Rethink Healthcare Together - The Healthcare Middle Class Trap

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Episode Transcript

Speaker 1 (00:01):
Hi, this is Brian Thomas with John Ruhlmann cover Sincey
with another edition of Rethink Healthcare Together. You can reach
John on the team by calling five to one three
eight hundred call that's five one three eight hundred two
two five five, or just go online coversincy dot com.
Fill out a form you get the process started, which
will include dealing with the healthcare middle class trap. What

(00:24):
your doctor won't tell you Today's topic of conversation, John Roman.
Always a pleasure to see you, my friend. Oh you too, Brian,
and thanks again for helping out my listeners. There's not
a week that goes by that I don't get like
half a dozen emails or fate or instant messages or something.
So well, if I was the cold Ruman New Team,
and I'm so glad I did, and then they'll fill
in all the blanks the reasons why they got in
touch with you, and doing that is so very important

(00:44):
when you're dealing with healthcare, especially in these uncertain times.
They're working for you. This is a service that doesn't
cost you any money. They'll find a better way to
get you insured medically with dollar one coverage UH and
less money. Small business people out there. You got twenty
thirty forty employees and they're unhappy with what you've picked
for them. Don't pick it for them. Let John and

(01:05):
the team look at each and every one of them
and come up with a package of insurance for each
and every one of them. Yes, they will do. That
might improve your business bottom line, probably will, and it'll
make your employees happier. Happy employees mean they're not going
to leave you in favor of some other better healthcare
option that some other employer might offer. Trust me, it
is worth the call. Without further ado, John, what is
the healthcare middle class trap? And why won't our doctors

(01:27):
tell us about it?

Speaker 2 (01:29):
Well, we'll get into all those aspects, but you know,
I said, the real big thing is to think about,
you know, really the middle class. Right, So when I'm
talking about middle class, I'm talking about those individuals making
between like sixty hundred and eight thousand dollars a year.
You know, we talked about this numerous times this year,
and the last few shows of the fact the tax
credits are going away, right, and this is going to

(01:51):
affect the middle class the greatest because those are the
ones that are typically a little bit over that four
hundred percent of the federal privity level, so losing tax
credits they're getting, or they're getting very minimal amounts. And
this is why I can't stress enough the fact that
we have to stop looking at the Affordable Care Act.
I mean, I think our government right now is shining

(02:13):
a huge light on the fact that we shouldn't be
looking at this as the only option for health insurance.
And it's it's just something that was never supposed to
be the only answer. And I think, you know, we
talked about on the show how they've marketed this. They've
you know, in the past, they've put penalties on not

(02:33):
buying one of their plans, like we don't buy one
of our plans, we're gonna we're gonna penalize you when
you do your taxes. Like that's gone. You don't have
to get your coverage through the ACA anymore. And you
know that's why I think more so now for twenty
twenty six, those individuals are seeing the major trap because
you know, we just started this was the first week
of open enrollment for the ACA, and we've seen so

(02:56):
many even current clients that we're getting big tax credits
from twenty twenty five, they're gone for twenty twenty six,
and we're talking about huge increases in premiums because of
those tax creads are going away. And I think the
average right now we're seeing is somewhere about eight hundred
dollars a month is what they're losing. You're talking about
almost ten grand a year in premium increases. So it's

(03:19):
opened up more of a greater opportunity for us to
showcase the options outside of Obamacare.

Speaker 1 (03:26):
You know, it's so interesting throughout this entire government shutdown,
all built around the expiration of the of the tax
credits that only exist because of COVID. Remember the original
bill was the four times poverty cap, so the Democrats
dusted that away because of COVID, giving people who even

(03:46):
made four hundred thousand dollars a year the ability to
get Obamacare not pay any premium on it. I find
that to be a ridiculous model, and it masks the
reality of Obamacare and the American taxpayers thus are covering
the premium dollars those premium supplements up going directly to
the evil insurance companies. So nothing has been solved by
way of affordable health care. It just creates the illusion

(04:07):
of it because the American taxpayers are dealing with it.

