Podcasts about self funding

Gas sector turns importer. The missing graduates. High demand for Korra. Morning Drive is your daily download of the essential headlines shaping Egypt. From business policy and finance to the latest in tech, all in under 10 minutes. Hosted by ‘Synthetic Salma’ — an AI-powered version of our own Executive Editor Salma El-Saeed. You can read the full newsletter on the website. Morning Drive is brought to you by: Madinet Masr GRANITE Financial Holding Bonyan for Real Estate Investments And check out our other show Making It, where we speak to CEOs and entrepreneurs about building a great business in the region.See omnystudio.com/listener for privacy information.

Are you tired of the "lazy way" to cut healthcare costs—just increasing deductibles and co-pays? In this episode, we're talking to someone who calls that approach what it is: the definition of insanity. Host Ramesh Kumar welcomes Adam V. Russo, Esq.—co-founder and visionary of The Phia Group, LLC, an innovative cost containment leader and attorney who represents employers and plan fiduciaries across the U.S. Adam is here to break down the secrets of delivering a great healthcare experience on a self-funded plan. You'll learn: • Why Direct Primary Care (DPC) is being called the "best" plan design choice for both employee retention and health, with studies showing a 13% reduction in overall claim spend in the first year. • How Adam's company, a successful self-funded employer, leveraged DPC to personally circumvent a $6,000 to $10,000 ER bill for just $80 a month. • The critical need for a complete employee mindset shift and a five-year education plan to truly win at cost management. Don't miss this powerful conversation on why increasing cost-sharing measures has failed, and how DPC offers a path to long-term success. Tune in now! Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

Allison Ellsworth built Poppi from a homemade prebiotic soda to a $2 billion brand acquired by Pepsi… but you already know that. Today, Allison talks about what happens afterward, and how to follow-up a successful first act. Allison opens up about the unexpected grief of letting go of a company that was her identity, and the pressure of building a new company after a successful exit. She also digs into advice for anyone who has a different money mindset than their spouse, and how to find common ground.  Plus, Allison shares how she's talking to her three young kids about money and work— and why her kids waving her off with "Have fun, Mom" is her greatest parenting win. Check out Nicole's financial literacy course The Money School Find a Financial Advisor or Financial Coach from Nicole's company Private Wealth Collective Watch video clips from the pod on Money Rehab's Instagram and Nicole Lapin's Instagram Keep up with Allison on Instagram and TikTok Here's what Nicole covers with Allison:  00:00 Are You Ready for Some Money Rehab?  01:10 When the Wire Hit 03:20 What People Get Wrong About "Billionaire" Headlines  04:15 The $50K Investment That Went Bankrupt Overnight  05:50 What Skills Transfer From Running a Company to Managing Wealth (And What Don't) 07:30 Running Your Personal Finances Like a Business  09:00 The Grief Nobody Warns Founders About  11:05 Separating Your Identity From Your Company  13:00 Founder-Led Content and What's Coming Next in Brand Building  15:20 Building the Second Company Differently  17:40 Self-Funding vs. Taking on Investors  19:30 The Emotional Payoff of Returning Money to Early Investors  21:45 Making 44 People Millionaires  22:00 Lessons From Being a Shark on Shark Tank 23:30 Female Founders, Mom Guilt, and "Spreadsheets in the Bedsheets"  26:40 Opposite Money Mindsets in a Marriage  31:30 Why Allison Has No “Fear Gene” 33:30 Raising Kids With Money Values 36:55 How to Talk to Your Kids About Work Without Losing Them  39:00 Buying Back Time 41:00 Secure the Bag 45:25 Allison Ellsworth's Tip You Can Take Straight to the Bank

In this episode of "Voices of Self-Funding," host Ramesh Kumar sits down with Trey Hinson, Founder of Goliath Sales Strategies and a seasoned marketing and sales leader with over 24 years in the healthcare benefits space. Trey unpacks what authentic, research-driven sales and marketing look like in today's self-funded ecosystem. You'll learn: - Why modern brokers are demanding measurable outcomes, value-aligned proof, and a disciplined ICP strategy—and how carriers and TPAs can better meet those expectations. - The shift from feature-centric pitching to case-study-backed storytelling. - The importance of rep enablement for building a sales system that scales sustainably. This is a must-listen conversation for anyone looking to strengthen broker relationships, improve retention, and build sales systems that last. Tune in now! This episode is sponsored by zakipoint Health. At zakipoint Health, we are transforming the healthcare experience by delivering transparency, direction, and personalized support to members of self-insured plans. Our powerful platform unifies all benefit services, data, insights, and tools into one intelligent ecosystem empowering members to make informed decisions and take proactive steps toward better health outcomes. With AI at its core, zakipoint Health functions as the “Intel Inside” of healthcare navigation driving engagement, reducing risk, and delivering measurable cost savings. Employers and partners benefit from robust reporting, actionable insights, and tools that not only identify healthcare risks but also guide members toward high-value care. By bridging the gap between complexity and clarity in the U.S. healthcare system, we help organizations lower costs, improve outcomes, and support healthier, more engaged populations making healthcare less stressful and more effective for millions. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

"I'm going to leave the ladder, I'm going to leave the window open, I'm going to leave the lights on."This week on the podcast, I am joined by Rob Gelb, CEO of Vālenz. Rob has led Vālenz through an era of explosive growth, transforming the company from a 60-person shop in 2018 into a 550-employee powerhouse driving innovation in the self-funded healthcare space.But this episode isn't just about healthcare - it's about leadership, vulnerability, and knowing when to pass the torch.In a surprising and highly emotional moment, Rob uses this episode to make a massive public announcement regarding his future at Valenz and the next chapter of his career. He opens up about the deep self-reflection required to make this major life decision, why true leaders must surround themselves with people smarter than they are, and his ultimate mission to "leave a ladder" for the next generation of executives.We also discuss the "Kobe Bryant mentality" of embracing failure, why playing "not to lose" is a recipe for disaster, and why the future of self-funded healthcare relies entirely on "coopetition" and sharing the blueprint for success.If you are a business leader, an entrepreneur, or anyone trying to make a meaningful impact in your industry, this is an absolute must-listen.Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro: Why the Smartest Leaders Are the "Dumbest" in the Room (00:02:44) The "Broken Glass" Leader & Leaving Ego at the Door (00:04:18) The Kobe Bryant Mentality: Loving to Win vs. Hating to Lose (00:11:41) Playing "Not to Lose" & The Danger of Playing it Safe (00:18:09) Becoming a First-Time CEO at 52 (The "Lattice" Career Path) (00:26:07) "The Obvious is Only Obvious to Those Who Can See It" (00:28:28) Time as the Great Contextualizer (The 3 Dots Framework) (00:32:51) Operating in the "Land Before Time" (Why Healthcare is Broken) (00:39:51) The "Coaching Tree" of Healthcare(00:43:02) Leaving a Ladder: Mentorship & Creating the Future (00:51:27) Overcoming the Inability to Scale in Self-Funded Healthcare (00:56:01) Why We Need "Coopetition" to Fix the $5 Trillion Problem (00:58:42) Rob's Huge Announcement Regarding His Future at Valenz (01:05:15) Closing Thoughts: The Legacy of Leadership & What's NextKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

