Self-Funded With Spencer

Revolutionizing Healthcare Coordination and Advocacy with Curus Get ready to dive into the world of healthcare benefits and savings with Spencer Smith's Self-Funded podcast, sponsored by Pareto Health. In this episode, COO Jared Mort from Curus Health shares his expertise on clinical care coordination, or as he refers to it "Care Orchestration", and how to help mid-sized employers reduce their healthcare costs. Jared also discusses Curus Health's approach to total life concierge services, which assists people with chronic illness and clinical conditions in navigating the healthcare system. The conversation is both informative and emotional as Jared and Spencer discuss real-life examples of how Curus Health has helped patients get the necessary care they need while maintaining the quality of their life. Throughout the podcast, Jared emphasizes the importance of coaching patients and encouraging them to be active participants in their care. He discusses the adverse selection and how Curus Health helps reduce costs while mitigating the risk of expensive medical bills. The podcast also explores the team's approach to managing end-of-life care for patients and their families, even after the contract has expired. Jared & Spencer also discuss the challenges of marketing healthcare services to employers and brokers. Jared talks about the cultural apathy that has developed as a result of the bureaucracy and the overwhelming nature of the industry. The hosts emphasize the immense value their services provide to members and the need for more employers to take advantage of them. If you're interested in learning more about healthcare benefits and saving money on your healthcare costs, then the Self-Funded podcast with Spencer Smith is for you. Tune in now to learn more! Timestamps: [00:03:27] Career in Air Force and Transition to Civilian World [00:09:11] Fortnite and Curus: Gaming and Healthcare Mix [00:12:21] Managing Rising Drug Costs in Healthcare [00:15:25] Curus: Revolutionizing Medical Treatment and Patient Care [00:18:30] Virtual healthcare coordination and patient empowerment [00:21:35] Humanity in healthcare [00:24:37] Importance of Patient Advocacy in Healthcare [00:27:45] How medical SWAT teams assist with ongoing medical costs [00:30:32] Marketing Strategies for a Health Product [00:33:43] Challenges in Healthcare Sector and Innovative Solutions [00:36:45] Scalability and Solutions for Healthcare Providers [00:40:02] Curus Health's support for all businesses Hashtags #healthbenefits #employeebenefits #healthcare #selffunding #clinicalcarecoorination #airforceveteran #virtualhealthcare #patientadvocacy #medicalcosts #healthoutcomes #healthcareproviders #malpractice #adverseselect #chroniccare #curishealth #paretohealth #podcasts #healthpodcasts #healthcarepodcasts #smallbusinesshealthcare #healthcarecosts #insurance #healthinsurance #virtualcare #virtualmedicine #patientcare

Data Analytics for the Modern Benefits Broker - Mike Pattengale - Springbuk Looking to learn about the future of data analytics in healthcare? Look no further than Self-Funded with Spencer! Host Spencer Smith welcomes guest Mike Pattengale from Springbuk to discuss their innovative approach to data analytics and how it helps drive informed decisions. The two discuss the impact of COVID-19 on the healthcare industry and how data analytics can help employers make better decisions regarding the well-being of their employees. Mike and Spencer reflect on their experience of navigating the pandemic and the challenges it brought with it, along with its unexpected benefits, such as exploring new avenues like podcasting. As they transition to talking about healthcare analytics, Mike, emphasizes the platform's ability to collect and normalize data from various sources, highlighting the collaborative nature of Springbuk's platform. They discuss the value of data analytics, how it can be used to make informed decisions, and the importance of sharing data and embracing technology in the consulting industry. Mike also discusses the capabilities of their system, including the use of artificial intelligence to identify actionable insights and its clinical and financial impact. They also emphasize the importance of an intentional approach to presenting software features to clients to help them focus on the issues that matter most to them. Overall, the episode provides a wealth of information about the healthcare industry, data analytics, and empowering employers to better manage their claims cost. The hosts and guest make compelling arguments about the benefits of using analytics, embrace of technology, and the importance of forging lasting relationships. This is an episode you won't want to miss, and it's a fantastic introduction to the world of healthcare analytics. Tune in to Self-Funded with Spencer and get ready to learn something new! Timestamps [00:00:09] Navigating Zoom during the pandemic [00:03:19] Mike's Career Pivot during