Podcasts about Cigna

In this episode, Scott Becker discusses Cigna’s 15% stock decline despite strong quarterly revenues and profitability.

In this episode, Scott Becker discusses Cigna’s 15% stock decline despite strong quarterly revenues and profitability.

Healthcare is the #1 concern from wannabe escapees DM Brett about. Today, benefits veteran and fellow escapee Tom Morrissey breaks down a solo-friendly health plan designed for one-person companies: Solo Health Collective. We cover who qualifies, how underwriting your business (not you as an individual) changes the game, pricing logic, networks, what's covered, what's not, and where this is all headed (biomarkers, portable benefits, and association plans). If you've ever said “I'd leave corporate, but… benefits,” this is your episode.Links: Solo Health Collective: https://hbgsolo.com/ Tom Morrissey LinkedIn: https://www.linkedin.com/in/tommorrisseyhbg/ What You'll LearnWho qualifies & how it works: EIN required, brief medical history, plan in your business's name (self-insured structure for solos).How it's different: Not ACA and not a sharing ministry; three high-deductible options ($2.5K / $5K / $10K) with 100% coverage after the deductible and no annual/lifetime max.Network & Rx: Open network with MultiPlan/PHCS PPO; pharmacy via Pharos Rx; prior auth for big procedures.Costs & fit: Age-rated pricing—often competitive vs. ACA when you compare total cost + design—but not for everyone (medical questionnaire matters).Service that doesn't stink: Human, concierge-style support (aka you can talk to a person).The road ahead: Optional “Solo-Plus” wellness track (full lab panels 2x/year) to drive better health and better underwriting; watch items like portable benefits and association health plans that could expand options for independents.Timestamps00:00 Welcome & why healthcare keeps people stuck02:00 What Solo Health Collective is (and isn't)04:00 Tom's background (Cigna → self-insured solutions for small employers → solos)07:30 Why underwrite the business of one (EIN)10:30 The cost problem (everywhere) & what drives premiums15:00 Getting a quote in minutes; three plan designs; preventive care at 100%18:45 Networks (MultiPlan/PHCS), open access, prior auth for big bills21:00 White-glove support & Trustpilot traction22:45 Who it's not for (questionnaire fails; ACA may be better)24:30 Simplicity: deductible = out-of-pocket; families cap at 2x deductible25:40 Future: biomarkers program, better health → better rates30:30 Policy watch: portable benefits & association health plans34:30 Final advice: know all your options; compare total cost & designAbout Our GuestTom Morrissey is a benefits industry veteran (40+ years) and co-builder of Solo Health Collective, a national health plan purpose-built for self-employed business owners with no W-2 employees. Previously with Cigna serving mid-market and national accounts, Tom now focuses on accessible, concierge-level benefits for one-person companies.DisclaimerThis episode is for educational purposes only and is not insurance, legal, or financial advice. Compare options (ACA, off-exchange, group, and Solo Health Collective) and choose what fits your situation.

Former ELC COO and strategist Lori Holt joins Galen to unpack a career built on curiosity, reinvention, and depth. From Cardinal Health to Cigna to launching The Thought Authority, Lori shares how vision boarding, catalytic questions, and “taking up space” turn strategy into action—no sheet music required. 

This episode features Dave Raccagni, Vice President of Innovation, Market Insights, and Communications at Cigna Healthcare. He discusses Cigna's partnership with Paytient to expand flexible, no-interest dental payment options for 13 million members, how the program improves preventive and critical care access, and its potential to drive long-term health and cost savings across broader areas of care.

This episode features Dave Raccagni, Vice President of Innovation, Market Insights, and Communications at Cigna Healthcare. He discusses Cigna's partnership with Paytient to expand flexible, no-interest dental payment options for 13 million members, how the program improves preventive and critical care access, and its potential to drive long-term health and cost savings across broader areas of care.

Career disruption can feel like a dead end, but sometimes it's a doorway to a more profound sense of alignment.In this episode of the Circumstance Podcast, Gina Cafasso connects with nationally recognized career coach Maggie Mistal for a conversation that blends soulful insight with strategic clarity. From a chance encounter sparked by a misspelled name to a deep dive into purpose-driven work, Gina uncovers what makes Maggie's approach so magnetic.Maggie Mistal is the author of Are You Ready to Love Your Job?, a number one Amazon bestseller, and has coached executives at companies such as PepsiCo, Diageo, and CIGNA. Her voice has reached millions through SIRIUSXM, viral videos, and features in The New York Times, Forbes, and USA Today.Whether you're navigating a layoff, rethinking your path, or simply craving more meaning in your work, this episode offers clarity, encouragement, and a reminder that loving what you do is absolutely possible.Spoiler, it is.Learn more about all the great tools and resources Maggie has to offer. Click here to visit her website.Her book "Are You Ready to Love Your Job" can be found here or on Amazon.Links to contact Maggie Mistal:LinkedIn: https://www.linkedin.com/in/maggiemistalFacebook Page: https://www.facebook.com/MakingALivingWithMaggieMistalInstagram: https://www.instagram.com/maggie_mistal_/YouTube: https://www.youtube.com/user/MaggieMistalListen to the whole series here.Support this show http://supporter.acast.com/circumstance.Support this show http://supporter.acast.com/circumstance. Hosted on Acast. See acast.com/privacy for more information.

Whittemore v. Cigna Health and Life Insurance Company

**Free Guide for Listeners:** Boost your practice's cash flow and reduce denials with our step-by-step **Eligibility & Billing Verification Training Guide.**  Download it here → https://natrevmd.com/eligibility-billing-verification/Starting October 1st, Cigna is rolling out a controversial “R49” policy that automatically down-codes higher-level E/M visits—cutting physician reimbursement even when documentation fully supports the billed level. In this episode of the NatRevMD Podcast, Dr. Heather Signorelli, DO, breaks down what this means for your practice, how ICD-10 codes and E/M guidelines intersect, and why the California Medical Association is fighting back. You'll learn:

How can HR drive profit instead of just managing processes? In this milestone episode (#300!) of Behind The Numbers With Dave Bookbinder, we explore how HR can become a strategic profit center rather than a cost center. Guest: Scott Rosen, CEO of the Rosen Group and author of Transforming Your HR Department into a Profit Center What you'll learn in this episode: Why CEOs must lead people and set the tone for culture Scott's six-step framework for transforming HR into a profit center How to approach strategic talent acquisition and employee engagement Ways to reduce turnover and its hidden costs The KPIs every organization should use to measure HR's impact Actionable next steps you can apply right now: Conduct an HR audit to uncover gaps and opportunities Train and reinforce expected behaviors across the organization Invest in HR capabilities that directly support business outcomes Scott also shares where you can find his book and resources to begin transforming HR in your organization. Subscribe to Behind The Numbers With Dave Bookbinder on your favorite podcast platform so you never miss an episode. If you enjoyed this conversation, please share it with your network and leave a review—it helps more business owners and advisors discover the show!   About Our Guest: Scott Rosen is the Founder & President, managing the Rosen Group since 1995. The Rosen Group has grown over the years into a leading staffing firm which specializes in HR. Scott's responsibilities include management, and oversight of sales, marketing, recruiting, finance and operations. Prior to starting his own company, Scott spent 20 years in corporate America. The first half of that time was in operations management with Prudential and Cigna and the second half of that time was in HR Management as a generalist with Reliance Insurance Company, Travelers Mortgage and GE Capital. Scott earned his Bachelor of Science in Business from Rider University.  www.rosengroup.com About the Host: Dave Bookbinder is known as an expert in business valuation and he is the person that business owners and entrepreneurs reach out to when they need to know what their most important assets are worth. Known as a collaborative adviser, Dave has served thousands of client companies of all sizes and industries.    Dave is the author of two #1 best-selling books about the impact of human capital (PEOPLE!) on the valuation of a business enterprise called The NEW ROI: Return On Individuals & The NEW ROI: Going Behind The Numbers.    He's on a mission to change the conversation about how the accounting world recognizes the value of people's contributions to a business enterprise, and to quantify what every CEO on the planet claims: “Our people are this company's most valuable asset.”   Dave's book, A Valuation Toolbox for Business Owners and Their Advisors: Things Every Business Owner Should Know, was recognized as a top new release in Business and Valuation and is designed to provide practical insights and tools to help understand what really drives business value, how to prepare for an exit, and just make better decisions. He's also the host of the highly rated Behind The Numbers With Dave Bookbinder business podcast which is enjoyed in more than 100 countries.  

On this episode of #TheShot of #DigitalHealth Therapy, Jim Joyce and I welcomed Mark S. Gaunya, GBA, LIA - benefits innovator, wrestling fanatic, rugby convert, and author - who's on a mission to transform healthcare from a cost center into an asset. From cutting weight in high school wrestling to cutting healthcare costs, Mark brings equal parts grit, vision, and humor to the conversation. Some highlights:

Send us a textWhat if your most complex visits were being paid as basic ones—and no one on your team even noticed?That's not a hypothetical. It's happening right now.Today we're talking about something that could be quietly draining your revenue, hurting your bottom line, and going completely unnoticed by your billing team: automatic downcoding of high-level E/M visits. This is a new policy from Cigna, and they're not alone. Other major payers—including UHC—are doing the same thing. And they're doing it in a way that makes it difficult to detect, hard to fight, and shockingly easy to miss.If you're a physician, a practice administrator, a billing leader—anyone responsible for the financial health of your practice—this episode is critical listening. Please Follow or Subscribe to get new episodes delivered to you as soon as they drop! Visit Jill's company, Health e Practices' website: https://healtheps.com/ Subscribe to our newsletter, Health e Connections: http://21978609.hs-sites.com/newletter-subscriber Want more formal learning? Check out Jill's newly released course: Physician's Edge: Mastering Business & Finance in Your Medical Practice. 32.5 hours of online, on-demand CME-accredited training tailored just for busy physicians. Find it here: https://healtheps.com/physicians-edge-mastering-business-finance-in-your-medical-practice/ Purchase your copy of Jill's book here: Physician Heal Thy Financial Self Join our Medical Money Matters Facebook Group here: https://www.facebook.com/groups/3834886643404507/ Original Musical Score by: Craig Addy at https://www.underthepiano.ca/ Visit Craig's website to book your Once in a Lifetime music experience Podcast coaching and development by: Jennifer Furlong, CEO, Communication Twenty-Four Seven https://www.communicationtwentyfourseven.com/

In this episode, Manish Naik, President of Dental and Vision at Cigna Healthcare, discusses workforce challenges, affordability barriers, and how innovations like teledentistry, AI, and integrated care models are improving access, equity, and whole person health.

