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The Business of Health Podcast examines how group health insurance brokers and agents grow profitable businesses. We focus on issues like ACA compliance, ERISA, and other issues that cost companies thousands. Host Mike Martens brings over a decade of experience in group health compliance. His company First Staff Benefits has saved clients millions of dollars and countless hours through Affordable Care Act compliance services. The Business of Health is here to save your group health business ...
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NFP introduces the Insights from the Experts podcast series. Each episode will showcase timely perspective from members of the NFP community, delivering information, analysis and solutions that address our clients’ most significant challenges. You can find archived episodes of Innovation Conversations at https://soundcloud.com/user-939810789.
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T
To The Point Podcast

1
To The Point Podcast

Lipscomb and Pitts Insurance, Sarah Gillespie | Producer: Andrew Bartolotta

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The Lipscomb and Pitts Insurance Compliance Director, Sarah Gillespie and a first class ERISA attorney share key Affordable Care Act and compliance hot topics all in 15 minutes or less. This podcast gives interested individuals a short nugget of information on specific benefits compliance items or ACA related topics that will help them better do their job or understand the requirements. Our topics will be specific and brief, and guidance will be provided by a first class ERISA attorney. And ...
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Triage: Rapid Legal Lessons for Busy Health Care Professionals has been created by K&L Gates to convey information about developments in health law through short podcasts. If you work in the health care industry, you have grown accustomed to frequent changes in laws and regulations. On some days, it may seem like an insurmountable task to keep up with every change, especially as a new presidential administration and new policies take shape. The K&L Gates Health Care practice will regularly c ...
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In this episode, Chase Cannon and Suzanne Spradley discuss updates on the ACA preventive care mandate litigation, including a stay issued by the Fifth Circuit Court of Appeals. HSA contribution limits become a topic of discussion, as the IRS recently published updated numbers. Chase and Suzanne also discuss a common problem for employers filing For…
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Nancy Giacolone is a seasoned insurance broker with over 30 years of experience in the industry. As the President of Olympic Crest Insurance, she specializes in providing health insurance solutions for small businesses. As a certified Health Rosetta Benefits Associate Advisor, Nancy is committed to providing her clients with exceptional service and…
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In this episode, Suzanne Spradley and Chase Cannon have a look at the national debt and debt ceiling and how they impact employers and their group health plans. Suzanne leads off with a discussion on the national debt and how Congress sets the debt ceiling. Suzanne and Chase go in depth on what a failure to raise the debt ceiling and/or default on …
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Al Kushner is a recognized Financial Educator, Author, Speaker, Retirement Specialist, and the Founder of Superior Mutual Inc. He specializes in Medicare plans and represents national and regional carriers. Today, he joins Mike today to talk about Medicare. They highlight the most common mistakes made by individuals during the Medicare sign-up proc…
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In this episode, Chase Cannon and Suzanne Spradley review several recent HIPAA violation settlements from the HHS Office for Civil Rights. Chase starts off by reviewing the general HIPAA obligations of fully and self-insured plans, including the importance of a HIPAA risk assessment. Chase and Suzanne discuss three real-life scenarios outlining way…
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Todd Archer is the President of Concierge Third Party Administrator, a company recognized as one of the nation’s premier industry leaders in third-party administration of self-funded health benefit plans for employer groups of all sizes. With over 35 years of experience, Todd has a proven track record in the field of health benefits third-party adm…
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In this episode, Suzanne Spradley and Chase Cannon discuss a recent Texas court ruling that invalidates a portion of the ACA’s preventive services coverage requirement. Suzanne provides a background of the plaintiffs and their arguments, including a Constitutional problem with the way the government appointed officers under the ACA and a religious …
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Stacy Barrow is a Partner at Barrow Weatherhead Lent LLP, and one of the nation’s leading experts on the Affordable Care Act. He uses a practical, business-focused approach to counsel his clients on all matters related to employee benefit plans. Today, Stacy and Mike discuss the complexities of mergers and acquisitions, particularly how two groups …
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In this episode, Sarah Carlins and Spencer Hamer discuss employment law and the health care sector. They review highlights from 2022, as well as developments that will impact employment law and the health care sector in 2023, including vaccine mandates, telehealth regulations, pay equity, and health care staffing regulations.…
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In this episode of Triage, Andrew Ruskin, Darlene Davis, and Gabriel Scott discuss key provisions associated with conversion to CMS’s new rural emergency hospital provider type. They review the purpose of the new provider type, considerations and requirements for converting, as well as the benefits and drawbacks of a transition to a rural emergency…
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Dr. Josh Umbehr is a board-certified family practice physician and the Founder and Owner of Atlas MD, a membership-based direct primary care practice company providing family healthcare that is immediate, thorough, comprehensive, specific, easily affordable, and personal. Today, Dr. Josh and Mike discuss how the U.S. healthcare system is broken and…
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In this episode, Chase Cannon and Suzanne Spradley address recent IRS guidance that mandates electronic filing of certain tax forms – including Forms 1095-C – for smaller employers. Chase describes the background from Congress and the IRS and explains what it means now that any employer filing 10 or more forms (previously, this was 250) will be req…
