Shows
Self-FundedWhy "Co-opetition" Is The Future Of Healthcare | with Dutch Rojas“I think the next stage of American capitalism includes co-opetition." - Dutch RojasOn the last episode of Self-Funded with Spencer in 2025, Dutch Rojas joins the show to expose the financial "arbitrage" that he believes is destroying independent medical practices in America. Dutch explains how current CMS incentives allow hospitals to buy independent clinics and immediately charge 165% more for the exact same services, which is a practice that is crushing employers and patients alike.In this episode, Dutch lays out his bold vision for "Co-opetition”, a new playbook where inde...
2025-12-231h 08
Self-FundedHigh Healthcare Deductibles Are A Failed Experiment"If we can remove the cost barrier, folks are going to engage more because it's not standing in the way of going to get the care that they need or even preventive care." - Trey SmithHigh healthcare deductibles were sold to employers as a way to create better "consumers" of healthcare. My guest this week, Trey Smith of Hub International, argues that they've been a failed experiment that has done more harm than good. Instead of creating smarter shoppers, high deductibles have become a massive barrier to care, causing employees to delay or...
2025-09-301h 18
Self-FundedUS Healthcare Desperately Needs To Be A Free Market | with Dean Jargo“That's the great thing about upfront, all inclusive, transparent specialty care is you eliminate all of that, right? You purchase the service, you never see another bill from it again. You're done." - Dean JargoDean Jargo, CEO of Fair Market Health, joined me this week to share why US healthcare desperately needs to be a fair market. We talked about what that means and why it requires us to construct a new healthcare ecosystem, how it enables patients to actually receive better care at a lower price point, and...
2025-05-2054 min
Self-FundedHelping Each Other Through Mental Health Struggles | with Sims Tillirson“I want other people to know that, like, there's nothing wrong with you. If you have mental health issues, there's help for you and there's life on the other side." - Sims TillirsonThis is the second part of my conversation with Sims Tillirson, the first of which released this Tuesday. In this episode, we focused on Sims’ openness about his mental health issues on LinkedIn, his struggle to get off of antidepressants, and destigmatizing conversations about mental health, especially among men. Sims also shared some tips for men who have friends struggling mentally, and...
2025-05-0923 min
Self-FundedThe Four Pillars of the Perfect LinkedIn Strategy | with Sims Tillirson“If you've shied away from showing who you are because you fear that you'll lose sales: people that would not like the authentic version of you are not going to be good customers of you anyway. Put yourself out there, disqualify the people that don't like the real you, and create a bunch of raving fans for yourself." - Sims TillirsonI would honestly be surprised if you listen to this show and haven’t heard of Sims Tillirson; he has one of the best social media presences of anyone in the benefits industry, and...
2025-05-0648 min
Self-FundedA Fitness And Diet App For Employee Wellness | with Chris Burgess"Automating those healthy habits is essential." - Chris BurgessChris Burgess is the creator of the app Affili-Fit, which creates custom workout and diet plans for its users. We talked about what led him to create this app, how it sets itself apart in that market, and how he’s working with employers to use the app for employee wellness programs. Chris never intended to start an app, and he shares what the experience has been like from initial idea, to taking on investment, and now expanding in different mar...
2025-04-291h 11
Self-FundedHR's Role In M&A: Due Diligence, Culture, and Integration | with Diane Dooley“Each acquisition has its own fingerprints. You kind of think, oh, it's an acquisition. No, it's all different.” - Diane DooleyDiane Dooley, a CHRO and consultant, joined me this week to discuss what HR’s role in mergers & acquisitions is, and why HR is so key to that process. We talked about doing the right due diligence before an acquisition, how to merge cultures, and how to navigate the different reactions that employees inevitably have. Diane and I also dove into the psychology of both the buyer and the sel...
2025-04-221h 09
Self-Funded(Really) Small Business Health Insurance Benefits | with Christopher Cordon"If you're an employer, if someone comes up and knocks on your door, take a second, breathe, and listen to what they have to say." - Christopher CordonChristopher Cordon joined me this week to talk about something that may initially seem contradictory to what I typically preach: level-funding. Chris shares why worksite benefits sales for employers with under 50 employees led him to level-funding as a solution, and why he’s so passionate about serving that under-served market. Chris has a background as an actor, and we also discussed how...