In this episode, Manish Naik, President of Dental and Vision at Cigna Healthcare, discusses workforce challenges, affordability barriers, and how innovations like teledentistry, AI, and integrated care models are improving access, equity, and whole person health.

Send us a textAccess to healthcare in the U.S. is broken, with millions forced to choose between essential needs and seeing a doctor. Traditional clinics are too costly to scale, and telemedicine has hit adoption limits. In this episode of CareTalk, John Driscoll sits down with Karthik Ganesh, CEO of OnMed, to discuss how OnMed's “clinic in a box” is expanding access to care. Ganesh shares his journey across healthcare, why access has always been his passion, and how OnMed's innovative care stations blend the trust of in-person visits with the scalability of telemedicine to address one of the nation's most pressing healthcare challenges.

John discusses a collection of Trump-related stories. First, Trump says he had no knowledge of an Israeli attack on Hamas headquarters in Doha, Qatar where at least 5 lower level Hamas fighters were killed. Second, Trump and Kristi Noem's Hyundai ICE raid has cause major economic backlash. Third, Bill Gates, Tim Cook, and Mark Zuckerberg kissing up to Trump at his big Remodeled Rose Garden party. And fourth, Trump telling West Point to cancel Tom Hanks' military award event. Then, he interviews Ryan Clarkson, founder and managing partner of Clarkson Law Firm who is overseeing the firm's innovative AI litigation practice. Experts at Clarkson Law Firm have been representing numerous patients and their families in legal fights against insurers like UnitedHealthcare, Cigna, and Humana, exposing how, due to AI's denial of claims, elderly patients have been unable to access and afford the very same care their doctors have ordered, leading to some even passing away due to being denied medical care. Then, John jokes with comedian Keith Price AKA Comedy Daddy and they take calls from listeners on RFK Jr, the Supreme Court, and much more.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

In this episode, Bill interviews successful Levinson Agent, Kent. After 20+ years in the industry, Kent was able to re-invent himself and grow his business 10X in the past 1-2 years! Listen & learn from this valuable interview so you can capture these same strategies for your practice! Kent's Biography:  Kent has 20+ years of experience with individual, group, & business Insurance sales. His strong professional background in banking and insurance offers an advisory approach to his business which results in strong and lifelong client relationships. Kent grew up in Durant, OK and worked for FUB while getting his bachelor's degree. He currently resides in Austin, TX with his wife Rena, where they spend time with three adult children and grandson playing golf, boating, and anything that offers family time. Kent brings relationships with over 60 life insurance carriers, over 12 long-term care/hybrid carriers, 7 disability carriers, and quality healthcare options like Blue Cross, Cigna, Aetna, and United Health Care. Group Benefits include and are not limited to Health Insurance, Accidental Death & Dismemberment, Disability, Long-Term Care, Guaranteed Issue Life, Accidental Death, and Critical Illness. His career focus has been on Succession Planning with business owners, encompassing all the mentioned products. -Check us out online: Agent Back Office Site: LevinsonAndAssociates.com Facebook: @levinsonandassociates X: @levinsonassoc Instagram: @levinsonandassociates Threads: @levinsonandassociates LinkedIn: @bilevinson  Podcast: levinson.libsyn.com YouTube Library: @thelevinson1

Welcome to the Health Marketing Collective, where strong leadership meets marketing excellence.On today's episode, we're joined once again by Melissa Fors Shackelford, health marketing strategist, accomplished consultant, renowned keynote speaker, and now Amazon's #1 bestselling author with her new book, “Harnessing Purpose: A Marketer's Guide to Inspiring Connection.” Host Sara Payne leads a deep-dive conversation into the essential role of purpose in marketing, exploring how both personal and brand purpose are at the very heart of meaningful work and, crucially, business success.Melissa draws on two decades of shaping brand and growth strategies for healthcare organizations, including Optum, Hazelden Betty Ford, and Cigna's Evernorth, to share why connecting our personal “why” with the organizational mission isn't just aspirational, but also practical, powerful, and profitable. Together, Sara and Melissa unpack the realities of burnout and the so-called “soul-selling” reputation that sometimes haunts the marketing profession, contrasting it with Melissa's own purpose-driven approach. The episode explores how leaders and organizations can avoid performative platitudes, instead cultivating authentic, values-aligned cultures that foster engagement, resilience, creativity, and tangible business outcomes.Whether you're feeling disconnected from the “why” of your day-to-day or are a marketing leader looking to inspire deeper commitment within your team, today's discussion is packed with actionable guidance, real-world examples, and candid advice on harnessing purpose for both individual fulfillment and organizational growth.Key Takeaways:Aligning Personal and Brand Purpose Unlocks Engagement and Performance: Melissa emphasizes that the most effective marketing and the most fulfillment for marketers happens when personal purpose aligns with brand values. Marketers who understand both their own “why” and their organization's mission are more resilient, creative, and motivated, producing authentic campaigns that resonate internally and externally.Purpose-Driven Companies Outperform Competitors: The episode isn't just about feel-good motivation Melissa cites research (from the likes of HBR and Deloitte) that shows 85% of businesses with a clear purpose see sales increase, while 42% without purpose see stagnation or decline. Purpose-driven organizations attract like-minded employees and customers, resulting in higher engagement, loyalty, and performance.Authenticity and Consistency Are Essential to Building Trust: Saying the right things isn't enough; posting values on lanyards or walls without truly living them can actively erode employee and consumer trust. Melissa and Sara discuss why it's critical for leadership to model values and use them as a filter for decisions from hiring to service delivery, especially in high-stakes sectors like healthcare.Purpose as a Decision-Making Filter Empowers Employees: The ultimate goal is for every employee to use company purpose and values as a guide in daily and “in the moment” decisions, especially when leaders aren't around. This means purpose isn't just strategy, it's culture, empowering staff with clarity and confidence, and fueling both psychological safety and creative risk-taking.Marketing Can and Should Be a Force for Good: Melissa challenges marketing's manipulative stereotype by sharing real healthcare examples where marketing ethics and mission-driven approaches protect vulnerable populations and foster positive change. She encourages all marketers to use their role for good, highlighting the growing importance of authenticity in both B2C and B2B environments.To connect with Melissa Fors Shackelford or learn more about her bestselling book, visit harnessingpurpose.com or reach out on...

What happens when decades of experience no longer seem to be valued? When you're quietly dismissed, overlooked, or labeled a "blocker"—despite still having the fire, brilliance, and drive? In this powerful solo episode, Janet Ioli names what so many leaders over 50 are silently feeling: the creeping sense of invisibility in organizations that prize what's new and shiny over what's wise and seasoned.You'll hear real stories from seasoned leaders who've faced the sting of being sidelined, and a call to stop chasing relevance and instead stand firmly in your deep, cultivated wisdom. Remember: You are not done. You are not outdated. You are not invisible.If you've felt your voice dimming or your worth questioned, this one is for you.In this episode:✅ How ageism shows up in subtle ways in leadership✅ The real impact of dimming the voices of seasoned leaders✅ Why your wisdom and presence matter more than ever✅ How to reclaim visibility, voice, and power in the workplace after 50✅ What it means to evolve your leadership at midlife ✅ Reflection questions to help you show up anchored, not louderAbout Janet Ioli:Janet Ioli has over 25 years of experience in executive coaching, leadership development, and talent strategy. She's led internal transformation initiatives at Fortune 100 companies like Cigna, USA Today, Lockheed Martin, and Northrop Grumman. She understands the internal realities of leadership—what it demands, and what it often costs.Through her company, JI International/ Power Presence Academy, Janet creates space for leaders to make decisions not just based on ambition—but on personal alignment, purpose, and impact.You don't have to start over to shift your path. Sometimes it's about tuning in, recalibrating, and intentionally choosing a path that aligns with who you are becoming now.Connect with Janet Ioli:Website: janetioli.comLinkedin: Janet IoliInstagram: @leadershipcoachjanetIf you want to become more grounded, confident, and aligned with your deeper values in just 21 days, check out Janet Ioli's book Less Ego, More Soul: A Modern Reinvention Guide for Women. If you enjoyed this episode, please leave a review on Apple Podcasts. Select “Listen in Apple Podcasts,” then choose the “Ratings & Reviews” tab to share what you think. Produced by Ideablossoms

Learn how AI is already working to close the member engagement gap, transforming intent into impact, personalizing care at scale, and creating the connected experiences members now expect. Leaders from Highmark Health, Ovatient, Cigna, and League share proven strategies, bright spots, and lessons learned in applying AI to drive measurable outcomes, lower costs, and improve the member experience. In this episode, you'll learn: How AI is turning digital intent into meaningful health actions Real-world examples of personalized engagement that improved outcomes and savings Why the future of digital health is shifting from mobile-first to AI-first What it takes to build a scalable, purpose-built AI platform for healthcare How payers and providers can unite around the member with AI-powered engagement Panelists: Ian Blunt, VP Advanced Analytics, Highmark Health Michael Dalton, Founder & CEO, Ovatient Charles DeShazer, MD, Former Chief Quality Officer, The Cigna Group         Andrew Dubowec, Chief Growth Officer, League       Download the Episode Guide: Get key takeaways and expert highlights to help you apply lessons from the episode. Download here. Resources Here's the podcast Eric Glazer referenced during the show: Acquired/ACQ2 Episode: How is AI Different Than Other Technology Waves? (With Bret Taylor and Clay Bavor), August 18, 2025 Thank you to League for supporting this episode. League is the leading healthcare consumer experience platform, reaching more than 40 million people around the world and delivering the highest level of personalization in the industry. Payers, providers, and consumer health partners build on League's platform to deliver high-engagement healthcare solutions proven to improve health outcomes. Learn more at www.league.com. How to Engage: Chat with Us: Share your thoughts with Producer Jessica Tenzer at jtenzer@brightspotsventures.com  

