Health Share Solutions: How Carol Yeh-Garner Found a Better Alternative to PPOs

WELCOME TO EPISODE 216

EPISODE TRANSCRIPT 

Freddie Kimmel (00:01.228)
Ladies and gentlemen, welcome to the beautifully broken podcast. Today we are joined by Carol Yen Garner. Welcome to the show.

Carol Yeh-Garner (00:09.792)
Thanks. It's actually yay Garner. Like yay!

Freddie Kimmel (00:12.214)
Yay, Gardner. I didn't see the H on top of that. It's in purple. Yeah, that's even better. Yay. All right. I love it. I love it. I love it. we're, we're, we were put together by my good friend, Christine Dionisi. And I'm so excited to have this conversation around health insurance and health coverage. And man, is it needed right now in the United States and more so the

holistic wing or the holistic arm of all these complementary therapies you and I both believe in from acupuncture to chiropractic to IV drip to thermography that are typically not covered under a health insurance policy Yeah, so how did you get how did you get into why why are you into health insurance and why is it important to you in your life?

Carol Yeh-Garner (00:43.956)
guess.

Carol Yeh-Garner (00:55.776)
Right. Yeah.

Carol Yeh-Garner (01:02.016)
Yeah, well, you know, we were paying $2,300 a month for a PPO thinking like we're doing what is responsible. We're being responsible adults for our family so that when and if we have an emergency situation, we can see whoever we want. We had been paying that for... So sorry.

Freddie Kimmel (01:25.72)
No, I love it. Dogs are usually they're on point. They're like, yes, speak this. This is truth. They're just echoing what you're saying is, is, is in alignment. That's it.

Carol Yeh-Garner (01:31.584)
Yeah. Okay. Yes. They're just like, yeah, accepting that. So anyways, we're paying that crazy amount for years and years and years thinking this is what you do. Like if you can afford a PPO, we tend to see more holistic people. like if there was an emergency situation, we would be able to see whoever we wanted. And then our daughter got sick. She's 18 years old and she got strep throat.

We tried all the natural ways of dealing with it, but at a certain point I just knew like she needed antibiotics and we would just deal with the aftermath of antibiotics naturally later. So we called the pediatrician's office and they said, she hasn't been here in three years, so we can't see her. And I just was shocked. We're paying $2,300 a month.

and we can't even get in for a 10 minute appointment with a nurse practitioner because all they're gonna do is look in her throat, see that she has strep, write a prescription, they'll get paid for it and end of story. And they just, wouldn't let us come. And so we ended up having to go to urgent care, waiting at urgent care, paying for that out of pocket, then going back to the pediatrician's office to pay for a well visit so that she could get back into their system. And once that was done,

I just was livid and just so frustrated that we had been paying into the system for so long that we just got denied regular, just minimal care. And so I had heard about health shares for a while. And historically when I was looking at them, they were very religiously focused and we aren't religious. And so it didn't really match up and mesh with us. But then I found one.

that was not religiously focused and I looked into it and I just thought like, is a cool idea. Like it's a community of people that's pulling their money together and everybody else helps each other with their healthcare costs. And I thought, this is genius. Instead of me paying into a system that doesn't really want me to stay well.

Carol Yeh-Garner (03:49.898)
that doesn't want to pay for my daughter to just get an antibiotic when she really, really needs it, that's causing people to go into medical debt and just get denied for their claims. Why am I paying into that system when I can be in a system that actually wants to help people? And so I did more research and I brought this actually to the company that I work for, which is Young Living, and they said,

we are interested, here's a different company, could you talk to them, since you're already in the health share research mode, and see if this would be a good partnership. So I met with the CEO of Clearwater, which is a healthcare vendor, they've been around since 2018, they sell traditional health insurance, but they also have health shares supplemental insurances. And once we met, I was like, this is...

