Shows
Tuesday Morning With Justin: Healthcare, Leadership & LifeThe Healthcare Quarterback: Putting Your Benefit Puzzle TogetherSend us a textListener Question: "What do you actually do?" Ever wondered what a benefit advisor actually does? It's a question that prompted Justin Futrell to peel back the curtain on his role at True North Companies in this enlightening episode.While placing health insurance represents the foundation of Justin's work—accounting for roughly 80% of his focus to match the proportion of employee benefits spending—the real value comes through strategic customization. "Candidly, you could spend a hundred bucks, study a few hours and pass the test to be able to sell healt...2025-07-0905 minTuesday Morning With Justin: Healthcare, Leadership & LifeFrom Dorm Room Pizzas to Billion-Dollar Health Insurance CompaniesSend us a textEver wonder why healthcare costs keep climbing despite supposed regulations? The answer lies in a surprising insight I gained from running a pizza business in my college dorm room.At Cornell College, my friends and I sold $2 frozen pizzas for $5 (eventually $8) – a 75% profit margin we could maintain solely because we had no competition. This simple business lesson reveals the troubling mechanics behind our healthcare system, where major insurance companies have accumulated a staggering $371 billion in profits since 2010.The system operates on a counterintuitive principle: while insurers face a 15% cap on...2025-07-0205 minTuesday Morning With Justin: Healthcare, Leadership & LifeMedical Tourism: A Global Health Cost ComparisonSend us a textCould you get the same medical procedure for less than half the price by boarding a plane? For millions of Americans facing staggering healthcare costs, medical tourism has become more than just a curiosity – it's becoming a financial necessity.The story of 28-year-old Brianna Williams highlights this growing trend perfectly. Despite having comprehensive employer-provided health insurance, she discovered her IVF treatments would cost approximately $25,000 out-of-pocket in the United States. Her solution? Traveling to Mexico, where the same procedures cost just $7,500 – a 70% savings that made starting her family financially possible without taking on m...2025-06-2406 minTuesday Morning With Justin: Healthcare, Leadership & LifeBreaking Down Your Employer's Healthcare Responsibilities: A Fiduciary Deep DiveSend us a textStepping into the often overlooked yet critically important realm of employer responsibilities, today's episode tackles the concept of fiduciary duty in employee health plans. What begins as an admittedly dry-sounding legal term quickly unfolds into a fascinating exploration of how your healthcare decisions are made—and who's accountable when things go wrong.Did you know your employer has a legal obligation to act in your best interest when selecting and managing your health benefits? The landscape of fiduciary responsibility dramatically changed with the CARES Act, which heightened consequences for employers who fa...2025-06-1005 minTuesday Morning With Justin: Healthcare, Leadership & LifeJP Morgan's Fiduciary FailureSend us a textJP Morgan Chase faces a lawsuit from an employee claiming the company failed its fiduciary duty by maintaining a pharmacy benefit manager relationship that forces employees to pay inflated prices for medications. The case highlights how PBMs can create massive price disparities, with one medication costing $8,000 through the plan versus just $30 at retail pharmacies.• Employees diagnosed with conditions requiring expensive medications are being harmed by non-transparent PBM relationships• The medical process follows SOAP (Subjective, Objective, Assessment, Plan) but breaks down at the pharmacy level• Price differences can be extreme - up t...2025-04-3006 minTuesday Morning With Justin: Healthcare, Leadership & LifeUnveiling the True Price Tags Behind Common Medical ProceduresSend us a textShocked doesn't begin to describe our reaction when we discovered the true cost of common medical procedures. After attending an eye-opening Free Market Medical Association event in Omaha, we're pulling back the curtain on healthcare's most closely guarded secret: the massive gap between what procedures actually cost and what patients are billed.Would you believe that your $200 comprehensive metabolic panel actually costs just $2.58 to produce? Or that the MRI you were billed $4,000 for costs independent imaging clinics only $425 to perform? The disparities don't stop there – colonoscopies priced at up to $10,000 are av...2025-04-0103 minTuesday Morning With Justin: Healthcare, Leadership & Life$100,000 Knee Replacement for "Poor Quality"Send us a textI'm frustrated by a recent $100,000 bill my client received for a knee replacement performed at a low-quality facility. I can't help but question how we've normalized this level of waste in our healthcare system. This egregious example highlights everything wrong with healthcare today—the only industry where we blindly follow recommendations without any information about quality or cost.But there's hope on the horizon. Progressive companies across America are creating a revolutionary healthcare experience for their employees. Picture a fork in the road: one path leads to the familiar landscape of de...2025-03-2704 minTuesday Morning With Justin: Healthcare, Leadership & LifeQuestion Time: More on Direct Primary CareSend us a textDirect Primary Care offers quality healthcare that's accessible, personalized, and often more affordable than traditional medical practices. Justin Futrell shares insights on this alternative healthcare model and answers common questions from listeners about how it works and why it's gaining popularity.• DPC physicians prioritize patient care over paperwork, creating flexible solutions like Justin's experience getting a throat swab between appointments• Most DPC providers have networks of specialists who also offer reasonable cash prices for patients• Cash pay prices can be significantly lower than insurance rates – Justin's example showed a $2,200 MRI thro...2025-03-1805 minTuesday Morning With Justin: Healthcare, Leadership & LifeTransforming Patient Care: The Rise of Direct Primary CareSend us a textDirect primary care is revolutionizing the way we think about healthcare, emphasizing quality and accessibility. Justin discusses the benefits of the membership model and the recent legislative support that could expand access to this model.• Direct primary care centers the patient-physician relationship • Emphasis on quality care over quantity • New legislation could allow HSAs to fund membership fees If you enjoyed the show, please subscribe and leave a five-star review! Questions? Just ask!Music by Alex Lambert.Contact Ju...2025-03-0607 minTuesday Morning With Justin: Healthcare, Leadership & LifeManaging Risks: Curling Irons to Cancer ScreeningsSend us a textThis episode explores the intricate connection between risk and cost in healthcare, emphasizing how managing risks can lead to significant long-term savings. Through relatable anecdotes and thorough analysis, we highlight the impact of preventative care and the costs associated with neglecting health screenings. • Discusses the relationship between risk and cost in healthcare • Uses an analogy involving a curling iron to explain risks • Differentiates between controllable and uncontrollable health risks • Examines alarming compliance data regarding preventative screenings • Highlights the consequences of late cancer diagnoses • Analyzes the financial implications assoc...2025-02-1805 minTuesday Morning With Justin: Healthcare, Leadership & LifeUnmasking a Healthcare Scandal: Aetna vs. Radiology Partners 💼⚖️ & Savvy Imaging Choices! 🏥💡Send us a textAetna's lawsuit against Radiology Partners sheds light on excessive billing practices in the medical imaging industry, revealing the importance of choosing independent clinics for better pricing and quality. This episode explores the implications for patients and encourages informed choices in their healthcare decisions. • Aetna's legal action against Radiology Partners for fraudulent billing practices • Exploration of the historical context of Radiology Partners' operations • The financial impact on consumers and the importance of independent imaging centers • Recommendations for choosing where to get medical imaging • Insight into healthcare transparency and the need for consum...2025-02-1105 minTuesday Morning With Justin: Healthcare, Leadership & LifeUnlocking Savings with International Mail-Order Prescriptions 🌍💊Send us a textCan international mail-order prescriptions transform how we handle healthcare costs? Discover the untapped potential of sourcing medications from countries like Canada and Mexico as we explore an emerging trend that’s gaining momentum. Join me, Justin Futrell, your benefit advisor from True North Companies, in this eye-opening episode where we unpack the financial and legal incentives of international pharmacy options. You’ll hear how companies can