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- 1 weeks ago59 min
77. A Candid Look at Health Benefits, Compliance, and the State of the Industry
In this special episode of The Business of Benefits, host Austin Townend flips the script and interviews our very own President and Co-Founder, Chelsea Ryckis. Together, they break down exactly what employers need to know about healthcare compliance, vendor accountability, and controlling costs heading into 2026.We cover the massive compliance shifts from the last 12 months—including the CAA of 2026 and FTC scrutiny on PBMs—and why these changes are the ultimate leverage for plan sponsors. Chelsea unpacks why Direct Primary Care (DPC) combined with HSAs is a game-changer, why ICHRAs are just a bandaid for healthcare inflation, and how to spot the red flags in your broker and PBM contracts. Plus, learn how to stop accepting the bare minimum from your vendors and start demanding true fiduciary alignment.What you’ll learnHow recent compliance changes (like the CAA of 2026) give employers unprecedented leverage over their health plansWhy the traditional high-deductible health plan (HDHP) is failing low-wage earners, and how Direct Primary Care (DPC) actually reduces claimsThe hidden dangers of ICHRAs and why they don't solve the root cause of healthcare inflationHow to identify "red flags" with your PBMs and brokers, including spread pricing and refusing compensation disclosuresWhy vendor accountability requires more than just a "nice account manager"—and how to use KPIs and scorecards to evaluate themThe truth about big company purchasing power: why 10,000+ employee companies are often paying more than mid-market competitorsConnect with UsChelsea Ryckis on LinkedIn: https://www.linkedin.com/in/chelsea-ryckis-8508a192Austin Townend on LinkedIn:https://www.linkedin.com/in/austin-townend-619520103Ethos Benefits:https://ethosbenefits.com/The Business of Benefits Podcast:https://businessofbenefitspodcast.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.
- 3 weeks ago43 min
76. The Doctor Who Cut the Middleman Out of Imaging w/ Cristin Dickerson
In this episode of The Business of Benefits, host Chelsea Ryckis sits down with Dr. Cristin Dickerson, founder of Green Imaging, to uncover the power of direct contracting for employer-sponsored health plans. They dive deep into how getting the "middleman" out of the equation can save plan sponsors up to 60% on medical imaging while actually improving the quality of care for employees.We cover how direct contracting works in practice, why traditional insurance models artificially inflate imaging costs, and how Green Imaging is flipping the script by providing transparent, cash-pay rates. Dr. Dickerson explains the HIPAA Omnibus Law that makes this possible, how to build a zero-out-of-pocket benefit that employees actually use, and the real-world savings employers are seeing. Chelsea and Dr. Dickerson also discuss the future of direct primary care, navigating hospital pushback, and why every employer has a fiduciary duty to explore these solutions.What you’ll learn• What direct contracting is and how it eliminates the middlemen driving up healthcare costs• Why there is an inverse correlation between cost and quality in the U.S. healthcare system• How the HIPAA Omnibus Law protects employers and employees when carving out imaging benefits• The exact process for members using Green Imaging, from text-based scheduling to receiving care• How plan sponsors can structure their benefits to incentivize zero-out-of-pocket imaging• The challenges of navigating the "down the hall" mentality and how to educate employees• Why direct contracting for imaging and direct primary care are the easiest first steps for employersConnect with the Speakers:Cristin Dickerson: LinkedIn: https://www.linkedin.com/in/cristin-dickerson-md-a1a1b013/Green Imaging: https://greenimaging.net/Chelsea Ryckis: LinkedIn: https://www.linkedin.com/in/chelsea-ryckis-8508a192/Ethos Benefits: https://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.
- Apr 9, 202650 min
75. Mark Cuban: Your Broker is Lying To You
In this explosive episode of The Business of Benefits, host Chelsea Ryckis and Fiduciary Benefits Consultant Talia Hansen sit down with entrepreneur and billionaire Mark Cuban to discuss the massive disruption happening in the healthcare industry. Mark shares the origin story behind Cost Plus Drugs and Cost Plus Wellness, and why employers hold the ultimate power to fix the broken healthcare system.We cover how employers can stop overpaying for healthcare, the critical importance of aligned incentives, and why direct-to-employer programs are the future. Mark breaks down the hidden games played by traditional PBMs and carriers, and how taking an "outside-in" approach is the only way to truly advocate for patients. We also explore the value of having an internal "Healthcare CEO" to manage claims, and Mark shares his visionary idea for replacing health insurance premiums with a revolutionary healthcare banking model.What you’ll learn:• The "aha moment" that led Mark Cuban to start Cost Plus Drugs and expose the massive markups in the pharmaceutical industry.• Why the traditional RFP process is designed to protect incumbents and keep employers in the dark.• How to identify and eliminate misaligned incentives in your health plan to save money and improve care.• The power of direct contracting and why employers need an internal "Healthcare CEO" to audit claims and manage vendor relationships.• Mark Cuban’s vision for the future: eliminating traditional health insurance companies in favor of a healthcare banking and loan model.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.