the company. The CEO is super holistically inclined. He's got five kids, rarely goes to the doctor, does all the holistic kinds of things that you and I do. And then the medical director is also very holistically inclined. So basically we got the green light from Young Living to create this plan, which is exclusive to Young Living members. And I knew that there had to be a holistic part of this because

it would make this plan stand alone above and beyond any other health share. So we built into the system holistic plans. There's a holistic savings plan that gives you three visits to any doctor you want to see. If you want to go see a naturopath, you can actually go and see a naturopath and get up to $150 reimbursed in cash to your bank account. Like that's unheard of. And then there's 12,

acupuncture or chiropractic visits with the holistic savings plan where you can go see any chiropractor or acupuncturist you want. You don't have to have a medical need. There's no, you they have to have this code or that code approved or anything. You can see them whenever you want. And the beauty of these visits is that you can, you end up paying $35 for the visit and you can get up to $175 reimbursed.

Carol Yeh-Garner (06:13.984)
Again, in cash, straight to your bank account. The Holistic's regular plan is the more robust one. So this is the one that we are doing. So it comes with 24 acupuncture and chiropractic visits per person, per calendar year. I get that $175 back. I'm making sure that my chiropractor and acupuncturist have wellness centers.

So I'm going and seeing my chiropractor and getting add-on services. So I'm getting a massage or a facial and she has soft wave, one of those soft wave machines. So I'm gonna do that the next time I go and see her. And I'm getting $175 back for every single visit because I'm maximizing my visit. I'm adding on so that my visitors around 210 for each visit.

When I go to the acupuncturist, I'm adding on Reiki, I'm adding on a sound bowl healing. And I get to choose what I want to do and get those huge reimbursements. The other cool things about the holistic plan is that you get one IV drip per month where you end up paying $20 and you get up to $100 back. So I'm getting a once a month IV with like glutathione and vitamins and stuff like that.

So these plans are really meant to be for the kinds of people that are proactive about their health, that are doing all these holistic services and paying a ton of money out of pocket. And it's expensive to stay healthy and to be proactive about your health. But the investment, most people that, especially that listen to your podcast, most people understand investing in your health now.

Freddie Kimmel (07:49.859)
Yeah.

Carol Yeh-Garner (07:58.822)
is a huge payoff later, right? Investing in doing these kinds of things now is going to help reduce the likelihood that you're gonna have a chronic illness, an autoimmune disease, cancer, a really big kind of disease illness later on. And that's what Clearwater really saw with these holistic plans. A lot of people are like, how are they even making money?

They're not on a person like me that actually is going, you know, twice a month or more to my chiropractor acupuncturist using all the benefits and getting the reimbursements. But in the long run, they are saving money because the likelihood that I'm going to end up with some kind of really expensive need for medical care, unless it's an emergency situation, is lower because I'm doing all the kinds of things that you and I tend to do proactively.

Freddie Kimmel (08:51.372)
Yeah. Yeah. So we have this holistic wing and I think that's, know, I've never heard of this. I've never heard of a health insurance policy or share that would cover IV therapy or IV drips, glutathione injections, biohacking technology, pulse, electromagnetic field. That's amazing. And in, in, in the same breath, I also want to understand because accidents do happen. We do have emergency medical, you know, I mean,

Carol Yeh-Garner (08:57.087)
Yeah.

Carol Yeh-Garner (09:04.639)
Mm-hmm.

Carol Yeh-Garner (09:09.149)
Yeah.

Freddie Kimmel (09:21.21)
It could be anything from a car accident to something that shows up in a scan. What happens when it's more severe? How are you covered in a health share policy?

Carol Yeh-Garner (09:30.224)
Yeah, so clear share is the health share portion of the plan. So people can sign up just for clear share standalone. They can sign up for the holistic savings or the holistic plan as a standalone plan, or they can do the combination plan, which is what we're doing. So clear share is a health share. So for those that aren't familiar with what a health share is, it's a community of people that are pulling their money together. Everybody pays a monthly fee, just like a normal insurance policy would.

