Latest Talks Podcast - Ep #56 | Guest: Moishe Katz

insurance plan is a healthare membership program in America insurance companies sustainable long-term he saved $54,000 is United a Py passion for healthare. [Music] Too much was unpunished by the systems in the government. Um [Music] credit cards benefits especially cards of gas insurance foreign fees and as Download the card right apparcel. LT other can do in the show notes other scan and secure code off screen utensils and backyards spices August 5th 2025 latest talks platform Card advanced spreadsheets tracks benefits and track simple dashboard available of Android and Apple of card.com/lted, you know. My name is CEO from United Healthare Toronto in Toronto Philadelphia Medical pressure in Cleveland. of the healthare expenses [Music] insurance health insurance from the health insurance marketplace from the government insurance from the marketplace insurance plan. deductables. Wow. Healthare the bracket was the middle class from the government's insurance for the actual insurance plan. subsidies expense insurance. So health insurance United States of America poor states York state mandate Jersey Insurance penalty insurance from the government insurance as the Medicaid Medicaid is under 65 insurance. Medicare 65 Medicaid Medicare. Okay. Medicaid Medicaid is Medicaid insurance $1,500ish $1,500 the bill righty. was actually in New Jersey. Yeah. Insurance fine. New York to New Jersey recently and mention of the border of New Jersey. So yeah insurance okay free insurance for medicaid So is a healthare a healthare insurance. Okay. A health share is a group of people, a group of religious beliefs to share the medical expenses from the group. Those are healthare according to American law. Those are the definition for a health share. So what's the structure from belief? The belief is okay. Religious belief. Religious belief. Religious belief. beliefs. So de structure from beliefs a health nonprofit nonprofit the founders the premium for an insurance company fund when the guilt is due. It's all in the medical expenses from the membership. basically whatever it is. Yeah. fake clarifications. Okay. According to the law, membertomember sharing fund computer share funds. billriv. Okay. But the back end memberto member sharing. Okay. So personal account. Well, the this is the government the religious belief is insurance company insurance company. Okay. For profofit for profofit insurance company. So that was a religious belief. So health preventative care, sick care, emergency care, hospital anywhere in the world, nonprofit organization, right? religious beliefs. Okay. Developed a medical condition. Yeah. Okay. Z established from December 1999. Okay. Or a successor of from December 1999. And the fifth is an external audit by external auditing firm a CPA audit. December 199. Okay. Health sharing program. Oh, that's it. Okay. Okay. illegal. Okay. government. Okay. beliefs. Okay. Oh yeah. Yeah. Watered down beliefs. Wow. Not clearly defined religious beliefs. Clear religion. program. [Music] So this is a major issue probably. Yeah. Christian beliefs and liberty healthare Christian healthare beliefs member beliefs. Oh, wow. [Music] Liberty Health Insurance from the generation Wow. Okay. in Europe message as the church is a great deportation message. The given. Wow. This is the healthare. This is the healthare and compromise. And if they're religious beliefs, this is the initiative in United Healthare. This is the purpose. Our mission, our mission statement is to ging affordable health care without compromising on care. That means compromise out of network. healthare alternative for insurance perspective of managing the health. So treatment surgery was care outcome right in the marketplace. The founders belief system beliefs the best outcome. the best outcome for what is the financial structure for United Healthshare which is a huge question I guess and regular insurance like how does this part Excellent question okay uh survey single a couple million right estimated starting price. Yeah. Sound estimates responsible approved financials the health care costs are in every part of the country is the breakdown. down. You're going to have this many from this age, this age, this age. The expenses from the medical expenses for the members contributions out of pocket medical expense. increase or service increase in cost. And what's the reason medical expenses expenses the payout ratio for the medical expenses. Oh wow. to accumulate was belonging to the members the medical expenses from the membership. Right. So the members members for the greatest expense as possible payment plans and then confidence It's mentioned members services in the sharing program services for colonoscopy pre-shape. Okay. Yeah. Okay. for family history. Regular well visit. Okay. Regular visits lab tests