dramatically slash their pharmacy expenses while offering employees a hassle-free way to save on prescriptions.Hear the compelling case of a manufacturing firm that reduced its...2025-02-0703 minTuesday Morning With Justin: Healthcare, Leadership & LifeThe latest on UnitedHealth & BlueCrossSend us a textHere’s the latest on UHC & Elevance Health (BlueCross). UHC commits to pass through pricing with Optum RX by end of 2028. Who is your Pharmacy Benefit Manager? Optum RX is a profit puppy for UnitedHealth. Are you confident they are helping you get the highest value outcome?Updates on quarterly earnings report from Elevance (BlueCross) as well. Want to find out if your company is overspending on healthcare? Music by Alex Lambert.Contact Justin via text 740-525-5259 or via email J...2025-01-2805 minTuesday Morning With Justin: Healthcare, Leadership & LifeRefresher on HSAs & FSAsSend us a textHere is your quick refresher if you have a Health Savings Account or Flexible Spending Account. Which one is your money indefinitely? HSA. Which one is “use it or lose it”? FSA. If you have an FSA you likely have a grace period through March to use your funds. When in doubt go to FSAstore.com to find eligible purchases. Think of it like the Amazon of IRS eligible items. Music by Alex Lambert.Contact Justin via text 740-525-5259 or v...2025-01-1403 min
Office Hours with David MeltzerDr. Talal H. Alsaleem, Justin Futrell, Allison MaslanDr. Talal H. AlsaleemDr. Talal H. Alsaleem, recognized as the father of modern infidelity counseling, is the creator of Systematic Affair Recovery Therapy (SART)™, the first evidence-based modality tailored for affair recovery. As the founder of The Infidelity Counseling Center, he has guided countless couples through the challenges of betrayal and healing. An acclaimed author, Dr. Alsaleem's books, Infidelity: The Best Worst Thing That Could Happen to Your Marriage and Unfaithful & Unrepentant: Affairs Beyond the Hope of Repair, offer groundbreaking insights into navigating infidelity and its aftermath. As an international lecturer and speaker, he equips therapists wo...2024-11-2736 minTuesday Morning With Justin: Healthcare, Leadership & LifeHealthcare Insurance Companies & Stock Prices 📈Send us a textWhen you learn about a problem, what do you do next? Likely identify “who is involved?” The US Healthcare system is a problem. It’s costly for you and me (the users of healthcare). It’s costly for our employers (who generally pay 70% of premium). Who are the winners?Today I want to focus our attention on insurance companies. They are just one of the pieces to the puzzle of our healthcare. The question I want to reflect on today is “How have things changed since Jan 1, 2010 as we think about...2024-11-2605 minTuesday Morning With Justin: Healthcare, Leadership & Life🚨 Clean Water 💧 Fundraiser - Walk for WaterSend us a textSaturday November 16 is Justin’s 7th annual fundraiser for clean water. Want to participate?1) Walk for Water - Nov 16, wherever you are in the world 🌍, walk 1 mile with an empty bucket, then 1 more mile with a bucket full of water. “Put yourself in someone else’s shoes”👟 Tag @TanzaniaWaterFund and #WalkforWater on social media. 2) Do pull-ups - “Pull-ups are hard, it’s also hard to live without access to clean water.” Help us raise awareness! #PullupsforTanzania3) Donate - Every $30 brings another family clean water. 💧 https://tanzaniawaterfund.org/donat...2024-11-1204 minTuesday Morning With Justin: Healthcare, Leadership & LifeJustin's Interview on the "Healthy Savings Podcast"Send us a textIn this conversation with Justin Futrell, a self-funded benefits advisor at True North Companies, we explore how innovative strategies in healthcare can drive down costs and improve outcomes. Justin shares real-world examples of how employers are transforming their healthcare offerings by leveraging data, direct contracting, and creative incentives. From reducing gaps in care to finding more affordable treatment options, these practical solutions empower both employers and employees. Listeners will gain actionable takeaways on how to create a more cost-effective and impactful healthcare plan. Whether you're a business leader looking to save m...2024-11-0744 minTuesday Morning With Justin: Healthcare, Leadership & LifeDownward Spiral of Walgreens & CVS Pharmacy 🏬Send us a textWalgreens plans to close 1,200 stores over the next 3 years. Meanwhile, CVS Pharmacy is laying off an additional 2,900 employees after having already closed 600 stores since 2022. What is