Latest / Health with Hashimoto’s - Thyroid or Immune Education for Autoimmune Thyroid Disease / Health Sharing vs Insurance — How Knew Health Saved Our Family (20% Off!)

Transcript

Health Sharing vs Insurance — How Knew Health Saved Our Family (20% Off!) · Health with Hashimoto’s - Thyroid or Immune Education for Autoimmune Thyroid Disease

• 0:00
  Our insurance system is so broken. I think so many families, maybe you included,
• 0:05
  realize that you're paying so much money every single month,
• 0:09
  and the things that you actually use are not covered, and then your deductible
• 0:13
  is so high that even if it is covered, you end up paying all out of pocket.
• 0:17
  Really, you only have insurance for the catastrophic things,
• 0:21
  and you start to wonder, is there a better way?
• 0:24
  And that is why you're listening, and I have hope for you.
• 0:27
  Last month, I spent quite a bit of time looking at different health sharing
• 0:31
  companies, like alternatives to insurance.
• 0:33
  And I was specifically looking for my family. I have a family of six and we
• 0:39
  are very wellness focused. Also, I have a pre-existing condition of diagnosed Hashimoto's.
• 0:45
  So maybe that is like you, but I looked at between like maybe six and 10 different companies.
• 0:50
  And I talked on the phone to two of them after I looked at even more, like I said,
• 0:56
  and the best company for my family, for a wellness-focused family who wants
• 1:02
  to pursue, you know, prevention and wellness things, chiropractic, gym.
• 1:08
  Thermography instead of mammograms, things like that.
• 1:11
  The best company was New Health, K-N-E-W Health.
• 1:16
  And so that is the company that I chose to go with. I was so impressed,
• 1:20
  especially while talking to them on the phone.
• 1:22
  I said, you know what? I think that my podcast listeners would love to learn about this option too.
• 1:28
  Would somebody from the company be willing to be interviewed on the Health with Hashimoto's podcast?
• 1:33
  Danielle is willing. She is our guest today. I hope you learn a lot.
• 1:38
  Not all health sharing companies are the.
• 1:43
  Different components and different things that they do.
• 1:47
  So if you choose to go with a health sharing program, know that they are all a little different.
• 1:51
  The one that works for me and my family is NewHealth, and I hope this helps you.
• 1:56
  Stay tuned to the end. I do have a discount code.
• 1:59
  It will save you 20% off of your entire first year. Welcome to the Health with Hashimoto's podcast.
• 2:05
  This is where you will find clarity and simple, sustainable strategies to feel
• 2:10
  better. I want to help you figure out your root causes.
• 2:14
  My name is Esther Yunkin. I am a registered nurse.
• 2:17
  I spent about 17 years in the emergency department and then got sick and tired
• 2:21
  of putting band-aids on chronic things.
• 2:23
  I went back to school and now I have been in holistic health education for about 10 years.
• 2:28
  I know how exhausting it is to live with fatigue, brain fog,
• 2:32
  and the ups and downs of Hashimoto's and that is why I'm here.
• 2:35
  I'm here to cut through the confusion and to give you practical steps that support
• 2:40
  your body, calm your immune system, so that you can regain your energy and feel like yourself again.
• 2:46
  Alright, welcome back to Health with Hashimoto's. I have a guest for you today,
• 2:50
  and today I am releasing it as a bonus episode, not going on our traditional
• 2:55
  Thursday releases, because I want you to have this information ASAP.
• 2:59
  I am interviewing Danielle from New Health, K-N-E-W Health.
• 3:04
  And this is a health sharing program. So not insurance, but like an alternative.
• 3:10
  And I'm going to try to get all of your questions answered. If you listen to
• 3:13
  this whole interview and you don't get a question answered, I will tell you
• 3:17
  from personal experience, you could just call up the company and they are super
• 3:20
  friendly and will answer everything.
• 3:23
  And then also stay tuned to the end because I have a ginormous discount for
• 3:27
  you if you choose to use this company and also just good information as you look at any company.
• 3:34
  So welcome, Danielle. Tell us a little bit about yourself and then what is a
• 3:38
  health sharing company?
