a you pay situation where I got copays,
I got deductibles. You're always falling into these traps of
is it benefit to me to have to pay to
go get the physical. I was talking to these gentlemen
(11:47):
here before we came on the show, and you know,
we were just kind of talking about, you know, I
have so many clients that you know, we're doing anular
reviews right now with them, and I go, oh, how
did everything work out with you for the last year?
And he changes medically did you even use your interns?
And you get all these guys that are in their
fifties and they go, well, I won't go unless something's
falling off right right, right, right right, And it's just
(12:09):
like I look at these I mean, I've been doing
this nineteen years, Brian. So you know, we track kind
of statistics just in our office, and you know it's
it's the guys that are in their mid fifties and
all of a sudden, it's heart attack, it's stroke. I mean,
they're time bombs waiting to happen. And the way we
set these our clients up, it's I'm telling them, like,
(12:33):
why aren't you going to a place like this where
I'm gonna show you how their bills are gonna be
less than what your plan pays. You're gonna walk out
with it. I'm basically paying you to go get this statement.
Speaker 1 (12:44):
No, that's it. And you know the other component of
that is, oh, I don't have to pay anything. I'm
gonna get some money back. The answer is yes, you
go in, you do that, and then these guys can
turn your your declining fifties into a you know, one
of the best periods of your life. I mean, that's really,
from what I understand, a solid conclusion you can reach
(13:06):
by going with hormone replacement therapy for example. Not to
mention the other therapies and treatments you offer. I'm not
discounting them at all, but that would provide a vehicle.
You get your physical, you get your blood work, you
know where your cholesterol levels are, you know what your
PSA is. Oh and by the way, your testosteron is
almost zeroed out, which is why let me guess your
lethargic you got no libido, just kind of laying around
(13:28):
with no motivation. Hey, we can fix that too.
Speaker 4 (13:32):
Oh.
Speaker 2 (13:32):
Absolutely, yeah. And that's a huge benefit to what they're
doing here, is you know, by offering all those extra service.
And that's why I wanted to bring them on here today,
because there is other opportunities. I just think people don't understand.
They can shop around for things. They can find a
better deal, like we talked about with the imaging. You
can find better physicians offices, you can find better facilities
(13:53):
that aren't attached these hospitals that are going to rake
you over the coals with these bills. And it's all
about knowing where to go, where to get these resources
from so that when your plan pays out, you're not
out of pocket. That's the goal. You want to make
sure your insurance plan is going to cover at least
one hundred percent maybe more of what these bills really
transpire to be.
Speaker 4 (14:14):
Okay.
Speaker 1 (14:14):
When I think of an urgent care facility like APEX,
your guys organization, I think a place that you know
you go if you've got no place else to go, Like, Okay,
I want to avoid the hot I want to avoid
the hospital emergency room. Yeah, but if there's an urgent
care facility, I know the way time is going to
be shorter, at least in every instance that I have
(14:36):
used them. And I've got kids now that are adults.
But you know, we've been through this process. But what
you're suggesting is that you can go to APEX, for example,
to get a regular physical. You don't have to think
my doctor, my PCP, my regular default guy. It's like, well, hell,
I can just call APEX and make an aployment, go
on and get the physical and get the blood work,
(14:57):
and I got the whole thing covered. Yeah.
Speaker 4 (14:59):
Part of our well mainly the entire part of our
primary care practice developed from people having such a long
wait time to get to their primary care and they
came to see us and then like, oh yeah, I
just couldn't get in my primary care for weeks or months,
and we completely form the primary care portion number practice
because of that. So we can tell you that you
can come in any day that we're open and you
(15:22):
can still see the same physitions that you would see
with primary care or urgent care. Right now, if we
have you schedule a primary care appointment, we'll make sure
we have two providers there so the urgent care does
not get bogged down by someone doing primary care, because
that'll take a little bit more time, understood, So we'll
make sure we're doubled up on the providers for that day.
But if you don't make an appointment and you still
want to come in and be seen because it is
(15:43):
something that's more of an urgent matter, guess what. You
still see the same people. You see the same staff
at the front, you see the same providers. Everything's done
so you can go to your primary care provider same day.