well visit well visit well visit. age two. Okay. Preventative care. Okay. Dental credits. Dry dental credits. Dental credits. Cleaning accounts luxury villa says the best plat shine lift. bedrooms fully stock WhatsApp 3054499899.com about how different the structure is expens. And the margin is percent to pay for health insurance premium in $1,000. The insurance company is the contribution medical expenses. This is amazing. Oh wow. members, 12,000 members in New Jersey. Okay. In outside the country outside the country medical expenses. Okay. in Canada in Italy vacation whatever sports name is cover different insurance companies limitations on hazardous sports okay special insurance hazardous sports coverage food poisoning Okay. Medical expense members from United States from America. Yeah. Yeah. Okay. prophets grocery store [Music] the store go. Why do you make the problem? price. The price for an item is the price. Oh, wow. The rule for the nonprofit employees Single a couple 80% from the share fund 20% the overhead from the organization systems claim system alone process and all the claims the software cost. Wow. back office% expenses medical expenses. So this is actually the medical expenses the average medical expense for the family members and self-pay members. Okay. to the doctor. The bill directly with their card patient, a self-pay patient, self insurance companies. with the insurance companies insurance companies because okay insurance a scam codes for the insurance company. extreme certain own the company like this like the UK government get certain grants for mentions equipments machines certain amount something machine. Yeah. Maximize the So yeah, self-pay patient hospitals lower insurance company with the hospitals with the doctors and case agreements. negotiated a rate with the provider. Okay. [Music] surgical center. Okay. New York hospital. Oh wow. Wow. by the hospital in the surgical center. [Music] Okay. Wow. medical expenses by a fraction of the cost. Bill charges the bill on average around 65%. Wow. On average. This is a crazy number. Oh, it's a crazy number. Yeah. Yeah. So mention United mention back in 56% 54% 54% the membership growth Centers Google. They care. They care. I call someone to talk to in advertising. advertising, right? [Music] I have no but I have no idea what it is happen at the same time. So yeah, it's amazing episode of viewers because New Jerseys, medical bills And this is the option. and get the plan from the employer. I'm also best plans from the employer mention is the headphone company 12,000 employees health insurance garbage plants right and I nonforprofit organization So I'm provided like a beautiful amazing plan. I decided, you know what? You know the insurance plan was provided insurance because benefit talent get mention of the employees. network restrictions in Europe and Asia, Italy, Mexico. wire. This is amazing. So video He saved $54,000. The savings is insurance employees. the extra guilt for insurance. Oh wow. Okay. This is a a bonus. by insurance. This is amazing. Pre-existing conditions, right? Okay. So the next ad break full-time overseas remote companies hiring customer service bookkeepers, architects, photo editing, video editing, sales people overseas, English and Spanish office. So contact hiring for less was held by customers of 845682099 latest. Okay. [Music] I'm gaining a lot of knowledge here. Okay. So is the membership structure member? How does it work? Okay, you know, give me that wholeare advis. Okay. Where the holes are, where the gaps are. Application 125 just application membership. Interesting. Okay. Fill in medical questionnaire family member, health history, surgeries, medications. Health records. Well, blood tests application. Medical expenses pool. the sharing community burden health insurance pre-existing medical expenses limitations of pre-existing conditions pre-existing conditioning pre-existing. Okay. Limitation example. Yeah. And the doctors for the surgery. The limitation sharing waiver. Okay. Membership contribution premium under health insurance for a purpose. Our purpose sharing ministries insurance company silver gold platinum deductible premium mentions insurance brokers broker So decided was the insurance company in lawyer versus the lawyer sharing organizations. Mhm. expenses deductible pre-shared monthly contribution is a contribution contractary February free health insurance. No problem. Let us know the last day of the month. Renewing the next day. No problem. Application pre-existing conditions. Wow. The weight threshold BMI BMI body mass index proportional proportion BMI obese 35. No problem. Okay. 35 36 37 38. Okay. a member, right? That's it. The healthare alongside other insurance. There's no problem. members gain arise from the state only if it's an emergency the whole country the airport in the office an