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The Business of Benefits Podcast: Daily Summaries Delivered
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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 An empowering roadmap for employers ready to break free from outdated models and unlock smarter, more sustainable benefits.If you’re tired of the same old sales pitch and ready to rethink benefits, reduce costs, and improve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?
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- 1 weeks ago42 min
86. The Plan Sponsor Movement: Rethinking Employer Health Coalitions
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 itTIME 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 KarenFROM 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.comCONNECT 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.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.
- 3 weeks ago35 min
85. Charity Dollars, Real Savings: Rethinking Your Highest-Dollar Claimants w/ Brett Morris
In this episode of The Business of Benefits, host Chelsea Ryckis talks with Brett Morris, Founder and CEO of the Samaritan Fund Program, about one of the toughest problems in employee benefits: high-cost claimants. Brett spent 15 years as a benefits broker before founding Samaritan Fund Program in 2021, which connects employees facing high-cost diagnoses with charitable funding so they can move to individual coverage at little to no out-of-pocket cost, fully compliant with ERISA and DOL rules.We cover how self-funded employers can quantify the savings one high-cost claimant is driving on their renewal, why paying an employee to leave the plan is illegal (and why routing it through a vendor doesn't fix that), and how Samaritan Fund built a compliance framework reviewed by Nixon Peabody and examined by the DOL and six state regulators. Brett also shares a real case where a $250,000 renewal increase was fully offset while the affected member's costs dropped to zero.What you'll learnWhat counts as a "high-cost claimant" and why a handful of claims usually drive most of a renewal increaseThe legal line employers can't cross when moving a high-cost claimant off the group planHow Samaritan Fund sources charitable funding, and why the money can never touch the employer or a vendorThe four ways to manage risk (avoid, reduce, transfer, retain) and where this program fitsHow to quantify the savings opportunity from a high-cost claimant before your next renewalA case study eliminating $250,000 in renewal increase while the member's costs dropped to zeroHow Samaritan Fund Program is paid, and why it's built around performance, not a cut of savingsAbout Brett Morris and the Samaritan Fund Program Brett Morris is the Founder and CEO of the Samaritan Fund Program, which now works with more than 2,000 employer groups across 49 states and the Virgin Islands. He also leads the Samaritan Fund Foundation, the nonprofit side of the organization.Brett Morris on LinkedIn: https://www.linkedin.com/in/brett-morris-5179b737/Samaritan Fund Program website: https://samaritanfundprogram.com/Samaritan Fund Program on LinkedIn: https://www.linkedin.com/company/samaritan-fund-programSamaritan Fund Foundation website: https://samaritanfundfoundation.org/Samaritan Fund Foundation on LinkedIn: https://www.linkedin.com/company/samaritan-fund-foundationEmail: service@samaritanfundprogram.comFROM 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.comHOSTED BYChelsea Ryckis, President, Ethos BenefitsLinkedIn: https://www.linkedin.com/in/chelsea-ryckis-8508a192/MORE FROM ETHOS BENEFITSWebsite: https://ethosbenefits.com/Podcast site: https://businessofbenefitspodcast.com/YouTube: https://www.youtube.com/@thebusinessofbenefitspodcastFinished 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.
- Aug 13, 202642 min
84. The People's Picks: The Most-Watched Moments of the Year
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® certification.
- Jul 30, 202638 min
83. “I Don’t Know” Won’t Cut It in a Department of Labor Audit w/ Patrick Williams
In this episode, host Chelsea Ryckis sits down with Patrick Williams, Co-Founder of Fiduciary in a Box, to reset what it actually means to be a fiduciary over your company’s health plan, and why “I don’t know” is the one answer that won’t hold up in a Department of Labor audit. We cover the core tenets of fiduciary duty under ERISA, the difference between settlor and non-settlor functions, and why the same prudent-process standard employers already apply to their 401(k) now applies to their health plan under the CAA. Patrick shares real stories from his own client base, including a company that went seven years without filing a required Form 5500, and a 3,000-life employer that declined a fiduciary platform only to get hit with a DOL audit six months later. Chelsea and Patrick also break down a fiduciary liability insurance gap most health and welfare advisors don’t carry, why most RFP processes are built to protect incumbents, and the exact questions plan sponsors should be asking before they ever sign a contract.What You’ll Learn• The core tenets of fiduciary duty under ERISA, and why prudence matters more than perfection • The difference between settlor functions and fiduciary functions, and which one actually carries liability• Why health plans now face the same committee, documentation, and vendor-review scrutiny as retirement plans• A fiduciary liability insurance gap most health and welfare advisors don’t carry, and the question to ask them directly• Real DOL audit and Form 5500 penalty stories, and what actually holds up as a defense• Five RFP questions that separate a real fiduciary process from a marketing claim• Practical steps to build a documented, audit-ready fiduciary process starting todayWhether you’re an HR professional, CFO, CEO, or a plan sponsor tired of guessing your way through renewal, this episode is your call to build a fiduciary process you can actually defend.Connect with Patrick WilliamsLinkedIn: https://www.linkedin.com/in/corporatefiduciary/Website: https://www.fiduciaryinabox.comConnect with Chelsea and The Business of BenefitsWebsite: https://www.businessofbenefitspodcast.comYouTube: https://www.youtube.com/@thebusinessofbenefitspodcastThe Business of Benefits PodcastSubscribe wherever you listen to podcasts: Apple, Spotify, or your favorite podcast app.Ethos Benefits is a fee-only, fiduciary benefits consulting firm. We don’t take commissions. We don’t represent carriers. We represent you.Finished 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.