• 3:41
  Absolutely. So my name is Danielle. I am on the member care team at New Health and I'm also,
• 3:47
  part of the New Health community, my role really is to just answer questions
• 3:52
  for prospective members and really help them figure out if New Health is the
• 3:57
  right fit for them, for their family, for their business.
• 4:00
  So what we do at New Health, we are actually an alternative to health insurance.
• 4:07
  And it's typically more affordable, way more affordable for some people.
• 4:12
  And really the whole concept is where our members contribute a monthly amount,
• 4:18
  which goes into a community fund, so that when someone from our community has a medical need,
• 4:25
  it's paid for through the fund.
• 4:27
  So the concept's been around for over 50 years. So we're not like the first
• 4:33
  people in the industry, but I like to think that we've perfected it.
• 4:36
  Most other health shares are religious-based, So a lot of them have their members take,
• 4:42
  like, for example, an oath of, say, Christianity, whereas we are not religious-based,
• 4:48
  we're inclusive, so that's something that sets us apart, and we don't have network restrictions.
• 4:53
  So our members can see any doctor anywhere, whether they're alternative or traditional.
• 4:59
  We really leave it up to everyone to decide their care.
• 5:03
  Yeah, I know when we were looking at health insurance this year, we had a price increase.
• 5:07
  I talked to a friend and their insurance through, I believe,
• 5:12
  work. She said this next year, it was going to be triple the rate of their mortgage
• 5:16
  every month, which is just crazy.
• 5:20
  And so I started looking at all the different health sharing companies.
• 5:24
  I do have experience with some of the religious ones, not personally, but family members.
• 5:29
  And I felt like,
• 5:32
  Now, I'm a rule follower. I want to know the reason behind the rule,
• 5:35
  but I'm a rule follower, so I get it.
• 5:37
  But I feel like a lot of the religious companies have a lot of rules that you
• 5:42
  have to follow in order to meet their criteria.
• 5:45
  And with New Health, when I talked to you guys on the phone,
• 5:48
  I felt like you wanted the best for me, and you believed that I was pursuing the best.
• 5:55
  Is that accurate? I love that. It is. It really is. So the founder of New Health,
• 6:01
  his name is Joshua Rosenthal.
• 6:02
  He actually started the Institute for Integrative Nutrition.
• 6:06
  So some listeners might be familiar.
• 6:09
  It's actually the world's largest holistic nutrition school.
• 6:12
  They have over almost 200,000 graduates now in nearly 200 countries.
• 6:17
  And the whole focus of the curriculum is teaching people that health is more
• 6:21
  than just about food and that people can do so much more than their yearly doctor's
• 6:26
  visits. And they actually train people to become health coaches.
• 6:30
  So he was always in the holistic world.
• 6:33
  And he always would say in the curriculum that our health care system is broken
• 6:38
  and that it's just not working for millions of Americans, especially healthier ones.
• 6:44
  And so he sold IIN.
• 6:47
  And when he did that, he decided that new health was going to be his next baby.
• 6:51
  And he took on this whole industry, you know, saw what wasn't working with other
• 6:56
  health shares and really made it work.
• 6:59
  Something that we pride ourselves on is our customer service.
• 7:02
  I think calling insurance in general is a nightmare.
• 7:06
  I had to take the day off when I had health insurance to get through to them.
• 7:09
  So we really pride ourselves on customer service, but also preventative care.
• 7:14
  So we share in more preventative care than any other health share.
• 7:18
  So Joshua's goal was really to do as much as he could to keep the community
• 7:24
  healthy, to avoid the illnesses and injuries that come, you know,
• 7:28
  down the road. And we haven't taken a price increase in a little over six years.
• 7:33
  So it seems to be working for everyone, for sure.
• 7:37
  That is incredible. I know one of the things when I talked to you,
• 7:41
  somebody mentioned thermography, and I have chosen to do thermography instead of mammograms.
• 7:46
  After looking at all of the research, I decided that for me.
• 7:49
  Tell me about that kind of wellness, because I don't see that anywhere else
• 7:54
  where they're like, oh, yeah, go get thermography.
• 7:57
  Yeah. Yeah. So like I just mentioned, it's something we really want to prioritize for everyone.
• 8:02
  So as soon as the membership begins, we give everyone several allowances for
• 8:07
  various preventative health services that we just reimburse you for up to the allowance amount.
