Podcasts about PPO

MeidasTouch host Ben Meiselas continues his reporting on what it really looks like in streets in United States cities and towns as Trump unleashes ICE to disappear people. For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to https://askchapter.org/mtn Disclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Visit https://meidasplus.com for more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Sydney Sweeney Ends Woke Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Adult Children Decoded https://a.co/d/7A7Ss0H Thriving at the Crossroads https://a.co/d/aDN9en6 https://www.norserunestones.com Salmon Swimming Upstram and Homebound https://a.co/d/gPJ2ZYx Elixir https://a.co/d/gDtl3x5 Recovery Out Loud https://open.spotify.com/show/037OyEhc44WfJYgRBDxBvh https://www.excommunidate.com Solving Pain Without Pills https://a.co/d/aiW3KrB   The Contender from Delos https://a.co/d/i5ZuZSa Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

MeidasTouch host Ben Meiselas reports on Trump using bis gestapo goons at ICE to attack migrants and US citizens and citizens of Canada and Meiselas shares footage of it all being caught on camera. For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to https://askchapter.org/mtn Disclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Learn more about your ad choices. Visit megaphone.fm/adchoices

Europe Caves to Trump Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Adult Children Decoded https://a.co/d/7A7Ss0H Thriving at the Crossroads https://a.co/d/aDN9en6 https://www.norserunestones.com Salmon Swimming Upstram and Homebound https://a.co/d/gPJ2ZYx Elixir https://a.co/d/gDtl3x5 Recovery Out Loud https://open.spotify.com/show/037OyEhc44WfJYgRBDxBvh https://www.excommunidate.com Solving Pain Without Pills https://a.co/d/aiW3KrB   The Contender from Delos https://a.co/d/i5ZuZSa Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

Turning 26 comes with one major breakup, your parents' health insurance plan. In this episode of BullCast, we explore what happens when you age out of coverage and how to avoid being left uninsured. We kick things off with a rundown of Leonardo DiCaprio's best films (since he, too, cuts things off at 25), then break down confusing terms like HMO, PPO, HDHP, FSA, and more. If you're feeling unprepared for this adulting milestone, this episode is your quick guide to getting covered. The List: Leonardo DiCaprio's Best Movies Hashtags: #healthinsurance #leonardodicaprio #inception #happybirthday #turning26 #bullcast #bullcastpodcast Visit us online: www.bullcastpodcast.com Produced by Cameron Spann | Powered by Pickler Wealth Advisors Sound effects obtained from https://www.zapsplat.com

MeidasTouch host Ben Meiselas reports on Ghislaine Maxwell's brother Ian saying she fears for her life after recent developments even more than before at the same time as Trump is demanding his DOJ and FBI meet directly with her. For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to https://askchapter.org/mtn Disclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane Learn more about your ad choices. Visit megaphone.fm/adchoices

Want to attract better patients, reduce PPO dependence, and grow your practice with confidence? In this episode of The Thriving Dentist Show, Gary Takacs and Naren Arulrajah share real-world marketing lessons from thriving practices. Discover what actually works, why most dental marketing fails, and how top practices grow with long-term strategy. Book your FREE Marketing Strategy Meeting:    

Trump Calls Out Obama Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Thriving at the Crossroads https://a.co/d/aDN9en6 https://www.norserunestones.com Salmon Swimming Upstram and Homebound https://a.co/d/gPJ2ZYx Elixir https://a.co/d/gDtl3x5 Recovery Out Loud https://open.spotify.com/show/037OyEhc44WfJYgRBDxBvh https://www.excommunidate.com Solving Pain Without Pills https://a.co/d/aiW3KrB   The Contender from Delos https://a.co/d/i5ZuZSa Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

MeidasTouch host Ben Meiselas reports on more evidence resurfacing on Trump's dark past that he can't hide from. For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to https://askchapter.org/mtn Disclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Visit https://meidasplus.com for more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Tulsi Gabbard is an American Hero Raising Chess Knight https://a.co/d/8q05bU0 Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Thriving at the Crossroads https://a.co/d/aDN9en6 https://www.norserunestones.com Salmon Swimming Upstram and Homebound https://a.co/d/gPJ2ZYx Elixir https://a.co/d/gDtl3x5 Recovery Out Loud https://open.spotify.com/show/037OyEhc44WfJYgRBDxBvh https://www.excommunidate.com Solving Pain Without Pills https://a.co/d/aiW3KrB   The Contender from Delos https://a.co/d/i5ZuZSa Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

Trump is Furious Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Thriving at the Crossroads https://a.co/d/aDN9en6 https://www.norserunestones.com Elixir https://a.co/d/gDtl3x5 https://www.excommunidate.com Solving Pain Without Pills https://a.co/d/aiW3KrB   The Contender from Delos https://a.co/d/i5ZuZSa Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

MeidasTouch host Ben Meiselas reports on Ghislaine Maxwell's latest move after Trump continues the cover up of his dark past. For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to https://askchapter.org/mtn Disclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode of The Stress-Free Dentist Podcast, Dr. Eric Block is joined by Dave Monahan, CEO of Kleer and Membersy, to explore how dental membership plans are helping dentists move away from insurance dependence and take back control of their profitability. From automation and compliance to patient behavior and small business opportunities, Dave lays out why a well-run membership plan is no longer optional, but essential. Whether you're a new practice looking to build loyalty fast or an established office ready to drop PPO plans, this conversation will help you rethink your business model and your revenue stream.  

Charlie Kirk ON AIR Apology Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Salmon Swimming Upstram and Homebound https://a.co/d/gPJ2ZYx Elixir https://a.co/d/gDtl3x5 https://www.excommunidate.com Solving Pain Without Pills https://a.co/d/aiW3KrB   The Contender from Delos https://a.co/d/i5ZuZSa Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

MeidasTouch host Ben Meiselas reports on how African nations are taking major action against Trump behind the scenes as Trump weakens the United States and African nations align closer with China. For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to https://askchapter.org/mtn Disclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Visit https://meidasplus.com for more! Learn more about your ad choices. Visit megaphone.fm/adchoices

Pam Bondi Panics Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Elixir https://a.co/d/gDtl3x5 Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

What does it take to build a dental practice that's not only profitable today but still thriving decades from now? In this episode of The Thriving Dentist Show, dental business coach Gary Takacs and co-host Naren Arulrajah reveal four proven strategies for long-term success in dentistry. You'll learn how to build a rock-solid dental practice foundation, reduce PPO insurance dependence, master dental marketing, and create a positive team culture. Inspired by business expert Jim Collins (Built to Last) and backed by real-world case studies, this episode is your blueprint for creating a high-performing, future-ready dental practice.  

Pam Bondi Out at the White House Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Elixir https://a.co/d/gDtl3x5 https://www.excommunidate.com Plant Powered Plates https://a.co/d/jb9MOBx The Shadow Talk https://a.co/d/gwovsEP The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

MeidasTouch host Ben Meiselas reports on Donald Trump's disastrous dinner with Israel Prime Minister Benjamin Netanyahu. For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to https://askchapter.org/mtn Disclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane Learn more about your ad choices. Visit megaphone.fm/adchoices

Tucker Carlson Reall Did It Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Elixir https://a.co/d/gDtl3x5 https://www.excommunidate.com Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

Trump and The Big Beautiful Bill is a Big Win Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Elixir https://a.co/d/gDtl3x5 Plant Powered Plates https://a.co/d/jb9MOBx How to Train a Dog with the Happy Dog Blueprint  The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

Dr. Snyder criticizes dentists for feeling controlled by insurance companies, DSOs, and their own staff, likening their situation to colonial oppression. He emphasizes the importance of breaking free from these constraints to achieve true independence and success. He outlines a 90-day plan for dentists to improve their practices, including identifying and removing tyrants, focusing on attracting, converting, and delivering, and potentially dropping PPO plans to increase profitability. He also encourages dentists to embrace hard work and systems to build a better business and provide superior patient care.Listen in!Thank You for enjoying this episode of Delusional: Winning the Weekly War of DentistryRESOURCES:Learn more about LEGIONSubscribe to DELUSIONAL: Winning The Weekly War PodcastWrite a Review on iTunes‎

In today's Part 2 episode, Dr. Mark Costes dives deep into the tactical side of building a scalable and profitable dental practice. He outlines his proven frameworks for streamlining operations, conducting effective team meetings, and mastering key performance indicators (KPIs). Dr. Costes shares real-world examples from his journey managing multiple practices, emphasizing the importance of organizational charts, performance reviews, and clear leadership expectations. He also breaks down the true cost of procedures, from crown preps to implants, so you can make data-driven decisions—especially when considering insurance plans or expanding your services.  With insights on staff retention, associate training investment, and systemizing roles through time journaling, this episode is a must-listen for any dentist looking to grow efficiently without burnout. The episode closes with powerful audience Q&A, addressing everything from managing multiple cultures across locations to building a fee-for-service startup in a PPO-heavy world. EPISODE RESOURCES https://www.truedentalsuccess.com Dental Success Network Subscribe to The Dentalpreneur Podcast

Trump WINS CBS 60 Minutes Lost Bigly Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Solving Pain Without Pills https://a.co/d/aiW3KrB   The Contender from Delos https://a.co/d/i5ZuZSa Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site   LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

