『The Business of Benefits Podcast』のカバーアート

The Business of Benefits Podcast

The Business of Benefits Podcast

著者： Hi Hello Labs Network
無料で聴く

【Amazonプライム会員限定】今ならプレミアムプランが4か月 月額99円。

10月19日まで。※適用条件あり
For decades, employers have been fed a lie: “There’s nothing you can do to control healthcare costs.” This couldn’t be further from the truth. The system is doing exactly what it was designed to do—profit off of HR, CFOs, and CEOs who believe that lie year after year.With 180 million Americans relying on employer-sponsored healthcare, it’s time to challenge the status quo. The Business of Benefits is your No BS, No Sales guide to the real solutions. No gimmicks—just the truth about how to take control, transform your benefits, and care for your most valuable asset: your people.Each episode dives deep into the data, exposing industry misalignments and inefficiencies that inflate costs while offering actionable strategies for designing financially sustainable, high-value benefits.Through eye-opening interviews with industry insiders, expert analysis, and real-world success stories, hosts Donovan and Chelsea pull back the curtain on the hidden flaws in the healthcare system. The result? An empowering roadmap for employers ready to break free from outdated models and unlock smarter, more sustainable benefits.If you’re tired of the same old sales pitch and ready to rethink benefits, reduce costs, and improve care—this podcast is for you. The truth is out there—are you ready to hear it?Copyright Hi Hello Labs Network マネジメント・リーダーシップ リーダーシップ 個人的成功 経済学 自己啓発
エピソード
  • 87. Health & Welfare Plan Practices Part 1: Tactics or Tricks - Dirty or Dumb?

    87. Health & Welfare Plan Practices Part 1: Tactics or Tricks - Dirty or Dumb?
    2026/09/25
    Every year the IRS puts out a memo called the "Dirty Dozen": a list of legal tax structures and processes that people are abusing. They're legitimate tools used the wrong way, and the memo flags them so people can get their house in order and know where the IRS plans to focus enforcement.Donovan Ryckis applied the same concept to benefits. Twelve tactics Ethos is seeing in the market that are legitimate on paper but get abused in practice. This isn't happening everywhere, but almost any plan sponsor could probably find one or two of these in their plan, if not a lot more.This is Part 1, tactics 12 through 7, with Donovan Ryckis (Co-Founder & CEO), Chelsea Ryckis (Founder & President) and Patrick Ansara (Director of Client Operations). Every tactic gets the same treatment: the tell, the damage in dollars, an honest look at whether there's a fair explanation, the fix, and then the verdict. Is it dirty, or is it just dumb?What's covered: PMPM instead of PEPM, one letter that multiplies your fees 2.4 times. Contracts that quietly stop matching the proposal. Undisclosed equity between advisors and the carriers they recommend, and the 408 disclosure you're entitled to. PBM collectives, including a reprice study that came back $1.4 million better on a $9 million claim spend. Captives used as a broker's easy button. And the controlled market check, where you go to market and somehow land on the incumbent every year.Built for mid-market and large-market plan sponsors. Part 2 counts down tactics 6 through 1.Time Stamps00:00 – Cold open00:38 – Welcome to The Business of Benefits01:01 – Where the benefits Dirty Dozen came from02:31 – Meet Patrick Ansara03:31 – How we grade each tactic: dirty or dumb?04:25 – Tactic 12: PMPM instead of PEPM10:56 – Tactic 11: The contract doesn't match the proposal17:03 – The fix: start 150 days out, not 6021:54 – Tactic 10: Undisclosed equity and ownership interests27:50 – A shortlist is not a market check28:38 – Tactic 9: PBM purchasing collectives and coalitions29:53 – $1.4 million better outside the collective35:46 – A word from Fiduciary in a Box36:32 – Tactic 8: Captives as the broker's easy button46:24 – Tactic 7: The controlled market check1:00:27 – What's coming in Part 21:03:00 – An industry that pays well for mediocrityEthos Benefits: https://ethosbenefits.comPodcast: https://businessofbenefitspodcast.comApple Podcasts: https://podcasts.apple.com/us/podcast/the-business-of-benefits-podcast/id1724134305LinkedIn: https://www.linkedin.com/company/ethosbenefitsDonovan Ryckis: https://www.linkedin.com/in/donovanryckis/Chelsea Ryckis: https://www.linkedin.com/in/chelsea-ryckis-8508a192/Patrick Ansara: https://www.linkedin.com/in/patrickansara/FROM OUR SPONSORYou're doing the work. Don't leave the proof behind.Managing a health or retirement plan takes time, oversight, and judgment. Fiduciary In A Box documents your governance, vendor oversight, and committee decisions in one secure platform, so your fiduciary process speaks for itself. Learn more at www.fiduciaryinabox.comFinished with the content? Claim your CE credit here:https://ideas.ethosbenefits.com/continuing-educationSHRMEthos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.HRCIEthos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
    続きを読む 一部表示
    1 時間 5 分
  • 86. The Plan Sponsor Movement: Rethinking Employer Health Coalitions

