DJ Valerie B LOVE Show

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In this heartwarming holiday episode, we dive into the inspiring story of Andy Schoonover, CEO of CrowdHealth, who embodies the spirit of generosity by gifting a prosthetic arm to a young girl named Remy. Despite not being a client, Andy was moved by Remy's story, which he discovered through social media, and decided to make a difference by covering the cost of her prosthetic arm. This act of kindness sparked a chain reaction, as Remy chose to use the funds from her GoFundMe to help other children in need of prosthetics, demonstrating the power of paying it forward.

Andy shares his journey to founding CrowdHealth, a company aimed at revolutionizing the healthcare system by enabling people to pay for medical expenses in cash, thereby reducing costs and eliminating the need for traditional health insurance. He discusses the challenges and successes of building a community-based healthcare model that prioritizes human connection and generosity over bureaucratic hurdles.

The conversation also touches on the inefficiencies of the current healthcare system, the role of health insurance companies, and the potential for Bitcoin and other innovations to transform how we approach healthcare. Andy's vision for a more compassionate and efficient healthcare system is both inspiring and timely, especially as we approach the holiday season.

Listeners are encouraged to consider alternative healthcare solutions like CrowdHealth and to embrace a mindset of abundance and generosity, as exemplified by Remy's story and the broader mission of CrowdHealth.

https://www.joincrowdhealth.com/
https://x.com/joincrowdhealth
https://x.com/SchoonoverAndy

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(00:00:44) A Christmas Miracle: Andy Schoonover's Generosity

(00:07:19) The Birth of CrowdHealth: A Personal Journey

(00:14:04) How CrowdHealth Works: A Community Approach

(00:25:30) Addressing Preexisting Conditions and Costs

(00:37:44) The Healthcare System: Challenges and Solutions

(00:51:06) The Future of Healthcare: CrowdHealth's Vision

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[00:00:32] Unknown:

Hey. Aloha, love tribe. Happy holidays. Woo hoo. 2 more days till the Santa Claus man jumps down the chimney and brings   lots of joy and generosity   to all the little kids all over the world. But somebody I have here who is a super generous Santa   gave   a little girl a prosthetic arm, a miracle for Christmas, and I am so impressed and inspired by   Andy Schoonover, who is the CEO of CrowdHealth. Welcome, Andy.  

[00:01:02] Unknown:

Thanks for having me. Merry Christmas. Yeah. Merry Christmas. So,  

[00:01:06] Unknown:

you know, so I saw your post and, you know, first, I'll let you talk about, you know, who you are and how you got to CrowdHealth, but I I also wanna I wanna just kinda name   what happened. And, I mean, this is so inspiring to me because   not only, you know, did this little girl get a Christmas miracle,   you know, it's like you she wasn't even a client of yours, and that's what made it so special. You just saw this on I believe it was Mario Narfalls,   thing, and then you're just like, heck, yeah. We got this. So could you share a little bit about that experience? Like, talk about what happened with this young girl and then obviously talk about, you know, crowd health and what your business is and how you got here. There's gonna be a whole bunch, so we'll dissect it. But I'm just I'm so   you just warm my heart. It's just so great. So I'm thank you for being you, Andy. And yeah. Well, thank you. Thank you again. I yes. So it was it was,  

[00:02:00] Unknown:

you know, I I feel feel very much like divine intervention. It's one of those things where you scroll through x. You never really are sure what the algorithm is gonna give you that day. And and Mario's   story popped up, and he was,   he I I think he linked it back to   a a daily mail or something,   article about this little girl in Utah   who, needed a a prosthetic   arm, but her health insurance plan declined   to to give it to her.   And so I'm just like, man, that is so crazy to me that a health plan would deny, you know, this little 9 year old who's cute as can be. You know, she was wearing a shirt   that said she actually lost her arm,   at or during kind of the birthing process.  

Oh, yeah. Umbilical cord got wrapped around her her arm, and it cut off the circulation. And so she had she lost her arm. And she was sitting there, and she had this shirt on that says, before you ask, it was a shark.   And it just it, like, it it   it it it's just a cute blonde girl with glasses. I was like, man. Like, that's awful. Like, I'd love to help her.   And,  

[00:03:13] Unknown:

you know, so Right here, this this shirt right here?   Let's see. Is that the one? Yeah. Before you ask, it was a shark.  

[00:03:21] Unknown:

Yeah. I think the one on the right is what the one that says it. Right here.   And so I I I kind of you know, through the the crowd health,   handle, it was like, hey. If anybody knows this this mom, like, let me let me reach out to her. I'd love to reach out to her and help. And so, ultimately, I I went to the GoFundMe, and I, you know, clicked on the link to GoFundMe, which I think emailed her mom. Her mom reached out to me. I had a conversation with her, and I was just like, man, I just feel compelled   to help you. So I would love to, you know, buy your your daughter's prosthetic arm, which is about $25,000.  

And she was just overwhelmed with, you know, joy, of course, from that. And she said, but I have a GoFundMe   account going on, and it's doing really, really well. And I said, well, you know, why don't you just use that for educational purposes? Like, you know, Remy is 9,   and she's got, you know, some some sure some educational costs going up. Just use it for that.   And,   and and she's like, okay. Well, I'll I'll do that. And then the the beautiful thing about this is that her mom emailed me the next day   and said, Remy has enough   for another prosthetic arm. And so instead of her using it for educational purposes,   she found another girl who was declined a prosthetic arm. And so Remi is gonna buy this other little girl or excuse me, this other little boy. His little boy's name is Taj Taj. A prosthetic arm.  

And I'm like, what? Like, how cool is that?   And, she got so much publicity that she's now trying to fund her 3rd prosthetic arm, this one for another little girl named Faith. Yay. And so I'm like, Remy   is the generous one here. She could have easily pocketed that money and used it for her educational. Instead, she just wanted to, like,   continue to give. You know? And I think   the beauty of that story, especially as we approach Christmastime, is just really, really cool that this little girl had such a big heart.   You know, she got screwed by the system, but instead of acting in, you know, re retaliation   or acting in kind of the sense of entitlement, she reacted in this sense of generosity. And so I just thought that was so, so cool.  

And so Remy is gonna get her arm here soon. I'm gonna fly up to,   to she's actually getting her arm in Colorado. She lives in Utah, but she's getting her arm in Colorado.   I'm gonna fly up to Colorado and meet her and and just kind of the the family was willing to allow me to share that experience of Remi getting her arms, so it'll be a really cool thing. Oh my god. That's so cool. Well, come say hi to us at the Denver space, which if you're in town, like and just, you know, pop in if you have time.  