• 8:13
  So every person gets an allowance for an annual physical.
• 8:17
  We do another one for a well woman exam and pap smear, one for a mammogram or
• 8:23
  thermogram or ultrasound,
• 8:25
  one for a colonoscopy, any immunizations you choose to do, STD testing, and birth control.
• 8:33
  So for example, a physical is a $250 allowance. So you would just tell your doctor your self-pay.
• 8:42
  You get an itemized receipt, submit it to us, and then we reimburse you up to
• 8:47
  $250 since that's the allowance amount for physical.
• 8:50
  We also reimburse super quick. It's just one to two weeks for a check,
• 8:55
  or you can set up direct deposit.
• 8:58
  I've seen that hit my account in just a couple of days. So it's very fast.
• 9:02
  And we also do extensive research every year as to what these services cost for self-pay patients.
• 9:09
  And the amounts that we've set forth are actually a little higher than what
• 9:14
  the national average cost is.
• 9:15
  So you really shouldn't expect to have to come out of pocket,
• 9:19
  you know, for anything beyond that.
• 9:21
  Something else I want to mention is our blood work allowance.
• 9:24
  This one is really unique.
• 9:26
  I haven't heard of anyone doing what we do with blood work.
• 9:29
  So believe it or not, blood work tends to be something that most doctors upcharge
• 9:34
  by sometimes 95%. I don't know if you've experienced it. It's crazy.
• 9:40
  But in order to keep the cost down, we actually have our members order their
• 9:45
  own blood work through a company called Avexia.
• 9:49
  Avexia sends you over to your local lab core, and that's where you get your blood drawn.
• 9:54
  We give you some panels for free. So the most common ones a doctor wants are
• 9:58
  usually the CBC, the metabolic panel, and insulin.
• 10:02
  So our members can order those for free through Avexia anytime.
• 10:06
  And then everything else is wholesale priced. So you're going to see labs in there for like $4, $8.
• 10:13
  A thyroid panel is $15.
• 10:16
  And we reimburse each person up to $80 a year, but you also don't need a doctor's
• 10:22
  order for anything. So if you are just curious about your thyroid or your estrogen,
• 10:26
  your cortisol, you can just order it and you get the results directly.
• 10:31
  And then the last allowance I wanna quickly mention is a self-care allowance.
• 10:36
  It's $200 a year. It's the only one a family would share, but you can use it
• 10:41
  for pretty much anything self-care related. You can get reimbursed for the chiropractor,
• 10:46
  massage, gym membership, vitamins, supplements, acupuncture.
• 10:50
  It's totally up to you that you want to utilize that one.
• 10:54
  That is all so incredible. And for anybody listening, I have done a couple of
• 11:00
  podcast episodes about ordering your own labs and what to look for.
• 11:03
  I also compared prices for ordering your own labs. I looked at,
• 11:08
  I think like four or five different companies.
• 11:10
  I did not know about, what did you say? Evixia? Is that what? Evixia. Evixia.
• 11:15
  Yeah. And so I looked at the prices after talking to you guys,
• 11:19
  and it is cheaper than anything I have been able to find.
• 11:22
  So I can't wait for my membership to kick in.
• 11:26
  So we enrolled during my husband's open enrollment a couple of weeks ago.
• 11:31
  And then we sent an email, as you guys say, to pick our start date because our
• 11:37
  last year's insurance goes through the end of this year.
• 11:40
  So January 1, I am going to be taking advantage of all of those different perks.
• 11:46
  Yes, I'm super excited. So is there anything that we haven't covered as far
• 11:50
  as the similarities and differences between traditional insurance and a health
• 11:55
  share company, like whether it's yours or any health share?
• 11:59
  Yeah, I mean, so we definitely do things differently when it comes to illnesses and injuries, right?
• 12:06
  So everyone's probably really comfortable with what a deductible is with health
• 12:10
  insurance and, you know, your deductible resets every calendar year.
• 12:14
  Whereas for us, the way that it would work for a new illness or injury.
• 12:19
  So when someone enrolls, they're going to choose what we call is the initial
• 12:24
  unshareable amount. We call it an IUA for short.
• 12:28
  So the IUA is the amount that you're responsible for paying for each new medical event that occurs.