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Kyle Estep is the Vice President of Growth at Take Command Health, a company offering an end-to-end Individual Coverage Health Reimbursement Arrangement (ICHRA) platform solution for employers adopting the new individual coverage reimbursement model of employee benefits. In this episode, Mike and Kyle discuss the health care policy landscape, the i…
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In this episode, Suzanne Spradley and Chase Cannon discuss potential activity at the federal and state level relating to PBM transparency. Suzanne begins the discussion by outlining a few proposals from Congress that attempt to hold PBMs accountable for unfair and deceptive practices that may be driving up prescription drug costs. Suzanne then addr…
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Mike Martens explains voluntary disruption today. This important concept is about enabling employees to pick the health insurance they prefer with payroll deduction benefits. Between 2020 and 2022, businesses offering ICHRA escalated by three and a half times. In order to take full advantage of ICHRA (Individual Coverage Health Reimbursement Arrang…
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In this episode, Beth Allen and Chase Cannon look at several new developments for plan compliance in 2023. The two start with the recent announcement on the end of the COVID-19 public health emergency, which impacts the outbreak period and extension of timeframes for certain compliance deadlines. Chase then dives in on the CAA 2023 extension of rel…
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Janet Trautwein is the Chief Executive Officer of the National Association of Benefits and Insurance Professionals and President of the National Association of Benefits and Insurance Professionals Foundation in Washington, D.C. Janet is a highly saught-after speaker who focuses on health insurance markets, the uninsured, risk pooling, and tax issue…
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In this episode, Norman Acker, Nora Becerra, and Katherine Rippey discuss the False Claims Act as it relates to Stark Law and the Anti-Kickback Statute. They analyze the Wheeling Hospital case and the Catholic Medical Center case and discuss key takeaways from the cases as they relate to the False Claims Act.…
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In this episode, Suzanne Spradley and Chase Cannon highlight several areas of healthcare policy and compliance that will be on center stage in 2023. Suzanne starts with a discussion of transparency in healthcare and prescription drug costs, including several compliance requirements that will take effect in 2023. Suzanne and Chase discuss state comp…
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In this episode Victoria Hamscho, Andrew Ruskin, and Leah Richardson provide an update on key developments to the 340B Program. They discuss the effects of the Supreme Court’s decision earlier this year overturning 340B hospital reimbursement cuts, the agency’s proposed rule with respect to hospital outpatient reimbursement, and some considerations…
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Danny Creed is a certified business executive, sales coach, and bestselling author. He is the seven-time winner of the Brian Tracy Award for Sales Excellence. Danny is also a celebrity coach and the founder of the Danny Creed Group. This episode is about The benefits of using the DISC system in various areas of life. Danny Creed learned about The b…
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David Smith is the president and chief revenue officer of Ilumivu. Ilumivu is a company that was founded in 2009 that provides technology and research for wearable devices. These devices are used to help people with things such as mindfulness, meditation, and behavioral and mental health. David Smith has led sales at Fortune 5 companies (Optum/Unit…
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In this episode, Gina Bertolini and Stephen Page discuss the most recent Information Blocking Rule compliance deadline. Using a recent letter from several health care providers and other stakeholders to the Office of the National Coordinator for Health IT (ONC) that outlines concerns related to the Information Blocking regulations, Gina and Stephen…
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When you work with an employer or group that has 50 or more employees, at some point, you will need to understand the process of responding to IRS notifications - a process that Elizabeth Raggio walks us through in this episode. In this episode you will learn: Elizabeth Raggio is a compliance attorney with the ETC company. She has been with ETC sin…
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In this episode, Darlene Davis, Andrew Ruskin, and Lauren Norris Donahue review data that is now available in light of the hospital price transparency rule. They discuss the recent increase in compliance among hospitals, benefits of hospital price transparency data, antitrust considerations, and suggestions for hospitals to implement guidelines for…
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In this episode, Suzanne Spradley and Chase Cannon discuss several recent COBRA cases. Suzanne starts by outlining several class action lawsuits filed against employers and plan sponsors relating to deficiencies in an employer health plan’s COBRA election notice. Suzanne and Chase discuss the use of the DOL’s Model Election Notice and how that usag…
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In this episode, Mike Martens welcomes Eric Silverman, one of the most innovative and influential brokers in the industry today. Eric explains the right terms applicable to enhanced benefits, which are usually provided for by the company to their employers. As an expert on employer-funded benefits, Eric shares his insights on the difference between…
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In this episode, Chase Cannon and Suzanne Spradley discuss three recent court rulings—all at the district court level. Chase outlines the first case relating to a COBRA election notice failure, including takeaways for employers to enhance their notice distribution procedures. Chase and Suzanne dive into an ACA-related case challenging gender-affirm…
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Stephen Dean co-founded Keona Health to simplify the tedious process that providers have to go through with healthcare technology. With his background in information technology, Stephen and his co-founders came up with a systematic customer relationship software built for healthcare. In this episode, Mike and Stephen discuss the major disconnect in…
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Janet Trautwein is the Chief Executive Officer of the National Association of Health Underwriters (NAHU). Also serving as the president of the NAHU Education Fund in Washington DC, she oversees the activities affiliated with employee benefits programs in the design, implementation and management of health plans. Janet shares details about the NAHU’…
