Friends With Your Benefits | John Coleman
Friends With Your Benefits | John Coleman
  • 144
  • 284 818
Airpods : Clinical Grade Hearing Aid?
With the new IOS 18.1 update, Apple has made the Airpod Pro 2 a clinical grade health aid. In this video, we will go through how Apple Airpod Pro promote hearing health.
We discuss the following:
1. How to access the hearing test.
2. What my actual hearing loss is
3. How apple adjusts the hearing results to help you hear better
4. Who this new feature is for
5. What I thought of the overall experience
Переглядів: 181

Відео

NJ FLI | Everything you need to know
Переглядів 12214 днів тому
In this video, we review how NJ FLI ( New Jersey Family Leave Insurance ) works. We go over the following: 1. What the benefit is 2. Who is eligible 3. How it applies to grandparents 4. How to complete the application Want more? Subscribe and comment for more content like this in the future
FSA vs HSA | Which One Is right for you?
Переглядів 135Місяць тому
In FSA vs HSA you'll learn what is a flexible spending account compared to an HSA. Both are employee benefits that many employers offer. The video reviews the following: Tax Savings Difference Account Ownership Requirements to have an FSA or HSA Investment Options Want more? Subscribe and like the video for additional content like this in the future. #HSA #FSA
Accident Insurance | Know This Before You Buy
Переглядів 154Місяць тому
Accident Insurance | Know This Before You Buy In this video, we review the following: 1. What an Accident Insurance Policy is 2. Whether Preexisting conditions apply 3. How the product is HSA compliant 4. How to navigate the MetLife website for accident benefits 5. Why you may wish to consider this policy if you have children Have you considered enrolling in accident #insurance?
Zepbound: How to get it for $399
Переглядів 2982 місяці тому
Zepbound is the latest weight drug to hit the market but it is expensive. If you don't have insurance, it can cost you $1,200 / month. In this video, we show you how to get Zepbound for $399 / month if you get the medication through Eli Lilly Direct. For Employers, we will discuss how to take advantage of this price through a weight loss HRA. Make sure to like this video and subscribe for more ...
Garner Health: Lowering Healthcare costs without cost shifting
Переглядів 2322 місяці тому
Nick Reber, CEO and founder of Garner Health joins us to discuss how Garner Health reduces healthcare costs without cost shifting. In this video we discuss the following: 1. Nick's journey in founding Garner 2. What Nick believes is the top problem facing the US healthcare system 3. Why Nick believes that Garner offers a a better way to engage employees in high-quality care 4. How Garner's Heal...
Medicare Part D Creditable Coverage | Is my plan compliant?
Переглядів 2463 місяці тому
With big changes coming to Medicare Part D for 2025, many employers are concerned whether their prescription drugs provide creditable coverage In this video, we review the following: 1. What is Medicare Part D Creditable Coverage 2. What is the penalty to employees for delaying their Medicare Part D election? 3. How to know if an HDHP HSA plan is Creditable for Medicare Part D purposes? Want mo...
Point Of Sale Rebates | How they save members money
Переглядів 283 місяці тому
In this video, we will review the following: 1. What is an Rx Rebate? 2. How plan receive Rx rebates 3. Why rebates are applied on a lagged basis 4. How much rebates plan typically receive 5. How traditional rebates compare to Point of Sale Rebates 6. How Point of Sale rebates help members in H.S.A. plans 7. Why P.O.S. Rebates aren't as expensive as you think Want more? Like the video and subsc...
finHealth | Stop Claim Errors Before they happen
Переглядів 1113 місяці тому
Chris Chan, Chief Value Officer from FinHealth joins us to discuss how egregious billing and claim payment errors are driving up the cost of health insurance. In this video we review the following: 1. Examples of over billing and claim errors for employer sponsored health plans 2. How the CAA is forcing employers to ensure that all claim payments are accurate. 3. How FinHealth helps employers p...
