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  • Health Insurance Isn’t Your Only Option — The Health Share Alternative (Bill of Health Ep.7)

    Health Insurance Isn’t Your Only Option — The Health Share Alternative (Bill of Health Ep.7)
    2026/09/21
    Healthcare keeps getting more expensive. Premiums rise, deductibles increase and many families feel like they are paying more every year without getting a better healthcare experience in return. In this episode of the Bill of Health Podcast, presented by Core 360 Benefits Group, I’m joined by Richard Walton, CEBS, of Sedera to talk about an alternative that still flies under the radar for many consumers: medical cost sharing. Richard spent years working in traditional employee benefits before moving into the health share space. We talk about what a health share actually is, how it differs from traditional health insurance and why consumers frustrated with the current system are beginning to look outside the insurance model for other options. We also get into the role of cash-pay healthcare and direct primary care, why health shares are designed primarily around larger and unexpected medical needs, and what families, self-employed individuals and employers should consider before deciding whether the model fits them. Health shares are not insurance, and they are not the right solution for everyone. The goal of this conversation is to understand how the model works so you can make a more informed decision about your healthcare. In This Episode of Bill of Health: Richard and I discuss: • What a health share is and how medical cost sharing works• Why health shares are different from traditional health insurance• Common misconceptions about health sharing and why due diligence matters• How becoming a cash-pay patient can change the way you shop for healthcare• Why direct primary care and health sharing can work well together• How health shares may fit freelancers, families and self-employed individuals• What to consider before deciding whether a health share is right for you What Is a Health Share? A health share is a community of members who voluntarily contribute money to help with eligible medical needs according to established sharing guidelines. Instead of paying premiums to a traditional insurance company, members contribute to a medical cost-sharing community. That community then helps members with eligible larger and unexpected healthcare expenses. The distinction is important: medical cost sharing is not health insurance, and sharing is governed by the organization’s membership guidelines. Healthcare Without the Traditional Insurance Model One of the biggest differences is how consumers interact with healthcare. Traditional health insurance often places a third party between the patient and the provider. Health share members generally operate more like cash-pay patients, which can encourage them to ask what something costs, compare options and make decisions based on value. That does not mean consumers have to navigate everything alone. Health shares can provide tools and support to help members understand pricing and manage medical expenses. Direct Primary Care + Health Sharing Richard describes direct primary care as a natural complement to medical cost sharing. Routine and predictable healthcare can often be handled through a direct relationship with a primary care provider, while the health share is designed to help with larger and less predictable medical expenses. For consumers who are comfortable taking a more active role in their healthcare, combining the two can create a very different experience from a traditional insurance plan. Who Should Consider a Health Share? Health sharing may be worth exploring for self-employed individuals, freelancers, families facing expensive traditional coverage or employees looking at alternatives to their employer plan. It is not automatically the right choice simply because it may cost less. Preexisting conditions, membership guidelines and the way eligible medical needs are shared all need to be understood before making a decision. Richard’s advice is to compare the models side by side and determine what actually makes sense for your family, healthcare needs and budget. Jargon Jar: Initial Unshareable Amount An Initial Unshareable Amount, or IUA, is the amount a health share member is responsible for paying toward an eligible medical need before the community begins sharing expenses. It can sound similar to an insurance deductible, but the two should not be treated as interchangeable. How an IUA applies depends on the health share’s membership guidelines and structure. About Richard Walton Richard Walton, CEBS works with Sedera and has spent more than two decades in the employee benefits industry. His work focuses on medical cost sharing, direct primary care and alternative approaches to paying for healthcare. Connect with Richard: LinkedIn: Richard Walton, CEBSEmail: rwalton@sedera.comPhone: 806-679-0816Sedera: www.sedera.com Learn More Interested in exploring Sedera medical cost sharing through Core360 Benefits Group? Use the Core360 Sedera affiliate link: http://www.1enrollment.com/950517 To learn ...
