Podcasts about make changes

Monique Burke buys more stop-loss than almost anyone in this business, and the rate is the last thing she looks at.She built OneDigital's stop-loss center of excellence starting with a spreadsheet, an offshore data team, and one other person. It's doubled year over year since. Now it covers everything from marketing a case through claims reimbursement, plus TPA and captive selection, because every time they solved one problem another piece of the stack turned out to be broken.We get into what she checks first on every quote and why, the non-negotiables she won't place a policy without, and why a panel needs roughly ten carriers to function. Monique also explains why a carrier quoting 10% of what you send them is normal, what happens when an employer keeps a sick employee on the plan out of loyalty and finds out too late they weren't eligible, and what her underwriter and nurse are seeing right now in the claims data.If you've ever put a stop-loss spreadsheet in front of a client, this one will change how you read it. Tune in.“We look at what are the contingencies, what are the exclusions. Those are the two things I will always go to first, because that's going to make or break the policy or the decision. I don't care what your rate is." - Monique Burke, OneDigitalThank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro: Building a Stop-Loss Center of Excellence(00:05:00) Why the TPA Choice Makes or Breaks the Plan(00:10:25) If You Want Change, You Have to Make Changes(00:16:00) Meet Monique Burke(00:20:00) Tell Me the Problem, Not the Solution(00:24:00) Building the Panel From Scratch(00:26:00) Why You Need Ten Carriers(00:28:00) They Quoted 48 Out of 412(00:34:00) Pharmacy and the Claims Nobody Caught(00:38:30) What the Claims Data Looks Like Right Now(00:43:00) The Two Things She Checks First(00:46:30) The Non-Negotiables(00:48:30) The Eligibility Trap(00:55:00) Inside OneDigital(01:05:00) When a Captive Beats Going It Alone(01:13:00) Closing ThoughtsKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

Monique Burke buys more stop-loss than almost anyone in this business, and the rate is the last thing she looks at.She built OneDigital's stop-loss center of excellence starting with a spreadsheet, an offshore data team, and one other person. It's doubled year over year since. Now it covers everything from marketing a case through claims reimbursement, plus TPA and captive selection, because every time they solved one problem another piece of the stack turned out to be broken.We get into what she checks first on every quote and why, the non-negotiables she won't place a policy without, and why a panel needs roughly ten carriers to function. Monique also explains why a carrier quoting 10% of what you send them is normal, what happens when an employer keeps a sick employee on the plan out of loyalty and finds out too late they weren't eligible, and what her underwriter and nurse are seeing right now in the claims data.If you've ever put a stop-loss spreadsheet in front of a client, this one will change how you read it. Tune in.“We look at what are the contingencies, what are the exclusions. Those are the two things I will always go to first, because that's going to make or break the policy or the decision. I don't care what your rate is." - Monique Burke, OneDigitalThank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro: Building a Stop-Loss Center of Excellence(00:05:00) Why the TPA Choice Makes or Breaks the Plan(00:10:25) If You Want Change, You Have to Make Changes(00:16:00) Meet Monique Burke(00:20:00) Tell Me the Problem, Not the Solution(00:24:00) Building the Panel From Scratch(00:26:00) Why You Need Ten Carriers(00:28:00) They Quoted 48 Out of 412(00:34:00) Pharmacy and the Claims Nobody Caught(00:38:30) What the Claims Data Looks Like Right Now(00:43:00) The Two Things She Checks First(00:46:30) The Non-Negotiables(00:48:30) The Eligibility Trap(00:55:00) Inside OneDigital(01:05:00) When a Captive Beats Going It Alone(01:13:00) Closing ThoughtsKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

A basic will can cost you $300 to over $1,000, and a full estate plan up to $2,500 - but skipping it could cost your family even more. So when exactly should you update yours, and is there a cheaper way? Learn more at https://paulrichman.legalshieldassociate.com/ The Digital Dominator City: Pueblo West Address: 1021 N Market Plz Website: https://paulrichman.legalshieldassociate.com Phone: +1 743 247 8326

The pork industry is calling for more clarity around 'country of origin' labelling when it comes to their products, but the Government won't make any changes. Plenty of Kiwi shoppers think they're buying locally sourced bacon, pork, or ham - but that's often not the case. NZPork chief executive Brent Kleiss says these products can be labelled, but it's often on the back of the packaging in small lettering and the rest of the marketing can be misleading. "What we'd really like to see is a bit of a change to make it much easier for consumers to know where their bacon and ham that they're purchasing actually comes from." LISTEN ABOVESee omnystudio.com/listener for privacy information.