"I'm going to leave the ladder, I'm going to leave the window open, I'm going to leave the lights on."This week on the podcast, I am joined by Rob Gelb, CEO of Vālenz. Rob has led Vālenz through an era of explosive growth, transforming the company from a 60-person shop in 2018 into a 550-employee powerhouse driving innovation in the self-funded healthcare space.But this episode isn't just about healthcare - it's about leadership, vulnerability, and knowing when to pass the torch.In a surprising and highly emotional moment, Rob uses this episode to make a massive public announcement regarding his future at Valenz and the next chapter of his career. He opens up about the deep self-reflection required to make this major life decision, why true leaders must surround themselves with people smarter than they are, and his ultimate mission to "leave a ladder" for the next generation of executives.We also discuss the "Kobe Bryant mentality" of embracing failure, why playing "not to lose" is a recipe for disaster, and why the future of self-funded healthcare relies entirely on "coopetition" and sharing the blueprint for success.If you are a business leader, an entrepreneur, or anyone trying to make a meaningful impact in your industry, this is an absolute must-listen.Thank you to our 2026 sponsors!ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.Chapters:(00:00:00) Intro: Why the Smartest Leaders Are the "Dumbest" in the Room (00:02:44) The "Broken Glass" Leader & Leaving Ego at the Door (00:04:18) The Kobe Bryant Mentality: Loving to Win vs. Hating to Lose (00:11:41) Playing "Not to Lose" & The Danger of Playing it Safe (00:18:09) Becoming a First-Time CEO at 52 (The "Lattice" Career Path) (00:26:07) "The Obvious is Only Obvious to Those Who Can See It" (00:28:28) Time as the Great Contextualizer (The 3 Dots Framework) (00:32:51) Operating in the "Land Before Time" (Why Healthcare is Broken) (00:39:51) The "Coaching Tree" of Healthcare(00:43:02) Leaving a Ladder: Mentorship & Creating the Future (00:51:27) Overcoming the Inability to Scale in Self-Funded Healthcare (00:56:01) Why We Need "Coopetition" to Fix the $5 Trillion Problem (00:58:42) Rob's Huge Announcement Regarding His Future at Valenz (01:05:15) Closing Thoughts: The Legacy of Leadership & What's NextKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

Spencer Smith is a Senior Vice President at Pareto Health, a leading employee benefit group captive manager that helps midsize employers reduce health insurance costs and volatility. He is also the host of Self-Funded with Spencer, a podcast focused on self-funded employee benefits plans and the complex healthcare ecosystem. Mentioned on the ShowLearn more about Self Funded with Spencer, the podcast hosted by Spencer Smith: https://www.selffundedwithspencer.com/Connect with Spencer Smith on LinkedIn: https://www.linkedin.com/in/spencer-smith-self-fundedSpencer Smith is with ParetoHealth: https://www.paretohealth.com/Both O'Brien and Spencer are fans of the work/videos of Eric Bricker, MD. Learn more:  https://www.ahealthcarez.com/Timestamps(00:00:00) –O'Brien McMahon of People Business welcomes Spencer Smith of Self Funding with Spencer(00:03:12) – How did you get started hosting a podcast about self-funded medical plans? (00:05:42) – What's the difference between a fully insured plan and a self-funded plan? (00:08:08) – What are the benefits of a self-funded plan, beyond cost savings?(00:09:20) – When do self-funding plans make sense, or when do fully insured plans still make sense? (00:13:54) – What is the dreaded insurance "death spiral"?  (00:17:21) – How difficult is it for a company switching from fully insured to a self-funded model?  (00:23:01) – What are the most common mistakes for companies that tried self-funding and had it go poorly? (00:29:38) – What do typical savings look like when moving from fully insured to self-funded, assuming the plan runs as expected? (00:32:28) – What is Pareto Health, and what is Spencer's “day job”? (00:41:47) – What is a healthcare ecosystem, and what does it mean for employees' healthcare consumer experience? (00:44:17) – Why does Spencer think pharmacy plans are a great place to start with exploring self-funding?(00:53:34) – What is care navigation? (00:54:55) – How important is communication when it comes to healthcare benefits? 

Jeff Bliss examines California's "jungle primary" for governor, profiling candidates like Steve Hilton and Tom Steyer, while highlighting Governor Gavin Newsom's controversial practice of self-funding his book tour to manipulate bestseller lists and local popularity. (2)1942 INSPECTORS LONG BEACH, DOUGLAS AIRCRAFT

On this episode of Voices of Self-Funding, host Ramesh Kumar welcomes Jonathan Socko, President of East Coast Underwriters, LLC, a Managing General Underwriter (MGU) specializing in Stop Loss insurance. Jonathan shares his perspective on stop-loss underwriting for small groups and unveils the blueprint for a remarkable success story: a 30-life employer group that has been successfully self-funded for 10 years with their PMPM costs increasing only 10% over that decade. You'll learn: - The crucial role of partner cohesion between the broker, TPA, and stop-loss carrier to manage claims proactively. - Why data transparency and a specific data flow are non-negotiable for effective claim prediction and management. - The essential mindset shift—and commitment to aggressively attacking costs—that ensures a small group's self-funded plan remains successful and sustainable. Don't miss this conversation for an insider's view on stop-loss and the strategy that delivers long-term savings. At zakipoint Health, we are transforming the healthcare experience by delivering transparency, direction, and personalized support to members of self-insured plans. Our powerful platform unifies all benefit services, data, insights, and tools into one intelligent ecosystem empowering members to make informed decisions and take proactive steps toward better health outcomes. With AI at its core, zakipoint Health functions as the “Intel Inside” of healthcare navigation driving engagement, reducing risk, and delivering measurable cost savings. Employers and partners benefit from robust reporting, actionable insights, and tools that not only identify healthcare risks but also guide members toward high-value care. By bridging the gap between complexity and clarity in the U.S. healthcare system, we help organizations lower costs, improve outcomes, and support healthier, more engaged populations making healthcare less stressful and more effective for millions. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

Interview with Wesley Whymark, Director & CEO of Inventus MiningRecording date: 1st March 2026Inventus Mining is doing something most junior gold companies cannot: generating cash from its asset before it has a formal resource estimate, and using that cash to fund its own growth. At its Pardo Paleoplacer project in Ontario, Canada, the company extracts gold-bearing conglomerate from surface, crushes it on-site, and trucks it to McEwen Mining's nearby mill under a pre-sale arrangement. The first bulk sample returned approximately two dollars for every dollar invested. That single data point separates Inventus from the majority of its peers, who depend entirely on shareholder capital to advance their projects.The geology underpinning this model is straightforward and well-understood. The Pardo Paleoplacer project targets a conglomerate reef averaging 2 metres thick and grading 2.5 to 3.5 grams per tonne gold, sitting at or near surface. Drilling costs are low — a single rig can complete two to three holes per day at the current target depths of 0 to 50 metres. Gold recoveries at McEwen's mill are running in the mid-90% range, with 70% of gold captured in the gravity concentrate alone. The metallurgy is not a question mark here. It has been tested at scale through the bulk sampling program itself.The company has now completed 30,000 of its permitted 50,000 tonnes of bulk sample. With 20,000 tonnes remaining, management is prioritising grid drilling to define a maiden mineral resource estimate, targeted for Q3 2026. That resource estimate is the most important near-term event for investors. It will be the first time the market has a formal, independently verified number to attach to the asset, and it will form the basis of the subsequent production permit application targeting 200,000 tonnes of material. Ontario's permitting framework is efficient — once a third-party environmental report is submitted, Ministry approval can come within 45 days. A permit submission is targeted for late 2026, with production potentially commencing in early 2027.The shareholder base adds a further layer of conviction. Eric Sprott holds 16%. McEwen's founder personally holds 17%. McEwen Inc. holds approximately 10%. Together, these three positions account for roughly 43% of the company. These are not passive holders — McEwen's mill is the processing partner, and Sprott has been involved since approximately 2013. Their continued presence signals that those closest to the asset continue to believe in its scale and economic potential.Ore sorting represents the most significant unpriced optionality in the story. A 2018 scoping study showed XRF particle sorting could recover 93% of the gold from just 40% of the mined material — a 160% uplift in mill feed grade and a meaningful reduction in trucking and processing costs. Modern XRF sorters can now process 40 to 120 tonnes per hour, making commercial-scale deployment viable in a way it was not when the study was first conducted. Bulk-scale testing is planned, and the results will be a key secondary catalyst.The risks are real but manageable. McEwen's mill pace has been slower than hoped. The resource remains undefined. Modest additional capital may be needed. But for investors looking for gold exposure through a near-production junior that funds itself, operates in a top-ranked jurisdiction, and carries endorsement from two of the resource sector's most credible names, Inventus Mining presents a case worth examining closely.View Inventus Mining's company profile: https://www.cruxinvestor.com/companies/inventus-mining-corpSign up for Crux Investor: https://cruxinvestor.com

