Podcast appearances and mentions of Randy Schultz

Better Lawns and Gardens Hour 2 – Coming to you from the Summit Responsible Solutions Studios, Garden expert, Teresa Watkins is joined by Santa's helper, Randy Schultz, Home Garden and Homestead editor with his Best Gardening Gifts For the Holidays. The Dirty Word of the Day is Hand Pollination. Garden topics include rooting hormone discussion, can you use pre-emergent right now; and more. https://bit.ly3c1f5x7 Sign up for Teresa's monthly gardening newsletter, “In Your Backyard” where you can read Teresa's what to do in your landscape tips, Landscape Malpractice: How to know when to fire your landscaper,” Teresa's Design Tips; and more. https://bit.ly/2YRBbsT   Graphic credit: Teresa Watkins Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call in with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7 #WFLF #WFLA #FNN #WNDB #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #Deland #SHE #Orlando #Sarasota #Miami #FortLauderdale #podcast #syndicated #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow

White City's long-time fire chief is retiring. Randy Schultz joins Evan one day after his retirement to discuss his career and a firefighting device he's advocating to become available in Canada.

Better Lawns and Gardens Hour 2 – Coming to you from the Summit Responsible Solutions Studios,  Happy Father's Day to all of our listeners! Garden expert and host, Teresa Watkins shares the Dirty Word of the Day is Solstice. To provide ideas for gardening projects for Dads and Grandparents with their families, Randy Schultz, editor of Home Garden and Homestead, joins Teresa to discuss a great gardening activity:  Growing herbs and making bread! Get Home Garden and Homestead's Sour Dough Bread Making Kit. Gardening questions include azalea transplanting, papaya fungus; Homestead24 tomatoes, getting rid of yellow jackets, and more. https://bit.ly3c1f5x7 Teresa's monthly newsletter “In Your Backyard.” Check it out!  https://bit.ly/2I0Xzuf Want to travel with Teresa on her garden tours?  Check out Art in Bloom Garden Tours for more information! Come join Teresa and garden enthusiasts on a future garden tour.  Graphic credit: Teresa Watkins, iStock, Home Garden and Homestead. Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call in with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7   #WFLF #WFLA #FNN #WNDB #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #Deland #SHE #Orlando #Sarasota #Miami #FortLauderdale #podcast #syndicated #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow 

Better Lawns and Gardens Hour 2 – Coming to you from the Summit Responsible Solutions Studios, Garden expert Teresa Watkins provides her cottage garden favorites, Dirty Word of the Day is Pyrophyte. Randy Schultz, editor of Home Garden and Homestead discusses ‘Adaptive Gardening' for senior citizens.  Garden questions include double blackberry fruit, pruning Autograph Plant hedge; azalea fertilizer, getting rid of native Smilax vine, and lubber grasshoppers, and more. https://bit.ly3c1f5x7 Want to travel with Teresa on her garden tours?  Check out Art in Bloom Garden Tours for more information! Come join Teresa and garden enthusiasts on a future garden tour. Sign up for the newsletter! Be the first to know!  Graphic credit: Teresa Watkins, Home Garden and Homestead. Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call in with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7   #WFLF #WFLA #FNN #WNDB #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #Deland #SHE #Orlando #Sarasota #Miami #FortLauderdale #podcast #syndicated #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow 

Better Lawns and Gardens Hour 2 – Coming to you from the Summit Responsible Solutions Studios, Host Teresa Watkins is joined by Randy Schultz, editor of award-winning Home Garden and Homestead, who is snow birding in Arizona. Randy discusses how the 2023-2024 winter has not reduced the risk of mosquitos and how to protect your yard.  Coinciding with Daylight Savings Time, the Dirty Word of the Day is Photoperiodism.  Garden questions include fertilizing a Poinciana tree, azaleas, varieties of okra to grow in Florida, pollen season, weed and feed for Bahiagrass, tibouchina browning, and more. https://bit.ly3c1f5x7 Only two spaces available on Teresa's "50 Shades of Green' Ireland Tour July 6 - July 14, 2024. Check out Art in Bloom Garden Tours for more information! Come join Teresa and garden enthusiasts on a magical trip to the Emerald Isle!  Photo and graphic credit: Teresa Watkins  Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call in with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7   #WFLF #WFLA #FNN #WNDB #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #Deland #SHE #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow 

Better Lawns and Gardens Hour 2 – Coming to you from Summit Responsible Solutions Studios. Is it a Thanksgiving, Christmas, or Easter Cactus? How do you tell? Teresa provides a great garden hack for identifying the different species and varieties of this holiday favorite plant. Randy Schultz, editor of Home, Garden, and Homestead, goes down Santa's list of just the right garden gift for Christmas.  Garden questions include how to get an olive tree to produce fruit, should you fertilize olives, why did poinsettia leaves fall off, mini chainsaws, and what is eating my plants, and more.  https://bit.ly3c1f5x7 Graphic and photo credit:  Teresa Watkins Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call in with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7   #WFLF #WFLA #FNN #WNDB #WDBO #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #Deland #SHE #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow

From care & feeding to saying goodbye to a loyal canine hunting companion, we cover it all in this wide-ranging discussion with author, podcaster, blogger Randy Schultz. Randy's a road warrior, logging more windshield time than most, so of course we'll get some hunting reports (Blues, Huns, sage grouse, chukars, sharptails, so far). We also trade notes on what to bring, and get a whiskey recommendation for the post-hunt tailgate. "Road Trip" showcases a sweet spot in Northern Nevada, and it's all brought to you by: Sage & Braker Mercantile, Pointer shotguns, LandTrust.com, @midwayusa, #midwayusa, Midway USA, Mid Valley Clays and Shooting School, TrulockChokes, HiViz shooting systems, Purina Pro Plan Sport and FindBirdHuntingSpots.com.

In just over a year, Camp Codger has become one of the top-rated podcasts for seniors. And that's no accident or stroke of blind luck. These three stalwart codgers, Gary Ebersole, Richard Kipling, and Randy Schultz seamlessly blend themes wise and whimsical in a manner that belies their commitment to this craft. Tune into our own Aging Well: Finding Beauty in the Gray podcast to hear more rocking chair wisdom from these three old guys. Better yet, check them out ahead of time at https://www.campcodger.com/  Support the showHave comments or questions for us? Interested in sharing your story on Aging Well? Please send your information and questions to Hugh via email at willowwaycreations@gmail.com or through any of our social media links on our website, findingbeautyinthegray.com. We'd love to hear from you and appreciate your feedback. Leaving feedback on your podcast host site (Apple, Spotify, etc.) is the single most important and effective way for us to stay viable and to continue to bring you great stories and helpful resources. And if you are enjoying the show and getting value from our topics and guests, we would most welcome your financial support. Producing a quality resource does require appreciable financial investment. Thank you!

Better Lawns and Gardens Hour 2 – Coming to you from Summit Responsible Solutions Studios, Garden expert Teresa Watkins is joined by Randy Schultz, editor of Home Garden and Homestead. It's mosquito season! Randy provides organic solutions that really work and the popular trend of raising chickens. Dirty Word of the Day is Autumn. Teresa discusses sharpening lawn mower blades, when to start fertilizing your lawn, and more.  https://bit.ly3c1f5x7 Graphic and photo credit: TeresaWatkins, Randy Schultz Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call in with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7 #WFLF #WFLA #FNN #WNDB #WDBO #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #Deland #SHE #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow 

Better Lawns and Gardens Hour 2 – Coming to you from Summit Responsible Solutions Studios, Garden expert Teresa Watkins expounds on dwarf tomatoes with the Dirty Word of the Day is dwarf tomato. Watkins is joined by Randy Schultz, editor and founder of Home Garden and Homestead. Randy talks about localized malaria cases in Florida and the importance of protecting your yard from hatching mosquitos. Check out Randy's "Camp Codger" podcast.  How to propagate Chestnut vine, Tetrastigma voinieranum.  Teresa answers gardening questions on potting an avocado growing in a glass jar, Knockout roses that aren't doing well, caller's remedy for mosquito bite, repotting a hanging fern, how often to water cactus, and more.  https://bit.ly3c1f5x7 Victory Seed Company and the Dwarf Tomato Project. Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call in with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7 #WFLF #WFLA #FNN #WNDB #WDBO #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #Deland #SHE #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow 

Better Lawns and Gardens Hour 2 – Coming to you from Summit Responsible Solutions Studios, Garden Host Emeritus Tom MacCubbin, is joined by Randy Schultz, editor of Home Garden and Homestead, to discuss gardening, great memories, and being a couple of codgers,  and more. https://bit.ly/3c1f5x7  Graphic credit:  Teresa Watkins Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call in with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7 #WFLF #WFLA #FNN #WNDB #WDBO #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #wildflowers #Deland #SHE #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow 

Better Lawns and Gardens Hour 2 – Coming to you from Summit Responsible Solutions Studios,  Garden expert, Teresa Watkins is joined by Randy Schultz, editor of Home Garden and Homestead and cohost of Camp Codger Podcast, to talk about how to prevent mosquitos in the landscape. Sharon Fisher, Foliage co-chairwoman provides details on Apopka's 61st Foliage and Art Festival is April 29th. Callers help with cedar waxwings, Blueberry and Blue Grass Festival. Teresa answers gardening questions on nun's orchids, gardenia, thoughts on mosquito-repellent plants, squirrels eating sunflowers, lubber grasshoppers, and more. https://bit.ly/3c1f5x7  Graphic credit:  Teresa Watkins, Summit Responsible Solutions. Photo – M. Waldvogel, NCSU Photo: By Alvesgaspar - Own work, CC BY-SA 3.0,  Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call in with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7 #WFLF #WFLA #FNN #WNDB #WDBO #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #wildflowers #Deland #SHE #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow #mosquitos #mosquitodunks #repellents

