Podcast appearances and mentions of david saltzman

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Best podcasts about david saltzman

Latest podcast episodes about david saltzman

Healthcare Happy Hour
Protecting the Paycheck: The Strategic Role of Life & Disability Coverage

Healthcare Happy Hour

Play Episode Listen Later Aug 20, 2026


In this episode of The Benefits Brief, host David Saltzman sits down with Judy Buczek, director of group product management at Humana, to explore the strategic role life and disability insurance can play in protecting employees' financial well-being. Judy discusses how employer-paid and voluntary coverage can work together to protect families from unexpected income loss and highlights the importance of both short- and long-term disability coverage. She also shares strategies for benefits advisors to help employers strengthen their benefits packages, improve employee understanding and engagement, and better protect their workforce from financial uncertainty.

Healthcare Happy Hour
Turning Advocacy into Action: NABIP's Legislative Priorities

Healthcare Happy Hour

Play Episode Listen Later Aug 6, 2026


In this episode of The Benefits Brief, host David Saltzman sits down with Chris Vanderwolk, chairman of NABIP's Legislative Council, to discuss the association's legislative strategy and how members can play an active role in shaping healthcare policy. Chris explains NABIP's three-pronged approach: advancing model legislation, using the association's voice to influence federal policy, and responding quickly to state and local issues. He also highlights key legislative initiatives, the importance of grassroots advocacy, and practical ways benefits professionals can engage with lawmakers to help improve healthcare affordability, transparency, and consumer access.

Healthcare Happy Hour
Helping Clients Understand What's Really Driving Pharmacy Costs

Healthcare Happy Hour

Play Episode Listen Later Jul 30, 2026


In this episode of The Benefits Brief, host David Saltzman sits down with Zac Hanson, vice president of growth at RxPreferred, to discuss why pharmacy benefits remain one of the least transparent areas of healthcare spending—and what benefits advisors can do about it. Zac explains the factors driving pharmacy costs, including specialty medications and plan design, while exploring the importance of data transparency, proactive pharmacy management, and asking the right questions of PBMs. He also shares practical strategies to help advisors better understand their clients' pharmacy spend and make more informed recommendations that improve outcomes and control costs.

Healthcare Happy Hour
Smarter Strategies for Managing Group Medicare Costs

Healthcare Happy Hour

Play Episode Listen Later Jul 23, 2026


In this episode of The Benefits Brief, host David Saltzman sits down with Dr. Rebecca Colon, chief medical officer for Humana's Group Medicare Division, to discuss the key drivers behind rising healthcare costs in the group Medicare market and the strategies helping to improve outcomes while controlling expenses. Dr. Colon explores the growing role of value-based care, preventive services, pharmacy management, and virtual care in reducing costs and enhancing member health. She also shares practical guidance for benefits advisors and plan sponsors on using data, engaging retirees, and partnering with health plans to build sustainable, long-term healthcare strategies.

Healthcare Happy Hour
Forward Together: Mychal Walker's Vision for NABIP

Healthcare Happy Hour

Play Episode Listen Later Jul 9, 2026


In this episode of The Benefits Brief, host David Saltzman sits down with newly installed NABIP President Mychal Walker to discuss his vision for the association and the priorities that will guide the year ahead. Mychal shares how NABIP is focused on strengthening financial stability, improving transparency and communication, expanding professional development, and enhancing advocacy efforts. He also highlights key initiatives across membership, technology, media, and leadership, while emphasizing the importance of collaboration as NABIP moves Forward Together to better serve members and advance the health insurance profession.

Healthcare Happy Hour
State of the Health Insurance Ecosystem

Healthcare Happy Hour

Play Episode Listen Later Jul 2, 2026


In the inaugural episode of The Benefits Brief—recorded live at the 2026 NABIP Annual Convention—host David Saltzman is joined by Katherine Hempstead, senior policy officer for healthcare at the Robert Wood Johnson Foundation, and Mike Smith, president of The Brokerage, Inc., for a wide-ranging discussion on the current state of the health insurance ecosystem. Together, they explore the key trends shaping healthcare today, including rising costs, affordability, ACA marketplace dynamics, Medicare, ICHRAs, long-term care, AI, and the evolving role of benefits advisors. The conversation offers valuable insights into where the industry stands today and the policy, market, and innovation trends that will shape its future.

Healthcare Happy Hour
The Hidden Networks Driving Healthcare Costs

Healthcare Happy Hour

Play Episode Listen Later Jun 18, 2026


In this episode of Healthcare Happy Hour, host David Saltzman sits down with Jim Jusko, chief strategy officer at Excel Health Plans, to explore how hospital systems, provider networks, and pharmacy benefit managers (PBMs) shape healthcare costs, competition, and consumer choice behind the scenes. Jim discusses the impact of consolidation, limited transparency, and anti-competitive practices on employers and consumers, while highlighting policy and market-based solutions that could improve affordability, increase competition, and create a more transparent healthcare system. He also shares his vision for a healthcare marketplace that better aligns incentives for employers, providers, and patients.