Protecting Hearts and Budgets: GLP1s and CVD with Hello Heart
Переглядів 1474 місяці тому
Jenn Roberts from Hello Heart is back and joins us to give an overview on how GLP-1s are going to impact budgets for employers. In the video, we discuss the following: 1. What is cardiodiabesity 2. Why employers may need to cover GLP-1 weight loss medications in the near future 3. How Hello Heart provides coaching to help with weight loss that can help reduce the risk of cardiovascular disease ...
PBM Pricing Not HSA Friendly?
Переглядів 1224 місяці тому
Does PBM spread pricing hurt employees in HDHP or HSA plans? In this video, we review how drug pricing works. We review the following: 1. What Spread Pricing is in traditional Pharmacy Benefits Manager pricing 2. What is pass through pricing? 3. What is true cost or acquisition and cost plus pricing? 4. How transparency is defined with PBM pricing? 5. Which plan design features you can put in y...
2025 HSA and HDHP Limits: Expert Advice and Strategies for Maximizing Your Benefits
Переглядів 5065 місяців тому
2025 HSA and HDHP Limits: Expert Advice and Strategies for Maximizing Your Benefits
The Sage Collective: Integrating psychedelic-assisted therapy into the healthcare ecosystem
Переглядів 1545 місяців тому
The Sage Collective: Integrating psychedelic-assisted therapy into the healthcare ecosystem
Introducing Enthea: Why Ketamine Therapy is going mainstream
Переглядів 1646 місяців тому
Introducing Enthea: Why Ketamine Therapy is going mainstream
How Amazon Pharmacy saved me $2,000 on my Prescription Drugs
Переглядів 2,2 тис.6 місяців тому
How Amazon Pharmacy saved me $2,000 on my Prescription Drugs
Transforming Organizations with Family Building Benefits: Introducing Stork Club
Переглядів 6847 місяців тому
Transforming Organizations with Family Building Benefits: Introducing Stork Club
What to look for in a therapist
Переглядів 8337 місяців тому
What to look for in a therapist
How DAW Penalties Save money
Переглядів 728 місяців тому
How DAW Penalties Save money
How to save money on GLP1 weight loss medications : Forma HRA
Переглядів 1928 місяців тому
How to save money on GLP1 weight loss medications : Forma HRA
National Nutrition Month: Blueberries Caterpillars
Переглядів 469 місяців тому
National Nutrition Month: Blueberries Caterpillars
Quality Healthcare for Less? Carrum Health
Переглядів 1,4 тис.9 місяців тому
Quality Healthcare for Less? Carrum Health
How to save $7,300 on Zepbound
Переглядів 1,3 тис.10 місяців тому
How to save $7,300 on Zepbound
How to Maximize Your FSA Benefit on Amazon
Переглядів 1 тис.10 місяців тому
How to Maximize Your FSA Benefit on Amazon
Your Guide to Filing an Out-of-Network Claim: What You Need to Know
Переглядів 14410 місяців тому
Your Guide to Filing an Out-of-Network Claim: What You Need to Know
Sword Health: One Year Later Does it work?
Переглядів 3,5 тис.11 місяців тому
Sword Health: One Year Later Does it work?
Save Big on Prescriptions with Walgreens Rx Savings Finder
Переглядів 89011 місяців тому
Save Big on Prescriptions with Walgreens Rx Savings Finder
Pet Insurance | What do if you have a claim
Переглядів 1,5 тис.11 місяців тому
Pet Insurance | What do if you have a claim
What You Can Expect from your stop loss renewal (2024 Edition)
Переглядів 142Рік тому
What You Can Expect from your stop loss renewal (2024 Edition)
Student Loans Are Coming Back... Now What?
Переглядів 951Рік тому
Student Loans Are Coming Back... Now What?
What is a True Family Deductible?
Переглядів 439Рік тому
What is a True Family Deductible?

КОМЕНТАРІ

  • @davidrussell2239
    @davidrussell2239 23 години тому

    My COBRA for FAmily is $1800/mo. And that is with HSA/High deductable coverage with Aetna. Anyone with options/ideas??

  • @ricklevitt2650
    @ricklevitt2650 3 дні тому

    Yes ran test mostly deaf in one ear and mild lose in other ear. Use in 1 ear only.They are amazing!