2025-04-151h 13
Self-FundedWhat The PBM Industry Should Focus On In 2025 | with Julie Wasserman"If you know how a PBM gets paid, that's the best transparency you can ask for.” - Julie WassermanJulie Wasserman, VP of Sales for VerusRx, joined me this week to discuss the PBM industry in 2025. If you’re a PBM, how do you gain trust with employers and build plans that work for them? We talk about what every PBM should be doing for their employers, what true transparency looks like, how to reach employees directly through software, and how GLP1s are changing the industry.If you’re a P...
2025-04-081h 17
Self-FundedEmpowering Americans To Shop For Their Healthcare | with Kylie Everhart"Insurance is about health and wealth. It protects your health, it should protect your wealth." - Kylie EverhartKylie Everhart, Chief Growth Officer at Oxbridge Health, joined me to discuss episode benefit plans and how they empower consumers to make better healthcare choices. Episode benefit plans bundle pricing for the entirety of an “episode of care” - for example, if you need a knee surgery, an episode benefit plan would figure out the cost of everything involved in that procedure from several different providers in your area, and offer you multiple bundled price points to c...
2025-04-011h 03
Self-FundedThe Future of Healthcare Podcast - Live Show With Q&A!"I think innovation is supposed to be hard. That's why it's innovation.” - Seth Denson“Better consumption requires a lot more education.” - Trey Marinello"Don't compare GLP-1s to working out, because if they were working out, they wouldn't need the GLP1s." - Danish Nagda“I think what RFK has done with the MAHA movement is he's gotten people interested in health again.” - Jonathan LopezSeth Denson, Trey Marinello, Danish Nagda, and Jonathan Lopez joined me for the most ambitious podcast we’ve ever attempted. On location...
2025-03-251h 43
Self-FundedBuilding a Contagious Community | with Scott Smith"I think that's the difference with a contagious community. Like, I want to bring other people that I like into this community." - Scott SmithScott Smith, President of True Network Advisors, joins the show for a third time for this podcast filmed at his boathouse in Guntersville, Alabama. Scott and I talked about contagious communities, which Scott defines as a community that people want to share with other people in their life. We also talked about Scott’s list of paradoxes, why he calls his wife “Miss Hot Dog”...
2025-03-111h 33
Self-FundedReversing Diabetes Instead Of Managing Symptoms | with Steve Hastings"Reversing obesity, reversing diabetes is possible. You don't just have to manage a chronic condition." - Steve HastingsSteve Hastings, Leader of Health Plans at Virta Health, joined me to share Virta’s strategy to help members reverse type 2 diabetes, prediabetes, and obesity. He also shared their findings on just how important food is to our overall health and the power it has as medicine.If you’ve listened to pretty much any episode of Self-Funded with Spencer, you’ve heard my thoughts on the importance of healthy nutrition and ea...
2025-03-041h 00
Self-FundedLeading An All-Female Insurance Agency | with Maggi Quinn"If you're not going to be excited when I'm calling you, we're probably not a mutual fit." - Maggie QuinnMaggi Quinn, SVP of Consulting at Intrepid Benefits, joined me to discuss working at an all-female insurance agency, why specialization is so important in today’s market, and some innovative approaches to self-funded healthcare.Maggi shares her journey into insurance, as well as how she found her way to Intrepid, and why the relationship side of the business is the most important to her. We also discuss what makes In...
2025-02-2557 min
The Will Spencer PodcastSPENCER SMITH - The Occult in Your Church: New Age Influences in Christian WorshipIn this episode, Spencer Smith, a pastor and filmmaker, delves into the intricate relationship between modern Christianity and ancient mysticism. He highlights how the 'Third Adam' documentary series exposes the alarming trends of occult practices infiltrating churches. Smith argues that many charismatic movements are essentially repackaged forms of paganism, leading believers away from foundational biblical teachings. Through his work, he seeks to inform Christians about these influences and encourage a return to sound doctrine. The discussion underscores the urgency for the church to reclaim its identity and resist the encroachment of deceptive spiritual...