Speaker 1 (15:53):
All right. In the case of my PCP, I have
more of a concierge kind of guy. Huh, so pay
a flag, right and I can see him as much
as I need to. I can text them and get
a prescription filled, which I love that component about having
that access and that ability. But if I had a
traditional hospital owned practice, the hospital is setting the charges correct,
(16:15):
they are telling the doctor what he or she must charge,
and of course their systems are all hooked up in
that kind of thing, so there's no flexibility there, which
is why you guys can do this for less because
you're independent of a hospital system. Hey that's all, there's nothing,
there's no downside on that. Well and then Okay, somebody's
out there going yeah, yeah, yeah, well, hey that sounds
apex sounds great. Now a matter of fact, I feel
(16:36):
like he's got to an appointment, but it's not in
my network because we have talked about this how many
times over the months we've been talking together, John.
Speaker 2 (16:44):
I mean, networks are one of those things that can
make or break your entire treatment plan, right, I mean,
you're on an HMO. I mean, you're not going anywhere
other than where the insurance company deems it. And you know,
one of the ways we set up all of our
clients is you know that secondary coverage is any doctor
or any hospital in the United States, So you can
go anywhere you want and you're getting that payment. You
(17:05):
know set out. I mean Alex actually has a plan
that we sold. I mean he has that piece of
his own insurance as a nurse practitioner at APEX, So
I mean he I was talking to him about that
here again before we came in here, and I don't
even know if he realized like what he has availability
to So, I mean it's it's kind of one of
those things that you have that option in your insurance
(17:26):
and most people don't realize they can buy that. And
then when you structure it with your health insurance policy
and we work with you and design it, the shocking
thing that most of your listeners come back and go,
I don't understand I'm getting all this coverage and I'm
still saving twenty or thirty percent of what I'm paying for,
so it baffles their mind. I always get this is
too good to be true.
Speaker 4 (17:46):
Jo.
Speaker 1 (17:46):
This is That's a fundamental point of my spots when
I'm doing this, Like I always tell people, I know,
this sounds impossible. That's why I say, call him, let
him prove me wrong, you know. But that's the point
of getting in touch with you and working with a
broker as a mostly just taking what European but I think.
Speaker 2 (18:01):
Apex, though, does take most of the insurance in the area, right,
I mean, yeah, most of them.
Speaker 4 (18:06):
I mean Luke crospit Shield, UHC, Medicare, Medicaid at a
signa custom design medical mutual, like we're in with, you know,
most of all those big ones, right. But it's like
you said, if you're in the HMO, if you're in
the hospital network version of all of those, yeah, you
know they won't cover it, right because we're not in
that hospital network.
Speaker 1 (18:23):
So that's yeah, I hate those things, those network systems.
They're so limiting and you can't travel. Yeah, you have
to do without medical care, right. Well John fixes that
problem every day as well. So you do take a
whole lot of different insurance and you are on different
plans as well. So what's your typical clientele. I think
a bunch of rich people coming in because you know
they want this concierge type medicine that you offer offers
(18:44):
such a wide ring, this holistic approach. I know, and
I'm not speaking ill of my PCP, but I actually
when I was doing commercials for the hormone Replacement Clinic
and I had mentioned it to him and he was
he poop pooped out. That's he was relying on some
old study about cancer or whatever that has been sufficiently debunked.
But it's it's olds Methusa and they did it primarily
(19:07):
on very old veterans who had been done hormone replacement therapy.
And there was some alleged connection with prostate cancer or
something like that. Anyway, thoroughly debunked. And again this is
the state of the art in Europe. But you know,
that's not a guy that would be saying, hey, I
can improve the quality of your life in your fifties
by recommending hormone replacement therapy even though he could prescribe
(19:28):
hormone replacement therapy.
Speaker 3 (19:30):
Yeah, and just that as an addition, we are big
proponents of supporting veterans, and so we take VA and
tricare as well.
Speaker 1 (19:37):
Oh wonderful.
Speaker 3 (19:38):
Yeah, So.