emergency in New York hospital New Jersey no problem. So it's other state it's no problem the mention the monthly contribution for a single is 199 a couple is 3.49 496. This is the monthly contribution. That's the fixed fee. parents. Parents is 3.49. Got it. Is $4.99. So, so rules eligible dependent full-time student eligible people dependent on in planit a well visit the well visit lab work and well visit extra allowance X for them. Okay. $16,000 for the well visit. Full body cat scans. Oh, okay. The billit is a normal price service in Americansion. A fair price Medicare is a fair price $900 price for visit right 50% often network [Music] system using the system. Yeah. So next question is visit in 2025 in 2026. This is a year threshit visit 50% visit 10% well visits the guilt is signed for bills receipts spreadsheet expenses within 3 months within 90 days. The cash flow [Music] up to 90 days. Wow. Experiences. Yes. experience was the best practice the system members survey members member healthare outach. So my question is [Music] therapist. Yeah. Yeah. Fore based on the budget was licked in the pool. The next services membership is the most requested therapy. Okay. Therapy, physical therapy. Okay. Chiropractors, chiropractors, 12 visits a year, medically necessary care, pain, illness, injury, doctor, a hospital, a therapist, a physical therapist, occupational therapist. the high dollar drugs medications in so income certain% of the budget for high dollar drugs high dollar drugs medications the gaps the sharing guidelines is sharing guidelines compassionate program. membership. One time event experience, better coverage. bestify the expenses as I mentioned it's for the medical expenses 199 349 or 4.99 similar to a deductible deductible health insurance medicables are the premiums. had the visit deductible deductible,000 deductible right insurance similar to deductible single $1.99 the hinder [Music] is the family the pre-share which is again similar to deductible family and they sist The deductible system is good for insurance. Insurance functions for service members. Wow. Right. Co-sharing co-sharing% $100. Okay. A maximum. So the maximum 20% 100% okay $1 million incident million $1 million this is the maximum single% medical expenses $1,000 Okay. So% is $100. 20% of $5,000 $5,000 is1,000 up to 20%,000 expenses medical expenses $1,000,000 $1500 for medical $1,500 million 100% assuming usual and customary 56% above the Medicare rates. Okay. Medicare 65 and older fee schedule better reimbursement for the doctor. Okay. Okay. 20% co-sharing the 1,000. Exactly. If a family is double the couple that's made for a family up to 20% made for a family. Yeah. It's only 99. Right. Okay. The next $20,000 expenses usual and customary rates 4.99 plus 1500 medical expenses 4.99* 129 medical expenses $4.99 12 pre-share co-sharing still saving,000,000 savings. 499* 12. Yeah. Is 59.88. Yeah. Plus um 5500 9. Yeah. Yeah. So, 1500 for pre,000 for the 20%. Yeah. I sold 11,488 services less than $1,000, right? And this is 12. Oops, sorry. Divided by 12. I'm g the exact number is $957.33. Medical expenses medical expenses. That's it. Yeah.$4.99 double the $4.99 two. Yeah. Doctors. Yeah. out of pocket for a second California [Music] members from California. Okay. The attorney general of California health shares investigations inquiries. Okay. versions of page. Okay. Documentation pages documentation to support. Yeah. Okay. Legal fees inquiry. Okay. basically religious institutions. Okay. So, [Music] inquiries legal fees for inquiries. Yeah. Governor in California. Okay. So interesting. Interesting. Okay. medically necessary care to mind attack. Okay. hospital for our treatment. Bills came out. Wow. Guest% bill charges like%. Wow. The build charges negotiations. negotiations facilities with the doctors with the hospitals negotiations missed the successful part from the organization in negotiations negotiating service negotiators. negotiation. Wow. Wow. Percentage of savings. Bill negotiation services. $100,000 bill 50% help from the savings. Wow. Limited sharing. Waiting period. Insurance 30 days, 60 days, 90 days coverage. A waiting period. A limited sharing. 