2025-02-212h 11
Self-FundedSelling In A Collaborative Environment | with Sean Wood"Be kind, be focused on others, be a steward of your craft and take the opportunity to take action.” - Sean WoodSean Wood, SVP of National Partnerships at ParetoHealth, joined me for a podcast that is far less about captives than it is about being a sales ninja. We talk about getting started in sales, the buyer as a skeptic, collaborative selling, and sales mentorship.Sean was actually a pro basketball player, and he shares how his point guard experience has translated to his career. He shares what le...
2025-02-181h 12
Self-FundedProducing A Healthcare Documentary | with Chelsea & Donovan Ryckis "The problem with a lot of healthcare is everybody is coming in, making their own solution. So you have thousands of point solution vendors and all we're doing is confusing the end user and the people that we really want to be educated." - Chelsea RyckisOne of the most influential duos in healthcare, Chelsea and Donovan Ryckis, joined me this week to discuss their company Ethos Benefits, running a benefits agency based on values, and producing the documentary “It’s Not Personal, It’s Just Healthcare.”Along the way, we get into...
2025-01-141h 18
Self-FundedThe Essential Guide To Value-Based Care | with Binu Samuel"I think I'd say our patients deserve better. Our Americans who are encountering the healthcare system deserve better." - Binu SamuelBinu Samuel, Director of Commercial Partnerships at Carrum Health, joined me for the first podcast of 2025 to discuss how we lower healthcare costs for self-funded employers. Binu, and Carrum’s, mission is to make healthcare easier for the employers, employees, and physicians, which includes focusing on making healthcare cost nothing out of pocket to employees. That also typically increases the amount of proactive care that members engage with, which is key to catching huge health problems before they happen.Jo...
2025-01-071h 03
Self-FundedHow To Build Your LinkedIn Presence In 2025"Everybody makes an excuse at the end as to why they didn't post or why they didn't start the thing they really wanted to start." - Me
Happy New Year! As a bonus episode this week, I’m sharing a talk I gave at a recent ParetoHealth event about getting started with social media content, and how it can be used effectively for sales.
Whether you’re new to the industry or you’ve been in it for decades, it’s never too late to start a social media presence...
2025-01-0218 min
Self-FundedHow Content Can Solve Healthcare's Biggest Problems (with Matt & Megan Glaros)"They have to understand the value. That’s how you get people to use it." - Megan Glaros
“I had somebody who said once, why take a pill when you can get a shot? That's the way we kind of treat health, is like, just treat us with medication.” - Matt Glaros
For the final podcast of 2024, Matt and Megan Glaros joined me (in a different studio than usual!) to discuss the unique ways that they both approach benefits.
Matt helped grow his family’s agency before co-foundin...
2024-12-261h 19
Self-FundedAdvocating For A Better Healthcare System, with Tiffany Ryder"I felt like I was putting $10,000 bandaids on someone's diabetic ketoacidosis instead of actually helping them to never be there in the first place." - Tiffany Ryder
Tiffany Ryder, medical physician associate and healthcare advocate, joined me this week to continue the theme of my previous episode: how do we empower patients to make informed decisions, and to advocate for a better system?
Tiffany shared with me her journey to this space, which took her from the world of NFL cheerleading to providing care as a medical physician associate, an...
2024-12-2057 min
Self-FundedNegotiating Fair Medical Bills, with Jenni Nolan"I think that the general public thinks that health care is just expensive and this is just the way it has to be. It doesn't. And I think if more people knew that they would rise up and fight the system, fight for change.” - Jenni Nolan
Jenni Nolan, Board-Certified Patient Advocate at Clear Healthcare Advocacy, joined me this week to discuss the need for more patient advocacy in America, and how she goes about negotiating medical bills with hospitals, on the behalf of patients.
The number one thing we n...
2024-12-1756 min
Self-FundedMake Your Health Plan More Effective, with David Mallen"Any time you can reward employees for doing the right thing, to me, it's benefiting the employer group, it’s benefitting everybody.” - David Mallen
You can provide employees with the best healthcare benefits in the world, but if they don’t know how to navigate the healthcare system, those benefits aren’t very effective.
