Self-Funded With Spencer

"I think I'd say our patients deserve better. Our Americans who are encountering the healthcare system deserve better." - Binu SamuelBinu Samuel, Director of Commercial Partnerships at Carrum Health, joined me for the first podcast of 2025 to discuss how we lower healthcare costs for self-funded employers. Binu, and Carrum’s, mission is to make healthcare easier for the employers, employees, and physicians, which includes focusing on making healthcare cost nothing out of pocket to employees. That also typically increases the amount of proactive care that members engage with, which is key to catching huge health problems before they happen.Join us this week to learn how to save money for employers and employees! Chapters:00:00:00 Meet Binu Samuel00:04:42 Outcome-Driven Healthcare00:05:12 Value-Based Care00:10:55 Cost-saving Strategies For Employers00:20:01 Enhanced Healthcare Cost Savings00:25:51 Carrum's Mission00:29:51 Predictive Member Care Outreach for Procedures00:34:20 The Benefits Of Proactive HealthcareKey Links for Social:@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFundedListen 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/Key Words: Value Based Care, Patient Experience, network, Employers, Cancer Treatment, Cost Savings, Proactive Care, Warranty System, Healthcare Innovation, Quality Care, Transparent Healthcare, fixing healthcare, podcast, benefits, health, healthcare, health insurance, self funded, self funding#ValueBasedCare #PatientExperience #network #Employers #CancerTreatment #CostSavings #ProactiveCare #WarrantySystem #HealthcareInnovation #QualityCare #TransparentHealthcare #fixinghealthcare #podcast #benefits #health #healthcare #healthinsurance #selffunded #selffunding

"Everybody makes an excuse at the end as to why they didn't post or why they didn't start the thing they really wanted to start." - Me 
Happy New Year! As a bonus episode this week, I’m sharing a talk I gave at a recent ParetoHealth event about getting started with social media content, and how it can be used effectively for sales. Whether you’re new to the industry or you’ve been in it for decades, it’s never too late to start a social media presence, and I share some practical tips on how to get started. Chapters: 00:00:00 Social Media Presence 00:01:43 Utilizing Social Media To Boost Sales 
00:04:01 How To Build Your LinkedIn Network
 00:07:32 How To Get Started With Video Content
 00:14:00 How The Podcast Impacts My Industry Presence
 Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words: Social Media Sales, social media, linkedin, brandbuilding, Engagement, Podcasting, content, networking Content Creation, Authenticity, Consistency, Virtual Networking, podcast, benefits, health, healthcare, health insurance, self funded, self funding #SocialMediaSales #socialmedia #linkedin #brandbuilding #Engagement #Podcasting #content #networking #ContentCreation #Authenticity #Consistency #VirtualNetworking #podcast #benefits #health #healthcare #healthinsurance #selffunded #selffunding

"They have to understand the value. That’s how you get people to use it." - Megan Glaros “I had somebody who said once, why take a pill when you can get a shot? That's the way we kind of treat health, is like, just treat us with medication.” - Matt Glaros 
For the final podcast of 2024, Matt and Megan Glaros joined me (in a different studio than usual!) to discuss the unique ways that they both approach benefits. Matt helped grow his family’s agency before co-founding the Meyers Glaros Group, while Megan is a former meteorologist and TV personality who joined the insurance world recently to film benefits education content for employers, and she shares the fresh perspective she has as an industry outsider. I’m obviously passionate about the role that content plays in broadening the understanding of the healthcare system in America, and we talked about the impact that their content has had so far, both on cost containment for employers and on individual employees lives. Join us for a conversation on the power of educational content and how it can (help) solve some of this industry’s biggest challenges. Chapters: 00:00:00 Meet Matt and Megan Glaros 
00:03:08 Megan’s Experience As A Meteorologist
 00:19:45 Why Megan Left The TV Industry
 00:28:29 Engaging Insurance Education
 00:36:05 How Do We Get Employees To Understand Their Benefits? 
00:40:15 It’s Hard To Get Employees To Engage With Their Benefits
 00:53:07 Empowering Employees 
00:55:58 Cost-Effective Healthcare Education 
01:08:39 Enhancing Cost Containment Through Employee Education
 01:12:23 AI's Impact on Benefits Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words: Effective Communication, Communication, Meteorology, TV Industry, Employee Benefits, Storytelling, AI, AI Healthcare, healthcare tech, health tech, Employer, Education, Care Navigation, podcast, benefits, health, healthcare, health insurance, self funded, self funding #EffectiveCommunication #Communication #Meteorology #TVIndustry #EmployeeBenefits #Storytelling #AI #AIHealthcare #healthcaretech #healthtech #Employer #Education #CareNavigation #podcast #benefits #health #healthcare #healthinsurance #selffunded #selffunding