This is not insurance. This is an insurance alternative. So you pay your monthly fee. That all goes into the community pool. And then you have something called an annual max, which is like a deductible. So there's a $1,000, $2,500 and a $5,000 annual max. And if you have a medical issue that you need urgent care, ER, whatever, you would end up showing your card to the hospital or urgent care. They would contact

ClearShare, they would do all the billing information, contacting, all of that. ClearShare would end up sending you a bill for your annual max and everything above the annual max would be taken out of that community pool. The cool thing about ClearShare is that you get $0 telemedicine 24-7, 365 days a year. So you can use that doctor. You'll have a doctor on your phone because you'll have an app.

and within 10 to 20 minutes of clicking, I want to see a doctor. You'll have a doctor or a nurse practitioner on the phone with you via call or even video call. They can check you out. You have a rash, you have a cut, you have a kid that got a concussion. They can do a whole concussion protocol. You you sprained your knee, you want to get an evaluation. They can do an evaluation over the phone. They can write prescriptions.

So that's gonna keep you out of the doctor's office and having to pay the copay, having to wait the hours of whatever to get in for an emergency visit or waiting in an urgent care or emergency room. And then if you do have a true emergency, you just end up paying your annual max, which is what you would normally do with a deductible. But the key thing with insurance and a deductible is that just...

Carol Yeh-Garner (11:53.076)
because you pay your deductible does not mean the rest is covered. You usually still have an 80 or 80-20 split where you are still responsible for 20 % of whatever that emergency situation is, which is why there's so many people that have medical debt. I think there's a stat that says 65 % of bankruptcies are due to medical debt and 90 % of those people had insurance.

That's like mind blowing. And so people think, insurance, it's government regulated. It's good, I'm safe, but you know, insurance doesn't mean you're gonna get the things paid for. The claims are often denied, right? And so you go through this whole whatever emergency situation only to find out like, yeah, my insurance did pay, but they only paid this much.

Freddie Kimmel (12:23.404)
Yeah, I've seen that.

Carol Yeh-Garner (12:50.866)
And now I'm left with this humongous bill. And so this kind of a plan, health sharing is just, it's flipped. They want you to get the kind of care that you deserve and that you were paying for and that you need. And they don't want to make it prohibitive for people that if they have a medical emergency or medical situation that they're then stressed out because now they have medical debt.

Freddie Kimmel (13:19.77)
Yeah, just because we have so many people that listen to the podcast with a chronic illness. There's even people going through cancer. if somebody's has a diagnosis, that's going to lead them to a longer term care is, is there a limit to how much the health share will pay out? Is there a time limit for just, I'm imagining all these different scenarios that, that, that come up, which for me, and I've actually been in a health share before I was, and I read all the.

Carol Yeh-Garner (13:25.566)
huh.

Carol Yeh-Garner (13:37.823)
Yeah.

Right.

Freddie Kimmel (13:47.916)
I read the fine print, I looked at the details and it just made me a little bit nervous, just especially given my health history.

Carol Yeh-Garner (13:52.448)
Yeah. Yeah. if you're on the clear share program and you have a pre-existing condition, there is like a five year ramp up in terms of how much is covered. if you don't have, if you haven't required treatment or hospitalization for 12 months and you get a certain capped amount and then the longer you go without treatment or hospitalization, then the more

amount is covered and then after five years of no treatment, no, like no hospitalization, then if you have a reoccurrence, it's seen as a new issue. But the really amazing thing about the holistic plan and the holistic savings plan is there is no pre-existing condition exclusions and there's no annual max for the holistic plan. So people that have insurance that may have cancer or have those long-term kind of

disease issues and they're getting the treatment through their health insurance. Keep the health insurance, but add holistic savings or the holistic plan because now you can start seeing the acupuncturist, the chiropractor, the naturopath, get the IVs and do all those kinds of things and get probably at least half or more of your out-of-pocket costs reimbursed for your visits. the holistic and holistic plan, we really wanted it to

be available for anyone. so there's no pre-existing condition exclusions, which is really wonderful because so many people, especially your listeners, they're wanting to use those kind of holistic services and, you know, alternative methods of dealing with things. And it's so cost prohibitive for a lot of people. So this is a way.