Better Lawns and Gardens Hour 2  – Coming to you from Summit Responsible Solutions Studios, Garden expert and host Teresa Watkins and Randy Schultz, editor of Home Garden and Homestead discuss Summit's organic solutions for cycad scale and mosquito control. Randy's new podcast ‘Camp Codgers' this week looks back on classic television shows of the 1950's and 1960's. Teresa answers gardening texts and questions. https://bit.ly/3c1f5x7  The Florida Wildflower and Garden Festival will be Saturday, March 25th in Deland 9am – 3pm. Teresa answers garden questions and more. https://bit.ly/3c1f5x7 Graphic credit: Teresa Watkins , Cycad Scale photoL: UF Holly Glenn Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call inh with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7 #WFLF #WFLA #FNN #WNDB #WDBO #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #tropical #floridalife #photography #SHE #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow #Mosquitos #cycad scale #organicpestcontrol  

Better Lawns and Gardens Hour 1 – Coming to you from Summit Responsible Solutions Studios. Garden expert Teresa Watkins is joined by Randy Schultz, editor at HomeGardenandHomestead discuss what homeowners should know about installing a garden fence. Randy also describes his new fun and relatable podcast, Camp Codger. Teresa is sad to see “crapemurder” in neigborhoods again. Don't commit “crapemurder” and advises what plants, shrubs, and trees instead should be pruned this month. Stopping by Walmart, Teresa finds mothballs being sold on the shelf in the garden department. Did you know it's illegal to use mothballs outside? Teresa answers your gardening questions and more. Listen here: https://bit.ly/3c1f5x7 Join Teresa on her summer garden tour to the largest garden walk in the United States! An incredible opportunity to experience gardens of every style, shape, and theme. July 26 – July 30, 2023 Buffalo in Bloom and Niagara Falls, Canada.   https://bit.ly/3vNqkCM  Graphic credit: Teresa Watkins Listen every Saturdays from 7am - 9am EST on WFLA- Orlando. Call inh with your garden questions and text messages on 1-888.455.2867 and 23680, Miss the live broadcast? Listen on Audioboom podcast 24/7. https://bit.ly/3c1f5x7 #WFLF #WFLA #FNN #WNDB #WDBO #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #tropical #floridalife #photography #SHE #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow 

Randy Schultz joins the show to share his thoughts on upland bird hunting, bird dogs, shotguns and more. Show Highlights: Randy's intro upland birds and bird dogs National Shoot To Retrieve Association (NSTRA) A new shotgun from Upland Gun Company A shared liking of the LL Bean Scotch Plaid Flannel Shirt Thoughts on the 28-gauge Watch | A Bird Hunter's Thoughts Read | Endless October and Endless October Season 2 Listen | A Bird Hunter's Thoughts Podcast Become a Patreon Support | patreon.com/birdshot Follow us | @birdshot.podcast Use Promo Code | BSP20 to save 20% with onX Hunt The Birdshot Podcast is Presented By: onX Hunt, Final Rise and Upland Gun Company Learn more about your ad choices. Visit megaphone.fm/adchoices

Better Lawns and Gardens Hour 2 – Coming to you from Summit Responsible Solutions Studios, garden expert and host Teresa Watkins is joined by Home Garden and Homestead's editor Randy Schultz with Gifts for Gardeners this Holiday Season.  Randy announces his new podcast “Camp Codger” – Rocking Chair Wisdom from Three Old Guys. A podcast for people in their Golden Years. Dirty Word of the Day is Taproot. Dana Venrick, Quality Green Specialists Nursery with new inventory of fruit trees and native trees for the landscape. Garden questions and texts include shade trees for Central Florida, information on Teresa's garden tour to The Best of English Gardens and the Chelsea Flower Show. and more. https://bit.ly/3c1f5x7 Join Teresa on her exciting and historic tour of the Best English Gardens and the Chelsea Flower Show May 16 . https://bit.ly/3xU7JGT  Graphic credit: Teresa Watkins Listen to Better Lawns and Gardens every Saturday 7 am - 9 am EST. Call in with your garden questions 1.888.455.2867, or text 23680. #WFLF #WFLA #FNN #WNDB #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #tropical #floridalife #photography #SHE #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #gardening #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow #CampCodger #Homegardenandhomestead 

Andy Wayment, author of Idaho Upland Days, joins the show to talk about Idaho upland hunting and share a bonus sharptail grouse focused reading list. Show Highlights: Upland hunting in Idaho Early season blue grouse tips and tactics Sharp-tailed grouse hunting and habitat Hungarian Partridge “birds of the void” Andy's sharp-tailed grouse reading list: Randy Schultz, Endless October  Ben O. Williams, Western Wings  Dan Holland, Upland Game Hunter's Bible Tom Huggler, Grouse of North America Jim Fergus, A Hunter's Road  George Bird Grinnell, American Game Bird Shooting  Robert Holthouser, A High Lonesome Call  Charley Waterman, Hunting Upland Birds  John Holt, Kicking Up Trouble Ted Nelson Lundrigan, A Bird in Hand  H.L. Betten, Upland Game Shooting  Ray P. Holland, Scattergunning  Dave Books, Wing Beats & Heartbeats  John Barsness, Western Skies  E. Donnall Thomas, Fool Hen Blues  Worth Matheson, Best Birds Upland and Shore E Donnall Thomas, To All Things a Season Jim McCann, Upland Hunting in Alaska READ | Idaho Upland Days SHOP | Birdshot Podcast Store (Limited time until September 12th) Become a Patreon Support | patreon.com/birdshot Follow us | @birdshot.podcast Use Promo Code | BSP20 to save 20% with onX Hunt The Birdshot Podcast is Presented By: onX Hunt, Final Rise and Upland Gun Company Learn more about your ad choices. Visit megaphone.fm/adchoices

Better Lawns and Gardens Hour 2 – Coming to you from Summit Responsible Solutions Studios,  Garden expert Teresa Watkins discusses responsible pest control, Summer control of mosquitos with Summit Mosquito Bits and Dunks. with Randy Schultz, editor of the award-winning Home Garden and Homestead website. Dirty Word of the Day. Gardening questions and texts include how to control root nematodes in the vegetable garden, propagating gardenias, and more.  https://bit.ly/3c1f5x7 Graphic credit: Summit Chemicals, Home Garden and Homestead, Teresa Watkins Listen to Better Lawns and Gardens every Saturday 7 am - 9 am EST.  Call in with your garden questions 1.888.455.2867, or text 23680.      #WFLF #WFLA #FNN #BetterLawns #gardening #Florida #gardeninglife #talkradio #southflorida #northflorida #centralflorida #tropical #floridalife #SHE #landscaping #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #gardening  #SummitResponsibleSolutions #QualityGreenSpecialists #BlackKow #mosquitos #homegardenandhomestead #homesteading

“We want people that are authentic, and passionate, and want to do what's best for members.” - Jennifer D'AmicoThank you for tuning in to episode 136 of The CUInsight Experience podcast with your host, Randy Smith, co-founder of CUInsight.com. This episode is brought to you by Allied Solutions. Allied Solutions is focused on helping clients grow their bottom line, protect their business and members, and evolve to stay ahead of the competition.My guests on today's show are Jennifer D'Amico and Randy Schultz. Jen is the VP of Marketing at Commonwealth Central Credit Union. Randy is the VP of Marketing at Strum Agency. This episode is filled with insights from two marketing experts in the credit union industry, and was recorded in front of a live audience at the 2022 MAC Conference in Chicago. Jen and Randy talk about what gets them most excited for the future of the movement including data, culture, member experience, and change.During our conversation, Jen and Randy dive into the greatest investment made in each of their careers. Coincidentally, they share similar thoughts on how they immerse themselves in the credit union community. They express the importance of creating connections, continuing education, and sharing ideas to stay relevant in the industry. Together we chat about what to look for in building a strong team that understands the culture and the “why” of the organization.Jen talks about taking risks in marketing and the balancing act of driving new business and showing positive results, while sharing member stories. Randy gives tips to stay up to date in marketing and speaks on the importance of shifting our mindsets. We chat about the future of the credit union movement and the need to humanize the financial services industry to attract talent.As we wrap up the show, listen in as Jen and Randy discuss work-life balance, Randy's favorite album of all time, and the best combo: Pelotons and puppies. Enjoy my conversation with Jen and Randy!Find the full show notes on cuinsight.com.Subscribe on: Apple Podcasts, Spotify, StitcherBooks mentioned on The CUInsight Experience podcast: Book ListHow to find Jen:Jennifer D'Amico, VP of Marketing at Commonwealth Central Credit Unionjdamico@wealthcu.orghttps://www.wealthcu.orgLinkedIn | Facebook | InstagramHow to find Randy:Randy Schultz, VP of Marketing at Strum Agencyrandy.schultz@strumagency.comhttps://www.strumagency.comLinkedIn | Facebook | Instagram | Twitter