MeidasTouch host Ben Meiselas reports on hell breaking loose in Congress as the Senate votes on the disastrous budget bill and the bill works its way back to the house. Chapter: For free and unbiased Medicare help, dial 82-MEDICARE (826-334-2273) to speak with our trusted partner, Chapter, or go to askchapter.org/mtnDisclaimer: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options. Visit https://meidasplus.com for more! Remember to subscribe to ALL the MeidasTouch Network Podcasts: MeidasTouch: https://www.meidastouch.com/tag/meidastouch-podcast Legal AF: https://www.meidastouch.com/tag/legal-af MissTrial: https://meidasnews.com/tag/miss-trial The PoliticsGirl Podcast: https://www.meidastouch.com/tag/the-politicsgirl-podcast The Influence Continuum: https://www.meidastouch.com/tag/the-influence-continuum-with-dr-steven-hassan Mea Culpa with Michael Cohen: https://www.meidastouch.com/tag/mea-culpa-with-michael-cohen The Weekend Show: https://www.meidastouch.com/tag/the-weekend-show Burn the Boats: https://www.meidastouch.com/tag/burn-the-boats Majority 54: https://www.meidastouch.com/tag/majority-54 Political Beatdown: https://www.meidastouch.com/tag/political-beatdown On Democracy with FP Wellman: https://www.meidastouch.com/tag/on-democracy-with-fpwellman Uncovered: https://www.meidastouch.com/tag/maga-uncovered Coalition of the Sane: https://meidasnews.com/tag/coalition-of-the-sane Learn more about your ad choices. Visit megaphone.fm/adchoices

Zohan Ended His Campaign for Mayor of New York City Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Elixir https://a.co/d/gDtl3x5 Recovery Out Loud https://open.spotify.com/show/037OyEhc44WfJYgRBDxBvh https://www.excommunidate.com Solving Pain Without Pills https://a.co/d/aiW3KrB   The Contender from Delos https://a.co/d/i5ZuZSa Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site   LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

Dr. Snyder discusses common financial leaks in dental practices, emphasizing the need for dentists to track and address these issues. He highlights significant losses from PPO write-offs, missed appointments, and unscheduled treatments, estimating annual losses in the six figures. He advises dentists to focus on profit retention, train staff to improve communication and follow-up, and consider dropping PPOs if they're detrimental. He also stresses the importance of weekly audits and tracking to identify and fix these leaks. Listen in!Thank You for enjoying this episode of Delusional: Winning the Weekly War of DentistryRESOURCES:Learn more about LEGIONSubscribe to DELUSIONAL: Winning The Weekly War PodcastWrite a Review on iTunes‎

Unlocking better insurance reimbursements isn't about luck—it's about knowing the rules of the PPO game and playing to win!In this episode, we sit down with Dana Moss, an expert in PPO insurance allowables, to reveal the negotiation secrets that empowered her (and countless dental practices) to dramatically boost revenue. Dana's hands-on approach, honed over two decades of successfully managing and negotiating on behalf of dental offices, proves that with the right tactics, dentists can finally take control of their income streams.From demystifying negotiation timelines with major players like Delta Dental and MetLife, to understanding how to use percentile data and savvy step-by-step processes, Dana guides you through the strategies that work in today's PPO landscape. This conversation is packed with advice—covering fee balancing, building genuine relationships with insurance reps, and handling stalled negotiations—along with practical guidance on how even small practices can take a DIY approach. If maximizing PPO revenue and navigating insurance with confidence are your goals, this episode is your roadmap!What You'll Learn in This Episode:Why negotiating PPO allowables is non-negotiable for increased practice revenueHow to strategically time and approach negotiations with major PPOsProven tactics for fee balancing and setting competitive office feesHow percentile data can inform smarter out-of-network UCR feesStep-by-step processes for successful, organized negotiationHandling pushback: what to do when insurance companies refuseThe right (and wrong) way to leverage your network participationBuilding strong relationships with insurance reps for better outcomesDIY negotiation resources and tips for practices of every sizeKey principles for long-term, profitable PPO participationListen now and discover how you can take charge of your practice's PPO negotiations for lasting financial growth.‍‍Sponsors:‍CareStack: Modern, Secure, Cloud-Based Dental Software for Growing Your Practice! With state-of-the-art features including Online Appointments, Integrated Payments, Text Reminders and more. Click the link here for a special offer: thedentalmarketer.lpages.co/carestack‍Guest: Dana MossBusiness Name: PPO Dental ConsultingCheck out Dana's Media:‍Website: ppodentalconsulting.comEmail: dana@ppodentalconsulting.com‍Want the PPO Negotiation Kickstart Kit? Send this episode to 1 friend, screenshot it, and send it to Michael at: @thedentalmarketer, michael@thedentalmarketer.site, or in our Facebook group!‍Love the Podcast? Let Us Know How We're Doing on Apple Podcasts!‍Host: Michael Arias‍Website: The Dental Marketer Join my newsletter: https://thedentalmarketer.lpages.co/newsletter/‍Join this podcast's Facebook Group: The Dental Marketer Society‍Please don't forget to share with us on Instagram when you are listening to the podcast AND if you are really wanting to show us love, then please leave a 5 star review on iTunes! [Click here to leave a review on iTunes]‍p.s. Some links are affiliate links, which means that if you choose to make a purchase, I will earn a commission. This commission comes at no additional cost to you. Please understand that we have experience with these products/companies, and I recommend them because they are helpful and useful, not because of the small commissions we make if you decide to buy something. Please do not spend any money unless you feel you need them or that they will help you with your goals.‍

Candace Owens Offers Reward Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Recovery Out Loud https://open.spotify.com/show/037OyEhc44WfJYgRBDxBvh https://www.excommunidate.com Solving Pain Without Pills https://a.co/d/aiW3KrB   Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

In this episode of The Thriving Dentist Show, Gary Takacs explores one of the most common challenges dentists face: knowing when a patient is truly ready to say yes to ideal, comprehensive care. He shares a powerful yet simple question that helps reveal your patient's readiness - no pressure, no guessing. You'll also hear a relatable analogy comparing comprehensive dentistry to fine dining, illustrating how the environment you create in your practice plays a key role in treatment acceptance. Gary and co-host Naren Arulrajah dig into mindset shifts, ways to overcome fear of rejection, and how to design a patient experience that supports high-value care. They also discuss practical strategies to reduce PPO dependence and attract patients who truly value the kind of dentistry you love to provide. If you're ready to increase case acceptance and help more patients say yes to life-changing care, this is an episode you won't want to miss. Listen now!  

AOT2 and Ugochi discuss OOU indecent dress code conduct that went viral, Edo state police issues a warning over missing persons, Weekly Essentials, Believe it or not and other news that made the rounds this week.OUTLINE00:00 - Introduction 00:00 - Introduction20:00 - Catch up01:04:15 - X of the week01:10:35 -  Believe it or not01:50:55 - Weekly essentials02:00:42 - The PPO of the Edo state police issues a warning over missing persons02:04:50 - Prop and Flop of the week02:10:00 - Sign out--------------------------------------------234 Essential on Twitter and Instagram.Write us: fanmail@234essential.comDonate to 234 Essential: https://donate.stripe.com/bIYfZw6g14juf1m8wxNewsletter: https://234essential.com/

Trump Gets Angry Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com Recovery Out Loud https://open.spotify.com/show/037OyEhc44WfJYgRBDxBvh Plant Powered Plates https://a.co/d/jb9MOBx LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

In today's episode, Dr. Killeen dives into one of the trickiest parts of running a dental practice—PPO decisions and revenue cycle management. He shares hard-earned lessons from his own experience, including why negotiating up to the 95th percentile made a big financial difference. You'll also get tips on setting up systems for insurance claims, benefit verification, and improving collections. Whether you're launching a startup or tightening up an established office, this episode is packed with practical advice to help you keep more of what you earn. https://www.addisonkilleen.com/events/

In this episode, we dive into the growing trend of non-commissionable Medicare Advantage plans and what it means for agents and the industry. Josh Slattery, Executive VP of The Brokerage Inc. and a seasoned expert in the Medicare space, explains that carriers are labeling certain plans as non-commissionable primarily to curb financial losses,  often driven by low profitability, plan redundancy, or rising costs. A major talking point is UnitedHealthcare's decision to make 15% of its PPO portfolio non-commissionable, impacting over 100 plans nationwide. The episode also explores the financial strain caused by the V28 risk adjustment model, the Inflation Reduction Act (IRA), and unfavorable post-COVID utilization trends. Despite these headwinds, agents are encouraged to: Stay informed on carrier changes Leverage technology to improve efficiency Prioritize client retention to build long-term value Consider cross-selling ancillary products to offset lost commissions The episode emphasizes that field agents remain critical in navigating local markets and client relationships, even amid shifting compensation structures. Learn more about partnering with The Brokerage Inc. by visiting our website, www.thebrokerageinc.com. Remember to like, share, and subscribe to our show!  New episodes are available every Tuesday. Join our Community! LinkedIn: https://www.linkedin.com/company/the-brokerage-inc-/   Facebook:  https://www.facebook.com/thebrokerageinc/  Instagram:  https://www.instagram.com/thebrokerageinc/  YouTube:  https://www.youtube.com/@TheBrokerageIncTexas  Website:  https://thebrokerageinc.com/ 

Tulsi Gabbard Fired Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com/ https://www.excommunidate.com Solving Pain Without Pills https://a.co/d/aiW3KrB   The Contender from Delos https://a.co/d/i5ZuZSa Plant Powered Plates https://a.co/d/jb9MOBx How to Train a Dog with the Happy Dog Blueprint https://a.co/d/2x33NU5 The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

Mark Levin takes on MTG Help finding a MEDICARE  PLAN is ALWAYS FREE call 805-754-3033 for my Medicare Partner (I may earn a commission) Save up to 80% off Top MyPillow Prodcuts with our Promo Code KANE at Checkout https://www.mypillow.com/kane Thank you to our Top Patreon Supporters! Andrew and Connie, Cristine, ETW, Chuck, Pamela, Nick, Wesley,  Heather, David, Maria in Texas, Alice, LeeZep, Shawana, George, Brandon, John S, Frank, Dale,David,Laura B, Rob L. SFjr. Support the show and become a Patreon Supporter! https://www.patreon.com/realbriancraigshow https://briancraigshow.com/ Plant Powered Plates https://a.co/d/jb9MOBx The Flower Story https://seanfeenybooks.square.site LaPorta Roofing  https://www.laportaroofing.com Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.    