  • @stardrive8561
    @stardrive8561 4 дні тому

    VSP don't provide member number. Instead VSP asking members to provide their SSN, Home address, telephone number, employment details, family member details, DOB, and so on to access any service from any facility. This facilitates easy to hackers to seal private information and easy for identity theft.

  • @mdrakibhasan360
    @mdrakibhasan360 7 днів тому

    thank you for sharing sir

  • @HighCrest1
    @HighCrest1 8 днів тому

    Who knew that the Apple Airpods could serve as hearing aids

    • @ricklevitt2650
      @ricklevitt2650 День тому

      @@HighCrest1 actually been waiting for years. Hearing aids generally are so ugly!

  • @marionvan1907
    @marionvan1907 11 днів тому

    But the fees are also retroactive? I decided to stay with Cobra and take 2 months. When I make my election do I Have to pay 3 months? 1 m and the other 2 as retroactive?

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 7 днів тому

      Yes- all premiums goes retroactive back to the first eligibility date for COBRA

  • @mdrakibhasan360
    @mdrakibhasan360 20 днів тому

    Excited to get all the details on NJ FLI-thanks for breaking it down!

  • @tdtorrence
    @tdtorrence 20 днів тому

    Wonderful job job explaining NJ Paid Family Leave and how company pay offsets work!! ❤Congratulations on the new addition!

  • @HighCrest1
    @HighCrest1 20 днів тому

    Great overview on NJ Paid Family Leave

  • @mdrakibhasan360
    @mdrakibhasan360 23 дні тому

    Such a helpful breakdown-can't wait to learn the key differences between FSA and HSA to make the right choice!

  • @JuanGarcia-hr8ks
    @JuanGarcia-hr8ks 23 дні тому

    Why would I ever want to pay my 1000 dollars deductible to my insurance to cover my 50 dollars per month medication. Make no sense to me😂.

  • @d0nt-rump202
    @d0nt-rump202 26 днів тому

    you said nothing

  • @Isabell520
    @Isabell520 Місяць тому

    I use My sons card but at checkout I can not highlight the card It only highlights My debit card Does anyone know why?

  • @sunsetatshabooms4558
    @sunsetatshabooms4558 Місяць тому

    Is it free shipping

  • @HighCrest1
    @HighCrest1 Місяць тому

    very helpful on accident insurance!

  • @hotrodsonly9148
    @hotrodsonly9148 Місяць тому

    Hello heart BP machine won't work it only says OPN>❤️. Won't do anything. Called 1-800 #, no help. Do we have a non functional machine?

    • @FriendswithyourBenefits
      @FriendswithyourBenefits Місяць тому

      Hi, I recommend asking for a replacement blood pressure monitor if it is still not working

  • @ev9440
    @ev9440 Місяць тому

    Benefit History for ERIC VALENZUELA View Payments Total Due Due Amount $62.66 Anthem Vision Plan Coverage Status COBRA Participant Coverage Tier Employee Only - Single Covered Members ERIC Current Due Date 07/18/2024 Current Amount Due $15.74 Next Due Date 08/01/2024 Next Amount Due $6.42 Paid Through Date 07/17/2024 Dates Detail Delta Dental Plan Coverage Status COBRA Participant Coverage Tier Employee Only - Single Covered Members ERIC Current Due Date 07/18/2024 Current Amount Due $46.92 Next Due Date 08/01/2024 Next Amount Due $19.14 Paid Through Date 07/17/2024 Dates Detail Payments Dates for Delta Dental Plan - ERIC Event Description Date Last Day of Plan Coverage (Due to COBRA) 07/17/2024 Termination of Employment 07/17/2024 COBRA started 07/18/2024 Notified of Qualifying Event 07/29/2024 Send COBRA Election Form 07/30/2024 COBRA accepted 09/14/2024 Approve myRSC COBRA Election 09/16/2024 Send Coupon Book 09/18/2024 Last Day To Accept COBRA 09/28/2024 COBRA Expires 01/17/2026 I am confused about the billing is it weekly and if I sign up on 9/14/2024 which is late in the year when do i have a second chance to make changes, i put down dental and vision but now am feel like I don't want vision even thou i sign up, based on top what's my premium to date, i was confused on how much i had to pay so i sent 26.00 payment, will that lower Due Amount or they require full payment, asking cause there close on Friday

  • @mdrakibhasan-j1n
    @mdrakibhasan-j1n Місяць тому

    Zepbound at $399 is an incredible deal! Do you think it’s the best value for its features?