If you've ever thought about making a change—starting something new, going back to school, or following a dream you've quietly tucked away—only to hear the voice in your head say, “Nah… It's too late,” this episode is for you.In this deeply personal and inspiring conversation, Janet shares a story that shook her out of that ‘It's too late' mindset. In this story, you'll meet a remarkable 96-year-old man whose life choices challenged every assumption about age, timing, and possibility. He reminded Janet (and will remind you) that we decide when we stop growing, not the number of candles on our birthday cake.Through reflection, story, and heartfelt truth-telling, you'll be invited to look at your own “too late” stories and maybe even take the first brave step toward the life that's been calling you all along.In this episode:Why midlife dissatisfaction isn't a crisis, it's an invitationThe 96-year-old's story that completely reframed Janet's beliefs about age and possibilityAge does not decide when we stop growing or learning something newThe real cost of staying stuck versus the risk of beginning againA reframing of “too late” as “right on time”About Janet Ioli:Janet Ioli has over 25 years of experience in executive coaching, leadership development, and talent strategy. She's led internal transformation initiatives at Fortune 100 companies like Cigna, USA Today, Lockheed Martin, and Northrop Grumman. She understands the internal realities of leadership—what it demands, and what it often costs.Through her company, JI International/ Power Presence Academy, Janet creates space for leaders to make decisions not just based on ambition—but on personal alignment, purpose, and impact.You don't have to start over to shift your path. Sometimes it's about tuning in, recalibrating, and intentionally choosing a path that aligns with who you are becoming now.Connect with Janet Ioli:Website: janetioli.comLinkedin: Janet IoliInstagram: @leadershipcoachjanetIf you want to become more grounded, confident, and aligned with your deeper values in just 21 days, check out Janet Ioli's book Less Ego, More Soul: A Modern Reinvention Guide for Women. If you enjoyed this episode, please leave a review on Apple Podcasts. Select “Listen in Apple Podcasts,” then choose the “Ratings & Reviews” tab to share what you think. Produced by Ideablossoms

"I think my media roles have resulted in trust, but that's not why I got into it. I got into it because what an incredible platform to have... to educate the public. On average, about 80,000 people at a time." When Dr. Archelle Georgiou was in clinical practice, she did the math: 15 patients a day for 30 years. The number didn't feel impactful enough. So this Johns Hopkins-trained physician made an unorthodox choice—leaving patient care to join the very managed care industry that frustrated her, determined to fix the system from within. From associate medical director at Cigna to leadership at UnitedHealth Group, Dr. Georgiou discovered that sometimes the best way to heal healthcare is to understand how it's financed and delivered. But her most powerful platform came through an unexpected channel: television. For over 16 years and 2,000 segments, she's been translating complex medical information for millions, becoming a trusted voice in America's living rooms. When COVID-19 struck and the world watched Johns Hopkins count cases and deaths, Dr. Georgiou saw what was missing: real-time hospital data. In one weekend, she and a colleague built what the entire healthcare system hadn't—a national hospital tracking dashboard that informed policymakers, appeared in major publications, and generated 12 peer-reviewed studies. In this episode of Inspiring Women with Laurie McGraw, Dr. Georgiou reveals: Why America's "paternalistic culture" makes us listen to doctors—and why we need to listen more critically How she went from treating 15 patients daily to educating 80,000 people at a time The weekend project that solved COVID's biggest data gap when no one else would Why managed care's influence on healthcare delivery shocked even an industry insider How creating annual strategic business plans for yourself can drive reinvention What really determines impact: degrees and titles, or understanding your core talents Why solving patient care problems remains her "true north" across every role From humble beginnings with parents who didn't finish elementary school to becoming a national medical correspondent, board member, and strategic advisor, Dr. Georgiou proves that maximizing your impact sometimes means leaving the traditional path behind. "Every single year I work with myself to create a strategic business plan," she shares. "A $10 million business has a business plan every single year. So why don't you?" A calculated risk-taker who's never afraid to walk through doors that inch open, Dr. Archelle Georgiou continues to reinvent what it means to be a physician leader—one who measures success not in patients seen, but in lives transformed through education, advocacy, and evidence-based truth. Chapters 2:15 - From Physician to Managed Care Leader 5:40 - Why Healthcare is So Hard to Navigate 9:30 - The Power of Media: Reaching 80,000 People at Once 13:45 - COVID Crisis Response: Building the Hospital Data Dashboard 18:20 - Leadership Across Five Tracks 20:50 - Annual Personal Strategic Planning 23:30 - Finding Your Core Talents Beyond Your Degree 26:00 - The Storyteller-Healthcare-Data Formula Guest & Host Links Connect with Laurie McGraw on LinkedIn Connect with Archelle Georgiou, MD on LinkedIn Connect with Inspiring Women Browse Episodes | LinkedIn | Instagram | Apple | Spotify

#1- When you are stuck in a Latin American emergency room: #2- How international health insurance policies(like Cigna) rip off gullible gringos and expats:    #3- Multi-tier Latin American health insurance plans: Know how to choose correctly…  #4- What's up with those “free booze” kiosks at Latin American Costco, Walmart and big chain grocery stores?  #5- A word about those overly friendly supermarket display and product promotion girls:  #6- Should you tip the gas pump girls?  #7- The latest on how Latin American call centers use AI to scam feeble old fart Americans living up in the USA: #8- Our own Expat Captain Mango has developed a unique one-on-one Crypto consulting and training service (he's been deep into crypto since 2013). To get started, email him at: bewarecaptainmango@gmail.com   

We live in a world that bombards us with advice, hacks, tips, and strategies for doing life and leadership “better.” But what if the real answer isn't more information, but more space?In this raw and soul-touching solo episode, Janet opens a new chapter of The Inner Edge podcast. She invites us into a more honest conversation about what it means to lead and live with our whole selves, especially when the outer performance doesn't reflect the inner truth.Drawing from her deeply human experiences with executive clients navigating everything from leadership pressure to divorce, burnout, and aging parents, Janet shares why the most powerful leadership work starts inside. And why space—not strategy, tools, or frameworks—may be the thing we're all craving the most.In this episode:Why Janet is reshaping The Inner Edge and what to expect in this new seasonHow too much advice can drown your inner voiceWhat real-life executive clients are actually struggling with behind the scenesThe emotional toll of performing while privately unravelingWhy space, not steps, is often what we truly need to growA powerful reminder that it's not just you, everyone is navigating something messyHow to reconnect with your inner truth and rediscover your "inner edge"The shift from performative leadership to soulful presenceAbout Janet Ioli:Janet Ioli has over 25 years of experience in executive coaching, leadership development, and talent strategy. She's led internal transformation initiatives at Fortune 100 companies like Cigna, USA Today, Lockheed Martin, and Northrop Grumman. She understands the internal realities of leadership—what it demands, and what it often costs.Through her company, JI International/ Power Presence Academy, Janet creates space for leaders to make decisions not just based on ambition—but on personal alignment, purpose, and impact.You don't have to start over to shift your path. Sometimes it's about tuning in, recalibrating, and intentionally choosing a path that aligns with who you are becoming now.Connect with Janet Ioli:Website: janetioli.comLinkedin: Janet IoliInstagram: @leadershipcoachjanetIf you want to become more grounded, confident, and aligned with your deeper values in just 21 days, check out Janet Ioli's book Less Ego, More Soul: A Modern Reinvention Guide for Women. If you enjoyed this episode, please leave a review on Apple Podcasts. Select “Listen in Apple Podcasts,” then choose the “Ratings & Reviews” tab to share what you think. Produced by Ideablossoms

In this episode, Jakob Emerson of Becker's Healthcare discusses state and federal moves impacting insurance rates, IVF coverage, GLP-1 drugs, and how payers like Cigna are adapting to evolving healthcare demands.

When patients walk in with a toothache, most urgent cares are forced to send them away. But what if you could treat the patient, deliver better care, and add a profitable new revenue stream without hiring more staff?In this episode, Michael and Nick sit down with Dr. Maria Kunstadter and Leah Sigler, the powerhouse mother-daughter duo behind The TeleDentists, the first nationwide teledentistry platform. What started as a mission to expand dental access is now transforming urgent care operations across the country.From reducing ER visits to giving urgent cares a simple “plug-and-play” dental service line, The TeleDentists are showing clinics how to diversify their services, support their communities, and grow their bottom line—all without overburdening their teams.Whether you're an urgent care operator, an entrepreneur, or just curious about what's next in healthcare delivery, this conversation is packed with insights you can act on today.