Welcome to the Lancaster Story Slam monthly podcast featuring three excellent stories from our February 22 online story slam. My name is Tony Crocamo, co-producer, with JJ Sheffer, of Lancaster Story Slam. Since you enjoy storytelling, why not join Lancaster Story Slam live each 4th Tuesday of the month. Our theme for March 22 is: ‘Second Thoughts. We will again be online in March. We are working on resuming in-person story slams very soon. For the latest information on that and our current themes, visit LancasterStorySlam.com. And don't forget our friends at York Story Slam every 3rd Tuesday of the month, their March 15th theme is: Close Call. We are pleased to announce that LancLiving is a LSS sponsor for 2022, their fourth consecutive year! LancLiving is a real estate and property management firm based in downtown Lancaster, serving communities throughout Lancaster County, and focused on providing clients with ethical and knowledgeable service. LancLiving proudly supports great story telling through Lancaster Story Slam. Each month our storytellers present a true story related to the theme of the month. They don't use props, notes, or music—just the storyteller at the mic for a five-minute story. Each month's winner earns a spot in our Nov. 29 Lancaster Story Slam grand slam. Our theme for February was Worst-case scenario. We heard stories that were humorous, frightening, sobering, and tragic. First up is Beth Profitt.   Beth, a first time storyteller, won our Feb. Slam with her story of preparation and heartbreak. As a child Beth's favorite novel began with a disaster and celebrated being prepared for any eventuality. Beth shares how she adopted being prepared very seriously all her life. And how she discovered no amount of preparation steel's you for life's Worst-Case Scenario   Randy Schulz It's often said that Love is blind, and it's true that some have found love on a blind date. Fearing a Worst-Case Scenario, Randy Schultz tells us why he delayed, for more than a year, going on a blind date with Gail. He couldn't know Gail would become the love of his life or that only his half of the date could be considered blind.   Melissa Anne Snavely in her Worst-case Scenario story self-professed goody-two shoes Melissa Snavely raises the philosophical question of whether one can do the right thing for the wrong reason. Her story involves a hockey game, penalty boxes, public transportation, a random act of vandalism and its consequences.   So glad you could join us for these three samples from our February 2022 Lancaster Story Slam. Next month we'll post stories from March 22 Lancaster Story Slam; the Theme is: ‘Second Thoughts. To join us live, visit LancasterStorySlam.com And please remember when you, friends, family, or co-workers are ready to buy or sell real estate in the Lancaster area, contact your LancLiving agent, Alex King at alex@lancliving.com

Better Lawns and Gardens Hour 2 – Valentine's Day weekend with Randy Schultz, editor of HomeGardenandHomestead, the best garden website in the Plant Kingdom. Teresa provides more Valentine's Day trivia which has Lizzie gagging. Randy announces the National Garden Bureau's 2022 Green Thumb Award winners.  Garden questions and texts include: yellowing gardenias, variegated hibiscus reverting, herbs getting woody, dogs eating kumquats, freeze-damaged trees and parrot flowers, and more.  https://bit.ly/3c1f5x7      Graphic credits: Teresa Watkins Listen to Better Lawns and Gardens every Saturday 7 am - 9 am EST.  Call in with your garden questions 1.888.455.2867, or text 23680.  #WFLF #WFLA #FNN #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #tropical #floridalife #photography #SHE #fertilizer #turf #grass #landscaping #fruits #vegetables #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #2022 #winter #freeze #greenthumb #awards #NGB #gardening #SummitResponsibleSolutions 

Better Lawns and Gardens Hour 1 – Happy New Year! Two Hour Special! Better Lawns and Gardens host Teresa Watkins is joined by Tom MacCubbin, the original host emeritus of Better Lawns and Gardens, producer Lizzie Steele, and Homegardenhomestead 's Randy Schultz, to talk about their holidays, favorite new plants, most common garden questions asked, 2022 garden predictions, and more.  https://bit.ly/3fr6SU2  Photo Credit:  Teresa Watkins, Creative Commons    Listen to Better Lawns and Gardens every Saturday 7 am - 9 am EST.  Call in with your garden questions 1.888.455.2867, or text 23680.    #WFLF #WFLA #FNN #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #tropical #floridalife #photography #SHE #fertilizer #turf #grass #landscaping #fruits #vegetables #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #WRLN #WiOD #NewYearsDay #HNY #2022 #resolutions #RandySchultz #homegardenhomestead #winter

Better Lawns and Gardens Hour 2 - Garden Expert, Teresa Watkins, is joined by special guest and Santa Helper, Randy Schultz, President of Schultz Communications and editor of award-winning Home Garden and Homestead. Randy provides essential and practical gifts that every gardener can use. Dirty Word of the Day fits right into the holiday spirit with mistletoe! Garden calls and texts include why is porterweed leaves turning black, fertilizer, laying sod during winter, rye grass, orchid protection, Hibiscus pruning, and more.  https://bit.ly/3tfLgAd Subscribe to my free monthly gardening newsletter: In Your Backyard. Graphic credits: Teresa Watkins, Home Garden and Homestead Join  Teresa on the amazing Brandywine Garden Extravaganza Tour June 13 - 17, 2021. Listen to Better Lawns and Gardens every Saturday 7 am - 9 am EST.  Call in with your garden questions 1.888.455.2867, or text 23680.  #WFLF #WFLA #FNN #BetterLawns #gardening #Florida #planting #gardeninglife #southflorida #northflorida #centralflorida #tropical #floridalife #SHE #fertilizer #turf #grass #landscaping #fruits #vegetables #Orlando #Sarasota #Miami #FortLauderdale #Fall #WRLN #WiOD#Fall #radio #podcast #winter #Christmas #Christmasgifts #SantaClaus #gifts #presents #stockingstuffers 

Better Lawns and Gardens Hour 2  , Teresa Watkins,discusses seeds with Randy Schultz, editor of Home Garden and Homestead about selecting and planting seeds for your Fall garden. Along the same line, Denise Schreiber, Mrs. Know It All, gardening and tree expert, plants seeds of information that the GardenComm's 2021 national virtual conference happens August 11 - 14th, 2021. Opened to all gardeners and green industry professionals, the conference features horticultural lectures, professional development, meet the editors, and international virtual garden tours. Caller and text questions included crape myrtle and butterfly questions, controlling sedge, spider mites in a clerodendron, and more.  BetterLawns.com Photo Credit:  Teresa Watkins Listen to Better Lawns and Gardens every Saturday 7 am - 9 am EST.  Call in with your garden questions 1-888-455-2967, or text 23680.  #WFLF #WFLA #FNN #BetterLawns #gardening #Florida #planting #gardeninglife #radio #southflorida #northflorida #centralflorida #tropical #floridalife #photography #SHE #fertilizer #turf #grass #landscaping #fruits #vegetables #Orlando #Sarasota #Miami #FortLauderdale #BLGradio #summer #WRLN #WiOD #Deland #August

Better Lawns and Gardens Hour #2 – Gardening experts Teresa Watkins and Tom MacCubbin prepare to battle mosquitos with the help of Randy Schultz, Home Garden and Homestead. Garden topics, questions, and texts include, Queen palms, St. Augustine Lawns, Bermudagrass, wilting purple Crotons; Floratam, invasive wood ferns, getting rid of fleas in the lawn, Bolivian sunflowers, powdery mildew in crapemyrtles, and more.  https://bit.ly/3fr6SU2 Summit Mosquito Bits and Dunks    Teresa's third book, "A Gardener's Compendium Volume 3 Gardening with The Senses" is now out! Photo Credit:  Teresa Watkins, Listen to Better Lawns and Gardens every Saturday 7 am - 9 am EST.  Call in with your garden questions 407.916.5400, 1.888.45.LAWNS, or text 23680.    #WFLF #WFLA #FNN #BetterLawns #gardening #Florida #planting #gardeninglife #podcast #radio #southflorida #northflorida #betterlawns #centralflorida #tropical #May #floridalife #photography #SHE #fertilizer #Summer #landscaping #fruits #trees #drought #landscapes #gardens #palms #Orlando #Miami #FortLauderdale #PortStLucie #BLGradio #mosquitos #watergardens #gutters #homegardenhomestead #WRLN #WiOD 

Better Lawns and Gardens Hour #2 – Gardening expert Tom MacCubbin is joined by Randy Schultz, editor of Home Garden and Homestead discussing the top three gardening trends for 2021, biological pest control, houseplant mania, and cordless electric power tools, gardening questions, texts, and more.  Photo Credit: Home Garden and Homestead Listen to Better Lawns and Gardens every Saturday 7am - 9am EST. Call in with your garden questions 407.916.5400, 1.888.45.LAWNS, or text 23680.  #WFLF #WFLA #FNN #BetterLawns #gardening #Florida #planting #gardeninglife #podcast #radio #southflorida #northflorida #betterlawns #centralflorida #tropical #April #floridalife #photography #SHE #vegetables #Spring #landscaping #trends #gardentools #tools #organic #pestcontrol #houseplants

Ron talks with our friend Randy Schultz. Check out his site at https://homegardenandhomestead.com/

Greg Ross with Four Peaks Brewing Company E17 Four Peaks Brewing Co. is an Arizona brewery and restaurant that was founded by Andy Ingram, Jim Scussel, and Randy Schultz. The original and main location is in an old creamery and warehouse on 8th Street in Tempe, Arizona, about one-half mile (800 m) east of the […]

Greg Ross with Four Peaks Brewing Company E17 Four Peaks Brewing Co. is an Arizona brewery and restaurant that was founded by Andy Ingram, Jim Scussel, and Randy Schultz. The original and main location is in an old creamery and warehouse on 8th Street in Tempe, Arizona, about one-half mile (800 m) east of the […] The post Greg Ross with Four Peaks Brewing Company E17 appeared first on Business RadioX ®.