[00:05:58] Unknown:

But this is, like,   what a blessing. Right? Like, it   we learn by people's examples. Right? And so I think that, like, this young girl obviously   got the   the the the love from you and the care from you, and she's just like, yeah. I wanna pay it forward.   You know? And, like, what a great   example for all of us to remember, like, the way that life flows and how energy flows and the divine flows through everything. And it's   like, if we can go and operate from a place of,   a place of feeling abundant and generous and prosperous, it's like   it frees up those blocks. Right? And so it keeps the things circulating. And I think as Bitcoiners, we love that because we think of, you know,   the the global circular economy as Bitcoiners. So it's like, wow. How can we zap each other and, you know, send money? We just raised almost half a 1000000 sats for I called it sats for tots, and I we're, you know, we're donating   a bunch of Shamari.  

It's not   $25,000, but it's it's toys that from Shamari, you know, for some kids at, Toys for Tots. So it's just been so nice to see the the Bitcoiners, you know, zapping 10 sats or zapping 50,000   sats or whatever. And it's, like,   it's such a nice feeling to know that, like, yeah, the world is an abundant place. And so let's talk about you, Andy, and, you know, your backstory   with,   you know, starting CrowdHealth. How did you become   the CEO of this very unique company?   And we'll talk about what is CrowdHealth, obviously, for people to understand.  

[00:07:35] Unknown:

Sure. I mean, I I think that they're the segue from, you know, Remi to CrowdHealth here is is pretty is a pretty clear one. And, you know, one of the things I'm thinking about Remy is that, you know, her her misery birthed her mission. Yeah.   You know, she had a really hard I mean, she had a a rough start in life. You know, she she she's gotta do with one arm while other people do with 2 arms. Her misery is now creating a mission   to help all these other little kids who, you know, are also in the same situation as her. Yeah. You know, from from my and I I see that over and over and over again playing out.   You know, my my wife and I lost our first daughter right after she was born due to due to a congenital condition,   and that misery, which is real,   very, very real,   has created a mission for us to help other families who also are in that situation.  

You know, and to much a much less extent, you know, I,   I was on health insurance before, and I was in the same situation as Remy. But in this case, my daughter who   was having recurring ear infections,   was denied   the ear tubes, you know, tubes in your ears. And that's just what happens is that you get, you know, so much built up within your ears because of these infections that burst your eardrum.   And then it just is impossible to get that to to heal without putting a little tube in there so all the stuff can drain out so you don't have any pressure on your eardrums. Yeah. Totally. So parents out there who got kids that cry I mean, crying night and day, all day long, I mean, it's an absolute painful experience that got resolved with these ear tubes.   But the insurance plan   denied them for my daughter saying that it was medically unnecessary. So the exact same reason that Remy got denied by hers, medically unnecessary,   is kind of the the overarching term that the health insurance plans use to to say, we're not paying for that.  

And and I knew it worked because my daughter stopped crying. She was totally fine. She slept better. She, you know,   didn't lead this miserable existence that she she had previously. And so we're we're just so thankful for that. But, you know, I I called Delta Insurance Plan, and after 2 appeals, they just said, no. We're not paying for it. And it sent behind them. You know? You're not gonna pay my bills. I'm not gonna pay your bills. And so   my wife and and 2 daughters went uninsured.   And, you know, over a period of time, we just try to figure out, like, how do we viably,   you know, pay health care bills without having health insurance and actually found it really, really easy, much easier than going through health insurance.  

And that kind of all culminated in me founding CrowdHealth because I was like, I bet you other people   hate health insurance as much as I do and want the the the tools and the tricks to to, to beat this system. And so, you know, we started CrowdHealth in 2021, and and here we are, you know, almost 4 years later. So it's been a very, very fun ride. Well, I and I think, you know,  

[00:10:32] Unknown:

what you were mentioning earlier, obviously, about this young girl and, you know, your child. And,   you know, it's really frustrating when you've got admin and bureaucratic people who are not doctors,   who are saying what's medically necessary and what's not. And so, you know, we all you know, we spoke before we went live. And, you know,   why is a stack of prescriptions medically necessary for people with mental health issues or depression or anxiety or whatnot,   or pain? Obviously, people get addicted to these painkillers.   And so that just keeps the machine running. Right? And so   it's very, very challenging to think, like,   why do they get to say what's medically necessary? And especially this child, you know, and obviously your child with,   I know what it's like to have kids up all night screaming with ear infections. And and if it's consistent and you really do need those tubes, which are very important,   that's impacting the mental and emotional health of the whole family,   you know, and obviously the child. And so, you know, obviously, we understand physical,   you know, necessity for things. And then when you don't have that, it can lead to these   long term, you know, chronic mental health issues. Right? And so   it's very, very challenging, I think, to the system is so broken and so funded by, you know, big pharma   to keep their their script pads   chunky and and fat. And so   this is just such a great gift that you've given this beautiful child, and then this is the other child.  

This is Taj. Right? Yeah. And so,   so I just think it's just such a cool thing. And so let's talk about you know, so how does CrowdHealth work, and how does, you know, how do people get this? Because I know we talked a little, and I've got some friends who were, you know, looking to sign up. And, you know, I know a lot of people have   why don't you explain how it works first, and then we'll bring up some of the other points for and go from there. Sure. Yeah, man. I think, like, the key moment that I finally said this could be a business is that  

[00:12:36] Unknown:

when I'm when I started, you know, appealing this this what ended up being an $8,000   bill,   that my my daughter had. And I I had to stroke an $8,000 check to the local hospital. And,   I put something up on x describing this experience, and I had a bunch of doctors reach out to me. And one of them, was like, oh, yeah. You know, we do these in our office all day long, and it's, like, $1500.   And I'm like I'm like, wait. Hold on a second. Like, I just paid $8,000   to a hospital to do this, and you could do these for $1500?   They're like, oh, yeah. If you pay in cash,   then I'll we'll we'll we can do these for 15:15,   $1500 because it's only a 15 minute procedure.  

So it's not like this, like,   super intense, you know, cutting and, you know, opening and all that kind of stuff. It's it's super, super easy.   And so I it it it the light flicked on to me is, like, if I can enable people to pay in cash for all of their procedures, whether it be small ones or big ones,   then we could significantly reduce the price of health care.   And if you can significantly reduce the price of health care, then you can you know, you don't have to do all of these, you know, denials and things like that to make the numbers work. Right? If we cut the the the health care costs in half, then you have a lot of of of   room there to to to do things that people really wanna do with their their health care. And so that's one of the the light really flicked on to me. And and so in essence, what we're doing with CrowdHealth is   we've got this platform   where we've got 10,000 people on it so that if somebody in our community   gets hurt,   has an illness, gets pregnant, whatever it may be, they can submit that bill to the community,   and then a certain number of people will be asked to help that person. So let's say, for example, you know,   Remy, you know, needs her,   her her prosthetic.  