Speaker 2 (19:42):
Well I think, yeah, well it's fine. And I'll kind
of pick up on this end too. Is you know,
you mentioned the hormone replacement therapy and it was something
I wasn't even aware of talking to Alex here because
you know, a lot of the stuff that we do
doesn't make a difference where you go, right, because they're
gonna pay regardless, just the fact that you see a doctor.
They don't care what they're doing there, they're gonna pay, right.
(20:03):
But what he was telling me, Alex, I mean, like,
how low does your testosterone even have to be for
an insurance company to even go, yeah, we'll pay for that.
Speaker 3 (20:10):
Medically, we have to get two separate blood levels on
two different days below two point fifty, and that most
of my TRT clients are anywhere like two hundred high
two hundreds three hundreds, and they feel terrible. But again,
he's not high enough. We don't base treatment off the
total testosterone. We go off the free and bioavailable testosterone,
(20:32):
which if your numbers are high two hundreds, three hundreds,
those free numbers are going to be really, really low.
And that's that's where you want to see that free
number come up, and that's where people feel better.
Speaker 1 (20:41):
Well, I'm considering all the services you offer. I hate
to keep going back to that. It's just because I
have such intimate familiarity with it. I had a really
good friend of mine, a rather sizably overweight guy. I mean,
he acknowledges it, and he said he had struggled for
years and years, worked out all the time, did everything
you could, couldn't lose an ounce of weight, had a
T test, the testosterone test, nothing, he couldn't lose any weight.
(21:04):
He could not advance physically because he wasn't producing any testosterone.
So there are conditions out there like that. Unless you
have a test, you don't know it. But again that's
just scratching the surface of all the services you offer.
Speaker 2 (21:17):
So I mean on that end, you know, kind of
going back to the fact that, hey, listen, there are
a lot of services that insurance aren't going to cover, right,
and this is one of the integral parts that we
work with at cover since he is designing plans to
give you that flexibility. You know, if you're listening right
now and you're like, well, you know, maybe my I
got my testosterone levels there are three hundred. Well I
(21:39):
can't go there. I don't want to be paying all
this money out of pocket. You know, you can use
things like HSA accounts, you can lose use your flexible
spending account.
Speaker 1 (21:48):
Right, those are amazing. There are the ones where you
put a little money in in three years it's double
that or something.
Speaker 2 (21:54):
That's the health matching account right matching accounts, So that's
that's the third one. I'm glad you remember because it's
a it's a huge piece through our clientele, and it's
one of the things that we look at as a
long term strategy to build up basically a savings account
for your clients to have access to dollars that they
can spend independent of an insurance company. You don't have
(22:15):
to worry about going through an insurance company and going
my levels are two hundred. Now they're gonna turn around
and pay for my bill because it's gonna be covered
under my health insurance. Right, well, what have you like?
You said, maybe my levels are three fifty, but I'm
forty years old. I shouldn't be a three. I mean, listen,
I shouldn't be a three to fifty at forty, right, And.
Speaker 4 (22:34):
Healthy range is gonna be upwards of you know, a
good healthy arrange eight hundred and two thousand, right, So
anything in between that two point fifty and the you know,
six hundred and seven hundred eight hundred range, you can
still benefit from that to some degree. Now it might
not be direct testoster or replacement. There might be other
options we can do and other things we look at
in regards to what might be prohibiting some levels. We've
had some people that'll be come in because they've been
(22:55):
on it. Well, they only check their regular testosteron in
check the free floating testosterone, your estrogen levels, your growth hormone,
all sorts of other things that can be yroid, right, thyroid,
and then you've got other deficiencies that could really to you. Know,
maybe your testosterone is great, you don't need to just
jump on it because Steve down the street set he's
doing it. But when we look at the whole panel,
we'll find, Hey, your vitamin B, D and K levels
(23:17):
are just in the dumpster, right, we get those backup
to where you need to be. It might not be
the testosterone, but we look at everything for that reason,
to give you a personalized approach and not just say, oh,
here numbers at this level, you're fine, get out the door.