COVID [00:09:47] Mastering sales skills through storytelling and connecting [00:19:24] The Downside of Entrepreneurship [00:22:19] Mike's sales career journey [00:25:25] The Growth and Innovation of Springbuck [00:28:21] Integrating Data Sources for Health Plan Management [00:31:42] Turning Data into Action with Springbuck's Solutions [00:34:53] Data Analysis in Healthcare Spending [00:38:14] Post-COVID Tech Sales Advancements [00:41:27] Benefits and Target Market for the Solution [00:44:44] Data Analytics for Managing Healthcare Costs [00:47:39] The Future of Data Analytics in Business [00:51:00] Balancing Technology and Skilled Professionals in the Industry [00:53:58] AI and Actionable Insights [00:57:01] Future of Healthcare Data Analytics [01:00:07] Challenging Industry Status Quo with Younger Workforce Best Quotes: "I realized everything that I was confident in and my ability to sell was winning people over in person. And I took every strength that I thought I had and it was removed..." "Coming out of the pandemic, and when people go back to real world, you'll either become a hunk, a chunk, or a punk..." [00:05:52] Obviously, brokers need to be talking about this with their employers nowadays, or you're gonna be in a losing position" #virtualcommunication #COVIDpivot #skillsdevelopment #selfdiscovery #contentcreation #dataanalytics #healthcareplan #employeecare #dataenrichment #technologyinhealthcare #transparency #diverseworkforce #gratitude #podcastguest #musicanddrumming #podcastsponsor #Springbuk

Join podcast host Spencer Smith as he sits down with guest Scott Smith from TRUE Network Advisors to discuss topics ranging from leadership to personal growth in the latest episode of Self-Funded with Spencer. Scott and Spencer delve into the concept of authentic leadership, exploring what it means to be "authentic" (a buzzword that makes them cringe) and striving to be the best version of oneself. The discussion also touches on the challenges of providing mentorship and guidance to others and feeling a sense of responsibility for the advice given. Impostor syndrome is also explored in detail, and both speakers reveal their experience with the phenomenon and how it can affect even the most successful individuals. The speakers also ruminate on the importance of taking care of oneself through self-care, delegating tasks, and intentionally spending time in activities that energize and fulfill oneself. Toward the end of the episode, the speakers discuss the importance of legacy and the impact that one has on others beyond just accomplishments. With topics ranging from personal growth to leadership and legacy, this episode of Self-Funded with Spencer is a must-listen for anyone looking for inspiration and practical advice on becoming the best version of oneself. Tune in now for a great discussion of leadership, mentorship, and creating a living legacy with Scott Smith! Timestamps [00:00:09] The Pressure of Podcasting for Influential Listeners [00:03:19] Guest's Public Persona and Use of Humor [00:06:41] Challenging the Notion of "Authenticity" [00:13:16] Evolving as a leader [00:20:09] Overcoming Adversity and Impostor Syndrome [00:26:55] The Importance of Investing in Personal Development [00:30:26] Finding Inspiration in Team Members [00:33:24] Building Connections [00:36:49] Building an intentional legacy [00:40:01] Creating a Legacy through Giving [00:43:11] Working with an Executive Coach [00:46:28] The Importance of Direct Communication in Leadership [00:49:29] The Importance of Self-Care for Work-Life Balance [00:56:09] Delegating and prioritizing tasks for productivity [00:59:10] Challenges of Helping Everyone and Time Management [01:02:10] The Importance of Joy, Legacy, and Authenticity [01:05:17] The Legacy of Parenthood Great Quotes: "Leadership really is caring about people. First and foremost. And if you really mean it and you show it, you demonstrate it, you put others before you, that's the very the foundation of leadership is caring about the people that you're working with" - Scott Smith "If you don't know yourself, and you're not attempting to know yourself, it's gonna be very hard for other people to trust you" - Scott Smith "It became less and less about me and more about what's possible with these organizations". - Scott Smith Hashtags: #podcastpressure #leadershiplegacy #mentorship #employeebenefits #TrueNetworkAdvisers #authenticity #carefirst #selfimprovement #impostorsyndrome #legacybuilding #intentionallegacy #givingback #selfcare #delegation #relationshipbuilding #parentinglegacy #futureplans #podcastbeach #thankyouforlistening