Client who's husband passed away, importance of life insurance.  Beware of commercials for Medicare and dental. 5 recommended PPO plans.  Getting rid of Medicaid??

Dealing with dental insurance can feel like a never-ending maze—especially when you're unsure whether you're getting the reimbursement you deserve. In this episode, we're joined by Adriana Steinberg of Apex Reimbursement Specialists to talk about how dental practice owners can take control of their insurance strategy and boost profitability through effective PPO fee negotiation, credentialing, and billing improvements. Topics covered in this episode: The current insurance landscape and its impact on dental revenue How PPO fee negotiation works (and why it matters) Credentialing strategies that avoid lost income Outsourced vs. in-house dental billing How to benchmark and track your reimbursement trends Connect with Adriana: https://www.apexreimbursementspecialists.com Visit us at willowcfo.com for more resources and to subscribe to our newsletter.

In this episode of the Less Insurance Dependence Podcast, Gary Takacs and Naren Arulrajah unravel one of the most frustrating and often hidden realities of PPO resignation: umbrella plans. Many dentists think they've successfully resigned from a few insurance plans, only to find themselves unknowingly locked into a much larger web of networks. Gary and Naren explain what umbrella plans are, why they exist, how they're strategically designed to confuse and fatigue dental teams, and what you can do about it. Book your free marketing strategy meeting with Ekwa at your convenience. Additionally, at the end of the session, get a free analysis report to find out where your practice stands online. It's our gift to you! https://www.lessinsurancedependence.com/marketing-strategy-meeting/  If you're looking to boost your case acceptance rates and enhance patient communication, you can schedule a Coaching Strategy Meeting with Gary Takacs. With his experience in helping practices thrive, Gary will work with you on personalized coaching, ensuring you and your team are prepared to present treatment plans confidently, offer financing options, and communicate the value of essential dental services. https://www.lessinsurancedependence.com/csm/ 

Struggling to balance efficiency with patient connection in your dental practice? In this episode of the Thriving Dentist Show, Gary Takacs shares expert tips on how to increase patient trust, improve case acceptance, and create a new patient experience that builds lifelong loyalty. Learn how to reduce PPO dependence while delivering exceptional care—and hear actionable local SEO strategies from Naren Arulrajah to help your dental office rank higher on Google Maps. Perfect for dentists, dental teams, and practice owners looking to grow a relationship-driven, profitable dental practice.

Lee Camp digs into the new US/ Palantir partnership to track everyone. Plus the new ceasefire plan. PLUS the new plan to go after Russia. PLUS much more.To learn more about Chapter Medicare Advice, call 757-349-8232 or go to AskChapter.org/Camp *Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.*Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.

Lee Camp digs into the recent Venezuelan elections, 10 horrible things hidden inside Trump's "beautiful" bill, and moreTo learn more about Chapter Medicare Advice, call 757-349-8232 or go to AskChapter.org/Camp *Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.*Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.

Have you ever wondered how the insurance plans you accept today could make or break the sale of your dental practice someday? In this powerful episode, Michael Walker sits down with Kim McCleskey and Kyle Francis from Professional Transition Strategies to uncover how your current insurance participation, especially with PPO plans, can dramatically affect the value and marketability of your dental practice. Kim and Kyle share real-world stories, actionable advice, and clear steps for dentists who are planning a future transition or simply want to strengthen their financial foundation. They discuss common misconceptions about reimbursement rates, the role of insurance in buyer interest, and how to begin making smart, strategic changes. Book your free marketing strategy meeting with Ekwa at your convenience. Plus, at the end of the session, get a free analysis report to find out where your practice stands online. It's our gift to you! https://www.lessinsurancedependence.com/marketing-strategy-meeting/  If you're looking to boost your case acceptance rates and enhance patient communication, you can schedule a Coaching Strategy Meeting with Gary Takacs. With his experience in helping practices thrive, Gary will work with you on personalized coaching, ensuring you and your team are prepared to present treatment plans confidently, offer financing options, and communicate the value of essential dental services. https://www.lessinsurancedependence.com/csm/ 

The former Israeli Prime Minister Ehud Olmert has accused Israel of war crimes. Plus the US and Germany have decided to remove all range restrictions for Ukraine.To learn more about Chapter Medicare Advice, call 757-349-8232 or go to AskChapter.org/Camp *Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.*Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.

Lee Camp and Eleanor Goldfield cover Trump's new massive giveaway to the rich, cuts for the poor. Plus, Israel sh---ing at diplomats, and much more!To get FREE help navigating Medicare and Medicare Advantage, call 757-349-8232 or go to AskChapter.org/Camp *Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. *Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.