Healthcare Happy Hour
Medical Gaslighting, Patient Advocacy & Reclaiming Your Voice in Healthcare

Healthcare Happy Hour

Play Episode Listen Later Jun 11, 2026


In this episode of Healthcare Happy Hour, host David Saltzman sits down with Dr. Efrat LaMandre ("Dr. E"), nurse practitioner, author, and healthcare advocate, to discuss the growing issue of medical gaslighting and why so many patients feel dismissed by the healthcare system. Dr. E explores how medical training, system incentives, and communication gaps can contribute to these experiences, while offering practical strategies to help patients advocate for themselves, build the right care team, and navigate healthcare more effectively. The conversation also highlights the role benefit advisors can play in helping consumers find answers and achieve better health outcomes.

Healthcare Happy Hour
From Ideas to Action: How NABIP Members Are Shaping Employer Health Policy

Healthcare Happy Hour

Play Episode Listen Later Jun 4, 2026


In this episode of Healthcare Happy Hour, host David Saltzman sits down with Bianca Saul and Chris Vanderwolk of NABIP's Employer Working Group to explore how member-driven ideas become real policy initiatives. They discuss the group's role in identifying challenges facing employer-sponsored health plans and developing practical solutions that can be advanced at the state and national levels. The conversation highlights two model legislative proposals focused on healthcare transparency, cost management, and employer access to claims data, while also offering insight into how NABIP members can get involved in the advocacy process. Bianca and Chris share how collaboration, volunteer leadership, and grassroots engagement are helping shape the future of employer-sponsored healthcare.

Healthcare Happy Hour
ACA Marketplace Final Rule: Fraud Prevention, Enrollment & Broker Impact

Healthcare Happy Hour

Play Episode Listen Later May 28, 2026


In this episode of Healthcare Happy Hour, host David Saltzman sits down with Emily Trevino, senior managing partner at Wise Partners and a leader in NABIP's Individual Working Group, to break down the new CMS Marketplace Integrity and Affordability Final Rule. Emily discusses how the rule aims to address fraud and enrollment issues in the ACA marketplace while creating new challenges for consumers, carriers, and brokers. The conversation covers tighter verification requirements, changes to premium tax credit reconciliation, shortened enrollment windows, and increased oversight of brokers and agents, along with practical strategies for benefits professionals preparing for the next enrollment season.

Healthcare Happy Hour
The Power of “Yes, And” in Sales and Leadership

Healthcare Happy Hour

Play Episode Listen Later May 21, 2026


In this episode of Healthcare Happy Hour, host David Saltzman speaks with communication expert and Annual Convention Keynote Speaker John Colby about how improvisation skills can improve communication, sales, leadership, and networking. John explains how improv techniques help professionals think on their feet, listen more effectively, handle objections, and build stronger relationships through authentic conversations and “Yes, and” thinking. The discussion also explores how these strategies can improve client interactions, team collaboration, and overall confidence in both business and personal settings.

leadership sales david saltzman
Healthcare Happy Hour
AI, Cyber Threats & the Next Era of Benefits Advising

Healthcare Happy Hour

Play Episode Listen Later May 14, 2026


In this episode of Healthcare Happy Hour, host David Saltzman sits down with Daniel Metcalf, president of CyberFin and co-leader of NABIP's Cybersecurity & AI Task Force, to discuss how cyber threats and artificial intelligence are rapidly reshaping the health insurance and benefits industry. Daniel explains why the task force was created, the growing risks facing agencies and clients, and how increasingly sophisticated cyberattacks are targeting both businesses and vulnerable consumers. The conversation explores practical steps advisors can take to strengthen cybersecurity, comply with evolving regulations, and prepare incident response plans. Daniel also shares insights into how AI is transforming agency operations, improving scalability and client engagement, while highlighting the importance of responsible adoption, data protection, and maintaining the human relationships that remain central to the advisor role.

Healthcare Happy Hour
From Capitol Hill to the Client: How Policy Shapes Retirement & Healthcare

Healthcare Happy Hour

Play Episode Listen Later Apr 30, 2026


In this episode of Healthcare Happy Hour, host David Saltzman continues his conversation with Chris Orestis, president of Retirement Genius, shifting the focus from retirement planning to the intersection of healthcare policy, advocacy, and politics. Drawing on his experience in Washington, D.C., Chris reflects on how healthcare and insurance policy are shaped over time and why persistence, member engagement, and in-district advocacy are essential to driving change. The discussion explores the role benefits professionals can play in shaping policy, the importance of political participation and PAC support, and the major funding and entitlement debates likely to impact Medicare, Social Security, and the broader benefits landscape in the years ahead. Chris emphasizes that advisors who stay informed and engaged will be better positioned to serve their clients and help influence the future of the industry.