happening?For too long, these pharmacy chains thrived off the hidden games that happen behind the scenes. For example, taking advantage of spread pricing and rebate games. Employers who are still partnered with CVS Caremark, OptumRX, and Express Scripts deserve answers. Including, why has my broker not helped me understand the benefit of a transparent PBM? Maybe because brokers are getting bi...2024-10-2903 minTuesday Morning With Justin: Healthcare, Leadership & Life1 Drug 💊 Costs More than Healthcare Costs for 100 people 😳Send us a textGenerally, I like to bring a problem in a solution to the table. To help people understand how to eliminate waste in the healthcare system. Today, I just needed to be completely authentic and share how frustrating and challenging it is for midmarket employers in our current healthcare system. Music by Alex Lambert.Contact Justin via text 740-525-5259 or via email JFutrell@TrueNorthCompanies.comI welcome the opportunity to hear your feedback from this episode!Thanks again to m...2024-10-2303 minTuesday Morning With Justin: Healthcare, Leadership & LifeDisrupt the Healthcare System with Cash Pay 💰Send us a textHave you ever seen waste in the US healthcare system? Me too. Thats why I love BowTie. They are negotiating cash prices on behalf of employees when they need care AND THEN rewarding them with little to no out of pocket expenses. This is a great way to cut fat out of the healthcare system without overburdening an HR team!!Learn more about BowTie Medical here. Homepage (bowtiemedical.com)Music by Alex Lambert.Contact Justin via text 740-525-5259 or via em...2024-10-1503 min
Healthy Savings, by miluHealthcare and Social Impact, with Justin FutrellIn this conversation with Justin Futrell, a self-funded benefits advisor at True North Companies, we explore how innovative strategies in healthcare can drive down costs and improve outcomes. Justin shares real-world examples of how employers are transforming their healthcare offerings by leveraging data, direct contracting, and creative incentives. From reducing gaps in care to finding more affordable treatment options, these practical solutions empower both employers and employees.
Listeners will gain actionable takeaways on how to create a more cost-effective and impactful healthcare plan. Whether you're a business leader looking to save millions or simply...2024-10-0343 min
Mickey Zizzy PodcastMickey Zizzy Podcast S4 E24: CFB - NFL - TANZANIAPULL UPS FOR TANZANIA!! The podcast reflects on a great campaign as our good friend Justin Futrell does it again. Go to TanzaniaWaterFund.org to donate! The podcast talks about college football! Then after a week and a shaved beard they come back to talk about the recent NFL Hot Topics. Go check it out in YouTube!2023-11-3044 minOffice Hours with David MeltzerMeredith Bell, Justin Futrell, Shawn AnthonyMeredith BellShe is co-founder and President of Performance Support Systems. Her company publishes books and software tools that help companies grow strong leaders and teams by improving the way they connect with each other. She is also the host of the popular Grow Strong Leaders podcast, which Blaine has been on and David will be going on. She’s published 125 episodes featuring “business leaders who are committed to their own growth and the development of their people”Justin FutrellHe is also known as the Pull-Up Guy, after he did 1...2023-11-0449 min
Mission Matters Money with Adam TorresJustin Futrell Shares the Importance of Clean Water and Health Benefits ConsultingJustin Futrell, CSFS, Benefits Advisor at TrueNorth Companies, was interviewed by Adam Torres on Mission Matters Money Podcast. Justin Futrell talks with Mission Matters about his clean water initiatives for Tanzania, along with his efforts to introduce higher-quality healthcare benefits to the workplace. Follow Adam on Instagram at https://www.instagram.com/askadamtorres/ for up to date information on book releases and tour schedule.Apply to be interviewed by Adam on our podcast:https://missionmatters.lpages.co/podcastguest/Visit our website:https://missionmatters.com/More FREE content from Mi...2022-03-0247 minMickey Zizzy PodcastMickey Zizzy Podcast S2 E25: Justin Futrell SpecialJustin Futrell the Founder of the Tanzania Water Fund joins the podcast. Listen on why you should do pull ups or donate just $6! As the biggest Water Fund Podcast we had to talk with Justin and how this foundation changes lives, Hit the link to listen to one of the most inspiring episodes to date. LETS GO!2021-11-1540 min