12-18-25 FULL SHOW - A Healthcare Roundtable, And Trump Gave A Speech

A healthcare roundtable with a focus on free market options, Trump gave a speech, and more power outages expected today.

Episode Transcript

Speaker 1 (00:00):
The Mandy Connell Show is sponsored by Belle and Pollock
Accident and injury Lawyers.

Speaker 2 (00:05):
No, it's Mandy Connell, Mayna.

Speaker 3 (00:11):
KOA, n FM, got WA, Sady and the Nicety Free.

Speaker 2 (00:22):
Andy Connall, Keith sad Bab.

Speaker 4 (00:27):
Welcome, We welcome to a Thursday edition of the show.
I'm your host for the next three hours, Mandy Connell.
I'm joined by my Marvel wearing shirt right hand man,
Anthony Rodriguez, you can call him a rod Today, I
am super excited.

Speaker 5 (00:44):
I'm so geeked out.

Speaker 4 (00:45):
Guys. When I get excited about something, I get excited
about something, and sometimes I get excited about really dumb
stuff to other people. But I am here to tell
you some of the stuff that is happening right now
in healthcare. The options that you have in health And
I know what you're thinking right now. You're like options, options.
Oh yeah, you've heard me talk about them. I do

(01:06):
commercials for Pinnacle Advanced Primary Care. So as people's primaries
are excuse me, as people's premiums have skyrocketed this year
for a variety of reasons, whether it's the expiration of
the subsidies for them, or it's just the fact that
health insurance went up this year, they are starting to
look at other alternatives, and direct primary care and medical
share programs are a phenomenal, phenomenal alternative for most people.

(01:32):
There are some caveats, and those caveats are why at
two o'clock, Well, you're gonna do a healthcare roundtable where
we're going to talk about these alternatives and how free
market solutions are working, what their limitations are. You can
ask questions, because I've gotten so many flipping emails about
this and some of the questions I'm getting, you guys,
I honestly don't have the answer to myself, so I

(01:54):
thought I would bring the pros in. It is not
gonna be an hour long commercial. I mean, I guess
it is because I'm promoting the concept of direct primary care.
As a matter of fact, a very close friend of
mine and I had a phone call this morning. She's
in Florida. Her insurance premiums are insane, She's got a
ten thousand dollars deductible, and I talked her to her

(02:16):
today about going direct primary care with a medshare and
she's on it now.

Speaker 5 (02:20):
I mean, she's like, I'm doing that. So we're gonna
get a lot.

Speaker 4 (02:23):
Of questions answered, and I hope you get a lot
out of it. I will say this, if you're one
of those people who listens to the Whole show, and
I just want to say, you are my favorite people. Okay,
don't think for a moment you're not. So if you
listen to the Whole Show and you love of the Day.
We are not going to do of the Day today,
but we're going to double dip tomorrow because we have

(02:46):
some super special guests coming in tomorrow.

Speaker 5 (02:48):
We have two different.

Speaker 4 (02:49):
Sets of super special guests, so we are going to
do two two of the Days, and everybody's gonna play.
Everybody's in the pool. I'm not telling you it's coming
on to Marrow's going to be a surprise, right, Anthony,
A surprise?

Speaker 6 (03:01):
Yes?

Speaker 5 (03:01):
Okay, sure, So let's jump in into the blog.

Speaker 4 (03:04):
Because really, we got two hours to talk about a
bunch of stuff, and did you Hey, Okay, we're gonna
talk about President Trump's speech in a minute. Okay, here
we go. Uh find the blog at mandy'sblog dot com.
Look in the latest post section for the headline that
says twelve eighteen twenty five blog a healthcare roundtable and
Trump gave a speech. Click on that and here are

(03:26):
the headlines you will find within bag blog.

Speaker 2 (03:30):
Blown away ships and clippers.

Speaker 7 (03:34):
A that's going to press.

Speaker 5 (03:35):
Play today on the blog.

Speaker 4 (03:38):
Let's talk about alternatives to our broken insurance system. Trump
gave a speech last night. Nominate your hero today? More
power outages today. How excel goes about shutting off power
Growing up in the legal weed era in Colorado. The
Colorado GOP must move on from Tina Peters DEEI is
embedded in the new women's soccer stadium. How's please do

(04:01):
this for your wife this year? Miracle flights are as
old as airplane travel. Voters prefer moderates, Bo Nixon's overdogs
or raising money. I missed the preschool ornaments. Dan Bongino's
leaving the FBI. The progressive income tax leads to more
tax giveaways. YouTube gets the oscars. A cure for autoimmune

(04:22):
disorders may happen soon. The McDonald's CEO gives out free
career advice.

Speaker 5 (04:27):
Why time moves so fast?

Speaker 4 (04:29):
Taco Bell brings back the case of Rito think curiosity.
Not convincing those seem like a racket to me. This
is creative, I guess millennials have hit the midlife crisis.
Being good at conversation is easy. How else should have ended?
Let's go Indiana Bears the Green Apples comparison I played

(04:49):
on yesterday's show. Those are the headlines on the blog
at mandy'sblog.

Speaker 5 (04:55):
Dot com tick Tech two all winner.

Speaker 8 (05:00):
Yes, Nancy delayed there because you had a typo? What
yeah where apparently bearing?

Speaker 9 (05:07):
Um?

Speaker 5 (05:08):
Yeah, I was just gonna gloss over that.

Speaker 6 (05:10):
Uh huh yeah, the pause, Yeah, I was, you know, No.

Speaker 4 (05:15):
I I paused because I my finger did not operate
the roller scroller there properly. That was operator error, but
different because she is a giver. Well, can we can
we start? Let me just start with a sports story
the Chicago Bears.

Speaker 6 (05:36):
Ah, yeah story.

Speaker 5 (05:39):
This story is fantastic.

Speaker 4 (05:40):
So the Chicago Bears put out a press release because
they have been trying in the city or in the
state of Illinois. They have been trying to build a
new stadium for several years now. They have des it.
They found a site Arlington Heights, they presented plans to
Cook County. They've done all of these things. They've spent
millions of dollars in site studies and develop I mean

(06:02):
all of this stuff, and the State of Illinois is like, man,
you know, they're just they're giving them nothing. And I'm
not saying that they're demanding all these big giveaways. What
they're asking for is a partnership with a legislature in
the city on things like infrastructure for the stadium. They're
not asking the taxpayers to pay for the stadium. All
they're saying is, look for a project of this size,

(06:25):
it is not unusual, and they're right for a legislature
and a city to get together to figure out how
what they can do to support this project. And and
they've just got nothing from the State of Illinois. So
they're essentially say in this press release that they're looking
at sites, including in northern Indiana. Now I looked it

(06:49):
up Gary, Indiana. Yeah, is thirty miles from Chicago, not far.
That is the state that's less actually than the Dolphin
Stadium is for miamieh.

Speaker 5 (06:58):
Right, So I'm it's not crazy.

Speaker 4 (07:01):
But do you I mean, do you really think there's
going to be a chance or is this just them
flexing and saying we'll live it?

Speaker 6 (07:10):
Yeah, watch us if I may.

Speaker 8 (07:12):
My tweet from last night, God bless the Walton Panner
Family ownership group. You don't have to put up with
this nonsense because this, for what it is, is just
looking for leverage and getting the fans on their side.

Speaker 4 (07:24):
Well, I will say this, I'm not in any ways
disagreeing with you about the Walter Petnter ownership at all.
But this is one area where Colorado and Denver get
it right. They understand the power of these sports franchises.
They understand what these teams mean to the residents of Denver,
and so they they, I think, have done a much

(07:45):
better job the government. And you know I never praised
the government, but I will say in this respect, governmental
agencies in Colorado do a much better job with our
sports teams. I believe in making it, you know, a
welcoming environment for our sports team. It's too bad that
do that for the rest of businesses. But you know whatever,
I beggars can't be choosers. So they sent the letter out.

(08:07):
I got the letter on the of the blog today
and it's it is quite spectacular. Yesterday on the show,
I played audio of Constantine Kissen using an analogy of
poison green apples as an analogy for Muslim mass immigration
that has led us to a situation where we're now
seeing Islamist and I'm just gonna say it, they make

(08:30):
up a fraction of the Muslim population, a fraction.

Speaker 5 (08:35):
How big, you.

Speaker 4 (08:37):
Know, depends on where you are, but it was a
great analogy. I put it on the blog today at
the very bottom. If you want to have access to that,
I found it on x Now I already mentioned our
healthcare roundtable coming up at two o'clock. I'm going to
be very, very excited. We've got doctor John Dygert. He's
the founder of Pinnacle Advanced primary Care. Lisa Fagan, she's

(08:57):
with Smith Medical, which is now a surge of center
that is a cash pay surgical center. And Preston Guthrie
was Zion health Share. Lots of you were asking questions
about health Share, specifically how they work and things that
you've heard. So I'm really looking forward to talking to
Preston and getting more information about all of that. Now,
let's talk about Trump's speech last night. So I didn't

(09:21):
watch it last night. I had all these different things happening.
But I got up this morning as I do, and
the first thing I noted was, oh my gosh, it's
only eighteen minutes long, because there's nothing worse than getting
up in the morning. The first thing I do pull
up YouTube, pull up the president's speech, and I looked
down and it's like, oh.

Speaker 5 (09:37):
It's an hour and twenty nine minutes.

Speaker 4 (09:40):
And I'm like ah, because then it takes my attention
away from what I need to be doing, which is,
you know, show prep. So I was like, yes, it's.

Speaker 5 (09:48):
Just eighteen minutes.

Speaker 4 (09:51):
I'm wondering from you guys, I want to ask you
via our common here are common spell.

Speaker 5 (09:59):
Nancy's going to be so happy with that.

Speaker 6 (10:01):
Well, let's see how we say that.

Speaker 4 (10:03):
Yep. So I want to know from you guys on
the Common Spirit Health text line at five sixty six
nine oh. You can text us five sixty six nine zero.
I will tell you, uh that I was grateful it

(10:23):
was short, and and then I watched it and my
view of what he was saying, I mean, he always exaggerates, right,
No one's ever seen inflation like that. That's just patently false,
but whatever, So he exaggerates things. But he did make
some really good points. But I want to know from

(10:44):
you guys what you thought if you watched it five
six six nine oh, is the text line, give me
a text Mandy, most, if not all, met share ads
I hear on iHeart are faith prayer based.

Speaker 5 (10:57):
Is this true for all of them? No, it is not.

Speaker 4 (10:59):
That is one of the questions that we will address
this afternoon in the two o'clock hour. Mandy, I hadn't
watched the president's speech. He comes across as manic when
you watch him. Hearing a replay today was much better. Yeah, yeah, Mandy.
I like Ben's take on the move to Gary, Indiana.
The gear bears ay, Yes, that's hilarious, Mandy and a rod.

(11:28):
So the power outage excel and implanted put thousands out
of heat. Why isn't anyone talking about this, just saying
they're not just out of power? How are they heating
their homes with no power? And then he goes on
to give a bunch of different wattages with stuff. I'm
telling you, guys, the future of energy in Colorado, if

(11:53):
Democrats remain in control of the state, is going to
be reliant on energy that has already been proven to
be unreliable. And one of two things will have to happen.
One we will have to somehow in the next ten
years perfect massive batteries that will take up thousands and

(12:16):
thousands of acres that will be our backup when the
unreliable energy doesn't work, or everybody's gonna buy a generator
in certain parts of Florida when you're on the coast,
especially in wealthy areas, like when you go to Naples, Florida,
for instance, which is like the whole place just smells

(12:37):
like money. Right, You're like, what is Oh, that's one
hundred dollars. Okay, I got you, that's Naples. Every single
house in Naples, Florida has a whole house generator, every
single one.

Speaker 5 (12:47):
And what's ironic is is that.

Speaker 4 (12:48):
If they're going to turn off the power for green
energy and all of these people are gonna fire up
their gas power generators, doesn't that completely defeat any sort
of purpose they were trying to get out of here.
I've been trying to get a generator store on the show,
and this is the kind of thing where I'm like, dude,
we should be selling tons of generators today because that

(13:11):
is the future of Colorado.

Speaker 5 (13:13):
What's happening right now now?

Speaker 4 (13:14):
I do want to direct you to something on the
blog today by Jen Schuman from Rocky Mountain voice. She
did a really good explainer of how these decisions to
turn off the power are made according to the plans
that XL had to.

Speaker 5 (13:26):
Have approved by the PUC.

Speaker 4 (13:29):
So very interesting to know the process, and it is
indeed a process.

Speaker 5 (13:33):
But let's be real.