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    26 分
  • What If Your Doctor Worked for You Instead of Your Insurance? (Bill of Health Ep.6)

    What If Your Doctor Worked for You Instead of Your Insurance? (Bill of Health Ep.6)
    2026/09/14
    Most of us are used to healthcare working one way: find a doctor who accepts your insurance, schedule an appointment, show your insurance card and hope the bill makes sense later. But direct primary care offers a very different model. In this episode of the Bill of Health Podcast, presented by Core 360 Benefits Group, I’m joined by Melinda Lacy, MSN, APRN, FNP-BC, of Direct Family Healthcare in Harrisonville, Missouri, to talk about how direct primary care works and why more patients and employers are paying attention to it. Direct primary care uses a membership model rather than traditional fee-for-service billing. Patients pay a predictable monthly fee for access to primary care, often with longer appointments, easier communication and more help navigating the cost of labs, imaging and other services. Melinda also shares real examples of how price transparency and cash-pay options can make a significant difference. In one case, a patient facing roughly $2,600–$2,700 for two MRIs was able to get them for about $1,400 by using a different imaging option. The goal isn’t to replace every part of the healthcare system. It’s to give patients another way to access primary care, understand their options and make decisions that fit both their health and their finances. In This Episode of Bill of Health: Melinda and I discuss: What direct primary care is and how it differs from traditional fee-for-service medicineWhy smaller patient panels can mean more time and access for patientsHow cash-pay pricing can lower the cost of labs, imaging and other healthcare servicesWhy you may be paying more through insurance than you would by asking for the cash priceHow direct primary care can benefit employers and their employeesWhy having a financial safety net for catastrophic medical expenses still matters How Direct Primary Care Works Direct primary care is built around a membership relationship between the patient and the healthcare provider. Rather than billing insurance for each primary care visit, patients generally pay a recurring membership fee. That model can give providers more time with patients and make same-day or next-day appointments, phone calls, texts and other communication easier to provide. Melinda’s current practice, Direct Family Healthcare, is based in Harrisonville, Missouri. Price Transparency Can Change the Equation One of the major advantages Melinda sees is the ability to help patients compare options before receiving care. A doctor may recommend the right test or procedure, but that does not necessarily mean the first location offered is the most affordable place to have it done. Independent imaging centers, cash-pay arrangements and other options can sometimes reduce the cost substantially without sacrificing the quality of care. Sometimes the most useful question a patient can ask is simply: What is the cash price? Direct Primary Care for Employers Employers are also beginning to work directly with primary care practices. Giving employees easier access to routine and preventive care can help people address health problems earlier, spend less time waiting for appointments and potentially avoid more expensive care later. For smaller employers especially, direct primary care can become another component of a broader employee health benefit strategy. Jargon Jar: What Is Prior Authorization? Prior authorization is the process in which an insurance company requires approval before it will cover certain medications, tests, imaging or treatments. That can mean a provider has to submit information and wait for the insurer to approve the service before the patient receives it. Because direct primary care operates outside traditional insurance billing for primary care, many of those insurance-related administrative hurdles do not apply to the services provided directly through the practice. About Melinda Lacy Melinda Lacy, MSN, APRN, FNP-BC, is a family nurse practitioner at Direct Family Healthcare in Harrisonville, Missouri. Her experience includes pediatrics, intensive care, case management, family practice and women’s health. Direct Family Healthcare directfamilyhealthcare.com Email: contact@directfamilyhealthcare.com Phone: 816-793-0071 105C W. Wall St., Harrisonville, MO 64701 Learn More To learn more about individual health insurance options, Medicare planning and healthcare consumer strategies—or to schedule a consultation—visit: www.core360benefitsgroup.com Subscribe to Bill of Health: Apple Podcasts: https://podcasts.apple.com/us/podcast/bill-of-health/id6794142312 Spotify: https://open.spotify.com/show/033USIRkymMFYmmTDDzyAi Facebook: https://www.facebook.com/people/Bill-Filer-MedicareHealthLife-Insurance-Core360-Benefits-Group/61568058486052/ LinkedIn: https://www.linkedin.com/in/billfiler/ TikTok: https://www.tiktok.com/@billfiinsuranceguy Be smart. Shop smart. Protect your wealth. Disclaimer This podcast is provided for educational purposes only and ...