- Jul 16, 20261h 2m
82. A Panel Discussion with 2 Employer Case Studies w/ Jaimie Jarvis & Stephanie Porrino
At SHRM26, moderator Chelsea Ryckis and Ethos Benefits co-founder Donovan Ryckis brought two employers on stage to show what taking control of a self-funded health plan looks like in dollars and cents. Stephanie Porrino (formerly HR Director at Hendry Marine Industries, now Founder & CEO of Empower Healthcare Insights) and Jaimie Jarvis (HR Director at Kalos Services) walk through the plan changes, broker breakups, and multi-year strategy that took their companies from reactive renewals to governed, fiduciary-driven plans, backed by real claims data. We cover the four moving parts of every health plan (PBM, network, TPA, stop loss), why fully funded and level funded plans leave employers with no real data, how reference-based pricing works, and how two very different employers landed in the same place: lower costs, better access to care, and employees who feel it.What you'll learn:Fully funded vs. level funded vs. self-funded, and why most employers never see their real claims dataHow reference-based pricing works, and why 13 states have already adopted itA 300-employee shipyard's five-year case study: 77% off billed hospital claimsHow a construction company went from a 37% renewal increase to zero premium increases in four yearsWhy removing cost-sharing on primary care, imaging, and mental health can lower total spendWhy more balance bills can actually be a good signHow to tell if your broker or advisor is really working in your best interestGet more on our guests at:Stephanie Porrino, Founder & CEO, Empower Healthcare InsightsWebsite: https://empowerhcinsights.com LinkedIn: https://www.linkedin.com/in/stephanie-kochporrino/Jaimie Jarvis, HR Director, Kalos ServicesLinkedIn: https://www.linkedin.com/in/jaimie-nyhuis-jarvis/Patrick Williams, Co-Founder, Fiduciary in a BoxLinkedIn: https://www.linkedin.com/in/corporatefiduciary/Whether you're an HR professional, CFO, CEO, or just tired of rising healthcare costs, this is your call to rethink your benefits strategy and finally take control.Connect with Chelsea and Donovan:Website: www.businessofbenefitspodcast.com YouTube: https://www.youtube.com/@thebusinessofbenefitspodcast Instagram: https://www.instagram.com/ethoseffectpodcast/ Chelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/ Donovan: https://www.linkedin.com/in/donovanryckis/The Business of Benefits Podcast:Subscribe wherever you listen to podcasts: Apple, Spotify, or your favorite podcast app.Ethos Benefits is a fee-only, fiduciary benefits consulting firm. We don't take commissions. We don't represent carriers. We represent you.—-Finished with the content? Claim your CE credit here:https://ideas.ethosbenefits.com/continuing-educationSHRM: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® certification.
- Jul 2, 202643 min
81. Why Your Wellness Program Isn't Working: The Data-Driven Fix for Employee Burnout w/ Dr. Romie Mushtaq
In this episode of The Business of Benefits, host Chelsea Ryckis sits down with Dr. Romie Mushtaq, triple board-certified physician, national bestselling author, Chief Wellness Officer at Great Wolf Resorts, and founder of the brainSHIFT Institute, to have the workforce wellness conversation that the benefits industry has been missing.Dr. Romie pulls back the curtain on why burnout has become one of the most overused and misunderstood terms in corporate America, and what's actually driving the crisis. From her personal story of near-fatal burnout in 2010 to building science-backed, data-driven wellness programs for 14,000+ employees, she brings the clinical receipts to a conversation that most "wellness influencers" simply can't.Chelsea and Dr. Romie also dig into what burnout really looks like in claims data and it's probably not what you think plus how organizations of any size can build a culture shift that drives measurable ROI without jump ropes, Pelotons, or wellness apps nobody uses.The 45th Annual Employee Benefits Symposium (Aug. 23–26, Phoenix) is where benefits professionals go to connect, learn, and level up. Register by July 21 for early bird pricing: www.iscebs.org/symposiumWhat you'll learnWhy burnout is being misdiagnosed and what employees are actually asking forHow the Busy Brain Test gives organizations a data-driven snapshot of workforce mental healthWhat burnout really looks like in claims data (hint: it's musculoskeletal injuries and metabolic syndrome, not just mental health claims)Why trust is the pathway to actual utilization of every benefits program you've invested inHow Dr. Romie's three-pillar framework Protect Your Brain, Protect Your People, Protect Your Business, applies to companies of 25 or 25,000What happened when one plan sponsor removed every barrier to mental health access (the cost result will surprise you)Why wellness dies when it lives solely with the benefits directorHow empathy and accountability coexist and why caring cultures still have high expectations
- Jun 18, 202635 min
80. Built Different: The Ethos Story w/ Chelsea Ryckis & Donovan Ryckis