Healthcare Happy Hour
Retirement Reality Check: Healthcare Costs, Income Gaps & Long-Term Care

Healthcare Happy Hour

Play Episode Listen Later Apr 23, 2026


In this episode of Healthcare Happy Hour, host David Saltzman sits down with Chris Orestis, president of Retirement Genius, to explore the critical gaps in retirement planning—particularly when it comes to healthcare and long-term care costs. Chris explains how a lack of financial literacy and avoidance of difficult conversations leave many Americans unprepared for the realities of aging, often leading to crisis-driven decisions. The discussion highlights the growing importance of income planning, managing debt, and understanding longevity risk, as well as the significant financial and emotional impact of long-term care on individuals and families. Chris also outlines practical strategies for both consumers and advisors, emphasizing the need for early planning, diversified financial tools, and a more holistic, solution-oriented approach to retirement readiness in this first installment of a two-part series.

Healthcare Happy Hour
The Real Cost of Coverage: Insights from KFF Data

Healthcare Happy Hour

Play Episode Listen Later Apr 16, 2026


In this episode of Healthcare Happy Hour, host David Saltzman sits down with Lunna Lopez, senior survey manager at the Kaiser Family Foundation, to examine how rising healthcare costs are affecting consumers' insurance decisions and overall financial well-being. Drawing on recent KFF survey data, they explore how increases in premiums, deductibles, and out-of-pocket costs are forcing many marketplace enrollees to make difficult trade-offs—such as cutting back on basic household expenses or dropping coverage altogether. The conversation highlights the emotional toll of navigating coverage decisions, including widespread feelings of stress, confusion, and frustration, and discusses how affordability challenges may influence consumer behavior, market stability, and broader policy and voting dynamics.

Healthcare Happy Hour
Breaking Down the 2027 Medicare Advantage & Part D Final Rule

Healthcare Happy Hour

Play Episode Listen Later Apr 13, 2026


In this timely episode of Healthcare Happy Hour, host David Saltzman sits down with NABIP Medicare Advisory Group Chair Chalen Jackson for an in-depth discussion on the 2027 Medicare Advantage and Part D Final Rule, released last week. They break down key policy changes, including updates to Star Ratings and Part D provisions, and what they mean for both beneficiaries and advisors. The conversation also explores evolving market dynamics, expected pressure on plan benefits, and new flexibilities for agents that can improve workflow and client engagement. Chalen highlights how ongoing advocacy efforts helped shape many of these changes and offers practical guidance on how advisors can prepare for another challenging enrollment season.

Healthcare Happy Hour
From Admin to Advisor: How AI Is Transforming the Broker Role

Healthcare Happy Hour

Play Episode Listen Later Apr 2, 2026


In this episode of Healthcare Happy Hour, David Saltzman sits down with Will Johnson, CEO and co-founder of Gyde Health, to discuss how AI and modern technology are transforming the insurance broker industry. They explore the historical underinvestment in brokers despite their role as the front door to the healthcare system, and how AI can automate administrative work to free up capacity for growth and client engagement. Will also shares his vision for the future of advisors as comprehensive, technology-enabled guides who support consumers across insurance, health, and financial decisions.

Healthcare Happy Hour
CAA 2026 Unpacked: Compliance, Compensation & Fiduciary Responsibility

Healthcare Happy Hour

Play Episode Listen Later Mar 26, 2026


In this episode of Healthcare Happy Hour, David Saltzman sits down with Jennifer Berman, chief legal officer of Lumelight, to break down the key provisions of the Consolidated Appropriations Act (CAA) 2026. The discussion focuses on expanded transparency requirements, including new prescription drug reporting and significant changes to compensation disclosure rules impacting brokers, TPAs, and other health plan vendors. Jennifer also explores the growing fiduciary responsibilities for plan sponsors, increased litigation risk, and the need for structured governance and documentation. The conversation highlights both the challenges and opportunities these evolving regulations present for plan sponsors, vendors, and advisors.

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Healthcare Happy Hour
Decoding the 2027 ACA Marketplace Rule: What Brokers Need to Know

Healthcare Happy Hour

Play Episode Listen Later Mar 23, 2026


In this episode of Healthcare Happy Hour, David Saltzman sits down with Joshua Brooker, co-founder and chief visionary officer of SnapHealth and chair of NABIP's Individual Market Working Group, to break down NABIP's 28-page comment letter to CMS on the proposed 2027 Notice of Benefit and Payment Parameters (NBPP). Drawing on the Working Group's expertise and insights, they explore key implications for the ACA market, including the impact on brokers, consumers, and carriers, as well as the revisions and proposals that could shape its future.