Speaker 2 (04:10):
I mean it, I mean, let's be honest for you,
it's was for votes, but right it was for votes.

Speaker 1 (04:15):
It was it was for votes, and they thought that
their guy or gals the case maybe was going to
be president and they would enshriy in these permanently. But
those pesky Republicans and Donald Trump changed the dynamics. So
they're left of the government shutdown amid all the discussion
and the wailing and the gnashing of teeth. General, Oh
my god, this is going to be crazy. People are

(04:37):
going to lose their healthcare. And hey, no one ever
mentions the private market that you deal with every single day,
that the options out there are so abundant without even
thinking about Obamacare, and they're.

Speaker 2 (04:49):
Afraid of it. Brian, I mean, I can't talk enough
about the fact that, I mean, we've talked about this
on shows where hey, the government's trying to limit these
type of plans, or they they try to get rid
of short term plans, or I've had insurance companies you
know that we work with literally sue the federal government
to try to enable them to continue to offer private

(05:11):
health plans. I mean, these are carriers that I have
clients on that literally took to the Supreme Court to
fight the government saying, no, we need options for our citizens.
These are free market options, free market options, but the
government doesn't want us to buy coverage outside of their plan.

(05:33):
That's so nefarious it is, And that's why I mean,
if I could stand on a mountaintop and scream you
don't need Obamacare, like, I don't know how else to
do it other than market on your show and try
and do these podcasts and try to get it out
there to your listeners, because it's it's scary to think
that we're being strangle held right now on shutting down

(05:57):
the government for something that doesn't make any sense to
me and doesn't even need to exist. Honestly, No, No,
I mean I think wholeheartedly that we shouldn't be overpaying
for these tax credits because a majority of the people
that are getting them have higher income, and most of
those people, I would say over eighty five percent of
them can come off the Obamacare plans and get private

(06:19):
healthcare insurance cheaper or less and a lot better coverage.
It's like no one's talking about that I mean, this
is a to me, it's an open and shut case.
If this was actually out there and the government saw like, well, yeah,
we can just not pay these people subsidized to the
insurance companies and they can go get private health insurance
and it's cheaper, Well, we can just do that. We

(06:40):
can just open the government back up, I know. I mean,
that's that's as simple as it is. And here's a
here's a second problem with with what's going on with
the with the ACA and the laws and everything that's
kind of coming from that. You're you're seeing the group
rates go up, right, So it's it's if you're in
the middle class and you're listen and then right now

(07:00):
and you're like, well, you know I got insurance through
my employer. Well, you know, we're seeing twelve to eighteen
percent increases on the group insurance side because of how
their plans have to mirror the Affordable Care Act.

Speaker 1 (07:13):
Because they're working with the government to facilitate the Affordable
Care Act, right, Yeah, absolutely, foot in the door, Yeah,
claims on behalf of Obamacare, thus inextricably intertwining them with
the government, which then dictates the terms of conditions of
how they would operate their otherwise private chunk of the business.

Speaker 2 (07:29):
Right, So on the group side, those plans have to
mirror those plans, so again they're getting the full brunt
of what those increases are as well. So that twelve
to eighteen percent on the group side is just ridiculous.
I mean, I can't imagine someone making sixty grand a
year and then turn around saying, hey, we're gonna we
have almost a twenty percent increase on your group benefits side.

(07:51):
But I really can't give you a raise this year
because I have to cover half of that as your employer,
and then you're paying ten percent more. Like that's just
it's it's it's ridiculous.

Speaker 1 (08:00):
And let me make sure I get this process right.
Insurance companies process to claims they're given the premium dollars
which are supposed to cover their liability for the Obamacare
wing of their business. Let me guess, as big as
the premium dollars are now and as much out of
pocket responsibility you had before Obamacare even kicks in, let

(08:20):
me guess the premium isn't covering the the the hospital
services of the medical coverage that the insurance companies have
to pay. No, so that means that you and I
and the private sector for working through that company are
paying more in our premiums. That's where the increasing more.