"I felt like I was putting $10,000 bandaids on someone's diabetic ketoacidosis instead of actually helping them to never be there in the first place." - Tiffany Ryder 
Tiffany Ryder, medical physician associate and healthcare advocate, joined me this week to continue the theme of my previous episode: how do we empower patients to make informed decisions, and to advocate for a better system? Tiffany shared with me her journey to this space, which took her from the world of NFL cheerleading to providing care as a medical physician associate, and why that gives her a unique perspective on the industry. We talk about the critical lack of awareness that the average American has of how the healthcare and health insurance industries work, why there needs to be much more transparency in these spaces, and what the future looks like for healthcare in America. Chapters: 00:00:00 Meet Tiffany Ryder
 00:00:38 Veterans' Healthcare
 00:24:39 Empowering Patients
 00:29:08 Healthcare Cost Transparency
 00:37:50 Informed Decision-Making in Healthcare
 00:40:33 Simplifying Healthcare Communication 
 00:45:12 Ethical Dilemmas in Healthcare
 00:54:23 Advocating For A Better System Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words: Impact, Patient Advocacy, advocacy, Transparency, Patient Care, education, Effective Communication, fair, provider, Ethical Healthcare, Healthcare Awareness, Veterans Healthcare, Patient Empowerment, affordable healthcare, podcast, benefits, health, healthcare, health insurance, self funded, self funding #Impact #PatientAdvocacy #advocacy #Transparency #PatientCare #education #EffectiveCommunication #fair #provider #EthicalHealthcare #HealthcareAwareness #VeteransHealthcare #PatientEmpowerment #affordablehealthcare #podcast #benefits #health #healthcare #healthinsurance #selffunded #selffunding

Jenni Nolan, a Board-Certified Patient Advocate at Clear Healthcare Advocacy, sheds light on the often-overlooked world of medical billing. She discusses the necessity of consumer education to combat the assumption that high healthcare costs are inevitable. Jenni emphasizes the growing role of patient advocates in negotiating fair hospital bills and correcting billing errors. Through insightful anecdotes, she demonstrates how patients can empower themselves, navigate the complexities of medical expenses, and ultimately change their financial futures.

"Any time you can reward employees for doing the right thing, to me, it's benefiting the employer group, it’s benefitting everybody.” - David Mallen You can provide employees with the best healthcare benefits in the world, but if they don’t know how to navigate the healthcare system, those benefits aren’t very effective. David Mallen, EVP of Partnerships at HealthJoy, joined me this week in studio to discuss care navigation and how we make benefits plans more effective for employees.  Having personally used Healthjoy, I think there’s immense value in a care navigation solution like this; we need to empower healthcare consumers to understand that they can often get the same/better care for cheaper, both to them and the health plan. Chapters: 00:00:00 Meet David Mallen 00:04:42 From Baseball to Healthcare 00:07:28 Healthcare Advocacy 00:18:56 Personalized Healthcare Navigation 00:21:34 Streamlining Healthcare Benefits 00:23:45 Personalized Patient Care 00:36:03 Enhanced Healthcare Interactions For Patients 00:41:54 Healthcare Experiences That Are Backed By Data 00:47:23 Empowering Consumers To Make Decisions Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words:  HealthJoy, Healthcare Tech, Care Navigation, Digital Healthcare, virtual care, Wellness, wellness programs, baseball, advocacy, advocate, Healthcare Integration, FitnessJourney, Telemedicine, Member Experience, Future Healthcare, Preventive Health, podcast, benefits, health, healthcare, health insurance, self funded, self funding #HealthJoy #HealthcareTech #CareNavigation #DigitalHealthcare #virtualcare #Wellness #wellnessprograms #baseball #advocacy #advocate #HealthcareIntegration #FitnessJourney #Telemedicine #MemberExperience #FutureHealthcare #PreventiveHealth #podcast #benefits #health #healthcare #healthinsurance #selffunded #selffunding