Join host Spencer Smith on another episode of Self-Funded with Spencer, as he welcomes the PBM Princess, Rachel Strauss from EHIM. In this engaging and informative podcast episode, Rachel shares valuable insights about the Pharmacy Benefits Management industry and EHIM's merger with ProCare Rx. Rachel and Spencer also take a deep dive into the importance of transparency in PBMs and how it affects the relationship between PBM and clients. Rachel shares her journey of becoming a PBM consultant and how she found her niche as a problem solver, helping clients navigate complex healthcare systems and policies. This episode discusses PBM selection and highlights the challenges of determining which PBM would work best for your company. Rachel shares her thoughts on a pricing model called "Cost Plus", which Mark Cuban has popularized recently in the world pf Pharmacy Benefit Management. Additionally, the podcast highlights the need to align PBM incentives to client goals, the importance of understanding client priorities, and writing RFPs that align with them. In this engaging conversation, Rachel shares her prediction on the reporting mandates that will track dollars and rebates, potentially affecting the earnings of some companies. Another important aspect of Rachel's work is in fixing problems, rather than just identifying them. She explains that her role is not just about diagnosing issues but providing actionable solutions that can make a difference in the lives of patients and providers. Rachel's work is guided by her passion for improving healthcare access and quality, and she encourages others to find their own purpose and drive in their work. Don't miss the fun banter between Spencer and Rachel as they share stories, opinions, and experiences. Tune in now for an engaging and informative conversation on pharmacy benefits management, self-funding, and everything in between! Chapters; [00:00:00] Introducing "PBM Princess" Rachel Strauss [00:02:32] PBM Princess's Impact in Sales & EHIM's Merger [00:05:50] The Rise of Transparent PBMs [00:08:59] EHIM's Integration into ProCare for Advanced Tech [00:11:59] Navigating emotional experience of company acquisition [00:14:46] Navigating the Complex PBM Industry [00:17:44] Pharmacy Benefit Management complexities and Mark Cuban's involvement [00:20:26] Spread Pricing in Pharmacy Benefit Industry and Mark Cuban's Launch [00:23:22] Strategies for Saving Costs in PBM Industry [00:26:14] PBM Tactics and Rebates Issues [00:29:05] The Deceptive Nature of Pharmaceutical Rebates [00:32:04] EHIM's formulary strategy and committed rebate transparency [00:35:00] Private Equity in PBMs [00:40:37] Turning Healthcare Data into Actionable Insights [00:43:30] Customized Services for Diverse Client Goals [00:46:30] Third-party Vendor Blacklisting and PBM Priorities [00:49:30] Debate on Ozempic coverage for weight loss [00:52:27] Insurance Coverage of Bariatric Surgery [00:55:19] Creativity and Collaboration in PBM #PBMs #pharmacybenefits #consultants #EHIM #ProCareRx #specialtydrugs #transparency #rebates #formulary #privateequity #dataanalytics #medicalcompliance #Ozempic #obesity #bariatricsurgery #creativity #partnerships #healthcareindustry #podcasts #podcastingtips #podcastingcommunity #businessstrategies #salesindustry #employersponsoredplans #specialtypharmacy #pharmacycosts

How to Find Money in Medical Bill Errors - Zoe Holderness - Co-Founder of Slingshot Zoe Holderness, the CTO and co-founder of Slingshot, recently appeared on the podcast, Self-Funded with Spencer featuring host Spencer Smith. Slingshot is a software company that specializes in auditing medical bills. They automatically monitor every claim that comes through for an employer, finding savings and overcharges both for the plan and member. Zoe grew up in Charlotte, North Carolina, and later attended Georgia Tech, where she studied mechanical engineering and computer science. She then moved to California and worked at Tesla as a firmware integration engineer. She then moved on to work for Lyft, working in their E-Bikes division. She got to test out her own work, by riding the bikes everywhere after firmware updates, causing it to be referred to as a "dream job" for her. She also got the chance to work with a lot of women engineers while at Lyft, which is not typical in engineering jobs. Ultimately, an overcharge on a gynecology appointment led her down the path of creating her company - Slingshot. She received an itemized bill and she started reviewing CPT codes and calling the billing office to request audits. Eventually, she was able to get her bill reduced! Along with her co-founder Pranov Duggasani, they started to discuss the prevalence of these medical bill errors with friends of theirs and realized how common this issue was. They discovered that they were able to help their friends reduce their medical bills as well, by about 30% on average! Once they grasped the severity of the problem, they started to develop software to scale the solution instead of just supporting people manually. This led them to Y Combinator, where they received funding and learned the basics of how to start a business. Here are three key takeaways from Zoe's interview: 1. Strive for clarity and transparency- Zoe and her team at Slingshot aim to provide clarity and transparency by uncovering any errors, overcharges, and incorrect coding in medical bills. This can save patients and their families a significant amount of money. 