Speaker 2 (08:35):
In the premiums, more in the premiums, remember too to
Obamacare and course and even in the law. And that's
what most people don't think. They think the insurance companies
are gouging people, right. I mean, there's a percentage in
the Affordable Care Act law that the insurance companies have
a profit margin that they cannot make more than that
or they actually have to turn around and cut you
a check. Attended here. I remember actually like clients receiving

(08:58):
checks because the insurance company made too much money that year,
they turned around and handed premium dollars back to their clients. Well,
so when the hospitals start seeing that, right, they're going, well,
we're in a system right now that we can keep
escalating our pricing, right, And the insurance companies go, well,
how do we make more money if we can only

(09:19):
make and I can't remember the percentage off the top
of my head, but maybe it's like eighty five percent
they have to do in claims and administrative so they
can make a fifteen percent margin. Well, how do I
increase my fifteen percent margin. I need claims arise. I
need claims to go up to pay more in claims,
higher dollar amounts. That way, I can charge more premium
and make my fifteen percent grow. So's we're in a

(09:41):
huge cyclical environment where we're seeing claims. And I've talked
about this numerous times. When I first started doing insurance
and twenty years ago, you can break a leg and
go to the emergence room, it wasn't even a grand.
Now it's five grand, and they didn't put you in
a cast. I mean, that's the cost to go into
an emergency room for a broken leg. But everyone needs
a look at the fact that my deductible is more

(10:02):
than five grand nowadays, for most health insurance people out
there right now, your deductible's higher than five grand. So
what does that really mean to you? I mean, you're
gonna go to the emergency with a broken leg and
you're paying the entire bill. So the insurance cup is
not even on the hook. The hospitals making more money,
they control everything. So it's just it's a huge cyclical
problem that we're dealing with with the American healthcare system.

(10:25):
And that's why. You know, we promote so much to
go the private options. And you know when I mentioned
the group side, you know, I know you mentioned that
here when we first opened up today. You know, this
is a thing that we're really helping right now with
the smaller business owners. So if you're a group under
fifty employees, we really need to look at alternatives outside

(10:46):
of group health insurance. And that's one of the things
that covers since he really focuses on is being able
to go in look at your group and the termine
going hey, it doesn't make sense to do group health
insurance anymore. Let me help you transition from the group
old model right to individual models. For each one of

(11:07):
your employees, we sit down with them, We orchestrate an
option specifically geared to each individual employee. This has nothing
to do with the employer doesn't have to worry about this.
We're handling at all. Each plan works for each employee,
and on top of that, we're helping them eliminate out
of pocket expenses. You cannot have an employee right now
in today's market go in and me making fifty sixty

(11:30):
I don't even care eighty one hundred grand a year
and be on the hook for fifteen to twenty thousand
dollars in financial exposure year on just their out of
pocket expenses. We're not even talking about what they're paying
pre tax dollars for their premium payments. That's a whole
nother angle, right, So you know how many I mean,
I have employees. We have a lot, and I can't

(11:51):
look at them honestly and go, Okay, well you just
went into the hospital and you had an emergency room claim,
and you know now you owe six grand and you're
making sixty grand a year. So ten percent of your
income that you're gonna make this year is going to
be paying a hospital bill. That's not going to be
a very effective employee when they're working for a month
or two to pay off a hospital bill without question.