From Capitol Hill ahead of President Trump's State of the Union, Chris Stigall interviews 23-year-old YouTube sensation Nick Shirley, whose viral videos on alleged massive fraud in Minneapolis (including Somali-run daycares and autism programs) have sparked investigations and worldwide attention. Nick shares his journey from church mission trips and self-funded content to confronting threats, facing security needs, and shaking hands with Trump at the White House. He discusses youth frustrations with affordability, college debt, Epstein file delays, and his faith-driven motivation to expose corruption in immigration, fentanyl, and welfare fraud.The next morning at the White House, Chris talks with CMS Administrator Dr. Mehmet Oz about lowering prescription drug prices via TrumpRx.gov (now offering deals on dozens of meds at global lows), flipping the food pyramid for healthier eating, cracking down on fraud in Medicaid/Medicare (including Minnesota scandals), glyphosate concerns with regenerative farming investments, and using AI to combat waste while empowering patients.A timely look at digital influence, health policy, and accountability.00:00:00 - Introduction00:00:25 - Nick Shirley Interview Setup00:00:44 - Nick's Rise and Viral Fame00:01:30 - Pre-Fraud Work and Global Reporting00:03:01 - Trump Encounter and White House Briefing00:03:29 - Youth Views on Trump and Epstein Files00:05:29 - Self-Funding and Independence00:06:29 - Faith and Drive to Expose Issues00:07:14 - Immigration's Impact on Housing00:08:07 - Young People's Frustrations00:08:49 - Threats and Security00:11:05 - Dr. Oz at White House00:11:51 - Food Pyramid and Healthy Eating Push00:13:51 - Glyphosate and Farming Concerns00:18:31 - Fraud Crackdown in Medicaid/Medicare00:21:25 - AI in Health Care and Patient Tools00:24:03 - TrumpRx Drug Price Wins00:25:30 - Faith and Freedom 250Follow The Lion on Facebook, Instagram, X, and YouTube. You can also sign-up for our newsletter and follow our coverage at ReadLion.com. To learn more about the Herzog Foundation, visit HerzogFoundation.com. Like and follow us on Facebook, X, and Instagram, or sign up to receive monthly email updates. #ChristianEducation #Education #EducationPolicy #EducationReform #FaithAndLearning #Family #FaithInEducation #Faith #Homeschool #ChristianSchool #PrivateSchool #EducationNews #News #Religion #ReligiousNews #PublicSchool #SchoolNews #NewsShow #SchoolChoice

On this episode of Voices of Self Funding, host Tom Testa sits down with Matt Ohrt, National Executive Director of the Free Market Medical Association (FMMA), to explore how employers can take back control of healthcare costs and quality through free market principles. Matt shares his personal journey – from a 25-year HR career and near-fatal accident to leading national reform movements like Self Fund Health, Rise Up Health, and Healthcare Best Practice Group. Together, they explore how self-funded employers can drive meaningful change by demanding transparency and value, the rise of direct primary and specialty care as cost-saving, patient-centered alternatives, and why breaking healthcare's “monopoly mindset” is key to restoring competition, affordability, and trust – all while looking ahead to what's next for self-funding and free market reform in 2026 and beyond. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

Nish joins Harry in the studio do learn the new dance all the kids are talking about, the ANDY BURNHAM. They also learn all things sweets from Andy Baxendale. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this special preview episode of Voices of Self Funding, co-host Tom Testa sits down with Ron Peck, Chief Legal Officer at The Phia Group, to discuss his highly anticipated session at Executive Forum 2026: “Fiduciary Gotchas and the Company You Keep.” From revenue-sharing arrangements to PBM contracts and vendor disclosures, Ron shares what TPAs need to know now as courts and regulators sharpen their focus on fiduciary responsibilities. With plaintiff attorneys getting more creative and DOL audits on the rise, this conversation is a must-listen for anyone looking to protect their business and stay compliant. Catch the full session live at Executive Forum 2026 — register today to reserve your seat and join the industry's most important conversations. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

Interview with Stephen Soock, VP of Investor Relations and Development, Heliostar MetalsOur previous interview: https://www.cruxinvestor.com/posts/heliostar-metals-tsxvhstr-big-high-grade-gold-potential-at-anapola-project-3935Recording date: 29th December 2025Heliostar Metals is pursuing an ambitious strategy to transform from a 30-40,000 ounce gold producer in 2025 to a 300,000 ounce operation by decade's end, with a critical differentiator: the entire expansion will be internally financed without shareholder dilution. In a detailed discussion, Stephen Soock, VP of Investor Relations and Development, outlined how the company plans to leverage cash flow from recently restarted Mexican operations to fund systematic development of high-margin projects.The foundation of this strategy rests on the successful restart of operations acquired from Argonaut Gold in November 2024. La Colorada's return to production early in 2025 established initial cash flow, followed by San Augustine's restart in late December 2025. San Augustine, with 68,000 ounces in reserve and projected production of 45,000 ounces over 14 months, is expected to generate approximately $65 million in 2026 at current gold prices. Soock characterised the operation as "a little bit like an ATM" for funding broader growth initiatives.The flagship Ana Paula project represents the centrepiece of Heliostar's transformation. The underground mine's preliminary economic assessment shows compelling economics: $300 million in initial capital for 100,000 ounces annual production at just over $1,000 all-in sustaining costs, placing it in the bottom 15% of the global cost curve. This exceptional positioning derives from a rare combination of 5.5 grams per ton high-grade ore with bulk tonnage characteristics. The company targets a Q1 2027 feasibility study and H2 2028 production start.Looking further ahead, Cerro del Gallo provides additional growth potential with a 15-year mine life producing 85,000-87,000 ounces annually. Despite recent share price appreciation to nearly $800 million valuation, management maintains capital discipline, with Soock stating unequivocally that near-term equity financing remains unnecessary. Trading at 0.28x net asset value, the company sees continued re-rating potential as operational execution de-risks the development pipeline.View Heliostar Metals' company profile: https://www.cruxinvestor.com/companies/heliostar-metalsSign up for Crux Investor: https://cruxinvestor.com

On this episode of Voices of Self-Funding, host Tom Testa speaks with MIT-trained AI researcher and ClarityCare AI co-founder Hermine Tranie about how artificial intelligence is delivering measurable wins in utilization management (UM) and prior authorization (PA). Hermine explains how AI agents convert unstructured records into structured insights, drive real-time approvals at the point of care, and free up nurses for higher-value tasks – boosting accuracy, efficiency, and compliance. As a preview to her interactive “AI Mini-Hackathon” session at HCAA's 2026 Executive Forum, Hermine shares a practical roadmap for adoption and what TPAs and self-funded employers can do today to start seeing ROI. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

On this episode of Voices of Self-Funding, host Ramesh Kumar welcomes Lee Lewis, Chief Strategy Officer at the Health Transformation Alliance and host of the Broken Benefits podcast. Together, they explore how some of the nation's largest employers are reshaping healthcare — and what smaller self-funded employers and TPAs can learn from their playbook. Lee introduces his “ABC” framework: Advanced Primary Care, Behavioral Health, and Centers of Excellence. They dive into why direct primary care is gaining traction, how advanced behavioral therapies like TMS and ketamine can unlock cost-effective mental health care, and why Centers of Excellence and tiered networks are becoming essential levers for better outcomes at lower cost. From strategies to supplement traditional networks to practical steps TPAs can take to differentiate and deliver value, this is a powerful conversation packed with actionable insights for anyone rethinking healthcare benefits in a self-funded world. Registration is now open for HCAA's Executive Forum 2026, where conversations like this continue live. Learn more at HCAA.org. This episode was sponsored by WLT Software. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