"Looking back now, cancer gave me something to fight for at a time when I felt like maybe life wasn't worth fighting for." - Dylan Slattery Dylan Slattery, VP at ClaimsBridge and motivational speaker at Stage Four 2 On Stage, joined me this week to share his powerful story of beating stage four cancer against all odds, beating it again when it recurred, and how that experience completely changed his perspective on life and healthcare. Dylan was diagnosed with stage 4 melanoma completely out of nowhere at the age of 23. We discussed the traditional treatment plan that he initially followed, and the somewhat experimental immunotherapy treatment that actually worked.  We also discussed the impact that diagnosis had on his family, his friends, and him, what kept him fighting in his darkest moments, and why he wants to continue to share his story to inspire others.  Chapters: 00:00:00 Meet Dylan Slattery 00:11:33 Stage Four Melanoma Diagnosis 00:19:47 Dylan’s Healthcare Journey 00:27:21 Why Immunotherapy Worked For Dylan 00:38:07 Melanoma Reoccurrence and Recovery 00:48:24 Simplifying Healthcare Communication 00:53:29 Enhancing Employee Well-being Through Healthcare 00:55:56 The Financial Barriers in Accessing Healthcare Services Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words:  melanoma, terminal, immunotherapy, cancer survivorship, healthcare journey, healthcare costs, cancer awareness wellness management, patient advocacy, survivor, cancer, stage four, stage 4, podcast, health, healthcare, health insurance, self funded, self funding #melanoma #terminal #immunotherapy #cancersurvivorship #healthcarejourney #healthcarecosts #cancerawareness #wellnessmanagement #patientadvocacy #survivor #cancer #stagefour #stage4 #podcast #health #healthcare #healthinsurance #selffunded #selffunding

“I’m going to say something that people claim isn’t true, but it is. I’m an ear nose and throat doctor. I don't remember your eardrum from last year. I don't care what people tell you, doctors don't remember 3,000 eardrums.” - Danish Nagda Danish Nagda, founder of Rezilient, has come up with a pretty unique solution to doctor burnout in primary care: a hybrid model, where patients go in-person to checkups, an attendant takes all of their vital signs, and the data is uploaded directly to a doctor.  As an ear, nose, and throat doctor himself, Danish understands the importance of the human touch in healthcare, but also sees the future of primary care as data-based: for instance, if a doctor has your exact EKG readings from a year ago, they have a baseline to measure your current data off of.  Rezilient haș also focused on making all of this appealing to employers, and he shares why this model has positive ROI within the first year for most.  Join us this week as we explore the future of primary care!  Chapters: 00:00:00 Meet Danish Nagda 00:01:02 The Future Of GLP-1s 00:06:19 Comprehensive Healthcare Access 00:09:58 Physician Burnout 00:14:04 Healthcare Should Focus On Data 00:17:54 Tech-Focused Primary Care 00:26:24 The Importance Of The Primary Care Doctor 00:47:05 The ROI Of Rezilient For Employers 00:51:09 Empowering Patients Through Accessible Healthcare Data 01:01:42 The Future Of Rezilient Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words:  Obesity Drugs, GLP1s, GLPs, Physician Mental Health, Rezilient, Concierge Medicine, Tech Enabled Care, Healthcare Transparency, Healthcare AI, Healthcare Innovation, Virtual Care Model, virtual care, podcast, primary care, doctor, health, healthcare, health insurance, self funded, self funding #ObesityDrugs #GLP1s #GLPs #PhysicianMentalHealth #Rezilient #ConciergeMedicine #TechEnabledCare #HealthcareTransparency #HealthcareAI #HealthcareInnovation #VirtualCareModel #virtualcare #podcast #primarycare #doctor #health #healthcare #healthinsurance #selffunded #selffunding