I'm just gonna use the 20   $20,000 number just to make the math easy. Mhmm. So she's got a $20,000   prosthetic, which, by the way, is significantly less   than what it would cost if she paid with health insurance. So she's already getting a cash pay discount. Mhmm. So I'm gonna go to, you know, let's just say, 200 people in the community   and ask them for a $100 to help out Remi with her prosthetic arm.   And just I'll I'll ask the first person, and they'll say yes. And that means that a $100100   will go from that person to Remy.   And at the end of the day, when I have 200 people who said, yes, Remy has her $20,000   so that she can now go pay for her prosthetic directly.  

So, you know, that's the way it works. And the cool part about that is, like, you know exactly where your money is going.   Right? If if if Right. You know, I if I ask you to help Remi, your money is going directly to Remi to help with her prosthetic.   CrowdHealth does not get in the middle of that. It literally goes from your account to Remi's account. And so that's the really cool part of this. And,   you know, people actually, like, are treated like humans again as opposed to just, you know,   numbers in a in a in a spreadsheet.   You know, we've we've had multiple occasions in which people,   you know, had miscarriages, and there were there were,   costs associated with that. And so we reached out to the community, and we got feedback from the community that was like, man,   I I know what this feels like. Like, my family has gone through this. You know, especially the women, they're like, I I know the pain that this woman is going through right now. Can I give instead of a $100, can I give $200?  

Wow. Like, in never in a 1000000 years did you call UnitedHealthcare and be like, hey. UnitedHealthcare, can I pay you more this month? No. No. But this is a transaction between human beings,   which there's just another kind of whole, like,   humanity human component to that that   is I mean, I love sending my build or my money to somebody else in the community,   because it feels good to me. I feel I'm helping somebody else out directly. And so   that's how it works. I'm happy to go into the mechanics of, you know, how it works specifically. But,   you know, ultimately, what we're doing is connecting human beings so they can help each other when they're most in need.  

And   over 20,000 bills,   it's worked 99.8  

[00:16:55] Unknown:

percent of the time. So it's been super effective in getting these bills paid. And so, you know, because when I was in Austin last week, you know, several of us were talking about, you know, this this program and, like, how would it work how would it work if you're out of the country, for example? Like, let's say I go to El Salvador, I'm at adopting Bitcoin, and I, you know, I hurt my foot. God forbid. You know? Whatever.   What how does it work if you're out of the country? Is it just for in country  

[00:17:22] Unknown:

in the city? Out of the country too. And in fact, we had a guy maybe even 3 or 4 months ago, may yeah. Ish.   He went to Japan.   He got bacterial meningitis while he was there. Woah. He was in a coma for 3 or 4 days. Woah.   And he had travel insurance, but his travel insurance denied it. And so he submitted to to CrowdHealth. CrowdHealth got it paid for.   I think we funded that within, like, 3 days.   And so we say, like, don't get travel insurance. It's a bunch of garbage from my perspective. You know, if you're a crowd health member, wherever you are in the in in the world,   you can use it. So,   there's no no longer any need to do these these garbage travel insurance,   plans.  



[00:18:09] Unknown:

Wow. What about okay. So that's incredible. Because,   obviously, a lot of, you know, Bitcoiners were traveling. We do conferences. We're, you know, name ads, etcetera.   I I think that's super important. So how just you know, because mentally, I'm just envisioning a group of 10,000 people,   right, who are in this this community.   Is there a way that you're sort of tracking,   you know, because you said, oh, I would ask, you know, say, 200 people for a $100 or whatever it was. Uh-huh. How does your system know which 200 people to ask? Is it looking at sort of like,   okay. Here's our pool of 10,000.  

You know, these   9,800 people have already given a whole you know, they've kind of are equally what they've given. Do we ask the next 200 just so that people are kind of getting up to the same level of giving? Or I'm just curious, like, how it what's the Yeah. Great question.  

[00:19:03] Unknown:

Yes. We we only ask you once a month in a round robin style approach.   So the person who has the oldest request starts first, and then we ask those first 200 people.   And if 5 say no, we'll ask the next 5 people who are the oldest. And so it's a round robin, but only once per per month will we ask.   So that's how that works.  

[00:19:25] Unknown:

Got it. So it's not like   you put it. It's not like a Geyser page or something where you have a whole bunch of different people's bills and people can just go, cool. I wanna help the woman who had the miscarriage, and I wanna help   the runner who sprained his hamstring or something.  

[00:19:39] Unknown:

Yeah. I mean, I we don't have that currently. We have, like, we ask you for one specific event in which you can say yes to or say no to.   I would love for us to be able to go in and and say, I wanna give to this, this, this, and this. It's just we can't, like, get that done quickly because a lot of times, like, these people need money quickly. You know? And so, like, how do you do that?   But, but the other thing that people ask when I kinda tell them about this structure,   you know, it's like, why would I give to Remy, right, when I don't even know who she is? You know, maybe that one is the easy one because it pulls at your heartstrings a little bit. But what if somebody, you know,   breaks their ankle, you know, playing basketball? Like, not really, you know, heartstring tugger.  

But one of the things that happens is is when that person submits a bill to the community, what we know about that person is how generous have they been to the community over the last 10 times that they've been asked. Okay. So have they said yes, yes, yes, yes, yes, or they said no, no, no, no, no. Right? And so if they've said yes, yes, yes, they've been a great member of the community. Whenever they've been asked, they've been willing to help. If they've said no, no, no, no, no, then they're probably   takers   from the community and not givers from the community. Okay. And so when I said earlier that 99.8%   of these bills have gotten funded,   the 0.2%   that haven't gotten funded are from the people who have been   takers and not givers,   meaning that when the community sees that you're not being a good member of the community,   they those bills are not generally getting funded fully.  

And so that's how that works. And so I just didn't see that. This sounds like a social credit score type thing.   Not not a social credit. More like a reputational score. I mean, more like, you know, if you're going to, you know,   eBay or whatever and you're buying something off of eBay or Amazon or whatever, you're not gonna buy something from a one starred seller. You're you know, you want a 5 starred seller because everybody else in the community has had a good, really good, you know, interaction with them. So But so there's a public way to, like, star people after they've contributed to your bills or something? Or how how does that work so that you know what those 5 let's say 5 stars example?   Yeah. So,   if you   we we we measure it on a kind of a 100 point scale. Okay. So if you give 9 out of every 10 times,   you're a 90 generosity score. Okay. If you fall below a 90,   then we actually make it red. So you see that bill, but it's red, meaning, like, hey. You need to make sure you're looking at this person's generosity score before   you're you're you, you know, act upon it. And so and you do not get dinged if you say no to somebody else who has a generosity score that is red. So that's kind of a key component.  