"People do more research on buying a refrigerator than they do on buying their health plan. And so I saw that as a level of brokenness that I felt... we as consultants could actually make a profound impact." - Trey HalbertThe old-school, transactional broker is dead. My guest this week, Trey Halbert, CEO of ExperINS, joins the show to discuss the rise of the modern "Strategic Consultant" and what that evolution means for employers.Trey breaks down the playbook for this new, elevated role. We discuss why consultants must align the benefits program with the C-suite's core business strategy, not just the HR department. We also explore how AI is not a threat, but a powerful tool to augment advisors by handling menial tasks (like contract review), freeing them up for the high-level critical thinking and problem-solving where humans truly add value.This entire shift is part of a bigger journey: moving from a career focused on success and "resume virtues" to one focused on significance and "eulogy virtues."Tune in for a high-level discussion on the future of benefits consulting!Chapters:(00:00:00) Aligning Benefits with the C-Suite: The Modern Consultant's Playbook (00:06:23) The Evolution of Self-Funding (00:15:05) Why Consultants Are More Critical Than Ever (00:20:46) The Power of a Peer Network (True Network) (00:29:07) Speaking to the C-Suite, Not Just HR (00:35:51) How Benefits Drive Business Valuation (00:43:19) How AI Will Augment, Not Replace, Brokers (01:04:35) The "No A**holes" Rule & Building CultureKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

"People do more research on buying a refrigerator than they do on buying their health plan. And so I saw that as a level of brokenness that I felt... we as consultants could actually make a profound impact." - Trey HalbertThe old-school, transactional broker is dead. My guest this week, Trey Halbert, CEO of ExperINS, joins the show to discuss the rise of the modern "Strategic Consultant" and what that evolution means for employers.Trey breaks down the playbook for this new, elevated role. We discuss why consultants must align the benefits program with the C-suite's core business strategy, not just the HR department. We also explore how AI is not a threat, but a powerful tool to augment advisors by handling menial tasks (like contract review), freeing them up for the high-level critical thinking and problem-solving where humans truly add value.This entire shift is part of a bigger journey: moving from a career focused on success and "resume virtues" to one focused on significance and "eulogy virtues."Tune in for a high-level discussion on the future of benefits consulting!Chapters:(00:00:00) Aligning Benefits with the C-Suite: The Modern Consultant's Playbook (00:06:23) The Evolution of Self-Funding (00:15:05) Why Consultants Are More Critical Than Ever (00:20:46) The Power of a Peer Network (True Network) (00:29:07) Speaking to the C-Suite, Not Just HR (00:35:51) How Benefits Drive Business Valuation (00:43:19) How AI Will Augment, Not Replace, Brokers (01:04:35) The "No A**holes" Rule & Building CultureKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

On this episode of Voices of Self-Funding, host Ramesh Kumar welcomes Arun Santhebennur, Co-founder and CEO of Voicegain, to explore how voice AI is reshaping healthcare operations for TPAs, payers, and health plans. They tackle the tough truth that 95% of AI pilots fail, unpacking why — from hype and skill gaps to the “build vs. buy” dilemma and change management challenges. More importantly, they share where AI is already succeeding: automating claims status calls, streamlining utilization management, and making complex health plan information accessible to members. Listeners will hear a roadmap for launching successful AI pilots — starting with proven use cases, aligning incentives, and using AI to augment (not replace) people. It's a forward-looking conversation on turning AI from a risky experiment into a real value driver. This episode was sponsored by WLT Software. For more information, visit HCAA.org. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

Philippe Bouissou: Aligning the Dots and Building Businesses that Grow

On this episode of Voices of Self Funding, Jeff Walter and Jim Farley discuss their strategic merger, titled "Merging for Independence". They reveal how independent TPAs like JP Farley and PBA are uniting to drive innovation and enhance customer experience, avoiding absorption by larger firms. Discover how this merger focuses on enhanced service with PBA's EOS system and in-house IT, improving operational efficiency, data management, and enabling quick, independent service delivery for customers. The discussion also highlights their future focus on Direct Primary Care (DPC) and the use of nurse navigators to optimize member experience and efficiency. It's a compelling conversation for understanding how TPAs are evolving to offer superior, independent solutions and seamless third-party integration. This episode was sponsored by WLT Software. For more information, visit HCAA.org. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

Self-insuring can feel complicated—especially when you get into contract provisions or health insurance captives.In Part 2 of our 3-part series with the Podfather himself, Spencer Smith, CSFS®, we break down:What a health insurance captive actually isWhen a captive might be the right fit for your group Key contract nuances every employer should understandPractical insights for anyone dealing with group benefitsThis series was a blast to record and is packed with value for employers, HR pros, and benefits decision-makers. If you missed Part 1, go check it out—and don't miss this episode if you want to take your self-funding knowledge to the next level.HIT LinkedIn: https://www.linkedin.com/company/the-h-i-t-podcast/about/HIT IG: https://www.instagram.com/the_hitpodcast/HIT Spotify: https://open.spotify.com/show/3bZ4GyZEm8Acmo60BetLHm?si=7f59f1b218b14ef6&nd=1&dlsi=cba58f30269a4c34HIT iTunes: https://podcasts.apple.com/us/podcast/the-h-i-t-podcast/id1685677680?i=1000611317315About the Show:The H.I.T. Podcast (Powered by Montage Insurance Solutions): A thought leader in the space, curating the top news and information to deliver a brief, high impact overview designed specifically for the Human Resources professional, business person, and company executive.#TheHITPodcast #SelfFunding #StopLoss #CaptiveInsurance #GroupBenefits #SpencerSmith #Healthcare #HRLeadership #EmployerBenefits

We've got Spencer Smith in the house—and if you know anything about self-funded employer healthcare, you know this guy is the name to listen to. Spencer is the host of “Self Funding with Spencer” and one of the clearest voices in the country at breaking down this complex topic into language everyone can understand.In this 3-part series, we kick things off by covering:What self-insurance really is (and isn't)Why Stop-Loss is the most important piece of the puzzleKey considerations for companies exploring or currently using self-fundingThis is the stuff every employer, HR leader, and benefits decision-maker needs to know—straight from the Podfather of Self-Funding himself.About the Show:The H.I.T. Podcast (Powered by Montage Insurance Solutions): A thought leader in the space, curating the top news and information to deliver a brief, high impact overview designed specifically for the Human Resources professional, business person, and company executive.

Toby Potter is the Founder of Global Integrity Finance and the go-to expert for real estate investors who want to build sustainable wealth without making costly mistakes. Known for transforming struggling investors into confident real estate tycoons, Toby offers strategic partnerships and financing solutions that traditional banks won't—empowering his clients to thrive where others fail. With over 7,000 investor success stories, Toby's proven system consistently helps everyday investors become powerful wealth builders. From humble beginnings as a dairy farm kid with just $600 in his pocket, he rose to build a real estate empire—only to lose it all in the 2008 crash. Refusing to be defeated, Toby rebuilt from the ground up and emerged stronger than ever, earning accolades such as Private Lender of the Year and a coveted spot on the INC 5000 Top 100 Fastest-Growing Companies list. Unlike so-called “gurus” who sell hype, Toby delivers battle-tested strategies that work. He teaches investors how to command capital instead of being controlled by it, building real, lasting wealth without relying on empty promises. Whether you're a new investor or ready to scale, Toby Potter is the trusted partner you need to unlock your financial future. During the show we discussed: Why investors fail in real estate 90% financing on fix & flips Building a portfolio with financing Training to succeed in real estate Finding the right partner Steps before your first deal Starting with wholesaling Launching Global Integrity Finance after 2008 Commanding financing vs. being controlled Creative non-bank financing options Building a portfolio without your own money Deal structure for self-funding portfolios Mindset shifts for success Costly mistakes when scaling Ensuring properties add cash flow Partnerships in scaling wealth Driving mission to help others build wealth Resources: globalintegrityinvestment.com  