Healthcare Happy Hour
Precision Medicine in Practice: The Future of Personalized Healthcare

Healthcare Happy Hour

Play Episode Listen Later Feb 19, 2026


In this episode of Healthcare Happy Hour, David Saltzman interviews Lena Chaihorsky, co-founder and senior vice president of Payer Innovation at Alva10, discussing the concept of precision medicine and its implications for healthcare delivery. They explore the importance of pharmacogenomics, the role of brokers in implementing precision medicine, and the need for education among employers regarding these innovative healthcare solutions. Lena emphasizes the significance of drug efficacy and the financial implications of non-optimized medications, while also highlighting real-world applications and future directions for the NABIP's Precision Medicine Task Force.

practice precision medicine personalized healthcare david saltzman
Healthcare Happy Hour
From Broker to Media Expert

Healthcare Happy Hour

Play Episode Listen Later Feb 5, 2026


In this episode of Healthcare Happy Hour, host David Saltzman interviews Craig Gussin, president & CEO of Auerbach & Gussin. Craig shares his journey from starting in life and disability insurance to becoming a trusted media resource in health insurance. He discusses the importance of proactive media engagement, building relationships with media outlets, and effectively communicating with the public. Craig emphasizes the need for insurance professionals to position themselves as resources for consumers and the media, providing valuable insights and education. He also offers advice for aspiring media experts in the industry.

Healthcare Happy Hour
The Impact of Integrated Virtual Care on Healthcare Savings

Healthcare Happy Hour

Play Episode Listen Later Jan 29, 2026


Employers and health plans continue to face rising healthcare costs driven by chronic conditions, fragmented care delivery, and delayed access to services. In this episode of Healthcare Happy Hour, host David Saltzman speaks with Jon O'Toole, chief revenue officer of Recuro Health, about how integrated virtual care models—connecting primary care, urgent care, and behavioral health—are emerging as a response to these pressures. Drawing from industry data, case study insights, and market trends, the conversation explores how coordinated virtual care delivery can improve care quality while generating measurable cost savings across populations.

Healthcare Happy Hour
Broker Excellence & Our Shared Future

Healthcare Happy Hour

Play Episode Listen Later Jan 27, 2026


In this episode of Healthcare Happy Hour, host David Saltzman speaks with Dr. Darwin Hale, founder and CEO of Advocate Health Advisors, about the critical role of brokers in the healthcare system, particularly in Medicare Advantage. Dr. Hale shares his personal journey that led him to establish his company, emphasizing the importance of localized connections and trust in helping seniors navigate their healthcare options. The conversation also explores the distinction between advocacy and sales, the value of Medicare Advantage plans, and the future of healthcare innovation.

Healthcare Happy Hour
Engaging Members, Embracing Technology: A Conversation with Susan Rider

Healthcare Happy Hour

Play Episode Listen Later Jan 15, 2026


In this episode of Healthcare Happy Hour, host David Saltzman engages with NABIP President Susan Rider to discuss the evolving landscape of the benefits and insurance industry. They explore the fragmentation within the industry, the importance of member engagement, and the integration of technology and AI to enhance member services. Susan shares insights on professional development, the significance of designations, and the association's efforts to modernize its brand. The conversation also highlights the need for academic partnerships and the establishment of a rapid response media team to strengthen community engagement and advocacy efforts.

Healthcare Happy Hour
Bridging the Gap: Why Supplemental Health Benefits Matter More Than Ever

Healthcare Happy Hour

Play Episode Listen Later Nov 20, 2025


In this episode of Healthcare Happy Hour, host David Saltzman discusses the importance of supplemental health benefits with Diana Steinhoff, president and CEO, and John Feeney, vice president of group sales and market development, from Renaissance Life and Health. They explore the rising healthcare costs and how supplemental benefits can help cover out-of-pocket expenses for employees. The conversation highlights the perspectives of employers and employees regarding these benefits, the role of brokers in offering them, and emerging trends in the industry.

Healthcare Happy Hour
Empowering Agents, Strengthening Communities: Inside Your Health Idaho

Healthcare Happy Hour

Play Episode Listen Later Oct 23, 2025


In this episode of Healthcare Happy Hour, David Saltzman speaks with Pat Kelly, executive director and CEO of Your Health Idaho. They discuss the evolution of the health exchange since its inception in 2013, the critical role of agents and brokers in the enrollment process, and how a private sector mindset has enhanced customer experience. Pat shares insights on maintaining a competitive insurance market in Idaho, operational efficiency, and the impact of local agents in rural areas. They also address the potential implications of post-COVID subsidies and future innovations for sustainability.

Healthcare Happy Hour
The Vision Advantage: Enhancing Healthcare Through Eye Care

Healthcare Happy Hour

Play Episode Listen Later Oct 16, 2025


In this episode of Healthcare Happy Hour, sponsored by EyeMed, David Saltzman discusses the importance of vision benefits with Jason Rome, chief commercial officer, and Dr. John Lahr, senior medical director, from EyeMed. They explore how eye exams can play a crucial role in early detection of medical conditions, the impact of eye health on overall well-being and productivity, and how vision benefits can enhance employee satisfaction and retention in a competitive job market. The conversation emphasizes the need for brokers to effectively communicate the value of vision care to employers and the broader implications for healthcare costs.