So that's that's how that works. And it just, you know, creates some reciprocity within the within the community, and,   you know, it's worked incredibly well  

[00:22:35] Unknown:

at being the engine that that drives this. And so from a, you know, obviously so I'm on the site right now, and, you know, if we were to look at, let's say, pricing.   Right? So let's go say I'm gonna sign up myself.   I will be 55 this year. Okay. So so my contributions would be 3.35 a month ish.  

[00:22:58] Unknown:

Mhmm. So   you'll get billed twice.   Okay. The first one is for that $55.  

[00:23:05] Unknown:

Okay.  

[00:23:06] Unknown:

And that's going to CrowdHealth.   So that's the only revenue that we get. It's for us to pay the bills. Just to add and then, you know, to make keep the lights on, all the good stuff. Exactly. And and the way that the reason why we made it a membership,   fee, we call it the advocacy fee Okay. Is because now you and I are aligned in terms of what we did want the outcomes to be. You know, we are fighting hard for you to get these bills paid.   Whereas with the health insurance plans, their their profit is the difference between how much they bring in and how much they send out. Right? So they have an incentive to bring in more and send out less.   For us,   ours is just we want more people in the community, so we have an aligned incentive. We have more people in the community than if you have a really big bill as there's more people we can ask. Those those incentives are totally aligned. Okay. So that was the the reason why we we did that. Then I'm gonna charge you, or, you know, the second time during the month,   another   up to $280,   and that's gonna go directly to another person in the community.  

And so that is going to Andy because he broke his ankle or,   you know, having   a baby or whatever it it ends up being. And so that's when I will ask you. And if you say yes, then 280 will go from whatever payment account that you set up when you started   to an account that is owned by   the person who is the requester   or the the the people who need help.   And then, you know, I think I said at the end of the day, then they have enough money to then go pay for their their procedure.  

[00:24:42] Unknown:

Okay. So I just wanna clarify. So   so each month, Crowd Health would receive 55 to just do all the hard work that you're doing, negotiating, and and keeping the, you know, admin and tech running. And then the other 280 is something that's gonna get used for   those bills that are gonna kinda go around to each of the members, and you'll say, yes. I wanna pay for Andy's ankle thing.   Exactly. Got it. Is it up to 280, or is it always 280?  

[00:25:09] Unknown:

Yeah. It's oh, it's up to 280. And so in fact, this month, I think we only asked for 2.20 of the 280 because our bills are so low that we don't need all 2.80. So you get to keep that remaining 60.   You can do with it whatever you want. Buy Bitcoin with the that $60. You know? Buy a good rib eye, whatever you wanna do with it. We're never gonna ask for it back. That's your money. You hold it. You know? In the insurance model, if you have really low bills, the insurance company keeps it. In our model, you keep it, which incentivizes the entire community   to, you know, do really well with these with these bills because you're you're feeling it, you know, directly, which is kind of a a cool, you know, different thing than than, you know, the way health insurance work or some of these other health shares work.  



[00:25:52] Unknown:

Wow. And so so   what I'm hearing just because my mind's still in the old, you know,   medical matrix of, you know, $7,000   deductible,   all the co pays and coinsurance, blah, blah, blah.   How would does it so this is like,   would I pay extra? Like, if I let's say I do you know, I'm in an an an injury and, like, this doesn't cover it. I'm still gonna have another   couple $1,000 bill, or does that go back into the community also? And so, ideally,   is it each month you're not coming out of pocket more than the max 335   if you're not, you know, if you're my age?  

Or are you having all these other possible bills that are gonna get on top of this?  

[00:26:37] Unknown:

Right. That's a great question.   So one of the things that I wanted to do as I started researching,   just   the matrix as you called it, you know, early on was I found that, like, 200 somewhere between 202,150,000   people or, excuse me, families   every year go bankrupt due to a medical expense   even though they have health insurance. Yeah. My my parents, that happened to them. My mom my mom stepmom and dad. So Yeah. It's it's crazy. You know, these people these people have health insurance.   They they get into medical debt because of two reasons. One is denied bills, which I already talked about. Mhmm. The second is these huge deductibles.   Yep. So oftentimes, like, the health care dot gov plans   I looked at a health care dot gov plan for me and my wife and my two family this year just because I was curious, and it was like I think it was 16 or no. It was $17,000   deductible.  

Oh my god. $131300   a month. So, basically, I have to pay $30,000   before   the health plan pays a dollar. I mean, that's what's silly to me. Right? So I'm I'm getting to the answer to your question. But in essence, what I wanted to do is make   that,   any payment for a big illness or injury or pregnancy or whatever it may be is really small so that it doesn't put people into bankruptcy or financial distress.   So what we do is we ask you to pay the first $500   of any health event.   So   if you,   you know, break your arm and go to the ER, you just pay $500 of that.   And so if you break your arm, you go to the ER, you're gonna get, you know, X rays, you're gonna get a cast, you're gonna get an ER visit, then you're gonna probably have to go to an orthopedist and get more X rays, and then you probably have to put on a new cast.  

You know, the this may be 5 or 10 doctor visits, a bunch of imaging, an ER visit, maybe even medications if you have to do, you know, a surgery.   That's all one health event. So all I'm doing is asking you to pay the first $500 of that. The remainder will be sent to the community.   And so we asked for the first 500 so you have some skin in the game. Yeah.   And so but there's no these no huge annual annual deductibles or anything like that. We just ask you to pay the first $500   of any health event. The rest will submit to the community.  

[00:28:53] Unknown:

And then what about, like, chronic things? You know, like, I have thyroid stuff that I'm on, and so   whatever. That's just part of, like, a prescription that I do every month. And so Yeah. How how would that work if somebody has some kind of, you know,   chronic issue or,   you know, dialysis   or something, you know, that's like they need to do repetitively?  

[00:29:14] Unknown:

Yeah. So we had an issue when people   first signed up of something that   folks had,   and then they would so the like, let's one of them was, like, a hip replacement. So somebody jumped in,   got their hip   funded, and then jumped back out again. And I was like, wait a second. Like, this just doesn't work. Right? And so, you know, in essence, what we ask people to do is own their own health events for the 1st 2 years. And then, you know, the 3rd year, the community will start helping out.   But I would say for the vast majority of these chronic conditions, I mean, you you have, some you just mentioned thyroid. My sister joined,   and she's got high blood pressure and thyroid, and so she's taken some meds with that.  