In this episode of The Broker Link, Josh Slattery breaks down key carrier updates that will impact Medicare Advantage and Part D plans in 2026. Highlights include:

Fed kept rates on hold with dissent from Waller and Bowman. Powell said will not let tariffs become inflationary.BoJ maintained rates as expected, raised growth and inflation outlook. Continued to note uncertainty over trade.US equity futures rebounded after-hours with strength in tech/AI-related names after Microsoft (+8.3%) and Meta (+11.5%) smashed Q2 earnings.US President Trump announced that South Korea will be subject to a 15% and make USD 350bln in investments in the US.European equity futures suggest a mildly positive open. Hang Seng lags post-disappointing Chinese PMIs.DXY rally pauses for breath, EUR/USD remains on a 1.14 handle. USTs rebounded off the lows after post-Powell pressure.Looking ahead, highlights include French CPI, PPI, German Unemployment Rate, CPI, EZ Unemployment Rate, Italian CPI, US Challenger Layoffs, PCE (Jun), Jobless Claims, Employment Wages, Chicago PMI, Atlanta Fed GDPNow, Canadian GDP, SARB Policy Announcement.Earnings from Shell, Unilever, LSE, Haleon, Standard Chartered, Anglo American, Sanofi, Schneider Electric, Safran, Credit Agricole, Saint Gobain, SocGen, Accor, Teleperformance, Air France, AB InBev, BBVA, Holcim Puma, Lufthansa, BMW, Apple, Amazon, Strategy, Coinbase, Reddit, Roku, CVS, Roblox, AbbVie, Norwegian Cruise Line, Cigna, Mastercard & PG&E.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

BoJ maintained rates as expected, raised growth and inflation outlook. Continued to note uncertainty over trade; Ueda said, no large change to central outlook that growth pace will slow down and underlying inflation stalls.US President Trump announced that South Korea will be subject to a 15% tariff and make USD 350bln in investments in the US.European bourses opened higher but have waned off best levels, NQ outperforms after stunning earnings from META +12% & MSFT +8%.Ongoing USD rally pauses for breath ahead of PCE, JPY pressured after BoJ Governor Ueda.JGBs boosted by Ueda, USTs towards the post-Powell lows into PCE.Crude lacklustre, Gold benefits from haven flows & copper dented by Trump tariff details.Looking ahead, US Challenger Layoffs, PCE (Jun), Jobless Claims, Employment Wages, Chicago PMI, Atlanta Fed GDPNow, Canadian GDP, SARB Policy Announcement.Earnings from Apple, Amazon, Strategy, Coinbase, Reddit, Riot, Cloudflare, Roku, CVS, Roblox, AbbVie, Norwegian Cruise Line, Cigna, Howmet Aerospace, Mastercard & PG&E.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

In this episode of SoundPractice, Ron Howrigon, president and CEO of Fulcrum Strategies, brings his extensive experience in the healthcare industry to the forefront. Having worked as a senior executive with major managed care companies like Cigna, Kaiser Permanente, and Blue Cross Blue Shield, Howrigon shares his journey. From negotiating contracts to founding Fulcrum Strategies, his consulting firm helps doctors and hospitals navigate the complex world of managed care agreements so they can focus more on patient care. With a keen eye on the flaws of a profit-driven healthcare system, join us as we delve into the complexities of the healthcare system and discuss innovative solutions for a better future. Key Takeaways: - Navigating Capitalistic Healthcare: Uncover the inherent problems of a for-profit healthcare system where insurers often prioritize shareholder profits over patient care. Howrigon also discusses Medicare reimbursement cuts and provides a balanced view on private equity in healthcare, highlighting both potential benefits and risks. - Changing Patient Experience: Over the last 30-40 years, increasing bureaucracy and challenges in accessing necessary care have dramatically altered the patient experience, leading to poor health outcomes and a more critical patient perspective on the industry. - Solutions and Reforms: Howrigon suggests vital reforms to ensure medical directors for third-party payers adhere to medical practice standards when approving or denying claims, aiming to enhance patient care. - Impact of Physician Employment: Explore how the shift from self-employed physicians to those employed by non-physician-controlled organizations affects relationships at every level of healthcare. Howrigon predicts significant access issues and reimbursement changes because of the worsening physician shortage. - Learn more and Connect: -- Gain more insights in Howrigon's books, CLEAR! Reforming Healthcare to Save the U.S. Economy and FLATLINING: How Healthcare Could Kill the U.S. Economy. -- Visit fsdoc.com to connect with Ron Howrigon. Learn more about the American Association for Physician Leadership at https://www.physicianleaders.org/.

In this episode of Ignite, Cardinal CEO Alex Membrillo sits down with Jessica Russo Suss, Senior Advisor of Customer Lifecycle Marketing at Cigna Healthcare, to explore B2B and B2C healthcare marketing strategies, highlighting the importance of research, empathy, and collaboration across teams. You'll gain valuable insights into how AI is changing audience engagement, why information overload can backfire, and how building trust and understanding your audience's real needs are key to effective campaigns. Listen in to learn practical ways to move beyond traditional tactics and create marketing that truly resonates with both employers and consumers in the healthcare space. RELATED RESOURCES Connect with Jessica- https://www.linkedin.com/in/jessicarussosuss/ When & How to Expand Your Healthcare Media Mix - https://www.cardinaldigitalmarketing.com/healthcare-resources/blog/expanding-channel-media-mix-strategy/ Healthcare Marketing Trends in 2025: Marketers Doing More - https://www.cardinaldigitalmarketing.com/healthcare-resources/blog/healthcare-marketing-trends-2025/ Marketing + Operations: Why Total Alignment is Vital to Growth - https://www.cardinaldigitalmarketing.com/healthcare-resources/blog/healthcare-marketing-operations-alignment/ Harnessing the Power of AI Marketing for Healthcare - https://www.cardinaldigitalmarketing.com/healthcare-resources/blog/harnessing-ai-marketing-for-healthcare/

NewsWhip, the real-time media intelligence company trusted by global brands and leading publishers, has announced the launch of the first AI Monitoring Agent designed to monitor the world's news, detect narrative and business risks as they emerge, and provide alerts and context to help communications teams decide when and how to respond. Today, NewsWhip is used by major global brands including Google, Nissan, Walmart, Deloitte, and Cigna; and by leading publishers such as Axios, Reuters, The Associated Press, DotDash Meredith, and Condé Nast. Backed by investors including the Associated Press, Tribal VS and Asahi Shimbun, NewsWhip has raised over $20 million to date to build a next-generation media intelligence platform. The development of the AI Monitoring Agent was requested and financially supported by one of the world's leading beverage brands, reflecting a growing demand for faster, smarter solutions in real-time media monitoring. In the modern media landscape, communications teams are stretched across a constant churn of headlines, viral tweets, Slack threads, podcasts, and newsletters. According to the Reuters Institute's 2024 Digital News Report, as media habits fragment, just 22% of people now go directly to news websites or apps while the majority rely on platforms like social media, search, and aggregators to access news, highlighting a generational shift away from traditional news. At the same time, research by Dr. Gloria Mark, professor of informatics at UC Irvine, shows that professionals switch tasks every 47 seconds and can take up to 25 minutes to regain focus. In this environment of constant cognitive overload, PR teams are flooded with noise. NewsWhip helps them stay ahead tracking real-time engagement across platforms and predicting what will matter to their brand's reputation.. With reputational risk now spread across hundreds of channels, traditional monitoring can't keep up. Agentic AI is becoming the obvious answer. Gartner predicts that by 2029, 80% of common service issues will be resolved by AI agents without human input. In communications, NewsWhip is bringing this shift to life - developing more agentic AI solutions to surface early signals, add real-time context, and help comms teams prioritise what actually matters. That means less time reacting to noise, and more time shaping strategy. "Agentic AI will transform the game for brand and issue monitoring. We expect PR and comms professionals will quickly shift from daily or other periodic media reports, to trusting their "always on" Agent team-mate - telling them what they need to know, when they need to know it.," said Paul Quigley, CEO and co-founder of NewsWhip. "Our Agent stands on the shoulders of NewsWhip's unique real time news and social engagement data - so it brings together the speed of the newsroom with the trusted capability of a media analyst. Ultimately, this will empower communications professionals to act faster, make better decisions, and help their organisations succeed." Major brands are already seeing the benefit of NewsWhip's AI monitor with Benjamin Kocsis, Global Communications Insight Analyst at Ford Motor Company saying, "We are eager to leverage AI more to enhance our insights and drive efficiency. To have an Agent in NewsWhip that allows us to constantly be on the lookout for reputational risks and opportunities is invaluable as we look to provide our teams with information on what matters most to our key stakeholder groups and more effectively manage our reputation." Unlike conventional media monitoring tools, which focus on keyword mentions and update on a delay, NewsWhip was purpose-built for today's fragmented, non-linear media environment. It tracks engagement in real time across both mainstream and emerging sources - including Facebook, Reddit, and platforms many tools overlook, like Substack. At the core is a high-frequency data engine that indexes millions of stories per hour - combined with a transformational...