2. Build a strong team- According to Zoe, Slingshot values teamwork, and each member of the team brings a unique skill set that together helps them to achieve success. Slingshot has a transparent, open culture that values input from all employees. 3. Be passionate about your work- Zoe is passionate about technology and healthcare, which has led her to her current role at Slingshot. Her passion and enthusiasm for her work are contagious and serve to motivate the team to give their best. Listen to the podcast to learn more about Slingshot Medical Bill Audits and Zoe Holderness's journey in the tech industry. [00:00:00] Starting a Career in Tech [00:03:01] Working for Lyft [00:05:40] Intro to the Healthcare System [00:08:41] Streamlining Medical Billing with Software Engineering [00:14:20] Y Combinator program and Slingshot's benefits [00:17:17] How to Save on Healthcare Expenses [00:20:11] Slingshot's Role in Employer Plan Error Correction [00:23:04] Improving Hospital Billing Through Coding Changes [00:26:10] Improving Healthcare Billing Accuracy with Machine Learning [00:28:59] Benefits of Healthcare Claims Auditing [00:31:54] The Risks of Denial or Delay in Healthcare [00:34:54] Underutilized Nonprofit Hospital Financial Assistance Policy [00:37:59] Financial Assistance for Healthcare Access [00:40:49] Transparency and Tools Advancing Healthcare If you are someone who has struggled with medical bills and navigating the administrative side of healthcare, Slingshot's expertise in auditing medical bills is worth listening to. #healthcare #medicalbilling #codingerror #SlingshotHealth #YCombinator #startup #MedicalBillAudits #employerbenefits#transparency #innovators #AIgorithms #healthcarecosts #telehealth #primarycare #healthtech #insurancebroker #claimdata #podcast #podcasting #ai #software

How Artificial Intelligence is Powering the Future of Risk with Matt Weaver of Gradient AI In this episode of "Self-Funded with Spencer," host Spencer Smith chats with Matt Weaver, Director of Sales for Gradient AI, about Artificial Intelligence in underwriting tools for self-funding and other stop-loss initiatives. Gradient AI helps underwriters make better assessments of risk, especially when limited loss and claims history exists, or even in the potential absence of claims data altogether. This solution can be helpful in the world of self-funding when it comes to underwriting stop-loss insurance, especially for smaller employers. Matt, who brings his expertise in the legal and sales domains, shares his experience working at large insurance defense firms after law school, selling insurance despite no prior knowledge of the industry, and eventually finding himself working with Gradient AI. He explains how the Gradient AI tool uses advanced data analytics and Artificial Intelligence to accurately assess risk profiles for small and mid-sized business groups. Their platform has revolutionized the underwriting process, making it faster, and much more efficient. They also discuss the challenges of predicting outcomes for the "messy middle" groups and how the pricing model can lead to a rollercoaster ride for employers. Listeners will learn the importance of data to support the recommendation of self-funding and how Gradient AI is using AI to make more informed decisions in the insurance industry. Join Spencer and guest Matt Weaver, as they share their insights into how AI is changing the future of employee benefits and A and H space. Timestamps [00:00:09] Artificial Intelligence in Self-Funding Underwriting Tools [00:03:04] Experience working at an insurance defense firm [00:06:06] Transitioning from Insurance Defense to Benefits Consulting [00:09:01] Starting in Insurance Sales [00:14:42] Transitioning from traditional brokering to consulting [00:17:53] From PEO Consulting to Joining Gradient AI [00:21:04] Gradient AI's Role in Predicting Risk for Insurance [00:27:37] Challenges in Underwriting Self-Funded Businesses [00:30:45] Distinguishing Factors in Predictive Analytics [00:37:14] Risk Scores and Cost Estimates for Health Insurance [00:40:30] Success of Data-Driven Underwriting Tool [00:43:35] Revolutionizing Underwriting in Insurance Industry [00:46:33] Innovative Pricing Model & AI in Health Benefits [00:52:56] The Power of Claims Data in Insurance Consulting [00:55:47] Maximizing Benefits of Self-funded Healthcare Plans [00:59:02] Challenges of Self-Funding for Employers [01:01:59] Procurement processes for clients and use of data [01:05:26] The Future of Artificial Intelligence in Insurance [01:11:47] Risk Analytics and Artificial Intelligence in Insurance