1 million per incident. limited sharing. So a cap, a lifetime cap, up to 25,000 million. Wow. Okay. Basically overlapping is let the minute the medic terminates insurance% for applications for members% They gave a waiver or limited waiver medical expenses% vaping very low tolerance. Viping. Wow. Wow. $20,000 previously. hair test. It's a condition for membership. Guidelines membership. Yeah. Lifestyle. Yeah. Wow. Interesting. Yeah. Okay. a diabetic diabetics with special programs. Okay. Well controlled. Okay. Yeah, this understandable. Yeah. Mention as secrets. Secrets. Secrets. The whole legal structure. I mentioned religious beliefs. Because of the internet information, right? So this whole 48 page sharing guidelines. Wow. So actually excited the fact because this is exclusive. Exclusive. Exactly. And this this is the beauty as covering certain topics is kind of because [Music] mention families all goes in the same theme. the case manager. Case manager, [Music] he had the surgery, he had the therapy, he had the normal doctor's visit all the members of the surgery. Oh, wow. Yeah. So beautiful. to surgery. Yeah. Um questions originally is United in America. Is that how you get the question? The structure for United is under healthare. Okay. incident. Okay. [Music] Wow. Liberty Healthare. Okay. surplus extra guilt. Oh, the counter members [Music] $500. He had an emergency visit the dollar49 right maximum million dollar Billionare. Yeah. Wow. Financial structures medical expenses significant amounts $50,000 $10,000 a rumor expenses computer protected privacy protected hippo telephone bills. A guy doesn't mention nightmares with insurance companies mention denials insurance companies. Wow. And the game is the best. By the way, the the the hospitals recently so mention the hospitals. [Music] Who cares? Go to the collection agency. Credit report the best care possible. I get the insurance hospital for an emergency. Emergency schedule in a surgery, right? Sorry. Clean up the account. Not for emergency. It's a schedule a schedule. Can can someone wants to go to a surgeon, not not essential medical care, someone wants to schedule a surgery with a surgeon in NYU and he owes NYU. The doctor the guilt collection agency court agencies and the mortgage No, it's exist. They delayed it. They passed the law, but they delayed the implementation of the law. Oh, okay. So, his thing was still on the credit report. Okay. So yeah the requirement anyone um health insurance. Health insurance. You know, I want he wants to fix the middle class problem. He wants to make his big beautiful bill even bigger and more beautiful. Yeah, exactly. from United States citizens and medical bills from Mexico from United Kingdom socialized medicine the country told I feel the government gives free healthare better systems. free healthcare membership. The best selection is free. [Music] We don't look whatever it is the best charity. We're nonprofit that's here to service whoever we can service. That's why we're advertising for do the advertising. mention advertisements later talks. Yeah. Get the promo. No. Wow. This amazing promotion promo code latest talks. Latest talks. Yeah. L. So [Music] a single a couple family. Wow, this is amazing. Yeah. Okay. From the plus membersh [Music] is United a Ponzi scheme. It's an excellent question. Okay. People ask a question about any insurance company as mention Ponzi scheme. Fore for the members medical expenses from the alter members. M so the existing membership in the medical expenses from the existing members and this is reinvested in according to the law the members investments is government protected investment treasury bills S&P 500 only if you do that CDs00 the separation investment against this charities%. Oh, this is this is the same concept was account donor advised funds was mentioned in a charity account deductible. Yeah. Yeah. Income and so on. So this is amazing. Okay. The next question is vo sustainable long-term. sustainable long-term medical expenses. The proportion is a healthy proportion% medical expenses membership membership. The monthly contributions sustainable long-term means healthcare specialist auditors accounts receivable accounts payable random transactions the records on the public records are available to public. Yeah. Oh wow. So it's the law it's available to public rightations but other congregations in February your price is right. Wow. Surplus in the near future medical expenses mental health covering. We have 12 visits for our mental health insurance [Music] million dollars. open enrollment insurance, right? Special needs that child needs ABA therapy insurance therapy, right? problems medically necessary. Right. Million in incident. So my question you know what mental health is an important thing double the services or something professional survey company mental health survey Right. Dental add-on dental credits. for dental 50% or 60% for the dental. This is this is important. This is my personal opinion backing of them. The dental industry for some reason is the most rundown industry coverage you know root canals it's just medicry dental right it's all out of pocket to get the by the Medicaid dentist. This is terrible. This is the long term. The long term burden, right? The grace of pain was 60core, the insurance concepts and health sharing concepts. Let's fight. Fore episode information office 440772 fear The website unitedrafia.org unitedrafuh.org Amazing episode. Like, comment, sh episode. [Music] How to appreciate the [Applause] [Music]