Episode 197: Continuous Glucose MonitoringWritten by William Zeng, MSIII, and Chris Kim, MSIII. University of Southern California.You are listening to Rio Bravo qWeek Podcast, your weekly dose of knowledge brought to you by the Rio Bravo Family Medicine Residency Program from Bakersfield, California, a UCLA-affiliated program sponsored by Clinica Sierra Vista, Let Us Be Your Healthcare Home. This podcast was created for educational purposes only. Visit your primary care provider for additional medical advice.Will: IntroToday we're exploring Continuous Glucose Monitoring, or CGM. We'll break down what CGM is, who benefits, how to access it, options available for our patients, the pros and cons, and a few final reflections on where this technology is heading. Chris, So what is CGM?Chris:Continuous glucose monitoring refers to the use of a small wearable sensor placed just under the skin to track glucose levels in real time throughout the day and night. These sensors measure glucose in the interstitial fluid and transmit readings to a receiver or smartphone at regular intervals, allowing for 24/7 glucose trend tracking. Will:CGM has been shown to improve glycemic control, increase “time in range,” and reduce hypoglycemia. Let's review some evidence.Chris:A 2023 meta-analysis published in Diabetes Technology & Therapeutics reported a mean Hemoglobin A1c reduction of 0.43% across multiple trials. Will:In people with Type 1 diabetes, the IMPACT and DIAMOND studies showed sustained improvement in Hemoglobin A1c and hypoglycemia reduction over 6–12 months. CGM use in insulin-treated Type 2 diabetes patients also resulted in significant benefits, including reduced variability and fewer severe glucose excursions. Chris:Clinically and economically, CGMs help prevent long-term complications such as cardiovascular disease, nephropathy, and retinopathy. Chris, What patients specifically benefit the most from CGM?Will: CGMs are most commonly indicated for people with Type 1 diabetes and for those with Type 2 diabetes who are using intensive insulin regimens—typically defined as multiple daily injections or insulin pump therapy. Chris:And what are the qualifications in order to be covered by insurance?Will:In the United States, Medicare covers CGM as durable medical equipment for qualifying patients, and coverage requires a prescription, documentation of insulin use, and regular follow-up. Most major private insurers—including Blue Cross, Aetna, UnitedHealthcare, Cigna, and Kaiser—follow similar guidelines. Coverage is generally granted for patients with Type 1 diabetes or insulin-requiring Type 2 diabetes who monitor glucose at least four times daily or use an insulin pump. Chris:Some plans require demonstration of hypoglycemia unawareness or frequent glucose variability. For patients not on insulin, OTC CGMs may be an option, but coverage is typically not provided. That said, new FDA decisions are allowing over-the-counter access to CGMs like Abbott's FreeStyle Libre and Dexcom's Stelo, expanding availability for lifestyle or preventive purposes.Will:[There are a lot of products on the market. Which are the main products and how are they different?]Chris:The three main players in the CGM space are Dexcom, Abbott (FreeStyle Libre), and Senseonics (Eversense), each with unique offerings.Let's start with Dexcom. Dexcom G7 is a real-time CGM system approved for both Type 1 and Type 2 diabetes. It combines a sensor and transmitter into one compact wearable patch worn on the abdomen or upper arm for up to 10 days. It updates glucose readings every 5 minutes and connects directly to a smartphone or Apple Watch via Bluetooth. Dexcom also integrates with insulin pumps like Tandem's t:slim and the Omnipod 5. Data can be shared with providers through Dexcom Clarity, which integrates into electronic medical records (EMRs) like Epic. OTC access is not yet available for DEXCOM G7, but a new non-prescription product called Dexcom Stelo is being rolled out in 2025, targeting non-insulin-using Type 2 patients. Dexcom Stelo will also offer 15-day wear, smartphone integration, and factory calibration. The estimated OTC cost for Dexcom Stelo is expected to be around $99 for a 15-day sensor, or about $198/month.Will:$200! Abbott FreeStyle Libre comes in several versions. The Libre 2 offers 14-day wear and requires users to scan the sensor with their smartphone or reader to retrieve a glucose value. It has optional real-time alarms for high and low readings and transmits data to LibreView, which can integrate with most EMRs. Libre 3 is a real-time CGM with 1-minute interval updates, Bluetooth transmission, and a slimmer profile. Libre sensors are widely used in primary care and available OTC for non-insulin users. Libre 2 sensors cost approximately $70–$85 for a 14-day sensor, while Libre 3 is slightly higher, around $85–$100 per sensor—totaling about $140–$200/month out of pocket without insurance.Chris:Senseonics Eversense E3 is the only implantable CGM on the market. It involves a minor in-office procedure to insert the sensor under the skin of the upper arm, which lasts up to 180 days (and a newer version, Eversense 365, lasts up to one year). A removable transmitter worn on top of the skin sends data every 5 minutes to a mobile app and vibrates for alerts. It requires 1–2 calibrations per day using a traditional fingerstick meter. It integrates with Eversense DMS software for physician monitoring. The total cost for Eversense depends on the insertion procedure and insurance, but cash pay for the full 6-month system is estimated at $2,400–$3,000, or about $400–$500/month including follow-up visits.Will:Additional lower-cost CGMs such as the Medtrum A6 TouchCare are available internationally and in select U.S. pilot programs. These devices offer 14-day wear, smartphone syncing, and daily calibration, but are not yet FDA-approved for wide use and lack full EMR integration.Chris:In terms of performance and value, Dexcom G7 offers the most advanced real-time feedback and integration, making it ideal for those on insulin pumps or needing tight control. Will:FreeStyle Libre offers the best affordability and convenience, especially for non-insulin users or those who prefer not to deal with constant alerts. Eversense offers a niche but compelling option for people who want to avoid frequent sensor changes. Chris, [Are there any downsides or risks that patients should be aware of before trying out CGM?]Chris:CGMs are generally safe and well-tolerated, but they do have limitations. Dexcom G7 has a known failure mode where sensors sometimes fail prematurely, often before the full 10-day duration. Some users have reported “signal loss” errors or random disconnections, especially when switching between phone models or operating systems. There are occasional reports of inaccurate highs or lows due to compression during sleep or dehydration. Though the G7 is factory-calibrated, abrupt changes in hydration or blood flow can affect its readings.Will:FreeStyle Libre systems, particularly Libre 2, require the user to scan the sensor to retrieve data unless alerts are enabled. These devices may be affected by vitamin C (ascorbic acid), which can falsely elevate glucose readings, and they do not currently allow for automated insulin delivery integration. Some Libre 2 users have noted adhesive-related rashes or spontaneous detachment. Libre 3, while more advanced, still may lose Bluetooth connection intermittently, particularly if the phone is out of range or the app is not running in the background.Chris:Senseonics Eversense carries procedural risks due to its implantable nature. Minor scarring or infection at the insertion site has been reported. The transmitter must be worn during waking hours to provide alerts, and users report anxiety over losing the transmitter since data logging is interrupted without it. Calibration is still required, which adds to daily tasks. Additionally, the sensor does not communicate with insulin pumps or closed-loop systems.Will:All CGMs can cause mild skin irritation from adhesive, particularly in users with sensitive skin. Alert fatigue is another consideration, as frequent low- or high-glucose warnings may cause stress or lead users to silence notifications entirely. Finally, relying solely on CGM without periodic fingerstick confirmation in symptomatic scenarios can be a risk, especially during rapid glucose changes.Chris:Conclusion[***] Continuous glucose monitors have reshaped the way we manage diabetes, offering unprecedented insight into glucose trends, diet responses, and insulin timing. While CGMs are not flawless, the technology continues to evolve. Will: If your patient is on insulin or struggling with glucose variability, consider whether CGM is right for your patient. For those not using insulin, consider newer OTC options like FreeStyle Libre or Dexcom Stelo, which offer accessible entry points without the need for prescriptions. As AI integration, longer sensor life, and non-invasive monitoring enter the market, CGM will only become more useful.Dr Arreaza: Personal experience with CGMs. I do not have diabetes, but I have a strong family history of diabetes (including father, 2 grandmas, and about 15 uncles, aunts, and cousins.)I wanted to try it so I could teach my patients about CGM. My first experience was with Freestyle Libre 2: Pros: Painless placement, easy to use, scanning with phone was easier than fingersticks.Cons: Required some assembling to be placed, mild discomfort at night, and nighttime alarms.Dexcom G7:Pros: No need for scanning, feels more stable in your armCons: High readings (had to calibrate for a more accurate reading)Even without trying, every night you go to bed a little wiser. Thanks for listening to Rio Bravo qWeek Podcast. We want to hear from you, send us an email at RioBravoqWeek@clinicasierravista.org, or visit our website riobravofmrp.org/qweek. See you next week! _____________________References:Theme song, Works All The Time by Dominik Schwarzer, YouTube ID: CUBDNERZU8HXUHBS, purchased from https://www.premiumbeat.com/.

Crain's residential real estate reporter Dennis Rodkin and host Amy Guth discuss the latest news from the local market, including record-breaking sales in Chicago's higher housing tier and Cook County's push for affordable modular homes.Plus: Office demand freefall resumes as downtown vacancy reaches a new record high, Rivian's micro-EV spinoff valued at $1 billion, Blue Cross parent renames Medicare offerings following Cigna deal and CME debates the meaning of "trading floor" as $2 billion trial gets underway.

Ryan Hamilton is an associate professor of marketing at Emory University and co-author of The Growth Dilemma. As co-host of The Intuitive Customer podcast, he brings behavioral science to life through real-world brand strategy. This week on On Brand, Ryan joins me to explore why customer decisions aren't as rational as we think, how brands can grow without losing their soul, and what he's learned working with companies like Walmart and Visa. About Ryan Hamilton Ryan Hamilton is an associate professor of marketing at Emory University's Goizueta Business School. He has consulted on branding with Walmart, FedEx, Home Depot, Caterpillar, ConAgra, Cigna, Visa, and Ipsos, among others, and has been a keynote speaker. He cohosts a podcast, called The Intuitive Customer, which applies the insights of behavioral science to customer experience. He has produced lecture series on both marketing and human decision making for The Great Courses. He's also the co-author of the book, The Growth Dilemma. What brand has made Ryan smile recently? Ryan shared a smile he got via a birthday gift from his wife. The gift? A planer from Bridge City Tools. “I love a  brand that can take something workaday and turn it into a thing of beauty.” Connect with Ryan on LinkedIn and his Emory University faculty page. Listen and subscribe at  Apple Podcasts, Spotify, Amazon/Audible, Google Play, Stitcher, TuneIn, iHeart, YouTube, and RSS. Rate and review the show—If you like what you're hearing, be sure to head over to Apple Podcasts and click the 5-star button to rate the show. And, if you have a few extra seconds, write a couple of sentences and submit a review to help others find the show. Did you hear something you liked on this episode or another? Do you have a question you'd like our guests to answer? Let me know on Twitter using the hashtag #OnBrandPodcast and you may just hear your thoughts here on the show. On Brand is a part of the Marketing Podcast Network. Until next week, I'll see you on the Internet! Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Morgan O'Connor from Cigna joins us to walk you through four essential steps to help you make the most of your medical benefits. Whether you're new to Cigna or just need a refresher, we cover everything from registering on myCigna and accessing your digital ID card to exploring the Omada Health program and connecting with member services. Tune in and start your benefits journey off right! 00:00 - 01:47   Introduction 01:48 - 06:59   Registering on myCigna 07:00 - 16:53   Accessing and using your digital ID card 16:53 - 21:38   Omada Health Introduction 21:38 - 25:28   Getting help – Cigna member services Additional Resources: Videos: Introduction to digital ID cards (full video) Finding your digital ID card for the first time Sharing your digital ID card Flyers How to log into myCigna & access your digital ID card Digital ID cards FAQs   For more benefit tips and wellness info, follow essehealthbenefitsu on Facebook, Instagram, or YouTube.       ------ Music Credit: "Cheery Monday" - Kevin MacLeod (incompetech.com) Licensed under Creative Commons: By Attribution 3.0 http://creativecommons.org/licenses/by/3.0/