(12:12):
So we don't do that. I don't do that for
what we do. I don't do that for any of
the groups that have called in, Brian. You know, you
know we've helped almost every single group that's listened to
this show and called in, and not only were we
able to save them actual premium dollars, and I'm talking
about thirty to forty percent for the groups, I mean

(12:34):
even higher percentages for the employees, but they all left
with better coverage and eliminating the out of pocket expenses.
And it always I always get the question, this is
way too good to be true. Why hasn't anybody else
said anything about this in the past? Exactly? Why is
my other group? God keep telling me up. Sorry, your
rates are going up fifteen percent, But there's not really

(12:55):
anybody else better because no one wants to handle this.
No one wants to help these groups. The group guys
want to go chase the next four or five hundred
main group because that's how they make money. They don't
want to really work with the guys with fifteen and
twenty employees. There's not enough margins there. They're gonna come
out with a quote, this is what you're gonna get.
This is all we have. Pick option A or B,

(13:17):
but they're both going up in premium. Well, it's easy
to do that.

Speaker 1 (13:21):
And we've talked about this many times, whether it's an
HR person going out into the world looking for an
insurer or the owner of the business. Whoever's landed with
that responsibility certainly does not have the knowledge and insight
that someone like you has. And there's this perception. I
think it's sort of perhaps maybe fear of the unknown. Well,
everybody does it this way. I can't give up that

(13:41):
group model because or that one insurer with three options
hmo PPU country. That's way it's always been. And since
they don't know about you and the existence even of
a private insurance market, when you present it to them,
it's like there's no way that just can't even be
a real thing, John Ruhman.

Speaker 2 (13:59):
No funny thing, Brian. These type of plans have always existed.
And this is you know, I train a lot of
agents nationally. We have a lot of agents that actually
work under me all throughout the nation independently. And you know,
we do training seminars every quarter where I have agents
flying from all over the country and I actually sit
down and train them in what I do. So there
are other agents out there they work for me. They're

(14:21):
out there all over the country that you could find too.
But you know, the biggest thing here is they didn't
know that when they joined, and a lot of these
worked in other locations. Go wait, wait, I'm a prime.

Speaker 1 (14:32):
Example, man, Before I make you, I've worked for at
one point Anton Blue Cross, Blue Shield, one of the
bigger insurance companies at leasing that's what it was named.
Back then, I didn't know this concept existed.

Speaker 2 (14:44):
Yeah, I mean it was a ligation.

Speaker 1 (14:46):
Attorney for them. You mentioned private insurance market. I looked
at you glazed over like I did when we first
started talking about this, and that was only recently in
history's time, a couple of years now.

Speaker 2 (14:55):
So, I mean this is where I started. I mean,
my entire business when I first started, was going after
a small business owners, the mom and pop, the the plumber,
the guy that was electrician, the construction guy, the you know,
help I help a lot of lawyers that were in
small little practices, him in a paralegal. You know. That
was my entire business. So we were building these plans

(15:17):
a long time ago, twenty years ago as helping people
get exactly that's the same type of coverage. But you know,
most people just kind of think of the you know,
off the shelf product. I want, you have option A
B or C, which one do you want? And you go, well,
I'll take the lesser of the evils, right yeah, And
that's not how it should be. I mean, every insurance

(15:39):
should be nothing different than doing you know, investments, right,
I mean, you want to diversify, you want to have
your you know, you have to put all your eggs
in one stock, right, so you want to layer your coverages.
And that's what we do. I mean, I talked to
a listener not too long ago that was very apprehensive
and goes, tell me why different, I go, Well, because

(16:01):
we do customized plans. You know. One of the biggest
things that we look at is I want to take
the best aspects of each type of insurance plan and
I want to compile a plan specifically engineered for you.
And sometimes that can be through two or three or
maybe even five different insurance companies. It's about layering coverage,
it's about minimizing out of pocket expenses. Or really the

(16:22):
best way I always give you the analogy is, you know,
healthcare is you know what it is, right, and health
insurance is kind of like a bucket that has holes
in the hole. Bucket it's got holes in it all
over the place. And I'm like that guy that walks
around with that tape, you know those infomercials, and it
goes around just slap tape in the holes and goes,
look it doesn't penetrate, right, Like that's that's me filling

(16:43):
in the holes because I do not want health insurance
to be viewed from an angle where it's prohibitive. I
don't want insurance to go. I'm paying for health insurance,
but I'm prohibitive to get treatment because I know what's
going to cost me to do it. And I can't
tell you how many people have called in and go,
I have this. I haven't done anything about it because