  • @sandrawilliams5010
    @sandrawilliams5010 Місяць тому

    I have tried signing up on this site but get hung up on the shipping page and can not move forward. Tried emailing the company but only receive email stating to keep prices low they can not respond and to look at FAQ page. Do you know any solutions?

    • @FriendswithyourBenefits
      @FriendswithyourBenefits Місяць тому

      Hi Sandra have your doctor ship your medication directly to Cost Plus Drugs. Your doctor can e-prescribe to Mark Cuban Cost Plus Drug Company

  • @black_n5492
    @black_n5492 2 місяці тому

    Issues Europeans don't have to deal with. Go rugged individualism!! Go 'Merica. 900-1800 for coverage after paying so many years into insurance 🤣

  • @JewelsNcrime
    @JewelsNcrime 2 місяці тому

    Only use the coupon if it makes sense, remember opting out billing your insurance means the price you pay from good RX doesn't go towards your deductible. Example if it's 200 dollars through your insurance that payment will go towards your deductible. So just make sure it makes sense and it's beneficial when using any coupon or discount. Keep in mind when opting out billing your insurance that means your insurance is not aware of any new medications added to your treatment plan. Though pharmacies have sophisticated software to catch any drug interactions also billing the insurance is another way of catching any errors, quality issues, drug interactions, duplicate therapy and so on. Your doctor, pharmacy and insurance collaborate with each other, good RX is not part of your health care team. They simply gather all your data for an exchange of a discount and who knows what they do with it after that.

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 2 місяці тому

      Great example and excellent point. One additional thing to consider. Since this video was published, several of the PBMs have developed partnership with GoodRx where the member automatically gets the lower of the GoodRx price or the PBM price. In that case, the cost will count towards the deductible.

  • @mdrakibhasan-j1n
    @mdrakibhasan-j1n 3 місяці тому

    Wondering if your plan meets Medicare Part D Creditable Coverage standards? It's essential to ensure your prescription drug coverage is compliant to avoid penalties down the road. Let's dive into the details and find out if your plan makes the grade!

  • @jodyhoward8480
    @jodyhoward8480 3 місяці тому

    Nationwide is cancelling 100,000 pet insurance policies.

  • @jennicaossi9905
    @jennicaossi9905 3 місяці тому

    very informative

  • @wj5442
    @wj5442 3 місяці тому

    I just watched your other video about the set up. I wondered if you stuck with it. I’m glad it worked for you :)

  • @janetuva5405
    @janetuva5405 3 місяці тому

    I received the option to use this from my insurance for neck pain and lower back pain wondered if it was a good option to try or not

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 3 місяці тому

      In my opinion, it is worth trying as there is no cost to you for using Sword. To see results, you do need to commit to using it 3x a week.

  • @vijaymisra1833
    @vijaymisra1833 3 місяці тому

    I'm 65, currently working and now eligible for Medicare, Currently I have HMO through Kaiser for me and my family. If my company downsize, I can go to Medicare, but can I avail Cobra only for my family that includes my wife and 21 year old son but not me? 2nd question is If my company does not offer CObra for my family only, I have to take Cobra, but to avoid penalties do I Still need to take Medicare, since Cobra is not considered a valid Insurance coverage for Medicare purpose? What will be other options for my family other than Cobra, will it be cheaper?

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 3 місяці тому

      Your family can elect COBRA (without you) as they are considered qualified beneficiaries. A common example is when a dependent child ages off the plan when they turn 26 and wish to continue with COBRA. For Medicare, if you retire and take COBRA but not Medicare, you may be subject to enrollment penalties. If you continue to work for an employer that offers health insurance, you will have a special enrollment period to get Medicare penalty free.

  • @jessicaossi
    @jessicaossi 3 місяці тому

    Feel better

  • @hardeekpatel2236
    @hardeekpatel2236 3 місяці тому

    Does your Deductible/Out of Pocket Max reset to Zero or does the amount you have contributed continue after signing up for COBRA?

