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HM Risk is an insurance consulting firm with over 125 employees located in St. Louis, MO. We specialize in property/casualty, employee benefits, and personal insurance. In our "Risky Business" podcast, we will cover interesting topics related to risk management, providing useful information from knowledgeable guests with a light and entertaining format. Hosted by Richard Schuessler from HM's Property and Casualty team and Kath Welply from HM's Employee Benefits team.
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PointHealthTech Podcast

Matthew Dale, Steven Cutbirth

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The point of healthcare is to make people's lives better, not worse; but somewhere along the way, American medicine lost sight of its purpose. The PointHealthTech podcast brings experts together to share their takes on the current healthcare system and ways we can transform it for the better. So, stick around and listen as we discuss the problems and solutions to healthcare; you might just be surprised at the glaring issues and the promising fixes our guests and hosts point out.
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For the finale of season two, we sat down with Dr. Chris Larson and Dr. April Calderon of Euphora Health, a direct primary care practice in Austin, TX. After witnessing the deleterious effects of modern medical practice on relatives and loved ones, they decided to launch Euphora Health to practice medicine in an alternative fashion. Together, this …
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We were joined by Kathleen Carberry, Assistant Professor at the Dell Medical School and Outcomes Program Officer at the Value Institute for Health and Care. She has been a registered nurse for 20 years and was the founder and director of the Texas Children’s Hospital Outcomes & Impact Service that was dedicated to helping patients, families, and cl…
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Our host, Steven Cutbirth, sat down with Dr. Michael Richards, a healthcare economist and Associate Professor at Baylor University, who has published significant research on rising healthcare costs. They discuss the effects of consolidation on healthcare costs, healthcare insurance models, supply-side dimensions of the healthcare sector, and health…
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This episode features Payal Agrawal Divakaran, a partner at .406 Ventures, who co-leads Digital Health investing activity. Prior to joining .406, Payal was at Harvard Business School, where she co-founded a company called SpotRocket in the job recruiting software space.Steven, Mark, and Payal had a great discussion on her thesis for digital health …
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Our hosts this episode, Steven Cutbirth and Doug Bain, sat down with Carl Schuessler, co-founder and managing principal of Mitigate Partners. Carl has more than 30 years of experience in benefits consulting and financial services, and even pioneered the fiduciary approach to benefits advisory services. So obviously, we walked away from this episode…
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In this episode, we discuss how complacency led to expensive healthcare and why transparency is the way out. AnnMargaret McCraw, CEO at Midlands Orthopaedics & Neurosurgery, joins us to share her experience as an ASC leader in price transparency and an innovator in bundled pricing. Our hosts discuss several topics with AnnMargaret, including how th…
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Steven Cutbirth and Josie Livengood sat down with Chris Habig, CEO and co-founder of Freedom Healthworks, a company that has vowed to put doctors and patients in charge of everyday healthcare.In this conversation, Chris explains how Direct Primary Care (DPC) works (and Freedom Healthworks unique model of DPC), how the economic system in status quo …
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In today’s episode we talk with Deb Gordon, author of “The Health Care Consumer’s Manifesto.” Deb is a former health plan executive, an Aspen Institute Health Innovators Fellow, and a former Senior Fellow at the Harvard Kennedy School. In this episode, we discussed Deb’s travels to Australia, New Zealand, and Singapore to explore the role of consum…
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Steven Cutbirth sat down with Taylor Rogers, a benefits expert and co-founder of Cairn Advisors, a partnership that guides employers through alternative health and welfare program design. Taylor helps businesses know and understand where their healthcare benefit money is going. From there, he helps them fix it the right way.In the conversation, the…
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In today’s episode, we talk with Dr. Elizabeth Teisberg, co-creator of the concept of value-based health care delivery and executive director of the Value Institute for Health and Care at the University of Texas, and his former professor! She discusses how she and Dr. Michael E. Porter developed the concept of value-based care, why she believes it’…
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We’re excited to share this special edition episode to kick off our second season! Our guest was Dr. Tony Dale, founder and Chairman of The Karis Group and Sedera. Tony has directly impacted the lives of millions of patients seeking the best possible care at fair and affordable prices. In the conversation, we discussed his career and dove into his …