Speaker 4 (13:34):
They call them public safety. It's the public wait, public
safety power shut off. If we're honest, it's called the
liability power shut off. And again I said it yesterday.
It's a smart business decision for Excel. Anyway, you can
check all that out. But I want to get back

(13:54):
to the blog because I don't want to go too
long on this speech. Mandy. It's weird, but that's old
Donnie for you. Mandy. I'm usually against giving away money,
but I kind of like the idea of the military
getting a bonus. Mandy. I watched Joe Biden's speech last night.
Sure hope Trump wins. Yeah, Mandy, that was Trump's attempt

(14:17):
to save the midterms. It was, it was and here's
one Mandy spoke like he was angry with the American people,
and that, my friends, it wasn't even angry for me
that I got. It was we were being scolded for
not appreciating how great the country is about to be now.

(14:41):
To his credit, he didn't wander off into the you know,
affordability as a hoax nonsense, because that is a gut
check for many people right now just trying to get by.

Speaker 5 (14:51):
Right.

Speaker 4 (14:51):
He didn't say that, But the entire purpose of the speech,
yes earlier Texter was to save the midterms. But it
almost came across as him basically being.

Speaker 5 (15:03):
Like, you ingreats.

Speaker 4 (15:05):
Here are all the great things that I've done for you,
and you just need to wait. And here's the thing.
I do believe that the economy could get better. It could,
especially if they can finally. I know it's crazy. I
don't even know why I think it. You know what
I was about to be, Charlie Brown, I was about
to and you know what Congress is telling me, Hey,
we're gonna go back to regular order and do good

(15:26):
budgets again. And I lined up to kick the budget football,
and they snapped, They're gonna.

Speaker 5 (15:31):
Snatch it away.

Speaker 4 (15:32):
I don't even know why I think a fall in
for it anymore. That being said, the things he said
in the speech, some of it was really good. It
would be better if other people were making the case
more forcefully, like the Republican Party, the Republican leadership, all
of that stuff. But there's things brewing in the Republican Party.
There have been some and I don't want to call
him quiet rebellions, but in a way, they are these

(15:55):
discharge petitions that Republicans are signing on for to force
votes on the floor of the House. You know, I
think Margery Taylor Green, in big part, according to her,
is resigning because she made promises about transparency, about doing
things in regular order, about all of these things, and

(16:16):
she's realized Congress has no interest in actually doing the
things that many of them campaigned on. And there's nothing
surprising in this. By the way, as a professional political
observer for over twenty years now, I've seen this song
and dance before. It's everybody promises everything, and when I ask,
and I'll ask every single one of them, what makes

(16:38):
you think you can go to Washington, DC and change it?

Speaker 5 (16:41):
What makes you think that? Do you know how many.

Speaker 4 (16:45):
People I have talked to, Oh, when I get elected
to Congress, I'm gonna go, I'm gonna change things. I'm
gonna be part of that cleaning up of DC. And
it never flipping happens. Mandy The President looked miserable, angry,
and speeding through that speech. He had too many narcissistic injuries.
That from Donna. Mandy. I was somewhat relieved the President's

(17:08):
stayed on script, but he didn't seem happy about it.
I was happy about the graphs, honestly, the graphs were good.
The graphs were good, Mandy. Have you ever been to Gary, Indiana?

Speaker 6 (17:19):
I have.

Speaker 4 (17:20):
It's like visiting a third world country with crumbling, demolished buildings,
people hanging out on street corners with nothing to do.

Speaker 5 (17:26):
It's horrifying.

Speaker 4 (17:28):
I can't imagine that any business would legitimately move there.
You are correct on all fronts. Gary, Indiana is not
in a good way, Mandy.

Speaker 5 (17:38):
It seems like.

Speaker 4 (17:39):
They gave Trump a Coca Cola beforehand, not even the
diet coke. Mandy. What time should we expect tomorrow that
people in Boulder, Well, that people in Boulder will be panicking,
loading the stores and eating their children because the power
got shut off again. Asking for a friend, I don't know,
and eleven Boulder. You people aren't your own.

Speaker 8 (18:02):
Mandy.

Speaker 4 (18:02):
It's my understanding. The seventeen seventy six bonus for the
military has not even been approved by Congress, so there
are no checks in the mail. We'll have to see
about that, Mandy. Most of northwest Indiana are Bears fans.
I bet they would get the money together and support
the move. You have to get south of it. Now,
how do you say this city in is it Indiana Lafayette?

(18:24):
Is it Lafayette or is it Lafayette Lafayette Lafayette, Indiana? Yeah, Okay,
that's pronounced multiples of ways across this great country of ours.

Speaker 6 (18:34):
That's seventeen seventy six. Check.

Speaker 8 (18:36):
Yeah, if it could have been two thousand, Why can't
we just make a two thousand?

Speaker 6 (18:39):
Not just a big lipstick on it?

Speaker 4 (18:41):
Because of America the sesquicentennial coming, but because of making
it that amount made it kind of feel like a
slap in the face.

Speaker 8 (18:50):
I don't think, you know, here's lipstick on a pig
to blanket everything else that isn't right with my speech
and going on.

Speaker 6 (18:57):
I don't know it. That'll kind of gross.

Speaker 4 (18:59):
Well, well, I mean, here's the thing.

Speaker 8 (19:01):
Awesome, don't get me wrong. It's awesome for who it's
going to. But because of the number, it's like it's
called a pander.

Speaker 6 (19:10):
Yeah, and it's.

Speaker 5 (19:10):
Called pander pander Mandy.

Speaker 4 (19:14):
Next, taxes minimizing government waste, slice one hundred percent over
the slow Joe Farce, Mandy, Sean Hannity, Mark Levin. Another
Maggat will say Trump's speech is one for the agent.

Speaker 2 (19:26):
It was not.

Speaker 8 (19:28):
Here.

Speaker 5 (19:29):
I mean it was not.

Speaker 6 (19:31):
It was not.

Speaker 4 (19:33):
But at least he didn't announce we were going to
war with Venezuela.

Speaker 5 (19:35):
So there's that.

Speaker 4 (19:36):
By the way, I'm not cherry picking only the negative ones.
I'm just reading you what's coming in this one says
last night President's speech was a moment. It was phenomenal.
He stayed on point, and I thought it was awesome.
So put that in your pipe and smoke. That's what
it says. So yeah, uh, to your point a rod

(19:56):
about seventeen seventy six dollars being a slap in the face,
this says Mandy. I'm a veteran and I wouldn't take
seventeen seventy six as a slap in the face. Joe
Biden give him, didn't give him jack squad.

Speaker 5 (20:08):
He didn't say squat. I cleaned that up for that.

Speaker 4 (20:13):
So and knowing what you know, a private first class
makes in the army, I say give them money. Although
here's the thing, you guys like, I love the idea
of it, but it's not Donald Trump giving away his
own money, right, it's taxpayer dollars. And we've got all
of this money in debt. So it's really easy to say, oh, yes,
I love the spending for the group that I absolutely adore,

(20:34):
And ultimately it's almost it's almost not worth my while
to even talk about it because the money's going to
be spent anyway, right, So why.

Speaker 5 (20:42):
Did I give it to people I like? But that
that's kind.

Speaker 4 (20:44):
Of where how we got to where we are here now,
Stimmy checks and all that crap. You think that our
inflation was a coincidence that it came right after Stimmy
checks and the American Reinvestment Act, which just made up
a bunch of people not.

Speaker 5 (21:00):
Me rich, you know.

Speaker 4 (21:03):
So it's it's, uh, at what point are we going
to say just because we love the recipient doesn't mean
we should approve of the extra spending. Because what I'd
like to see is this, I'd like to see that
money not be spent. I'd like to see a real
effort to rain in the budget. I'd like to see
a real effort to because once we rain in the

(21:23):
budget and my rain in, I mean ultimately get to
a balanced budget. Because if we can just get to
a balanced budget, then growth and if we just keep
spending to under the rate of inflation right inflation, no higher,
then everything gets cheaper because then there are fewer It's
just it all would work, but nobody is serious about

(21:46):
any of that. No one is. And as long as
we're like, yay, stimmy checks for soldiers, which again I
know how much they make, and I love the idea
of it, but I can't just keep saying it's a
good idea.

Speaker 6 (21:57):
Well, that's exactly what I'm saying.

Speaker 8 (21:58):
Another texture has said exact same way to head line
is it's a lipstick on a pig. It just feels like,
here's all the things that I'm either promising or want
to do, but here's your headline checks for veterans. Yeah,
it feels like a toss in a throw in a
headline to cover everything else in that speech.

Speaker 6 (22:12):
And it felt insulting to me.

Speaker 8 (22:14):
Yeah, if I were a veteran or act a military,
I would feel like used, like, here's the headline checks.

Speaker 4 (22:22):
For vets, but look look at the starting pay for
people in the military, and then you'll understand why they're
not insulted.

Speaker 8 (22:28):
They're not insulted at all. Oh, they'll take it, and
they rightfully should. I just it felt like, Blake, it
is a pander. You're one hundred percent right, Mandy.

Speaker 4 (22:35):
Why isn't Tim Walls being investigated and dieted and prosecuted
for losing a billion dollars due to fraud in the
Somali community and all of those jackwads should be forced
to pay it back. And I'd be happy to give
it all to our military. I'd rather have it just
go back and pay down the debt. That's the thing,
you guys. It's it's like until we get to the

(22:57):
House of Representatives being able to pass budget in regular order,
meaning twelve different budget bills, because it's so much harder
to hide you know, earmarks for this, or you know
tax breaks over here for a special interest. It's so
much easier to hide that stuff in these omnibus bills.
These omnibus bills are full of so much crap. We

(23:20):
are still paying for Biden Era, We're still paying for
one time, one time COVID funds. They got built into
the baseline of next year spending because we keep passing
these omnibus bills and is you know, it's like, come on,
come on, it's super soup. What about doge checks? I'm

(23:42):
against those two. I'm against any kind of government giving
you something you didn't earn. You know, what I'd like
is the government to get out of my pocket so
when I do earn something, I get to keep it.
But we can't do that as long as we have
well over a trillion dollars in death since every single
year we are going to crush our economy, absolutely crush it.

(24:06):
We're gonna inflate our dollars even more. These are the
inevitable outcomes of the actions that we are currently engaged in,
and no one's serious about it.

Speaker 6 (24:15):
Now.

Speaker 4 (24:16):
You know, I feel like such a negative Nelly. And
I apologize Nelly if you're a positive person, but I
feel like a negative Nelly harping on all of this stuff.
But you know, I've got kids, I've got grandkids, and
I just think that if people on the left are
scared of Donald Trump because they think that he wants

(24:36):
to be a dictator, they ain't seen nothing yet. When
inflation gets completely out of control because no one will
buy our debt when government spending is completely choked off
by debt service and people really start losing benefits, people
that have no idea how to take care of themselves
because they are multi generational poverty welfare recipient types. And

(24:59):
notice how put a color on that, because that goes
across all colors. So I'm worried, I'm concerned. And so
it's easy and it sounds like really cool. And yes,
I'd love for young soldiers to have that extra money.

Speaker 5 (25:16):
I'd love it.

Speaker 4 (25:17):
I think they'd be great if we could like crowdsource
it and pay the money that way, that would be ideal.

Speaker 5 (25:24):
That'd be fantastic.

Speaker 4 (25:26):
Like let every American who says they support the troops
give ten bucks to a crowdsource and then give that
give that to the soldiers. I just am tired of,
to a Rod's point, using taxpayer dollars to pander when
we don't have them to pander with. Right, it's not
like we're doing well when it comes to government spending.

Speaker 5 (25:47):
So everything like this just feels like have you ever
this happened to me?

Speaker 4 (25:53):
One time? So I was invited out to dinner for
a friend of mine's birthday party, and she had this
great birthday party.

Speaker 5 (26:01):
And I never.

Speaker 4 (26:04):
Expect people to pick up the tab when I'm going
for their birthday because I'm like, it's their birthday, I'm
gonna go and whatever. But she paid for everyone and
it was really nice and generous and everything. But we're
all in that stage of life at this point where
we're all kind of broke, right, I mean, nobody has
that kind of scratch. So like a week later, she
confides in me that she's in like fifty thousand.

Speaker 5 (26:24):
Dollars worth of credit card debt.

Speaker 4 (26:27):
And the first thing I said to her is, why
did you pay for my dinner? Why did you do that?
And she was like, oh, you know, I wanted everybody.

Speaker 5 (26:36):
To have a good time. And I'm like, wait a minute.

Speaker 4 (26:39):
You can't afford for everybody to have a good time
on your dime. That's the United States of America cannot
afford to be generous to people, even if they deserve it.
We've got to stop. And I hate saying it because
I'd love for them to have it, but man, guys,
we got to get serious. I hate feeling that the

(27:00):
only grown up in the room and I'm not even
in the building.