On this episode of Voices of Self-Funding, host Ramesh sits down with Jeffrey Bloom, a 25+ year veteran in healthcare and employee benefits, to unpack the power of Direct Primary Care (DPC) for self-funded employers. Jeff brings deep expertise spanning underwriting, care delivery, and affinity markets — and a passion for reshaping member experiences. Together, they explore how DPC: • Delivers hard savings: 12–18% reduction in year one healthcare spend (net of fees), plus an additional 8% stop-loss discount by deflecting high-cost claims. • Transforms access: Members get appointments in 24–48 hours—far faster than traditional systems. • Drives satisfaction & productivity: A scalable, capitated model that eliminates balance billing, improves engagement, and enhances workforce health. This conversation reframes primary care not just as a benefit, but as a strategic cost-containment lever for employers committed to optimizing spend and boosting employee well-being. This episode was sponsored by WLT Software. For more information, visit HCAA.org. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

"Understanding how an underwriter thinks and how they manage risk allows you to create a solution that actually creates impact and change for the long term." - Bobby StuartThis week on the show, I'm joined by Bobby Stuart, a benefits consultant with Hotchkiss Insurance, for a deep dive into the mindset of a modern, forward-thinking advisor. We discuss his journey into the industry and what it takes to guide employers through the complexities of self-funding.Bobby also broke down his playbook for creating long-term value for his clients. We explore why learning to "think like an underwriter" is a crucial skill for managing risk, the importance of simplifying complex ideas for employers, and why mastering the industry's language is the first step to finding simple solutions.We also discuss how these strategies translate into real-world results, including how Bobby's team uses direct contracts and early intervention to help members get high-cost cancer care for free, removing the financial burden so they can focus on their health.Chapters:(00:00:00) How To Think Like An Underwriter (And Why It's A Game-Changer)(00:04:03) Overcoming the Complexity of Self-Funding (00:04:59) Learning to Speak the Language of Insurance (00:08:49) The Power of Thinking Like an Underwriter (00:18:48) How To Stay Optimistic As A Benefits ConsultantKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

"Understanding how an underwriter thinks and how they manage risk allows you to create a solution that actually creates impact and change for the long term." - Bobby StuartThis week on the show, I'm joined by Bobby Stuart, a benefits consultant with Hotchkiss Insurance, for a deep dive into the mindset of a modern, forward-thinking advisor. We discuss his journey into the industry and what it takes to guide employers through the complexities of self-funding.Bobby also broke down his playbook for creating long-term value for his clients. We explore why learning to "think like an underwriter" is a crucial skill for managing risk, the importance of simplifying complex ideas for employers, and why mastering the industry's language is the first step to finding simple solutions.We also discuss how these strategies translate into real-world results, including how Bobby's team uses direct contracts and early intervention to help members get high-cost cancer care for free, removing the financial burden so they can focus on their health.Chapters:(00:00:00) How To Think Like An Underwriter (And Why It's A Game-Changer)(00:04:03) Overcoming the Complexity of Self-Funding (00:04:59) Learning to Speak the Language of Insurance (00:08:49) The Power of Thinking Like an Underwriter (00:18:48) How To Stay Optimistic As A Benefits ConsultantKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen/watch on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/

Host Ramesh Kumar welcomes Dr. Michael Fenster — better known as “Chef Dr. Mike” — interventional cardiologist, classically trained chef, and leading voice in the field of culinary medicine. Chef Dr. Mike will be familiar to many of our listeners as the keynote speaker at HCAA's 2025 Executive Forum. Together, they dive into what it means to move beyond basic nutrition advice toward a truly holistic food-health experience — where timing, setting, social connection, and emotional well-being are all part of the recipe. They explore how employers can build healthier ecosystems for their workforce, and why investing in food as medicine could offer meaningful returns when it comes to preventing chronic disease. It's a rich and energizing conversation that rethinks the role of food in well-being, as well as the role self-funded employers can play in making it work. This episode was sponsored by WLT Software. For more information, visit HCAA.org. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

This week, Jason is joined by entrepreneur, artist, and reality TV personality, known for his appearances on ABC's The Bachelorette and Bachelor in Paradise, the one and only, Justin Glaze! Justin has joined us on Trading Secrets a couple of times, detailing his career in corporate America and as a freelance artist in addition to his experience being a part of Bachelor Nation. Since Justin has been on the podcast last, a lot has changed. He officially launched his canned espresso martini company called Love Potion, and decided to jump back into the reality dating pool by joining the season 10 cast of Bachelor in Paradise.  Justin opens up about how his quest to find the perfect espresso martini led to discovering the secret ingredient that sets his canned creation apart. He shares why he decided to return to Bachelor in Paradise, how talent rates have shifted this season, and why transparency played a key role in his decision to step back into reality TV. Justin talks about taking calculated risks, his true intentions heading back to the beach, and navigating his relationship with Susie—from best friends to dating to a post-breakup. He also discusses his connection with Lexi, the truth behind THAT rose ceremony, where things stand between them now, and answers rapid-fire questions about BIP. Plus, Justin reveals how Love Potion got its name, the money and time that went into building his company, what it took to find a distributor, and his current relationship status. Justin reveals all this and so much more in another episode you can't afford to miss! Host: Jason Tartick Co-Host: David Arduin Audio: John Gurney Guest: Justin Glaze + drinklovepotion.com  Stay connected with the Trading Secrets Podcast!  Instagram: @tradingsecretspodcast  Youtube: Trading Secrets Facebook: Join the Group All Access: Free 30-Day Trial  Trading Secrets Steals & Deals! ROK Financial: Business owners-when opportunity knocks, do you have the capital to answer? ROK Financial, helps small businesses access up to $5 million in funding—in as little as 24 hours. Whether you're expanding, upgrading equipment, or simply need working capital, ROK makes the process fast, simple, and personalized. Visit ROK.biz/tradingsecrets to get started and see what your business may qualify for in seconds. Square:  Whether you're selling lattes, cutting hair, detailing cars, or running a design studio, Square helps you run your business, without running yourself into the ground. With Square, you get all the tools to run your business, with none of the contracts or complexity. And why wait? Right now, you can get up to $200 off Square hardware at square.com/go/tradingsecrets. OpenPhone: OpenPhone is the #1 business phone system that streamlines and scales your customer communication. It works through an app on your phone or computer, so no more carrying two phones or using a landland. Whether you're a one-person operation or have a large team, OpenPhone is a no-brainer. For 20% off your first 6 months, head to OpenPhone.com/tradingsecrets Indeed: Indeed Sponsored Jobs there are no monthly subscriptions, no long-term contracts, and you only pay for results. There's no need to wait any longer-speed up your hiring right now with Indeed. For a $75 SPONSORED JOB CREDIT to get your jobs more visibility at Indeed.com/SECRETS 