David Mallen, EVP of Partnerships at HealthJoy, joined me this week in studio to discuss care navigation and how we make benefits plans more effective for employees.
Having personally used Heal...
2024-12-1055 min
Self-FundedBeating Stage 4 Cancer, Against All Odds (with Dylan Slattery)"Looking back now, cancer gave me something to fight for at a time when I felt like maybe life wasn't worth fighting for." - Dylan Slattery
Dylan Slattery, VP at ClaimsBridge and motivational speaker at Stage Four 2 On Stage, joined me this week to share his powerful story of beating stage four cancer against all odds, beating it again when it recurred, and how that experience completely changed his perspective on life and healthcare.
Dylan was diagnosed with stage 4 melanoma completely out of nowhere at the age of 23. We...
2024-12-0358 min
Self-FundedThe Future Of Primary Care, with Danish Nagda“I’m going to say something that people claim isn’t true, but it is. I’m an ear nose and throat doctor. I don't remember your eardrum from last year. I don't care what people tell you, doctors don't remember 3,000 eardrums.” - Danish Nagda
Danish Nagda, founder of Rezilient, has come up with a pretty unique solution to doctor burnout in primary care: a hybrid model, where patients go in-person to checkups, an attendant takes all of their vital signs, and the data is uploaded directly to a doctor.
As an ear...
2024-11-221h 04
Self-FundedTracking Healthcare Quality Using Nurse Feedback with Kimberly Carleson & Linda Komisak"In what other industry could a purveyor put out 99% bad bills and stay in business?" - Linda Komisak
“They're diagnosing things for things that you don't even have. And that’s scary.” - Kimberly Carleson
Kimberly Carleson, CEO of US Beacon, and Linda Komisak, founder of Upturn Consulting LLC, joined me to talk about two critical ways of increasing healthcare transparency: claims reviews and quality metrics.
These two topics are key to understanding why the healthcare system is so broken. If you buy any other service, you can (a...
2024-11-191h 01
Self-FundedWhy We Need "Conscious Healthcare" (with Dr. Scott Conard)"Quit tolerating mediocrity. Go get in action. Find the right broker consultant that will take you to a new place. Don't give up hope." - Scott Conard
Dr. Scott Conard tragically lost 3 patients one summer to unexpected heart problems, and immediately changed how he thought of healthcare.
This week on Self-Funded, we talk about “conscious capitalism”, and by extension “conscious healthcare”, what the 7 numbers that everybody needs to know are, and how we need to change the way we approach health risk.
Chapters:
00:00...
2024-11-121h 12
Self-FundedThe Economics of Cell and Gene Therapy with Oscar Bronsther & Carolina Escobar"It's progress we couldn't have envisioned decades ago." - Oscar
“I felt interested in being part of something bigger than my practice and something that will impact even more people that I was able to in the hospital.” - Carolina
Dr. Oscar Bronsther and Dr. Carolina Escobar from Interlink joined me this week to discuss the exciting and scary world of cell and gene therapy, CRISPR, and how we fund these amazing medical advances.
In addition to me attempting to act smart enough to be in the same...
2024-11-051h 07
Self-FundedEnding Pharmaceutical Price Gouging, with Jake Frenz"If my child needs a gene therapy to live, they should get it and anyone's child should. So let's figure out how to pay for it." - Jake Frenz
On the final of four podcasts filmed at a recent healthcare thinktank I hosted in Frisco, Texas, Jake Frenz, the founder and CEO of SmithRx, joined me to share his journey from the Marine Corps to Pharmacy Benefit Management, and what makes him so passionate about ending prescription drug price gouging.
Jake and I discussed what some of the core c...
2024-10-2957 min
Self-FundedThe Average Person Doesn't Understand Healthcare, with Dan Cochran "I would say a lot of it is education, helping both the member and the provider realize that it's okay for them to get healthcare in home." - Dan Cochran
On the third of four podcasts filmed at a recent healthcare thinktank I hosted in Frisco, Texas, Dan Cochran, CEO of Cochran Health Ventures, joined me to discuss infusions, in-home healthcare, why the future of healthcare will be personalized, and how we educate consumers.