Speaker 5 (27:03):
Let alone the room.

Speaker 4 (27:06):
Mandy. You said, for those view that think Trump wants
to be a dictator, you haven't seen nothing yet, then
went into an oh, I'm so sorry, I'm so sorry.
Thank you for bringing me back to that point. The
point is, when things get really really bad in the
United States, there will be a person who will run
for office. I don't know if they're going to be
from the way right or the way left. My guess

(27:28):
is the hard right because at that point, all of
these systems that have been set up by Democrats have failed,
including the media.

Speaker 5 (27:35):
So maybe it'd be a hard right person.

Speaker 4 (27:37):
But once people are clamoring for a savior, they will
allow so much more to happen that it isn't even
happening yet. And that's when things get really, really, really bad.
So all these people that think Trump is a dictator,
no way, you haven't even begun to understand what that means.
And it's not going to be Donald Trump. To be clear,

(27:58):
it's not going to be Donald Trump, because as worried
as I am, I don't think we get to that
point where it's that bad that quickly. So yeah, anyway, Mandy,
I'm okay with the warrior benefit, But like you, I'd
rather go towards our debt.

Speaker 5 (28:16):
Do you think it will be inflationary?

Speaker 4 (28:18):
Every dollar that we spend that we don't bring in
in taxes, every additional dollar is inherently inflationary. So yeah,
it's going to be inflationary.

Speaker 5 (28:32):
Just like.

Speaker 4 (28:35):
Tariffs also going to be inflationary.

Speaker 5 (28:38):
It won't happen on.

Speaker 4 (28:39):
A dime, but just like taxes, those companies are not
going to pay tariffs.

Speaker 5 (28:44):
So yeah, I'm concerned. Text from the Common.

Speaker 4 (28:47):
Spirit Health text line at five sixty six nine, Oh,
says Mandy.

Speaker 5 (28:50):
Really, just did it?

Speaker 4 (28:51):
Trump signed an executive order that reclassifies marijuana from Schedule
one to Schedule three.

Speaker 5 (28:57):
Not good?

Speaker 4 (28:58):
Now, I just ask a right now, we're actually just
talking about this on the break, and I don't know,
you know, executive orders have no long term impact, right. Whoever,
Let's just say a Democrat gets elected in the next
election cycle.

Speaker 5 (29:13):
Although I'm just.

Speaker 4 (29:13):
Gonna say it, you guys, I'm going to be super
upset because I actually think that we have on the
Republican side some very very very strong candidates for president,
and I look at who is sort of sizing things
up on the Democratic side, and I think one of

(29:34):
the best options and just just don't hurtle a shoe
at the radio when I say this. One of the
best options on the Democratic side would be Governor Jared Pulis,
and by that I mean at least he can occasionally
be sometimes reasonable, not all the time, but sometimes. But

(29:58):
the next president, if they're a Democrat, could just do
exactly what Joe Biden did, is that we're rolling back
every executive order. Now, I'm just going to say this.
There are a lot of executive orders that they would
absolutely immediately roll back. But he also did some good
stuff by executive order that I think could have a
really positive long term effect. But I wish Congress would
act on that stuff, you guys in the next legislative

(30:21):
session in Congress. If there's not some fast and furious legislation,
I think Donald Trump is going to lose a lot
of seats in the midterms, unless if the economy really
perks up in the new year, if it really starts
to go, then I think that is far less likely
to happen. And this is not even a commentary on

(30:42):
Donald Trump, right, It really isn't. I know people think
it is, but it's really not. However, the economy is
going in the midterms is going to determine whether or
not he still has a Republican majority in the House.
In the Senate, I saw Mike Lee, Senator Mike Lee
speaking of the Senate. He was talking about the fact
that right now, the minority party and it's currently the Democrats,

(31:06):
have this sort of by default ability to demand sixty
votes on any piece of legislation, when that's not at
all how the Senate is supposed to operate. There are
certain things that need a super majority, super things that
need you know, two thirds whatever, and by not enforcing

(31:28):
the rules around closer and filibustering, the Republicans are letting
it happen. And he explained how, you know, back in
the day, the Senate has always been committed to as
much debate on a topic as was needed to be had,
and the filibuster the ongoing debate was one way that
people could make it for their point, try to convince

(31:49):
people of their side, and they could stall a vote
in the hopes that more votes would come to their
side and they could defeat or pass whatever they were
working on. I simply not requiring an active filibuster meeting
someone following the rules where they have to stand in
the well and talk until they fall out or have
to go to the bathroom. By not enforcing those rules,

(32:13):
they've allowed this sort of default situation where Democrats who
are in the minority have the ability to pretty much
stop any.

Speaker 5 (32:22):
Big piece of legislation they want.

Speaker 4 (32:24):
And Mike Lee is like, all we have to do
is enforce the rules that are already on.

Speaker 5 (32:28):
The books, And I was like, imagine that. Imagine that.

Speaker 4 (32:33):
Imagine enforcing the rules that are on the books in
the Senate. Imagine if we got back to regular order
with twelve separate budget bills, where we could actually dig
in and find out what was actually needed, what actually isn't.
It's almost like we have a functioning government again. And
when you lay it all out like that and you
hear me talk about how dysfunctional both houses of Congress.

Speaker 5 (32:54):
Are, You're like, what are we even doing here?

Speaker 4 (32:57):
No wonder people are frustrated and irritated, angry, Not me,
never me. When we get back. I got to talk
about something that I saw the story today and I
laughed so hard. I'll explain why when we talk miracle flights.

Speaker 1 (33:14):
After this, the Mandy Connell Show is sponsored by Belle
and Pollock Accident and injury Lawyers.

Speaker 2 (33:21):
No, it's Mandy Connell.

Speaker 4 (33:23):
Mayna.

Speaker 3 (33:29):
Ninety one FM, got Way, Niceys through three, Andy Connall,
Keith Sad Babe.

Speaker 4 (33:42):
Welcome, Welcome, Welcome to the second hour of the show.
I'm your host for the next two hours, Mandy Connall,
John by Anthony Rodriguez. Together, we'll take you right up
till three and two o'clock. We're going to have something
I'm super excited about. We're having a healthcare round table.
You've heard me talking about direct primary Care. I'm doing
commercials for Pinnacle Advanced Primary Care and plans to membership.

(34:05):
But I man if I got a lot of questions
about this, especially as people are getting these insurance premium
bills for like two grand a month.

Speaker 5 (34:12):
I choked on that when.

Speaker 4 (34:13):
I saw it for coverage that doesn't even kick in
until you spend ten thousand dollars. It's insane. This is
an alternative. It's not for everyone. There are some details
we're going to get into today that hopefully will help
you understand if this is going to be a good
choice for you and your family. So that's coming up
at two o'clock in the meantime. I saw this story
today and I laughed so hard. The headline they get

(34:38):
wheeled on flights and miraculously walk off. Praise Jetway, Jesus, Jetway, Jesus.
That was a new one for me. Back in the
late nineteen hundreds when I was a flight attendant, we
used to call them miracle flights, right because you would
and I'm just going to give you a perfect example Hertford,

(34:58):
Connecticut to Palm Beach. You would board the plane in
either of those places and there would be twenty five wheelchairs,
now wheelchairs.

Speaker 5 (35:07):
You may have noticed when you go to the airplane,
they get to board first.

Speaker 4 (35:12):
They get to go on first because they need the
extra time and assistance. Don't you people know that? But
then the funniest thing would happen. You would land in
Palm Beach or Hartford, and because you would go to
each wheelchair person, you would go to each person using it,
Hey can you stay seated? And then after everyone else's deplane,
we'll have someone come on and help you off. Standard procedure.

(35:34):
Because they need a little extra help getting on, they
also need a little extra help getting off. But do
they really do they know, they don't when Carlos Gomez
is This is from the Wall Street Journal. When Carlos
Gomez's recent flight from Guadalajara was delayed, he asked a
gain agent why it wasn't.

Speaker 5 (35:53):
Weather or cruise shortages.

Speaker 4 (35:54):
There were twenty five wheelchair passengers holding up boarding.

Speaker 5 (35:58):
There were no such delays.

Speaker 4 (36:00):
When Gomez is light landed, most of those same passengers
stood up without assistance and bounded off toward baggage claim.
Social media has credited a divine intervention for this sudden
return to mobility, an enigmatic jetway. Jesus is curing these
passengers by the time they land, and the remarkable recovery
acts have been dubbed miracle flights. Yeah, the flight didn't

(36:24):
explain to Gomez that many able bodied passengers request wheelchairs
for the VIP experience an escort down the jetway that
lets them skip the lines and gives them first crack
and overhead space. Once they realize at the end of
the flight that they have to wait for assistance to disembark,
the healing begins. Yeah. This goes in a weird way.

(36:48):
Along with another story that I have on the blog today,
and it's an interesting story. About how in the United
States and probably around the world, but I mean, I
don't know about the rest of the world. In the
United States, we have gotten to the point where people

(37:08):
are normalizing crime. People are normalizing things like, yeah, when
I go to the grocery store, I get organic apples,
but I go to the self checkout and I just
ring them up as normal apples. Now, guys, that's called stealing.

(37:28):
It's stealing. There's no other way to put it. You
are stealing something you did not pay for, Okay. And
the reality is, and I cannot find this story on
the blog, and I know it's here. I absolutely know
it is here. It was here this morning. I'm just waiting. Oh, okay,

(37:49):
I know it's formatted poorly.

Speaker 5 (37:51):
I'll fix that.

Speaker 4 (37:53):
The headline on the blog is We're all immortal scumbags now.
And the headline from Business Inside article the United States
of fraud from shoplifting to gamifying returns. America's consumers are
turning into cheaters. And this is kind of exactly what
the wheelchair thing or you know what else, the emotional
support animals on airplanes. You guys, any person, any rational

(38:19):
thinking person, knows what a service dog is trained to do,
and they know that a service dog is a well
trained animal. So whenever I see a dog act in
the full pull in their lee, I'm like, that is
not a service animal. But the reality is very simple.
The reality is you can justify anything. You can do anything,

(38:39):
you can accomplish anything, as long as you can justify
it to yourself, right, isn't that what it is? I
finally convinced my mom. My mom is eighty two now,
in great health, but she doesn't move as rapidly as
she used to, and in our airport walking from like
the furthest seagates the new seagate to baggage claim. It's

(39:02):
a lot for her at this point. So I was like, Mom,
just get a wheelchair. You're eighty two years old, just
get the wheelchair. But my mom also waits at the
end of the flight and then gets the wheelchair off,
And I'm afraid these people are going to ruin it
for people like my mom who genuinely need the help.

(39:24):
By the way, I know that there's a certain amount
of pride that we all have, pride in our parents,
pride in the way we present ourselves.

Speaker 5 (39:32):
But if you are getting.

Speaker 4 (39:35):
Up there in years don't be too afraid to say,
you know what, a wheelchair ride to and from the
gate would be quite nice, because it makes the entire
travel experience so much better, so much better.

Speaker 5 (39:45):
I want to share some.

Speaker 4 (39:46):
Of this Business Insider article with you about, well, you know, how.

Speaker 5 (39:51):
We're behaving these days. Mandy doesn't say, Mandy.

Speaker 4 (39:56):
I always get a kick out of people's reactions when
I bring up what I've come to think is many
crimes against big businesses, small acts of deviants that average
shoppers commit without even really thinking about it. At first,
there's the usually denial, no, I would never engage in
the slightest level of fraud, But pretty quickly the confessions
start to roll in. Okay, I sometimes bring up more

(40:17):
organic apples as regular at the grocery store, and sure
I've returned an item after wearing it a time or two. Honestly,
I've forgotten. Sneaking snacks into the movie theater was a
no no ask other people feel guilty about it, and
the answer is generally not really. It's tough to lose
sleepover a bit of rule bending. Amid the state of
corporate power and inequality in America, our economic machine is

(40:42):
more impersonal than ever. Having a friendly local grocer and
corner store guy who's known you since you were a
baby is increasingly rare.

Speaker 5 (40:49):
They've been replaced by.

Speaker 4 (40:50):
Ever larger, colder conglomerates that are willing to act workers
on a dime pad executives' pockets, and focus on little
other than profits. Corporate America's new favorite toy AI promises
efficiency and reaches for them, and precarity and anxiety for
us against that that dropped. Some people have turned a
petty fraud policy, abuse and small acts of sabotage as

(41:15):
a means of getting back at their economic overlords. They're
engaging in spurts of shoplifting, take part in returning shenanigans,
and using their credit cards for friendly fraud. That's anything.
But they see or excuse these acts not as stealing,
but as small moments of deserved vengeance in a system
that violates their sense of basic fairness at every turn.