Interview with Bo Sears, CEO of Helix ExplorationOur previous interview: https://www.cruxinvestor.com/posts/helix-exploration-lsehex-strategic-producer-targets-us-helium-supply-gap-6513Recording date: 18th June, 2025Helix Exploration presents a compelling investment opportunity as a self-funded helium producer positioned to begin commercial production by end of summer 2025. CEO Bo Sears leads a company with 355 million cubic feet of recoverable helium reserves in Montana's Rudyard Field, demonstrating a perfect drilling success rate with three productive wells from three attempts. The company's processing plant is two-thirds complete with critical membrane units arriving from Europe, positioning Helix to capitalize on helium's unique market characteristics where "there is no substitute for most of helium's applications by virtue of its atomic properties," as Sears explains.Unlike typical resource companies requiring continuous equity raises, Helix maintains a self-funding growth model that eliminates dilution risk while providing operational flexibility. The company projects $4 million gross annual revenue per well at $500 per thousand cubic feet helium pricing, with substantial margins driven by efficient drilling operations and low variable costs primarily related to compression power. This economic model supports organic expansion through cash flow generation rather than dilutive financing, a significant advantage in today's challenging capital markets.The strategic value of North American helium production has increased due to geopolitical tensions affecting major supply sources. With ongoing conflicts near Qatar's North Pars Field, US-based production offers supply security that supports long-term pricing stability. Helium's applications span from MRI machines to semiconductor manufacturing, creating inelastic demand that provides pricing power unavailable in substitutable commodities. As Sears notes, "you can't replace helium with hydrogen for obvious purposes. Think Hindenburg, right? On up the food chain to the MRI machines and the semiconductor manufacturing, there is no other element that can do what Helium does."Helix demonstrates operational excellence through strategic well spacing that allows one well to drain an entire square mile section, minimizing development costs while maximizing recovery. The company's partnerships with established operators Wacoda and Treasure State Drilling provide operational expertise while maintaining cost control. Infrastructure advantages include reliable power access, excellent road networks, and proximity to end markets, with a gathering system design that allows efficient integration of additional wells as production scales.Traditional exploration risks have been substantially reduced through proven reserves, successful drilling results, and an immediate production timeline. Management's 25+ years of industry experience and focus on operational benchmarks differentiate Helix from competitors facing execution challenges. The combination of immediate production timeline, self-funded growth capability, proven reserves, and exposure to a strategic commodity with inelastic demand creates a unique value proposition for investors seeking commodity exposure with limited downside and substantial upside potential in an essential but underappreciated sector.—Learn more: www.cruxinvestor.com/companies/helix-explorationSign up for Crux Investor: https://cruxinvestor.com

This is Part 2 of my keynote from the Main Stage at #CAHR25—if you missed Part 1, definitely go check that out first!In this episode, we dive into Self Funding: what it actually takes to do it well. From point solutions to stop loss nuance to controlling claims, it's all here.If you're in this space, you won't want to miss this one.

Host Ramesh Kumar sits down with Marjorie Morrison — renowned entrepreneur, licensed psychotherapist, and mental health innovator. With decades of clinical and business experience, Marjorie brings deep insight into how self-funded employers can better support mental health while navigating the complexity of today's benefit landscape. She draws on her work as founder of PsychArmor and Psych Hub, as well as her policy and employer-facing advocacy efforts, to share what's working — and what's next. They discuss: The myth of one-size-fits-all mental health. Understanding the range of needs and solutions. How evidence-based practices are driving the next wave of tech-enabled mental health care. Why self-funded employers must take the lead in creating meaningful, flexible mental health benefit structures. Tune in for an honest, energized conversation that reframes mental health as a strategic business priority — and learn how to turn complexity into action. This episode was sponsored by WLT Software. For more information, please visit HCAA.org. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

After 8 years building RNT Fitness, I hit record to share the real, raw journey. Not just the wins, but the setbacks, sacrifices, and doubts. My wife Chandni joins me to pull back the curtain. This was a step out of my comfort zone, I hope you enjoy it!   Chapters: 00:00 The Journey Begins: Eight Years in Business 06:30 The Reality of Entrepreneurship: Freedom vs. Workload 15:43 Building a Team: The Challenges of Delegation 20:58 Tech Development: The Evolution of RNT's Ecosystem 29:35 Investment Decisions: The Freedom of Self- Funding 33:34 Team Structure: Growth, Operations, and Delivery 37:50 Navigating Business Challenges 44:14 The Employee vs. Contractor Dilemma 50:30 Resilience Through Adversity 50:30 Resilience Through Adversity 56:11 The Importance of Team Dynamics 01:02:04 Adapting to Market Changes 01:10:18 Future Directions for RNT 01:12:35 The Challenge of Imitation 01:13:27 Prioritizing Life: The Top Three 01:15:22 Living Life by Design vs. Autopilot 01:18:18 Intentional Living and Course Correction 01:20:46 The Journey of Self-Discovery 01:23:00 Shifting from Potential to Happiness 01:26:22 Creating Space for Mental Clarity 01:30:01 The Importance of Open Communication 01:32:52 Building a Supportive Partnership 01:42:53 Reaching the Reward Phase in Fitness   Next steps:  1) Apply for 1-1 coaching: https://www.rntfitness.co.uk/pro/   2) Take our quiz to see if you're ready for a transformation: http://www.rntfitness.co.uk/transform   3) Get our free book shipped to your door: https://bit.ly/tybtylform   4) Try our free 28 day fat loss accelerator: https://www.rntfitness.co.uk/transformation-accelerator  5) Optimum Nutrition: RNT20 for 20% off Connect with RNT Fitness:  Website  Facebook  Instagram  YouTube  Email  Connect with Akash:  Facebook  Instagram  LinkedIn 

In this episode of Nursing Uncharted, we dive into the inspiring story of Kathryn Dickson, BSN, RN, DNP, ENP-C, FNP-C—nurse, entrepreneur, and the visionary CEO behind OliveUs Apparel. Kathryn takes us on her journey from the bedside to the boardroom, sharing how her passion for nursing sparked the creation of a revolutionary scrub company. This isn't just about scrubs—it's about reimagining what healthcare professionals wear, with a focus on safety, comfort, and innovation.From patented features like a stethoscope holder to sustainable fabrics that prioritize health, Kathryn's designs are changing the game. But this episode isn't just about the scrubs—it's about the heart and hustle behind them. Kathryn opens up about the challenges of entrepreneurship, the power of community among nurse innovators, and the importance of supporting small businesses. Whether you're a nurse, an entrepreneur, or just someone chasing a dream, this conversation is packed with inspiration, practical advice, and a whole lot of heart.Chapters00:00 Welcome to the World of Nurse Entrepreneurship02:47 Kathryn's Journey: From Bedside to Business06:05 Game-Changing Scrub Designs and Features09:04 Why Fabric Safety and Comfort Matter12:09 Redefining Quality in Nursing Apparel14:56 Cracking the Scrub Market: Business Insights23:04 The Push for Sustainable Scrubs26:17 Building a Brand: The Story Behind OliveUs29:15 Innovation in Action: The Stethoscope Holder30:49 Community First: The Philosophy of OliveUs Apparel32:03 What's in a Name? The Meaning of OliveUs34:48 Self-Funding, Growth, and Entrepreneurial Grit38:17 Balancing Passion and Purpose: Nursing Meets Business41:29 Words of Wisdom for Aspiring Nurse Entrepreneurs46:46 Follow Kathryn's Journey About KathrynKathryn Dickson, RN, DNP, is a trailblazing healthcare professional and entrepreneur who has seamlessly merged her passion for nursing with innovative design. From a young age, Kathryn sewed and designed her own clothing—a creative outlet that would later influence her approach to reimagining healthcare apparel. Her journey into nursing began at age six, driven by a desire to make a meaningful impact. As she grew older, Kathryn's commitment to healthcare only deepened, leading her to volunteer at a local hospital during high school and eventually pursue a career as a bedside nurse and emergency nurse practitioner.Through her experiences, Kathryn identified a critical need for improvement in traditional scrubs, particularly regarding safety and functionality. Recognizing the risks associated with wearing stethoscopes around the neck, she took the initiative to design her own scrubs, prioritizing the well-being and comfort of healthcare professionals. This endeavor sparked the creation of OliveUs, a brand that has become synonymous with high-quality, innovative healthcare apparel. As the founder and CEO, Kathryn has tested her products with nurses, respiratory therapists, and doctors, garnering valuable feedback and fostering a community that values both style and substance.Beyond her entrepreneurial pursuits, Kathryn is dedicated to addressing nurse burnout and promoting awareness about the importance of finding passion within the healthcare industry. Her dual role as a bedside nurse and nurse practitioner has provided her with a unique perspective, allowing her to drive innovation that truly meets the needs of healthcare professionals. Through OliveUs, Kathryn continues to empower her peers, advocating for a healthier, more compassionate approach to healthcare.Take 10% off Your Purchase with Code AMNFriends at OliveUs!Follow OliveUs Apparel: Instagram @foroliveusTikTok @foroliveus Celebrate Nurses Month with us on Instagram @AMNNurse! About AnnAnn King, a seasoned travel nurse with a remarkable 14-year track record, has dedicated the past 13 years to specializing in Neonatal ICU. Ann has been traveling with AMN Healthcare for 4.5 years, enriching her expertise with diverse experiences. Currently residing in San Diego, Ann not only thrives in her nursing career but also serves as the host of the Nursing Uncharted podcast, where she shares invaluable insights and stories from the world of nursing. Connect with Ann on Instagram @annifer05 No Better Place than CA! Book your assignment in the Golden State Today! Level up your career today! Find your dream travel assignment! Support for every step. Learn more about AMN Healthcare's EAP Program. Share the opportunity and refer a friend today! Ready to start your next travel assignment in the Golden State? Browse CA Jobs! Episode Sponsor:We're proudly sponsored by AMN Healthcare, the leader in healthcare staffing and workforce solutions. Explore their services at AMN Healthcare. Discover job opportunities and manage your assignments with ease using AMN Passport. Download the AMN Passport App today! Join Our Communities: WebsiteYouTubeInstagramApple PodcastsSpotifyLinkedInFacebook Powered by AMN Healthcare