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    27 分
  • You Don’t Need to Be a Healthcare Expert to Stop Overpaying (Bill of Health Ep.5)

    You Don’t Need to Be a Healthcare Expert to Stop Overpaying (Bill of Health Ep.5)
    2026/09/07
    Being a smarter healthcare consumer doesn’t mean earning a degree in medical billing, memorizing CPT codes or spending hours fighting with hospitals and insurance companies. It starts with asking a few better questions. In this episode of the Bill of Health Podcast, presented by Core 360 Benefits Group, I break down what I really mean when I talk about becoming a smarter healthcare consumer. For years, many of us have simply shown our insurance card, received care and hoped the bill wouldn’t be too painful. Changing that habit does not have to make healthcare another full-time job. Instead, becoming a smarter consumer can mean questioning the sticker price, comparing where you receive care, reviewing medical bills and knowing when resources are available to help you. In This Episode of Bill of Health: I discuss: What it actually means to be a smarter healthcare consumerWhy healthcare shopping doesn’t have to be complicatedWhy the first price you see may not be the price you ultimately payHow shopping around can help lower healthcare costsWhen medical bill advocates and negotiation services may be able to helpWhy cash-pay patients and health share members should understand their options Start With the Healthcare Sticker Price The price you initially see for healthcare may not be the final price. Cash-pay discounts, prompt-pay discounts and other negotiated pricing can sometimes change what you ultimately spend. The important first step is simply knowing that you can ask. The same applies to where you receive care. Your local hospital may be the most convenient option, but it may not always be the most affordable. Help Is Available for Large Medical Bills A five- or six-figure medical bill can feel impossible to deal with on your own. Healthcare advocacy and medical bill negotiation firms can help review bills for errors, duplicate charges and opportunities to negotiate costs. You do not have to become a medical billing expert yourself to become a better healthcare consumer. Jargon Jar: What Is a Chargemaster Rate? A chargemaster rate is essentially a hospital’s retail or sticker price. Think of it like a furniture store putting a $10,000 price tag on a chair even though negotiated buyers may pay significantly less. Insurance companies negotiate discounts from those prices, and cash-pay patients may also have opportunities to negotiate or access lower rates. The takeaway is simple: We don’t pay sticker. Learn More To learn more about individual health insurance options, Medicare planning and healthcare consumer strategies—or to schedule a consultation—visit: www.core360benefitsgroup.com For more practical healthcare tips, price-comparison strategies and consumer advocacy insights: Subscribe to Bill of Health: Apple Podcasts: https://podcasts.apple.com/us/podcast/bill-of-health/id6794142312 Spotify: https://open.spotify.com/show/033USIRkymMFYmmTDDzyAi Facebook: https://www.facebook.com/people/Bill-Filer-MedicareHealthLife-Insurance-Core360-Benefits-Group/61568058486052/ LinkedIn: https://www.linkedin.com/in/billfiler/ TikTok: https://www.tiktok.com/@billfiinsuranceguy Be smart. Shop smart. Protect your wealth. Disclaimer This podcast is provided for educational purposes only and should not be considered legal, tax, investment or insurance advice. Individual circumstances vary, and listeners should consult qualified professionals regarding their specific healthcare and financial situations. Opinions expressed by the host and guests do not necessarily reflect the views of any insurance carrier or affiliated organization. Chapters 00:00 What Is a Healthcare Consumer?00:45 You Don’t Need to Be a Healthcare Expert01:20 Why This Podcast Exists02:00 Healthcare Doesn’t Need to Become Another Job03:05 How to Become a Smarter Healthcare Consumer03:45 Don’t Automatically Pay the Sticker Price04:20 Start Shopping for Healthcare05:00 Getting Help With Major Medical Bills05:40 Health Shares and Cash-Pay Healthcare06:05 Jargon Jar: What Is a Chargemaster Rate?07:30 We Don’t Pay Sticker07:50 Simple Steps Can Make a Difference08:15 Subscribe and Follow Bill of Health The post You Don’t Need to Be a Healthcare Expert to Stop Overpaying (Bill of Health Ep.5) appeared first on Core360 Benefits Group.