that really can just give you some more money back into your pocket so that you can maybe go see the practitioners more often or just be able to live with a little less stress in terms of your budget being so tight because you want to do all these kinds of things, but you can't really afford it. This will let you afford it.

Freddie Kimmel (16:01.324)
Yeah. Yeah. My, my other question is in terms of, again, this, this, we sign up for a primary, primary, partner organization, right? This, so there's a group and, and sometimes there's practitioners who are in network and out of network. What about choosing a practitioner? Does any of that matter on a plan that is considered a health share program?

Carol Yeh-Garner (16:13.375)
Okay.

Carol Yeh-Garner (16:25.374)
Yeah, another wonderful thing about this plan is with the ClearShare plan, there's no network. You can see whoever you want. And if you show your card to the doctor or the wellness center and they're like, what is this? You just have them call ClearShare. ClearShare will do all the explaining and education about what this plan is about. If the practitioner that you're working with is used to billing insurance companies,

They can bill ClearShare directly if this is for a ClearShare like medical emergency kind of situation. And there doesn't need to be anything between you and the person, between you and the company. But if it's for a holistic service, what you're gonna do is you're gonna pay the practitioner upfront. So the practitioners aren't at risk of like anything. They don't have to wait for anything. They get paid upfront. I get the invoice with itemized.

Freddie Kimmel (17:15.161)
Yes.

Carol Yeh-Garner (17:20.874)
things. So when I go to the chiropractor, it shows that I saw a chiropractor for an adjustment and that I got a facial or a massage or whatever. And so then I submit that invoice to clear share. There's an app on my phone that I can just upload the picture. You can also do it on the internet and within 30 days I get reimbursed. If your doctor or practitioner is sending that in, they will also get reimbursed within 30 days.

So it's not like typical health insurance where the doctors or the practitioners are writing months and months and months before they get their measly little percentage of the payment. They're getting that money. The client is, the member is, the practitioner is within 30 days.

Freddie Kimmel (18:06.554)
Yeah, amazing. That really helps, especially when funds can be tied up for a little while and you're waiting for that insurance check. I know both providers have reflected that to me that said, I'm waiting for $8,000 for the last six months of treatment. And same, same thing when I've submitted a bill and I'm waiting, waiting, waiting, or it's been contested in the past. it's so interesting. I've been, pretty much everybody I've seen in the last five years, it's, it's a precision medicine. So I actually pay to be a member.

Carol Yeh-Garner (18:11.05)
Yeah.

Carol Yeh-Garner (18:18.685)
Right.

Carol Yeh-Garner (18:23.87)
Yeah.

Freddie Kimmel (18:36.16)
of medical practice. And so I get my four lab reviews, I get access to the technology. So in a similar way, it's kind of a collective. My question for you about the health share, is there any transparency as far as what the pool looks like of funding? That would be the other thing that I just, I'd want to be sure that I was covered as far as like how much is in this pool. Cause you got to imagine, you know, if you have 30,000 people, not everybody's going to have

Carol Yeh-Garner (18:38.139)
well.

Freddie Kimmel (19:03.679)
emergency instances but it does happen

Carol Yeh-Garner (19:05.746)
Right. Yeah. There's no way to see what the pool is with ClearShare or with the whole company. I can find out about that, but the company has been around since 2018. And I do know from speaking with the CEO and the medical director, they've paid out millions and millions of dollars for health issues, people with cancer, brain surgeries, emergency, you know, all the things. they've

It's a nonprofit, so they have to make sure they're keeping their members happy. Like this company, the majority of health shares would not last if they weren't paying out what people were needing to be paid out. Because it's basically member funded. it's unlike a health insurance where everybody is paying in to a corporation and that corporation is keeping the majority of the money for themselves. This is

meant to pay out the money for the members. And like I said, if the members weren't happy, the company wouldn't exist. And so they've been around since 2018. So they're a solid company. But as of now, there's no way, I don't think, that you can see what the pool is, what the total pool is.