Healthcare Happy Hour
The Benefits of ICHRAs for Employers and Employees

Healthcare Happy Hour

Play Episode Listen Later Oct 2, 2025


In this episode of Healthcare Happy Hour, David Saltzman interviews Ray Seaver, CEO of Zizzl Health, discussing the innovative Individual Coverage Health Reimbursement Arrangement (ICHRA) model. They explore how ICHRAs provide employers with a flexible way to offer health insurance, addressing key pain points such as affordability and employee satisfaction. The conversation delves into the employee experience, the importance of decision support tools, and the unique advantages of Zizzl Health's approach. They also touch on regulatory challenges, compensation models for advisors, and future trends in the ICHRA landscape.

Healthcare Happy Hour
Mastering In-District Meetings: A Guide for Healthcare Advocates

Healthcare Happy Hour

Play Episode Listen Later Sep 18, 2025


In this episode of Healthcare Happy Hour, sponsored by RxBenefits, host David Saltzman and Rick Israel, partner at Life Line Insurance Consultants, discuss the significance of in-district meetings with legislators for healthcare professionals. They explore strategies for scheduling these meetings, the importance of preparation, and how to build lasting relationships with legislators. The conversation also covers the engagement with state legislators and effective follow-up strategies to ensure ongoing communication and advocacy.

Healthcare Happy Hour
Resurgence of Long-Term Care Insurance: Trends and Insights

Healthcare Happy Hour

Play Episode Listen Later Sep 11, 2025


In this episode of Healthcare Happy Hour, David Saltzman and Steve Cain, director, sales & business development leader, at LTCI Partners, discuss the evolving landscape of long-term care insurance. They explore the current state of the market, the impact of demographic shifts, and the role of public programs in shaping private insurance conversations. The discussion highlights the importance of long-term care planning and the need for financial advisors to engage clients in these critical discussions. Looking ahead, they anticipate continued growth and demand for long-term care solutions as awareness increases.

Healthcare Happy Hour
Navigating the Big Beautiful Bill: Impacts on Healthcare

Healthcare Happy Hour

Play Episode Listen Later Sep 4, 2025


In this episode of Healthcare Happy Hour, David Saltzman speaks with Jessica Altman, Executive Director of Covered California, about the implications of the recent public law, often referred to as the 'Big Beautiful Bill.' They discuss its significant provisions affecting healthcare markets, particularly focusing on affordability, Medicaid changes, plan design, and the potential impact on consumers and providers. The conversation also touches on the likelihood of Congress extending enhanced premium tax credits and the challenges and opportunities that lie ahead for healthcare coverage in the United States.

Healthcare Happy Hour
Revolutionizing Healthcare: The Public Benefit Approach

Healthcare Happy Hour

Play Episode Listen Later Aug 28, 2025


In this episode of Healthcare Happy Hour, sponsored by AffirmedRx, David Saltzman speaks with Mike Stancil, Vice President of Strategic Alliances at AffirmedRx, about the unique structure of public benefit corporations in healthcare, emphasizing the importance of prioritizing patient care over profits. They discuss the need for transparency in pharmacy benefits, the growing awareness among employers regarding their options, and the complexities surrounding specialty medications. The conversation highlights the innovative approaches AffirmedRx is taking to ensure better healthcare outcomes while maintaining ethical standards.

Healthcare Happy Hour
Leave as a Benefit: What Today's Employees Really Want

Healthcare Happy Hour

Play Episode Listen Later Jul 24, 2025


In this episode of Healthcare Happy Hour, host David Saltzman interviews AbsenceSoft founder Seth Turner about the growing role of leave as a core employee benefit. Paid leave is no longer just a nice-to-have. It's a deciding factor for job seekers and a loyalty builder for current staff. Seth shares new data on the types of leave employees value most, how poor leave experiences drive turnover, and why delivering the right leave benefits with the right process can improve retention, morale, and compliance. HR and benefits leaders will walk away with practical strategies to support today's workforce more effectively, without adding to their administrative load.

Healthcare Happy Hour
The Complexity of Pricing Transparency

Healthcare Happy Hour

Play Episode Listen Later Jun 12, 2025


In this episode of Healthcare Happy Hour, sponsored by RxBenefits, host David Saltzman speaks with Whitney Reboulet, Senior Vice President of Account Management at RxBenefits. They discuss Whitney's journey into the pharmacy benefits management space, the challenges of pricing transparency, the importance of data in decision-making, and the impact of specialty drugs like GLP-1s. The conversation also covers formulary design, pharmacy network options, and the ongoing legislative trends affecting the industry.

Healthcare Happy Hour
The Food Babe's Journey to Health Advocacy

Healthcare Happy Hour

Play Episode Listen Later Jun 5, 2025


In this episode of Healthcare Happy Hour, host David Saltzman interviews Vani Hari, known as the Food Babe, who shares her journey from a childhood filled with processed foods to becoming a leading food activist. Vani discusses her health struggles, the pivotal moment that led her to change her diet, and her efforts to expose the truth about food ingredients and advocate for healthier options. She highlights her experience with Chick-fil-A, the challenges of navigating advocacy without being polarizing, and the importance of understanding food labels. Vani also addresses the dangers of glyphosate and offers advice for building a purpose-driven movement in today's digital landscape.