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    9 分
  • Your Hospital Bill Isn’t Final — Why You Should Negotiate It (Bill of Health Ep.4)

    Your Hospital Bill Isn’t Final — Why You Should Negotiate It (Bill of Health Ep.4)
    2026/08/31
    When a hospital sends you a bill, most of us assume the number at the bottom is what we owe. But that may not be the case. In this episode of the Bill of Health Podcast, presented by Core 360 Benefits Group, I’m joined by Lyn Carter, Vice President of GetAdvocacy at Health Admins, to look at healthcare from perspectives most consumers never get to see. Lyn has worked across hospitals, insurance companies, third-party administrators, benefit consulting and healthcare advocacy. That experience gives her a unique understanding of how healthcare dollars move through the system, why pricing can be so difficult to understand and where consumers and employers may be able to save money. We talk about why even a well-designed health plan can fall short if employees do not know how to use it, how medical bill negotiation works and why consumers should not automatically assume the price on a hospital bill is final. In This Episode of Bill of Health: Lyn and I discuss: Why employees and employers are both frustrated by rising healthcare costsHow healthcare navigation helps people better use the benefits available to themWhy some medical bills may be negotiableHow cash-pay healthcare is creating more pricing transparencyWhy health sharing and other alternative models are gaining attentionWhat a third-party administrator, or TPA, actually doesWhy direct contracting may become more important for employers Medical Bills May Be Negotiable One of the biggest misconceptions in healthcare is that the number printed on a hospital bill is automatically final. Some medical bills can be negotiated, particularly outside traditional contracted insurance networks. GetAdvocacy works with consumers and organizations on healthcare advocacy and medical bill negotiation. When you are recovering from an illness, injury or procedure, challenging a bill may be the last thing you want to do. But you should not automatically assume there are no other options. Why Healthcare Transparency Matters Traditional healthcare pricing can be difficult to understand because the original charge and the amount ultimately paid may be very different. Cash-pay models and healthcare shopping platforms are giving consumers more opportunities to see prices before receiving care and compare their options. Resources mentioned in this episode include: HealthMeMDsaveFair Market HealthTendoThe Coral PlatformSavvos Health Jargon Jar: What Is a TPA? A TPA, or third-party administrator, helps manage and coordinate the moving pieces of a health plan. That can include claims administration, provider networks, pharmacy benefits, customer service and other components that keep an employer health plan functioning. Think of the TPA as a general contractor helping coordinate the administrative side of the plan. About Lyn Carter Lyn Carter is Vice President of GetAdvocacy at Health Admins and has worked across multiple areas of the healthcare industry, including hospitals, insurers, benefit consulting, direct contracting and healthcare navigation. Connect with Lyn: Lyn Carter on LinkedIn Learn more about her work: GetAdvocacy Learn More To learn more about individual health insurance options, Medicare planning and healthcare consumer strategies—or to schedule a consultation—visit: www.core360benefitsgroup.com For more practical healthcare tips, price-comparison strategies and consumer advocacy insights Subscribe to Bill of Health: Apple Podcasts: https://podcasts.apple.com/us/podcast/bill-of-health/id6794142312 Spotify: https://open.spotify.com/show/033USIRkymMFYmmTDDzyAi Facebook: https://www.facebook.com/people/Bill-Filer-MedicareHealthLife-Insurance-Core360-Benefits-Group/61568058486052/ LinkedIn: https://www.linkedin.com/in/billfiler/ TikTok: https://www.tiktok.com/@billfiinsuranceguy Be smart. Shop smart. Protect your wealth. Disclaimer This podcast is provided for educational purposes only and should not be considered legal, tax, investment or insurance advice. Individual circumstances vary, and listeners should consult qualified professionals regarding their specific healthcare and financial situations. Opinions expressed by the host and guests do not necessarily reflect the views of any insurance carrier or affiliated organization. Chapters 00:00 Why Healthcare Frustrates Employees and Employers 01:10 Understanding Healthcare From Every Side 02:20 Meet Lyn Carter 03:45 How Healthcare Dollars Move Through the System 10:15 Where Employee Health Plans Break Down 12:05 How Healthcare Navigation Works 15:00 How Medical Bill Negotiation Works 17:05 You Can Negotiate Your Healthcare Bills 18:00 Why Cash-Pay Healthcare Is Growing 20:15 Why Health Sharing Is Gaining Attention 23:00 Jargon Jar: What Is a TPA? 24:10 Five for Fighting With Lyn Carter 25:10 Why Direct Contracting Could Be the Future 26:55 Lyn’s Advice for Choosing Health InsuranceThe post Your Hospital Bill Isn’t Final — Why You Should Negotiate It (Bill of Health Ep.4) ...