Better Lawns and Gardens (http://betterlawns.com/homenew.asp) Hour #2 –  Randy Schultz, Schultz Communications (http://www.schultzpr.com/) , joins gardening experts Teresa Watkins and Tom MacCubbin to discuss Christmas gifts for gardeners and homeowners.  (https://bit.ly/2IWMKNc) Calls and text questions include gardenias, rabbits hare ferns( ?), Red Flame grapefruit problems, cool season annuals, and more.     Photo Credit: Teresa Watkins   November In Your Backyard Newsletter (http://www.she-consulting.com/in-your-backyard-newsletter) is out! Listen to Better Lawns and Gardens (https://bit.ly/30cciv3) every Saturday 7am - 9am EST.     #WFLF #WFLA #FNN #BetterLawns #gardening #Florida #planting #gardeninglife #podcast #radio #southflorida #northflorida #betterlawns #centralflorida #tropicals #November #floridalife #photography #SHE #Georgia #news #holidays #Christmas #gifts #presents 

Better Lawns and Gardens (http://betterlawns.com/homenew.asp) Hour #2 How to Create Goth Gardens with Randy Schultz https://bit.ly/2FCCWGq  Home Garden and Homestead . (https://homegardenandhomestead.com/how-to-create-a-goth-garden/) Join  #gardening experts Tom MacCubbin and Teresa Watkins to get Florida-friendly landscape information on bromeliads, Christmas cacti, camellias, fertilizer spikes, getting rid of Mexican petunias, time to plant kumquats, Walters Viburnum, and more. October In Your Backyard Newsletter (http://www.she-consulting.com/in-your-backyard-newsletter) is out! Listen to Better Lawns and Gardens (https://bit.ly/30cciv3) every Saturday 7am - 9am EST.   #WFLF #WFLA #FNN #BetterLawns #gardening #Florida #desserts #planting  #gardeninglife #podcast #radio #southflorida #ornamentalgrass #northflorida #betterlawns #centralflorida #tropicals #October #floridalife #photography #UF #she #Georgia #news #Halloween #goth #gothic 

Gardening experts Tom MacCubbin and Teresa Watkins discuss mosquito issues with Randy Schultz, editor of Home Garden and Homestead. (https://homegardenandhomestead.com/)   Gardening questions include rain barrels, tomatoes, nematodes, and fungicides, Okinawa sweet potatoes, and caterpillars. Free monthly gardening newsletter In Your Backyard https://bit.ly/3dY1SUI  https://bit.ly/37l9Q7K #WFLA #WFLF #FNN #Florida #gardening #BetterLawns #podcast #InYourBackyard #SHE #podcast #landscape design #newsletter #iHeart

America's Happy Gardener is on the air; we're answering gardening questions, sharing our bulletin board of gardening events, and featured Randy Schultz as a guest to discuss mosquito control, as the official beginning of summer approaches!

Our guest at 8:30 was Randy Schultz, garden editor of homegardenandhomestead.com; Randy was here to tell us about all sorts of cool gifts for gardeners!  

A true road warrior, Randy Schultz travels extensively across the country with his five Brittany’s in pursuit of virtually every huntable game bird species. He chronicles his passion in a blog, “A Bird Hunter’s Thoughts,” a podcast “Turn ‘Em Loose,” and in his new book “Endless October.”Randy shares his thoughts on traveling, offering tips and advice on everything from dog care to health and safety. He shares his favorite places and bird species … and why he’s so enamored with each. He offers a unique personal rationale for hunting, discusses dog training during a hunt, and why. He explains why and how trialing can help hunting dogs, and vice-versa. We'll cover training tips and must-have gear for the traveling bird hunter in this informative discussion.Plus, a public-access tip, dog handling advice on how acoustics make your dog look worse than he is, and the soon-to-be-legendary Upland Nation trivia quiz and a YETI prize.