Healthcare Happy Hour
Understanding the 'Why': A Conversation with Connie Podesta on Communication, Change, and Leadership

Healthcare Happy Hour

Play Episode Listen Later May 22, 2025


In this episode of Healthcare Happy Hour, host David Saltzman interviews Connie Podesta, a renowned speaker known for her unique blend of psychology and humor. They discuss Connie's journey from being a talkative student to a successful speaker, the importance of understanding the 'why' behind actions, and how COVID has changed personal and professional dynamics. Connie emphasizes the need for flexibility in goal-setting and the significance of self-awareness in communication. She also shares insights on her upcoming speech at the NABIP Annual Convention, focusing on the challenges of dealing with others.

covid-19 conversations leadership david saltzman connie podesta
The ShiftShapers Podcast
#508 Is DI The Unicorn Product You Need? Part 2 with Don Schamay

The ShiftShapers Podcast

Play Episode Listen Later Mar 25, 2025 21:52 Transcription Available


Part 2 of our deep dive into  Disability Insurance (DI) on the ShiftShapers Podcast goes beyond the basics—diving into strategic implementation, evolving underwriting standards, and revenue-generating opportunities for advisors.In this episode, host David Saltzman continues the conversation with Don Schamay, Regional Director of Executive Benefits at The Principal, to explore how disability insurance can be a transformative tool for both clients and advisors. Don shares his insights on how DI is becoming more accessible and relevant across demographics—from young professionals starting their financial journey to high-income executives looking to protect complex compensation packages. He explains how advisors can offer real value by aligning DI solutions with life stages, business needs, and long-term financial goals.Whether you're an advisor looking to enhance your client relationships or a business owner considering executive benefits, this episode is packed with actionable insights and forward-thinking strategies.✅ Key Takeaways from the Episode:Young Professionals and DI DI isn't just for high earners—young professionals stand to gain the most by locking in coverage early, when they're healthy and premiums are lowest. Don shares how DI can be a cornerstone of early-stage financial planning.Business & Executive Solutions Business owners and C-suite professionals have unique income protection needs. Learn how DI solutions can be customized to protect not only personal income but also business continuity and executive benefits.Underwriting Improvements Traditional DI policies were often viewed as complex and hard to secure, but times have changed. With faster, more flexible underwriting options, advisors can now help clients get covered more efficiently than ever before.Revenue Potential for Advisors DI is more than a risk management tool—it's a practice-building opportunity. By positioning themselves as income protection strategists, advisors can deepen trust, retain clients, and grow revenue.Advisor Education and Client Communication Don emphasizes the advisor's role as an educator—helping clients truly understand the risks of income loss and the powerful ways DI can protect what they've worked so hard to build.⏳ Episode Timestamps:

The ShiftShapers Podcast
#507 Is DI The Unicorn Product You Need? Part 1 with Don Schamay

The ShiftShapers Podcast

Play Episode Listen Later Mar 18, 2025 22:31 Transcription Available


Welcome to Part One of our deep dive into Disability Insurance (DI) on the ShiftShapers Podcast! In this two-part series. In this episode, host David Saltzman converses with Don Schamay, Regional Director of Executive Benefits at The Principal, about the often-overlooked importance of disability insurance in a comprehensive health insurance strategy. Don shares his journey from military service to a seasoned expert in disability insurance, emphasizing the critical need for both individual and group disability insurance to protect one's income. The discussion covers the prevalence of disability, how group and individual disability insurances differ, and the significance of educating clients about income protection and insurance options.Key Takeaways from the Episode:✅ Importance of DI – Disability insurance (DI) is an often-overlooked but crucial component of a comprehensive health insurance strategy. It provides financial protection if one is unable to work due to illness or injury.✅ Group vs. Individual DI – Group disability insurance often covers basic salary and is a cost-effective, foundational benefit for businesses. Individual DI can supplement group coverage by filling in gaps and covering additional forms of income.✅ Coverage and Income Protection – Properly structured DI ensures that individuals have a safety net that covers up to 80% of their income, considering both salary and other compensations like bonuses and K1 distributions.✅ Market Trends – The DI market has become more competitive and robust, improving the quality and affordability of coverage. Newer carriers have entered the marketplace, stabilizing and enhancing the options available.✅ Advisor's Role – Advisors must educate clients on the significance of DI, ensuring that they understand the risks and the options for mitigating them. This includes both group and individual solutions tailored to the client's specific needs.Episode Timestamps:⏳ 00:00 Introduction to Disability Insurance 

Healthcare Happy Hour
Simplifying Screen Sharing for Better Client Engagement

Healthcare Happy Hour

Play Episode Listen Later Mar 6, 2025


In this episode of Healthcare Happy Hour, host David Saltzman interviews JĂłi Sigurdsson, founder and CEO of Crankwheel, about the innovative screen sharing platform designed to enhance communication, particularly for less tech-savvy users. They discuss the origins of Crankwheel, its unique features such as e-signature capabilities, recording functionalities, and tools for client engagement. JĂłi explains how Crankwheel simplifies the presentation process, making it accessible for agents working with older clients. The conversation also touches on the future of the platform and its commitment to user-friendly design.