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This is a special episode in collaboration with Accountable Care Learning Collaborative’s podcast, Race to Value. Our host, Steven, is joined by Eric Weaver of ACLC in leading a discussion with Dr. Keith Smith and Sean Kelley. Keith is the co-founder and medical director of Surgery Center of Oklahoma and an outspoken advocate for broader price tran…
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Marshall Allen is a ProPublica healthcare journalist digging deep into why Americans pay so much for healthcare, yet get so little in return. Marshall joined us to discuss the complicated topic of healthcare billing and his brand new book, “Never Pay the First Bill: and Other Ways to Fight the Health Care System and Win.”…
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In this episode, Steven is joined by three of PointHealthTech’s very own patient advocates, Alejandra Vineski, Justine Hearn, and Patrick Gaul to discuss the important role patient advocates play in helping navigate the stressful burdens that can often come with healthcare. In the conversation they share impactful stories from patient’s they’ve sup…
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Jennifer Lannon is a super connector in the digital health world, the business development lead of Savvy Cooperative, and a health tech entrepreneur. She is the co-founder of Freeze.Health, an informational platform that helps women decide if, when, and where to freeze their eggs. She’s also this episode’s special guest! She joined us to discuss wh…
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To round out Women’s History Month, we wanted to use our 10th episode to host a very special roundtable discussion with a few of the amazing women at PointHealthTech. Our host for this episode, Josie Rasberry, sat down with our Senior Director Client Services, Teresa Heinitz, Director of Operations, Haden Marrs, Director of Engineering, Rose Hogan,…
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To help us answer the question, “why is it so hard to understand healthcare?” we invited Jenny Aghamalian, Vice President, Public Affairs and Strategy at Sedera, to join this episode. We discuss what factors contribute to the complexity of healthcare, how healthcare sharing communities work, and why so many Americans have health insurance but still…
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One of our favorite healthcare podcasts is “An Arm and a Leg Show”, so we were pretty stoked when host Dan Weissmann agreed to join us on an episode of our podcast. In this episode, we discuss healthcare affordability, the complexities of patient consumerism, and why healthcare stories hit us all so personally.…
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In this episode, Niall Brennan discusses his experiences as the first Chief Data Officer for CMS, his current role as President and CEO of the Health Care Cost Institute, and why private sectors, insurance silos, and consolidation have made U.S. healthcare so unaffordable. Niall also discusses the issues of price transparency being pushed as a cons…
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Dr. Nick van Terheyden joined us to discuss his experiences in the early days of healthcare technology, the need for systemic change in U.S. healthcare, and his incremental approach to healthcare transformation.Dr. Nick brings a distinctive blend of medical practitioner and business strategist to the realm of digital healthcare technology. After se…
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Dr. Bonnie Clipper, Chief Clinical Officer at Wambi, joined us to discuss her work at Wambi and her experiences in healthcare innovation.In this episode, we discuss the importance of collecting positive feedback to encourage healthcare professionals and prevent burnout. We also talk about the importance of patients controlling their healthcare expe…
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In this episode, Shakil Haroon, founder and CEO of MPIRICA, joins us to discuss why quality, affordable healthcare is hard to find (Hint: It was designed to be this way.)Shakil explains that hospitals have no interest in making quality data available because specialties with poor quality scores would lose revenue. With this in mind, Shakil created …
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In episode three of the PointHealthTech Podcast, Jan Oldenburg joins us to discuss the misalignment of goals between key healthcare players, why it’s so difficult to make rational decisions in healthcare, and how we can understand the goals of the person, not just the goals of the system. When we asked Jan why it’s difficult to find quality, afford…
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Here at PointHealthTech, we are focused on making healthcare easy to find, easy to understand, and easier to afford. To start season 1, we focus on “finding” care by speaking with David Balat, Director of the Right on Healthcare initiative at the Texas Public Policy Foundation. He discusses how price transparency will change the face of healthcare …
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