- Mar 26, 202633 min
74. Benefits Consultant Reacts to Shady Contract Clauses w/ Chelsea Ryckis
Your health plan contracts are full of hidden traps and most employers never read them until it's too late.In this solo episode of The Business of Benefits, Chelsea Ryckis of Ethos Benefits pulls back the curtain on the most alarming contract clauses she's encountered in the last six to eight months. From undisclosed broker bonuses and spread pricing to termination traps and one-sided indemnification clauses, Chelsea breaks down exactly what to look for and what it actually means for your company.This episode is essential listening for any business owner, HR professional, or benefits committee member who wants to fulfill their fiduciary duty and protect their plan participants.What You'll Learn:- The six forensic lenses Ethos Benefits uses to review every vendor contract- How to identify hidden conflicts of interest and undisclosed compensation- Why your scope of services must be written down and what happens when it isn't- How to use KPIs and performance guarantees to hold vendors accountable- Why implementation guarantees matter more than service guarantees- How vendors use HIPAA as an excuse to block your access to your own data- The termination clause that forced a plan sponsor to pay a broker they'd already fired- Why the future of healthcare reform lives in contract languageConnect with Chelsea Ryckis: https://www.linkedin.com/in/chelsea-ryckis-8508a192/Ethos Benefits: https://ethosbenefits.com/ --------------------------------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.
- Mar 13, 202649 min
73. From Peo to Independent Excellence: The GQR Wynden Stark Healthcare Story
In this special episode of The Business of Benefits, we pull back the curtain on a real-life, multi-year healthcare strategy transformation. Join our hosts as they sit down with Connie Alvarez, Director of HR at Wynden Stark, to dissect the five-year journey of their self-funded health plan. This is a masterclass for any employer feeling trapped by rising premiums and lack of control.We explore the highs, the lows, and the unexpected curveballs—from navigating mergers and acquisitions to tackling the complexities of a fluctuating workforce in the healthcare staffing industry. Discover how Wynden Stark, with the guidance of Ethos Benefits, moved from a fully insured model to a custom, unbundled, self-funded plan, achieving over $3.7 million in savings in just two years. This case study reveals the power of a fiduciary approach, the critical role of data in negotiations, and how to build a plan that delivers both financial results and a superior member experience. If you want to learn how to take back control of your healthcare spend and become a true steward of your company’s benefits, this episode is a must-listen.What You’ll LearnThe 5-year roadmap from a fully insured plan to a high-performing, self-funded model.How to navigate a 42% renewal increase and turn it into a -1.3% decrease.The power of carving out your Pharmacy Benefit Manager (PBM) and the massive savings potential in Rx.Strategies for implementing an unbundled plan with an independent TPA and fiduciary PBM.How to use data and analytics to negotiate with carriers and stop-loss providers.The importance of member communication and advocacy in a self-funded environment.Innovative solutions like international pharmacy sourcing and spousal HRAs that drive down costs.How to maintain an excellent member experience even with major plan design changes. --------------------------------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.
- Feb 26, 202659 min
72. Future Proofing Your Health Benefits: A Case Study in Multi-Year Planning w/ Julia Watt
In this session, Chelsea Ryckis and Julia Watt, Director of HR at Medical Technology Transfer (MTT), delve into a case study on "Future-Proofing Your Health Benefits." They discuss how MTT, a 125-employee company, achieved a 67% reduction in claims cost over three years through a multi-year strategic plan. This conversation offers a roadmap for employers of all sizes to move away from the traditional, reactive renewal cycle and adopt a proactive, data-driven approach to managing healthcare costs and fiduciary responsibilities.What you'll learn:How a small employer (125 employees) can implement innovative healthcare strategies often considered only for large corporations.The limitations of fully insured plans and the benefits of transitioning to level-funded and self-funded models.The importance of data transparency in understanding and controlling healthcare cost drivers.How to strategically unbundle your health plan and select vendors aligned with your company's best interests.The critical role of a fiduciary PBM in managing pharmacy costs, which are often a significant expense.Actionable steps to take control of your health plan, negotiate better terms, and reduce costs without compromising employee benefits.--------------------------------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.