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 3 місяці тому

      No reset until the end of the calendar year. So if you take Cobra in August, it won’t reset until January.

  • @matt-fy5ko
    @matt-fy5ko 3 місяці тому

    20 to 39 days is absolutely wrong i submitted my dog's claim June 2nd and I'm still waiting for them to process the claim that'll be 2 months waiting

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 3 місяці тому

      Thanks for the information. It is possible that they are pending the claim until they get additional information from your vet.

  • @donnahamilton253
    @donnahamilton253 3 місяці тому

    I’m having a lot of trouble figuring out how to use the crazy device. Now they have it on a wrist watch which probably a lot easier than a tablet.

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 3 місяці тому

      Check out out our first video which goes over how to set up the Sword. Happy to answer any additional questions. Sword Health | Unboxing and Demo ua-cam.com/video/0jwDt-LnXBU/v-deo.html

  • @HighCrest1
    @HighCrest1 3 місяці тому

    Thanks for sharing all the eye opening example of claim payment errors. They must have an impact on health insurance premiums.

  • @puckdrop1
    @puckdrop1 3 місяці тому

    Can i stay on cobra even if I've gotten a new job that offers insurance?

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 3 місяці тому

      Yes- you can stay on Cobra for generally up to 18 months. If you stay on Cobra, just make sure you don’t miss open enrollment at your new employer, if they offer health insurance.

  • @ekaterinasukhanova4321
    @ekaterinasukhanova4321 4 місяці тому

    Thank you for the video! Very insightful and great quality.

  • @christopherfernandes1941
    @christopherfernandes1941 4 місяці тому

    Hi John, really cool video - I´m researching the Sword Product Catalog. Nt sure if you still have access to the app, but did you ever give the Academy feature a go? if yes, what stood out? if no, why not?

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 4 місяці тому

      Hi Chris- thanks for checking out the video. I don’t haven’t access to the app anymore but do remember that the app had articles and videos on supporting back health. They also had a series on golf mobility exercises which I felt was a good bonus.

  • @dnak08
    @dnak08 4 місяці тому

    My cobra option came and it allows me to select the parts I’d like to keep. Medical plan is pricey, but dental and vision isn’t too bad. Might just take it to avoid the hassle of having to switch everything.

  • @kraichellecurren7892
    @kraichellecurren7892 4 місяці тому

    Not sure if I need to rewatch but I’m looking to hear how to screen a therapist prior to committing. It’s a toll to start only to discover it’s not a good fit.

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 4 місяці тому

      From Raquel DeLuccia: To make sure they do the modality you want and are trauma informed, read their bio- but also it’s about the energy often times- which some won’t know until they have an intake appt .

    • @kraichellecurren7892
      @kraichellecurren7892 4 місяці тому

      @@FriendswithyourBenefits Great suggestion!! Thanks so much.

  • @kendracompton6976
    @kendracompton6976 4 місяці тому

    My insurance covers zepbound, but i only got like $100 off 😢 i would've love it if i only had to pay $25

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 4 місяці тому

      Ugh that’s stinks. Send Eli Lily an email and see if they can offer any additional financial assistance. They will want to know what your deductible is but they may be able to help outside of their standard program.

  • @HighCrest1
    @HighCrest1 4 місяці тому

    Very helpful explanation on PBM spread pricing

  • @strongestdirector6137
    @strongestdirector6137 4 місяці тому

    Thanks for the video, I have Metlife accident insurance and I just injured my shoulder and will probably need about $1000 of physical therapy and I wanted to see if the accident insurance will actually reimburse me for my injury

  • @amysmallwood50
    @amysmallwood50 5 місяців тому

    Your info and the way you explained it was so refreshing! You helped me connect the dots and answered all of my remaining questions. I immediately subscribed to your channel after watching g your video. Thank you!

  • @petyai1348
    @petyai1348 5 місяців тому

    Under insurance plan I had last year, I didn’t have to pay anything for my monthly medication. The price said $800. This year my insurance plan changed and new insurance doesn’t cover my medication. So, the pharmacy used hippo and charged me $80. So, why would insurance cover $800 price? I’m sure they know this medication is available for $80. What am I missing?