• 12:36
  And then whatever amount is beyond that for that particular medical event is
• 12:42
  what New Health would share in or pay for.
• 12:46
  There's three options that someone can choose from. There's $5,000, $2,500, and $1,000.
• 12:52
  The lower the IUA, the higher the monthly membership fee.
• 12:57
  But you won't be responsible for more than three IUAs per family per membership year.
• 13:05
  So three things could happen to me. And then if one thing happens to my husband,
• 13:10
  we don't pay an IUA for his injury because we already paid free for my really bad year.
• 13:16
  So like, let's say I woke up with appendicitis, for example.
• 13:21
  Maybe emergency surgery comes out to be $40,000.
• 13:25
  I would submit the unpaid bill over to New Health.
• 13:29
  They actually go through the bill to make sure it's correct,
• 13:32
  which, by the way, we find that 83% of medical bills have a medical error on them.
• 13:39
  And then it's insane. And then we help by negotiating that bill down.
• 13:45
  And on average, we lower bills by about 46%.
• 13:49
  So let's say New Health is able to drop my bill to $20,000.
• 13:53
  It's just as simple as I pay the hospital my IUA of $1,000, and then New Health
• 14:00
  sends me a check for the remaining $19,000 so that I can pay the rest of my bill.
• 14:05
  And then if anything else is needed for that surgery or that illness,
• 14:11
  I just continue to submit it, and New Health continues to send me checks.
• 14:15
  So unlike a deductible that resets every calendar year, an IUA never resets
• 14:22
  for a medical condition until you're symptom-free for a year.
• 14:26
  So in this scenario, if I had insurance and my surgery was in December,
• 14:31
  and then I needed another surgery for that particular illness in January,
• 14:36
  I'd have to hit another deductible.
• 14:39
  Whereas with an IUA, it never resets until I'm symptom-free for a year.
• 14:44
  So that's something that makes it really different.
• 14:47
  Now, also, if I ever have an illness or injury, and maybe I want to seek out
• 14:53
  an alternative treatment, right? Maybe I want to work with a functional medicine doctor.
• 14:57
  Insurance typically wouldn't pay for that. Neither would most other health shares.
• 15:01
  With new health, you just have to fill out an alternative treatment plan,
• 15:05
  which outlines the benefits of the treatment, the cost of the treatment.
• 15:09
  Then we might ask for some doctor's notes and we approve them on a case-by-case
• 15:13
  basis, in which case, if it's approved,
• 15:16
  I just pay my IUA and new health shares beyond that. So also something that
• 15:22
  makes this much different.
• 15:24
  What else? You know, we spoke about customer service. I can't tell you enough.
• 15:28
  You can call, you can email, you can hop on chat.
• 15:33
  If you have a question about something and you have another question about it,
• 15:37
  we try and have you speak to the same person so that you're not repeating yourself over and over again.
• 15:42
  So it's just the experience we try and have people really have.
• 15:47
  And by the way, for everyone listening, if you haven't seen our reviews on Trustpilot,
• 15:52
  I recommend going on there.
• 15:54
  We are very proud of our 4.7 out of a five-star review.
• 15:58
  Everything I'm saying with how much our members appreciate everything is all
• 16:02
  there, so you can see it firsthand what they say.
• 16:06
  Absolutely. Now, what about pre-existing conditions? So I'm assuming,
• 16:10
  you know, that most people listening have Hashimoto's, or at least they suspect
• 16:15
  they have a thyroid issue. So tell us about how that works. Sure.
• 16:21
  Yeah. So we consider a pre-existing condition to be anything from the last two
• 16:27
  years that you've either been diagnosed with or have symptoms of or have been
• 16:32
  treating or taking medication for.
• 16:34
  In which case, if something is needed for that condition in year one, it's not shareable.
• 16:42
  In year two, we can share up to $25,000 for it.
• 16:47
  In year three, up to $50,000 for it.
• 16:50
  And then in year four and beyond, $125,000 a year for that condition.
• 16:57
  Now, that being said, we have many members who have various autoimmune conditions
• 17:04
  and thyroid conditions.
• 17:06
  However, given, again, the pricing that we spoke about with Avexia and blood
• 17:11
  work, which is usually something that, you know, I'm sure you run every couple
• 17:15
  of months, at least once a year, you're saving a lot of money on that.