Almost 40% of Americans WITH health insurance reported they had received a surprise medical bill in the past year from a doctor or hospital for a service they thought was covered by their insurance plan. Why is this happening? And what can we do about it?  Please Support Congressional Dish – Quick Links Click here to contribute monthly or a lump sum via PayPal Click here to support Congressional Dish for each episode via Patreon Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Send Cash App payments to: $CongressionalDish or Donation@congressionaldish.com Use your bank's online bill pay function to mail contributions to: 5753 Hwy 85 North, Number 4576, Crestview, FL 32536 Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Additional Reading Article: Went to the ER? You may be hit with a surprise medical bill by Tami Luhby, CNN, June 20, 2019. Press Release: House Supports Porter Amendment to Improve Affordable Care Act Enrollment by Representative Katie Porter, Porter House News, June 13, 2019. Article: Alexander-Murrary Bill, by Tammy Luhby, CNN, May 23, 2019. Bill: Bill S. 1531 Stopping The Outrageous Practice of Surprise Medical Bills Act of 2019 by Senator Bill Cassidy, Govtrack.us, May 16, 2019. Press Release: Trauma Coalition Press Release, by Trauma Association of America, May 16, 2019. Article: Trump calls for an end to surprise medical bills by Tami Luhby, CNN, May 9, 2019. Article: UnitedHealth's David Wichmann buys record $4.6 million worth of UNH stock by Alex Wittenberg, Biz Journals, May 7, 2019. Article: After Vox reporting, California moves forward on plan to end surprise ER bills by Sarah Kliff, Vox, April 24, 2019. Article: How to fight an outrageous medical bill, explained by Sarah Kliff, Vox, April 1, 2019 Bill: Bill S. 1266 Protecting Patients from Surprise Medical Bills Act 116th Congress, March 1, 2019. Bill: Bill H.R. 861 End Surprise Billing Act of 2019  116th Congress, January 30, 2019. Article: A $20,243 bike crash: Zuckerberg hospital’s aggressive tactics leave patients with big bills by Sarah Kliff, Vox, January 24, 2019.  Article: After Vox story, Zuckerberg hospital rolls back  by Sarah Kliff, Vox, January 24, 2019. Document: NBER Working Paper No. 23623 Surprise! Out-of-Network Billing for Emergency Care in the United States by Zach Cooper, Fiona Scott Morton and Nathan Shekita, NBER, January 2019 Article: LifePoint merges with RCCH, goes private by Ayla Ellison, Becker Hospital Review, November 16, 2018. Article: “It’s unacceptable”: Sen. Maggie Hassan explains her plan to end surprise ER bills by Sarah Kliff, Vox, October 29, 2018. Article: Gov. Rick Scott took responsibility? No, he took $300 million | Randy Schultz by Randy Schultz, Sun Sentinel News, October 2, 2018. Article: UnitedHealthcare issues warning to hospitals about out-of-network coverage for ER physicians by Susan Morse, Healthcare Finance News, September 25, 2018. Article: Three Ways Self-Insured Plans Can Leverage State Laws to Protect their Members from Balance Billing  by Matthew Albright, The Self-Insurer, September 2018. Article: The Last Company You Would Expect Is Reinventing Health Benefits  by Reed Abelson, NY Times, August 31, 2018. Article: As Health and Financial Challenges Grow, More Older Adults File for Bankruptcy by Lindsey Copeland, Medicare Rights Center, August 9, 2018. Article: A baby was treated with a nap and a bottle of formula. His parents received an $18,000 bill by Jenny Gold, Kaiser Health News and Sarah Kliff, Vox, July 20, 2018. Article: Air Ambulances Are Flying More Patients Than Ever, and Leaving Massive Bills Behind  by  John Tozzi, Bloomberg News, June, 11 2018. Case Docket: Case Proceeding Air Medical Group, KKR North America, and AMR Holdco, In the Matter of Federal Trade Commission, May 3, 2018. Article: Are Physician Staffing Companies Killing the Patient Experience and Bottom Line? by Berta Bustamante, InsideArm, April 10, 2018. Press Release: Ambulance Companies Air Medical Group Holdings, Inc. and AMR Holdco, Inc. Agree to Divest Air Ambulance Services in Hawaii as a Condition of Merger  Federal Trade Commission, March 7, 2018. Document: Letter to Christopher Holden-President and Executive Officer for Envision Healthcare US Senate, September 20, 2017 Bill: California Assembly Bill 72 by Ann Whitehead,JD,RN.,CAP Physicians, August 30, 2017. Report: AIR AMBULANCE Data Collection and Transparency Needed to Enhance DOT Oversight  Government Accountability Office, July 2017. Article: The Company Behind Many Surprise Emergency Room Bills by Julie Creswell,Reed Abelson and Margot Sangor-Katz, NY Times, July 24, 2017. Article: AB 72: No More Balance Billing for Out-of-Network Care In-Network by Staff, Word&Brown, July 14, 2017. Report: Health Policy Report Up in the Air: Inadequate Regulation for Emergency Air Ambulance Transportation Consumer Reports, March 2017. Article: One In Five Inpatient Emergency Department Cases May Lead To Surprise Bills by Christopher Garmon and Benjamin Chartock, Health Affairs, January 2017. Article: Trauma fees growing across the nation at 'absurd' rate by Alexander Zayas and Kris Hunley, Tampa Bay Times, November 21, 2014. Article: 10 Things to Know About HCA Becker's Hospital Review, April 16, 2014. Article: HCA to Eliminate Trauma Fees for Uninsured Patients Becker's Hospital Review, April 10, 2014.   Resources Profile Link: Connie Potter Profile, RN, BSN, MBA-HCA Link  Linkedin. Profile Link: Sherif Zaafran Profile, MD, FASA  Linkedin. Contact Us: Physicans for Fair Coverage  End of the Insurance Gap.org About Us: Independence Company (IBX)  IBX.com Document: License Agreement: Use of Current Procedural Terminology, Fourth Edition ("CPT®")  Centers for Medicare and Medicaid Services 2013-2018 Contributor List: Sen. Rick Scott Election Contributor List   Opensecrets.org Campaign Money Data Table: David Wichmann Political Campaign Contributions 2016 Election Cycle  Campaign Money.com Online Review Score: Regence Health Plan Company Profile Review  BestCompany.com False Claims Act: Nation’s Largest Healthcare Fraud Settlement Doesn’t Stop Medical Behemoth, WhistleBlowerJustice.net Visual Resources   Sound Clip Sources Hearing: NO MORE SURPRISES: PROTECTING PATIENTS FROM SURPRISE MEDICAL BILLS, Not on C-Span, Committee on Energy and Commerce, June 12, 2019. Watch on Youtube Witnesses: Sonji Wilkes: Patient Advocate Sherif Zaafran, MD: Chair of Physicians for Fair Coverage Rick Sherlock: President and CEO of Association of Air Medical Services James Gelfand: Senior Vice President of Health Policy at The ERISA Industry Committee Thomas Nickels: Executive Vice President of the American Hospital Association Jeanette Thornton: Senior Vice President of Product, Employer, and Commercial Policy at Americas’ Health Insurance Plans Claire McAndrew: Director of Campaigns and Partnerships at Families USA Vidor E. Friedman, MD: President of American College of Emergency Physicians Transcript 47:54 CEO Rick Sherlock: Emergency air medical services are highly effective medical interventions appropriate in cases where getting a patient directly to the closest most appropriate medical facility can make a significant difference in their survival in recovery. Today, because of air medical services, 90% of Americans can reach a level one or level two trauma center within an hour. However, since 2010, 90 hospitals have closed in rural areas and an estimated 20% more are at risk of closing. Our members fill the gap created by closures, but this lifeline is fraying as 31 air medical bases have also closed in 2019. 48:31 CEO Rick Sherlock: Emergency or medical providers never make the decision on who to transport. That decision is always made by a requesting physician or medically trained first responder. Air medical crews then respond within minutes, 24 hours a day, seven days a week without any knowledge of a patient’s ability to pay for their services. 48:45 CEO Rick Sherlock: Our members are unique in the healthcare system. The services heavily regulated by the states for the purposes of healthcare, as ambulances and the federal government for aviation safety and services as air carriers. It is their status as air carriers that allow rapid transport of patients over significant distances. Over 33% of our flights cross state lines every day. For that reason, the Airline Deregulation act uniform authority over the national airspace is essential to the provision of this lifesaving service. Exempting air medical services from the ADA would allow states to regulate aviation services, including where and when they’re able to fly, limiting access to healthcare for patients in crisis. 49:54 CEO Rick Sherlock: To prevent balance billing, our members are actively negotiating with insurance companies to secure in-network agreements. One member alone has increased their participation from 5% to almost 43% in the last three years. Despite that, some insurers have refused to discuss in-network agreements. That hurts both patients and caregivers. 50:30 CEO Rick Sherlock: Uh, covering air medical services in full, represents about a $1.70 of the average monthly premium. 51:50 CEO Rick Sherlock: $10,199 was the median cost of providing a helicopter transport. While Medicare paid $5,998, Medicaid paid $3,463 and the uninsured paid $354. This results in an ongoing imbalance between actual costs and government reimbursement and is the single biggest factor in increasing costs. 53:45 Senior VP James Gelfand: We’re focused on three scenarios in which patients end up with big bills they couldn’t see coming or avoid. Number one, a patient receives care at an in-network facility, but is treated by an out of network provider. Number two, a patient requires emergency care, but the provider’s facility or transportation are out of network. And number three, a patient is transferred or handed off without sufficient information or alternatives. It’s usually not the providers you’re planning to see. It’s anesthesiologists, radiologists, pathologists, or emergency providers or transport or an unexpected trip to the NICU. Many work for outsourced medical staffing firms that have adopted a scam strategy of staying out of networks, practicing at in-network facilities and surprise billing patients. It’s deeply concerning, but the problem is narrowly defined and therefore we can fix it. 54:40 Senior VP James Gelfand: The No Surprises Act nails it. It takes patients out of the middle and creates a market based benchmark rate to pay providers fairly. The benchmark is not developed by government and it is not price setting. The committee might also consider network matching. It’s simple. If a provider practices at an in-network facility, they take the in-network rate or they go work somewhere else. Or base the benchmark on Medicare, you could set the rate higher, say 125% of Medicare and still make the system more affordable, sustainable and simpler. These approaches will eliminate the surprise bills. That’s a huge win for patients. 54:50 ** Senior VP James Gelfand: But not everyone wants to stop the surprise bills. Some provider specialties are saying, “let us keep doing what we’re doing, just use binding arbitration to make someone else pay these bills”. They’re asking for a non- transparent process that could force plans and employers to pay massive and fake medical list prices. It’s essentially setting money on fire. Funds that would have been used to pay for healthcare will instead be spent on administrative costs such as lawyers, arbitrators, facility fees, and on reasonable settlement amounts. Make no mistake, patients will pay these costs. 55:20 Senior VP James Gelfand: The ground and air ambulance companies are asking Congress to let them keep surprise billing too. Do nothing, wait for another study, another report, and there have already been four. They know patients cannot shop for them and many participate in no networks. State insurance commissioners are begging for help with air ambulances, but Congress has tied their hands. Employers think Congress should end this. Treat medical transport the same as emergency care. We should end surprise billing in the ER and on the way there. 56:30 Senior VP James Gelfand: Other providers figure they’re willing to stop surprise billing, but only if they can increase in-network rates. They’re calling for network adequacy rules to force insurers and employers to add more providers to their networks, even if those providers demand astronomical payments. Does anyone here actually believe that these hospital based doctors who services cannot be shopped for, who are guaranteed to see our patients, are begging to be included in our networks, but nobody will return their calls? That they have no choice but to go and join these out of network Wall Street owned firms? It doesn’t make sense. 57:00 Senior VP James Gelfand: Employers design health benefits to help our beneficiaries. We don’t sell insurance. We want networks that meet our patients’ needs. Why would we want to cover an operation, but leave out the anesthesia? We want our employees to be able to afford their health insurance too, and that means we must be able to say no when providers are gaming the system. 1:08:10 Dr. Vidor Friedman: Unlike most physicians, emergency physicians are prohibited by federal law from discussing with a patient any potential costs of care or insurance details until they are screened and stabilized. This important patient protection known as Emtala, ensures physicians focus on the immediate medical needs of patients. However, it also means that patients cannot fully understand the potential cost of their care or the limitations of their insurance coverage until they receive the bill. 1:10:40 Dr. Vidor Friedman: The goal should be a system in which everyone is in-network, or essentially that. That requires a level playing field between providers and insurers. Insurers are concerned that benchmarking the even median charges, favors providers. Providers are concerned that benchmarking the median in-network rates, favors insurer’s. What’s Congress to do? ACEP supports a system that has already proven to be balanced between insurers and providers. That is a baseball style independent dispute resolution process similar to that used in New York and noted in the legislative proposal put forth by Doctors, Ruiz Rowe and Busan. 2:02:30 Rep. Brett Guthrie: If there does become a federal arbitration system, what do you think congressional oversight should be? And I don’t know if that should be something that I’m supposed to talk about or…Sonji Wilkes: Well, I’ve been sitting here listening, thinking I pay my insurance premiums, I do my part and I expect the bill to be paid. I mean, there’s only so much I can do to control that and I don’t really care how the reimbursement works. And quite frankly, I think the insurance industry is doing probably better in their bottom line than my bottom line. Um, I want to go to the best provider possible and I want the best care possible. I don’t really care how the payment works. 2:34:50 Dr. Sherif Zaafran: Well, I can tell you that from the physician’s standpoint, for emergency room physicians for example; the average weighted cost of every visit is about $155. 