A Professional's Guide to Bespoke Fashion in 2023 - Will Russ - R6 Clothier Get ready to elevate your fashion game with Spencer Smith and his guest, the founder of R6 Clothier, Will Russ. In this exciting episode, they discuss men's fashion in a professional setting, sharing insights from Will's experience in door-to-door sales and the importance of relationships and credibility in starting a successful clothing business. They delve into the mechanics of setting up a custom clothing business, discuss current fashion trends, and emphasize the value of investing in high-quality, custom-made attire. They even announce a new business venture of Will's called "Tailored Gents, which simplifies the process of purchasing custom outfits. Here are three takeaways from Will's journey as an entrepreneur: 1. Embrace your failures: Will admits that he was initially bad at selling clothing because he lacked context, having grown up with a perception of clothing through the limited scope of brands like Tommy Hilfiger and Polo. However, he didn't let this deter him, and with help, he persisted and learned the ropes of the clothing business. 2. Opportunities come in unexpected ways: Will's journey from being a door-to-door book salesman to a professional men's fashion brand owner might not seem linear, but it's not uncommon for entrepreneurial journeys to have twists and turns. 3. Passion for the product: Will's interest in sales stemmed from an interest in the product. He enjoyed being around people and found enjoyment in selling clothing over other products. It's critical to have passion for what you're selling, and it's often what sets entrepreneurs apart. Don't miss this enlightening conversation that will boost your confidence and respect level both inside and outside the office. Tune in now to Self-Funded with Spencer! Timestamps [00:00:09] Interview with Will Russ on Men's Professional Wear [00:03:44] Door-to-Door Sales: Challenges and Triumphs [00:07:03] Mastering Salesmanship with a Steady Mindset [00:10:30] Experience in Fashion Industry and Building Client Trust [00:13:56] Career transition struggles and realization [00:17:36] Starting a Clothing Business from Scratch [00:21:12] Leveraging Relationships to Start a Business [00:24:13] Metrics & Scaling for Small Businesses [00:27:13] Cost-effective Clothing Business Marketing Strategies and Professional Attire Trends [00:30:30] Efficient RFP Management and Fashion for Business [00:33:46] Custom-made clothing features and options [00:36:37] The Benefits of Custom-Made Clothes [00:39:56] The Popularity of Sneakers with Formal Attire [00:43:06] The Importance of Professional Dressing [00:46:21] Taylor Jent - A Simplified Custom Clothing Experience [00:49:34] Revolutionizing Online Clothing Subscriptions [00:52:56] The Future of Professional Fashion [00:56:07] Impact of Appearance on Confidence and Perception #mensfashion #professionalwear #entrepreneurialjourney #sales #customclothing #door2doorsales #coaching #startup #custommade #tailormade #businessattire #casualwear #sneakerswithsuits #investing #selfconfidence #clientrelationships #fashiontrends #podcast #TailoredGents #R6Clothier #bespoke #bespokemenswear #fashion #fashionblogger

Ross Conner, CIC, CRM is a Partner at Hotchkiss Insurance in Fort Worth, TX, where he focuses on helping middle market and franchise businesses grow through a compliant, consistent, and streamlined risk management program. Oh, and Ross is in Property and Casualty, not Employee Benefits. Now you might ask what is a P&C guy doing on a self-funded benefits podcast?! Well besides being hilarious (follow him on LinkedIn here ----> https://www.linkedin.com/in/ross-conner-cic-crm-9b1189a/ ) and having a truly remarkable life story, Ross also created a unique insurance captive to help manage risk at a very large children’s activity franchise. Ross started his career as a general contractor building high-end homes, but an unfortunate downturn in the economy coupled with being overleveraged with inventory he couldn't sell ultimately led him down the path of bankruptcy. Ross was then in a position where he had to reinvent himself and eventually found his way into the world of insurance. In this episode, Ross emphasizes the power of Networking. He says networking played a crucial role in helping him turn his career around and how your network can create opportunities, generate leads, and open doors that can help you grow your business. Here are three tips to make the most of your network: 1. Attend events and conferences: One of the best ways to meet like-minded people and expand your network is by attending industry-specific events and conferences. These events bring together professionals from different backgrounds who share similar interests and can create opportunities for business collaborations. 2. Build genuine relationships: It's important to approach networking as an opportunity to build relationships rather than simply sell yourself or your business. Take the time to listen to others, understand their needs, and offer support and assistance where possible. 3. Follow-up: After connecting with someone, take the initiative to follow up with them. Send an email or set up a phone call to check in and keep the lines of communication open. This is a great episode for anyone who likes risk management, property and casualty discussions, insurance captives, personal growth, and a great redemption story! #contentcreation #insuranceindustry #careerjourney #entrepreneur #finance #bankruptcy #familylife #captives #propertyandcasualty #insurancecompliance #crossselling #technology #cybersecurity #emergingrisks #AI #podcastdiscussion #ChatGPT #businessstrategy #LinkedInmarketing #takingrisks #experiencedsharing #podcastingtips