On this episode of Voices of Self-Funding, Ramesh Kumar sits down with Kari Niblack, CEO of Boon-Chapman, and Amy Gasbarro, President of ELMCRx Solutions, to explore what transformational leadership looks like in the self-funded space. They discuss: Aligning vision and execution – How successful leaders bring teams together with clear goals and strategy. Authenticity in leadership – The power of leading with transparency, purpose, and a parallel personal brand. Differentiation in self-funding – How to stand out and drive innovation in a competitive market. Long-term strategies for empowering teams – The mindset and tools needed to create high-performing, future-ready organizations. Tune in for valuable insights on what it takes to lead, innovate, and inspire in the ever-evolving world of self-funded healthcare. This episode was sponsored by Valenz Health. For more information on managing risks and controlling costs, please visit HCAA.org. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

Chapters00:00 Introduction to Pastor CR Wiley02:01 The Journey into Economic Development05:57 Relief vs. Development: Understanding the Difference10:03 Incentive Misalignment in Development11:58 Success Stories and Economic Development16:03 The Nordic Model: Misconceptions and Realities19:57 Poverty Pimping: The Dark Side of Good Intentions24:56 The Role of Foundations and Funding Dynamics30:04 The Importance of Healthy Households33:54 Cultural and Political Influences on Development38:05 The Messianic View of Government and Poverty42:06 The Role of Self-Funding in Ministry45:09 Empowering Communities Through Church Leadership48:52 The Impact of Male Leadership in Families52:05 Critique of Economic Development Perspectives57:11 Understanding Wealth Creation and Economic Literacy01:01:28 The Importance of Good Governance in Economic Growth01:07:39 Building Healthy Communities Through Church InitiativesTakeaways- Pastor CR Wiley has a diverse background in ministry, philosophy, and real estate.- His experiences in urban ministry shaped his views on economic development.- There is a significant difference between relief and development efforts.- Incentives in the development sector are often misaligned, leading to counterproductive outcomes.- Success in development is rarely measured by actual improvement in communities.- Cultural factors play a crucial role in the success of economic development initiatives.- The Nordic model is often misunderstood and has its own complexities.- Poverty pimping highlights the exploitation of good intentions for personal gain.- Healthy households are essential for community development and success.- Government interventions often create dependencies rather than solutions. Self-funding in ministry allows for greater independence and authenticity.- Churches should focus on empowering their communities rather than relying on external funding.- Strong male leadership is crucial for family and community stability.- Critiques of economic development often overlook the importance of wealth creation.- Understanding economic principles is essential for effective community development.- Good governance is a key factor in economic success.- Healthy communities are built on strong families and churches.- Church initiatives can significantly contribute to local economies.- The ideological capture of evangelicalism can hinder effective ministry.- Success stories in economic development should be studied to replicate positive outcomes.   

Self-funding health insurance through a group medical captive can be a way for businesses of any size to better manage what is often their second greatest expense. And, according to Roundstone Founder and President Mike Schroeder, it may also be a way for business owners to increase the company's value ahead of a sale. On this episode of the Smart Business Dealmakers Podcast, Schroeder talks about the self-funding model as well as its impact on an M&A transaction.

Here's what I love about this episode—we're skipping the medical talk!This episode focuses exclusively on self-funding strategies for your NON-MEDICAL products—think dental and vision. Have you explored this approach?About the Show:The H.I.T. Podcast (Powered by Montage Insurance Solutions): A thought leader in the space, curating the top news and information to deliver a brief, high impact overview designed specifically for the Human Resources professional, business person, and company executive.Find out more here: www.hitpodcast.comSpecial thanks to our Platinum Sponsors: TruHu AND Excel Health PlansThank you to Rula. Visit: www.rula.com/HITpodcastThank you to our Gold Sponsors: Kingdom Legacy Benefits (KLB) AND Cigna

If you are trying to leverage innnovation to deliver high impact to self-insured employers, this podcast is a must-listen for you! Ashok Subramaniam, CEO and co-founder of Centivo, a forward-thinking TPA, answers some of the important questions of major disruptions in the industry around price transparency, unbundling of provider networks, stronger relationships between brokers and TPAs, and the areas of focus to clarify your true value to employers. He frankly outlines where the puck is going to be in 3 years time -- you don't want to be there. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

Michelle Bounce, VP of Business Transformation, VBA Care navigation programs are incredibly valuable in delivering a great experience for patients and significantly lower costs for employers. But why aren't they the norm? Tune into this episode as our guest, Michelle Bounce, VP of Business Transformation, VBA, describes a life-changing personal encounter with our healthcare system, where she lost her child and faced the cold and impersonal healthcare system. And through this chilling experience, it has forever shaped and guided her desire to improve healthcare for all through an empathic care navigation model that treats the “human side of healthcare.” Michelle guides us through how TPAs can effectively turn care management on its head by simply “doing the right thing” and the cost savings follow suit. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

Employers need proven strategies to manage risks and control costs, but with hundreds of point solutions on the market, how do brokers know where to focus? In this episode, a leading benefits consultant shares the innovative solutions they're implementing, why these choices matter, and the pivotal role a trusted TPA plays in this process. Tune in to gain insights that can guide your own risk and cost management decisions. This episode was sponsored by Valenz Health. For more information on managing risks and controlling costs, please visit HCAA.org. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen/

Send us a textIn this episode, we welcome back Danny White for the second part of our discussion on health insurance for business owners. Due to some technical difficulties last week, we're delivering this bonus episode to you. We dive deep into strategies for offering health insurance, from pre-tax contributions to the different types of insurance plans like fully insured, level funding, and self-funding through captives. Danny explains how businesses, especially in Florida, can navigate the health insurance landscape, the role of brokers, and how to maximize employee benefits while managing costs. Essential viewing for business owners looking to enhance their employee benefits packages and improve their bottom line. 00:00 Introduction and Technical Difficulties00:36 Health Insurance for Business Owners01:06 Understanding Employee Benefits Packages02:08 Choosing the Right Health Insurance Plan05:08 Employer Contributions and Cost Management11:11 Level Funding and Claims Data19:59 Self-Funding and Captives27:18 Conclusion and Additional ResourcesCheck out the Palm Valley Wealth Management WebsitePalmValleywm.comCheck us out on InstagramLinkedIn FacebookListen to the Podcast Here! AppleSpotify

A cancer patient relying on the kindness of strangers to fund life extending cancer medication wants to know why he's still waiting for Pharmac to deliver drugs the government committed to funding five months ago. After flip flopping on an election commitment; the government announced a 600 million dollar funding boost for cancer and other medications in June. It said seven of 13 drugs it promised on the election campaign would be covered and the others would be replaced by alternatives. Lung cancer drug Tagrisso or Osimertinib was supposed to be one of the first rolled out. It's a relief for former taxi driver and cancer patient Akhil Chaudhary; he's been funding an average of $1300 a week to buy the drug himself. But Pharmac is yet to make a decision on funding and Akhil is still paying, he spoke to Lisa Owen.