3:49:00 CEO Rick Sherlock: The median cost of a helicopter air transport is $10,199 according to a study conducted in 2017. If you look at the cost of uncompensated care, because Medicare pays less than $.60 on the dollar of that 10,199. About $5,998, Medicaid pays significantly less than that. Less than $3,500 on average, and the uninsured pay about $350. Those make up…those three groups make up 70% of air medical transports. So when you take that cost of uncompensated care and you add it to the median cost of $10,200, that’s the average charge of $36,000 that the representative from New Mexico referenced earlier. When you…when those kinds of situations happen, no one in our industry wants to see a patient or their family placed in jeopardy because they’ve just had a health emergency. Our members will sit down with each individual and their families and work out a solution tailored for them. 3:54:30 Dr. Sherif Zaafran: Again, there is no such thing as an out of network provider. There is a provider who may happen to be out of network with that specific product. So the only one who knows what the product is, is of course the patient and the insurance carrier and they’re the only ones who really have the information as to whether they’re in-network or out of network. Hearing: The Need to Reauthorize the September 11th Victim Compensation Fund, June 11, 2019 Hearing: Hearing on September 11 Victims Compensation Fund, June 11, 2019 Hearing: Watch on CSPAN-Surprise Medical Bills House Ways and Means Subcommittee on Health-May 21, 2019 Committee website Watch on YouTube Witnesses: Rep. Katie Porter (CA) James Patrick Gelfand: Senior Vice President, Health Policy, ERISA Industry Committee Dr. Bobby Mukkamala: Board of Trustees, American Medical Association Tom Nickels: Executive Vice President, Government Relations and Public Policy, American Hospital Association Jeannette Thornton: Senior Vice President for Product, Employer, and Commercial Policy at America’s Health Insurance Plans (AHIP) Transcript *7:15 Chairman Lloyd Doggett (TX): Fortunately, there now appears to be a growing consensus. Most recently joined by president Trump that holding the patient harmless should form the foundation for any surprise billing proposal. Under the legislation that I advanced, patients would only be charged in network cost sharing rates in emergency situations and non-emergency situations out of network charges would be permitted only when the patient has agreed in advance after receiving effective notice regarding any providers and services together with estimated charges. No other bill addressing this issue has yet been filed here in the house, but there is a very useful discussion draft proposal that is being circulated on a bipartisan basis by the House Energy and Commerce Committee and there’s several proposals that have service in the Senate. While every proposal currently begins with the basic premise of the enterprise billing act, conflict remains over how to resolve insurer provider disputes. *13:40 Rep. Katie Porter (CA): I’m concerned about surprise billing, as someone who’s dedicated my life to protecting consumers, but also because I have had to fight my own battle with surprise billing. On August 3rd last year when I was on the campaign trail, I started to feel pain in my abdomen. At 1:00 PM I could not continue and I went home. At 4:31, I texted my campaign manager that I needed to go to the emergency room. I couldn’t safely drive through the pain and I remember sitting on my front porch, so if I lost consciousness, somebody might find me and I wouldn’t be home alone. I didn’t call an ambulance because I was concerned about the cost. I could not drive and I asked my manager to please take me to Hoag hospital. I chose that hospital even though it was farther away from other providers, because I knew Hoag was an in-network facility. When I got to the hospital, I waited six hours alone in the emergency exam room without treatment. When I finally went to surgery, my doctor told me it was nothing to worry about, just a routine appendectomy. I was given anesthesia and when I awoke, the team around me was panicking. They couldn’t get my temperature to drop and they couldn’t get my blood pressure to rise. My appendix had ruptured hours before causing an infection that was making my whole body very sick. I spent the next five days in the hospital receiving powerful IV antibiotics. A few weeks later, I received the bill from my insurance company. The idea of an astronomical hospital bill had weighed heavily on me and I was happy to see that the cost of my emergency room treatment and assessment and hospital charges, and nearly all of my inpatient services, were covered. I remember sitting at my kitchen table and taking a deep breath filled with relief, but a few days later I received another bill. This one from my surgeon. While the hospital I had gone to was in-network, the insurance company now claimed the surgeon was not, even though they had sent me a notification telling me that my surgeon was in-network . Enclosed in that bill for nearly $3,000, was a handout from my surgeon detailing the steps I would have to take while recovering in order to fight to have my insurance company cover the care. So many of his patients had been put in this situation, that this medical doctor had used his staff to address patient billing problems. That’s not what he trained for in medical school. Your so-called explanation of benefits and the surgeon’s handout explained that he was being treated as an out of network provider even though he was employed by and worked at an in-network hospital. As someone in an emergency situation, I had no ability to assess whether he was in or out of network, and in those cases insurers are supposed to cover the costs, but I got that bill because my insurer put profits before patients. I called insurance company to request an appeal. The benefits manager kept asking me questions to guide me and coach me towards saying that it was my surgeon’s fault to blame him for overcharging me. She asked me to call the surgeon and attack my doctor for his bill. Apparently, to Anthem Blue Cross, $3,000 was too high a price for saving my life. The tens of thousands in premiums I’d paid to that company over the years were not enough to have them, cause them to cover the lifesaving care. Nearly five months after I was hospitalized, the surgeon simply requested payment, and at that point I reached out to my employer of the University of California Irvine. That’s when I learned that U.C. Irvine has a designated patient advocate, a medical doctor, whose sole job is to help university employees get the health insurance that the university and the employees pay for. Can we just reflect on that for a moment? The university is paying a medical doctor to do nothing but navigate insurance. Finally, the patient advocate, invoking the fact that I had just been just elected to Congress, was able to get the insurance company to agree to pay my surgeon’s bill. But here’s what I learned from getting sick. I am well educated. I had an employer prepared to help me. I have professional experience fighting for consumer rights, but there are thousands of Americans with fewer resources than me who are surprised with bills far more devastating than mine. I’m here today because they refuse to accept this as the status quo. I refuse to stand idly by while families go bankrupt because of surprise medical bills. Any solution to this issue must rely, must not rely, excuse me, on the patient’s ability to go to war with the insurer or with their provider. That is not the solution. It’s time we start putting patients first. 31:00 Jeanette Thornton: We ask that federal legislation focus on four things. First, balanced billing should be banned in situations where inpatients are involuntarily treated by an out of network provider. This includes emergency health services at any hospital, any health healthcare services or treatment performed at an in-network facility by an out of network provider, not selected by the patient and ambulance transportation in an emergency. Second, health insurance providers should be required to reimburse out of network providers inappropriate and reasonable amount in those above scenarios. Third, state should be required to establish an independent dispute resolution process that works in tandem with the established benchmark. Fourth hospitals or other healthcare providers should be required to provide advanced notice to patients of the network status of the treating providers. We appreciate the health sub-committee chairman Lloyd Doggett has introduced legislation to end surprise billing act or HR 861, which would establish a role for hospitals in providing such notices, along with banning balanced billing. AHIP supports this bill. 46:00 Chairman Lloyd Doggett (TX): What I’m referring to is the difference… Dr. Bobby Mukkamala: Right. Chairman Lloyd Doggett (TX): …in charges and why one one price for those who are in network and another for those that are out. Dr. Bobby Mukkamala: Right. So there is a benefit for me to be in network with Blue Cross Blue Shield of Michigan for example. I get something from that. They sit with me, they show me their data. We had…we worked together on incentive programs to sort of curb costs. If there’s an insurance company that’s in town that does none of that activity to improve the care of the population in my town, but yet wants to benefit from the same rate of compensation to me, they’re doing nothing to earn that discount. Blue Cross sits across from me on a weekly or monthly basis to improve the care of my population. But Golden Rule insurance, that’s new in town for example, doesn’t do any of that work and yet wants to benefit from having the same provider rates. No, I mean, I take a discounted rate from Blue Cross because of all this other robust activity. But if you’re not offering me anything to participate in your network, then naturally, you should be expected to pay more for my services. Right? I get something from Blue Cross. I get nothing from Golden Rule. 53:05 Dr. Bobby Mukkamala: Medicare is usually sort of the foundation upon which all the other insurance companies tend to set their rates. So when I participate in network, like with Blue Cross Blue Shield of Michigan, it’s usually about 110/ 115% of Medicare rates. So that’s one step higher. If I don’t participate with Blue Cross Blue Shield of Michigan, then that rate is so I can get the assigned rate from them and then I have a choice about what to do with the balance. And usually in my practice, I write that off. I don’t balance bill the patient. Uh, but Blue Cross Blue Shield sort of sets their rate and that’s it. My point is that, if-in Blue Cross Blue Shield, I have a great relationship with, we do a lot of constructive work together. But if a new insurance company comes into town and puts up billboards and markets their product and says, here, come, come buy our policy, and then they get 15,000 patients to sign up, but has never come to my door to say, you know, when they have an ear, nose and throat problem, we’d like you to be in-network and provide their care. Why should they get the benefit of the in-network price that Blue Cross Blue Shield gets? So, my point, is that that out of network price for this new insurance company that wants me to take care of their patient, but never came to sit down with me to sign a contract, ought to be something that I negotiate with them, not something that’s dictated to me. 55:50 Rep. Mike Thompson (CA): A staff person of mine went to the emergency room. He has insurance. His insurance covered nearly everything, including a cat scan. But a few weeks later, he got two separate bills from physicians he never saw and didn’t ask to see. They reviewed some of his test results and the bill for those two physicians was larger than the bill for his total ER visit. 56:15 Rep. Mike Thompson (CA): It’s also alarming that, uh, according to one study, 20% of hospital visits, one of every five of those visits, uh, that began in the ER, resulted in a surprise bill. 58:30 Dr. Bobby Mukkamala: Uh, yes, sir. So, in answer to your question, there are multiple already cases documented of insurance companies shrinking their network in California because they can get the same service at that rate with physicians that are out of their network. And so, contracts are already not being renewed for physicians that have had contracts for 20 years, and then they go to renew it and they’re dropped from the network. 1:03:00 Dr. Bobby Mukkamala: My wife and I, we contract with probably about 30 insurance companies. When I take a kid’s tonsils out, one insurance company may be $200- may pay me $200, one pays me about $450 and everything in between. I can’t have a different fee in my fee schedule for each of those. So my fee for tonsillectomy is about $475, so that when I do it, I know that the highest paying payer, I’m still-they’re still within that threshold, right? Because if I charge $400, they’re not going to send me $450. They’re going to send me $400. 1:07:00 Jeanette Thornton: So it’s very interesting what we’ve seen and when it comes from a hospital perspective. It’s maybe only 15% of the hospitals nationwide that are causing this issue that results in, you know, 80% of the visits. One of the statistics had cited a lot that result in a surprise medical bill. So this is not every doctor. This is not every hospital that are resulting in these surprise medical bills. It’s really more of a targeted problem. 1:09:15 Tom Nickels: In terms of how much of this is really going on, I think there is a certain level of frustration. I don’t know that we all know with certainty. The only federal study that I’ve seen, that we’ve seen, is from the Federal Trade Commission, which basically said that they studied ambulances going to hospital emergency departments. 99% of hospital emergency departments in that study were in-network. So it’s not the hospital itself that is out of network. it is people, physicians who practice in our institution. 1:22:20 Tom Nickels: The federal government-state government need to acknowledge that they underpay. I mean, Medpack and others acknowledges that this isn’t just industries talking about ourselves. AMA has said the same thing on the physician side, but I think that the federal government and state governments have a responsibility to pay more adequately. The truth of the matter is, and we haven’t even talked about this, is the cost shift is that private insurers pay more than costs and the government pays less. That should end. The government should take responsibility. 1:38:00 Tom Nickels: We cannot force by law, physicians who are not employed by us to take in-network rates. That is-if we did that, um, we would be sued. It would be restraint of trade. Um, however, what we’re trying to suggest here and I think what the other panelists are trying to suggest, is we have a way to protect the patient from that surprise bill. To your question about who are these physicians that you don’t even know about who are treating you, if you come in in an emergency, you don’t know what’s going on. And you need to be taking care of it, who’s ever there is going to take care of you. The other situation which we’ve talked about is when you knowingly come into an inpatient in-network facility. You did all the right things, but an out of network physician, (anesthesiologists, perhaps radiologists, pathologists) takes care of you. And that’s where the, uh, the bill is generated from. So we cannot make people do that. We try to get physicians to be in our networks-in the same networks. But again, this is an issue of private contracting. 