ICHRA Explained - Everything You Need to Know About Individual Coverage HRA's with Kyle Estep Self-Funded with Spencer, hosted by Spencer Smith, is a podcast for those looking to strategically navigate the complex landscape of health insurance. In this episode, Spencer speaks with guest Kyle Estep from Take Command Health. Kyle Estep is the VP of Growth for Take Command Health. Kyle spent 8 years of his career early on consulting for Deloitte, one of the top consulting firms in the world. He also spent a year in South Africa for Awethu, focused on identifying, developing, and investing in world-class entrepreneurs. He worked alongside the CEO & COO to launch the incubator in Johannesburg, South Africa. His insurance-specific career began at Oscar Health, which was based in New York, and he was hired to help launch their Texas business unit. Kyle built out the sales and distribution team there, helping them scale across the country. His time at Oscar initially led to meeting Jack Hooper, the CEO and Founder of Take Command Health, which offers HRAs for small business health insurance. Specifically, for this episode, we focused on the value of an ICHRA, also known as an Individual Coverage Health Reimbursement Account. An ICHRA is a way for an employer to give tax-free money to its employees so that they can find the health insurance plan that best suits their needs. ICHRAs allow an off-ramp for employers who no longer want to be tasked with managing the risk of a health plan on behalf of their employees, but who still want to provide them with financial support to purchase their desired plans. It is NOT fit for every situation and sometimes depends on the affordability and diversity of plans being offered on the individual market in that specific geographic location. This is where Take Command comes in, in not only consulting around the employer's goals but also analyzing what individual plans are available to benchmark against group health options the employer is quoting as well. In addition to this analysis, Take Command's special sauce is their service around the seamless transition to an ICHRA so that the members still feel supported by their employer. If you have ever wondered what an ICHRA was, what types of companies it works for, and how an employer goes about switching to this arrangement, then this is the episode for you! #SelfFunded #Deloitte #HealthInsurance #ConsumerProtection #ICHRA #Tax #ACA #IndividualMarket #SmallBusinesses #AffordableCareAct #TakeCommand #PublicPrivatePartnership #AdviserOptions

Welcome to Self-Funded with Spencer, a podcast that explores how employers can most effectively manage their health plan costs by "Self-Funding" their insurance. In this episode, Spencer talks to Kari L. Niblack, Esq. from Blackwell Captive Solutions, a risk attorney with 30+ years of experience in the business. Kari shares how her law career prepared her for sales, and her experience with the obstacles faced by women in the benefits industry, especially those seeking leadership positions.  Personally, Kari comes from a racing family, with her aunt Roxi was a racecar driver back in the 1980s, long before Danica Patrick became a household name.  Kari got to see her start with "quarter midgets", and then before graduating high school, leave for Europe to pursue a professional racing career. Kari herself is an avid backgammon player, learning from Roxi after she brought a board back from Europe.  She is actually highly ranked in the world as a backgammon player, and plays nearly every day online with players all across the world! Kari also talks about the concept of “captives”, and how companies of all sizes can benefit from them.  She also discusses with Spencer why they are becoming increasingly popular.  Finally, Kari touches on the importance of giving back and helping those who have helped you.  Self-Funded with Spencer offers an engaging and informative look into the world of health benefits, risk management, and self-funding. Tune in now and take away valuable advice and experience from our guest Kari L. Niblack, esq., president of Blackwell Captive Solutions! #captives #insurance #riskmanagement #mentor #leadership #women #sales #employeebenefits #SelfFundedWithSpencer #BlackwellCaptiveSolutions #RiskAttorney #DanicaPatrick #Backgammon #Plansight #CaptiveCompanies #CarrieUnderwood #Innovation #Flexibility #Agility #Stability #racecar #racing #indycar #formula1 #nascar