I've had so many people that tell us, yeah, my
doctor won't even do a check for me for certain
things exactly right, And I'm like, why are they limiting
you to look at your own health, right, that's never
(23:39):
going to be something badot. It's ridiculous because we're not
tied to any of the hospital networks and those kind
of things. It's one hundred and ten percent about what
is best for you, right, And if it's not a
insurance cover plan, we will have a cash base plan
that is going to be I promise you within the
range of you know, comparable to the lower side of things.
We don't like to be the laning graph for people
(24:00):
in that regard. And if even so, you have an
HMA account or something else through John, then now you've
got to cover.
Speaker 1 (24:07):
You've got to cover, right, because most of the plans
that we've talked about there's not a network. Youn't have
to worry about a network, no, so it gets covered.
That's like the holistic approach to medical insurance over here,
and got the holistic approach to medicine next to you.
Speaker 2 (24:20):
And that's why I brought them today. I got and
it's just and like I said at end the day,
it's access to care. Right. It's a big thing that
I preach making sure that you're not limiting yourself by
the health insurance plan that you have, but it's not
limiting yourself by the portfolio of healthcare that we offer.
You know, by having these levels of covers and layers
of protection. It's going to give you access to someone
(24:43):
like Apex. You know that you can go in there
and get everything paid for because we've planned for it.
So now you're going to go in there and get
your testosterone and hopefully get it back up to that
eight hundred range where you need to be and feel
better about yourself, or even doing some of the other
treatment options that they have there. Because the trigger which
the HMA has is as long as it's done and
(25:05):
at the doctor's office and there's a doctor letterhead on
top of it, and that's how the HMA pays out.
So you know, a place like apex, A you're gonna
go in there and get your B twelve shop because
you're B twelve's low, or you're gonna go through you know,
the rehab that they have with the cold therapy and
different things like that. Those would be paid for under
that HMA account. So it's very important to build up
(25:25):
that account because that is something like you mentioned, Brian,
I mean, it triples its value. So imagine paying you know,
let's just say as low as I mean, you can
go low as like forty bucks, but one hundred and
forty bucks a month, you're putting in five grand over
the next three years, and you'll have ten grand and
paid up medical expenses in that account. I mean, that's
a lot of treatment that you can do and get
yourself back in the right in the right.
Speaker 1 (25:46):
Well, especially if you're going to you know, a properly
priced affordable provider like Apex. You know that tenth grant
goes a lot longer than we would if you're going
into the hospital system. Right, that's the point. Well, since
we're getting close to out of time, I'll give a
real quick I want an opportunity for you to remind
again of the impending deadline, just the red flag for
(26:08):
my more senior listeners, just to get ahead of the game.
Speaker 2 (26:11):
Yeah, so same thing kind of coming up here very
very quickly is the you'll be starging in your A
knock letters, your annual notice of change for Medicare, and
very very extremely important to really analyze that. But the
easiest thing for you to do is just call our office,
right's get a scheduled appointment. Everything starts here October fifteenth.
I said, just get on the schedules that we can
(26:32):
talk about your plan. There is absolutely every plan that
we're hearing from for your part. The prescription coverage or
if you're on a Medicare advantage plan, your plan will
be changing this year, and from what we're seeing, it's
not going to be good. No, it's like it has
in the past.
Speaker 1 (26:46):
No, it's not. That's why you need to get in
touch with John and scheduled the appointment to do that.
It's five one three eight hundred call. That's five one
three eight hundred two two five five Rethink Healthcare together.
It's been another great edition. And gentlemen, I want to
ask uh, Alex and Matt your contact information. She got
a website you want to let people know about since
they're going to be intrigued about.
Speaker 4 (27:06):
Yeah, definitely. Our phone number is five one three eight
zero five four three sixty one. Website is Apex Cliniccare
dot com. That's Apex and then clinic c L I
N I.
Speaker 1 (27:16):
C A R E.
Speaker 4 (27:17):
So I've got the little C in the middle.
Speaker 1 (27:18):
That gotcha clinic cliniccare. Yes, Apex Cliniccare dot com. Gentlemen,
it's been a real pleasure meeting you. I'm good luck
with your business model. It looks like it's working out
great so far. And encourage my listeners again to rethink
healthcare together by get in touch with John and the
team coversincy dot com
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