1:42:05 Rep. Mike Kelly (PA): I do agree with you. If there’s limited talent there to take care of that specific problem, there has to be a way of compensating for it. Because at the end of the day, it is a business. Dr. Bobby Mukkamala: Right. So the solution is if an insurance company is going to come into Flint, Michigan and sell insurance, they know that eventually they’re going to need a hand surgeon, right? How do they sell insurance to a town that’s an industrial based town, where there’s a lot of hand injuries and not have any hand surgeons in their network? When they put up the billboard saying, “we’re selling insurance here”, they should have at the same time look at their provider list and say, “you know what”?, we’re missing an orthopedic hand surgeon. "Let’s go find one and figure out how to get him in-network or get her in-network. Right? And that’s a step that’s skipped routinely, right? They’ll sell the product for years and then fill in this way with lack of a good provider network by trying to negotiate out of network rates that are the same as in-network because they’d skip that first step, right? Maintain a network adequacy-establish a network adequacy before you sell your product. 1:48:30 James Gelfand: Many of the hospitals are not doing what Zuckerberg hospital was doing. The hospital will be in-network, but they will have outsourced their emergency room to a Wall Street owned private company and that company won’t take insurance. And those guys are definitely making enough profits that Wall Street is suggesting that people should invest in those companies because of these relationships they have with the in-network hospitals and the out of network emergency rooms. Trump remarks on medical billing-Watch on C-SPAN, May 9, 2019 13:00 President Donald Trump: Today I’m announcing principles that should guide Congress in developing bipartisan legislation to end surprise medical billing. And these senators and congressmen and women that are with us today are really leading the charge. And I appreciate that they’re all here. Thank you all. Thank you all for being here. This is fantastic. And I think it’s going to be a successful charge. From what I understand, we have bipartisan support, which is rather shocking. That means it’s very important. That means it’s very good. But that’s great. First, in emergency care situations, patients should never have to bear the burden of out-of-network costs they didn’t agree to pay. So-called balance billing should be prohibited for emergency care. Pretty simple. Second, when patients receive scheduled, non-emergency care, they should be given a clear and honest bill upfront. That means they must be given prices for all services and out-of-pocket payments for which they will be responsible. This will not just protect Americans from surprise charges; it will empower them to choose the best option at the lowest possible price. Third, patients should not receive surprise bills from out-of-network providers that they did not choose themselves. Very unfair. Fourth, legislation should protect patients without increasing federal healthcare expenditures. Additionally, any legislation should lead to greater competition, more choice — very important — and more healthcare freedom. We want patients to be in charge and in total control. And finally, in an effort to address surprise billing, what we do is, all kinds of health insurance — large groups, small group, individual markets, everything. We want everything included. No one in America should be bankrupted and unexpectedly by healthcare costs that are absolutely out of control. No family should be blindsided by outrageous medical bills. And we’ve gone a long way to stop that. Examining Surprise Billing: Protecting Patients from Financial Pain-Not on C-SPAN, House Committee on Education and Labor, April 2, 2019 Watch on YouTube Witnesses: Christen Linke Young: Fellow at USC-Brookings Schaeffer Initiative on Health Policy Ilyse Schuman: Senior Vice President for Health Policy at American Benefits Council Frederick Isasi, Executive Director at Families USA Professor Jack Hoadley: Research Professor Emeritus at Georgetown University’s Health Policy Institute Transcript 7:15 Chairman Frederica Wilson (FL): This is the first hearing the United States Congress has held on surprise billing. 7:30 Chairman Frederica Wilson (FL): Surprise medical bills occur when patients covered by health insurance are subject to higher than expected out of pocket costs for care, received from a provider who is outside of their plan’s network. The victims of surprised medical billing often have no control over whether they’re medical provider is in or out of network. 8:15 Chairman Frederica Wilson (FL): A young San Francisco woman named Nina Dang suffered a severe bike accident. She was barely lucid when a bystander called an ambulance and took her to an emergency room at a nearby hospital. Before she knew it, doctors had done x-rays and scans and put her broken arm in a splint and then sent her on her way. A few months later, Nina was hit with a $20,000 medical bill because the hospital, which she did not choose, was an out of network facility. 8:30 Chairman Frederica Wilson (FL): But even patients who are able to take precautions to avoid out of network costs during a medical emergency, are not immune from surprise bills. Scott Cohan suffered a violent attack one night in Austin, Texas. He woke up in an emergency room with a broken jaw, a throbbing headache, and staples in his head. Despite his shock and immense pain, Scott took out his phone and searched through his insurer’s website to make sure he was laying in an in-network hospital bed. When he found out it was, he proceeded with unnecessary jaw surgery. Imagine Scott’s frustration and devastation when he received a surprise medical bill for nearly $8,000. It turned out that the emergency room was in his insurance network, but the oral surgeon who worked in the ER was not. 16:00 Rep. Tim Walberg (MI): 39% of insured working age adults reported they had received a surprise medical bill in the past year from a doctor, hospital, or lab that they thought was covered by their insurance. Of the 39% of individuals who received surprise medical bills, 50% owed more than $500. 27:05 Ilyse Schuman: While a number of states have sought to address this problem or risk that exempts self insured plans from State Insurance Regulations to ensure that national employers can offer uniform health benefits to employees residing in different states. Accordingly, the problem of surprise billing cannot be left to the states to solve. 33:20 Frederick Isasi: So what’s most important to remember about this issue? We are talking about situations in which families, despite enrolling in health insurance, paying their premiums, doing their homework and trying to work within the system, are being left with completely unanticipated and sometimes financially devastating healthcare bills. And this is happening in part, and I want to say this really clearly because hospitals, doctors and insurers are washing their hands of their patient’s interest. 33:50 Frederick Isasi: Take for example, one significant driver of this problem. The movement of hospitals to offload sapping requirements for their emergency departments to third party management companies. These hospitals very often make no requirements of these companies to ensure the staffing of the ED fit within the insurance networks that the hospitals have agreed to. As a result, a patient who does their homework ahead of time and rightly thinks they’re going to an in network hospital, received services from an out of network physician and a surprise medical bill follows. 34:20 Frederick Isasi: Let me give you one real world example. Nicole Briggs from Morrison, Colorado outside of Denver. Nicole woke up in the middle of the night with intense stomach pain. She went to a freestanding ER. She was told she needed an emergency appendectomy. She went to a local hospital. She did her due diligence. Confirmed repeatedly that the hospital and its providers were in network. However, months later she received a surprise bill from the surgeon who ended up, was out of network. The bill to Nicole was $5,000. Nicole tried to work it out with her insurance company, but within two years, a collection agency representing the surgeon took her to court and won the full amount, including interest. As a result, a lien was placed on her home and the collection agency garnished her wages each month. This came right before Nicole was about to deliver a baby and go on maternity leave. And by the way, this investigation found that there were over 170 liens placed on people’s homes in the Denver area by emergency department physicians. 38:05 Professor Jack Hoadley: Our research shows that today, 25 states have acted to protect consumers from surprise bills in at least some circumstances. Nine of these 25 meet our standards as offering what we consider to be comprehensive protection. For protections to be comprehensive, we look to number one, whether they apply in both emergency situations and an in-network hospital setting, such as electing an in-network surgeon, but being treated by another clinician who’s out of network. Second, that these laws apply to both HMO’s, PPO’s and all other types of insurance. Third, that the law does address both insurers by requiring them to hold consumer’s harmless from balanced bills and providers by barring them from sending balanced bills. And fourth, that the laws adopt some kind of a payment standard. Uh, either a rule to determine payment from insurance provider or an arbitration process to resolve payment disputes. Although these four conditions don’t guarantee complete protection for consumers, they combine to protect consumers in most emergency and network hospital settings that the states can address. But as you’ve already heard, state protections are limited by federal law, ERISA, which exempt states from state regulation’s, self insured, employer sponsored plans. 43:30 Chairman Frederica Wilson (FL): Under current law, who is responsible for making sure that a doctor or a hospital is in-network? Is it the doctor, the insurance company or the patient themselves? Frederick Isasi: Uh, chairman Wilson, thank you for the question. To be very clear, it is the patient themselves that has a responsibility and these negotiations are very complex. These are some of the most important and intense negotiations in the healthcare sector between a payer and a provider. There is absolutely no visibility for a consumer to understand what’s going on there. And so the notion that a consumer would walk into an emergency department and know, for example, that their doctor was out of network because that hospital could not reach agreement on an in-network provider for the ED is absurd, right? There’s no way they would ever know that. And similarly, if you walk in and you received surgery and it turns out your anesthesiologist isn’t in-network, there’s no way for the consumer to know that. Um, and I would like to say there’s some discussion about transparency and creating, you know, sort of provider directories. We’ve tried to do that in many instances. And what we know is that right now the healthcare sector has no real way to provide real actual insight to consumers about who’s in-network, and who’s out of network. I would-probably everybody in this room has tried at some point to figure out if a doctor’s in-network and out of network and as we know that system doesn’t work. So this idea that consumers can do research and find out what’s happened behind the scenes in these very intensive negotiations is absurd and it doesn’t work. 46:30 Professor Jack Hoadley: Provider directories can be notoriously inaccurate. One of the things that, even if they are accurate, that I’ve seen in my own family is you may be enrolled in Blue Cross-You ask your physician, "are they participating in Blue Cross? They say “yes”, but it turns out Blue Cross has a variety of different networks. This would be true of any insurance company, and so you know, you may be in this one particular flavor of the Blue Cross plan and your provider may not participate in that particular network. 47:30 Christen Linke Young: Notice isn’t enough here. Even if a consumer had perfect information, which is not a reasonable expectation, but even if they did have perfect information, they can’t do anything with that information. They can’t go across town to get their anesthesia and then come back to the hospital. Um, their-even with perfect information, they may be treated by out of network providers. And so we need to set a standard that limits how much providers can be paid in these out of network scenarios that makes it sort of less attractive for providers to remain out of network. And so instead, they are subject to more normal market conditions. 1:01:25 Rep. Phil Roe (TN): I’ve had my name in networks that I wasn’t in. That you-that you use, and many of those unscrupulous networks, will use that too to get people to sign up because this doctor, my doctor is in there when you’re really not. 1:10:25 Frederick Isasi: Um, there is a concept here, which is, what does in network mean, right? When you sit down with your husband or your partner and decide what kind of insurance do we want for our kids, right? We want to make sure that they can go to the ED if they’re playing soccer, they get hurt, all those sorts of things. The question is when you make that decision and you say, "Oh, look, this hospital is in-network, right? But what does that mean? If you can go to that hospital and all the services they’re providing are out of network, right? And I think as you’ve said, and as we’ve heard from other folks, the patient is not the person who should be responsible for that. It’s the folks who are negotiating. It’s the hospital, it’s the doc’s and the payers that should bear that responsibility. So let’s start by clarifying what does in-network mean, so that we have some way of making educated decisions about the insurance that we’re purchasing and putting our trust in. 1:29:30 Professor Jack Hoadley: There may be instances where consumers get bills sent to them, aren’t aware that they don’t need to pay them, so don’t start the process. And that goes to this sort of point of how do you really make sure it’s not the consumer’s responsibility to figure out that, oh, I don’t, by law, I don’t actually have to pay this bill. Now what do I do to make sure that happens? If you don’t know that, uh, that doesn’t really help you. And so what some other states like California has done, is to include a provision that says the provider really can’t send a bill and if they do end up sending a bill and the consumer pays it, there’s an obligation on that provider to refund the amount that was paid back to the consumer. And that’s something we haven’t seen in some of the other states. 1:39:15 Rep. Joe Courtney (CT): ERISA really has to be dealt with if we’re going to really have a comprehensive solution for America’s patients. Is that correct? Ilyse Schuman: That’s exactly right. Um, for the self funded plan too 60% of employer based plans that are not subject to these state laws, like in Connecticut or other states, we have to have a federal solution that addresses ERISA, so that we deal with this problem in a uniform nationwide way. Documentary: This is a clip from the documentary: 911, Toxic Legacy which aired on Canadian CBC 9/10.2006, September 10, 2006 Community Suggestions See Community Suggestions HERE. Cover Art Design by Only Child Imaginations Music Presented in This Episode Intro & Exit: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio)