I, and many others in this industry, consistently advocate that much of healthcare is way t...
2024-10-221h 02
Self-FundedThe Opportunity We Have To Fix Healthcare, with Shawn Sanford"There can be a better path forward. We don't have to remain adherent to the system that is built against us. It's just going to take some rolling up of the sleeves and a commitment to it." - Shawn Sanford
This week, another ParetoHealth colleague joins the show: Shawn Sanford, RVP of Sales and Pod Leader.
Shawn and I discussed his transition from pro baseball to ancillary benefit sales to Pareto, and what he learned from each step along the way.
We also discuss s...
2024-10-151h 03
Self-FundedBe A (Healthcare) Advocate, with Kristen Rivers“There's a reason why every insurance carrier likely owns or is owned by a pharmacy benefit management company, that’s one of the ways that they can drive revenue." - Kristen Rivers
My guest this week, Kristen Rivers from ParetoHealth, is one of the strongest healthcare advocates I know.
This week on Self-Funded, Kristen and I discuss her upbringing, how that affects the work she does today, what caused her to leave a position at the biggest insurance company in the world, and why she believes in the work she’s...
2024-10-0857 min
Self-FundedWho Is Spencer Smith? Q+A with Luke AslesenLuke Aslesen, founder of INFRMD, joined me a few weeks ago for the podcast, and we also filmed this extended interview after, in which Luke asks me about my comedy background, upbringing, relationship with my wife, and more.
If you’re a long-time listener of the podcast and want to get to know me a bit better, or you just stumbled onto the podcast and want to know who I am, this is a great place to start!
Chapters:
00:00:00 Luke/Spencer Q+A
00:00:35 When/how did you...
2024-10-0343 min
Self-FundedGLP-1s: The PBM Perspective (with Justin Jasniewski)“PBM is one of the most complicated concepts out there and it's incredibly difficult to understand. But it's not because the system itself is complicated. It's because pbms make it complicated.” - Justin Jasniewski
Justin Jasniewski, CEO of Serve You Rx, joined me this week to discuss the state of the pharmacy benefit management (PBM) market in 2024.
We discussed the competitive landscape in the PBM industry, why that’s (slowly) leading to more actual transparency, and how Serve You Rx fits into that market.
Justin a...
2024-10-0135 min
Self-Funded"Blind Spots" with Dr. Marty Makary“You know, Africa has no peanut allergies.” - Dr. Marty Makary
I was honored to be joined this week by Dr. Marty Makary to promote his new book “Blind Spots”, which published this week and is currently a national bestseller.
To purchase “Blind Spots”, use this link: https://geni.us/blindspots
Dr. Marty Makary is a surgeon, researcher, and author, as well as an advocate for better approaches to public health. He’s known for challenging medical dogma and asking the questions nobody else will. In our co...
2024-09-2051 min
Self-FundedHow Do You Stay Authentic And Creative In Insurance? (with Luke Aslesen)“So many times these employers are like, ‘dude, I spend so much money on this, and my employees don't care at all.’ Or what's even worse is they go, ‘our employees love it, we have a great, great plan.’ Did they tell you that?” - Luke Aslesen
This is one of my favorite podcasts of the year: Luke Aslesen, Founder of INFRMD, joined me to talk about entrepreneurship, creativity in insurance, comedy, and how to stay authentic.
INFRMD is an insurance education platform, designed to make it as easy as possible f...
2024-09-171h 20
Self-FundedPsychedelic Therapy As An Employee Benefit? (with Amil Patel)“If we're facing a [mental health] crisis and we want radical change, we’ve got to think about radical solutions. If those radical solutions can show objectively with safety and efficacy data, that they're really helping people and really changing lives, then I think we ought to at least explore and get curious about offering those solutions to to people.” - Amil PatelWe have a mental health crisis in America, and we need new solutions to help those who are struggling.Amil Patel, from Meeko Health, joined the show t...
2024-09-101h 16
Self-FundedWhat's Stopping Patients From Embracing Virtual Care? (with Jon O'Toole)“Utilization is key for virtual urgent care. Let us be your first line of defense, rather than like, ‘oh, I do have a telemedicine on the back of my insurance card, I’m not sure what it does.’” - Jon O’Toole
Especially in the last few years (for obvious reasons), telehealth and virtual care have proved that they’re here to stay. But how do we best determine when a patient should use virtual or in-person care, and how do we actually get them to utilize it?