(41:40):
You know, there's a line of thinking that says you
can accomplish anything if you can justify it to yourself.

Speaker 5 (41:47):
And that's true.

Speaker 4 (41:49):
I mean, you can do anything if you've given yourself
a good enough reason. Right, Well, I'm stealing because my
kids are hungry. I'm stealing because these people they're rich,
they can afford it. Walmart, think about how rich they are,
they can afford it. They don't start to think that
in reality when they're stealing, especially from a big store, Walmart, Target,

(42:10):
any of your big retail stores. Those retail stores are
not going to absorb all of those losses on their
bottom line. They're going to pass the cost of those
losses onto the rest of the consumers. Now, I bet
you someone who is stealing organic apples for the price
of regular apples isn't thinking to themselves. I can't wait
until I drive up grocery prices on all of my

(42:31):
friends and neighbors who shop here. Don't think about it
like that.

Speaker 5 (42:36):
It's not rational.

Speaker 4 (42:37):
It's an emotional reaction. But I think it's kind of sad.
And I don't know exactly, you know, I don't know.
I realize that sometimes on the show I talk about
sort of the loss of religiosity in this country, and
religiosity for me anyway, and I might not be using

(42:57):
this definition quite exactly right. Religiosity for me is the
people that openly practice a religion, and it's used to
be that you kind of knew everybody's religions or faiths
or whatever, at least where I came from, because I
grew up in the Bible Belt. It does dip down
to northern Florida, and everybody knew about your religion. They
knew which church you went to, they knew who you

(43:18):
went to church with. But now we've fallen away. And
I'm not saying that people must have religion in order
to make moral decisions, but I think when you do
have strong faith, it is easier to make good moral decisions,
and you're less tempted by that sort of rationale that
stealing from this thing doesn't have an actual victim.

Speaker 6 (43:38):
Right.

Speaker 4 (43:39):
Oh, then they build this into their budget. Well, I
mean yeah, until everybody started doing it, right. I'm just curious, though,
I mean, don't please, okay, let me back myself up here,
because it makes it sound like I never do any
of these things.

Speaker 5 (43:56):
You guys.

Speaker 4 (43:56):
When I read the thing about taking candy into the movies,
I was like, oh, dang it, do you ever do that?
A rud Do you ever take candy in the movies?
Of course, I'm not gonna do it anymore.

Speaker 5 (44:07):
I will not. I haven't done it in a while.
But I have done that, and then I was like,
I am.

Speaker 4 (44:15):
Not without sin here. I do try to be an upstanding,
good person. I try to follow the rules. I am
a rule follower of my nature. I'm comfortable with rules.
As a matter of fact, A Rod sent me a
video yesterday of a guy that what are they playing?

Speaker 2 (44:29):
Pong?

Speaker 4 (44:29):
Beer pong? And they're making like every everything falls into
a quote house rule. I despise house rules. I despise
that because they're fluid and you, as the non house person,
you never get to know the rule until somehow it
applies against you while you're playing the game. Yep, I
hate house rules. But I am a rule follower. I

(44:50):
have two different golf rule books in my bag. You
want to play USGA rules, you want to play PGA rules.
What do you want to play?

Speaker 5 (44:57):
And here's the thing.

Speaker 4 (44:57):
If you say to me, ooh, I'm not really a
rule person. Let's just you know the hand wedge is fine.
I'm down with that too. I just need to know
in advance. Okay, no rule's great, I'm down as long
as I know what's going on.

Speaker 5 (45:12):
Mandy.

Speaker 4 (45:13):
Comedian Jamie Lissau jokes about ringing up all produce.

Speaker 5 (45:16):
As four oh one one bananas.

Speaker 4 (45:19):
See that's stealing, though, and he's making jokes out of it.
Now other people are gonna do it too, and grocery
stores are gonna wonder why they're selling so many bananas
but they're not actually selling bananas, Mandy. Disney World is
revamped their disabled policy, and some people who need it
have been left out. Why did Disney do this because
so many people were abusing the old policy.

Speaker 5 (45:40):
Exactly, Mandy.

Speaker 4 (45:42):
It's not stealing its system dynamics. Use the system to
your advantage. Is gaming the system? Different perspectives. This is
a perfect example of what I'm talking about. This texture
just justified stealing to himself or herself. However you look
at it, when you take something that you did not

(46:05):
pay for, you are not gaming the system. You are stealing.
You may be using the system in order to steal,
but you are stealing.

Speaker 2 (46:16):
See.

Speaker 4 (46:17):
I think part of this. I think things got really
This is gonna sound like such a jump, Just bear
with me. I think things got really out of control
when we all got napster okay, and we started stealing music.
And that is what file sharing platforms were. They were
stealing the music from artists and not compensating them for it.

(46:39):
And when you ask young people at the time, like
do you think that's stealing, They're like, no, it's just
file sharing.

Speaker 5 (46:44):
It's like, no, that's not how this works. You don't
get to do that.

Speaker 4 (46:49):
You don't get to do.

Speaker 5 (46:50):
That, and you know you just don't.

Speaker 4 (46:54):
Mandy, taking candy to a movie isn't ethically wrong.

Speaker 5 (46:57):
The theater is unethical.

Speaker 4 (46:59):
But you know what, the theater doesn't make any money
on showing the movie.

Speaker 5 (47:03):
They don't make any money on ticket sales.

Speaker 4 (47:05):
They make all of their money at concessions, which is
why everything costs a billion dollars, right, And I am
breaking the implied agreement. And maybe it could be explicit.
I don't know if there's rules somewhere that says you
can't bring candy it. But I'm breaking the implied agreement.
I pay them money, I come in. I want to
support the theater. I'm gonna buy food there, and that's

(47:28):
how they're gonna make their money. So yeah, Mandy, I
don't have a link for this, but I recently read
that Walmart is closing several stores to his shoplifting losses
and here's what's going to happen you guys those stores.
And it's not just Walmart, it's Walgreens. Walgreens has shut
down so many pharmacies across the country, and they're all
in high crime areas, and in many cities, the high

(47:51):
crime areas are also minority majority areas. This is not
me casting aspersions. This is me telling you factual information
and about the places where Walgreens has.

Speaker 5 (48:02):
Closed the stores.

Speaker 4 (48:03):
They've closed the stores because they were being robbed blind. Hey, Ayron,
if you have this experience where you go to go
get something, you walk into the store, you see it's
behind like glass, and I'm like, I'm out. I don't
have time to wait for somebody.

Speaker 6 (48:17):
Yeah. Like half the time, I'm like me too, me too.

Speaker 5 (48:19):
I'm like, it's not worth it. I'll get us.

Speaker 4 (48:20):
I'll order from Amazon, they'll deliver it to my house.
That I can't even I can't even imagine how much
they have lost in sales just from the hassle of
having to go and have somebody get your stuff. I'm like,
what are we in a little house on the prairie
where I'm gonna walk into CVS and be like, Okay,
I need enabling great lash mascara in this color, and

(48:41):
then they rush behind the counter to pick everything out.
It's insane, Mandy. It's not stealing to bring your own
food to the theater. You're adding to the supply. See
again again, this is.

Speaker 5 (48:52):
What we're doing.

Speaker 4 (48:54):
This is what we're doing, Mandy. I used to record
songs on my cassette player off the rain. Is that
ethical or unethical? The only time that would be unethical
is if you then turned around and sold that mixtape.
I guess if you gave the mixtape to someone else,
that would be unethical too. It's the usage after you

(49:15):
record it that is the problem. And Napster was fully
stealing music and sharing it with other people for free,
but they were sharing it in such a mass scale
that they took money out of the pockets of the artist,
and that's just wrong. Mandy. I used to borrow my
friend's LPs so that it could make my own mixtapes.

Speaker 5 (49:32):
Was I stealing?

Speaker 4 (49:33):
I mean, you could make the argument, what did you do.

Speaker 5 (49:37):
With it after? That's the thing.

Speaker 4 (49:39):
If they were just for your own enjoyment, I think
that's just different pockets of the same pair of pants.
You just made an early playlist. Right, it's what you
did after Mandy Napster wasn't stealing in Canada. They covered
the losses by slapping attacks on Rita blycds and giving
it to the music industry, all those Canadians. Mandy, the

(50:00):
government steals my income all the time with fees and
such without representation.

Speaker 5 (50:05):
Ten cent bag fees.

Speaker 4 (50:07):
We have representation, we just don't have enough of it
in Colorado to make a difference.

Speaker 5 (50:14):
We need to do a.

Speaker 4 (50:14):
Better job at making our arguments that bag fees are stupid, Mandy.
Yesterday at Fetex office, this guy was trying to ship
medicine candy and pictures of his butt cheeks to Puerto
Rico and he didn't do it because it was too expensive.
I'm not judging, I just have questions. I mean, the

(50:35):
picture of his butt cheeks, that's a nice touch. It's
a very nice, nice text. Mandy. Not want to not
want any of these people texting you to be my friend.
They're not trustworthy. They will cheat as long as it
benefits them. They cheat because they've convinced themselves that there's
wiggle room that it still allows them to not be

(50:55):
a cheater. Right, that's the thing I find that fascinating.
I've never been one of those people that thought.

Speaker 2 (51:04):
Now.

Speaker 4 (51:04):
Granted, when I was in sixth grade and I was
cast in a play where I had to say the
line algebra, What the hell is algebra? And I was
so certain that I was going to go to hell
if I said the word hell, because I was raised Catholic,
you know, get that pretty early, and I had to
go to the priest and get special dispensation before I

(51:24):
was comfortable saying the word.

Speaker 5 (51:27):
But I shook that if I.

Speaker 4 (51:29):
Do something wrong, I'm going to hell. Thing a long
time ago. Now, I do the right thing even when
no one's watching, because I want to be the person
that my kids are proud of, and I want to
do the right thing because I want to set a
good example. So me, I mean, you know, and I'm
not always I don't always get it right, you guys.

(51:50):
I'm not sitting here holier than now by any stretch
of the imagination. But give it some thought next time
when you when you find yourself having to rationalize something
in any way, you need to really examine what that
something is. Because every time you guys, justify that it
costs me more money, it costs a rod more money,

(52:10):
It costs everybody around you more money.

Speaker 5 (52:14):
It just does. Those are just the facts of life, anyway.
That is hilarious. Oh, that's so funny.

Speaker 4 (52:29):
No, this is not true, Jason, you did not do that.

Speaker 5 (52:32):
That is hilarious.

Speaker 4 (52:34):
Oh no, I don't want to read that on the
air because I don't want to inspire a bunch of
other copycats. But that's so funny. Read text line number
four ear on. It's really funny, Mandy. If I loan
a book to a friend, is that stealing? Do you
loan it to one friend or do you make copies
and loan it to a million friends. I do think
that's where it starts to matter. So yeah, I do

(52:57):
think there's a difference, Mandy. If you order from Amazon,
someone may game your porch. Would that be house rules? No,
that would be game. Never mind, don't steal my stuff.

Speaker 10 (53:09):
Man.

Speaker 4 (53:10):
Oh, here's a good question for the prior texter about
shipping butt Sheeks. Did the butt Sheeks way too much?
We'll find that out maybe on the Common Spirit health
text line when we get back.

Speaker 5 (53:21):
Dan Bongino leaving the.

Speaker 4 (53:23):
FBI and if the Colorado Progressive Income Tax passes expect
a whole bunch of special interest to be at the
Capitol with their hands out again. So Dan Bongino is
going to be leaving his post as FBI Deputy director,
and I'm guessing he's going back to podcasting. The guy
who will be taking his place, which is really what

(53:44):
I care about here in this story, is actually a
guy named Andrew Bailey, and he was brought on as
Bongino's co deputy. Nothing says we've got confidence in you.

Speaker 5 (53:57):
More than hey, here's your co deputy director.

Speaker 4 (53:59):
But his name is Andrew Bailey, and he was a
Missouri Attorney General and very very very much a supporter
of the Trump campaign, and he helped lead a Supreme
Court challenge to the federal pressure on social media companies
to censor the alleged disinformation you remember, most of which

(54:22):
actually turned out to be true. So let's see here
that what happens next. But I will tell you I
don't think I ever listened to Dan Bongino's podcast, not
because I have any ill will towards guy, just it's
not my cup of tea, right, I just probably never
listened to it. I will be listening to his first
episode because you got to wonder how much tea he's
gonna dish, you know what I mean?

Speaker 5 (54:44):
That would be It's going to be interesting.

Speaker 6 (54:46):
Now.

Speaker 4 (54:47):
I have a more important story for Colorado here. So
we're relatively certain. Now if anybody approaches you asking you
to sign a petition for a progressive income tax in Colorado,
kindly laugh in their face and walk away, don't sign it.
I am certain that they're going to have enough signatures
in the Denver metro, but they have to get signatures.