Healthcare Happy Hour
Navigating Healthcare Politics with Chris Cillizza

Healthcare Happy Hour

Play Episode Listen Later Feb 13, 2025


In this episode of Healthcare Happy Hour, host David Saltzman interviews Chris Cillizza, a prominent political commentator, about the current state of healthcare legislation under the Trump administration. They discuss the priorities of the Republican party, the implications of government reduction, and the potential impact of Robert F. Kennedy Jr. on healthcare policy. The conversation also touches on the challenges posed by Big Pharma and the effectiveness of executive orders versus legislation in enacting healthcare reform.

Healthcare Happy Hour
Innovative Pharmacy Solutions for Modern Healthcare

Healthcare Happy Hour

Play Episode Listen Later Jan 23, 2025


In this episode of Healthcare Happy Hour, David Saltzman speaks with Vinay Patel, founder of MakoRx, about the evolving role of community pharmacies in the healthcare landscape. They discuss the challenges faced by these local pharmacies as they compete with big box competition, the importance of transparency in drug pricing, and innovative models like subscription services that aim to improve access and affordability. The conversation also touches on the potential for legislative reform to create a more equitable healthcare system.

innovative pharmacy modern healthcare vinay patel david saltzman
The ShiftShapers Podcast
#501 An ACA Author Looks Forward

The ShiftShapers Podcast

Play Episode Listen Later Jan 21, 2025 20:34 Transcription Available


Join us on this episode of ShiftShapers as host David Saltzman sits down with former New Jersey Congressman Rob Andrews, one of the key authors of the Affordable Care Act (ACA). Fifteen years after the ACA's passage and ten years since its implementation, Rob shares his journey from aspiring sports writer to influential lawmaker, his role in drafting the ACA, and thoughtful reflections on its successes, shortcomings, and future prospects. We delve into topics such as healthcare coverage expansion, consumer protections, cost control, value-based healthcare, mental health parity, and the ongoing provider shortage. Currently serving as the CEO of the Health Transformation Alliance, Rob continues to advocate for value-based health arrangements. Don't miss this insightful conversation for a deep dive into the evolution and future of U.S. healthcare.Key Takeaways:Journey to Congress and ACA Involvement: Rob Andrews initially aspired to be a sports writer but ended up in politics, driven by a mix of early professional exposure and personal family experiences. He was significantly involved in drafting portions of the Affordable Care Act (ACA).ACA Achievements: The ACA successfully expanded coverage to millions, with Medicaid expansion and subsidies being critical components. It improved patient rights, eliminating pre-existing condition exclusions, extending coverage for young adults, and removing lifetime and annual policy limits.Shortcomings and Future Goals: ACA did not sufficiently address healthcare costs. The prevailing issue is that the system rewards the number of procedures over the quality of outcomes. There's a need for more focus on preventive health measures, behavioral health services, and better alignment of payment to performance.Healthcare Provider Shortage: There is a significant shortage of primary care providers and behavioral health professionals. Proposed solutions include increased compensation and incentives such as debt relief programs for medical students who work in underserved areas.Value-Based Healthcare: Value-based healthcare is crucial for better outcomes, involving rewarding providers based on risk-adjusted, clinically sound outcomes Both quantitative metrics (e.g., reduced A1C levels in diabetics) and qualitative measures (e.g., patient self-evaluation) should be considered to assess quality effectively.Current Role: Rob Andrews is the CEO of the Health Transformation Alliance, focusing on pooling resources to buy healthcare more efficiently and promoting value-based arrangements among member companies.In This Episode00:00 Introduction and Guest Welcome00:41 Rob Andrews' Journey to Congress03:14 Involvement in ACA Drafting04:53 ACA Successes and Shortcomings07:03 Future Improvements and Value-Based Healthcare10:07 Addressing Primary Care and Behavioral Health Shortages16:13 Measuring Quality in Healthcare17:47 Rob Andrews' Current Role and Conclusion

Healthcare Happy Hour
Understanding the Impact of New Employer Reporting Bills

Healthcare Happy Hour

Play Episode Listen Later Dec 19, 2024


In this episode of Healthcare Happy Hour, host David Saltzman and NABIP Vice President of Congressional Affairs Michael Andel discuss two new healthcare bills that are set to impact employer reporting. They delve into the legislative process, the significance of the bills, and the future of healthcare under the new administration. The conversation highlights the importance of advocacy and the ongoing efforts to improve healthcare legislation.