Fred Heppner of Arizona Transitions is back for part 2 of his chat with Kiera! Life comes at you fast, and sometimes, it comes in the form of a surprise. Kiera and Fred talk about creating an exit strategy today for your departure from dentistry, as well as what the economics look like for moving on from a practice. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Kiera Dent (00:01) Hello, Dental A Team listeners. This is Kiera and I am so excited for you to have part two of me and Fred Heppner going through associates, DSOs, how to really grow this. You guys, we had such an incredible first half of this episode. It was so long and so much information that I wanted to break it into two parts. So here's part two. I hope you enjoy. And as always, thanks for listening. I'll catch you next time on the Dental A Team podcast.   Kiera Dent (00:24) should people be talking   when they're in their 20s 30s or is it something we're like start to think about it I know Ryan and I from Dentist advisors we we talk shop about this quite often of like there I mean there are studies that show that when you retire you actually start to atrophy in life and ⁓ there isn't as much of a purpose and so we talk often of like how can we continue that   mental stamina, the things that are going to fulfill us, whether it's working or something else of philanthropy, like whatever is going to keep you going as a human, whether you're working in the chair or you're not, I think is important. So that's I was curious of like, really probably connecting with you three to five years before we think we might retire, but with the caveat of, hey, if something were to happen to me, what would kind of be my exit strategy? your like death list like I do, like if I die, this is what's going to happen. It's creepy, but it's awesome.   Fred Heppner (01:15) No, it's, it's creepy and it is awesome. And at the same time, it's a really good conversation to have because if we're three to five years out, then one of the first things to do is say, okay, so what's going to happen if you're not here? And that carries on to the discussion we had earlier. So once the discussion about, what do want to do when you, when you retire or you stop practicing dentistry, then the questions start coming up. What about the economics?   Kiera Dent (01:27) Mm-hmm.   Fred Heppner (01:44) So in any... Yep, absolutely.   Kiera Dent (01:44) I was just going to say, like, is it sell? Is it DSO? it? And also, I mean, this   to me also, I think might exponentially accelerate some people's plans because the DSOs are hot and it's like 10x EBITDA. That might accelerate your retirement or your sell because you're on a wave right now that who knows if in the next 20, 30, 40 years we'll be there. Fred, I'm super curious, like, how is this whole DSO model maybe shifting it for transitions? Or is it? I'm curious.   Fred Heppner (02:13) It is, it's shifted quite a bit, but what it's shifted is a real desire for dentists to be able to sell their businesses and release the management responsibility and to have somebody else take that over. 15, 20. Yeah. I just want to do, I just want to do dentistry. I don't want to manage a business. I don't want to manage people. Um, I don't want to run the company. I want to be able to practice my trade. Well,   Kiera Dent (02:22) you   The dream for every business owner. ⁓   Exactly.   Fred Heppner (02:43) I can tell you that in the last 15, 20 years, it's certainly exploded in dentistry and not in a bad way. And here's why. Dentists graduating from dental school today need a place to work. The banks that loan money to dentists to buy dental practices are looking for dentists that have a couple years experience in dentistry. They have a production track record. The banks can see what it is that the dentist can do. Chair aside.   a good credit score and some liquidity, usually 8 to 10 % of the purchase price of the business that they're looking at in cash. So one of the things to consider is graduating dentists should be able to make the minimum payments on their debt, on their student loans, on what debt they have, and begin to put money away as quickly as possible to gain some liquidity. So as we look at the equation of   what DSOs are doing, they're providing them with a place to work. Because as dentists come out, I mean, the majority of dental practices that I work with, maybe you can echo this or discuss it, are just single dentist practices. Right, they don't have a, somebody called it a plus one at some point time, and I thought, okay, that's decent. So you have the dentistry, but there's the ability to bring somebody on maybe one or two days a week. Well, that doesn't,   Kiera Dent (03:44) Mm-hmm.   Totally same.   Mm-hmm.   Fred Heppner (04:09) That doesn't feed a hungry young dentist coming out of dental school who really has a lot of debt and wants to begin to work and develop a way to reduce that debt. They're looking for four days a week, five. They might have a quality of life thing where they just want to work three tens and be off Friday, Saturday, Sunday, Monday. That's okay. But the point is, is that most private practices don't have the capacity to be able to bring on a full-time dentist and feed them right away and keep them very busy. The DSOs, corporate dentistry,   Kiera Dent (04:19) Right.   Fred Heppner (04:39) have offices that can provide that place. So essentially, if a dentist comes out of school and begins to work, they may very well work for one of the corporate DSOs, which gives them experience. It gives them the ability to work five days a week. It gives them the ability to practice in what I call civilian dentistry out of dental school. And it gives them the opportunity to be able to see what it's really like. I can tell you, Kiera, that 15, I think 15 years ago,   Kiera Dent (04:57) Mm-hmm.   Fred Heppner (05:08) the most popular phone call I would get on my phone line was, hey, we just got 50 million from a private equity firm. We're starting a DSO, but we're different. And we want to buy practices from you because we heard you're good. And I just tell them, great, thanks very much. Get in line, register on my website. And when an opportunity comes up, I will email to you like I do everybody else the opportunity. Because most of my clients call and say, I...   Kiera Dent (05:17) you   Fred Heppner (05:34) Hard no to a DSO. I'm a private practitioner. I've got a legacy practice and I want to sell to another private dentist Okay, so that was the most popular second most popular call was I'm sick of working for a company find me a practice to buy Now it's shifted More so do I hear I'm sick of working for somebody else find me a private practice to buy I'm ready to go The the DSO calls have filtered off of it and I don't know that that's a global   Kiera Dent (05:48) Mm-hmm. ⁓   Mm-hmm.   Fred Heppner (06:03) representation of the DSOs starting to slow their buying and really focus on the profitability of the offices they have to really maintain the profitability due to higher interest rates. Maybe they're slowing down their buying. Who knows? The interesting thing about it is that it's somewhat of a closed loop in DSO work. You really can't get into and find out exactly what everybody is doing unless you're member of their organizations, which is fine. And I respect that.   Kiera Dent (06:12) Yeah.   Fred Heppner (06:32) private information, but it begs the question. And ultimately, if a dentist is looking to buy their own practice, eventually they're going to need those one to two years experience, liquidity, good credit score, in order for them to go to one of the commercial banks and say, I want to buy a practice and let me get a practice to buy and then we'll put it together. Okay? So I can tell you that private practice is alive and well.   Kiera Dent (06:55) Mm-hmm.   Fred Heppner (07:02) very bullish on the individual dentist who's out there still practicing and doing quite well. I can also tell you that those kinds of doctor to doctor transitions are extremely successful. The idea is some people who look at a transition like that would think, my gosh, the dentist leaves, all the patients will leave. They'll go somewhere else, they'll go to other practices. Well, if that was true, let's carry that forward. If that was true,   Kiera Dent (07:14) Mm-hmm.   No.   Fred Heppner (07:28) then that would mean that the loans that the dentist used to buy the practice would go in default, would they not? Because if all the patients left, there would be no revenue and they'd have to fold up camp and see you later, right? The default rate on dental practice loans still over the last 15, 20 years and even recently is 40 basis points. 100 basis points is 1%. 40 basis points is four tenths of 1%. So if you follow the math,   Kiera Dent (07:33) Mm-hmm.   Mm-hmm.   Fred Heppner (07:58) The default rate is less than half of 1 % on the billions of dollars that are loaned by banks for dentists to buy practices. They don't fail. Okay.   Kiera Dent (08:08) Totally. They don't and they're such a   good investment. I think that that's why so many people like, that's why I think DSOs are buying up practices. ⁓ And I think that that's where so many private practice owners now, I would say I've watched where it used to be legacy practices and there's still legacy practice doctors who do not want to sell to a DSO. Like when they're there, they want to sell doctor to doctor, they want to bring in an associate, they want to bring in partners. I think   By default, dentistry tends to be a more humanistic, ⁓ very relationship model ⁓ versus I still think though, right now DSOs, you're right. I don't think people are getting as many calls. ⁓ But what I will say is my doctors are probably getting 20 to 30 emails every month from a DSO interested in buying their practice. So they are getting it as private practice owners. And so I think that that's where, ⁓ like I said, some people within the last eight years bought a practice as a private practice.   the DSOs, they were profitable. were within the metrics that the DSO wanted. And it just made sense. was like, I'm going to get 10x EBITDA on this. My EBITDA is great. No private party is going to pay me what this DSO is going to pay me. And while yes, I'd love it to maintain a legacy practice, I'm in my 30s and I could basically have retirement today. mean, there's more risk selling out because they have a lot of it in their stocks and there's a whole ⁓ game around that.   I think that that's where maybe some of the younger generation might be looking at transitions sooner than I think the more senior population of dentistry is. think that they're starting to be the shift and that's where I'm very curious of like, maybe conversations need to be had sooner. Maybe because DSOs are aggressive on the emails to the dentist. Like it is wild and they are sexy offers to them that are not always true. And that creeps me out too, because they're hearing a number. Like I had a doctor and he had a DSO.   Fred Heppner (09:49) Yep. Yep.   Kiera Dent (10:04) come to him and they said, Hey, we're going to give you 5 million. And he's like, here, it seems like a great deal. And I said, yeah, but you're going to do 5 million next year just in your own production. So that's actually a bad deal because you're already going to make that without selling to them and having to work for them for the next five to 10 years or like three to five is usually what their requirement is. So again, I think that this is where it's like, how do we cut through that noise to know when I do transition? Because I think people are getting asked to transition from private practice.   sooner. You're right, they go work at the DSO, they go to some of those bigger corporate practices to get the experience, then they go buy their private practice, and then it really is, or they do a startup. And then it's pretty aggressive because I think Wall Street's pretty hot right now and private equity is very, very luring, but they do have to hit certain requirements to join DSOs.   Fred Heppner (10:53) Yeah. There are tons of verticals that people are getting into, the private equity is getting into, you're right. There's a ton of money at it. You know, I would tell you that the devil is in the details. It may very well be that there are transitions that occur where a DSO or a corporation acquires the assets of a private practice and the dentist stays and works back in the office. And that transition works swimmingly well for the dentist who sells for the DSO.   Kiera Dent (11:02) Mm-hmm.   