The U.S. Department of Agriculture is reminding farmers that deadlines to purchase or make changes to crop insurance coverage for fall-planted crops are approaching. NAFB News ServiceSee omnystudio.com/listener for privacy information.

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Making changes in our lives.  It is difficult.  But how do we decide when to make those changes?  And what evidence is useful to these transformations?

Auckland councillors are discussing potential changes to the controversial Plan Change 120. The plan will dictate the scale of housing intensification across the city. Today, councillors must decide whether to make changes, or withdraw parts of the original version of the plan before it goes out again to the public. Erin Johnson has been at the meeting and spoke to Lisa Owen.

Send us Fan MailIt was a wet and wild day of golf at The Travelers Championship. Erik was there, dodging raindrops. The guys are also talking about LeBron, Lonnie Hawkins, and the birthday game. The ED/BC Podcast. You think you hate it now, but wait until you listen to it.

Leila Rahimi and Marshall Harris welcomed on Matt Spiegel and Laurence Holmes for the daily transition segment.

Former Minister Peter Dunne says it's time to look at MP allowances. NZ First MP Andy Foster's claiming a $36,000 accommodation allowance for the Wellington family home he bought 26 years ago. He's moved to the Wairarapa, but lives in the capital when Parliament sits. Dunne says MPs should be reasonable. "Fair enough if you're required to commute to Wellington each week to get some accommodation, to get some recompense for that, but not fair enough to simply turn your own home into your home away from home in Wellington when you've lived there for most of your life." National's Louise Upston's also claiming the allowance for her Wellington property. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Hour 2 - Do you think that John Henry cares about the sell the team chants? Greg's biggest issue with the Red Sox as of today. They Said It hears from hopeful Red Sox players and more!

11am-12pm - Hour in full

Sunday-Thursday at 11:15 PM ET. Hosted by Emmanuel Acho with LeSean “Shady” McCoy and "Carebear" Kieran Hickey-Semple, the show brings hot takes, cold truths, and culturally forward conversations that connect sports and culture in real time. ⁠⁠⁠YouTube⁠⁠⁠ ⁠⁠⁠Twitter⁠⁠⁠ ⁠⁠⁠Instagram⁠⁠⁠ ⁠⁠⁠TikTok⁠⁠ Facebook Discord PrizePicks x Speakeasy Pick MORE or LESS. Win cash. Talk your talk. Play $5, get $50 in lineups →  PrizePicks | America's #1 Fantasy Sports App Learn more about your ad choices. Visit megaphone.fm/adchoices

It's a heated debate every day… but no one drops the gloves. Get your daily diagnosis on the health of the Habs. The Habs Lunch with Sean Campbell and Mitch Gallo.

For more, check out The Profit Circle: patreon.com/theprofitcircle

Nat Edwards, Damian Barrett and Josh Gabelich discuss Tuesday’s biggest footy stories on the AFL Daily Round Table, On today’s episode: The AFL has released findings into the Elijah Hollands situation, handing down a $75k fine to Carlton Damian Barrett talks about his latest column on Toby Greene and his future at the Giants Could Patrick Cripps return to Perth next year? Josh Gabelich offers insight into his interview with James Hird about overcoming injury setbacks and how Max King can learn from the Bombers legend Nat Edwards counts down the top five rookie selections of all time Plus, regular segments Get It Off Your Chest, Fact or Furphy, Out on a Limb. Subscribe to AFL Daily and never miss an episode. Rate and review wherever you listen to podcasts.See omnystudio.com/listener for privacy information.

HAPPY MONDAY MOTIVATION! Welcome back to another episode of "No More Excuses"! You said Q2 would be different… so is it? In this follow-up episode, I cut through the excuses and get brutally honest about what's actually changed since your Q1 reset. If your actions haven't shifted, your results won't either. This episode challenges you to stop overthinking, stop avoiding, and start executing on what you already know needs to be done. No fluff. No resets. Just truth, standards, and real accountability. We have 8 weeks left in Q2, so plenty of time to get your shit together and make it happen! Until next time! Cheers, Sandi

On this week’s edition of Inside the (Rob) Parker, Rob discusses why it's time for the Mets to move on from Carlos Mendoza, a new nickname for a pair of Yankees sluggers, and a hidden gem in Washington that you need to pay attention to. Vernon Wells stops by, another edition of Pocket Protector, and The Showdown! Subscribe and download all of the latest Inside the Parker podcasts and follow Rob on Twitter!! #OddCoupleSee omnystudio.com/listener for privacy information.