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In this episode, Suzanne Spradley and Chase Cannon walk through recent activity in the House and Senate relating to several new laws under consideration on coverage of mental health services. Suzanne starts by reviewing some potential changes relating to Medicare coverage of mental health services, such as required behavioral health monitoring for …
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In this episode, Rebecca Schaefer and Michael Hinckle review some types of hospital and health system activities that could trigger FDA regulatory oversight. They discuss the FDA’s jurisdiction over IRB’s in medical device clinical trials, sponsor obligations for investigator-initiated studies, and compliance for expanded access INDs and for GMPs i…
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The pandemic has seen a global spike for solutions to address mental health issues. Whether the issues stem from personal or work-related causes, solutions need to be accessible for people and organizations that need them most. In this episode, Mike welcomes John Troutman, the National Marketing Director for Mazzitti and Sullivan EAP Services. They…
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In this episode, Chase Cannon and Suzanne Spradley discuss the benefits provisions of the recently-enacted Inflation Reduction Act. Chase walks through the extension of premium tax credit expansions through 2025, and the impact on employers with respect to the employer mandate penalties. Next, Chase and Suzanne discuss Medicare prescription drug co…
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In this episode, Rebecca Schaefer and J.D. Koesters review key components of the recent National Institute of Standards and Technology (NIST) revised publication regarding cybersecurity. They highlight how this resource incorporates NIST security lessons from other industries and maps the guidance to compliance requirements under the HIPAA Security…
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In this episode, Andrew Ruskin, Leah Richardson, and Victoria Hamscho analyze the U.S. Court of Appeals for the Fourth Circuit’s recent decision in Genesis Healthcare v. Becerra. They discuss its potential impact on the Health Resources and Services Administration’s definition of a 340B eligible patient in light of recent developments in the 340B P…
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The pandemic brought devastating challenges to many industries and individuals. For Danny Creed and his clients, the last two years brought an opportunity for growth. As a professional and certified business and executive coach, Danny encourages his clients to bear a positive mindset and maintain an enthusiastic attitude in any phase and facet in t…
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Jay Rodney is the co-founder and CEO of RTO Benefits LLC. The company specializes in developing custom solutions, compliance documents, and nondiscrimination testing for their clients in all markets. Jay explains how his company streamlines the tedious process and crucial documentation that employers have to go through for their extensive and inclu…
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How long does the IRS notify companies about possible penalties? ETC Companies Director of Sales Matt Scott knows the timeline and the exact ways to prevent and reduce them. Serving clients in Houston, Texas and beyond, ETC Companies assists employers in their ACA IRS filing. While the IRS’ response can lead up to two years from the filing date, ev…
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In this episode, Chase Cannon and Suzanne Spradley recap the past few weeks’ guidance relating to Post-Dobbs considerations on employer coverage and reimbursement of abortion-related services. Chase starts by comparing the approaches of two different states – Texas and New Jersey – with respect to the legality of abortion services. New laws and dev…
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Mike Martens has spent the last 37 years of his life gaining knowledge and enhancing his expertise in the health and insurance industry. As a way of giving back for the success he achieved and the opportunities he received, he is launching the Business of Health Podcast. This show aims to become a resource for insurance advisers and companies to ge…
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In this episode, Gabriel Scott and Darlene Davis analyze the private payor rates reporting requirements under the Protecting Access to Medicare Act. They discuss the type of entities required to report, potential penalties for failing to report, and provide some suggestions for how to initiate the reporting process.…
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In this episode, Suzanne Spradley and Patrick Myers discuss recent guidance concerning the interaction between FMLA and mental health conditions. Suzanne provides some context for this guidance and a brief refresher on FMLA itself. Suzanne and Patrick then discuss how mental health conditions can apply in a FMLA context, including when a mental hea…
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In this episode, Suzanne Spradley and Chase Cannon discuss hospital prices and their impact on employer group health plans. Suzanne describes this issue as it relates to the new transparency in coverage rules. Suzanne and Chase review a recent study that reviews hospital prices nationwide, including Medicare-certified, short-stay and other facility…
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In this episode, Chase Cannon and Suzanne Spradley look at the recent rise in so-called “point solution programs.” These add-on programs enhance or expand on a group health plan offering and have benefits such as mental health, musculoskeletal, life coaching and fertility. Chase explains some of the compliance challenges that arise from offering th…
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In this episode, Suzanne Spradley and Chase Cannon update us on employer compliance obligations under the Transparency in Coverage (TIC) rules. Suzanne begins with an overview of the TIC rules and how they are meant to address consumerism and rising health care costs. Suzanne and Chase then hone in on the actual requirements, including posting of p…
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In this episode, Myla Reizen, John Lawrence, and Bobby Higdon analyze the increase in governmental scrutiny around laboratory investigations and enforcement. They discuss the Eliminating Kickbacks Recovery Act (EKRA), trends in enforcement surrounding Operation Double Helix, guidance for medical labs, and the importance of outside counsel for compl…
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