And she's really worried about, like, okay. These meds are gonna be really, really expensive. And I was like, look. The vast majority of these things are really inexpensive.   My guess is your thyroid medication,   do you know how much you pay for it every month? It's, like, $40 a month. I mean, it's not much. It's you know? Yeah. It's and I bet you if you pay it in cash with through some of the the kind of contacts that we have, it's probably under 20.  

[00:30:19] Unknown:

So that's something that so for people who would sign up, they could have, like, your resource guide of kind of go here, get your scripts, get your stuff, get your lab work, you know, whatever, and then do things that are at more cash basis type stuff. Exactly.  

[00:30:33] Unknown:

That's We are our superpower is finding, like, awesome,   you know, docs and services at really low prices. You know, I I usually do I do labs twice a year. Okay. And I,   I want, like, the full set. And so I went and tried to find it by myself, and it was $1,000.   And I went and CRUD Health,   found it for me for I think it was, like, $85.   Oh, wow. And is this, like, full panels like a functional medicine doctor would do or regular? I mean, it was it was pretty full. I mean, it's probably not all the things that the functional would do, but, I mean, it's good enough for me. I mean, it is, I think, probably 60 or 70 different tests   for, you know, under a $100.  



[00:31:14] Unknown:

Wow. That's incredible. So okay. So then just going circling back. So clarifying.   So for the 1st 2 years, if you have any claims or anything, you're just you're taking it out of pocket yourself?  

[00:31:25] Unknown:

Only for preexisting.   Only for preexisting. So if you got it If you sign up today and you find out you have cancer tomorrow,   that is fully eligible. Okay. If you signed up today and you found out you had cancer 3 days ago, that's not eligible. Got it. Okay. Anything that happens while you're a member is fully eligible.   But anything beforehand and we only look, like, back, like, 5 years. And so if you had cancer 10 years ago   and it pops back up the day after you join, that's still eligible because we only look back 5 years.  

[00:31:57] Unknown:

Okay. So it's a 5 year look back for preexisting conditions.   And then so if you have just again, I'm just clarifying for people who are listening. And,   so if if you have a preexisting condition,   it'll look look have a look back of 5 years, and then in 2 years, you'll start because you're obviously been participating in the community and whatnot for 2 years, then CrowdHealth will start offering the ability for you to submit a claim. Or Yeah. You got it. Got it. Cool. What about,   is so 2 things I think of. You know, you're like, oh, if you don't get your you know, if it's 220 versus 280 this month, go buy some Bitcoin.   What are there any,   you know, HSA things where we could go put Bitcoin into an HSA   and use that those funds to pay for these things and then have a tax incentive. Like, I think we're at 3 thou some 3 something a a year   or 27100.  



[00:32:53] Unknown:

4,000 now. 4,000. Okay. It's 2,000. 100 max, you can put it in an HSA. And, unfortunately, you know, the,   the the big health insurance plans have been incredible at lobbying   so that you have to have a health insurance plan to have an HSA. Got it. Or do you to to submit more to an HSA. Okay.   You know, what we're doing is, you know, in in that $60 that you saved, if you're a part of our what we call our Bitcoin crowd,   you all you we will automatically   sweep that $60   into a fold account,   which then converts that to Bitcoin.   So you're basically having your own Bitcoin health savings account   that you're contributing to every month with kind of the excess funds that are not being used. So   that's that's pretty cool. So,   and and we will we will pay your Fold plus fees as well as a part of that. So people who are familiar with Fold, you know, it's usually a $100 a month or, excuse me, a $100 a year Okay. To pay for that. We'll pick up that cost, and then any excess dollars will be flow into to fold. And I think that's more valuable than,   you know,   any tax tax deduction   or whatever you get through through HSAs.  

So that's how we do it now. I'm I'm hoping with the current administration or the new administration, excuse me, the HSAs and the   the health plans   will be kind of bifurcated   so you can submit to an HSA   without, you know, having having to have   having to have   a,   a a health high deductible health plan.  

[00:34:29] Unknown:

Yeah. It seems like I mean, obviously, the insurance lobby is not gonna be so excited about that as you mentioned, but it's like it seems like every   citizen should have a larger ability   to have a separate account to save   for the medical expenses that are tax free, you know, and they can grow tax free, obviously. And so   that seems like something that could also ease some of the burden of the costs of the medical system that's put on the government right now. I mean, who knows? But,   I don't know. Just I'm so excited to see   like, I love what you're doing because, you know, we look at all these different you know, we just had the the muse independent music summit and the boostogram thing. So it's like, here's a segment of artists and creatives and podcasters and authors and musicians and DJs who are using Bitcoin this way to grow their their audience base, and you're using Bitcoin   to help with health care, you know, and get people, you know, the ability to not go bankrupt, hopefully,   because of these outrageous things that they have to deal with. I know this was yeah. This happened over 20 years ago.  

Gosh. About, yeah, more than that with my folks. And, you know, I wasn't in a position where I could bail them out, you know, that that back then. And   it was just devastating because my bonus mom was diabetic,   and, you know, her   diabetes medicine was, like, more than they made. You know? And it when they were retired, so it was just this awful,   she she just couldn't afford to pay. And so they had to they lost so many things in their life. And I'm like, you know, she wasn't the healthiest woman, so, obviously, it's what she was consuming wasn't   helpful helpful. But   it just doesn't seem like you should go   bankrupt   because of an illness or an accident.  

You know? Mhmm. Like, that's just so sad. 100%.   Yeah.   So,   yeah, this is exciting,   Andy. I really like, so tell me, like, what have been some of the   you know, you you said the story about the the woman with the miscarriage, and   how did you know, what are some interesting stories too that maybe you can share,   you know, for some folks?  

[00:36:39] Unknown:

Yeah. I mean, I I think one of my biggest learning is or, you know, when you go into starting a company, you have these set of assumptions. You know? And if if these assumptions work out,   then I think we've really got something here that can change the trajectory of of health care. And   one of my my big, you know, hypotheses was that if I could pay our our doctors in cash, then that's gonna change the game.   Because in in essence, you know, not to get too deep into, like, health care mechanics, but,   you know, doctors spend, like, 2 days a week   fighting with health insurance plans. Oh my god.  