Freddie Kimmel (20:17.348)
Amazing.

Freddie Kimmel (20:24.762)
I want, might be wrong, but I want to say that was a feature on the one that, that I was looking at. And it was like this massive sum of money. was like, my goodness, we'll never go through that. And it, and it showed you how many members were enrolled. And so you sorta had a, you sorta had a warm fuzzy feeling that you were going to be covered. It's just such an interesting way. And it's obviously, it's totally different than the standard model. you know, the, other thing that, that just really, comes up for me is that when people are,

Carol Yeh-Garner (20:28.808)
Yeah.

huh.

Carol Yeh-Garner (20:46.143)
Yes.

Freddie Kimmel (20:54.554)
looking at again, a standard pricing model, let's just say Blue Cross, Blue Shield. I think just for me in Texas, was $890 for a single 46-year-old guy. You said what was your family paying above $2,300 a month?

Carol Yeh-Garner (21:12.192)
So we were paying $2,300 a month with a $7,000 deductible per person. And then they sent us a letter saying, by the way, we're increasing your premium to $500 a month. So it would have been $2,800 total with that $7,000 deductible per person. I am 55 and we are paying 940 a month. And then.

Freddie Kimmel (21:18.061)
Okay.

Freddie Kimmel (21:36.911)
Wow.

Carol Yeh-Garner (21:37.44)
because I'm seeing the chiropractor, the acupuncturist getting my IV, my husband gets an IV as well. With all of those reimbursements, we're getting around $600, $700 back a month for our holistic services. So 940 plus getting back $600 to $700 of services that I probably wouldn't have done, honestly, because I don't have an extra $600 or $700 to put towards

seeing the chiropractor and acupuncturist twice a month or whatever and getting the massages, I would have done like the bare minimum. I had actually been holding back on seeing those practitioners just because of the budget. But now that I know that I can get up to $175 and I'm only paying $35 for that visit, I'm like, game on, here I come. I'm gonna see my holistic practitioners as much as possible and get all those things done that I've

Freddie Kimmel (22:13.934)
Mm-hmm.

Carol Yeh-Garner (22:36.116)
you know, had in the back of my mind, but budget wise and just life being a mom and all of that gets in the way. But now that I know that I have this plan, I'm ready to use it and reap the benefits.

Freddie Kimmel (22:50.744)
Yeah, it's a really great option, especially when you consider, and that's for your whole family. That's wild, and that's your emergency medicine, that's the holistic healthcare, you guys are covered across the board if anything happens.

Carol Yeh-Garner (22:56.19)
That's for my whole family, family of four. And yeah.

Carol Yeh-Garner (23:03.774)
Yep.

Carol Yeh-Garner (23:07.249)
Yeah, and there's no limit to how many kids you have. So you could have, you know, 10, 15 kids and it's the same price. And then there's, they cover kids up to the age of 26, as long as they're unmarried and they're, they don't even have to live with you. So that's really, really nice. There's also this other thing called care coordination that is part of the clear share plan. That's a perk that I've

Also, I've never heard of anything like this. So it's for planned medical procedures. So if you have an x-ray or a lab MRI, biopsy or surgery, a planned kind of thing like that, or if you have specific diagnoses, like you get diagnosed with cancer, you can contact the care coordination team. They will do the research to find the best practitioner in your area with the best price and the best kinds of outcomes. And if you use the

their recommended practitioner, the entire thing is free and your annual max is completely waived. So if you knew you had to go get a knee surgery, this is like a new knee thing that you started this plan with, it wasn't before, and you had this knee thing and it was bothering you and you needed to get knee surgery, what ClearShare would do, what the care coordination team would do is they would likely recommend that you go see, get your surgery at a surgery center.