Jon O’Toole, from R...
2024-09-0452 min
Self-FundedElevate Your Customer Service Game (with Heather Bowers)“Life is short. In the meantime, your health is, at the end of the day, your health is all you have." - Heather Bowers
Differentiating yourself through customer service is a tricky thing: it’s talked about so frequently that it can almost feel outdated focusing so much on the customer experience.
But, as my guest Heather Bowers from Lone Star Benefits shared with me this week, it’s still the best way to truly serve your clients in 2024.
Heather joined me from literally across...
2024-08-2756 min
Self-FundedHow Do We Engage Members? (with Rob Gelb)“We're simplifying the complexities of healthcare. We gotta declutter it, we've gotta demystify it, we've gotta make it more transparent and understandable in bite sized ways where members know and understand what's happening for and to them." - Rob Gelb
It sounds like a simple question, but as an industry, we’re still working towards figuring it out: how do we engage members?
Rob Gelb joined me this week to discuss what role Valenz has in solving that seemingly unsolvable equation.
Along the way, Rob a...
2024-08-201h 20
Self-FundedFixing Healthcare Now (with Brandon Weber in San Francisco)“If you talk to almost anyone in this industry over a beer or something like that, I think they will all agree that we are operating in a pretty antiquated industry that needs some serious modernization, innovation, reimagination." - Brandon Weber
This week’s episode of Self-Funded is coming to you from the (unfinished) San Francisco ParetoHealth office.
Brandon Weber, founder of Nava Benefits, joined the healthcare industry as an outsider: he’s spent most of his career as a tech entrepreneur, and after exiting his previous company, he found...
2024-08-131h 00
Self-FundedThe Social Determinants Of Health (with Justen Nestico)"I think, not just in terms of the type of AI Verikai does, but AI in healthcare in general, I'm so optimistic about it, just because we are in such early stages of this." - Justen Nestico
Did you know that what type of car you drive determines how healthy you're likely to be?
Justen Nestico, Director of Actuarial Solutions at Verikai, joined me this week to discuss a really important thing when it comes to risk assessment: data.
We talked about how Verikai i...
2024-08-061h 02
Self-FundedWhy Tribal Healthcare Is So Unique (with Kevin Chambers)"The best way I can explain it is the concept is like your house is on fire, and now you go get homeowners insurance." - Kevin Chambers
Kevin Chambers (Lucent Health) joined me this week to help me understand just what makes tribal healthcare plans so unique.
As Kevin shares in this episode, many companies are somewhat scared to insure tribes, as they have sovereignty and so any potential lawsuits are tried in tribal court. That doesn’t mean that this niche needs to be neglected, though; tribes actually hav...
2024-07-3045 min
Self-FundedHow To Build Your Personal Brand From Scratch (with Madison Baker)"I think we need to do a better job of understanding each other and plugging each other in where we can help our clients to solve for issues that may not directly impact us, but make a world of difference for them." - Madison Baker
Madison Baker, from Marsh McLennan, has expanded her business and online presence exponentially over the last year by creating engaging posts and content on LinkedIn. If you’re just starting out in a producer role and you’re not using LinkedIn to build your brand, tune in this week to h...
2024-07-231h 08
Self-FundedSelf-Funding Drug Trials (with Public Good Pharma)“I realize there's this massive disconnect in the business model whereby you've got governments and health insurers paying billions and billions of dollars for what might be a not very effective therapy, and then there's all these potential cures, even, and much better treatments out there.” - Savva Kerdemelidis
Savva Kerdemelidis and Zan Lowe, of Public Good Pharma, joined me this week to talk about re-aligning the incentive structures for drug development.
In our current system, drugs are often funded based on how much of their formula is patentable, and manufacturers will tweak the formulas in order to get new paten...