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    29 分
  • Stop Letting Open Enrollment Choose for You — You Have More Options Than You Think (Bill of Health Ep.3)

    Stop Letting Open Enrollment Choose for You — You Have More Options Than You Think (Bill of Health Ep.3)
    2026/08/24
    Open enrollment can feel like a take-it-or-leave-it decision: pick one of the health plans your employer gives you, accept the cost and watch more of your paycheck disappear. But it doesn’t always have to work that way. In this episode of the Bill of Health Podcast, presented by Core 360 Benefits Group, I explain why open enrollment should be treated more like a buffet than an all-or-nothing package. You can compare benefits, mix and match coverage between spouses and explore alternatives when the medical plans available through your employer do not fit the way you actually use healthcare. I also explain why the most expensive or comprehensive health plan is not automatically the right plan for you. Some people genuinely need a “Mercedes” level of coverage because of chronic conditions, specialists or ongoing medical needs. Others may be paying for more healthcare coverage than they regularly use. One alternative I introduce is combining direct primary care with a health sharing organization. For relatively healthy individuals and families, this approach may provide another option worth exploring outside of traditional employer-sponsored health insurance. We also open the Jargon Jar to break down one of the most common open enrollment decisions: the difference between an HMO and a PPO. In This Episode of Bill of Health: I discuss: Why open enrollment decisions can have a major impact on your take-home payWhy you should not automatically accept the benefits presented by your employerHow to think about open enrollment like a buffet instead of an all-or-nothing packageWhy couples can “divide and conquer” by comparing benefits from both employersHow mixing medical, dental, vision and other benefits may save moneyWhy the health plan offered to you may not match the way you actually use healthcareThe difference between needing a “Mercedes” health plan and being comfortable with something simplerHow direct primary care (DPC) worksWhy direct primary care can offer more access to a doctor or nurse practitionerHow health sharing organizations work alongside direct primary careWhy direct primary care and health sharing may be worth exploring for relatively healthy familiesThe difference between an HMO and PPOHow networks, referrals and out-of-network coverage differ between HMOs and PPOsWhy getting a second opinion before open enrollment may help protect your paycheck Be a Smarter Open Enrollment Shopper Treat Open Enrollment Like a Buffet You do not necessarily have to choose every benefit your employer offers. Think about open enrollment like a buffet: choose the benefits that make sense for you and your family, and leave behind the ones that do not. If your employer’s medical insurance does not fit your needs or budget, it may also be worth exploring whether other options exist. Divide and Conquer Your Benefits If both you and your spouse have access to employee benefits, compare them. One employer may offer better medical coverage, while the other may have less expensive dental, vision or supplemental benefits. Your entire family does not always have to be enrolled in the same plan. Comparing both benefit packages and mixing and matching where appropriate may help you get more value from the benefits available to you. Choose the Plan That Matches How You Use Healthcare Not everyone uses healthcare the same way. If you rarely visit the doctor and do not have chronic medical conditions, the most comprehensive and expensive plan available may offer more coverage than you regularly use. On the other hand, if you or someone in your family manages a chronic condition, regularly sees specialists or needs coordinated medical care, a more comprehensive health plan may be worth the additional cost. The goal is to understand what you actually need instead of simply selecting a plan because it is the default option. Explore Direct Primary Care and Health Sharing One alternative I introduce in this episode is direct primary care, or DPC. Direct primary care is typically a subscription-based relationship with a physician or nurse practitioner. Instead of relying on traditional insurance for primary care visits, you pay a monthly membership fee and may receive greater access through appointments, calls, emails or text communication. For some relatively healthy individuals and families, pairing direct primary care with a health sharing organization may offer another way to manage everyday healthcare expenses while having support available for larger medical needs. Health sharing organizations are not health insurance companies. They are membership-based organizations in which members contribute toward eligible medical needs according to the organization’s rules and guidelines. This approach is not necessarily right for everyone, but it is an option worth understanding before assuming traditional employer-sponsored medical insurance is your only choice. Understand HMO vs. PPO An HMO, or Health Maintenance ...