Fred Heppner (11:21) And ultimately everything works out fine. There are others that don't and they're, they're out there. And I think what you mentioned earlier is, you know, I could get 5 million from my practice. Well, why would you, you will be able to make that in, your earnings in 2.3 years, whatever it might be, whatever the math pencils that be. But if you think about it, if it, if 10 times EBITDA is their offering price, what are, what are the details? How much cash at closing?   Kiera Dent (11:38) Right.   Mm-hmm.   Fred Heppner (11:49) Is there a work back or a work back arrangement where you will be paid to be the dentist? And what is your compensation? What are the benefits that you would receive? And what is the term of that work back arrangement? You're right. It's creeping up now more into five years. 15, 20 years ago, was maybe, you know, stay on one or two years and we're good. There's a claw back. There's a hold back provision that holds back part of the purchase price. And the dentist has to meet the   Kiera Dent (12:04) Mm-hmm.   Yeah.   Fred Heppner (12:17) has to meet certain metrics from the trailing 12 months to be able to get that back. Well, let's pretend. Let's pretend that the DSO comes in and sets up the practice and nothing changes and the business continues to grow and develop because there's more marketing promotion and advertising. There's better cost control. There's just better stuff going on and that works. Well, what if it doesn't? What if all of a sudden the company comes in and says, we're changing these policies?   You were Delta Dental Premier, we're jumping into PPOs because we've got really good reimbursement rates on these 12 PPO contracts. Well, if that reimbursement rate drops from fee for service, does that hinder the doctor to be able to generate the income necessary for that hold back to be acquired in the next two to three years? And then there's equity. You mentioned that they offer a stock in the company to be able to ultimately participate in a   Kiera Dent (13:09) Mm-hmm.   Fred Heppner (13:15) recapitalization should that happen? Well, it'd be really interesting. You're going to love this one. I know you're going to love this one. So for any of your listeners, any of your A-Team clients, if they get approached by a DSO and they look at it and they think it's really, really good, have somebody look at it. What you will hear typically is you really don't need an advisor. You don't need an attorney. We've got all the contracts ready to go. You can come.   Kiera Dent (13:35) Mm-hmm.   Lies. Lies.   Fred Heppner (13:44) Exactly. You can just take all of this and we'll be good. Well, trust but verify. And ultimately a good team would be able to review these. I would be glad to review. I review paperwork all the time from dentists that are looking to transition. And if there's an equity piece in that offer, I turn around and contact the DSO on behalf of the client. And I say, we'd like to see your financials.   Kiera Dent (14:08) Absolutely.   Fred Heppner (14:11) What do you mean? Well, you're asking my client to acquire stock in your company in lieu of cash at closing. yeah, that's part of the deal. I need to see your financials. I need to advise my client on whether or not you have a healthy company and whether or not my client's going to be at risk by taking stock in your company. Well, nobody's ever asked us that. Well, I am. And doesn't it make sense? We've just provided to you tax returns, profit and loss statements, but sing along if you know the words, balance sheets, W-2, production reports, everything on the business.   Kiera Dent (14:21) Yeah.   things.   Mm-hmm.   Fred Heppner (14:39) And yet you're not willing to provide the other. Just provide the other. Show us that your business is solvent. Show it that it is something that my client would like to receive in stock. So, mon bro.   Kiera Dent (14:50) And there's strategy   for tax around that too. there are benefits to having stock rather than all the cash at closing for your total dollar amount when you want to retire, but only if that stock actually is valuable.   Fred Heppner (15:05) Pays back. Correct. Good. And that   is so brilliant. You see, you're good looking, you're smart, and that's a rare combination today. So, so, but think about it. You just mentioned something that people really don't think. If, if I have a practice and they give me 1.5 million chopped up into the ways that we've mentioned, and I have $200,000 worth of equity in the company, what if that $200,000 is half of 1 %? Well, when they recapitalize, I get half of 1 % of what proceeds, right?   Kiera Dent (15:09) Thank you.   Mm-hmm.   I love it. It's such a...   Fred Heppner (15:35) So map it out. Yeah, map it out. mean, can   you sell your practice twice? sometimes yes, sometimes no.   Kiera Dent (15:43) And there's so many sticky pieces around it. And that's where I feel like it's just a, think this is where people get leery to do it. However, I think like there are some, you said, that go really, really well, but agreed. And when I look at this people like Kiera, like I thought about that doctor and I was like, so sweet. You're going to five mil. That's your 10 X. You're going to produce 5 million. Your overhead right now is sitting at a 50 % overhead. So right now you're taking 2.5. Let's say you do get a $5 million check.   you give me 10 taxes, it's barely over your 2.5, which you're already going to get next year. So like, yes, next year, you still have to pay taxes because you're at a 50 % overhead. So you will still get a small amount more of cash to you. But there's a lot of strategy that goes into that 2.5, pending upon what you need when you invest that, like for every million, it's about like on average, if it's in the stock market, about 35,000 right now is like a very, very, very loose number to like estimate your financial future. But I'm like,   you throw 2.5 into the stock market right now, we'll high five, you're making about 100K a year. Like that's just to me, those are the things that I feel you need to be really smart about to make sure that your practices are assets and not liabilities and something that really will provide the retirement for the work you've put in rather than it just feeling good in the moment, but not really giving the life you want.   Fred Heppner (16:59) You know, excellent point. And what you also said earlier, just in passing was, what dentists could buy my practice. can't sell to a private dentist. I've got to sell to a DSO. ⁓ surprise, surprise. That's a myth. There are dentists who would, I can tell you right now, if you could give me your client's number, I'll buy her practice. Well, yeah, well, I mean, that's gonna, that's gonna pencil. So the, the point that I would make is know that   Kiera Dent (17:12) It is a myth.   Right? I know, me too. I'm like, actually, actually I would.   Fred Heppner (17:29) Dentists that are out there who are looking to buy really profitable practices and can meet the production goals. So there's an important aspect there. Your client's doing two and a half million in profit, five million in productivity on her own. If a person coming in to buy that won't be able to quite meet those production numbers, they may hire the client back for a year or two. The bank may want them to make sure that there's some kind of arrangement where they have some help.   But if a bank is looking at a practice that has that kind of liquidity and profitability, they'll gladly loan the money to the dentist if other measures are there because they know it's going to be paid back. So I want to dispel the myth that big practices with large productivity and big profitability are excluded from private practitioners being able to buy them. It's not true. Is it? Yeah.   Kiera Dent (18:10) Mm-hmm.   I agree. They get nervous because of the debt,   but I have somebody that I know that just bought into a $2.5 million is how much they had to bring to the table. Plus they have their student loan debt, plus they have their house debt and they were able to do it to buy into a practice. so I'm like, I think let's not assume that that's the only route. think figure out what you want and there is a buyer based on the outcome you want. I think Fred, I want to switch gears because I want to ask some questions about associates.   because I think we've kind of gone through like private practice. There's so many things like make sure you're taken care of, make sure you know where you're going. But now I want to switch gears because I think this is something I get asked all the time. And so selfishly again, welcome to curious therapy with Fred. I want to know all the pieces. This is my podcast that you get to be a part of. No, it's for all of you. ⁓ we get asked often, how do you set up a great associate buy-in? So like, how do I buy these people and how do I tether them in? I think one of the greatest, I would say   Fred Heppner (19:06) I'm listening.   Kiera Dent (19:19) stressors and like blind spots in practices and the thing that can really hurt a practice is when they have an associate that associate leaving. ⁓ And so they want to like golden handcuff these associates, but they want it to be good for both parties. What are some of those associate transitions to retain associates to get them in as partners? Is it a good idea? Is it not a good idea? And I think like we can wrap on this because I, I'm super curious of like what you recommend to help with that transition.   Fred Heppner (19:45) The   capacity for the business volume has to be there. You've got to have, not only are you working, but there's this phantom practice out there that you can't get to as the provider. And you need somebody to be able to get to that. So bringing on an associate to get to that phantom practice immediately creates incremental income, which is, to the owner of the business, very liquid.   Kiera Dent (20:03) Mm-hmm.   Fred Heppner (20:07) The cost associated with treating extra people during the course of the day is the associate's compensation and variable cost supplies in lab. And if you're ⁓ providing can-to-can technology and your lab costs are very low, but you're producing crowns in a day, for example, and using that kind of technology, then the cost associated with treating every incremental patient and creating that revenue is very low.   we're suggesting that the team in place can handle the extra work. We don't have to hire an extra assistant or hire an extra administrative person. So given those things.   ⁓ One of the best transition plans, in my opinion, is one that has time built into it. The associate has to develop some traction. They have to generate some productivity. They have to show that they can produce the numbers. But more importantly, the outcomes are good. The treatment outcomes are successful. The patients are adapting to them. The team connects with them. This is a good relationship. As an aside, really quick, when you mention relationship business in dentistry,   I think DSOs traditionally are a transactional business. They're really focusing on the transaction, right? Private practice focuses on the relationship. Not to say that corporate dentistry doesn't focus on relationships. They're focused more so on the transactions. I might get ridiculed for that statement, but that's what I see. And that's my opinion.   Kiera Dent (21:19) I would agree.   Sure,   sure.   Fred Heppner (21:36) So back to the associate, need the associate to develop some traction. And essentially that traction comes from being in the office, seeing patients, working with the team, and ultimately getting feedback along the way. And I think that's a one to two year cycle. Will you know as a practitioner and owner of the business within the first one or two months, if the associate is working two or three days a week or four days a week, will you know, do they get along with the patients? Do they get along with the team? Yes. Will you know about treatment outcomes?   Kiera Dent (21:40) Mm-hmm.   Fred Heppner (22:05) To some degree, yes. So early on, you'll know if this is cut bait, this is not going to work. Or yes, this person's fitting in great, primarily because they were vetted. So quick, quick retract back to how do you hire them? Go through a long process of vetting. Don't just take the first one that appears. Get to know them, make sure they're going to integrate well. I see a lot of associate plans.   work real well when the dentist knows the dentist owner knows the associate coming on board from some past experience. Great example is the dentist associate grew up in town, did an internship kind of in the office as a sterilization tech, kind of worked in the office, found out that dentistry was their passion, went to college for undergrad, went to dental school for dental degree and came back to the town to work for that dentist. Right. Okay, good. So somebody you know, ⁓   Kiera Dent (22:38) Mm-hmm.   Totally.   