2024-07-1659 min
Self-FundedCan We Use AI To Fix Healthcare? (with Guy Benjamin)"The US healthcare system is simple, easy to navigate and affordable. Said no one ever." - Guy Benjamin
Guy Benjamin returns to the show a year after his previous episode to share just how much Healthee has expanded in that time (spoilers: it’s 100x).
We talk about how Healthee’s role in the marketplace has shifted, what huge feature is on the horizon for them, and why Guy believes that the Healthee app deserves a spot on the bottom row of apps on your phone, next to your messa...
2024-07-1251 min
Self-FundedInside the Life of a Children's Book Illustrator (with AG Ford)"It's not always what you can do that makes you who you are. Sometimes the things that you don't do well create your style." - AG Ford
We have a bit of a different episode in store for you this week: an interview with a local illustrator AG Ford, who’s worked on children’s book series like Construction Site and Magic Tree House.
AG and I discussed just how hard it is to break into the world of illustration, what he learned in art school, and what his curr...
2024-07-0258 min
Self-FundedEpisode 150 - Talking RBP with ClaimDOC, Live From Des Moines!“If you're going to be the fiduciary, you have to protect the members, you have to protect the plan, and you need to defend that allowable to make sure that you're covering all of your bases." - Amy Pellegrin
We made it to episode 150! A huge thank you to every guest we’ve had on the show so far, and obviously to you, the listeners, for making the show what it is today.
For this special episode, we traveled to Des Moines, Iowa to meet with ClaimDOC, one of our...
2024-06-2559 min
Self-FundedReal Estate As An Employee Benefit? (with Dave and Tommy Shumway)"You're talking about the number one creator of wealth and security for people and one of their most important purchases. And like, how is this not in the employee benefits arena?" - Tommy Shumway
For the first time ever, a father and son joined the podcast together. Dave and Tommy Shumway, from CityWorth, joined the show to discuss an innovative, yet somewhat obvious, benefit that they’ve rolled out for employers to offer their employees: down payment assistance.
We spend a lot of time on the show covering new poi...
2024-06-1853 min
Self-FundedIncentivizing Employees To Stay Fit (with Chris Hamilton)"Your fitness affects if you, even if you have a desk job. Your fitness is going to affect your performance over the long run, because it's your energy level." - Chris Hamilton
Chris Hamilton (Hotchkiss) needs no introduction on the show at this point; this is his fifth appearance!
This time, Chris introduced me to the world of Continuous Glucose Monitoring (CGM) by putting a CGM in my arm at the very start of the show (be sure to listen to the whole episode to hear what my glucose level was!).
We talked about why Chris tracks his health so in...
2024-06-111h 17
Self-FundedDesigning Better Healthcare Experiences (with Ben Callaghan)“We need to solve for all of that, so that it's more rewarding, more enjoyable, because that's where the cost savings will come in. That's where the innovation will come." - Ben Callaghan
Ben Callaghan, Chief Experience Officer at Empara, joined me this week to discuss how design can actually play a huge role in fixing many of the problems in our industry.
Before working at Empara, Ben actually attempted to launch a ski design company, and we discussed how that experience designing physical products still informs his design phi...
2024-06-0452 min
Self-FundedHow To Stay Disciplined As A Consultant (with Nick Bellanca)"If you do hard things now, your life will be easy in the future. If you do easy things now, your life will be hard in the future." - Nick Bellanca
Nick Bellanca joined me this week to get his perspective on something we don’t get a lot of on the show: selling as a consultant.
Nick and I talked about his upbringing, how he got onto the football team at the University of San Diego, and starting out working at a carrier (which he says is a gre...
2024-05-2856 min
Self-FundedBringing Capitalism Back To Healthcare (with Dr. K)"When your brain is programmed that the only way it can be done is through submitting your insurance and when your brain has been for years and years and years that accepting cash is criminal, it's very hard to break that." - Dr. K
My good friend Dr. K, founder of the NTTC Surgery Center and Hinkapin Health, joined the show to shed further light on what upfront pricing and value-based healthcare can do for this industry, employers, and patients.
Dr. K came to America from India, and we discussed what it was like to encounter our health insurance for t...