What Really Is Going On? We'll Be Talking More NBA Playoffs Come Monday; The Difficulty of Comparing Eras in Sports, Denver Nuggets Have to Make Changes, Is Ja on the Table?

Details on the possible expansion of the March Madness Tournament. Plus NBA playoffs scores

Willard and Dibs discuss the latest on Steve Kerr's future, react to Brian Windhorst's latest on the situation, and break down the likelihood of him returning to the Warriors as their head coach next season.

Sometimes everything just feels… heavy. Especially at the end of the school year. You're exhausted, you've been up all night, taking care of everyone else all day, and when you finally have a chance to look up all you see are the problems. The house feels out of control, you feel hopelessly behind, and you realize that you're not sure you have the energy for this today (like, any of it). Here's the thing… when you recognize that feeling of being surrounded by a thick, heavy, wanna quit fog, that's not the time to make decisions. Unfortunately, that's the time when it feels the most tempting to throw in the towel for the day (or even for the year) and look for a way out. In this episode, I'm talking about these moments of desolation and why, as homeschool moms, we have to be so careful not to make big changes when we're tired, overwhelmed, or emotionally drained. Not only because it's nearly impossible to think clearly and logically when you feel like this, but also because you just don't make great decisions from those emotions. So what do you do instead? Today, I'll walk you through what it looks like to continue the path you've already chosen with the Lord, with less pressure, less perfection, and more peace while you wait for the fog to lift. Grab your earbuds and join me for this short, sweet, and to the point episode for your busy end of school season: When to Make Changes (and When NOT to!) Get the details for Happy, Holy Mama here!

In this episode of Overtime on Inferno, we dive into some of the biggest Counter-Strike talking points right now, including whether Spirit are better off without hally, the changes brewing at MOUZ, and the big question of who might replace FalleN on FURIA.On top of that, we cover oskar's retirement, recap IEM Rio, and finish up with our Razed picks for BLAST Rivals and CCT Global Finals.Join the discord:https://discord.gg/X3jU4djxUKCheck out Logan's newsletter:https://thestratbook.gg

If you are thinking about switching up your horse's brand of feed, consider these factors first.To read this article, visit: https://thehorse.com/1119521/how-to-safely-make-changes-to-your-horses-feed/.This magazine article has been transformed for your listening pleasure using AI resources.

Eric discusses the importance of hustle and effort in baseball, specifically referencing a play by Raphael Devers where he failed to dive for a ball at first base. He believes Devers' lack of hustle is a reflection of his attitude and that it's affecting the team's performance. Eric also mentions that the Giants need to make changes if they want to win this season. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Eric discusses the importance of hustle and effort in baseball, specifically referencing a play by Raphael Devers where he failed to dive for a ball at first base. He believes Devers' lack of hustle is a reflection of his attitude and that it's affecting the team's performance. Eric also mentions that the Giants need to make changes if they want to win this season. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

On this episode of Nailing the Apex Tim Hauraney and Adam Wylde are joined by Julianne Cerasoli from UOL Brazil and ESPN's Nate Saunders to talk about the prospect of regulation changes in F1, the issues with qualifying, possible solutions for the issues plaguing the F1 grid and MORE! 00:00 Driver sentiment on the 2026 F1 regulations 12:27 What happened to Ollie Bearman and his car? 22:14 How to fix qualifying 32:05 Are there any quick fixes the FIA can implement now? 39:20 Were these shortcomings avoidable? 44:15 Regulation change timeline 53:14 The season ahead... Follow Nailing the Apex on TikTok, Instagram and Youtube! Instagram - @nailingtheapex TikTok - @nailingtheapex Youtube - @NTAPod Follow Tim Hauraney on Twitter / X: @TimHauraney Follow Adam Wylde on Twitter / X: @AdamWylde Visit https://sdpn.ca for merch and more. Follow us on Twitter (X): @sdpnsports Follow us on Instagram: @sdpnsports For general inquiries, email: info@sdpn.ca Learn more about your ad choices. Visit megaphone.fm/adchoices

One of the hallmarks of top tier companies is to anticipate the wants, and needs of customers. if your company routinely assesses the necessary components of customer success, you will always be one step ahead of creating bad experiences. Anticipating customer desires is a well-constructed pathway to ensuring favorable deliverables, and levels of customer satisfaction that exceed buyer expectations.Support the show