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    19 分
  • Stop Feeding Your Deductible – How to Save Thousands on Healthcare (Bill of Health Ep.2)

    Stop Feeding Your Deductible – How to Save Thousands on Healthcare (Bill of Health Ep.2)
    2026/08/17
    You would never walk into a car dealership, look at the sticker price and hand over your wallet without asking questions. So why do we do exactly that with healthcare? In this episode of the Bill of Health Podcast, presented by Core 360 Benefits Group, I explain why becoming a smarter healthcare consumer starts with changing the way you think about where you receive care and how you pay for it. If you have a high-deductible health plan, you may spend thousands of dollars trying to satisfy a deductible you never actually reach. Instead of automatically going wherever your doctor or health system sends you, I explain why it can pay to compare prices, ask about cash-pay options and consider different sites of care. I share real-world examples of how the exact same X-ray, procedure or diagnostic service can cost dramatically different amounts depending on where you have it done. I also introduce MDSave, a healthcare shopping tool that allows you to compare upfront prices for procedures in your area. We also open up the Jargon Jar to break down two important health insurance terms: your deductible and your maximum out-of-pocket, or MOOP. In This Episode of Bill of Health: I discuss: Why we need to start thinking of ourselves as healthcare consumersWhy the price your healthcare provider quotes may be similar to a vehicle’s sticker priceHow high deductibles can change the way you should think about healthcare spendingWhy you may never actually reach your annual deductibleWhen paying cash for healthcare services may save you moneyHow I saved money by shopping around for an upper endoscopyHow MDSave can help you compare healthcare prices in your areaWhy the site of care can dramatically affect what you payHow freestanding imaging centers and independent facilities may offer lower pricesQuestions to ask before automatically scheduling a procedure through your health systemThe difference between your deductible and maximum out-of-pocketWhy copays may not count toward your deductibleHow to ask about cash-pay, prepaid and prompt-pay discounts Become a Smarter Healthcare Consumer Stop Paying the Sticker Price When your doctor recommends an X-ray, lab test, scan or procedure, you do not necessarily have to accept the first price you are given. I explain why healthcare prices can function a lot like sticker prices and why asking questions before scheduling care can potentially save you hundreds or even thousands of dollars. Rethink Your Deductible Many people assume they need to run every healthcare expense through insurance so they can make progress toward their deductible. But if you rarely reach your deductible in a normal year, paying a lower cash price may sometimes make more financial sense than paying a higher negotiated healthcare price simply to accumulate deductible credit. Compare Your Site of Care Where you receive healthcare matters. A hospital or regional medical center may charge significantly more for a service that is also available at a freestanding imaging center, independent lab or outpatient facility. Before automatically accepting the location suggested by a scheduler, I encourage you to ask what other options are available and compare the prices. Use Healthcare Shopping Tools One resource I discuss in this episode is MDSave.com. You can search by ZIP code and procedure—or use the CPT medical billing code from your doctor—to find participating providers and upfront prices in your area. I am not compensated by or sponsored by MDSave. It is simply one tool consumers can use to start comparing healthcare prices. Understand Your Deductible and MOOP Your deductible is generally the amount you must pay toward certain covered healthcare expenses before your insurance begins sharing more of the cost. Your maximum out-of-pocket, or MOOP, is the maximum amount you are responsible for paying toward covered in-network healthcare expenses during the plan year before your insurance covers eligible expenses according to the terms of your plan. Understanding the difference can help you make smarter decisions about how and where you spend your healthcare dollars. Learn More To learn more about individual health insurance options, Medicare planning and healthcare consumer strategies – or to schedule a consultation – visit: core360benefitsgroup.com For more practical healthcare tips, price-comparison strategies and consumer advocacy insights Subscribe to Bill of Health: Apple Podcasts: https://podcasts.apple.com/us/podcast/bill-of-health/id6794142312 Spotify: https://open.spotify.com/show/033USIRkymMFYmmTDDzyAi Facebook: https://www.facebook.com/people/Bill-Filer-MedicareHealthLife-Insurance-Core360-Benefits-Group/61568058486052/ LinkedIn: https://www.linkedin.com/in/billfiler/ TikTok: https://www.tiktok.com/@billfiinsuranceguy Be smart. Shop smart. Protect your wealth. Disclaimer This podcast is provided for educational purposes only and should not be considered legal, tax, investment or ...