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 5 місяців тому

      A lot this has to deal with a concept called “spread pricing” The PBM makes revenue off of claims “spread”, which is the difference between the price the PBM pays the pharmacy and the price it charges the client. Let’s give an example, let’s say the deal between the PBM and the pharmacy for generic medication is $40. In that example, the PBM pays the pharmacy $40 but may charge the plan or the employee $50, making a $10 profit or spread on the medication. Because of this, there are arbitrage opportunities through GoodRx and others that have the costs significantly lower than through insurance. When it comes to pharmacy pricing, many times cash is the best rate, particularly for generics.

    • @petyai1348
      @petyai1348 5 місяців тому

      @@FriendswithyourBenefits 90% arbitrage opportunity??! And insurance cos are ok with it? There is absolutely no way to lower prices through insurance??

  • @mdrakibhasan360
    @mdrakibhasan360 5 місяців тому

    Exciting initiative! Integrating psychedelic-assisted therapy could revolutionize mental health treatment. Looking forward to seeing the impact of The Sage Collective's work.

  • @mdrakibhasan360
    @mdrakibhasan360 5 місяців тому

    I'm excited to see Enthea bringing ketamine therapy into the spotlight! It's amazing to think about the potential this treatment has to transform mental health care for so many people. Looking forward to learning more about how it works and why it's becoming so popular.

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 3 місяці тому

      Thanks for checking out our video on Enthea and the future of ketamine therapy.

    • @mdrakibhasan360
      @mdrakibhasan360 3 місяці тому

      @@FriendswithyourBenefits welcome

  • @Breda-bx8eb
    @Breda-bx8eb 5 місяців тому

    Thank you for this. First time with a prescription and it is all so crazy price wise and the fact that when I find a deal it changes for the following month... so frustrating and such a waste of time for my doctor to have to help over and over with transfers. Need to figure this out.

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 5 місяців тому

      I wish transferring prescriptions was easier but you are either at the mercy of the pharmacy you are looking to change from or need to get your doctor to write a new script.

    • @davidc8518
      @davidc8518 4 місяці тому

      My local pharmacy closed and the nearest one is 20 miles away. I can't afford a prime membership

  • @margitkremer5799
    @margitkremer5799 5 місяців тому

    What cobra? Iost my insurance when my company downsized me. My insurance coverage ended on March 31st. They never sent me my mnotice to right to Cobra coverage. I just reported them to the Department of Labor. I am disgusted

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 5 місяців тому

      So sorry to hear. Per HHS “An employer that is subject to COBRA requirements is required to notify its group health plan administrator within 30 days after an employee’s employment is terminated, or employment hours are reduced. Within 14 days of that notification, the plan administrator is required to notify the individual of his or her COBRA rights. If the employer also is the plan administrator and issues COBRA notices directly, the employer has the entire 44-day period in which to issue a COBRA election notice.”

  • @LargoGuy
    @LargoGuy 6 місяців тому

    What is fsa or hsa

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 6 місяців тому

      An FSA (Flexible Spending Account) and an HSA (Health Savings Account) are both types of savings accounts designed to help individuals save for medical expenses, but they have different features and requirements. For additional details on an FSA vs. an HSA, check out our video below FSA vs HSA | which one is better for you? #hsa ua-cam.com/video/FwvOv0uE_JA/v-deo.html

  • @DavidScott-zq5jg
    @DavidScott-zq5jg 6 місяців тому

    Transforming workplaces, one family at a time

  • @lunavalentine5337
    @lunavalentine5337 6 місяців тому

    Why didn't you address any of the overwhelming number of negative revues they have on the BBB's website?

  • @Mukerezi87
    @Mukerezi87 6 місяців тому

    How much is it?

    • @FriendswithyourBenefits
      @FriendswithyourBenefits 6 місяців тому

      Generally no cost to you-your employer will pay for it.

    • @wj5442
      @wj5442 3 місяці тому

      I’m so excited to get mine. Did you find it useful? Did you stick with it? I’m using it for knee pain. Who can afford physical therapy? Uggg fingers crossed it works! Ty for your video:)