Health Insurance is Rigged & Controlled by the Big Companies w/ Donvan Ryckis of Ethos Benefits   - AZ TRT S06 EP10 (272) 6-15-2025              What We Learned This Week Health Insurance is primarily run by the Big 4 - BUCA: Blue Cross United Healthcare, CIGNA, Aetna To Insurance Co's – Premium = Revenue, and they are not going lower profits, so no incentive to lower costs Health insurance employer group plans can be broken down into 4 Parts Network PPO is what people typically think of when they think of health insurance There have been revisions to the Healthcare Act passed in 2021   Guest: Donovan Ryckis, Ethos Benefits https://ethosbenefits.com/   https://ethosbenefits.com/documentary/ https://businessofbenefitspodcast.com/   Our Ethos is Simple: Fiduciary First. Act in the best interest of those we serve—no matter the cost. ‘Ethos' represents the guiding principle, character, or spirit of a person or organization. It's the ‘why' that drives decision-making and fuel's purpose. Our Ethos is deeply rooted in the story of our Founder, Donovan Ryckis. Over a decade ago, Donovan, a fiduciary Series 65 securities advisor specializing in retirement and pension planning, was approached by a client facing a dire situation. The client's publicly traded broker claimed there was no solution for a staggering 37.5% health insurance renewal increase—a cost that threatened the business and its employees. With no prior experience in health insurance markets but guided by his unwavering fiduciary principles, Donovan took on the challenge. The result? He mitigated the risk entirely, delivering a solution 12% below the current rate. This allowed the business to thrive and ensured hundreds of employees wouldn't have to choose between basic necessities and skyrocketing health premiums. That moment sparked a revelation. The fraud, waste, and abuse Donovan had fought in retirement planning paled in comparison to the challenges in healthcare. He saw an opportunity to bring transparency and fiduciary principles to an industry in desperate need of change. Donovan pivoted his career, becoming one of the first fee-based health insurance advisors in the nation. By removing all conflicts of interest in broker compensation, he laid the foundation for what is now the leading innovative employee benefits agency in the country, delivering higher quality care at a significantly lower cost to employers nationwide.       Notes:   Ethos Benefits deals with employee benefits, with a primary focus on group health insurance   Per Donovan ‘Employee benefits are rigged'   Insurance company premium equals revenue. There is no incentive to lower cost, as it would lower profits.   ACA Obamacare passed in 2010, and it capped profits for insurance companies at 20%   Insurance Co's are working to expand their pool to make more profit   Health Insurance guarantees inflation keeps going up, so family of 4 could spend 35K a year   For a business, healthcare cost and employee benefits are a top 3 P&L expense   Ethos strategies can create a 30 to 40% reduction on premium impact to lower costs for a business   The HQ is in Florida, but they are a virtual office with agents and clients nationwide   Healthcare finance and delivery + Improving employee benefits     Seg 1   Donovan's bio, he was a financial advisor with a Series 65 license before he got into health insurance. Around 2014 he moved into health insurance seeing an opportunity for better service.   Typically you see agents who are working for the health insurance company and not really working for the employer companies they are selling to.   Health insurance is primarily run by the Big 4 – BUCA: Blue Cross United Healthcare, CIGNA, Aetna.   Health insurance employer group plans can be broken down into 4 Parts:   1.    TPA or third-party administrator 2.    Network PPO or HMO 3.    Pharmacy benefit RX 4.    Insurance that covers the caps the limits on the stop loss   PPO is your primary network and open on using referrals HMO is a non-preferred network typically has less offerings and tight on referrals   Ethos Benefits helps employers to break up the four parts of a group plan and customize   Network PPO is what people typically think of when they think of health insurance.   Network and the Big 4 health companies have a tighter deal with doctors and contract prices. A lot is pre-negotiated with a set of rates, which is the point of a PPO. This is where you get larger claims and they run in the system of healthcare.     Seg 2   Pay more for healthcare in the U.S. than the rest of the world   The biggest pharmaceutical companies are in the US Pharmaceutical companies in flight prices, and also set the prices They make money through spread pricing   Employers can actually pick up their own Pharma benefit and get the rebates that the big health insurance companies are not giving them   Healthcare system is a rigged game The fraud waste and abuse extremely high in health   401(k) and retirement benefit industry is actually tighter with more disclosure than the healthcare industry   Regulated better since the creation of the Securities Act in the 1930s and updates that ran through the 1970s and beyond with things like ERISA   There have been revisions to the healthcare act passed in 2021 - started in Jan.2022   Actions had 3 disclosures: ·         Brokers comp and bonus ·         Data with gag, clauses, and full access to data upon request ·         Benchmarking for drug cost     Further Notes via Google:   The revisions you are likely referring to are part of the Consolidated Appropriations Act of 2021 (CAA). While the CAA was passed in late 2020, many of its provisions, including those related to transparency in healthcare, became effective on January 1, 2022.  The three key areas of disclosure you mentioned are directly addressed within these regulations: 1.            Broker's Compensation and Bonuses: The CAA amends ERISA Section 408(b)(2) and requires service providers, including brokers, to disclose specific information to group health plan fiduciaries. 2.            Data Transparency (Gag Clauses and Full Access to Data): The CAA prohibits gag clauses, which prevent plans from providing access to their data. It also requires health insurance carriers to attest annually to their compliance with this prohibition. Moreover, the Health DATA Act, a proposed bill, would further reinforce the right of employers to access their data and hold service providers accountable for non-compliance. 3.            Benchmarking for Drug Costs: The CAA includes provisions regarding pharmacy benefit and drug cost reporting, which aims to provide greater transparency and potentially lead to better benchmarking of drug costs. The Build Back Better Act, a separate piece of legislation, also included provisions for Medicare to negotiate drug prices, further impacting drug costs and potential benchmarking.  These revisions aim to increase transparency in healthcare pricing and empower consumers and employers to make more informed decisions about their healthcare coverage.    Seg 3   Ethos works with Employers to create business plans usually with a 3 to 5 year time horizon. The goal is long-term to lower healthcare cost.   Example would be a company with 100 employees with 50 to 80% of them on the health plan (does not include dependents).   Ethos wants to keep the demands of a company low, easy transition.   Ethos handles employee Qs and healthcare navigation. Ethos is full service.   Risk handled 1 of 4 ways - Reduce, avoid, retain, transfer - Transfer to insurance   Broker wants to transfer risk Company can control costs Careful not to have too much disruption with a switch to a new company   Ex - start with pharmacy part NDC National Drug Code Run report vs costs   Pharmacy benefit mgr   Pre packaged health plan Gets co approved pharmacy benefit Save 5 - 15% on costs (30%)   Separate - parts of group plan     Seg 4   Brokers comp - incentives from big insurance companies   Opening move - edit pharmacy benefit piece   State by state - regulators and rules   Employers / employees Know the network and PPO   Nationwide covers insurance part – Stop-loss Insurance   30-40 major stop loss companies Ex: Allstate Met Life Sun Life   Stop-loss insurance for group health plans acts as a financial safety net for self-funded employers, protecting them from large, unpredictable medical claims. It is a form of additional insurance.   Healthcare risk is incredibly predictable on group basis   Overall predictable w stats, actuarial analysis   Gag clauses look at dataset from current carrier   Prescription database sets   3rd party admin are less of a concern, lots of claims   Average of 18 claims per employee per year, includes dependents   Data - review AI Claims analytics software   AI claims analytics software is transforming how insurance companies handle claims by leveraging artificial intelligence and machine learning to analyze data, automate tasks, and improve decision-making.    30 - 40% reduction in premium w Ethos     Further Notes via Google: Group Medical Plans Breakdown of the common components of a comprehensive employer group health plan, particularly within the context of a self-funded model.  Here's a more detailed explanation of each part: 1.            TPA (Third-Party Administrator): A TPA is a company that provides administrative services for self-funded health plans. This includes processing claims, handling enrollment, and managing other administrative tasks that would typically be done by an insurance company. 2.            Network (PPO or HMO): This refers to the group of doctors, hospitals, and other healthcare providers that the health plan contracts with to provide services to its members. The network defines where employees can go to receive care and often dictates the level of coverage they will receive (e.g., in-network vs. out-of-network benefits). ·                                             PPO (Preferred Provider Organization): Offers more flexibility, allowing members to see out-of-network providers, though with higher out-of-pocket costs. ·                                             HMO (Health Maintenance Organization): Typically requires members to stay within the network for covered services, except in emergencies.                 Pharmacy Benefit (RX): This component manages the prescription drug coverage for the plan. It includes negotiating drug prices, processing claims for prescriptions, and managing the plan's formulary (list of covered drugs).                 Stop-Loss Insurance: This is a crucial element for self-funded employers. It protects the employer from catastrophic claim costs. If an individual employee or the entire group's claims exceed a certain threshold (the "attachment point"), the stop-loss insurance kicks in to cover the excess costs, limiting the employer's financial liability.  Additional Considerations: ·                     Data Access: Self-funded plans often provide employers with greater access to claims data, which can be used to analyze healthcare costs, identify trends, and implement strategies to improve employee health and manage costs. ·                     Benchmarking: Employers can use claims data and industry benchmarks to compare their plan's performance to similar organizations and negotiate better rates with providers and other vendors. ·                     Wellness Programs: Some employers offer wellness programs to encourage employees to adopt healthy behaviors and potentially reduce healthcare costs. ·                     Essential Health Benefits (ACA Compliance): Group health plans must comply with the Affordable Care Act (ACA), which requires them to cover a list of essential health benefits, such as outpatient care, emergency services, hospitalization, and prescription drugs. ·                     Other Benefits: Group plans can also include other benefits, such as dental, vision, life insurance, and long- and short-term disability insurance.  Understanding these different parts is essential for employers to effectively manage their group health plan, control costs, and provide valuable benefits to their employees.      Investing Shows: https://brt-show.libsyn.com/category/Investing-Stocks-Bonds-Retirement       ‘Best Of' Topic: https://brt-show.libsyn.com/category/Best+of+BRT      Thanks for Listening. Please Subscribe to the AZ TRT Podcast.     AZ Tech Roundtable 2.0 with Matt Battaglia The show where Entrepreneurs, Top Executives, Founders, and Investors come to share insights about the future of business.  AZ TRT 2.0 looks at the new trends in business, & how classic industries are evolving.  Common Topics Discussed: Startups, Founders, Funds & Venture Capital, Business, Entrepreneurship, Biotech, Blockchain / Crypto, Executive Comp, Investing, Stocks, Real Estate + Alternative Investments, and more…    AZ TRT Podcast Home Page: http://aztrtshow.com/ ‘Best Of' AZ TRT Podcast: Click Here Podcast on Google: Click Here Podcast on Spotify: Click Here                    More Info: https://www.economicknight.com/azpodcast/ KFNX Info: https://1100kfnx.com/weekend-featured-shows/     Disclaimer: The views and opinions expressed in this program are those of the Hosts, Guests and Speakers, and do not necessarily reflect the views or positions of any entities they represent (or affiliates, members, managers, employees or partners), or any Station, Podcast Platform, Website or Social Media that this show may air on. All information provided is for educational and entertainment purposes. Nothing said on this program should be considered advice or recommendations in: business, legal, real estate, crypto, tax accounting, investment, etc. Always seek the advice of a professional in all business ventures, including but not limited to: investments, tax, loans, legal, accounting, real estate, crypto, contracts, sales, marketing, other business arrangements, etc.  