• 17:19
  So like I mentioned, a thyroid panel is $15 and you can order it yourself without your doctor's order.
• 17:26
  Now, medications is something, so maintenance medications we do not share in.
• 17:32
  However, we give great resources like GoodRx and SingleCare,
• 17:36
  which are websites where you can get coupons at the most affordable pharmacies near you.
• 17:42
  I've seen, you know, various thyroid medications for less than $10 on there.
• 17:47
  So it's another great way to help with those costs as well. Wow. Wow.
• 17:53
  When I was talking to different companies, I called different pharmacists and
• 17:57
  I was looking at labs and I wanted to look at every single detail,
• 18:00
  every single data point because I didn't want to go on emotions or advertising
• 18:04
  or anything. I wanted to look at the hard data.
• 18:07
  And I definitely, after calculating everything, we are saving money definitely
• 18:12
  with New Health, switching, making that switch.
• 18:14
  So even knowing that, you know, nothing for Hashimoto's is covered for at least
• 18:21
  the first year, we're still saving money.
• 18:24
  So many of my listeners use functional labs. So I'm assuming we can get those through Evixia.
• 18:31
  And then what about like food sensitivity testing or hormone panels?
• 18:36
  Like insurance will deny those. What happens here?
• 18:40
  So if it is for something pre-existing, that wouldn't be shareable in year one.
• 18:46
  So there's a lot of different testing.
• 18:49
  There's different tests available through Avexia. Like I know they have all
• 18:52
  different panels and things you can do to test for food sensitivities.
• 18:56
  So it is going to be much more affordable to use it than to do it in person.
• 19:01
  So something related to allergies, that would be something because it's,
• 19:07
  again, And if you're already having symptoms of something, it would not be shareable in year one.
• 19:12
  But in year two, for something related to an allergy, any allergy testing,
• 19:18
  curative treatments and medications are eligible up to $2,500 per need.
• 19:25
  But the tests do have to be ordered through a traditional MD.
• 19:30
  So if the testing is ordered by like a functional medicine doctor or integrative
• 19:34
  doctor, it would not be shareable. But as long as it's through a traditional
• 19:38
  MD, then it's up to $2,500 starting in year two.
• 19:44
  Okay. And then you mentioned pharmacies and coupons and stuff.
• 19:47
  What about a compounding pharmacy if somebody is getting medication through one of those?
• 19:53
  So in general, if you need a maintenance medication or a medication for something
• 20:00
  that's more acute, like if you just need like an antibiotic for strep throat,
• 20:04
  that would be something you would just pay for out of pocket,
• 20:07
  which, again, are generally pretty inexpensive for something like an antibiotic.
• 20:11
  If you have a new medical condition where you're paying an IUA,
• 20:16
  then we would reimburse you for that medication for up to a year.
• 20:21
  So regardless of how you get the medication, you would first be responsible
• 20:25
  for your IUA. And we would share, you know, anything beyond that,
• 20:31
  including the medications for up to a year. Okay.
• 20:34
  So if I have four kids and say someone has a sore throat, I feel like it might
• 20:41
  be strep. Yeah. What happens in that case?
• 20:44
  So there's a few things, right? So if you wanted to see someone in person,
• 20:48
  because it's something that's less than your IUA, you would just pay for with a self-pay discount.
• 20:55
  So, I mean, I know my pediatrician charges maybe $80 for a sick visit.
• 21:01
  However, if it's something you wanted to use maybe telehealth for,
• 21:05
  we reimburse you for that as many times as you need it.
• 21:08
  And we let you decide on the telehealth provider because it's always about freedom of provider.
• 21:14
  So if you don't know of any, we give you some resources in your member portal.
• 21:18
  But if you have a preferred website
• 21:20
  or a doctor that you know of that does telehealth, you can use them.
• 21:24
  And we reimburse you for it as many times as you need it. Now,
• 21:28
  we also give our members a ton of different resources in their member portal.
• 21:33
  One of them is actually a medical supplies company, which carries at-home strep tests.
• 21:39
  I paid $60 for, I want to say, 25 strep tests, and I can swab myself and my kids at home.
• 21:47
  And then if I show telehealth a positive strep test, they can call in a prescription for it.