The benefits industry is broken. $37,824. That's the average cost of a family of four on an employer-sponsored health plan in 2026 and it's growing at 9% a year. So how did we get here, and what does it actually look like to fight back?In this episode, host Austin Townend sits down with Chelsea Ryckis (President) and Donovan Ryckis (CEO) of Ethos Benefits for the origin story nobody asked for but everyone needs to hear. From Donovan's background as a fiduciary securities advisor who saw the same conflicts in healthcare and couldn't look away, to Chelsea getting hit in the head with a softball and learning the hard way that you can run but you can't hide from medical debt... this is the story of how Ethos was built different on purpose.Take the next step in your career. Start your CEBS journey today at CEBS.org.https://bit.ly/48k4aeZWhat You'll LearnWhy Donovan left a lucrative securities career to fix a bigger problem in healthcareChelsea's personal experience with medical debt and how it shaped the Ethos missionThe real definition of fiduciary — and the three things it actually requiresWhy there is zero fiduciary standard in insurance (and what that means for you)The $37,824 number every employer needs to hearA claim is a dollar, not a condition — and why that distinction changes everythingThe four things you can do with healthcare risk: reduce, avoid, retain, or transferWhy brokers go straight to the transfer (and how that lines their pockets)How to vet whether your advisor is actually living the fiduciary standard — not just marketing itWhere the industry is headed over the next five years, including PBM legislation and litigationat Connect with Chelsea Ryckis:LinkedIn: https://www.linkedin.com/in/chelsea-ryckis-8508a192/Connect with Donovan Ryckis:LinkedIn: https://www.linkedin.com/in/donovanryckis/Connect with Austin Townend:LinkedIn: https://www.linkedin.com/in/austintownend/Connect with Ethos Benefits:LinkedIn: https://www.linkedin.com/company/ethosbenefits/Website: https://www.ethosbenefits.com—Finished with the content? Claim your CE credit here:https://ideas.ethosbenefits.com/continuing-educationSHRM: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® certification.#EmployeeBenefits #HealthcareCosts #FiduciaryDuty #BusinessOfBenefits #EthosBenefits #HRLeadership #GroupHealthInsurance #BenefitsStrategy #HealthcarePlanning #PBM #ERISA #HealthBenefits #EmployerHealthcare #BenefitsBroker #OpenEnrollment #HealthcareCostContainment #SelfFundedHealthPlan #HRPodcast #BenefitsPodcast #PlanSponsor
- Jun 4, 202640 min
79. Stop Ignoring Women's Health Benefits w/ Brittany George
In this episode, host Chelsea Ryckis sits down with Brittany George( insurance industry veteran, founder of Her Consulting, and author of A Tale of Two Births) to pull back the curtain on maternal healthcare in America. Brittany brings a rare perspective: 17 years in health insurance, time at Fountain Health, and two profoundly different birth experiences that changed everything she thought she knew about the system she worked in.They cover the cascade of interventions most women don't know they're signing up for, why the incentives inside hospitals are misaligned against patients, what fentanyl has to do with labor and delivery, and — critically — what self-funded employers can do RIGHT NOW to support the women on their plans.What You'll Learn- Why 70% of women get an epidural containing fentanyl — and most aren't told- How a C-section can cost a health plan $80,000–$100,000+ vs. $4,000–$7,000 for a vaginal birth- Why doula coverage is the single highest-impact benefit employers can add today- The downstream health risks for dependents born via C-section — and what that means for your plan- How the birth center vs. hospital vs. home birth decision affects both outcomes AND claims- Why women at every stage — postpartum, perimenopausal, infertile — are being underserved by traditional benefits- What "A Tale of Two Births" taught Brittany about asking better questions in any healthcare settingConnect with Chelsea Ryckis:LinkedIn: https://www.linkedin.com/in/chelsearyckisWebsite: https://www.ethosbenefits.comConnect with Brittany George:LinkedIn: https://www.linkedin.com/in/brittanyspaziano/Website: https://ataleoftwobirths.com/Connect with Ethos Benefits:LinkedIn: https://www.linkedin.com/company/ethos-benefitsYouTube: https://www.youtube.com/@ethosbenefitsInstagram: https://www.instagram.com/ethosbenefitsWebsite: https://www.ethosbenefits.comThe Business of Benefits Podcast:Subscribe wherever you listen to podcasts: Apple, Spotify, or your favorite podcast app.Ethos Benefits is a fee-only, fiduciary benefits consulting firm. We don't take commissions. We don't represent carriers. We represent you.—Finished with the content? Claim your CE credit here:https://ideas.ethosbenefits.com/continuing-educationSHRM: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® certification.
About The Business of Benefits Podcast
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?
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