(17:04):
I can't afford the out of pocket expense to do it.
And that's gun wrenching to hear. I imagine. So, but
it's a conversation you have every single day. Yeah, oh,
and then you know so again. Just look at the options.
Give us a call. I don't care if you're on
group insurance. I don't care if you're an employer. I
don't care if you're just Hey, I'm on the marketplace myself,

(17:26):
and I think I'm good for next year. Give us
a call, because I guarantee you, with the changes that
are happening for twenty twenty six, you're probably in a
bad situation right now, and you need to look at
the alternative options for next year.

Speaker 1 (17:38):
And they make it really easy, you know, he says,
give them a call, and most people here that are like, oh, okay,
I'm gonna have to sign up for something, They're gonna
want my credit card number, or this is gonna no.
They analyze your situation and do this thoughtful analysis and
provide you with a better alternative in most cases anyway,
for free.

Speaker 2 (17:56):
Absolutely free and out free every week.

Speaker 1 (17:59):
I gotta emphasize free, no cost, no obligation to you
called John of the team. That's like, and you guys
will do all the work, So initiating the call in
the conversation is really the only work anyone needs to do.

Speaker 2 (18:11):
And you know, kind of getting to our next segment
here what your doctors don't tell you. Let's be let's
let's be honest. Stop thinking that your doctor is an
expert in health insurance. We get that all the time,
especially when we start doing some of these customized plans
and go told my doctor about it. He goes, that
doesn't seem right. I'm like, listen, he went through twelve

(18:31):
fifteen years whatever it is of medical school. I'm sure
he didn't take one class in insurance.

Speaker 1 (18:38):
When insurance agents themselves do not understand what you're doing,
John that speaks volumes that they certainly a doctor would
not understand your practice.

Speaker 2 (18:46):
Absolutely not. And you know it's it's funny. We had
a we had a we had a client that we
set up and he went into his first doctor visit
and I guess that the person behind the desk turns
the women and goes, I don't understand what you have
here like this. We were not going to accept this,
so we actually had a call the doctor's office. We
got past the the entry level person and talk to

(19:07):
the billing person and explained it to her and she goes,
oh my god, like, how can you do this for us?
Like literally, that's when I'm you know, a client, another client,
but I mean, you know most of the people there
you don't understand how you can layer coverage. Is the
funniest thing is you go into a doctor's office and

(19:28):
you fill out the first intake for him and it
literally says primary insurance and right below that says secondary insurance.
And most people leave that blank right And I'm like,
it's on your form, ma'am, and she goes, oh, yeah
it is. I'm like, that's what my client has. They
actually have the secondary coverage, so they don't pay a copy.
They actually pay nothing while they're in here to see you.
Really Wow, that's kind of cool.

Speaker 1 (19:46):
Well, and that little component right there, the ironing out
of that confusion on the provider's side. You when you're
insure through John on the Team, don't have to worry
about that explanation or that ironing out. If they're confused,
they won't accept it or they don't get what you've got.
John on the Team iron out the situation for you, right, John, Absolutely,
And I'm just call John on the team. And again

(20:07):
just kind of going into twenty twenty six, you know
some of the things that doctors won't specifically tell you, you know,
I mean, then some people might be getting letters, especially
if they're on a certain Medicare advantage plan or different
plans that they're not going to be accepted for twenty
twenty six. That's a big indicator you need to give
us a call because you probably need to change your plan.
But again, going into twenty twenty six, this is the

(20:28):
biggest checklist I once you kind of go through, confirm
your doctors and network for next year. I can't stress
that enough. You know, there's so many plans that are changing.
There's there's terrors like ETNA is completely out of the
market for twenty twenty six. When it comes to the
under sixty five market for health insurance, you need to
make sure that you're in a good spot for next year.