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    16 分
  • Your Healthcare is Destroying Your Wealth — How to Fight Back (Bill of Health Ep.1)

    Your Healthcare is Destroying Your Wealth — How to Fight Back (Bill of Health Ep.1)
    2026/08/10
    Healthcare is the one purchase most Americans make without ever looking at the price tag – and it’s quietly destroying your financial future. In the inaugural episode of the Bill of Health Podcast, presented by Core 360 Benefits Group, I introduce the mission behind the show: making healthcare and health insurance easier to understand so you can make informed decisions with greater confidence and control. Drawing on more than 30 years of experience in banking, financial services, investments and financial education, I explain why health insurance should be viewed as an essential part of your overall financial strategy – not simply as a card you present at the doctor’s office. I also share the deeply personal experience that shaped my commitment to healthcare education and consumer advocacy. While my late son, Cade, battled cancer, my family and I experienced the emotional, physical and financial strain that can accompany a catastrophic illness. That experience showed me firsthand how confusing and intimidating the healthcare system can become when your family is trying to focus on caring for someone you love. Through future episodes of Bill of Health, I will help you understand insurance terminology, compare coverage options, prepare for Medicare, explore alternatives to traditional insurance and make smarter decisions about the cost and location of your medical care. In This Episode of Bill of Health: I discuss: Why healthcare represents a major financial blind spot for many householdsThe connection between healthcare decisions and long-term financial securityWhy you should research healthcare services as carefully as other major purchasesMy professional background in financial services and financial educationMy family’s experience navigating cancer treatment and significant medical billsThe mission and consumer-first philosophy of the Bill of Health PodcastThe five core pillars that will guide future episodesHow the upcoming “Jargon Jar” segment will simplify confusing insurance terminologyWhat you can expect from the next episode on the “ghost deductible” The Five Core Pillars of Bill of Health Health Insurance 101 In future episodes, I will explain foundational health insurance concepts, including deductibles, copays, coinsurance and out-of-pocket maximums. The Individual Marketplace I will explore the Affordable Care Act marketplace, commonly called Obamacare, including subsidies, off-exchange coverage and alternatives such as short-term medical plans. Medicare If you are approaching retirement or already enrolled in Medicare, I will provide guidance on Medicare Parts A, B, C and D, along with Medicare supplement options. Alternatives to Traditional Insurance I will examine healthcare models such as health share programs, direct primary care and other developing alternatives. Consumer Advocacy I will share practical strategies for reducing healthcare expenses, reviewing medical bills, comparing sites of care and becoming a more informed healthcare consumer. Learn More To learn more about individual health insurance options, Medicare planning and healthcare consumer strategies—or to schedule a consultation—visit: www.core360benefitsgroup.com For more practical healthcare tips, price-comparison strategies and consumer advocacy insights Subscribe to Bill of Health: Apple Podcasts: https://podcasts.apple.com/us/podcast/bill-of-health/id6794142312 Spotify: https://open.spotify.com/show/033USIRkymMFYmmTDDzyAi Facebook: https://www.facebook.com/people/Bill-Filer-MedicareHealthLife-Insurance-Core360-Benefits-Group/61568058486052/ LinkedIn: https://www.linkedin.com/in/billfiler/ TikTok: https://www.tiktok.com/@billfiinsuranceguy Be smart. Shop smart. Protect your wealth. Disclaimer This podcast is provided for educational purposes only and should not be considered legal, tax, investment or insurance advice. Individual circumstances vary, and listeners should consult qualified professionals regarding their specific healthcare and financial situations. Opinions expressed by the host and guests do not necessarily reflect the views of any insurance carrier or affiliated organization. Chapters00:00 Healthcare’s hidden financial risk01:13 Welcome to the Bill of Health Podcast02:12 Medical costs and financial security03:16 The personal story behind Bill’s mission04:33 The five pillars of Bill of Health04:45 Health Insurance 101 05:05 The ACA Marketplace & Individual Plans05:26 Understanding Medicare Parts A, B, C, D Explained05:43 Alternatives to traditional insurance05:57 Lowering healthcare costs06:37 Introducing the Jargon Jar06:59 Previewing the “ghost deductible”07:11 Learn more and schedule a consultation The post Your Healthcare is Destroying Your Wealth — How to Fight Back (Bill of Health Ep.1) appeared first on Core360 Benefits Group.
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    8 分
  • Bill of Health Podcast Teaser

    Bill of Health Podcast Teaser
    2026/07/23

    Welcome to Bill of Health, the podcast designed to help everyday Americans make smarter healthcare and financial decisions. I’m your host, Bill Fi, The Health Insurance Guy.

    Healthcare in America is often a “black box” of confusing terminology, hidden costs, and complex mechanics. Bill of Health is designed to pull back the curtain. Our mission is to transform passive insurance “users” into savvy healthcare “consumers.” By breaking down the barriers of jargon and complex policy structures, we empower individuals, whether on an employer plan, Medicare, or the individual market, to make financial and medical decisions with confidence.

    Watch fore episode 1 here and on your favorite podcast platform soon.

    The post Bill of Health Podcast Teaser appeared first on Core360 Benefits Group.
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    2 分