Fred Heppner (23:00) son of doctor, owner's best friend. So there's history there. You know, the quality of the individual. Okay. So once traction is developed during the part of that associate agreement, there's some discussion about ownership and building an understanding of how the practice works so that when time comes to be a partner and buy in, there's already some traction. There's already some traction so that if the person elects to buy the seller out,   in a couple years, then they can switch roles. But there has to be some traction. One of the things that's really perilous is thinking about jumping into a practice and being a partner right away. If you want to practice and you do two million a year, hygiene does 500, you do 1.5. I'm going to come in and I want to be a partner of yours today because I've heard how great your practice is. And you have the physical plant capacity, you have the patient capacity, and I can step right in.   If I pay you half of the value of your practice today to buy in, we can split up the medicine and supplies and drugs. can split up the equipment. We can split up the office equipment. ⁓ we can split up all the operatories, but how do we sort out the patients? Because come Monday morning, say we close tomorrow, Friday, come Monday morning, I need to have in my schedule, the ability to generate half of the revenue in the business so that I can pay myself and I can pay.   to having bought in. that make sense? And that doesn't really happen easily when somebody just freshly wants to buy in as a partner. So fast forwarding to partnerships, which I hope we get a chance to talk a little bit about today, that associate has to be in that process, in that business for a period of time. And that traction needs to get up so that they've got productivity under their belt. And again, going back to what we talked about about banks,   Kiera Dent (24:32) Mm-hmm. Mm-hmm.   I agree.   Fred Heppner (24:59) they wanna see that that productivity is there, that they'll be able to generate it because they wanna make sure that they get the loan paid for. And a really good associate agreement has, in my opinion, good restrictive covenants, not to compete, not to solicit patients or staff. ⁓ In some states, that's not allowed. The FTC voted that associate agreements or employment agreements should not have restrictive covenants, but there's no legislation yet that has actually mandated that.   Kiera Dent (25:05) Totally.   Fred Heppner (25:26) So keep in mind that it's probably not appropriate to think that you'll be able to limit somebody's ability to work. Now for them to essentially buy your practice, for example, and you as a, agreement have a restrictive covenant that you will agree to that's different because somebody paid you good and valuable consideration money for you not to compete against them because they bought your business in an employment agreement. It's a little different.   Kiera Dent (25:49) Mm-hmm.   Great.   Fred Heppner (25:56) So if a dentist comes and works for another dentist who owns the business, and after a couple of months, it's just not gonna work out, they're not gonna have enough connection with the patient base to solicit patients or solicit staff or the team. They won't. So would it matter if there was a restrictive covenant in that initial agreement? Probably not.   because after a couple months, if they've alienated patients and alienated staff and they're not very good at dentistry, you want them out of there anyway, forget about the restrictive covenant, they could go work for somebody else close by. It's probably the same thing that'll happen.   Kiera Dent (26:36) I think it's really wise because I think so many offices hire an associate, but they're so scared to move them along in two months. I think that was wise advice you listed. It is so much easier to move them on in two months than it is to keep them for six months, eight months, 10 months, and then realize their dentistry or their team connection or their patient connections not there. so ⁓ it's, it's be very intentional within those first 90 days and make sure that this will be a long-term fit. ⁓ You can see it in two months.   Fred Heppner (27:01) So how does this,   you can, I'm sure you can. How does this sound? For the first six months of an associate agreement, maybe you don't have quite a good background, deep background about that individual, but you feel that they would be good in the practice. They come recommended by their instructors at university, at dental school. was highly, someone was highly recommended. How about a single page,   six month agreement that says you come to work for me, I will pay you this. And if you want to go, you can go. If I feel you need to go, I'm going to release you. It's an at will agreement, no restrictive covenants, nothing in it that locks anybody down. Because again, what I mentioned earlier is how much traction can you generate really in one or two, three, four months, because you'll know after four or five months that this is somebody really want to lock in at six months, develop a really strong, well-written attorney reviewed.   employment agreement that has restrictive covenants that has specific on how to redo cases in case they need to be done at the end of the employment agreement. Right. What do you think? I mean, does that give that give the opportunity?   Kiera Dent (28:08) Sure.   I think,   I mean, I like it. think that the devil's advocate in me would say, I'm not sure that the ⁓   millennial Gen Z generation coming through would say yes to six months. I think that they're looking for more security. They're looking for more guarantees. They come in with a lot more debt and a lot more risk that I am really curious. As a business, I think it's freaking brilliant. As on the other side, I'm curious, would you be able to get candidates that would want to come or is it too risky of an offer?   Fred Heppner (28:43) You mean,   yeah, do you mean the associate dentist coming on board is thinking more about themselves rather than the practice?   Kiera Dent (28:52) I think with the associate offers that are given currently, ⁓ I think agreed. It does show that they're thinking about it, but I also feel for a practice making sure that they're competitive with offers. I don't love having to be ⁓ like with hygienists. I don't want to have to go chase them, but you have to at least be competitive with other people in the market. So I think I agree with you. I just feel for practices making sure that maybe   Fred Heppner (29:05) ⁓   I understand what you're saying.   Kiera Dent (29:19) you are so competitive with other people and offer. So you do get the candidates, but you can have some of these ideas within like that I think would make you even maybe more attractive. So maybe it's a year that we're offering, but like, Hey, in the first six months, there's no restriction. There's no nothing. We add that in in six months. So that way you are competitive with other people. Cause I think associates, they need that security and I'm watching more and more come through. I mean, they're walking out with one mil plus 2 million in debt. Like, so I think that   I think to be competitive with others, might need to be a possibly. This is my hallucination that could possibly just make sure you're competitive.   Fred Heppner (29:53) Well, well, no, you're   so you're right on you're in a you're in another section of what the employment agreement might look like called compensation and benefits. I'm looking at just the period of time that you would be that a dentist would be employed in the practice to determine if it's a right fit for them and if it's a right fit for the practice and if it's a right fit for the patients and the team. Compensation can say exactly what you were saying. Now,   Kiera Dent (30:16) Right.   Fred Heppner (30:22) Unfortunately, it isn't the responsibility of the practice to provide for somebody who is unproven in their debt or to satisfy their lifestyle requirements. Yes, they're competing with other organizations that are offering salary, health insurance, vision, life insurance policies, all of those benefits that come along with big corporations. However,   It's a private practice. And the sooner I think that dentists who are coming on as associates know the intricacies and the difficulties of running a business and also the rewards that come with it, they would understand better how those arrangements are made. And I've seen compensation programs set up where it's the greater of over two weeks, a compensation per day or a percentage of a certain amount over a certain amount of productivity. So you can meet those requirements. can kind of meet.   Kiera Dent (31:15) Mm-hmm.   Fred Heppner (31:16) Kind of need halfway in between.   Kiera Dent (31:18) Yeah, and I think that that's where I was saying of I feel like making sure that you're meeting in the middle. I love the idea of being able to protect like, you're right, like not being stuck in this with someone who's not working out and getting stuck, I think is actually something that happens all the time with associates. ⁓ And so I think like, Fred, it was such a fun like,   chat about us. I agree, we need to chat more partnerships because now it's like, okay, we've got these associates, we've got some ideas on it. We've heard about figuring out where we want to go and how we're going to be able to get there and needing to think about our future life and how when we need to transition, you said the three to five years, I think looking for like, what do need to do to be able to buy a practice? If I want to buy a practice, what do need to get? Then we talked about like the DSO offers coming for private practices, and how to assess that through Fred.   And then we moved into associates. So Fred, like that was such a like smorgasbord of topics, which I love. And I think definitely reconnecting because I think there's the next step is like, how do we bring in these associates for partners if we want them? How can we build a legacy practice? That's not necessarily just the DSO. So I'd love to get you back on the podcast and chat partnerships and like alternative transitions beyond, but gosh, Fred, such a fun podcast today.   Fred Heppner (32:10) It was fun.   I am   happy to do it anytime. I appreciate what you do for dentistry. So I'll absolutely support you and be glad to do it.   Kiera Dent (32:36) Thank you. Well, Fred, as we wrap up today, were there any last thoughts you had to give to the listeners? And of course, ArizonaTransitions.com, ArizonaTransitions.gmail. If you're looking to transition or associates or what do I do or hey, Fred, I just need help. But any last thoughts you have as we wrap up today?   Fred Heppner (32:52) Yeah, I think   I tell you a funny quip that I think resonates with most people that I talk to. Dentists are excellent at curing dental disease, at diagnosing conditions and recommending treatments and working with patients to get them well. And, ⁓ coming into an event like purchasing a practice or selling a practice where they've never done it before. They don't have the experience or the education.   going in to understand what to do. I would encourage them to get advice and guidance from a great team. ⁓ I have a deal with my dentist. Mike Smith is brilliant. He has a practice called the biting edge here in Phoenix and he's brilliant. And he and I have an agreement. I don't do my own dentistry.   And he doesn't do his own practice transition stuff or practice management stuff. He relies on me to do that because they're in the middle. meet. So I want him to cure my dental conditions and make sure I'm in the optimum dental health that I could be. And I'm to make sure that I provide the services to him so that if he's looking to acquire a practice or merge an office into his, or figure out how the next plan would be for his practice growth or his transition, that he's going to sit down with me because he understands that that's my expertise and he.   he benefits from.   Kiera Dent (34:15) Yeah, I love that. That's such a good way to look at it. Let's sit in our lanes. Let's do what we're really good at and not try to be a one-stop shop. I think that that's brilliant, Fred. And I feel like for all those looking for the transitions for what do we do? How can I do it? Reach out, Fred. I think you're a wealth of knowledge. You've been in it for a long time and just truly so grateful to have you on the podcast today.   Fred Heppner (34:36) It's my pleasure. Absolutely. Have a great day. Talk to you soon. Bye here.   Kiera Dent (34:39) Awesome. Thank you. And thank you,   Fred. Thank you, all of you. And for all of you listening, thanks for listening. And I'll catch you next time on the Dental A Team Podcast.  