Freddie Kimmel (24:18.414)
Mm-hmm.

Carol Yeh-Garner (24:34.772)
versus a hospital. And the reason being is surgery centers have better outcomes. There's a better staff to patient ratio. It's much smaller. So you're get better care, which leads to better outcomes. But for ClearShare, because a surgery center costs way less than a hospital, they're saving maybe 20, 30, maybe even $40,000 by you choosing to go through the surgery center that they recommend. And because you're gonna save them such a massive amount of money,

They're like, okay, we'll just pay for the whole thing for free and waive your annual max. So if you have the clear share plan, you've got that $0 telemedicine, which basically is your doctor in your pocket, your urgent care in your pocket, then you can use the care coordination for your non-emergency medical things. So really like the only time you're going to pay towards your annual max is if you have a true medical emergency, which for most people is going to be pretty rare.

Freddie Kimmel (25:35.386)
Yeah. And again, it's just my bias is I want everybody to be covered. I know I have friends that they are very healthy and they opt out of having a policy and it's just the world we live in. I know too many people that that's gone south on and it can quickly lead to bankruptcy. So it's just so important that even though it's an imperfect system that we do find some alternative. I had just mentioned this to my friend.

Carol Yeh-Garner (25:46.549)
Yeah.

Freddie Kimmel (26:04.442)
She is in the middle of treatment for breast cancer and she just got dropped from her policy because I can't remember the reason it's terrible. know, whatever they had met their max as far as like what they could pay for per employee and because she was not working from the office anyways, terrible. she's, you know, in her last two rounds of chemotherapy and flying for this very special,

Carol Yeh-Garner (26:10.922)
Ugh.

Freddie Kimmel (26:31.062)
unique way of delivering the chemo. And so she's paying the last two rounds out of pocket. Obviously for her, this is a, this would be a preexisting condition where it would probably be capped to some degree. but it's, it's just, again, I use that as an example, because you really, you do want to have a provider who, you know, again, is not going to drop you when shit goes sideways. And that happens all the time.

Carol Yeh-Garner (26:35.52)
Bye.

Carol Yeh-Garner (26:42.602)
Yeah.

Carol Yeh-Garner (26:52.692)
Right. Exactly. All the time. Yeah. Yeah.

Freddie Kimmel (26:57.47)
all the time. You could be paying and you could be a good standing and you could all of sudden they're like, we're just going to stop because we feel like it. So I think that's another thing that's really interesting. I'm certainly ready to do some more research around this. Again, I've looked at health shares before. It's really, it's great timing, right? Cause we're coming up to the marketplace is opening. We're doing open enrollment soon, right?

Carol Yeh-Garner (27:04.72)
Right.

Carol Yeh-Garner (27:15.295)
Yeah.

Right. Yes. Yep. Starting November 1st.

Freddie Kimmel (27:21.688)
Starting November 1st. So people you have options. That's what I'd say. If anybody hears this to certainly explore where's the best place Carol for people to start doing their research and really drill down on the details of these policies.

Carol Yeh-Garner (27:35.488)
Yeah, they can go to the Young Living website. It's just www.youngliving.com and just kind of scroll down, find the banner about health plans, click explore plans and that can take you to where you need to go. these plans are exclusive to Young Living members only. So the cool thing is you can become a Young Living member for free. You just create an account.

that creates your member number. And then once you have your member number, you can sign up and enroll on any of the health plan options that you want. They do have additional options. If you want dental and vision, you can add those on. those are, there's no network for those either. So you can go and see a holistic biological dentist and you just have a capped amount for those. And then the...