(20:50):
The next thing is confirm your facilities or a network.
This is a big thing that most people don't really
understand sometimes is you know, sometimes you can actually have
a doctor in a network, but the facility he's not.

Speaker 2 (21:01):
Especially if you going through a procedure like a surgery
and you go into the wrong surgical procedure. The biggest
part of the bill isn't the doctor, guys, right, The
biggest part of the bill is the facility. Feel I've
literally watched bills come across my desk from major life
threatening heart surgeries where the surgeon gets like four or

(21:21):
five grand and the facility charges one hundred and twenty thousand.
So again, also extremely extremely important. The other thing too is,
you know, I tell this all my clients, especially when
they're going through major changes in their life or major claims. Right,
like think about a long hospital stay or a major surgery.

(21:41):
There is going to be bills coming at you left
and right from every person that even looked at your
medical records. That's what happens, right, get yourself a filet.
I have a Manila folder every time we have had
a claim. That's why I tell a client's just put
all your the bills coming in there from the hospitals
and the doctors and the lab and everything that's coming through,
and then match them with the explanation of benefits that

(22:03):
come through with the insurance companies. Billing codes are paramount,
and this just something that nobody really understands. But Google
AI helps you a lot now so you can actually
look up some of these codes. You be surprised how
many times things get billed improperly. These are the ICD codes,
ICB nine codes. We still at nine, or we like

(22:24):
at eleven or twelve. I think it's I think that
most of them are using the nines. There are thousands
of them. There's thousand of them, and there are things
that insurance companies don't cover. And the hospital doesn't care
if they bill a code wrong and your insurance company
declines it because they're just going to go to you.
I mean, you be absolutely surprised, Like how many times
I've seen claims come through and we've had to help

(22:46):
clients with things that get turned down, well why do
they get turned out? And then we kind of do
our research at that point. And I've even seen it
where the insurance companies were supposed to pay an acclaim
and then get paid. I had a client not too
long ago where literally they were calling and go I said, go,
oh god, this is Johnny told me this is gonna
cover all these out of pocket expenses. And then and
then I'm left with all this. I'm like, well, let's

(23:06):
let's look at your explanation of benefits. And I look
through and the insurance company to climb to claim, and
I go, well, this is absolutely should have been paid
and there's like six thousand dollars that should be paid
at on this one line. Wow. And so literally I
called the insurance company walk through them, and they go,
oh no, no, we yeah, you're right, we were supposed
to pay that. So I literally called the client back up, like,
I appreciate you reaching out to us. It took like

(23:28):
two weeks to get the answers at that point, And
I go, but you know, not only was your out
of pocket completely covered, there was an extra two grand
coming back to you. So I expect two grand over
what that bill actually was. And he goes, Oh my god.
He goes, I've listened to it all the time, and
I thought, I I see these bills that it was
completely wrong. He goes, But John like, it's exactly what

(23:48):
she said. And we went through exactly that problem together.

Speaker 1 (23:51):
From six thousand in the hole to two thousand above
and yeah.

Speaker 2 (23:55):
Yeah, and that's it. I covered his premiums for like
six months. Another way to look. Absolutely, he went out
to the track with the money. But you could have
said that'll hold that for your insurance. And the other
thing doctors won't tell you. And then most of times
this is their job, but sometimes they fail to do this,
and I've seen this happen. Confirm before you ever get
a surgery that you had a prior authorization by the

(24:16):
insurance company gets approved, Please do that. Most of the
time the doctors and the facilities they will handle that
and work that with the insurance company. But I've been
doing this too long to see the fact that sometimes
that doesn't happen, and then they go do the surgery
and then the insurance companies in decline it because there
wasn't a prior off going through and you're on the
hook for that claim, and there's not really a whole

(24:38):
lot I can do at that point. So again it listen,
at the end of the day, it always comes back
to you, right, valid point, and it always comes in life,
it always comes back to you. I mean, and they're
gonna come for you for that bill. So again, it's
just because something you remember. If you're gonna go have
a surgery, I'm not talking about like I went to
the emergency room I was having a heart attack, like
those typically get approved right away, there's no prior off.