    86. The Plan Sponsor Movement: Rethinking Employer Health Coalitions
    2026/09/10
    In this episode of The Business of Benefits, host Chelsea Ryckis sits down with Karen van Caulil, Ph.D., President and CEO of the Florida Alliance for Healthcare Value, to unpack how employers are building real leverage in healthcare by purchasing together. If you have ever been told "we're not going to do a one-off for you," this one is for you.Karen explains what an employer-led healthcare coalition actually does, how the Florida Alliance moves 80 public and private sector members from passive payers to sophisticated purchasers, and why the Alliance now works in health policy. She and Chelsea dig into the new Pulse of the Purchaser survey, Florida's standing as the most expensive state in the nation for hospital services at roughly 345% of Medicare, and a real case where Central Florida employers pushed back on a double-digit hospital increase with data and a coalition at the table. Chelsea connects it to fiduciary duty, why compliance is leverage, and the auto-renewals and point solution sprawl that keep plan sponsors stuck.
    WHAT YOU'LL LEARN• How to tell a real coalition from a pay-to-play purchasing group• Why employers with complete claims access implement at least four more cost strategies• What to ask your PBM today: 100% rebate pass-through, claims-level data, full audit rights• Why price, not utilization, is the real cost driver• The 90-day auto-renewal trap and how to get ahead of it
    TIME STAMPS00:00 Cold Open: You Can't Purchase What You Can't See00:47 Welcome to The Business of Benefits01:10 Why Every Plan Sponsor Should Be Part of a Coalition02:36 Meet Karen van Caulil and the Florida Alliance03:13 From Payer to Purchaser05:37 Moving Into Health Policy06:37 Real Coalitions vs. $180,000 Committee Seats10:03 "We're Not Going to Do a One-Off for You"11:53 Trust But Verify12:57 Does Every State Have a Coalition?16:37 Regional Differences: Pricing, Direct Contracting, Primary Care19:47 There Is No Good Price for Bad Care20:40 Sponsor: Fiduciary in a Box22:43 Case Study: Pushing Back on a Hospital Increase24:43 Pulse of the Purchaser: What Employers Expect26:18 Florida's Hospital Prices by the Numbers30:16 Data Is a Strategic Asset31:56 Don't Wait for the Law: Act on PBM Transparency Now34:57 Point Solution Overload36:35 The Auto-Renewal Trap40:05 Final Thoughts and Where to Find Karen
    FROM OUR SPONSORYou're doing the work. Don't leave the proof behind.Managing a health or retirement plan takes time, oversight, and judgment. Fiduciary In A Box documents your governance, vendor oversight, and committee decisions in one secure platform, so your fiduciary process speaks for itself. Learn more at www.fiduciaryinabox.com
    CONNECT WITH KARENFlorida Alliance for Healthcare Value: https://flhealthvalue.orgKaren on LinkedIn: https://www.linkedin.com/in/karenvancaulilphd/Pulse of the Purchaser 2026: https://www.nationalalliancehealth.org/resources/pulse-of-the-purchaser-2026-survey-results/
    CONNECT WITH CHELSEA AND ETHOS BENEFITSSchedule a Strategic Analysis: https://ethosbenefits.com/contact/Chelsea on LinkedIn: https://www.linkedin.com/in/chelsea-ryckis-8508a192/Ethos Benefits on LinkedIn: https://www.linkedin.com/company/ethosbenefits/
    LISTENApple Podcasts: https://podcasts.apple.com/us/podcast/the-business-of-benefits-podcast/id1724134305Spotify: https://open.spotify.com/show/0nlniHvhiOKPJmowsdDlTISponsored by Fiduciary in a Box, the fiduciary operating system for health plan sponsors: https://www.fiduciaryinabox.com
    Finished with the content? Claim your CE credit here:https://ideas.ethosbenefits.com/continuing-education
    SHRMEthos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities.
    HRCIEthos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® certification.
    続きを読む 一部表示
    42 分
  • 84. The People's Picks: The Most-Watched Moments of the Year