Healthcare Happy Hour
Reviving Long-Term Care Insurance: Trends and Insights

Healthcare Happy Hour

Play Episode Listen Later Dec 5, 2024


In this episode of Healthcare Happy Hour, host David Saltzman speaks with NABIP Long-Term Care Working Group Chair Lori Martin and Steve Cain, director at LTCI Partners, about the current state of long-term care insurance. They discuss the resurgence of the market, driven by demographic shifts and state initiatives like the Washington CARES Fund. The conversation highlights the importance of worksite benefits, the variety of products available, and the role of NABIP in advocating for long-term care solutions. The episode emphasizes the need for education and awareness among employers and benefit professionals regarding long-term care planning.

Healthcare Happy Hour
Decoding Drug Pricing in America with RxBenefits

Healthcare Happy Hour

Play Episode Listen Later Nov 14, 2024


In this episode of Healthcare Happy Hour, sponsored by RxBenefits, host David Saltzman speaks with KC Armstrong, director of business development at RxBenefits, about the evolution of the pharmacy industry, the complexities of drug pricing in the U.S., and strategies for self-funded plans. KC shares insights on how RxBenefits has adapted to the rapidly changing landscape of healthcare and pharmacy, the role of Pharmacy Benefit Managers (PBMs), and the various factors influencing medication costs. The discussion also highlights the importance of data-driven strategies for employers looking to manage their pharmacy spend effectively.

Healthcare Happy Hour
Navigating the Changes in Medicare Commissions with NABIP Director of Public Policy & Advocacy Nicole LePetri

Healthcare Happy Hour

Play Episode Listen Later Oct 31, 2024


In this episode of Healthcare Happy Hour, sponsored by RxBenefits, host David Saltzman discusses the recent decision by Centene Corporation, through its subsidiary WellCare, to stop paying commissions to agents and brokers for enrolling Medicare beneficiaries in standalone Part D drug plans. Nicole LePetri, director of public policy & advocacy at NABIP, explains the implications of this decision for agents, brokers, and consumers, and discusses NABIP's advocacy efforts in response to these changes. The conversation also touches on the future outlook for NABIP members and the importance of feedback from agents and beneficiaries.

Healthcare Happy Hour
Effective Risk Management Strategies with CalSurance

Healthcare Happy Hour

Play Episode Listen Later Oct 24, 2024


In this episode of Healthcare Happy Hour, sponsored by RxBenefits, host David Saltzman speaks with John Jasinski, senior vice president at CalSurance, about the complexities of Errors and Omissions (E&O) insurance, particularly in the context of the evolving landscape of self-funded plans. They discuss the various risks associated with professional liability, the importance of effective communication and documentation, and strategies for advisors to protect themselves from potential claims. The conversation also touches on compliance issues and the tailored coverage options available for different types of professionals in the insurance industry.

strategy errors risk management strategies david saltzman
Healthcare Happy Hour
The Value and Role of NABIP PAC in Advancing NABIP's Mission with NABIP PAC Chair Joshua Haberman

Healthcare Happy Hour

Play Episode Listen Later Oct 10, 2024


In this episode of Healthcare Happy Hour, host David Saltzman interviews NABIP PAC Chair Joshua Haberman to discuss the importance of political action committees (PACs) in the health insurance industry. Haberman shares his journey into the insurance business and his involvement with NABIP. They explain what a PAC is and how NABIP PAC works to support legislative priorities related to access and affordability in healthcare. They also discuss the role of PACs in building relationships with elected representatives and the impact of PAC contributions on policy outcomes.

Healthcare Happy Hour
Revolutionizing Healthcare Access with Healthcare2U

Healthcare Happy Hour

Play Episode Listen Later Sep 26, 2024


In this episode of Healthcare Happy Hour, host David Saltzman speaks with Andy Bonner, co-founder, president and CEO of Healthcare2U, about his personal journey into the healthcare industry after a misdiagnosis led to a cancer diagnosis. Andy discusses the creation of Healthcare2U, a direct primary care model that aims to provide affordable healthcare solutions to underserved populations. The conversation explores the patient experience, the importance of board-certified care, and the challenges of addressing care deserts in the healthcare system.

Healthcare Happy Hour
Advocating for Changes in Medicare with NABIP Medicare Advisory Group Chair Danielle Roberts

Healthcare Happy Hour

Play Episode Listen Later Sep 19, 2024


In this episode of the Healthcare Happy Hour podcast, host David Saltzman interviews Danielle Roberts, the chair of the NABIP Medicare Advisory Group. They discuss Danielle's background in insurance and how she transitioned her business to focus solely on Medicare. They also talk about the role of the Medicare Advisory Group and their current initiatives, including lobbying CMS to remove agents from the third-party marketing organization definition and advocating for changes in Part D coverage. Danielle emphasizes the importance of staying informed and encourages Medicare advisors to join the NABIP Broker to Broker community for support and guidance.