(25:00):
But like let's say you're having a knee surgery or
I went and had my labor and repaired, there was
a prior off process that had to go through, right,
So again, just make sure you get that done. I
don't want people to be seen for, you know, bills
they could have avoided well.

Speaker 1 (25:14):
And the first stop to find out if there's been
a prior office for the person to ask their physician yes, and.

Speaker 2 (25:19):
They'll actually get a letter from the insurance company saying
it was approved. There you have it. So again, just
something to think about.

Speaker 1 (25:25):
Well, considering the limits of time, we have a few
minutes left, you want to mention something about the lost years,
the early retirement gap year.

Speaker 2 (25:32):
Yeah, so just kind of one of the biggest things.
If you're too young for medicare, people start thinking they
have to continue to work, right, you know, fear of
the high cost of insurance. All I've ever had was
group insurance. I really don't understand this process. We've helped
so many listeners navigate early retirement, and I think that's
one of the biggest things that we found in working

(25:53):
in partnership with you, Brian and marketing here with WKRC
was the fact that so many of your listeners have
taken that out of vice in an early retirement, reached
out to us even six months or a year before
they're even planning on doing it to kind of get
an idea of where it's at. And I take great
pride and the fact that so many of your listeners
are now retired because you told them they could do it,

(26:13):
because they can do and I walk them through those
steps and showed them that cobra is not an option.
Oh no, oh, dear Lord, you know, and it's it's
so expensive in that realm. And you know, listen, I mean,
you know, we have case studies where people have looked
at me I one here, like we had one that
was sixty years old with a family. They were looking
at twenty two thousand dollars a year. That was their
Cobra rates, I mean, and we save them, you know,

(26:35):
we got them down less than nine grand, so that
was their retirement. They go, oh, hey, for that that
big savings, I can retire So that was huge. And
I love those situations. You guys, you can retire before
sixty five. Hopefully you have some sort of retirement plan,
but you're planning on doing it, give us a call.
We can walk you through that scenario. We're here to

(26:55):
help you. We absolutely love to hear the fact that
you're going to be playing more golf, you know exactly,
so something up in the morning here.

Speaker 1 (27:03):
Private plans are a real thing, and you will walk
anyone through the whole reality of private plans and show
them a better way.

Speaker 2 (27:10):
You don't have to go to the brute plan.

Speaker 1 (27:12):
You can keep your doctor at least if they're working
through you kind from a situation where they're not in
this closed network. That is a frightening reality, especially since
at some point in time throughout the year, the network
may be dropped off.

Speaker 2 (27:24):
The plan now we see him happening in June. How
do you change your plan June? You can't. You can't,
And of course you can retire early. Talk to John
Roman and the team about that concept. It'll make it
a financial reality for you. Again, the service doesn't cost anything.
The information is free, and once you're working with John
on the team again, you have access to them, the

(27:44):
team that will work out the problems that you might
run into, like explanation of benefits, claims, denials, confusion generally, John,
you got me four policies of insurance. I'm getting ready
to go to the doctor. I don't understand this.

Speaker 1 (27:54):
You'll re explain it to them to the extent they're
left with any confusion, and even though you've already explained
it to them ahead of time, so they do all
the work for you. It's just a tremendous service and
it's a distinct honor to have been able to help
spread the word about what you do. And folks, if
you're outside of the greater Cincinnati listening area, just because
it's cover since dot com, they can help you all

(28:15):
fifty states. John has team members that he works with
out there in the United States to help you out.
The phone number to call is five one three eight
hundred Call five one three eight hundred two two five
five John, always a pleasure talking with This should be
required listening for everybody to understand the nefarious reality of
government healthcare. Maybe we should bookmark this sea to your Congressman.

(28:37):
Exactly right. This has been another edition of Rethink Healthcare
together with John Romand from cover.

Speaker 2 (28:41):
Since you