Get ready for an inspiring conversation that dives deep into the magic of transformative retreats, where a little discomfort and a lot of collaboration spark real, meaningful change. Barbara Patchen brings the energy as she shares why empathy is the secret sauce of great facilitation and how retreats can become powerful catalysts for growth.With warmth and wisdom, Barbara explores how safe, authentic spaces can help people connect on a deeper level, both personally and professionally. She champions principle-centered leadership, intentional listening, and the joy of building strong, human-first relationships at work.From her own leadership journey to the surprising role the environment plays in retreat success, Barbara reminds us that growth doesn't have to be a grind. In fact, enjoying the ride is part of the magic. Leaders, take note, this conversation is a masterclass in showing up with heart, modeling the behaviors you want to see, and creating spaces where everyone feels seen, heard, and valued.Bio Barbara Patchen is an organizational psychology practitioner who helps leaders shape cultures that people actually want to work in. She partners with organizations in moments of growth, transition, and change, designing the conditions for people and performance to thrive.As Founder and Principal Consultant of Moonlight Strategy, Barbara provides a mix of organizational consulting, leadership development programming, and executive coaching. Her work lives at the intersection of strategy and humanity, balancing the business outcomes leaders need with the human practices teams deserve. Her current portfolio includes healthcare systems, fast-scaling private equity-backed companies, non-profit leadership teams, and global organizations navigating complexity and growth.Previously, Barbara served as Head of Growth at Stoked, a human-centered design firm, where she helped corporate and non-profit partners build more progressive and adaptable teams. Her client roster includes companies like Hyatt Hotels, Coach, AARP, Cigna, TVA, Uber, Expedia, RetailMeNot, CVS, and T-Mobile. Earlier in her career, Barbara led Talent and Organizational Development inside a Fortune 200 healthcare company, where her team earned multiple national awards for building environments where leaders could thrive.Barbara holds a master's degree in Industrial/Organizational Psychology and an undergraduate degree in Business & Global Leadership. She currently lives on a 50-acre farm in Fayetteville, Arkansas, with her partner, where she spends her time canoeing the local rivers, cooking overly complicated meals for friends, and writing forfun.ResourcesExclusive Membership Group ✨ Sign Up!New Merch 

Navigating the Growth Dilemma with Ryan Hamilton   Welcome to the What's Next! Podcast with Tiffani Bova.    I'm thrilled to welcome Ryan Hamilton to the show this week. Ryan is an associate professor of marketing at Emory University's Goizueta Business School. He has consulted on branding with Walmart, FedEx, Home Depot, Caterpillar, ConAgra, Cigna, Visa, and Ipsos, among others, and has been a keynote speaker. He cohosts a podcast, called The Intuitive Customer, which applies the insights of behavioral science to customer experience. He has produced lecture series on both marketing and human decision making for The Great Courses. He is the co-author of a new book, The Growth Dilemma.    THIS EPISODE IS PERFECT FOR…anyone navigating brand growth and customer strategy decisions across evolving markets and customer segments.   TODAY'S MAIN MESSAGE…growth is a natural goal for businesses, but attracting new customers can unintentionally alienate the ones you already have. Ryan calls this the growth dilemma. As you expand your customer base, you risk creating conflicts between different groups of customers, conflicts that can undermine your success. Ryan outlines four kinds of customer conflict and how businesses can better anticipate and manage them before making big moves.   KEY TAKEAWAYS: Growth can backfire if you don't manage customer conflicts Start by maximizing value from existing customers before chasing new ones The four common conflict types are functional, brand image, user identity, and ideological   WHAT I LOVE MOST…Ryan's insight that brands often chase new customers without realizing the conflicts it creates, when the gold might already be in their existing customer base.   Running Time: 27:02    Subscribe on iTunes     Find Tiffani Online: LinkedIn Facebook X    Find Ryan Online: LinkedIn   Ryan & Annie's Book: The Growth Dilemma: Managing Your Brand When Different Customers Want Different Things

There’s no question that loneliness has become a global epidemic and is now being recognized as the invisible illness of our day and age. And the sad reality is that it’s always the undiagnosed illnesses that are the most dangerous and deadly. Dr. Mark Mayfield defines loneliness as: “The state of being unseen or unnoticed—relationally, emotionally, mentally, physically, or spiritually. It’s marked by a deep sense of hopelessness.” And loneliness is more than just a feeling. It’s a disease pathway, meaning as loneliness increases, so do levels of anxiety, depression, substance use, and even suicide risk. According to a Cigna survey of over 20,000 adults: 54% felt no one truly knew them, 43% said their relationships didn’t feel meaningful, and 36% said they didn’t feel like they had anyone to turn to. Again, that’s not just concerning—it’s a crisis. Because no matter who you are, where you're from, or what you've been through, you were designed to be connected. For this reason as we are nearing the end of Mental Health Awareness Month, we are bringing on a very special guest who is an expert in human connection and leadership - Jordan Montgomery. Jordan is a USA Today bestselling author, renowned performance coach, and keynote speaker, trusted by elite business executives, sales teams, professional athletes, and entrepreneurs. Known for his dynamic presence and transformative insights, Jordan has shared the stage with countless luminaries such as Jon Gordon, John Maxwell, Angela Duckworth, and many others. Additionally, he and his wife, Ashley, lead Montgomery Companies, a powerhouse team of nationally recognized speakers and coaches. Whether in the boardroom or on the sports field, their team excels at helping leaders and teams reach peak performance. Their impressive client roster includes Fortune 500 companies like John Deere, Northwestern Mutual, and Principal Financial, as well as elite athletes, Olympians, and Super Bowl champions. In today’s conversation we will be discussing his most recent book, The Art of Encouragement, in order to help you more effectively lead with, serve, connect, and spread love with those you interact with. Jordan’s Website: https://www.montgomerycompanies.com/ Purchase Jordan’s Book, The Art of Encouragement - https://www.amazon.com/Art-Encouragement-Teams-Spread-Serve/dp/1394234473 Book Jordan to Speak: https://www.montgomerycompanies.com/speaking/ Listen to Jordan’s Podcast - Growth Over Goals - https://podcasts.apple.com/us/podcast/growth-over-goals/id1518666353 Discover more Christian podcasts at lifeaudio.com and inquire about advertising opportunities at lifeaudio.com/contact-us.

Join us at the Seven Figure Medicare Agent Summit: https://sevenfiguremedicareagentsummit.com/On this episode of the Seven Figures or Bust podcast, we address the growing trend of non-commissionable Medicare plans and what it means for agents. With major carriers like Aetna, Cigna, and Elevance Health shifting certain Medicare Advantage and Part D plans to non-commissionable status for 2025, agents face new challenges in maintaining their income streams . We delve into strategies for navigating these changes, including diversifying your product offerings and ensuring compliance with CMS guidelines when discussing non-commissionable plansGets Leads from Lead heroes here: https://leadheroes.com/Learn more about getting your own VA with Hire Heroes here: https://app.hireheroes.com/signup?fpr=christian43Join our free private Facebook group for insurance agents: https://www.facebook.com/groups/551409828919739/Welcome to the Christian Brindle channel brought to you by Christian Brindle & Christian Brindle Insurance Services. This channel is here for the sole purpose of bringing training, tips, success stories, and personal development from Christian Brindle. Christian is a published author, hosts the ever popular Everything Medicare Podcast, and made six figures in the Medicare business by the time he was 25 years old.

In der heutigen Folge sprechen die Finanzjournalisten Anja Ettel und Holger Zschäpitz über Nvidias neuen KI-Billigchip, Hoffen auf das Pharma-Revival und was diese Woche sonst noch wichtig wird. Außerdem geht es um VanEck Uranium and Nuclear Technologies ETF (WKN: A3D47K), Uranium Energy, Oklo, Nuscale, Health Care Select Sector SPDR (WKN: A14QB2), CVS Health, United Health Group, Eli Lilly, Cigna, Danaher, Thermo Fisher Scientific sowie Gilead, Sandoz, J&J, Roche, Sanofi, VanEck Quantum Computing ETF (WKN: A418QM) Google, IBM, Microsoft, Sony, Boeing, Honeywell, IonQ, Rigetti und D-Wave. Wir freuen uns an Feedback über aaa@welt.de. Noch mehr "Alles auf Aktien" findet Ihr bei WELTplus und Apple Podcasts – inklusive aller Artikel der Hosts und AAA-Newsletter.[ Hier bei WELT.](https://www.welt.de/podcasts/alles-auf-aktien/plus247399208/Boersen-Podcast-AAA-Bonus-Folgen-Jede-Woche-noch-mehr-Antworten-auf-Eure-Boersen-Fragen.html.) [Hier] (https://open.spotify.com/playlist/6zxjyJpTMunyYCY6F7vHK1?si=8f6cTnkEQnmSrlMU8Vo6uQ) findest Du die Samstagsfolgen Klassiker-Playlist auf Spotify! Disclaimer: Die im Podcast besprochenen Aktien und Fonds stellen keine spezifischen Kauf- oder Anlage-Empfehlungen dar. Die Moderatoren und der Verlag haften nicht für etwaige Verluste, die aufgrund der Umsetzung der Gedanken oder Ideen entstehen. Hörtipps: Für alle, die noch mehr wissen wollen: Holger Zschäpitz können Sie jede Woche im Finanz- und Wirtschaftspodcast "Deffner&Zschäpitz" hören. Außerdem bei WELT: Im werktäglichen Podcast „Das bringt der Tag“ geben wir Ihnen im Gespräch mit WELT-Experten die wichtigsten Hintergrundinformationen zu einem politischen Top-Thema des Tages. +++ Werbung +++ Du möchtest mehr über unsere Werbepartner erfahren? [**Hier findest du alle Infos & Rabatte!**](https://linktr.ee/alles_auf_aktien) Impressum: https://www.welt.de/services/article7893735/Impressum.html Datenschutz: https://www.welt.de/services/article157550705/Datenschutzerklaerung-WELT-DIGITAL.html

Investment banks downgrade UnitedHealth Group amid ongoing challenges. The Food and Drug Administration changes its COVID-19 guidelines, restricting the shots to certain at-risk groups. And, Cigna's Evernorth subsidiary will cap the cost of pricy weight loss drugs for members. Those stories and more coming up on today's episode of Gist Healthcare podcast. Hosted on Acast. See acast.com/privacy for more information.