T-minus one hour to Tamperfest! As we count down to NFL free agency, we speculate what might happen with our big 6 free agents and consider who the Seahawks might have their eye on. We can assume that Ken Walker will be wearing a different uniform in 2026 and we can also assume that another team is going to be overpaying for the veteran running back based off his post-season performance. :30- Maxx Crosby is headed to the Ravens and as much as we would have liked to have him on the team, we are fine with the Seahawks not giving up two draft picks and paying that big salary. Yes, the Seahawks did have the draft capital, but the Ravens draft picks seem more enticing given that the Seahawks are picking 32nd this year and hopefully late in the first round next year as well. :45- We have a BIG WBC matchup tonight as the US and Mexico face off. Should there be some changes to the WBC format?

T-minus one hour to Tamperfest! As we count down to NFL free agency, we speculate what might happen with our big 6 free agents and consider who the Seahawks might have their eye on. We can assume that Ken Walker will be wearing a different uniform in 2026 and we can also assume that another team is going to be overpaying for the veteran running back based off his post-season performance. :30- Maxx Crosby is headed to the Ravens and as much as we would have liked to have him on the team, we are fine with the Seahawks not giving up two draft picks and paying that big salary. Yes, the Seahawks did have the draft capital, but the Ravens draft picks seem more enticing given that the Seahawks are picking 32nd this year and hopefully late in the first round next year as well. :45- We have a BIG WBC matchup tonight as the US and Mexico face off. Should there be some changes to the WBC format? See omnystudio.com/listener for privacy information.

In this message we follow up the previous sermon about the lies we believe - now we turn to the word and see what it is we are to do change in our lives in order to be freed from these lies. 

The California Air Resources Board (CARB) is facing scrutiny over its Cap-and-Investment program, with PBF Energy warning that proposed amendments could decimate in-state refining capacity. Assembly Bill 1207, championed by Assemblywoman Jacqui Irwin, aims to extend the cap and trade program to 2045, but critics argue it will skyrocket costs and force refineries to close. PBF Energy, which supplies a significant portion of California's fuel including 33% of the state's gasoline production, warns of dire consequences. The potential loss of refineries threatens job losses, disrupts fuel supplies, and endangers California's energy independence. The proposed changes could disproportionately affect California's economy and residents. Understanding CARB's actions and their impact on California's energy sector is crucial for reasonable people.

Carl and Mike get back into Falcons talk as they share thoughts on the competition committee and the meetings they will host to address several rules, including how the players are lined up on kickoff and replay assist.

First, we tell you why Caltrans is preparing to make changes to carpool lanes. Then, Chula Vista's Police Chief says city leaders are trying to force her out. Next, we tell you how scientists are using satellites and lasers to track climate change all the way from space. Plus, a celebration around Black creators taking place this upcoming weekend.

Evan isn't in love with the Mets big trade for Peralta, callers react, a look ahead to Championship Sunday, plus a Giant reshaping.

Nick and Jonathan question if the Browns will be aggressive this offseason when it comes to the quarterback position. Then, they're joined by John Fanta of NBC Sports, and they debate if the BIG10 now runs through Indiana.

Steelers choke Away another playoff win where do they go from here well I explain the truths that need to happen why we are where we are and more

The best discussions about the Miami Heat this week from The Joe Rose Show, Tobin & Leroy, and Hochman, Crowder & Solana

The best discussions about the Miami Heat this week from The Joe Rose Show, Tobin & Leroy, and Hochman, Crowder & Solana

The best discussions about the Miami Heat this week from The Joe Rose Show, Tobin & Leroy, and Hochman, Crowder & Solana

In the third hour, Matt Spiegel and Laurence Holmes were joined by ESPN analyst Matt Bowen to break down the Bears' 19-16 loss to the Lions on Sunday and to preview Chicago's showdown against rival Green Bay in the wild-card round. After that, Spiegel and Holmes discussed Bears quarterback Caleb Williams drawing a lofty comparison to an NFL legend.

Matt Spiegel and Laurence Holmes were joined by ESPN analyst Matt Bowen to break down the Bears' 19-16 loss to the Lions on Sunday and to preview Chicago's showdown against rival Green Bay in the wild-card round.

Andy and Randy talk about Arthur Blank's decision to fire Raheem Morris and Terry Fontenot, the re-assigning of Rich McKay, and possibly bringing Matt Ryan aboard.