• 21:52
  There's also a lot of states where you can just walk into a pharmacy and they
• 21:56
  can actually test you at a pharmacy as well.
• 21:58
  So there's a lot of different tips and tricks that we help give people to navigate
• 22:03
  the system a little differently and to make it more affordable.
• 22:06
  But yeah, that's a great way to navigate strep.
• 22:09
  That is fantastic. I ordered strep tests back when Amazon sold them and all
• 22:14
  of my tests are now expired and Amazon doesn't sell them anymore.
• 22:17
  I'm super excited that I can get in-date tests.
• 22:21
  Yes, exactly. I've still used them. I like to test the positive and negative
• 22:26
  controls to make sure that it's still working. But it would be good to have some in-date tests.
• 22:32
  And for anybody listening who's like, oh my goodness, I could never swab somebody's throat.
• 22:37
  Are there YouTube tutorials or how would somebody who's not a nurse do that?
• 22:42
  Like, how do you do it? Yeah, you can look it up on YouTube for sure.
• 22:47
  I mean, they do show pictures in there.
• 22:50
  For me, it's easier than some of my children. I have kids that are three, five, and seven.
• 22:55
  So it's not always the easiest, but their father helps with it.
• 23:00
  We just watch the videos and we talk them through it. But it's nice that I don't
• 23:04
  have to leave the house, right?
• 23:05
  I don't have to expose my kids to anything at the doctor's office. I don't have to travel.
• 23:09
  I can do it all at home myself. So it's great.
• 23:12
  Okay, so we've talked a little bit about families and, you know,
• 23:16
  those well-child checks and sick visits.
• 23:19
  What about empty nesters? Now, moving on to, you know, people who are retirement
• 23:24
  age, they're often looking for long-term vitality, but a lot of times they also
• 23:29
  have like several different conditions.
• 23:31
  What does an average retiree experience at New Health?
• 23:36
  So the membership ends once someone turns 65.
• 23:39
  Okay. But we have a lot of people who are in that in-between phase of their
• 23:44
  life where they're retiring, but they're not able to apply for Medicare, right?
• 23:49
  So this is a great way to have an in-between.
• 23:52
  I mean, we generally do have healthier people who enroll, but we actually make
• 23:58
  three exceptions for pre-existing conditions.
• 24:01
  They are high blood pressure, high cholesterol, and diabetes.
• 24:05
  So as long as you have not been hospitalized for any of those in the last year,
• 24:10
  we don't consider them to be pre-existing if you're just able to control it
• 24:15
  with diet and or medication.
• 24:17
  But if they do have some sort of, you know, other pre-existing condition,
• 24:21
  it would not be shareable in year one.
• 24:24
  That being said, we tend to draw in people who are healthier and who,
• 24:30
  you know, like a lot of people, they just, they aren't using their health insurance
• 24:33
  and they're spending a lot of money on something they're just not using unless
• 24:38
  it's something catastrophic that they're looking for it for,
• 24:41
  for peace of mind, which is what we're here for, right?
• 24:44
  That's why people come to us in the first place is for the peace of mind for something large.
• 24:49
  So, you know, I think that's the best way to think about that.
• 24:52
  Awesome. Awesome. So somebody who's feeling like they're ready to make the switch,
• 24:56
  what is the first step to join new health?
• 24:59
  And then how can they use the affiliate code that you gave to me?
• 25:04
  Yeah, absolutely. So you can pop on our website. It's newhealth.com.
• 25:08
  There's a pretty quick little calculator button that you can just put in your
• 25:13
  information and you will just put in like, you know, your age,
• 25:17
  where you live. It'll tell you your costs.
• 25:20
  So it'll tell you what your monthly contribution will be according to the IUA's.
• 25:25
  It'll show you all the options.
• 25:26
  And what we're doing for all of our listeners is giving you 20% off your first year.
• 25:32
  So there's a little box where you can put a referrer name.
• 25:37
  And when you enroll, you can put this in the code, there's going to be a code
• 25:41
  section, and you want to use HWH20.
• 25:46
  Okay, so that's going to give you 20% off your first year.
• 25:50
  So the first thing if you want is just use the cost calculator on the website, it'll tell your price.
• 25:56
  And then we can call you or you can call us with any individual questions that you have remaining.