Tiff and Kristy talk about how to reach an ideal state: three-day work weeks and clearing that seven-figure mark. Their advice includes block scheduling, mining your patient base, aligning your team, and more. Episode resources: Subscribe to The Dental A-Team podcast Schedule a Practice Assessment Leave us a review Transcript Tiffanie (00:01) Hello Dental A team. I am back here today with Kristy. I am so excited to be here, Kristy. And for those of you who maybe this is your first podcast with us, my name is Tiffanie and I am a dental consultant here with the Dental A Team. And as Kara said, we're taking over the podcast. So I've got Kristy, one of our other amazing and just beautifully minded and just sweetest ever.   consultants. Kristy, you are just one of the most amazing human beings I've ever met and I'm just so excited to have you here on the podcast with us as well as on our team. So happy Friday. It's Friday here for us and we are we've got a couple podcasts we're going through today, Kristy. I'm really excited for this one. But before we get started, how are you today?   Kristy (00:47) doing wonderful. The weather's great and I'm here with you. It's equally ⁓ mutual feelings to be here with you and podcast for our people. So love it.   Tiffanie (00:59) Amazing. Thank you. I'm glad you're having good weather. It's hot here. So be prepared for that. I know you're coming to Arizona soon. So it's very hot here right now and it should cool down a little bit next week while you're here though. So you should be fine. Maybe bring some of that nice weather with you. So today you guys, really want to chat. There's a few things I want to chat about and today on this podcast, I wanted to chat through   really making your life whatever it is that you want that to look like. And a lot of the doctors that we work with want to obviously cut down clinical hours. I think that's something that's on everyone's radar is really being able to.   Work the days of the week that you want to in the practice and then investing that additional time back into your family and into your personal life, your friends, all of those spaces that you would normally spend that time, whatever that looks like for you. And Kristy, we've talked about this a lot and I actually, have one plan I can think of off the top of my head right now that we have worked really hard to get his schedule and his intentionalities exactly what we're talking about today. And what he does so that everybody can hear is he works about three and a half   days per week and definitely definitely clears over seven figures and so what I wanted to talk about today is really how do we get to that three day per week clinical time and that seven figure mark that you know we're dentists here like you guys should be you guys should be making that if that's what you want to make you should be making that and how do we make that happen as a reality and when I first started working with this practice years and years ago he was like gosh I think you know Tiff   long-term, like within five years, this is what I want to be making, but I think I'm gonna have to add a fourth day a week. I'm gonna have to work Monday through Thursday. And I was like, well, maybe, but I mean, do you want to work Monday through Thursday? And at the time he said, I maybe by the time I get there, I do right now, I don't. Great, well, if you change your mind, then we can add it, but let's build this without that fourth day.   And he along the way decided, you know what, actually want to do two Thursdays a month because it fits, it just fits with his lifestyle, fits with what he wanted to do. So it turned into, you know, average of three and a half days per week. But he stuck to the idea of creating his practice to look like what he wanted it to look like. And I remember Kristy early on and still to this day sometimes that happens, but I remember early on him really acknowledging the fact   that this was what he wanted for himself, for his family. This is what he, you know, was active in his community and within his church. And he wanted this to be a reality for him. His opposing side, what was happening there, was that he was on a lot of dental forums with a lot of classmates and people he'd met at CE courses or wherever along the way. And he was really, really getting wrapped up in the numbers of it all and what...   what they're doing and having a bigger practice and adding operatories and adding an associate and five hygienists and he was thinking, gosh, to get where I want to go, all of these doctors feel like they've made it, you know, and do I then is that what I need to do to make it? And I think all of us do this, whatever position we hold, think even as like a mom, right? It's like just that compares the night as we look at other people.   other moms and we're like, how come I don't do that or should I be doing that or etc. And it's got to be so hard to live that way. Right. And really, really, what we had to do was we had to take a step back and think about what is the most important thing for you right now? What do you want your life to look like again? Right. And what does that mean in your life if you're posting?   And we had to create all of those spaces from a feeling standpoint and then implement them. So my story, that practice, know, it just pops into my head. He's the one that pops in my head when I think three days, seven figures. And he's just come such a long way and it's had its trials and its tribulations, but I really wanted to take a step back and look at what did we do? How did we create that for our clients?   and how do we help someone to get to that point? And Kristy, I know you've worked with a lot of practices as well, and you've helped dentists do the same thing. So I wanted to take them through some of those processes today and the build out of those goals with the intentionality behind it. Kristy, I know you...   work with a ton of practices and I know you've done this a million times and if I were to come to you and say, gosh, I have this dentist who wants to work three days a week, this is the amount of money that he or she wants to make, take home, the profit. What would be the first space you would, you would coach on? Where would you say, let's start here?   Kristy (06:04) Yeah, I love that you're speaking that because again, we can make those goals. We just got to clearly define them. And to your point, I would definitely start with scheduling it, right? If that's what we need to make, let's reverse engineer it and block schedules so that we ensure that's happening. The other part that I would add in there is it's kind of funny that you're saying like three and a half days a week because ⁓   What we tend to see is when we do add those block schedule and doctors hit that three, three and a half days a week, they tend to be more profitable during the time that they're there rather than working five days a week. So yeah, most definitely I would start with number one, looking at that goal and then reverse engineering it into the schedule using their scheduling blocks.   Tiffanie (06:55) For sure. I love what you said   there because it makes me think of, always tell my son like, gosh, you would take and I would too, right? If I gave you an hour in the morning to get ready, you would take the hour and be rushed.   But if I give you 30 minutes in the morning to get ready, you're gonna be ready at 28 minutes. Like you're gonna get it all in, you're still gonna get it done, you're just always gonna utilize the amount of time that you have. So what you said there is I do agree, I do see a lot of doctors that will work.   less clinical than other doctors and their intentionality behind getting the production in there, especially when there's a really good why behind it is so high that they work harder to get that production there and to maintain it. And so they actually do become a lot of times more profitable than doctors who are working maybe five days a week because their production is getting spread out, especially on the scheduling side for a team. They're like, well, I got to have something on Friday. We got it. We've got to be here. So   I'm gonna put this crown on Friday, whereas if we were only Monday through Wednesday, it would probably get stuck on Wednesday this week rather than Friday and giving so much availability to the patient. So I totally agree. And you're spot on with the goals. So that's exactly what we did. We said, okay, well, if you wanna make this much money, take home, what does that look like fixed cost-wise, overhead-wise? So we had to build out what that goal meant.   how we could get the practice to be profitable enough to make that much money as take home and then reverse engineer that. So we had to say, what does that look like? All the multiplication, the addition, all of those pieces. What does that look like in a production goal?   so that 98 % or higher of collections gets you to that profitability. Then you have to backtrack and say, well, great, this is how much money I need to make this year, maybe a million dollars, right? We wanna break one million this year. How do I do that? What does that look like per month in production?   Then we say, okay, divide that by how many days per month we're working. So if we're working three days, right, it was probably about 12 days on average. So what does that look like every day? And how much production does that equate to? And I do have to say a caveat here.   because I think it's easy to say, yeah, but what about the fee schedules? Totally agree with you. You need to get your fee schedules up. Number one, if you can do anything about your fee schedules, go work on those. First and foremost, number one, get those things in line. But I do have to say this dentist I'm thinking of specifically is in the heart of a very saturated state and a very   difficult area to get ⁓ fees increased and he is PPO driven in lot of different directions. So it is possible. It just depends on what you're willing to do and then also what treatment you're doing. So what we have done with that is we've built out that block schedule. We've built out how his optimized days would look. So when is he doing his crown preps? When is he doing his large treatment? ⁓ Is he doing root canal?   love them. So which root canals is he doing if he's going to do them? Oral surgery, like what are we doing in those three days? And how do we build the production to match that daily goal? And then it was a, there, are there things that you want to be doing that maybe you're not doing a lot of yet? And he, this specific dentist, I've got another doctor, I've got a couple doctors that are like, yeah.   Tiff, I want to do implants and I want to do cosmetic cases. I want to build smiles and do smile design. And I'm like, well, great. If you can get one or two smile designs a month, are you kidding me? We're halfway there. So then what we had to do is we said, OK, great. Where would we do those in the schedule? When they come, where would we put them? And build that out as well. So the implant.   Obviously the implant placements like those were going to go first. Where are those going to be and how many implants do we need per year to help equate to that goal? then Kristy, I know you've done this a few times as well, looking at the marketing space, right? Because what do you feel like Kristy then?   We've got this goal set, we've got this block scheduling in place and we're like, okay, great. We want to do more implants and more cosmetic cases. Kristy, what would you then look for to increase those within the practice?   Kristy (11:38) Yeah, well number one, I always like to go mining in our own patient base, you know, and I love that you mentioned like the service mix and doctors wanting to do specifically in this case, the implants, because it's funny how many times we hear that and then we go back and look like at the last 12 months and maybe they've done five implants, you know, I love doing them, but why aren't we doing them, right? And so just by recognizing that, putting a goal to it and then   Tiffanie (12:01) Yeah.   Kristy (12:08) consistently going back and measuring that. We've talked about this before Tiff, if I'm gonna go buy a white car of a specific brand, all of a sudden I start seeing all those. So to your point, I would go back to our patient base. I would definitely make sure the team is aware of that goal and then enroll the whole team on how do we find more of these patients that could use implants, right?   Then amongst our own patients when they're coming in, do they have missing teeth? Did we do a recent extraction, right? Have we discussed this before and it's time to bring it back up? So ideally that's where I would go because they're already in your practice, they love you, you've got a relationship with them and you'll be amazed at how many patients you'll find just by putting it front of mind and enrolling the whole team behind you to look for it.   