A conversation with Wendell Potter“We need to get Wall Street out of control of our healthcare system.”This is the opinion of Wendell Potter, a former health insurance exec for Humana and Cigna turned whistleblower - exposing the practices of his former industry and choosing to seek change.Wendell knows first-hand how these insurers operate, how they incentivize profit, how they use their financial power to influence Congress, and ultimately - what it will take to rip up the status quo and renew our healthcare system for the benefit of the American population. —-We spoke about  how money has corrupted our democracy and specifically our health, why we should all get involved on a community level to move away from a financially motivated healthcare system, and what true Follow me on Instagram and Facebook @ericfethkemd and checkout my website at www.EricFethkeMD.com. My brand new book, The Privilege of Caring, is out now on Amazon! https://www.amazon.com/dp/B0CP6H6QN4

Former healthcare executive Wendell Potter reveals how insurance giants sacrifice patient care for profits and deploy deceptive tactics to fight reform.Full show notes and resources can be found here: jordanharbinger.com/1151What We Discuss with Wendell Potter:Wendell Potter was a healthcare insurance executive at Cigna and Humana, and became a whistleblower after witnessing Americans seeking healthcare at a fairground in animal stalls, revealing how profit motives override patient care.Insurance companies prioritize shareholder value over patient needs, with executives compensated primarily in stock, directly incentivizing them to deny claims and care to maximize profits.Companies create "front groups" with misleading names like "Healthcare America" to manipulate public opinion against healthcare reform, using fear tactics to protect industry profits.When denied coverage, patients should appeal decisions, enlist their doctors' help, and consider becoming a "squeaky wheel" through media attention, as companies often reverse denials when facing public scrutiny.There is growing bipartisan support for healthcare reform and breaking up massive healthcare conglomerates. By understanding your rights, documenting communications, and persistently appealing denials, you can better navigate the system while supporting meaningful change.And much more...And if you're still game to support us, please leave a review here — even one sentence helps! Sign up for Six-Minute Networking — our free networking and relationship development mini course — at jordanharbinger.com/course!Subscribe to our once-a-week Wee Bit Wiser newsletter today and start filling your Wednesdays with wisdom!Do you even Reddit, bro? Join us at r/JordanHarbinger!This Episode Is Brought To You By Our Fine Sponsors:The Cybersecurity Tapes: thecybersecuritytapes.comDesign.com: Free trial: design.com/jordanBetterHelp: 10% off first month: betterhelp.com/jordanShopify: 3 months @ $1/month (select plans): shopify.com/jordanHomes.com: Find your home: homes.comWant to hear a conversation with an ex-royal/ex-SEAL who fights to end human trafficking and illegal organ harvesting? Check out episode 868 with Remi Adeleke!See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Angela Holland: Preferred Dental Solution Join Elevated GP: www.theelevatedgp.com Free Class II Masterclass - Click Here to Join Follow @dental_digest_podcast Instagram Follow @dr.melissa_seibert on Instagram Angela Holland is a seasoned dental insurance expert and the founder of Preferred Dental Solutions, a firm dedicated to helping dental practices nationwide maximize their insurance reimbursements. With over a decade of experience in the dental industry, Angela has become a trusted advisor for practices aiming to enhance their financial performance through strategic insurance management. Angela began her career in dental consulting in 2013, quickly recognizing the challenges practices faced with insurance billing and revenue cycle management. In 2018, she founded Preferred Dental Services, focusing exclusively on remote insurance revenue cycle management. Under her leadership, the company grew rapidly, culminating in its acquisition by a NASDAQ-traded corporation in 2023.  Following this success, Angela launched Preferred Dental Solutions, offering specialized services in insurance credentialing and PPO fee negotiations. Her team provides live progress updates and guarantees increased insurance revenue, reflecting her commitment to transparency and results.  Angela's expertise has led to significant financial improvements for her clients, with some practices reporting revenue increases of up to 46% with major insurers like Cigna and MetLife. Her dedication to empowering dentists and her deep understanding of the insurance landscape make her a valuable partner for practices seeking growth and efficiency. For more information or to connect with Angela, visit Preferred Dental Solutions.

Welcome to HALO Talks! In this episode, host Pete Moore sits down with Tom Morrissey, founder of Solo Health Collective and a seasoned veteran in the health insurance world, to unpack the complex—and often misunderstood—landscape of healthcare for self-employed professionals. With a career spanning decades at Cigna and deep experience serving everyone from major corporations to solo entrepreneurs, Tom shares how he's dedicated his life to helping small business owners and solopreneurs access quality, affordable health coverage. Despite his success in the large-account space, Tom noticed an unmet need: Small and mid-sized businesses were often overlooked by health insurers and weren't given access to innovative cost-saving or health improvement solutions that benefited the bigger corporations.  If you're a personal trainer, group ex instructor, wellness coach, massage therapist, or any professional running your own business, this conversation is a game changer. Tom explains the differences between HMO and PPO plans, why traditional ACA ("Affordable Care Act") options can fall short for the self-employed, and how his company's unique group plan model is designed to deliver robust coverage (including preventive care and nationwide access) with transparent pricing and minimal out-of-pocket surprises. Plus, hear about partnerships with organizations like the Freelancers Union, and learn how innovative features like HSAs can work for you—even covering perks like fitness classes. On the healthcare issues facing entrepreneurs, Morrissey states, "We saw the growth. It depends on who you listen to, but estimates are that there'll be 90M solo business, owners by 2028. I want to say there's about 60M now. The guys and gals that own these businesses . . . I think, especially when they're young and healthy, are the ones that get screwed the most in healthcare. You know? All they really have access to is ACA plans." Key themes discussed Challenges of health insurance for solopreneurs and self-employed. Differences between PPO and HMO health plans. Underwriting and rate-setting for solo business owners. Preventive care coverage and HSA/HSA usage changes. Brand trust versus new insurance providers like Solo Health Collective. Partnerships with organizations such as Freelancers Union. Long-term cost sustainability for healthier insurance collectives. A few key takeaways:  1. Solo Health Plans Are Filling a Major Gap: Morrissey explains how traditional health insurance often overlooks solopreneurs and small business owners, especially in the HALO space. His company, Healthy Business Group via Solo Health Collective, is designed specifically to provide comprehensive PPO health plans to solo business owners—offering an alternative with more flexibility and better coverage than typical limited-network ACA and HMO options. 2. Key Plan Advantages-PPO Access and Maximum Out-of-Pocket Clarity: Unlike many ACA or HMO plans that limit provider networks and access, Solo Health Collective offers nationwide PPO plans, granting members broader access to healthcare providers. They also have a straightforward approach: After the deductible is met, there's no coinsurance—meaning your deductible is the absolute maximum you'll pay out-of-pocket for covered expenses (with all preventative care covered in full and not applied to the deductible). 3. Plans Are Designed for Solo Business Owners With Medical Underwriting: To qualify, you must have an EIN (Employer Identification Number) and be a business owner without employees. Members go through a quick, five-question medical underwriting process, which allows the plan to provide tailored age, and location-based rates—often significantly less expensive than standard individual policies, especially for young, healthy professionals. 4. HSAs and Innovative Usage for Wellness Are Embraced: The plan supports health savings accounts (HSAs), and Tom shared how, thanks to evolving IRS guidelines and technology, people can now use HSA funds for things like fitness classes and certain wellness purchases, expanding the value of pre-tax health dollars and encouraging preventive care and healthy lifestyles. 5. Long-Term Value and Stability Solo Health Collective is built on a self-insured, level-funded model supported by robust reinsurance (Odyssey A+ rated.) This allows the collective to stabilize costs and potentially keep renewal increases lower than the industry average—especially as it pools healthier, proactive members like those in the wellness and fitness industries. The long-term goal is to create a sustainable, affordable health insurance solution specifically for entrepreneurs who have historically been underserved. Resources:  Thomas Morrissey: https://www.linkedin.com/in/tommorrisseyhbg  Solo Health Collective: https://hbgsolo.com   How It Works: https://hbgsolo.com/how-it-works  Freelancers Union: https://freelancersunion.org/insurance/health  Promotion Vault: http://www.promotionvault.com HigherDose: http://www.higherdose.com

In this episode, Melissa Skottegaard, Chief Communications Officer and Chair of The Cigna Group Foundation, shares how the organization is tackling youth mental health, veteran housing insecurity, and health equity through a data-driven, employee-powered community engagement strategy designed for deeper, more focused impact.

President Trump nominates acting Centers for Disease Control and Prevention Director Susan Monarez for the permanent role. Cigna finalizes the sale of its Medicare Advantage business in a multibillion dollar deal. And, a new survey finds that a sizeable number of healthcare leaders plan to leave their organizations within the year. We'll get those stories—and more—coming up on today's episode of the Gist Healthcare podcast. Hosted on Acast. See acast.com/privacy for more information.

An area's largest health system is now out-of-network for many people who have Cigna. If you bought this detergent, take note. Four bridges in Pennsylvania have been recommended to be evaluated over a “risk of collapse.” Plus, someone — somehow — managed to illegally dump about 4,000 tires in a park.