Join us for an insightful conversation with Kirti Mutatkar, CEO of UnitedAg and President of HCAA. Discover how Kirti tripled UnitedAg's business by leveraging the powerful resources of HCAA, and how she's bringing that same energy and passion to benefit other HCAA members. They'll dive into the value HCAA provides to TPAs, brokers, and employers, and explore how its digital programs and live events have empowered organizations like UnitedAg to grow. Kirti will also share her vision as HCAA President and what members can expect in the next two years. Don't miss this deep dive into how HCAA helps employers offer more affordable healthcare to their employees. This episode was sponsored by Valenz Health. For more information on managing pharmacy costs or other topics related to the self-funding industry, please visit HCAA.org. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

In this episode, Emma & David break down the world of self-funding in healthcare, tackling the big myths and uncovering game-changing strategies. Employers often fear self-funding is too risky, but guess what? Many are already doing it through captives without even knowing! They'll explain the difference between fully insured and self-funded plans, clearing up the confusion.The conversation then shifts to cutting healthcare costs. From avoiding level-funded plan overcharges to leveraging free drug programs and direct contracts, they explore smart ways to save. But it doesn't stop there—they also shine a light on systemic issues in healthcare, like the urgent need for cost transparency to prevent crushing medical bills.It's a can't-miss episode for anyone looking to take control of their healthcare costs! TIMESTAMPS[02:20] How fully insured actually works[06:45] Who is paying the claims[09:27] What is level funding[15:40] What Emma & David actually do at E Powered[20:04] The common loss outcome[22:38] Transparency in healthcare costs[24:11] Advice for employers QUOTES “The difference though is that in fully insured you have no control over where the risk comes off your shoulders. You're forced to do with whatever the carrier thinks, and oftentimes that number is a lot higher than you would do on your own because they're aggregating multiple employers, sometimes thousands of employers, into this pool.”-David Contorno“I think the opposite is true. I think you're taking a far bigger risk being fully insured and allowing those people that representation to manage your health plan. I think that is far riskier and you have no control over it. You can't do anything. It's sort of like people ask me about the transparency data. Isn't it great that we have price transparency? I mean sort of, but not really because we're not doing anything with it or about it. And so I just get to see how badly I'm being screwed over. I still can't do anything about it. So you're absolutely right.”- Emma Fox“And I think we need to stop, like, putting our blinders on and pretending like it's not happening when it's, it's. The most common outcome is loss and more loss and more loss. Which is funny. It's not just funny, it's ironic when you consider how much loss comes from buying something that's supposed to protect your risk. Like make it make sense, I guess.” -Emma FoxSOCIAL MEDIA LINKSDavid ContornoLinkedIn: https://www.linkedin.com/in/dcontorno/Emma FoxLinkedIn: https://www.linkedin.com/in/emmamariefox/WEBSITEE-Powered Benefits: https://www.epoweredbenefits.com/Emma Fox: https://emmamariefox.com/Mixed & Edited by Next Day Podcastinfo@nextdaypodcast.com

Host Ramesh Kumar sits down with Paul Ashley, CEBS a Vice President and Consultant at NFP. Paul has 22 years of experience managing health plans for upper- to middle-market employers. During the podcast, we talked about the various ways that organizations can improve transparency and reduce their pharmacy costs, as well as examining the latest trends in PBM contracting. This episode was sponsored by Valenz Health. For more information on PBM contracting or other topics related to the self-funding industry, please visit HCAA.org. Find all of our network podcasts on your favorite podcast platforms and be sure to subscribe and like us. Learn more at www.healthcarenowradio.com/listen

Creating an ambulatory surgery center (ASC) with transparent, affordable pricing is possible and can go a long way in protecting our patients' health, pockets, and futures. Dr. Keith Smith, founder of Oklahoma Surgery Center and the Free Market Medical Association, joins us to explain how to do it. --- CHECK OUT OUR SPONSOR Reflow Medical https://www.reflowmedical.com/ --- SYNPOSIS Dr. Smith shares his journey of creating transparent and affordable healthcare pricing, the challenges faced due to government regulations and insurance companies, and the rapid growth of self-funded companies seeking value in medical services. He highlights the importance of simple, honest pricing and the impact of the Free Market Medical Association in connecting buyers and sellers. Dr. Smith also discusses the expansion of his model beyond Oklahoma and into new surgical centers, emphasizing the need for price transparency in healthcare. --- TIMESTAMPS 00:00 - Introduction 05:06 - Challenges & Growth 14:18 - Self-Funding & Price Transparency 16:47 - Free Market Medical Association 21:44 - Government & Price Transparency 26:19 - Expansion & Future Plans --- RESOURCES Oklahoma Surgery Center: https://surgerycenterok.com/ Free Market Medical Association: https://fmma.org/

In this episode of the Personal Finance Podcast, we're going to talk about the step by step guide to self funding your retirement. How Andrew Can Help You:  Don't let another year pass by without making significant strides toward your dreams. "Master Your Money Goals" is your pathway to a future where your aspirations are not just wishes but realities. Enroll now and make this year count! Join The Master Money Newsletter where you will become smarter with your money in 5 minutes or less per week Here! Learn to invest by joining  Index Fund Pro! This is Andrew's course teaching you how to invest!  Watch The Master Money Youtube Channel! , Ask Andrew a question on Instagram or TikTok.  Learn how to get out of Debt by joining our Free Course  Leave Feedback or Episode Requests here.  Thanks to Our Amazing Sponsors for supporting The Personal Finance Podcast. Shopify: Shopify makes it so easy to sell. Sign up for a one-dollar-per-month trial period at  shopify.com/pfp Monarch Money: Get an extended 30 day free trial at monarchmoney/pfp Thanks to Fundrise for Sponsoring the show! Invest in real estate going to fundrise.com/pfp Indeed: Start hiring NOW with a SEVENTY-FIVE DOLLAR SPONSORED JOB CREDIT to upgrade your job post at Indeed.com/personalfinance Thanks to Policy Genius for Sponsoring the show! Go to policygenius.com to get your free life insurance quote. Delete Me: Use Promo Code PFP for 20% off!   Links Mentioned in This Episode:  The Complete Breakdown of The 2-Fund Portfolio (The Warren Buffett Portfolio) How to Retire At 55 (The Step By Step Plan!) 10 Tips to Optimize Taxes When You Retire Early Should You Contribute to a Roth IRA or Pre-Tax as a High Earner? (By Tax Bracket!) Connect With Andrew on Social Media:  Instagram  TikTok Twitter  Master Money Website  Master Money Youtube Channel   Free Guides:   The Stairway to Wealth: The Order of Operations for your Money  How to Negotiate Your Salary  The 75 Day Money Challenge  Get out Of Debt Fast  Take the Money Personality Quiz Learn more about your ad choices. Visit megaphone.fm/adchoices

Companies like Samsung are sourcing college talent using Scholarship Owl. The firm hit $6m in 2023 revenue, bootstrapped. 150,000 college students join the platform monthly increasing the size and quality of the talent pool the company's B2B customers can pay to access. Can he hit $10m this year?