Tiffanie (13:06) I agree   and training them on the right questions, the right scenarios. Like what are we looking for? Are we looking for missing teeth? Are we looking for cracks? we like bringing that awareness? I totally agree. think everything we want is actually already here. We're just not tuned in to see it. So just like the car, we want the white Camaro because we never see a white Camaro. We make that decision to like, that's what I'm going to get. I'm going to get a white Camaro because no one has them, right? Or a purple Camaro because no one has them. And this   Kristy (13:35) Thank   Tiffanie (13:36) the next thing you know, you're like, well, shoot, I was wrong. There's a million of them. I want something different. And you're just going to keep going on that road because you brought the awareness to you. So I love that analogy. And I think it's so fitting for any, any treatment that you're trying to increase in your practice. It's already there. We're just not attuned to looking for it yet. So there's already opportunities there. How do we get the team members?   Kristy (13:41) Thank   Tiffanie (14:04) in line with seeing them to support you in the diagnosis. Now, the biggest thing I can say right now is if you have this goal or a different goal, I don't care what your goal is, if your goal is to work three days and make seven figures, that's fine. ⁓ Whatever your goal is, enlist your team in the support factor of achieving that goal.   because without them, it's all on you and there's no way, doctors, that you can do it all. You cannot, you will not remember.   all of these spaces to look for the implants, especially if you're like, well Tiff, gosh, Kristy, I want to do implants, I want to do cosmetic cases, I want to try all on fours, I want to, you know, I want to reduce the number of root canals I'm doing, but I want to do more extractions, like gosh, dang it, there's 16,000 different things that you could want to do that are top of mind on your brain, but what is the decision of today? What is our focus?   How are we gonna measure it and how are we gonna stay consistent? I've had multiple dentists ⁓ wanna add more implants and Kristy, I love how you said to go back through the inventory, because it's exactly where we started. Many, dentists have done this very successfully. I know with me, with you Kristy, with all of us and on their own, really looking at how many did I do? How many have I done? Because sometimes, right, we'll think,   you get your hair cut and you're like   10 people tell you, gosh, your hair looks amazing, right? And the one person is like, I don't know if I would have done bangs. Like that was a bold move, right? And the next thing you know, you're in the mirror going like, gosh, dang it, should I have done bangs? Because one person out of 11 said that, and that's what you remember. And so when it comes to this, think the same philosophy applies because you might think, gosh, I've done a million and you did two. Or you're like, I didn't do any. And you're like, oh my gosh, I did 16. How is that possible?   Kristy (15:40) Yeah.   Tiffanie (16:04) we weren't looking at it. And if you've done whatever number you've done, how do we increase and layer on top of that? Because if you could find five last year...   I guarantee there's probably 15 more that we either diagnosed and didn't get acceptance on, or we just didn't see. So Kristy, to your point, really adding that in to even your morning discussions of looking at the patients and saying, who's eligible for whatever treatment it is that you're focusing on? Do we have patients coming in today that are actually eligible for that treatment? Do we have patients that we've already diagnosed this on? Can we ask, why aren't we scheduled? What's holding us back from getting this treatment done? Why not today?   Where can we find those opportunities within the patient base we already have? And then dialing in your messaging to the community. Because you've got to start making sure that you're attracting the patients that are going to build your business to meet the goals that you want. We cannot.   Just like we can't make everybody happy, we cannot serve everyone in the dental community. You are built to serve the community that fits your desired outcome. So if you try to blanket, serve everyone, you're gonna get a crazy mixed bag and you're probably gonna be really stressed out. But if you commit to serving the people that fit your avatar and who you are,   you're going to be able to reach these goals really easily. So dial that in with your marketing company or your marketing gal at the practice, whatever that looks like, dial that in. I know I've had a couple of practices, Kristy, that have struggled with new patients or they've had a flood of new patients. And when we look at it, they've had a flood of new patients, but struggling to meet production goals. And I'm like, well, one, maybe we have too many new patients or two, what kind of new patients are you getting? And I've had   all kinds of scenarios, but one that comes up a lot is too many limited exams, and we're focusing on same day treatment or like quick turnaround and not converting to comps, which it's technically a new patient into the practice, so count it how you want to. But when we've got, I don't know, 40 new patients and 25 of them are limited exams, 15 are only new, we're gonna struggle. So, Kristy.   We've got a lot here ⁓ going on all kinds of different tangents here and we still have one more point that I wanted to get to, but let's recap. So we've got.   Kristy (18:29) Bye.   Tiffanie (18:36) building out the goal, reverse engineering that and making sure we've got block scheduling in place, which we're not going to clearly do like a huge block scheduling podcast today, but there are a million and you can email us Hello@TheDentalATeam.com for tips and tools as well. And then dialing in that marketing space to make sure we're getting the patients that we want internally marketing to our patients, making sure that we're speaking to them and then externally marketing to the patients that we want as well. And then Kristy this is a space, this next one that I'm going to   you to get to. This is a space I think you do really well with teams, so getting to the seven figures production is one space of it, the right patients, that's just one space of it. But we can produce all we want and if the money's not coming in you're not, you're just...   upside down and you guys are just tired. So Kristy, I can talk, we can both talk production for freaking days and marketing for days, but what do they need to do on the flip side of that and what support, again, from their team members do they need to make sure they have in order to reach this goal?   Kristy (19:39) Yeah, absolutely. I always like to say, number one, let's start with ⁓ what is our parameters for the office? Your team members that are presenting finances, they need to have the understanding, what can they do? What are the tools in their tool belt ⁓ to offer to patients? And then it really is about getting creative. Even if the office is wanting everything paid in full on the day of service,   You know, are we letting patients walk out the door just because they can't pay it all at one time? You know, we could get creative and potentially even do like a layaway process, right? Or if these are big treatment plans, you know, do we have the right third party financing? There's specific finance companies that do larger amounts. And so getting to, you know, when we're presenting financials,   Tiffanie (20:28) Yeah.   Kristy (20:37) understanding truly what are the parameters, setting the realistic expectations within the office of what is our goal for finances. We want 98 % as a minimum goal for collections. So ideally we're meeting that. then also just making sure we have means for people to say yes financially, if you will.   Tiffanie (21:05) Yeah, yeah, and I love the way that you go through that with your clients on getting that yes and getting the financial options dialed in because it is different for each doctor in a lot of ways. And in addition to that, making sure we have that follow up process. So if we can have the tools to treatment plan correctly, collect   in advance or on the day of treatment over the counter correctly, fantastic. And then on the flip side of that, we've got to have the systems in place for insurance claims follow ups. And then if there's anything outstanding after insurance for patients, how are we gonna get that money? How are they gonna pay? And what are our options for that? Because just like you said now, Kristy, making sure we have those options for treatment planning and case acceptance. Well, what do they do? What are their options if they have a bill?   leftover, is it the same? Like what does the team do with that? So I agree having those protocols written and having them dialed in and trained is massive. So thank you. That is a space I think you really thrive and I've watched you train, I've watched you train doctors on how to do collections. So I think that's impressive in itself. So I want to make sure you, you got all that out there. Thank you. So recapping, we've got   Making sure you guys know what it is that you want first and foremost. Know what it is that you want. Reverse engineer from there on how you're gonna get there. So build the financials out and then also build that block scheduling in there you guys. We harp on block scheduling and we're not the only consulting company that works with block scheduling and there's a reason for that because it freaking works. I just got off a call with the doctor an hour ago that was celebrating a 6 % decrease in overhead for quarter one because   is working, collecting is working, the protocols that they put into place and she specifically said the block scheduling is working. So this is within an hour of us recording this, go do it. And then making sure that your marketing is working internally and externally, you're attracting the patients that you want into your schedule and getting those collections processes in place you guys. If you don't have them, if you need help with any of this, you know to reach out, that's what we are here for.   We love giving information out. That's why we have all of these podcasts. I don't even know how many we have anymore. There's just a slew of them. whatever it is you need, just go to TheDentalATeam.com and search in the podcast tool bar and it will be there.   Kristy, parting words. I love, I know I shocked you with this, you're going to be shocked anymore, but I love your parting words always. So if you could wrap today's podcast into a bundle and impart some wisdom on these doctors that are listening, what would it be?   Kristy (23:48) Yeah, I would say number one, track and measure, right? If that's your goal to do more of that, let's get more of it. Track and measure. When you have cases closed, really take a look at what did we do? Like how can we repeat what happened? Your conversations, everything, you know? And then when you are treatment planning implants, because we were talking about implants, say, and you have patients that leave and don't schedule.   Make sure your admin team or treatment coordinator, whoever is presenting that treatment, writes down what was the patient's words, what were their objections, because that's where our opportunity lies. And a lot of people automatically think it's a financial thing. And sometimes it's not financial. Sometimes it could be from the clinical side, how can we get better at presenting that treatment, expressing the benefits and   Tiffanie (24:34) Thank you.   Kristy (24:43) of doing the treatment, consequences of not having an implant, right? And add an expense if we don't do it. with that, really dial into those opportunities, celebrate your success, and then where the opportunity lies, we can certainly help bridge that gap for you. So, yeah.   Tiffanie (25:02) I love that. Thank you.   Alright guys, you heard it from us here today. Go get to work, go build out those goals, go figure out what that looks like for you and for your lifestyle, what you want. And as always, drop us a five star review below so we know that this was helpful and beneficial for you and so that others can find it. Hello@TheDentalATeam.com is an easy way to find us or TheDentalATeam.com are all kinds of different avenues to chat with us. So if you need anything, when you need anything, and when you're ready to take that next step forward on creating this in your own   life, reach out, we're here to help you and we'll catch you next time.  

Lee Camp digs into Trump's admission that 300,000 Gazans have been killed, DOGE may be coming to an end, a social media star is mocked for speaking to the police, Biden has cancer, and Trump is working to crush the ICC. All that and more!To learn more about Chapter Medicare Advice, call 757-349-8232 or go to AskChapter.org/Camp *Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option.*Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.

Lee Camp gets into the Liberal media going nuts over Pentagon firings AND RFK Jr. outing Trump and his $100 Million from Big Pharma PLUS the truth about Zelensky! To get FREE help navigating Medicare and Medicare Advantage, call 757-349-8232 or go to AskChapter.org/Camp *Chapter: Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan's contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don't directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your option. *Average potential savings are based on realized premium, co-pay, and out of pocket savings estimates self-reported by consumers that worked with Chapter Advisory LLC to enroll in a Medicare Supplement, Medicare Advantage, and/or Part D Prescription Drug Plan. The average is limited to consumers that chose to self-report. Savings information is subject to periodic updates and corrections. There is no guarantee of savings and any savings may vary by policy type, state, or other factors.