    84. The People's Picks: The Most-Watched Moments of the Year
    2026/08/13
    This episode is built entirely from your favorite moments. In this year-in-review special, hosts Chelsea Ryckis and Donovan Ryckis of Ethos Benefits count down the most-watched clips of the year, the conversations that changed how employers think about their self-funded health plan. Across seven conversations you'll hear from an HVAC owner who found a 97% price difference on the same medical claim, an HR leader who saved her company $24 million, a PBM insider who exposes who owns who in the drug supply chain, a stop loss expert who makes self-funded vs. fully insured make sense, a reference-based pricing specialist who busts the biggest myth about balance billing, a birth advocate making the case for doulas as a benefits strategy, and Mark Cuban on where healthcare pricing is headed next. If you only watch one episode of this podcast, make it this one. What You’ll Learn * What a PBM actually is, and who owns who in the "Big 3" * Why international drug sourcing can cut prescription costs by more than 75% * How an $80,000 medical claim became $2,000 for the identical treatment from the identical doctor * The real financial impact of reference-based pricing: one company's path to $24 million in savings * How to tell when your broker isn't actually on your side, and what fiduciary disclosure should look like * Why "balance billing" fears are mostly a scare tactic, and what the real numbers show * The simplest way to explain self-funded vs. fully insured health plans to any employer * Why doulas and maternal health support belong in a modern employee benefits strategy FROM OUR SPONSOR You're doing the work. Don't leave the proof behind. Managing a health or retirement plan takes time, oversight, and judgment. Fiduciary In A Box documents your governance, vendor oversight, and committee decisions in one secure platform, so your fiduciary process speaks for itself. Learn more at www.fiduciaryinabox.com. Time Stamps 00:00 - Welcome to The Business of Benefits 01:14 - Meet Your Host: A Highlight Reel Intro 02:08 - What Is a PBM, Really? (feat. Rachel Strauss) 05:20 - Who Actually Owns the PBMs (Vertical Integration) 07:33 - International Drug Sourcing and Real Savings Numbers 12:15 - The $80K Skin Graft That Became $2K (feat. Bryan Orr) 15:49 - The Big Lie of Healthcare Pricing (feat. Stephanie Porrino) 20:07 - The Problem-Solution Cycle and Choosing Your Hard 21:12 - Rolling Out a New Plan Before Open Enrollment (feat. Danielle Young) 22:52 - Balance Bills, Mythbusted 25:42 - A Word From Fiduciary in a Box 26:30 - Self-Funded vs. Fully Insured, Explained (feat. Spencer Smith) 31:00 - POSIWID: The Purpose of a System Is What It Does 32:37 - RFP Gatekeeping and the Trip to Aruba (feat. Mark Cuban) 34:04 - Get Rid of Insurance Completely: The Future of Healthcare Banking 37:13 - The Truth About Childbirth in America (feat. Brittany George) 40:47 - Why Doulas Are Like Direct Primary Care for Birth 42:43 - We Are Robbing Women of This Experience Connect with Rachel Strauss, "PBM Princess," VP of Strategic Development at EHIM LinkedIn: https://www.linkedin.com/in/rachelmstrauss/ Website: https://rachelmstrauss.com/ Company: https://www.ehimrx.com/ Bryan Orr, Co-Founder, Kalos Services LinkedIn: https://www.linkedin.com/in/bryanorrkalos/ Company: https://www.kalosflorida.com/ Stephanie Porrino, Founder and CEO, Empower Healthcare Insights LinkedIn: https://www.linkedin.com/in/stephanie-kochporrino/ Danielle Young, VP of Business Development, ClaimDOC LinkedIn: https://www.linkedin.com/in/rbpdanielleyoung/ Company: https://claim-doc.com/ Spencer Smith, ParetoHealth LinkedIn: https://www.linkedin.com/in/spencer-smith-self-funded/ Company: https://paretohealth.com/ Mark Cuban, Co-Founder, Mark Cuban Cost Plus Drug Company Website: https://www.costplusdrugs.com/ LinkedIn: https://www.linkedin.com/company/costplusdrugs Brittany George, HeR Consulting LinkedIn: https://www.linkedin.com/in/brittanyspaziano/ Company: https://herconsulting.net/ Patrick Williams, Co-Founder, Fiduciary in a Box LinkedIn: https://www.linkedin.com/in/corporatefiduciary/ Company: https://www.fiduciaryinabox.com/ Chelsea Ryckis, President, Ethos Benefits LinkedIn: https://www.linkedin.com/in/chelsea-ryckis-8508a192/ Donovan Ryckis, CEO, Ethos Benefits LinkedIn: https://www.linkedin.com/in/donovanryckis/ MORE FROM ETHOS BENEFITS Website: https://ethosbenefits.com/ Podcast site: https://businessofbenefitspodcast.com/ YouTube: https://www.youtube.com/@thebusinessofbenefitspodcast Finished with the content? Claim your CE credit here: https://ideas.ethosbenefits.com/continuing-education SHRM Ethos Benefits is recognized by SHRM to offer professional development credits (PDCs) for SHRM-CP® or SHRM-SCP® recertification activities. HRCI Ethos Benefits is approved to offer HRCI® recertification credits for this program. This program has been approved for 0.5 - 1 HR (General) recertification credit(s) toward aPHR®, PHR®, SPHR®, and GPHR® ...
    続きを読む 一部表示
    43 分
adbl_web_anon_alc_button_suppression_t1
まだレビューはありません