"In what other industry could a purveyor put out 99% bad bills and stay in business?" - Linda Komisak “They're diagnosing things for things that you don't even have. And that’s scary.” - Kimberly Carleson Kimberly Carleson, CEO of US Beacon, and Linda Komisak, founder of Upturn Consulting LLC, joined me to talk about two critical ways of increasing healthcare transparency: claims reviews and quality metrics.  These two topics are key to understanding why the healthcare system is so broken. If you buy any other service, you can (a) expect to only be billed for the services that were performed and (b) have the ability to research the quality of vendors and pick the best one.  Why can’t we do that in healthcare?  This is an incredibly informative episode, and we cover more than just those two topics including nurse staffing shortages, how to identify the best hospital systems, and why it’s so important to gather feedback from nurses.  Chapters: 00:00:00 Meet Kimberly Carleson and Linda Komisak 00:01:11 Taking Feedback from Nurses 00:06:30 Nurses' Impact on Hospital Quality 00:11:31 Why Are There Nursing Shortages? 00:18:18 Nurse Advocacy for Enhanced Patient Experience 00:25:18 Quality Metrics and Patient Billing Integrity 00:39:11 The Importance of Nurse Feedback 00:49:17 Surgeon Incentives in Billing 00:58:12 Healthcare Cost Savings Through Billing Review Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words:  Healthcare Quality, Nurse Insights, Patient Experience, Claims Integrity, Quality Metrics, Upcoding Practices, Nursing Shortage, Billing Transparency, Nurse Anonymity, Healthcare Billing, Hospital Quality, Nurse Feedback, insurance, nursing, healthcare, health insurance, podcast, self funded, self funding #HealthcareQuality #NurseInsights #PatientExperience #ClaimsIntegrity #QualityMetrics #UpcodingPractices #NursingShortage #BillingTransparency #NurseAnonymity #HealthcareBilling #HospitalQuality #NurseFeedback #insurance #nursing #healthcare #healthinsurance #podcast #selffunded #selffunding

"Quit tolerating mediocrity. Go get in action. Find the right broker consultant that will take you to a new place. Don't give up hope." - Scott Conard Dr. Scott Conard tragically lost 3 patients one summer to unexpected heart problems, and immediately changed how he thought of healthcare. This week on Self-Funded, we talk about “conscious capitalism”, and by extension “conscious healthcare”, what the 7 numbers that everybody needs to know are, and how we need to change the way we approach health risk. Chapters: 00:00:00 Meet Scott Conard 00:02:08 Crony Capitalism In Healthcare 00:06:34 Focus On Aligning Incentives 00:15:38 Holistic Well-being Approach To Healthcare 00:27:12 Revolutionizing Self-Insurance 00:37:54 Healthcare Advocacy And Engagement 00:42:22 How Do We Get People To Care About Their Health? 00:49:08 Primary Care's Role in Healthcare Key Links for Social: @SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded Listen on Spotify - https://open.spotify.com/show/1TjmrMrkIj0qSmlwAIevKA?si=068a389925474f02 Listen on Apple Podcasts - https://podcasts.apple.com/us/podcast/self-funded-with-spencer/id1566182286 Follow Spencer on LinkedIn - https://www.linkedin.com/in/spencer-smith-self-funded/ Follow Spencer on Instagram - https://www.instagram.com/selffundedwithspencer/ Key Words:  Conscious Capitalism, Employer Driven Healthcare, insurance, healthcare, health insurance, Empowering Employers, Incentive Programs, Risk Management, Alternative Risk, health risk, fixing healthcare, selffunded, podcast #ConsciousCapitalism #EmployerDrivenHealthcare #insurance #healthcare #healthinsurance #EmpoweringEmployers #IncentivePrograms  #RiskManagement #AlternativeRisk #healthrisk #fixinghealthcare #selffunded #podcast