Speaker 5 (55:08):
From all over the state.

Speaker 4 (55:10):
Initiative one to eighty one is so full of gobblygook
and it is going to be an absolute nightmare. But
Rob Natelson at Complete Colorado dot com today has a really, really,
really good story about something that's been one of my
biggest pet peeves for forever, and that is the way
the tax code is abused by politicians to give payaway

(55:33):
or giveaways and pay back to donors and businesses they favor.
You really think that all of those tax deductions that
are in the eighty thousand page tax code were thought
of by politicians, I can.

Speaker 5 (55:46):
Assure you they were not.

Speaker 4 (55:47):
They were shot, they were come up with, They were
thought of by people who are going to then get
some politician that they have supported financially and you know,
with votes and stuff like that, lean on them, and
they're going to get their little carve out in the
tax code, which is why our federal tax code is
stupid at this point. It's so stupid. Right now, in Colorado,

(56:09):
we have a very nice flat four point four percent rate.

Speaker 5 (56:13):
You know what that means.

Speaker 4 (56:14):
It means that people who make less money pay less
in income taxes than people who make more money. That's
just the way a flat tax works. I mean, that's
that's exactly how it would go. But that's not good
enough because they want to take income taxes the highest
tax bracket that they want to install for really rich people,

(56:36):
you know, really rich people, those evil rich people, nine
point five to one percent.

Speaker 5 (56:43):
Guys.

Speaker 4 (56:44):
I cannot imagine that that is not going to deeply
affect our ability to continue to woo high tech industry
to this area. I can't imagine that it's not going
to do Washington State, which has been so incredible successful
in building the tech industry. In Seattle, they have a
zero percent income tax. Texas is now going after all

(57:06):
this high tech industry since Elon Musk has moved so
much stuff there. They have a zero percent income tax,
and we're about to put a nine point five to
one percent income tax on our highest earners, many of
whom work in the tech sector.

Speaker 5 (57:18):
That is just absolutely incredible. But that's not even the
worst part of his bill. The worst part of.

Speaker 4 (57:23):
This bill is as soon as it passes, if it does,
and please God know, is that all of the special
interests will be at the Capitol with their hands out.
They'll pay all of their lobbyist extra dollars to get
those little tax code write offs so they don't have
to pay the same taxes that the rest of us do.

Speaker 5 (57:42):
And if you're in the right.

Speaker 4 (57:44):
Kind of industry, a favored industry, so.

Speaker 5 (57:49):
Learned Wind, I'm looking at you.

Speaker 4 (57:51):
You're gonna be able to carve out all kinds of exemptions.
So please, for the love of God, don't fall for this.
The more complicated the tax code get, yes, the easier
it is for politicians to pay back favors and donors
with the tax code without us even knowing it, Because like,
why would I know the changes to the tax code

(58:12):
for a business that I'm not in.

Speaker 5 (58:14):
I don't even know what.

Speaker 4 (58:15):
The changes to the tax code that affect the business
I'm in are because I don't have to pay the taxes, right,
But if I own the business, I sure would, my
accountant sure would.

Speaker 5 (58:26):
So there's so much to this is just wrong, just wrong.

Speaker 4 (58:32):
Rob says, if you're skeptical, just imagine the pleas and demands,
and then he gives you some examples. Family farms can't
survive a nine point five to one corporate tax. They
need a special exemption. Healthcare is too expensive in Colorado.
Already protect Colorado's access to healthcare by reducing the tax
rate on providers. This new factory will create five thousand

(58:55):
well paying Colorado jobs, but it won't open unless it
gets an income tax reduction. You're starting to see how
this works. We should be clamoring for a smaller tax code,
a simpler tax code, not a more convoluted, more complex
one that's easier.

Speaker 5 (59:14):
To gain the system.

Speaker 4 (59:15):
And generally speaking, the people that really get screwed in
this situation are the law abiding citizens who just want
to pay what they owe and not a penny more.
And they just want to they just want to, you know,
do what they need to do, but they don't want
to feel like they're being taken advantage of. You guys
are going to get screwed because everybody else is going

(59:37):
to get the car outs, and they're going to spend
money based on what they project without the car outs,
and then when it falls short, they're going to come
back and try and raise your income tax rates to
make up the difference. Because they will never ever ever
this right now, the Democrat led Colorado government will never
admit that they are spending out of control. They never

(01:00:00):
will because for them, there is no out of control.
There can never be a big enough government until we
reach the utopia that they believe we can be, a
carless utopia where everyone but them is writing on mass transit,
where you know, nobody's eating meat, wolves are running wild

(01:00:21):
through the woods but not eating their pets and Boulder.
I mean, until we reach there, whatever their utopia is,
and by the way, spoiler alert, we're never actually gonna
get there. They will use whatever perceived failure they can
to grow the size of government and change these tax
rates even more, just as Californians ask them how they
feel about taxes and their return on investment in California.

(01:00:44):
Because when you know you can just go back to
the to the taxpayers and raise those rates. What is
the incentive to not spend more money when most Coloradines
are not even paying attention to how much money is
being spent. Otherwise we wouldn't see votes that we've seen
as of late to raise more money on other people.

(01:01:05):
Of course, and that's the other thing that I worry
about if this thing makes it on the ballot. People
here in Colorado, they don't want to raise taxes on.

Speaker 5 (01:01:12):
Themselves, no way.

Speaker 4 (01:01:15):
As a matter of fact, give them a chance to
vote on a lowering of the income tax on themselves.
Yes way, they will say, absolutely lower those taxes. But
as soon as you say we're going to get the
rich to pay for it. They have never seen a
program they didn't love because they don't really think, like,
what are they doing with the money they already have?

Speaker 5 (01:01:35):
How are they spending my money?

Speaker 4 (01:01:38):
Have you ever loaned money to a friend that was
in a bad way because they couldn't make their ranch
or the car payment or whatever, so you loan them
some money and then they're like, yeah, we're going on
vacation next month, and you're like, wait what. It's kind
of how I feel about government spending in Colorado. They're
always going on vacation, but they're always doing it with
my money. In one of my prior radio gigs, we

(01:02:01):
got to go to the Daytonah. We went to the
Pepsi four hundred. Daytona two five hundred is too hot. God,
it's like a billion degrees. No, I have that backwards.
We went to the one in February that's the Daytonah
five hundred. Nonetheless, I got to interview a guy who's
racing in the Truck Series I think then, and his
name was Greg Biffel and just one of the nicest

(01:02:22):
people you would ever talk to in your life. I mean,
just a genuinely nice man. And the news is breaking
now that his private jet has crashed with his family aboard,
and there doesn't appear to be much chance that there's
going to be survivors, and that's just kind of sad,
really really sad.

Speaker 8 (01:02:39):
Yeah, a lot of the racing community that I'm now
part of up at CNS, they're all posting about it today.

Speaker 6 (01:02:44):
It's terrible.

Speaker 4 (01:02:45):
I mean, a rod get to we get to interview
a lot of athletes and famous people and whatever, and
you you get to where you kind of get a
vibe from somebody right away if they're genuine or not
right and being you know, you can't fake being genuine
by design, and Greg Riffle was. He was just a
really genuinely nice guy. We did an interview with him.

(01:03:06):
He stood around and people were walking up and asking
for autographs and he was just super kind and.

Speaker 8 (01:03:11):
Just he apparently you know, a bit of a humanitarian
as well, helped a lot of people during Hurricane Helene
with the helicopter.

Speaker 6 (01:03:20):
So really really terrible, really really rough.

Speaker 4 (01:03:23):
So if you are a NASCAR fan, I'm very sorry
about your loss. As a fan, I just say, you know,
that's a that's a shame. It's a very sad thing.

Speaker 5 (01:03:34):
Okay.

Speaker 4 (01:03:35):
Now, I have a couple of things that I want
to get in before we do our healthcare roundtable in
the next hour. Number One, men, I love you. As
a matter of fact, I'm married to one of you.
I have two sons that I count among you. But
there's an area where men have really been dropping the
ball for a very very very very very very very

(01:03:57):
long time. And you know what it is. At Christmas,
everybody gets their full stockings off of the mantle, and
everybody opens up what's in their stockings, and guys, you
probably get your you know, your pair of socks and
some candy or whatever is in your stocking. You know
doesn't get a stocking. Mom Mom most often doesn't get

(01:04:19):
a stocking because for some reason, Santa forgets Mom. Dad,
you got to pick it up. Now, I just want
to give a little shout out to my husband. He always,
since the moment we've met, way better than I am,
has always made sure that I have a stocking at Christmas.
I don't know why Santa continually overlooks moms, but Santa does.

(01:04:39):
I'm I'm not saying it's misogyny. I'm just saying, oh,
take care it happens well good. Oh yeah yeah, come on, God,
big thing, big, big, big thing. So I can't even
tell you how many of my friends complain about this
on a regular basis, and I just don't say anything because.

Speaker 5 (01:04:58):
I have a great husband takes care of it.

Speaker 4 (01:05:01):
The other thing I want to point out now, you
can buy your very own overdog shirt. You know, I've
never bought a T shirt like this, but I think
I might buy an overdog shirt because I love it
so much. Isn't that like the whole vibe of the
Denver Broncos this year. Whatever they're doing, they feel like
the overdogs. Well, if you missed the interview with Michelle

(01:05:22):
Tafoya after the win over Green Bay and bo Nix,
she said, what do you think about being called the underdogs?

Speaker 5 (01:05:28):
Now? Well, let me just play it so.

Speaker 4 (01:05:30):
You can hear exactly what transpired. Let me have my audio, please, sir.

Speaker 7 (01:05:34):
Well, thanks a lot, bo Congratulations, what a game you
guys came in winners of ten street now eleven, but
you were the underdogs.

Speaker 4 (01:05:42):
What did this team show.

Speaker 7 (01:05:43):
Against a really difficult Packers team.

Speaker 6 (01:05:46):
That were the overdogs?

Speaker 9 (01:05:48):
Yeah?

Speaker 4 (01:05:48):
Oh THREEC Wolfson, thank you. I don't know why, I
said Michelle Tafoya.

Speaker 6 (01:05:51):
We had her on the show, that's why.

Speaker 4 (01:05:53):
Oh maybe yeah maybe so so he said that. And
now he's made shirts at Bownicks dot com, Shot dot
com that say overdogs on them and they're just simple
and awesome. And all of the money for this is
going to the Denver Rescue Mission, which is really really
kind of him. I wish I could, I wish I

(01:06:13):
could tell bow about step Denver. They're very cool, aren't they.
I think I just I want I kind of want
were of these? I think they're Here's the thing, I
have a collection of political T shirts. I have a
Ran Paul twenty twenty shirt that, while I will treasure forever.

Speaker 8 (01:06:31):
If you don't like the overdogs, yeah, does have bow
leave slides?

Speaker 5 (01:06:36):
I have to get one of those for uh.

Speaker 6 (01:06:39):
Without you looking, guess how much the bow leaves slides?

Speaker 5 (01:06:42):
I already looked.

Speaker 4 (01:06:43):
I don't see five dollars slides.

Speaker 6 (01:06:47):
Oh those are a little pricey.

Speaker 4 (01:06:48):
No, I don't do slides anyway. They fly off my feet.
There's the way I walk.

Speaker 8 (01:06:53):
I throw my leg shirt so far a T shirt
with bow Leave is half the price of the slides half.

Speaker 5 (01:06:59):
Or do you see? Oh got it right here?

Speaker 6 (01:07:00):
Yeah?

Speaker 4 (01:07:01):
Yeah, well, yeah, I love the overdog shirt though. I
think that's super cool. Whoever's doing his merch is doing
a good job. So if you want an overdog shirt,
go to shop bow nix dot com and know that
a portion of those proceeds will benefit the Denver Rescue Mission. Now,
got a lot of other stuff on the blog today,
and I'm just gonna say this. My daughter is sixteen

(01:07:21):
years old, and one of my greatest disappointments with the
Douglas County High School system is that they do not
make ornaments for parents at Christmas anymore. Remember when your
kids were little and they bring them the adore All
of them are on my tree right now. By the way,
all of the Q's ornaments are on my tree right now,
so I can see baby Q, medium Q, grown up

(01:07:43):
Q all on the Christmas tree. Love them well. I've
got a video. If you know someone, This mom shared
the most adorable ornament in the history of preschool ornaments.

Speaker 5 (01:07:57):
Ay rod, let me let me play this too.

Speaker 4 (01:08:00):
Look at this freaking ornament. It's just a little ball
that the preschool made with my son.

Speaker 6 (01:08:07):
I looked at it.

Speaker 2 (01:08:08):
I was like, this is the cutest thing in.