They're they're not taking care of patients. They're fighting with health insurance plans.   I was like, what would happen to our system if doctors could focus those 2 days on actually doing what they're gifted with doing?   You know? And   and and because of that, they have to fit so many people in their daily kind of   schedule   just to make money   that they can't go, like, deep enough to understand, like, what the root problems, the root causes are   of some of these these conditions. And so the system, just the way that it's set up through health insurance,   almost forces doctors to take this   symptom relieving approach as opposed to an illness, you know, relieving or a a root cause approach. And that's why I think we have so many people on pharmaceuticals and all these things because somebody comes in with a symptom. The doctor's like, I know how to resolve that symptom. I can't don't really have enough time to to treat everything, but here's the medication.  

And so we have all these people on 5, 6, 7 medications,   and and it's a sad state of affairs.   From my perspective,   all created   because the health insurance plan is the payer   and not the cut the patient. Right? And so   the health care system is the between the payers and the hospital systems or the doctors, and so it's a business to business transaction. And the patient is not even a part of that transaction. And so, therefore,   you're not actually the customer.   You're the product.   Right? These these these big organizations   are using you and your illness   to create  

[00:38:52] Unknown:

wealth. Yeah. To create billing.  

[00:38:55] Unknown:

To create billing. Oh my gosh. You know what? And that's the craziness of our system is you're not even a part of it. You know, you're the patient. You should be the center of it. And in fact, you're not even a party to the contract.   And that therefore means that the doctor that you're seeing   I I always say that, like, the the,   you work for whoever pays you.   The doctor is getting paid by the health insurance plan ultimately.   And so the doctor works for the health insurance plan. The doctor doesn't work for you.   You know? But if I can go in there and I can actually pay in cash the doctor directly, guess what?  

The doctor now works for me,   and I can fire the doctor.   You know, we're we're you know? The that's that's the beauty of this system is you wanna rip out the government, the health insurance plans,   you know, your company that you're working for out from the middle of that relationship so that the the the patient doctor relationship   can get back to where it it needs to be. So that was the biggest revelation for me kinda going through this is if you pay in cash directly,   you make the doctor's life better.   He can spend a lot more time. He or she can spend a lot more time with you,   and   you're actually the customer now   as opposed to the health insurance plan that you know, under that system, the doctor has to satisfy them, not you. That's that was one of the biggest revelations for me.  



[00:40:17] Unknown:

That's amazing. I think about   you know, and you make such a good point because of the doctors and all the,   all the interesting   disconnections that we have. And we have to you know, like, when   this little girl, Remy, her doctor said, yes. It's medically necessary for her to have an arm.   And   because it was through this, you know,   awful insurance company   that said, no. It wasn't the doctor patient relationship that was driving this girl's health care, which is obviously a lot of the issues that we have to navigate. And so   what have you   have you encountered because obviously, we think about high and low time preferences Bitcoiners. Right? And we think about, you know, the doctors get in, get out. We've got 11 minutes to see you. What's wrong? Okay.  

Here's the symptom. Here's the script. Let's go. Go. Go. Next. Next. Next. Cattle. Cattle. Cattle.   So you don't get to have a more of a holistic intimate relationship with your doctor.   You know, you really do I mean, I still I've never felt treated like   me as a human, as a whole human by any doctors in this medical system. And I have friends who are doctors, and they know. They're just,   doctors in this medical system. And I have friends who are doctors, and they know. They're just like just like you said. They spend so much time doing   the nonsense instead of really being able to spend that extra time with their their patients to understand.  

You know, like I   don't know about you, Andy, but anytime I've gone to a, you know, a a Western medic medical doctor, I don't get asked how much sunshine am I getting. I don't get asked, you know, what am I consuming mentally, like my social media or my content. I don't get asked all the questions that   definitely you know, how much are you sleeping? You know, who are you having fun? And so,   like, those to me are such baseline questions for all of us to know. Like, hey. Go outside for another 20 minutes a day and get some sunshine in your on your skin and eyes. That's good for you.   It it's so sad because they're just funded and incentivized   with the prescriptions. You know? And   have you ran into you know, or are you starting to see a trend with any of the doctors and the providers   that are like, yay. CrowdHealth is awesome. We wanna have   we want more patients like this so that we can not deal with the insurance companies.  



[00:42:32] Unknown:

Absolutely. And in fact, I I've I've said a couple times, I think the best doctors in the world   will not accept health insurance in the next decade.   You know, I think they are so fed up with this Yeah. That they're like, we wanna get rid of health insurance.   You know, crowd health, if you have members who are willing to pay in cash,   please send them our way because we want these these patients.   Because I wanna start you know, if if UnitedHealthcare   is 70% of my revenue, I can't just say no to them day 1. But if I can turn that into 60 and then 50 and then 40,   you know, I can wean myself off of of health insurance, and that's really what we're enabling these doctors to do. So we have doctors, like, dozens every week reaching out to us saying, hey. Please send members my way because I wanna get off this,   you know, rat race of of health insurance.  

And, you know, it's it's a beautiful thing. And I think the consume consumerization   of health care is gonna be, you know, real over the next, you know, 5 to 10 years for sure.  

[00:43:34] Unknown:

And do you like what's your growth rate right now with with CrowdHealth?   Like, are you getting a good are you getting your up and to the left,   up to the right? Sorry.   I'm just toxic right now.  

[00:43:47] Unknown:

No. It's it's alright. Yeah. No. We we grew we grew about a 150% last year. We'll probably grew up grow a 100 and, you know, 40 or 50% this year.   So we've got,   you know, about 10,000 customers currently on the platform. Our goal for the end of this year is 25,000   customers.  

[00:44:04] Unknown:

So For the end of 2025.  

[00:44:06] Unknown:

End End of 2025. Yeah. 525.   Let's go, Andy. 25 and 25. Hey. I didn't even realize that. You got me in my little my little spiel now for my team. 25 by 25. There you go. I love it. So, and we think we can do it. So it's the   the   rate of people reaching out has increased, you know, significantly over the last 6 months, especially. I think people are starting to finally realize, like,   oh, this works. This isn't a crazy idea. You know, a lot of people don't wanna jump in to their getting their health care paid with some, like, crazy idea.   And so people are really realizing now that this this works.  

And and so we're we're excited to see that that growth really accelerate.  

[00:44:48] Unknown:

What would you say to people, you know, like myself who's kinda on the fence? I've been paying outrageous amounts with a massively high deductible,   each month. You know? And,   obviously, like you just said, it's kind of a it's a little intimidating to take the leap because of   just, you know, I'm 55   years indoctrinated   into this old system.   And so as I'm getting older, it's like, okay. I'm still, you know, knock on wood. I'm very, very healthy. And,   but, you know, I think it is it's intimate. Like, what would you say, like, as, you know, the superstar   CEO salesman to people to overcome those objections,   which are like, well, what if something happens and I don't get funded? Or what if what if what if? You know, all the what ifs that I think everybody listening probably has.  