Other really cool thing is if you are a practitioner, a holistic practitioner, or you have a small business, or you have, you you have a small business with a couple of employees, you can sign up to be a Young Living Brand Partner, which is a business person. You can share these plans with the clients that come to your wellness center or your employees. They would sign up on their own. They would pay for it.

but you have another income stream then because you can earn a little bit of commission from sharing about this plan. Yeah.

Freddie Kimmel (28:58.497)
interesting.

Freddie Kimmel (29:02.592)
Interesting. Yeah. I mean, it's interesting to be able to, because there's so many people that are in the space of holistic health. Oftentimes they are, they're, they're bypassing the insurance, not doing insurance, but they will go out and pay for their acupuncture or chiropractor or, know, they'll, they'll go to their local, their upgrade labs and they'll lay in the red light beds and do the hypoxic breathing machine. So it'd be interesting to have a business actually offering a policy, which then they could turn around and use.

Carol Yeh-Garner (29:22.238)
Yeah, right.

No.

Carol Yeh-Garner (29:31.358)
Right, yeah, exactly.

Freddie Kimmel (29:32.09)
for reimbursement at the center. Yeah, it's really, really interesting. Yeah, my brain is always, you it's hard not to focus on how broken it is, but when I hear about things like this and an innovative way to try to deliver the same care and cover someone in emergency medicine, it's really inspiring. I certainly know it has to change because the incentive model is not to keep people well, and it sounds like this is slanting in that direction at least.

Carol Yeh-Garner (29:38.643)
Hahaha

huh.

Carol Yeh-Garner (29:53.503)
Yes.

Carol Yeh-Garner (29:59.506)
Mm-hmm. Yeah, I've done some research. There's no holistic plans like this out there. There are some health shares that do offer some chiropractic, some acupuncture. There are even some insurance plans that will cover some chiropractic and acupuncture. But the caveat with those is it does have to have a medical need. Like you have to have an injury and then you have only a certain number of appointments. It's capped once you hit those.

the practitioner either has to like make up a new diagnosis for you or you're basically, you know, out of luck in terms of getting it covered. So this is the most comprehensive, the thermography, we really wanted to put that in there as an option for women. You can get one thermography per year and you end up paying the first 150 and the rest is covered. we've really...

Freddie Kimmel (30:31.972)
Mm-hmm.

Carol Yeh-Garner (30:55.424)
put this plan together, you can also get Young Living oils and supplements up to $75 a month reimbursed. So yeah, I know. for us, we're getting $900 worth of supplements or oils reimbursed for our family. So it's a win-win-win for us, for the health share company, and then anybody who is in the wellness field.

Freddie Kimmel (31:03.812)
wow, that's incredible!

Carol Yeh-Garner (31:23.794)
This is a plan to really look into, especially if you own a center or are a doctor or have a small business that you know your employees prefer more holistically inclined kind of services.

Freddie Kimmel (31:40.474)
Yeah, it's beautiful. There's a, it's so funny. There's a, friend, his wife is a young living rep out in Maui. And I know they really, they really go above and beyond to take care of their employees. Honu, which they just escaped the fire last year. Their, restaurant was saved in there. They are, they are serving again, but they, know, he goes above and beyond to, he built, he had built a biohacking center for his whole, everybody that worked at the restaurant. So, and I,

Carol Yeh-Garner (31:49.26)
huh.

Carol Yeh-Garner (31:54.729)
Yeah.

Mm. Yeah.

Carol Yeh-Garner (32:06.144)
you

huh.

Freddie Kimmel (32:09.44)
I imagine, I imagine, are all the reps and people who work with Young Living, are they aware of this, that this is being launched and going out?

Carol Yeh-Garner (32:17.792)
I think they are. So this plan just got launched in March. went live in March. Young Living and Clearwater, partnered in February and I had been working on this plan prior to that. so yeah, it officially launched in March. Depending on how active a Young Living member is, they might not know that this even exists. So there's a huge opportunity for Young Living members. If you're a Young Living member, you already have a member number, you can sign up.