Speaker 5 (01:08:10):
The whole white world.

Speaker 4 (01:08:12):
And it says the string is very special, as you
will soon see. Unravel it and you'll find that it
is the same size as me. Okay, so a preschool kid.
It's a little ornament. It's a little glass ornament. Inside
it is a green ribbon. And she stretches it out
and she's like, this is how tall he is. I
love it so much. I'm gonna make one with a

(01:08:34):
queue and it's gonna be like a rope. It's like
really really long. What a great idea. Now I want one,
and I don't have any littles to make it for me. Okay,
when we get back. Healthcare roundtable coming up next. If
you are at your wits end trying to find affordable
health insurance, you've got to listen up to our next guest.
They're gonna tell you all about alternatives to the current

(01:08:57):
health insurance system. We're doing the good, the bad, the limitations,
all of it coming up right after this.

Speaker 1 (01:09:03):
The Mandy Connell Show is sponsored by Belle and Pollock
accident and injury lawyers.

Speaker 2 (01:09:07):
No, it's Mandy Connell.

Speaker 8 (01:09:10):
And Donna.

Speaker 2 (01:09:13):
Ka ninety one FM.

Speaker 4 (01:09:18):
Got they through free by Connell Keith You, sad Base, Welcome, Local,
Welcome to the third hour of the show. And as
they used to say in seventies television, it's a very
special edition of The Mandy Connell Show. This last hour,

(01:09:38):
we are going to talk about something that I am
so excited about on a daily basis that I should
work as the spokesperson for the freaking industry at this point,
Direct primary care medical health share plans.

Speaker 5 (01:09:52):
These are two things that you can use to.

Speaker 4 (01:09:55):
Change your healthcare delivery life honestly, the the current insurance
system sucks.

Speaker 5 (01:10:02):
We all know this.

Speaker 4 (01:10:02):
We know that the Affordable Care Act is nothing like affordable.
We know that it has distorted the market even more.
We know that everything is too expensive. We know we
have crappy plans that don't get us access to our
doctors and don't even kick in until we spent ten
grand a year. We already know this. So what we're
talking about today is an alternative. And it's not like
a pie in the sky alternative like we should try this.

(01:10:23):
This is working for so many people already, So it
is a healthcare roundtable about alternatives. And joining me in
the studio right now is the founder of Pinnacle Advanced
Primary Care, doctor John Diger.

Speaker 6 (01:10:35):
Thank you very much for having me.

Speaker 4 (01:10:37):
How did you draw the short straw to come here
and talk about this today?

Speaker 1 (01:10:41):
Uh?

Speaker 10 (01:10:41):
I think I don't know. I think April just gave
it to me. Actually this time.

Speaker 4 (01:10:46):
Well, you guys both can talk about it quite eloquently.

Speaker 2 (01:10:49):
Thank you.

Speaker 6 (01:10:49):
I appreciate that.

Speaker 10 (01:10:50):
But I guess I got the long stray actually because
I'm the one who gets to talk about it.

Speaker 5 (01:10:54):
Oh, there you go.

Speaker 4 (01:10:55):
And also with us, Lisa Fagan, you've heard her on
the show before. She is with Smith Medical. They are
a cash pay surgical center with a delightful pricing menu.
I went and looked at it today, so I could,
you know, plan my little touches and nips and talks
as I moved forward, a real.

Speaker 5 (01:11:12):
Idea what things cost.

Speaker 4 (01:11:14):
And you know, I kind of want to start with
how you both ended up going in a completely different direction.
I'm gonna start with you, doctor Dager. You're an MD,
You're a medical doctor. You went to medical school for
all those years, then you get out and you start practicing.

Speaker 5 (01:11:29):
Tell me about that experience.

Speaker 10 (01:11:30):
Well, I think part of it just came out of
necessity for me. I mean, I was starting to get
burnt out, and it wasn't because of the patients or
the people I worked with. It was because of the system.
It seemed like you would do two hours of clerical
work for every one hour of patient care. And that
wasn't what I envisioned when I got into the industry.

(01:11:51):
So I'm about twenty fourteen, so it's been more than
a decade ago. I started listening for alternative options, and
I listened to doctor Josh Umber with Atlas MD out
of Wichitak, Kansas.

Speaker 6 (01:12:04):
And actually, in the same podcast that.

Speaker 10 (01:12:06):
I learned about direct primary care, I also learned about
Surgery Center of Oklahoma, which is a direct specialty care
and you know, it's the same folks that do with medicals.

Speaker 6 (01:12:18):
So I was like, man, I want to be part
of that.

Speaker 10 (01:12:21):
So I had to finish out my contract at the
little town I was working at in Kansas and Colby,
and then I left that and went right into direct
primary care and haven't looked back.

Speaker 4 (01:12:31):
What are the differences in how you get to practice medicine.

Speaker 10 (01:12:35):
Well, like I said, you had to do so much
paperwork and you had to do so much billing and
coding stuff that didn't really provide any value to the patient.
And you could tell that like, no no patient ever
goes to the doctor and leaves and says, Wow, they're
so good at coding.

Speaker 6 (01:12:53):
That's not what.

Speaker 2 (01:12:54):
Happened over there.

Speaker 5 (01:12:55):
It's magical.

Speaker 10 (01:12:57):
But that's honestly, that's what was the in the forefront
of your mind when you were in the fee for
service insurance based system, as you had to make sure
you connected all the dots. You had to have certain
points in the history, you had to have certain points
in the review of systems and the physical exam in
order to meet a criteria for a level that you

(01:13:18):
could charge and then build the insurance company for the
care of the patient. And when you have that in
the forefront of your mind, you're not thinking about the patient,
which was disturbing to me. And that's the first thing
I noticed when I got into direct primary care is
all that was gone, Like you could just focus on
what the patient was telling you, listen bery carefully.

Speaker 6 (01:13:37):
It was like a.

Speaker 10 (01:13:39):
Carpentry term that I heard but back when I was younger,
which is measured twice cut once.

Speaker 6 (01:13:44):
It was like that.

Speaker 10 (01:13:45):
So you could do a better job when you're there
with the patient, so you didn't have to go back
and collect all the loose ends later.

Speaker 4 (01:13:52):
Well, least, I want to come to you because you
work with Smith Medical, and Smith Medical is actually named
in part after doctor Kevin Smith interviewed in like two
thousand and seven on my radio show in Florida about
the Oklahoma City Surgical Center, and that is what you're
named after. But how did Smith Medical Specialty Care come
to being here in Denver.

Speaker 9 (01:14:12):
Yeah, So two of our founders met doctor Keith Smith
through another company called HPA, which helps physicians stay private instead.

Speaker 5 (01:14:22):
Of going into the healthcare systems.

Speaker 9 (01:14:24):
And they met doctor Smith and they were like, this
is incredible. Why are you not doing this all over
the United States? And He's like, I'm just going to
focus on this one, but I'm welcome to give you
the blueprint and help you open it. So these guys
were like, oh, well, let's open one in Colorado. And
doctor Smith sat on our board for a little while
and we asked him if we could name our company

(01:14:45):
after him.

Speaker 4 (01:14:46):
I love that.

Speaker 5 (01:14:47):
Yeah, he's so great. He's wonderful. I mean, think about
that for a second.

Speaker 4 (01:14:50):
Though.

Speaker 5 (01:14:51):
He gave you like the keys of the kingdom by
saying I'll help you and tell you what you need
to do.

Speaker 4 (01:14:56):
That indicates to me that his motivation is far different
than some of the other motivations in medicine today, right.
I mean, his motivation is truly helping people and getting
them the healthcare that they need and truly deserve.

Speaker 9 (01:15:09):
Absolutely, and we all work together, which is great.

Speaker 7 (01:15:11):
Now.

Speaker 4 (01:15:12):
I've also got with us today from Zion health Share
and this is the part Preston, We're going to get
to you in pretty good depth here. In the second part,
of the hour because a lot of people I've gotten
so many questions in the last month about how direct
primary care works and how Zion health Share works with
all of this, so I kind of want to if
you could just give us a quick overview. We got

(01:15:33):
to take a break in about two minutes. Can you
give me like a thumbnail sketch of how health share
works to lay the foundation.

Speaker 7 (01:15:42):
Yeah, So, really, a health share is a community based
alternative to traditional health insurance.

Speaker 6 (01:15:48):
Right.

Speaker 7 (01:15:48):
It's a place that members can come together to share
one another's eligible medical expenses and needs. And unlike insurance,
it's built around transparency, right, simplicity, shared responsibility, rather than
focusing on profits and growth of the overall company.

Speaker 4 (01:16:07):
What are the big questions that I get? There's two
big big questions that people have. One they're like, tell
me about pre existing conditions.

Speaker 5 (01:16:15):
That's one of their concerns.

Speaker 7 (01:16:18):
Yeah, so there's one benefit and also it's kind of
a downside for some people is that hey, we're not ACA,
we're not ACA compliance, so we are able to put
into our guidelines. There are some things that hey, you know,
we don't want you to come into our community if
there are certain restrictions that don't make sense for a

(01:16:41):
community to take care of, right, And so there is
a look back period of twenty four months of hey,
is there something that you're actively you know, treating or
taking medication for. Then hey, that's not something that we
feel like this is part of the community's responsibility. But
we do have a waiting period, right, So if you
do come on and you've got something going on, after

(01:17:02):
the first year, there's a twenty five thousand dollars limit,
and then that tears up after about four years, and
then that thing is no longer considered pre existing. We
call them pre membership, but it's no longer a pre
existing condition and now it's fully sharable and it's something
that hey, this is part of the community.

Speaker 9 (01:17:18):
Now.

Speaker 4 (01:17:18):
If somebody has a question specifically to that when they
call Zion, could you answer those specific questions about specific
health get people are sending me their medical history, and
I'm like, I am the wrong person to answer the
questions about whether or not that and I'm so sorry
you have that if that is going to be a thing,
But can they get those specific answers for you?

Speaker 7 (01:17:39):
Absolutely? So there's actually a couple of things you can do.
We have a fantastic sales team. We've got a member
education team that they're just literally sitting in the office
right now waiting for the phone to ring, so that
way they can answer those questions. But we also post
our guidelines, our member guidelines on our website. Anybody can
go and read through those guidelines. We actually require that
you read them before for you join our health share,

(01:18:01):
so that way you don't feel like there's any sort
of you know, blind side situation for them, right, But
absolutely if you've got a situation that you want to
understand a little bit more, Hey, I've got this situation
going on.

Speaker 6 (01:18:14):
You know when when I joined.

Speaker 7 (01:18:15):
Zion, it was very much a like, okay, well I've
got this and can I be part of the qud
you know, And it's it's it's a very sympathetic conversation
of like, hey, yeah, absolutely, let's chat about this these situations.

Speaker 6 (01:18:29):
Hey, this may not.

Speaker 7 (01:18:30):
Be a good fit for you, right, And in those
situations that's where it's like, you know what, I'm not
a huge fan of insurance, but insurance is there for
those purposes.

Speaker 4 (01:18:38):
Exactly, and that and that's the thing, it's part of it.
Oh I got to take a quick break. When we
come back, I want to talk about how this works,
how all three of these work together to create like
a net, a safety net, and and I want to
get into specific examples.

Speaker 5 (01:18:52):
After we do this, we'll be right back. Keep it on, KOA.

Speaker 4 (01:18:54):
We're going to give you a real life example of
what this actually looks like when you are a direct
primary care who needs a certain level of care, and
how that works with the medshare, because I think an
example maybe the easiest way for people to wrap their
heads around it, because the hardest part about this is
that it is nothing like what we've been doing. Right.

(01:19:15):
That is why it's so hard for people to sort
of wrap their heads around, because we've all been brainwashed
into thinking that the way we're doing it is the
only way to do it, when in reality, it's a
much different situation. Manby are these folks paid advertisers? I
hope you just heard their commercial a moment ago, but
they are not in here.

Speaker 5 (01:19:31):
They did not pay for this. I am not being
paid for this. We are not paying each other for this.

Speaker 4 (01:19:36):
I think this is so critically important, and I'm hearing
from so many people that are being priced out of
the insurance market that we've got to do something different.

Speaker 5 (01:19:44):
And if you're thinking.

Speaker 4 (01:19:45):
About dropping coverage, don't do that until you go and
talk to Travis at chat or at Pinnacle APC dot
com about these various plans. He can connect you with
all of these things and really help you out. So
I want to start, doctor Dagert, We're gonna I'm come
to you my region revolution regenerative medicine has failed, even
though it hasn't in real life because I feel amazing.

(01:20:06):
But anyway, I come to you and I need your like, dude,
your knees jacked?

Speaker 5 (01:20:11):
What do we do there?