[00:45:34] Unknown:

Yeah. It sounds like to me from just the question you asked as kind of an example that it's based out of fear. Of course. You know, there's a a fear that the bill won't get paid.   You know, UnitedHealthcare   denies   1 out of every 3, almost 1 out of every 3 claims.   Wow. You've hear you've heard over and over and over again. You've sure I'm sure you have friends or family or you've seen peep things on Twitter of all these people getting denied their bills. You just heard about Remi   getting denied by their bills. So on average, health plans deny 1 out of every 6. And so and UnitedHealthcare is 1 out of every 3.   I gave you a stat earlier. 99.8%   of our bills that have gotten submitted to the community have gotten fully funded.  

And so, you know, for me,   you're taking a much, much bigger risk.   You're paying way more, and you're paying a much, much bigger risk   to these health insurance plans than if you were to go with with CrowdHealth.   And we've done dozens of cancer patients. We've done motorcycle accidents, automobile accidents, brain surgeries, heart surgeries,   NICU babies. We had a guy accidentally shoot himself. That was a $1,000,000 bill.   So, you know, we've had really big big things. And and what you're currently saying right now is the number one reason why we're not at $25,000   because people are like, what if? What if?  

You know? And and, you know, what I say is, like, just look at the data. I mean,   health plans, we're sitting here as a business model right now because health plans are so absolutely terrible at getting bills paid.   You know, where where we've shown over 20,000 bills that we can   that our crowd, like, viably gets bills paid. And they do it out of a sense of, you know, I think it's a love your neighbor type of of,   you know, scenario where I'm doing it out of the goodness of my heart is helping somebody else. You know, we're doing it out of love. Your podcast, yours love, right, as opposed to fear Yeah. Which is the way that health insurance plans treat you. So,   I mean,   I I I have me and my wife, my 2 girls are on it. Almost all my family members are on it. Like, I'm   I'm I'm eating what I'm cooking,   and I really do believe that it works way, way better than health insurance plans. So I think it's online is I think it's more risky to be on health insurance than it is on CrowdHealth.  



[00:47:56] Unknown:

I hear you. Do you do you,   have you had, like, a a high turnover? Like, once people become members, they're they're sticking with it, or have you had a a bunch of people say, well, this isn't for me. I wanna go back to my old way of being.  

[00:48:11] Unknown:

I mean, it is so I mean, that's you know, you have this set of assumptions building a company. So I thought we were gonna lose about   2 a half percent of people every month.   And in fact, it's about half of that.   So we lose a little over a percent a month,   and 90% of those people are because they have   another they get another job that's, like, fully paying for their health care. And so, you know, they're looking at, like, free versus a $190.   It's hard for me to beat free. Yeah. I think we're still better than free, but, you know, that's a harder   a harder sell. So, I mean, almost all of those people and let me also say, like,   if you go on trustpilot.com   Mhmm. Trustpilot is a place where you have, people   existing customers can leave reviews for you, and they actually   validate, verify that the reviews are from your existing customers.  

You know, we've got 350   or something like that now reviews, and I think we're at 4.8 out of 5. And for a health care company, like, that's crazy.   I think United is, like, 1.6   out of 5 or something like that. I mean, it's absolutely nuts that we, you know, are that are that high. And it's because we our customers are,   you know, so happy. Let me give you a you're you're in Colorado, so I'll give you another Colorado example.   And here's why customers love us.   I think they were actually in Boulder. A family in in Boulder was taking their kids out for a little hike, you know, and so one of their kids was 6, a little boy, you know, was hiking, climbing a rock, fell,   and hit his face on a rock. And so he had to go to the ER and get stitches.  

And so our,   care advocate internally   sent that little boy, like, a little climbing toy,   so that he could climb in his living room, you know, and with a little note that said something like, I hope this little accident doesn't keep him from a life of adventure.   You know? And so that was, like, 40 or $50 or something like that. But, like, it was just our way of, like, loving our members really, really well. And so that that little boy and his mom cried. Like, she got it and cried because she was so, you know, worried about, you know, this little boy who's now doesn't wanna go on climbing. So we're we're trying to get him back on the saddle.   But But it's little things like that that you're just not gonna get from your health insurance plan. No. You know? And our our our little emblem is just a a heart. And the reason why is because when I asked our team   this is probably about 6 months ago now. Maybe it was maybe it was a little longer than that. I said, hey. What do we do better   than anybody else?  

And that and the the response I get got was, we legitimately care.   You know? And it's just like, do you wanna go with a health care company that legitimately cares about you   or one that treats you like you are the product?   Right. You know? And that's that's that's the difference between us and   and, you know, at UnitedHealthcare   of of the world.  

[00:51:06] Unknown:

Well and I think you nailed it, and your you know, the folks you know, your team and, obviously, customers, it's like, I believe the world, and this is why I obviously wanted to interview you and share the story about what your you know, what you did with Remi   is, like, I do think we have a crisis of caring right now. And it is based in fear, and it's based in not enoughness, and it's based in these old programs. And, obviously, like I mentioned, I'm running an old   matrix program from the old company from you know, the insurance companies from being a part of it for so long. So it's it does take time to shift gears, and, obviously, it takes time to become a Bitcoiner. It takes time to become,   you know, a a a world changer, you know, when you wanna believe in positive things,   when you see so many negative things out there. And so when you Totally. When you shine a spotlight and continue to keep shining spotlights on people who care and people who are doing good things, whether they're little, big, medium, small, it doesn't matter. It's like the more that we keep   emulating that and pushing that forward into the consciousness of   our our our humans on earth,   it it's, like, it's contagious.  

It really is contagious. You know? Like Yeah.   I've I've been wanting to meet you and interview you for a while, but then when I saw this, it was like, oh, okay. Now it's this is perfect timing. You know? Because I've been you know, CrowdHealth has been on my radar for a bit, but I haven't pulled the trigger. You know? And this has been like, wow.   So so I think that's just so cool. And let me   I'm just this is just great, Andy. I really appreciate what you guys are doing with people and bringing us together and making things more,   like you said, like a community instead of feeling like just this number,   a case number somewhere.  

And just that little effort, you know, to keep that young boy excited about climbing and being outdoors, I think that's, like, such a testament to to what you guys are doing. And, obviously, we've got Remi here. Just everybody, I pulled up her little   GoFundMe page. So if you it looks like her GoFundMe page is still where is it?   You can still donate   to Remi, and she's, like you said, Andy donating these funds to these 2 other children.   And so if you feel like giving a little bit of extra Christmas cheer so that these wonderful little kids can have   their arms and some functionality, you can go to gofundme.com.  