• 26:01
  We're all really lovely. Like Esther said, we just want to help you really figure
• 26:06
  out if this is the next best step for you.
• 26:09
  But if you feel like you've heard what you need to hear and you're ready to
• 26:12
  enroll, the membership always starts the first of the following month.
• 26:17
  If you need to defer your membership like Esther did, you can enroll using the
• 26:23
  code and just email us and let us know when you want to begin.
• 26:28
  So if you enroll in November and you want a membership to start January 1st,
• 26:33
  you can email hello at newhealth.com and say, hey, I just enrolled,
• 26:38
  but I want to defer my start date to January 1st.
• 26:41
  So the payment you would make in November would be for your January membership.
• 26:45
  And then we won't charge you again until January for your February membership.
• 26:51
  And those instructions are going to be on the application when you enroll as well.
• 26:56
  Awesome. Is there anything that I should have asked that I didn't ask?
• 27:00
  Any like common questions?
• 27:03
  Common, I'm trying to think. We went through a lot. We didn't touch upon maternity.
• 27:06
  Oh, okay. We kind of, you know, people who are thinking of growing or starting your family.
• 27:12
  So New Health shares in everything from prenatal visits to ultrasounds, blood work,
• 27:18
  whether you want a home birth with a midwife or a birthing center or a hospital,
• 27:23
  your postnatal visit, the baby's wellness, in the hospital, their wellness check.
• 27:28
  We also share in pelvic floor therapy, chiropractic care, and postpartum depression counseling as well.
• 27:35
  So I wish I had new health when I had my babies.
• 27:39
  The only difference is that regardless of the IUA you enrolled with,
• 27:44
  everything related to your pregnancy is a $5,000 IUA instead, okay?
• 27:49
  So you would be responsible for $5,000, and we would share in the remaining costs.
• 27:54
  There is a wait period for maternity.
• 27:57
  The estimated due date has to be in the second year of membership.
• 28:01
  So it does not mean that you have to wait until year two to become pregnant.
• 28:05
  It just means that you have to wait about 90 days from when the membership begins
• 28:12
  to conceive in order to put the due date into year two.
• 28:17
  We share in more for pregnancy and maternity than any other health share.
• 28:21
  We share in more preventative than any other health share.
• 28:24
  We also give everyone a Fullscript membership. So it gives you 35% off of all
• 28:29
  vitamins and supplements that you order through Fullscript. They have all the
• 28:33
  highest quality brands.
• 28:34
  We give everyone a fit-on membership for on-demand fitness and nutrition classes.
• 28:40
  And we give two free health coaching sessions to everyone each year.
• 28:44
  So our health coaches will take a look at what you're eating and your lifestyle
• 28:47
  and just make some small suggestions that might go a long way.
• 28:51
  We also have a medical concierge. So anytime you need something like an x-ray,
• 28:56
  an MRI, CAT scan, even your mammogram, colonoscopy,
• 29:01
  you can contact us and we can help you find it at the most affordable location near you.
• 29:07
  If you ever need a surgery ahead of time, you can ask your doctor and hospital
• 29:12
  for a quote and submit it to us.
• 29:14
  And we'll actually let you know if you're getting a fair and reasonable price.
• 29:18
  And if you're not, we would attempt to negotiate it ahead of time or even pay
• 29:22
  for you to get a second opinion elsewhere.
• 29:25
  So, you know, the negotiating is a really big piece to what we do.
• 29:30
  A lot of other health shares leave the negotiating to you.
• 29:34
  I don't know about you. I don't know how to negotiate a medical bill, nor do I have time.
• 29:39
  And if you think about it, whether a bill is $20,000, $40,000,
• 29:44
  $100,000, you're only responsible for your IUA that you chose.
• 29:49
  However, the fact that we're doing as much as we can to negotiate the bill and
• 29:53
  get it lower truly affects the whole community because it's less that's coming
• 29:58
  out of the fund, which is, in turn,
• 30:01
  helped us keep our rates at the same price for a little over six years.
• 30:06
  So that's how it directly impacts you as a member, is that because of how much
• 30:11
  we're doing to keep, you know, all of this care as low as possible,
• 30:14
  we haven't had to raise our rates.