(00:00-27:32) – Query & Company opens on a Tuesday with Jake Query and producer Eddie Garrison discussing the decision by the Indianapolis Colts to start Riley Leonard on Sunday in the regular season finale against the Houston Texans. (27:34-39:55) – Jake pays off his tease by sharing what he discovered last night while watching the Indiana Pacers lose their ninth consecutive game. Is it time to be worried about Pascal Siakam and his future with the Pacers? (39:55-47:01) – The first hour of the show concludes with Jake Query and producer Eddie Garrison discussing Thursday’s College Football Playoff game between the Indiana Hoosiers and the Alabama Crimson Tide. (47:01-1:11:56) – Scott Agness from Fieldhouse Files joins Query & Company to talk all things Indiana Pacers with Jake Query. They discuss the concerns they have with how fatigues and worn out Pascal Siakam looks with the team struggling and him having to shoulder the load every single night. Scott pinpoints when the Pacers accepted that this was going to be a losing season and what message the front office is sending to the team by constantly bringing players in for that last roster spot. (1:11:56-1:26:53) – Jake Query continues his conversation on the problem with college athletics and how things are getting out of hand with coaches finding loopholes in athletic eligibility. He plays what Matt Painter had to say following Purdue’s win last night over Akron on the matter. (1:26:53-1:37:25) – The second hour of the show concludes with Jake Query being joined by Don Fischer from Pasadena to recap what his first day in California entailed before Thursday’s game against Alabama. Don highlights a player returning that won’t get mentioned a ton, comments on how special last year and this year have been for the faithful football fans, and hasn’t noticed anything different with how IU has operated in preparing for the game. (1:37:25-1:58:35) – ESPN.com’s Stephen Holder makes his weekly visit on Query & Company and his conversation with Jake Query starts out by discussing why the Indianapolis Colts are starting Riley Leonard on Sunday when they didn’t against the Jaguars two days ago. They also talk about the future of the franchise and why he ultimately believes both Shane Steichen and Chris Ballard will be back next season. (1:58:35-2:11:36) – Matt Weaver from 247 Sports joins Jake Query from the Indianapolis airport to continue previewing Thursday’s College Football Playoff game between the Indiana Hoosiers and the Alabama Crimson Tide. Matt provides an update on how healthy IU is going into the game, assesses if the Hoosiers have an advantage over the Crimson Tide if rain is in the forecast, and identifies something Curt Cignetti has done really well. (2:11:36-2:18:46) – Today’s show closes out with JMV joining Jake in studio and joins the conversation that Jake was having with Eddie as to who the best team is in the AFC & NFC.Support the show: https://1075thefan.com/query-and-company/See omnystudio.com/listener for privacy information.

Questions About The Constitution: How does a document that old stay relevant? What is the process to change it? How often is it changed? What are the foundational principles behind it? Why is it important? What holds it together? MORE! ===== THANK YOU TO OUR SPONSORS: Nutrition World: https://nutritionw.com/ Vascular Institute of Chattanooga: https://www.vascularinstituteofchattanooga.com/ The Barn Nursery: https://www.barnnursery.com/ Optimize U Chattanooga: https://optimizeunow.com/chattanooga/ Guardian Investment Advisors: https://giaplantoday.com/ Alchemy Medspa and Wellness Center: http://www.alchemychattanooga.com/ Our House Studio: https://ourhousestudiosinc.com/ Big Woody's Tree Service: https://bigwoodystreeservice.com/ ALL THINGS JEFF STYLES: www.thejeffstyles.com PART OF THE NOOGA PODCAST NETWORK: www.noogapodcasts.com Please consider leaving us a review on Apple and giving us a share to your friends! This podcast is powered by ZenCast.fm

We talk what changes OU might make this offseason Follow the Sports Animal on Facebook, Instagram and X PLUS The Morning Animals on XListen to past episodes HERESee omnystudio.com/listener for privacy information.

Ken Carman and Anthony Lima discuss the Cleveland Browns' lack of change throughout a 3-10 season, which includes more mistakes from the Browns' special teams unit.

WITH ALL THESE INJURIES PILING UP, THE SABRES SEASON GOING SOUTH FIOR A 15TH STRAIGHT SEASON, THE TIME IS NOW FOR TERRY PEGULA TO CLEAN HOUSE. THE FRANCHISE IS A JOKE, AND THE PLAYERS ARE EMBARRASSED TO BE HERE. Learn more about your ad choices. Visit megaphone.fm/adchoices

From 11/03 Hour 2: The Sports Junkies debate what changes Washington should make.