Everything will be in the show notes.   And,   yeah. So where else can, Andy, where else can everybody find you?  

[00:53:31] Unknown:

Yeah. We're we're active on most of the social media platforms. You know, x is is probably our most active, so you can find me there at Scoone over Andy or, join crowd health.   And so we'd love you to to do that.   We have a third one there too called CrowdHealth BTC.   That's for our CrowdHealth Bitcoiners, which is probably about a third of our our group is is Bitcoiners, and I think What is that? Tell me what that is.   Is that the Fold So which the thing with the Fold group? Fold the thing with Fold. Yeah. Yeah. And then we're we're starting to have Bitcoiners fund other Bitcoiners. So you're actually in a community of Bitcoiners that are funding each other's health care expenses.   And I think that's important because, you know, as we live, you know, low time preference lives,   the health care costs associated with with maintaining that life will be lower than people who live a high type time preference life.  

And so and I think that you should be benefiting from   a low time preference   lifestyle. So,   the the coiners are gonna start funding each other, which I think the bills are actually gonna be even lower than than kind of the other group. So that's kind of cool there too. So CrowdHealth BTC   is our other,  

[00:54:41] Unknown:

Twitter Twitter or excuse me, x account. It's another x account. Okay. And then what about I did this came up just a minute ago in my little brain. Like, are there any regulatory things where I mean, obviously, we're getting a new administration here in the States, but do we have to have health care anymore? Is this Obamacare thing gone? Like, is it mandatory to have insurance? Is this not is it okay to not have   you know, be in the matrix?   Yeah.   It's mandatory.   If you decide, like, okay. I'm gonna be one of those 1 percenters. Like, is it a problem for people to go reenter if they wish? You know?  

[00:55:17] Unknown:

No. I mean, I don't there's there's no problems. And I think, there's no federal mandate anymore to have health insurance, and so you don't have to have health insurance on the on the federal level.   There's a couple state or excuse me, 5 states, California, Massachusetts, New Jersey,   Rhode Island, and Vermont, I think, that do require you to have health insurance or else you get penalized.   We still have lots of members in those states because the penalty is oftentimes lower than the amount that you're saving joining CrowdHealth, and so we have a lot of people that are still still members.   I mean, I think that they will probably bifurcate   the HSA with the health insurance plan. So I think some of our members, hopefully, in the next year or 2, will have access to to   to HSAs, you know, so to get tax benefits of that. Yeah. I'd love to be able to put bet Bitcoin into the HSA. So, you know, that would be super, super cool. Yeah. And I think some of those things are gonna happen. I'm I'm having pretty high level conversations with people in DC,   around some of these things, And I think that these are   things that they they do value and and I think will happen. So,  

[00:56:20] Unknown:

I'm I am bullish on health care here over the next, at least, couple of years. I love it. And just one more question too, and thank you for all this time you're generously donating to us. And so   does this cover things like any kind of alternative health care if people are doing the functional medicine or acupuncture   or, you know, any any of those types of things?  

[00:56:41] Unknown:

Yeah. Anything that if if you go and have a health event or an illness, you can go and resolve that   pretty much any way you want.   You know, if you wanna go,   you know, do something super woo woo, then we'll have somebody else, another we have a functional medicine doctor that we've contracted with to take a look at it and make sure it's not, like, super crazy. Right. You know, we had a guy who wanted to do a $100,000   surgery, and only one doctor on the entire planet would do it. And, you know, we took a look at that. And, you know, ultimately, the the functional doctor's like, this is not gonna work.   Funny enough, I talked to him 6 months after the the procedure because he ended up paying for it himself. And guess what?  

It didn't work.   And so, you know, it's like things like that. But, ultimately, like,   you can go to pretty much whoever you want. If you have a back issue and you, you know, you can go to the chiropractor. If you you wanna use acupuncture, you can do some of those things. And so,   yeah, dental.   Yeah. Dental,   we give you one wellness visit per year that's fully eligible.   So all the other health events have a $500. You pay the first 500   with the exception of a one wellness visit per year. And you can use that wellness visit for vision, dental,   gynecology,   primary care, pediatrics,   you know, annual labs, whatever you wanna use that for. In essence, what we wanna do is just make sure that people   can get funded for these wellness visits that they have on a on a once per year basis, and so you can use that for dental. You know, I wanna do more dental with some of the bigger procedures. It's just the the wild, wild west there. It's hard to   there's a there's an article where one guy went to 50 different doctors and basically got 50 different,   prognosis   for his dental issue.  

And it's just like and they range from, like,   it was, like, $300 to $30,000.   Yeah. It's just I can't even wrap my head around it. So I'm like, I wanna do it. I'm not sure I wanna jump into the chaos of all that, but Yeah. My heart is to to do that because I know that people struggle with some of these big dental issues.  

[00:58:43] Unknown:

Yeah. Definitely. But you're so right. Like, I've had a couple different you know,   obviously, if you're going out of the country too, if you're in Mexico or some other place, you know, the dental care is so much cheaper, and it's obviously   good too if you're going to a good place. But, yeah, I had 3 different prognosis   varying from a couple $100 to $7,000   for teeth, and I'm just like, what are you guys doing?   Yeah. It's very it it's a murky area. It's a gray area for sure. Murky.   Well, awesome. Thank you so so much, Andy. I really, really appreciate you, and I'm looking forward to,   I'm gonna check some more stuff out. It's the end of the year, and I'm like, well, maybe I'll do this instead of Come join us. Come join us. I'll you know, I know A bunch of other Bitcoiners. I'll be in the Bitcoin crew for sure.  

Yeah.   Yeah. That'll be really cool. That'll save me so much money too. Oh my gosh.   Yeah. It's nuts. I mean, it's seriously it's like you look and and then the deductible on top of everything, you know, is just nuts. And so That's crazy.   Yeah.   Well, cool. Well, thanks so much, and I really, really appreciate your time. Everybody listening, go to join crowdhealth.com,   and you can check out what Andy's up to. You can set appointments if you guys have questions with them down at the bottom and contact them and make sure you get all your questions answered. And, you know, we'll take some leaps of faith here together and build this bright new orange future. Yay. And it's red today because it's 2 days before Christmas.   Alright, Andy. Thanks so much. I hope you and your family have the best holiday ever, and, we look forward to talking to you. And if you do, if and when you get, you know, obviously, I'll be you know, I I follow you and and everything.  

If there are any updates with the HSA or stuff like regulatory stuff and you wanna, come back on and talk about it, let me know, and I'll be happy to, bring you back up.   Would love that. Merry Christmas to you. Okay. Merry Christmas. Aloha. Thanks for tuning in, everyone.