• 30:17
  Other health shares raise their rates every couple of months,
• 30:20
  every year, but we do things very differently on the back end.
• 30:24
  And this is what's helped us with keeping our rates as low as possible.
• 30:28
  Wow. One thing you said is that everybody gets two health coach visits.
• 30:34
  Is that per family or is that per member? Per person.
• 30:37
  Per member. So each member gets two free health coaching sessions each year.
• 30:42
  We have in-staff health coaches that you can make an appointment with through your member portal.
• 30:47
  They have little bios and you can choose the one that resonates with you.
• 30:51
  And if you wanted to continue after those two sessions, they give you options to do that.
• 30:56
  And you can always use that self-care credit that I mentioned earlier to help
• 31:00
  get reimburse for up to $200 for health coaching if that's how you wanted to use it.
• 31:05
  Awesome. How does that work for kids and teens?
• 31:08
  So they are for adults. Okay. So it's 18 and over, but they might have some
• 31:14
  resources for some people that work with children.
• 31:17
  So you can always reach out to us with any direct questions about that.
• 31:21
  It's hello at newhealth.com and we can help you with that too.
• 31:25
  Awesome. Oh my goodness. I have learned so much in this interview and I already
• 31:31
  learned a ton when I called you guys earlier and you're absolutely right.
• 31:34
  Every single person that I've talked to on the phone or an email has been so
• 31:38
  personable and friendly, easy to talk to.
• 31:41
  I know some people get really nervous having to make a phone call.
• 31:45
  I don't even remember like a robo like option, like please dial one for this.
• 31:50
  And it was just a real person. It was so refreshing.
• 31:54
  Yeah, that's what we want to do. We always speak to a real person,
• 31:57
  you will never get directed to a random call center.
• 32:00
  So we're trying to kind of put that human touch back in healthcare.
• 32:04
  And then, you know, again, it's just always easy. to get in touch with someone.
• 32:08
  Because we know that this could be a stressful situation, you know,
• 32:12
  that you have questions about, that your health is on the line.
• 32:15
  And many people are doing this for the first time.
• 32:17
  It's a little nerve-wracking. And we just want to be here to support you,
• 32:20
  you know, through everything.
• 32:22
  Great. Danielle, if somebody is listening and they're a little overwhelmed,
• 32:26
  what is one thing that you want them to remember from our conversation?
• 32:30
  Oh, boy. One thing. There were so many. You know, we really do just want to
• 32:36
  help you and support you and just help you make health care more affordable and attainable.
• 32:41
  Health care, I think I read that people in Americans are drowning in more medical
• 32:48
  debt than any other type of debt.
• 32:51
  It's medical bills that are causing them to be drowning in these bills, this debt every month.
• 32:56
  And we just want to make it easy and affordable.
• 33:00
  And that's what we've done with this. You know, I'm hearing people get quotes
• 33:03
  from their health insurance for thousands of dollars a month.
• 33:06
  Like you said, it's like a mortgage payment and we don't want to,
• 33:09
  you know, have that hinder someone's lifestyle.
• 33:12
  So, you know, if you have questions, like I can't stress enough,
• 33:16
  just give us a call and we're here to help you and help navigate you through this.
• 33:20
  It is different from health insurance, but I like to think it's better.
• 33:24
  Not biased being a member or working for the company, but it's what,
• 33:29
  you know, our members say.
• 33:30
  It's just a completely different experience from any other healthcare company,
• 33:34
  including other health shares. We just do things very differently.
• 33:37
  So I know that there are some people who are listening who may have been part
• 33:42
  of a health share and maybe they didn't have the best experience with them for different reasons.
• 33:47
  I can guarantee we are different from them. So just give us a call and we'll
• 33:51
  really tell you all about that too.
• 33:54
  Awesome. Thank you so much for coming on the Health with Hashimoto's podcast.
• 33:57
  Yeah, this was fun. this podcast is for informational
• 34:00
  and educational purposes only please discuss any changes
• 34:03
  with your trusted health care provider to take your next step join our school
• 34:07
  community and explore the courses available there you do not have to figure
• 34:11
  your health out alone so that is school s-k-o-o-l dot com and it is the health
• 34:17
  with hashimoto's community i'll see you next time on the health hashimoto's podcast.