Freddie Kimmel (32:23.789)
Okay.

Freddie Kimmel (32:28.505)
Okay.

Freddie Kimmel (32:39.354)
Yeah.

Carol Yeh-Garner (32:47.684)
and start reaping the benefits of these plans. And if you're not a Young Living member, it's super easy to sign up. It takes maybe less than a minute to create that account to get the member number. And once you have a member number, you're good to go.

Freddie Kimmel (33:02.296)
Yeah. I love the whole, I love the energy behind the action. love the idea of investing on the front end. We're going to pay it on the front end or the back end. So invest in your health. It's much easier to, keep the body, keep the terrain robust than it is to reverse when it's become, severely deficient in nutrients and minerals and energy and all those things that we talk about on all the shows. And it sounds like it's pretty simple to explore and start digging in and

Carol Yeh-Garner (33:10.189)
Yeah, exactly.

Carol Yeh-Garner (33:23.218)
Mm-hmm. Yeah.

Freddie Kimmel (33:29.682)
doing a little exploration and seeing if this is a good fit for you and your family. know that there is, I've never heard of a cost offering at that price point in my life. So yeah, I'm, certainly going to be looking at it. I know, I know what I spent on health insurance and I know what I spent on complimentary medicine a year. It's, it's a lot of money. Yeah. Amazing. Amazing. Well, thank you for being a guest. Thank you for delivering all this so clearly. And again, I, I'm

Carol Yeh-Garner (33:39.006)
Right? Yeah.

Carol Yeh-Garner (33:46.644)
Mm-hmm. Yeah, it's a lot. Yes. Yeah. Yeah. So. Thank you.

Freddie Kimmel (33:58.714)
I've been meaning to bring this into the conversation. like, okay, what, where, what do we do when the rubber meets the road? Do you have to come up with some of these services that are so essential to maintain robust health? And this certainly sounds like a great option out there.

Carol Yeh-Garner (34:14.624)
Yeah, thanks for having me. I'm excited to share about it and look forward to having your listeners learn more and get on this plan because it's really, really fantastic. It's a fantastic way to be proactive about your health.

Freddie Kimmel (34:26.553)
Yeah.

Yeah. High value, short, sweet to the point. We love it. Carol, what, you know, in your, your experience of really investing in your health and your vitality, what are some of the things that have been most transformational as far as lifestyle changes that you've incorporated into your life or that of your families?

Carol Yeh-Garner (34:52.638)
Yeah, I mean, so many things. Obviously the complementary alternative medicine, chiropractic, acupuncture, IV drips for myself. We've switched our entire medicine cabinet out to natural remedies. so I've done my best as a mom to drill into my kids, like things with artificial dyes and things with, you know, phthalates and parabens and those kinds of things are not healthy for

for them and for their fertility in the future and for their long-term health. You know, I've done all the things, gotten rid of fluoride. We have a whole house water filtration system with a fluoride filter. We do red light, we do cold cryotherapy and I'm willing to try any weird woo woo-y kind of thing. And as...

Freddie Kimmel (35:44.962)
Hahaha.

Carol Yeh-Garner (35:47.71)
you know, former client of Christine, she's had me do a lot of weird woo woo kind of things. And I've done them green light. Yep. I'll give everything a try and see what works. And I'm always looking for those modalities that can just make life better, help us be healthier overall, help our mood be better. So I'm always looking for the newest latest kinds of trends of biohacking kind of things.

Freddie Kimmel (36:18.202)
Beautiful, beautiful. Well, we'll probably be talking about this again in the future. This sounds like it's probably gonna be a tsunami of support for our country right now who really needs quality care. And until that time, be well. Big love, yes.

Carol Yeh-Garner (36:25.47)
Hahaha

Carol Yeh-Garner (36:29.631)
Yeah. Thank you. Thanks. Thanks.