- Feb 12, 202642 min
71. The Hospital Programs Your Broker Never Mentioned: 501(r) & Hospital Bill Review with Patrick Haig
In this episode of The Business of Benefits, host Donovan Ryckis sits down with Patrick Haig, co-founder and CEO of Goodbill, to reveal the secrets of hospital billing that every employer needs to know. They dive deep into the world of 501(r), a little-known IRS regulation that requires nonprofit hospitals to offer financial assistance, and how it can dramatically reduce healthcare costs for both employees and plan sponsors.Patrick explains how Goodbill leverages this and other strategies to audit hospital bills, find errors (which appear in about half of all bills), and secure significant savings. This is a must-listen for any CFO, CHRO, or business owner looking to fulfill their fiduciary duty, contain rising healthcare costs, and provide real, tangible support to their employees—especially those on high-deductible health plans.What you’ll learn:- What 501R is and how it mandates financial assistance from 80% of hospital beds in the US.- The surprisingly high income thresholds that allow many employees to qualify for bill reductions or full waivers.- How to get refunds for hospital bills that have already been paid.- Why half of all hospital bills contain errors and how to find and correct them for savings of 20% or more.- How proactive bill review can be a powerful tool for employee advocacy and trust-building, not a punitive measure.- Practical steps for implementing a bill review and financial assistance program, whether you have a fully insured or self-funded plan.Time Stamps:00:00 – Preview01:16 - The Business of Benefits Intro01:43 – Meet Patrick Haig03:11 – What is 501R?05:15 – For-Profit Hospitals and Financial Assistance08:23 – Income Limits for 501R12:00 – How Goodbill Reviews Bills for Errors13:35 – Why Don't More People Know About 501R?16:05 – The Bill Review Process18:51 – Shocking Bill Review Results22:09 – Fiduciary Duty and Overpaying for Healthcare25:28 – Bill Review Thresholds and Inaccuracy Percentages29:26 – Common Hospital Billing Errors34:28 – Implementation and Integration of Goodbill37:15 – Timing and Refunds for 501R41:47 – Where to Find Patrick Haig--------------------------------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.
- Jan 29, 202651 min
70. Redefining Benefits Leadership w/ Stephanie Porrino & Kristina Ewing
In this episode of The Business of Benefits, host Chelsea Ryckis sits down with two trailblazing benefits leaders, Stephanie Porrino, Director of HR at Hendry Marine Industries, and Kristina Ewing, Director of Health and Wellbeing at Shoestring Valley Holdings at the Best of the Best Florida Healthcare Alliance event. Together, they share their journeys of transforming employer health plans through innovative strategies, data-driven decision making, and bold vendor partnerships, offering actionable insights for employers ready to take control of their benefits and deliver real value to their people.From self-funding and reference-based pricing to no-cost care alternatives and fiduciary governance, Stephanie and Kristina reveal how they navigated complex challenges, disrupted traditional models, and built multi-year benefits strategies that prioritize both financial sustainability and employee wellbeing.Time Stamps:00:00 – Welcome to The Business of Benefits 01:02 – Introduction to Guests and Episode Overview 02:19 – Stephanie and Kristina’s Backgrounds and Company Profiles 04:10 – Stephanie’s “Aha” Moment: Discovering Healthcare Pricing Discrepancies 07:19 – Kristina’s Journey: Unbundling and Finding the Right Partners 09:31 – The Importance of Ownership and Advisor Switching 10:08 – Kristina’s Multi-Year Benefits Strategy Overview 13:26 – Overcoming Challenges: Member Education and Engagement 15:41 – Vendor Summit and Setting KPIs for Accountability 18:07 – Hendry Marine’s Roadmap to Reference-Based Pricing and Pharmacy Savings 20:54 – Increasing Preventive Care Utilization with Onsite Clinics 25:29 – Financial Performance and Savings Highlights from Shoestring Valley 27:15 – New Program Innovations and Plan Design Shifts at Hendry Marine 30:25 – Managing High-Cost Claimants and Spousal Coverage Strategies 32:53 – Incentivizing In-Network Utilization and Mental Health Support 33:21 – Compliance and Fiduciary Responsibilities: Leveraging CAA and ERISA 37:03 – Procurement Best Practices: Questions to Ask Vendors 41:32 – Fiduciary Governance: Committees and Due Diligence 43:55 – Addressing Disruption and Administrative Burden in Benefits Changes 46:13 – Q&A: International Pharmacy Programs Explained 47:33 – Q&A: Direct Primary Care and C-Suite Perspectives on ROI vs. Disruption 50:44 – Closing Thoughts on Employee Experience and Leadership Alignment Guest Links:Stephanie Porrino LinkedIn: https://www.linkedin.com/in/stephanieporrino/Hendry Marine Industries: https://hendrymarineindustries.com/Kristina EwingLinkedIn: https://www.linkedin.com/in/kristina-ewing-98aa9867/Shoestring Valley Holdings: https://www.shoestringvalley.com/Andersen Construction: https://www.andersen-const.com/Connect with Chelsea and Donovan:Website: www.businessofbenefitspodcast.comInstagram: https://www.instagram.com/businessofbenefitspodcastChelsea: https://www.linkedin.com/in/chelsea-ryckis-8508a192/Donovan: https://www.linkedin.com/in/donovanryckis/--------------------------------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? A
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