Speaker 4 (01:20:12):
First of all, do I need an MRI? I do
I want to get X rays? What's included? What am
I doing here?

Speaker 6 (01:20:17):
Okay, well, so you come to me with knee pain.

Speaker 4 (01:20:19):
I'm a member.

Speaker 5 (01:20:20):
I pay my membership fee every single.

Speaker 6 (01:20:22):
Month, exactly right.

Speaker 10 (01:20:23):
Yeah, you come in, you say, doctor Dagger, I got
some knee pain. I say, well, I'm sorry to hear that.
Mandy to hop up on my table. We'll do some history.
We'll ask some questions about when it hurts, how it hurts,
does it swell, that kind of thing, and then a
physical examination where we can get a lot of information.

Speaker 6 (01:20:44):
About what might be going wrong with your knee.

Speaker 10 (01:20:47):
Sometimes imaging like you mentioned X ray MRI would be appropriate,
not always, but we can usually decide that based on
the history and physical exam. Let's say that you had arthritis,
for example, which is a very very common condition that
causes pain in the knee.

Speaker 6 (01:21:07):
We could get an X ray.

Speaker 10 (01:21:09):
We have radiology partners that we can usually get an
X ray for seventy to eighty five bucks something like that,
and then that would help us in the diagnosis. We say, okay,
we know for sure now the pain you have is
from arthritis. Well, there's all kinds of different things you
can do, and I wouldn't just kneed jerk send them
to Smith Medical to get a kne replaced exactly exactly

(01:21:32):
that you picked up them, and so we could do
oral medications, physical therapy. We have great physical therapy partners
who are also cash based that we can send our
patients to and they do really, really well. We can
do joint injections right there in the office. So there's
all kinds of treatment modalities that we can offer. However,

(01:21:53):
if those are not working and we say, hey, listen,
you're getting to the point where this is really a
quality of life issue. This is limiting your mobility, this is,
you know, limiting your happiness. We've done everything else, why
don't we go ahead and consider thinking about knee replacement.
And that's when we would refer to Smith Medical.

Speaker 4 (01:22:14):
Now from the I want to talk about the financial
side of this transaction. Because you've got a membership fee
that gets great access to your doctors, gets you plenty
of time with doctor Dygert. But if we're talking about Okay,
we're going to do physical therapy, that would be a
cash pay physical therapy office. And I'm not asking you
for their price list. But the thing people need to
understand is everything is upfront. You know exactly how much

(01:22:35):
something costs before you commit to it, agree to it,
or go to it. So this is not like where
you're waiting to find out what your copay is going
to be when you get the bill later after you
go to physical therapy. This is all up front, which
for me is very very appealing. Now, when you're talking
about imaging and injections and things of all that that
stuff costs extra correct.

Speaker 10 (01:22:56):
Yeah, imaging is out at a radiology center, so they
have I mean negotiated. We have negotiated prices with them
for our patients.

Speaker 6 (01:23:05):
For cash based prices.

Speaker 10 (01:23:06):
So since it doesn't go through insurance, they don't have
to have the overhead to do the billing and coding stuff,
just like we don't and write GPC, So they can
just give you a price right up front, and we
get the imaging we need and then we can make
that decision for a joint injection. It's like the cost
of the meds plus I think it's a ten dollars
fee that we do, so that winds up being like
twelve bucks.

Speaker 4 (01:23:26):
I think people think that you guys are charging the crazy,
outrageous prices, but the reality is you're charging wholesale prices
because you don't have to pay for the insurance.

Speaker 6 (01:23:35):
Mentalman, right, Yeah, that's not a stream of revenue for us.
We're not trying to Oh.

Speaker 4 (01:23:39):
No, go ahead. I didn't realize what time it is.
I got to take a break. When we get back,
I the patient am going to Smith Medical. We'll talk
about that next.

Speaker 5 (01:23:46):
Okay.

Speaker 4 (01:23:46):
I am joined here in the studio with doctor John Dygert.
He is one of the founders of Pinnacle Advanced Primary Care.
You've heard me talk about them now for years. Then
we have Lisa Fagan from Smith Medical because they are
now a cash pay critical care office. They do surgery,
they do your big stuff, and every price is upfront.

Speaker 5 (01:24:06):
You can do what I do.

Speaker 4 (01:24:07):
You can go and look at their pricing menu and
map out your plastic surgery that you may want to
have just in cage you're thinking about that in the future.
All the pricing is there. And joining us via Zoom
is Preston Guthrie from Zion health Share. And I just
told Preston on the break, I'm like, boy, Preston, I
got a lot of questions for you, because I think
people are starting to understand the direct primary care and

(01:24:28):
we're coming to you, Lisa for my fake knee surgery
that I need. I think they understand what you do
because it's pretty straightforward. The health Share part is the
part that we're going to ask a bunch of questions about.

Speaker 5 (01:24:38):
In just a moment.

Speaker 4 (01:24:39):
I do want to answer this question, Hey, Mandy, wouldn't
it be better if doctors went into private practice again?

Speaker 5 (01:24:46):
Seems to me.

Speaker 4 (01:24:47):
Like it wouldn't be a bad idea. And I got
to tell you this took me back to my childhood
when we saw doctor Ozaki, the best pediatrician that finally
kicked me out of his office when I was twenty
one years old. They made me get a new doctor.
But when I was a kid, you went to the
doctor and you walked in and they said, okay, this
business is going to be twenty five dollars or forty
dollars or whatever it is, and you pay the money,
and then you saw the doctor, and the doctor took

(01:25:08):
care of you, and if you needed anything else like
a strip test or whatever, you paid for that that
was just the thing that you paid for.

Speaker 5 (01:25:15):
That is what this is. So in a way, it
is a return to private practice, but without the.

Speaker 4 (01:25:22):
Massive, cumbersome infrastructure that is required to take health insurance.
Do you guys know, either of you, how much health
insurance adds to the cost of running a practice.

Speaker 5 (01:25:33):
I'm sure you have some idea.

Speaker 10 (01:25:35):
Upwards of forty percent is the overhead or for having
a billing office where you fight with the insurance companies
NonStop in order just to get the payment.

Speaker 4 (01:25:46):
I want to come to you, Lisa, because now doctor
Dygert has examined me. We've tried some stuff and he's like, nope,
you need any replacement, I'm going to Cindy to Smith Medical.
What does that look like when I hobble into your place?

Speaker 8 (01:25:57):
Yeah?

Speaker 9 (01:25:58):
Absolutely, So the process from THEIRS. He sends over the
medical records, which is great, so we know what's going on.
So we immediately call the patient within twenty four hours
or less right when we get the referral, so it's
a fast process. We ask them like what their priorities
are and like surgeons, so we give them options on
like we have multiple surgeons that can do a total

(01:26:19):
knee since that's what you're getting done, and then we
refer them over to the physician and the physician gives
them a call and sets up a consultation. We make
sure that they have all the right imaging that they'll
need so that it's fast and they don't have to
go back and forth from there. Once they see the
patient and they want to move forward with surgery, then
we give them an upfront price prior to the day

(01:26:41):
of surgery, which is.

Speaker 4 (01:26:42):
Very rare in healthcare, is you know.

Speaker 9 (01:26:44):
And if they have a group share plan like Zion,
we reach out to Zion let them know that this
patient would like this, and we work with their group
share process.

Speaker 5 (01:26:55):
Does that help?

Speaker 4 (01:26:56):
And I want to come to Preston for this precedon
because a lot of people have questions about what what
Hells Shares cover, what they don't cover, and there's a
lot of concerns about that. So the current example of
the full knee replacement, you get a call from Smith
Medical that says, hey, Mandy is going to get a
full knee replacement. What happens on your end at that point?

Speaker 7 (01:27:17):
That's a great question. Now I'm going to correct one
thing really fast. We look at the word covered as
a bad word. So they are an eligible sharing request
is what we call it. So that was a hard
transition for me coming from the insurance world. But what
we want to do is we want to be involved
in this whole process. Right when this patient goes to

(01:27:37):
see their provider and they say, man, my knee is
hurting really bad, Like, that's where we want to start
looking at opening a sharing request process because now we
look at this from a point of view of we
want to help you through this whole journey. Because if
the doctor just says, hey, let's just do some physical therapy, Okay,
let's figure out how much it's going to cost. We
have something that's called an EYUA, or an initial unsharable amount.

(01:28:02):
People at home are probably thinking in terms of insurance
and that would be like they're deductible. But we look
at these euas on a per event basis, So this
whole knee situation is going to be one eyua. So
they're gonna go see their doctor. The doctor is gonna
prescribe them. Hey, let's either get you into an orthopedic surgeon.
Let's get you into surgery. Let's do all this stuff.

(01:28:24):
And now when we are working with Lisa's team, now
let's say, hey, we're going to make sure that we're
trying to get the very best rates, the very best costs,
and then we're going to take care of the payment.
Whether the patient wants us to just send them a
we can do like a virtual card, so that way
they can walk in and say hey, here's the card,
they'll pay for it, or we can send the payment

(01:28:46):
directly to the surgical center. We can reimburse the member.
We don't love doing that just because then it gets sticky.
We want to just remove the hassle. Getting a surgery
is always a scary situation, and we want to be
to help them. The other great thing is when Lisa's
team reaches out to us, or when the member reaches
out to us. You're assigned a member needs person and

(01:29:09):
you're gonna work with them through the entire time, right,
So you're not trying to call in, find somebody new,
work with somebody different. Try to explain yourself every single time.
You're gonna work with the same person, and the process
is going to be familiar to them, Like they're gonna
know the situation, they're gonna help them, and they want
these people to feel like, man, like all this health
insurance and paying for healthcare is scary. Let's try to

(01:29:33):
remove some of that burden and lower that cost, hopefully significantly.

Speaker 4 (01:29:38):
A lot of people on the text line are asking
questions about who is the final decider. Is there a committee,
Is there a group of people? Is it like we
put it on the internet for a vote. I mean,
how does that work on what gets approved, what gets
shared for yeah, and what gets shared and what doesn't.

Speaker 7 (01:29:55):
Okay, So we have, like I said, we have our
member guidelines. They are on there. You can go through
and read them.

Speaker 2 (01:30:01):
Right.

Speaker 7 (01:30:01):
So, like for example, while we were on the break,
I went through and I looked at knee or joint
replacement surgery, and it says in there that these are
generally eligible for sharing, right, as long as they're not
falling in that pre membership situation, right, Like, hey, you
sign up resign health Share after you hurt your knee
and you're like, man, I want to get this cheaper

(01:30:22):
than my twenty thousand dollars deductible with my health insurance. Right,
But if it's not considered a pre membership situation, then yeah,
that that most likely is going to be considered.

Speaker 6 (01:30:32):
A sharable event. Now.

Speaker 7 (01:30:34):
The one thing that I want to make people comfortable
with is if something is within our guidelines, we've never
not paid it, right, That's something that we want people
to feel comfortable with on like, Hey, we are here
to help the community pay for their you know, their
health events that get scary, that get expensive. That's what

(01:30:56):
this whole thing is for. We're trying to avoid going
into the profit route and we can focus more of
that money into this.

Speaker 6 (01:31:04):
Now. We do have an appeals committee as well.

Speaker 7 (01:31:06):
If something comes back is like hey, we felt like
that this didn't really fit into our guidelines, we actually
have an appeals committee that meets every Thursday, and you
can come back and say, hey, I feel like this
should have been shared into and I feel like this
should have been paid for. And we take each one
of those very very seriously, and we're constantly looking for
opportunities to pay for those sharable events.

Speaker 4 (01:31:29):
It sounds like if someone is going to sign up
with Zion HealthShare, they need to go through and read
all of the information before they sign up so they
have a very clear view. So it sounds like transparency
here is where you're coming from. And if people just
take the time to educate themselves, they'll have a very
clearer picture on what is covered and what is not.
And again I'm now getting people saying, well do they

(01:31:52):
cover reach out rich of medicine? Those are questions that
I'd rather you guys direct towards Zion specifically, or go
look at their website.

Speaker 5 (01:32:01):
Okay, now, oh.

Speaker 4 (01:32:02):
My god, here we go, you guys, here we get Preston.

Speaker 5 (01:32:04):
We're gonna be here all day.

Speaker 4 (01:32:07):
How do you deal with er situations, emergency room situations?
When your kid falls up to a great question, breaks
his arm, what does that look like?

Speaker 7 (01:32:17):
That's a great question, and that's such a normal thing
for people to deal with, right, And that's what people
I would say that the things that I get asked
the most are like, man, what if my kid breaks
their arm? Or like what if I'm diagnosed with cancer?
Like those are the things that people always want to
know about. And what you do is when you go
to the er, you present yourself as a cash pay patient.