Show Summary A team of senior officers from Cadence Bank, led by CEO Sam Tortorici, joined this edition of Frazier & Deeter s Business Beat. Topics included the recent merger with State Bank & Trust, serving Georgia and the North Fulton market specifically, and . This inspiring story of business success is brought to you by […] The post Frazier & Deeter s Business Beat: Cadence Bank appeared first on Business RadioX ®.

Spring into May with Teresa Watkins, gardening expert In Your Backyard. Mind the neighbors on May 4th, it's World Naked Gardening Day. May is also the last month to fertilize these plants in your landscape. Last chance to be part of Teresa's private Buffalo Garden Walk tour July 18th - 21st, 2019. [Check out the fantastic, all-inclusive details.](https://us13.admin.mailchimp.com/campaigns/show?id=1719849) Why can't you use mothballs in the garden? Not to repel snakes, it doesn't work but Teresa explains [the big reason.](http://npic.orst.edu/ingred/ptype/mothball/regulation.html?fbclid=IwAR3GZowYFjv40JD3PgNSHi56u2RUFfDrWBaQZRRHdbQw8zUFUm0nCnRNqbU) Randy Schultz, president of [Schultz Communications](http://www.schultzpr.com/) and content editor of [HomeGardenandHomestead](http://www.HomeGardenandHomestead.com), an online national gardening website stops by to provide new garden flowers and garden tools for Mom that will bring smiles and hugs on Mother's Day.  Find Randy's Mother's Day gardening gifts:  [Garden Auger - Power Planter](https://powerplanter.com/) [Cobrahead Garden Tools](https://www.cobrahead.com/) [Vertex Lifetime Tomator Cages](https://www.gardeners.com/buy/gardeners-vertex-lifetime-tomato-cage/8598426.html) [Logee's Tropical Plants](http://www.Logees.com) - Begonia "Martha Stewart", Desert Rose "Joyful", Cape Primrose "Remembering John." "[Peppy Le Pom" Dwarf Pomegranate](https://www.gardencrossings.com/shrubs/punica-peppy-le-pom) "[After Midnight" English Lavender](https://www.highcountrygardens.com/perennial-plants/lavender/lavandula-flowerkisser-after-midnight-english-lavender) Sign up for ["In Your Backyard" monthly newsletter](https://mailchi.mp/db1edc00e78b/march-in-your-backyard-issue-1-gardening-in-1726965?e=[UNIQID]) for more landscape advice for Florida gardeners.

In Your Backyard with Teresa Watkins Sponsored by Florida's Sunniland Professional Fertilizers and Simon Seed Leesburg. This episode: Teresa talks about which plants need to be brought indoors as cool weather approaches and explains how to "dress" tropical plants for winter conditions. She also interviews Randy Schultz of Home, Garden and Homestead, discussing Christmas gifts for your favorite friends and family.

Sermon on Mark 1:29-34, proclaimed on Sunday, June 14, 2015.

Join Kate and her guest Randy Schultz talking about some great garden gifts.

Our guest this morning was Randy Schultz, fellow who has his finger on the pulse of the garden retail industry; he was here to let us know what might make great gifts for the gardeners in your life (hint, hint). Among the sites that you might sample from would be the relatively new Home Garden and Homestead Dot Com.

So Hollywood had their superstars on the red carpet and we had some of Edmonton's finest singer songwriter's on our stage.  Thanks to everyone who came out and watch out for some incredible talent next week! Performing in this show: Feature performer: Rob Heath w/ Brad Hardstaff Daniel Moir Edward Blicq Harry Sumantry w/ Brad Hardstaff & Randy Schultz Jordan Norman Alex Vissia Ky Babyn Brandon Baker Tim Chesterton