(01:32:38):
Right that at the er is going to unlock all
of these discounts that they legally cannot offer. If you
walk in with an insurance card and say, hey, I've
got insurance, I think I get a discount.

Speaker 4 (01:32:49):
Wait wait what so there, I just found out a
fascinating thing about Medicaid and direct primary care here in Colorado,
and now I'm finding out that they legally cannot tell
you how much cheaper it would be if you just
walked in and said, I'm gonna write a check.

Speaker 5 (01:33:01):
So let's bring this under control.

Speaker 7 (01:33:04):
Yeah, so if you walk in, you present yourself as
cash pay. Now we are coaching these members through it, right,
So walk in, take care of your kid, say hey,
you know, get me the bill, give me the give
me the invoice for this, give me an itemized invoice.
Now you're going to reach out to us, and then
we are going to walk them through how to negotiate

(01:33:27):
potentially a better discount and then help them pay for
that situation. Right, so they've got their their EYUA. Let's
say it's a twelve hundred and fifty dollars EUA. They
cover that part, and then no matter what happens with
that broken arm, that shareable event is going to be
paid for by us. Right, And it's not just that situation.

(01:33:47):
What happens in six months If they say, oh man,
there's complications from that arm and we find out they
need surgery, we look at that. It's still the same event,
and they don't have to pay for that surgery. That's
still part of that same I you a initial sharable event,
unsharable event.

Speaker 4 (01:34:03):
I think the complicated part or for some people. And
I know that there's a lot of people that are
going to get this and be able to grasp it
very very quickly. But it sounds like this is a
more active form of engaging on your healthcare, meaning that
we're all sort of trained like little trained monkeys. We
go to the doctor, they tell us what our cope is,
we pay our copay, we do whatever they tell us

(01:34:23):
to do, no matter how much it costs, and then
we get all these bills at the end and go,
holy crap, that's ridiculous, and we end up paying twenty percent.

Speaker 5 (01:34:29):
Right, So that's what we're used to. That's the standard.

Speaker 4 (01:34:33):
So here's a question, So are you paying the bill
when you leave the door at the er because somebody,
I mean, cash is tight for people right now, so
that would be a big concern.

Speaker 7 (01:34:45):
Well, it's going to depend on the situation if you
if you want to, you can and have the means
you can pay for it, right, But a lot of
times you can get out of there with an invoice,
or you can get out of there with paying a
certain amount. Hey, I can put a few hundred bill
me for the rest, and then that's going to allow
our team to like really coach them through. Hey, here's

(01:35:06):
how to get more discounts. Here's how you negotiate this,
here's how we can get a better rate for you.
So it's interesting, Manny, because I come from the insurance world.
I was in the insurance world for over a decade,
and all of these big insurance companies will come and
they'll sit down in a business owner's office and say, hey,
we're creating consumerism here. But then when you got a

(01:35:29):
mom that's taking their kid to the doctor or to
the er, she doesn't know how to be a consumer.
She's terrified and the only thing she's caring about is
how to get her kid taken care of. Right, there's
no consumers in there. They get slapped with a bill
and now they're just like, oh, man, I guess this
is just it. This is just what I pay for now.

(01:35:49):
And with Zion HealthShare, we want her to feel like, hey,
I know this is scary, and I know that you
just want to take care of your child. Let's try
to make sure that the financial burden is as low
as humanly possible.

Speaker 4 (01:36:04):
Right, remind us what an IUA is. People are asking
that as well, people who didn't hear.

Speaker 7 (01:36:11):
So that is an initial unsharable amount. That's like a deductible, right,
So think of it as like a deductible, except a
deductible is like you have a big deductible for the
entire year that you have to pay for everything until
you hit that deductible. With Zion and with health Shares,
when you have an IUA, you only have to do

(01:36:32):
that per event, and for households, you only have to
do three of those in a year. So if you've
got one thousand dollars EUA, you may only end up
being a three thousand dollars out of pocket if you
have three of those big events in one year. Okay,
and then on the fourth, fifth, sixth, we're going to
cover it all.

Speaker 4 (01:36:50):
So I want to ask and by the way, if
you have more questions, please call Zion if you have
more questions.

Speaker 5 (01:36:55):
I know this is it's so different than what we're.

Speaker 4 (01:36:57):
Used to, right, it's so different than what we sort
of been lulled into a false sense of But let
me ask you this one last question for you, Preston,
and then we're going to talk a little pricing with
you guys too, because really, this is the thing that's going.

Speaker 5 (01:37:09):
To make people try.

Speaker 4 (01:37:10):
It is the price they're going to stay because of
the quality of care.

Speaker 5 (01:37:14):
I truly believe that.

Speaker 4 (01:37:15):
I truly truly believe that, especially when we're talking about
direct primary care and direct critical care. I really do
believe that once the experience, the level of service are
getting outside the system, they will want to stay. But Preston,
how do your rates for policies for the initial I
don't know if you call it a membership fee. I
guess how do those compare to what people are seeing

(01:37:36):
now with insurance quotes for thousands of dollars per month
with a ten thousand dollars deductible.

Speaker 7 (01:37:45):
I'll use my mom as an example. She just signed
up for Zience Health Share. Her and her husband just retired.
Her husband's already over sixty five, she's still in the
insurance bearing years, right, And she came to me and
she's like, pressing, I don't know what to do. My
deductor or my premium went up to over one thousand
dollars a month just for just for her. She's got
a high deductible health plan HSA, all that stuff. And

(01:38:07):
I was like, well, mom, just go to our website
and sign up there. And she saved over seven hundred dollars.
So her premium for insurance was over thousand dollars a month,
and her monthly contribution is just over three hundred dollars
right now. It's just her, right, if you're a family,
if you're a couple, like we rate those things out
based on your demographics and age and all that. But

(01:38:28):
it is a massive, massive discount as to what people
are used to paying for and with how much higher
things have gotten this year. I mean, we've had more
people signing up, I mean this week than any other
week we have in the.

Speaker 4 (01:38:43):
Last Oh I'm sure. Ever, I'm sure. So let's get
to direct primary care. And I'm wondering, you guys have
been doing this for a while, have you had the
chance to either ask patience or or analyze. And I know, Travis,
you're a CFO over there, your CXO over there.

Speaker 5 (01:38:59):
Is the numbers.

Speaker 4 (01:39:00):
I'm wondering how much people are paying out of pocket
realistically annually compared to what they would be paying if
they were paying a high premium, high deductible plan. I'm
curious what those numbers look like.

Speaker 10 (01:39:14):
Well, it's hard to say exactly because it does kind
of depend on age and risk, and also it keeps.

Speaker 6 (01:39:20):
Going up every year. So that's the thing.

Speaker 10 (01:39:22):
I think our memberships really have not gone up for
ten dollars in the last five years or whatever it's been.
But yeah, I mean, our membership start at seventy nine
dollars a month, and you go to our website, it's
all listed. They're just like Smith Medical has their surgery
prices listed. We have family pricing, we have business pricing,

(01:39:42):
and there's some modifications just based on age and complexity
and those kind of things.

Speaker 4 (01:39:48):
But you're cheaper than direct primary care in Florida. I
looked it up today. Well, yeah, you're a bargain at
twice the price. But here we are are the best. Yeah,
and it's Smith Medical. How has the response been? Are
people starting to get it here? Because in Oklahoma City,
the Oklahoma City Surgical Center has not only provided a
cash pay option for people who self insure or maybe

(01:40:08):
don't have great insurance or have a high deductible, but
they've also kind of suppressed pricing at the surrounding hospitals,
showing that competition really does work. So are people starting
to get it when they need surgery?

Speaker 9 (01:40:20):
Yeah, patients are really enjoying it because, especially if they're
the uninsured, this is a bundled, transparent price, so it's
just one price and it's laid out to them before surgery.
So they're really enjoying it. We get lots of calls
and we're like, so we got this one up for
total joint We're up in the mountains, and they said,
just for the facility is seventy five thousand total me

(01:40:42):
and I'm like, oh, ours is all in and they
were like, no, no, no, no, that can't be right.

Speaker 5 (01:40:47):
I'll be driving no, but for real.

Speaker 6 (01:40:49):
They too.

Speaker 4 (01:40:49):
Do you guys have financing options available for people?

Speaker 9 (01:40:52):
Yeah, we do work with a couple of financings.

Speaker 4 (01:40:53):
Okay, precedent, I want to ask you one more question
about health sharees before we have to wrap up, and
that is is your plan not right for some people?

Speaker 5 (01:41:01):
And if so, who are those people?

Speaker 7 (01:41:06):
I would say, yes, it is not right for some people. Right,
people with chronic existing conditions, We're not a good fit.
I typically tell people, Hey, if you're relatively healthy and
you don't have any chronic longstanding issues, Design is going
to be fantastic fit.

Speaker 6 (01:41:23):
Right.

Speaker 7 (01:41:24):
The whole point of what we do is having it
be a community shared program. And so if you are
relatively unhealthy you have a chronic condition, it's not a
great fit for the betterment of the entire community's financial
concern So.

Speaker 4 (01:41:41):
And also, your plan is not a do you have
a religious component? And I do, like, there's other med
shares that are a Christian based or there's a religious component.

Speaker 5 (01:41:51):
Design have that.

Speaker 6 (01:41:53):
That's a great question.

Speaker 7 (01:41:54):
We don't have any requirements that anybody is necessarily faith
based or part of any specific denial nation.

Speaker 6 (01:42:00):
Right.

Speaker 7 (01:42:01):
We are mostly faith based within our company. We believe
in a higher power, but we don't have any requirements
that say, hey, you must be xyz religion for you
to be part of our community.

Speaker 4 (01:42:13):
All right, that is perfect, Okay, doctor Daigert, You want
to have any last words for the audience on our
healthcare round table here?

Speaker 6 (01:42:19):
Yeah, I'm just happy today.

Speaker 10 (01:42:21):
I mean getting to talk to these partners that we've
worked with for several years now. I just went everybody,
think about a year ago, just over a year now,
when the dude, Luigi Man you shot the guy in
the back, Brian Thompson, and then people acted like he
was Robin Hood or something like he was saving everybody
from the terrible healthcare industry and all this kind of stuff.

(01:42:43):
But you look at a stupid manifesto. He had no
solutions to offer, and he just wrote that out. These
people actually do have solutions, and these are the people
I like to work with. And that's a much better
solution than shooting a you know, married bother two in
the back.

Speaker 4 (01:42:57):
I agree, Lisa Fagan. Any final words from Smith Medical.

Speaker 9 (01:43:01):
Yeah, I think that it's really important for the consumer
to look at their choices see what's out there. Even
if you have health insurance or high deductible plan, there
are more affordable options that can save you money right away.

Speaker 4 (01:43:13):
And I'm just gonna say this, I would urge all
of you, and I put links to all of these
places on the website today on mandysblog dot com. Do
what I did. Go look at their price list. And
I'm not saying that I've been thinking about a boob
job and I'm like, well, that's all it costs.

Speaker 5 (01:43:26):
I mean, come on, I'm just kidding.

Speaker 4 (01:43:29):
I'm not right, But I love to look at the
prices and it gives you some perspective about when you
get those fifty pages of bills with your insurance.

Speaker 5 (01:43:36):
My daughter, I won't even tell that story.

Speaker 4 (01:43:39):
I can't even you just get the bills and the
pages and the pages and the pages. Any final words
for our audience pressed in before we have to.

Speaker 7 (01:43:46):
Go, I would just say that their solutions out there
right especially with what's going on in the government, people
don't know, Hey, what's going to happen with my subsidy.
Is it just going to be completely unaffordable? There are
solutions out there. Yeah, we would love for everybody to
join Zion Healthcare, but it's something that we want you

(01:44:09):
to do your research, reach out to us, call us.
We've got fantastic partnerships and you can see with these
three companies together, we're putting solutions in place that make
a big difference or everybody involved.

Speaker 4 (01:44:22):
I got one last comment for you, Preston. I'm a
member of Zion Health Share, says this Texter and had
to take my child to the er. They paid it
one hundred percent. After I met my IUA, they held
my hand and let me take care of my child
instead of stressing out about what I had to pay.
The er didn't require any payment up front. So I
don't know if that's your mom, but well done, guys.

(01:44:45):
I so appreciate everyone making time today. Doctor John Dygert
and Lisa Fagan and Preston Haney from Zion Health Shares,
thank you so much for making time. I hope this.
I hope this at least spurs people into looking into
it a little bit more and finding out what their
own personal situation and questions get those personal questions answered, guys,

(01:45:06):
Thank you so much for coming in.

Speaker 6 (01:45:07):
Thank you all right, guys.

Speaker 4 (01:45:08):
Tomorrow two of the days we'll be back.

Speaker 5 (01:45:11):
Keep it on, Koa