2024-05-2154 min
Self-FundedThe Employer Perspective On Self-Funding (with Stephanie Koch)“It's the second largest line item that a company has, but they will stroke a check every month for a fully insured program without having data to support what those costs are for.” - Stephanie Koch
Stephanie Koch joined the show to share what it was like to work in benefits and HR in a fully funded company before moving to one that self-funds.
I invited Stephanie on to hear the employer perspective on the industry, but ended up getting so much more, as she’s truly on the cutting...
2024-05-141h 12
Self-FundedAvoiding Unnecessary Surgeries And Imaging (with Heidi Ojha)“I realized that 95% of the scheduled surgeries, like shoulder/knee repairs, back fusions, even some pelvic floor surgeries, they're no more effective than doing nothing at all, on average.” - Heidi Ojha
Heidi Ojha, founder of Aware Health and recently a part of our MSK roundtable, joined me this week in studio to talk about why there are so many unnecessary surgeries performed in this country, why these surgeries happen in the first place, and how she’s trying to change that.
Heidi’s worked as a clinician before founding Aware and estimates that about 95% of scheduled surgeries led to no mo...
2024-05-071h 02
Self-FundedCan Market-Based Pricing Save Healthcare? (with Dr. Keith Smith)“In what other industry are you just not covered up with business if you're cheaper and better? This is America, for God's sake." - Keith Smith
This is a special episode with a special guest: Dr. Keith Smith from the Surgery Center of Oklahoma. Keith realized in the 1990s that the surgery system in America was exploitative and unfair, and decided to “rebel”, setting up a “parallel market” to sell surgeries direct to consumer at a listed price without any middlemen.
The idea of a consumer knowing the price ahead of pu...
2024-04-301h 07
Self-FundedFrom "Sickcare" to "Healthcare": The Future Of This Industry (with John Butler)"No one wins alone. And you know what? You can't do it on your own." - John Butler
John Butler, from JB Benefits Consulting, joined the show this week to talk the big-picture future of health insurance.
From AI sales tools to ICHRA plans to Health Sharing Plans, John Butler is constantly thinking about the future of this industry, and it was fun to hear about how his life experience as a consultant led him to where he currently is.
John and I also fo...
2024-04-2358 min
Self-FundedModern Virtual Care With AI (with Chris Mathew)"I don't believe that random doctors should treat random patients in ongoing continuity of care. I don't think that transactional care is good for patients, and I know it's not good for physicians." - Chris Mathew
The great Chris Mathew, Chief Growth Officer at Sniffle, joined me to talk about the future of Telehealth and the amazingly cost-effective ($15 a month!) benefits plan that Sniffle offers.
Chris comes from an entrepreneurial family background, which pushed him to work at various startups over the years. Chris and I talked about why it was so important for him to be part of a s...
2024-04-161h 01
Self-FundedThe MSK Roundtable, with Chris Hamilton, Heidi Ojha, and Mark TestaDoes bone-on-bone contact always lead to pain? What's the best way to get good, new solutions in the hands of brokers? How many MSK surgeries are really necessary?
Chris Hamilton, Heidi Ojha, and Mark Testa joined me in studio to answer those questions and many more in this special bonus episode of Self-Funded with Spencer, The MSK Roundtable.
Key Links for Social:
@SelfFunded on YouTube for video versions of the podcast and much more - https://www.youtube.com/@SelfFunded
Listen on...
2024-04-121h 24
Self-FundedWhy "HR" Became "People" (with Monica Panetta)"I always knew there was more. I always knew there was a different dimension to what this personnel or HR thing was." - Monica Panetta
Monica Panetta, Chief People Officer at ParetoHealth (a show sponsor and the company I work for), joined me for an evening podcast in studio as we talked all things HR/People, starting with why the industry has moved away from saying HR.
Monica’s so well-versed in the field that she actually started the HR program at her college as she was attending it, and the curriculum is still taught today. We talk how sh...
2024-04-0951 min
Self-FundedFounding A Healthcare Startup (with Russell Pekala) "I think the more questions the employer asks, and just the deeper that they're willing to think about this and have already thought about it, the more they're able to buy into this mission." - Russell Pekala
Russell Pekala, co-founder of Yuzu Health, joined me in studio for this week’s episode focused on controlling pharmacy costs and emergency claims.
Yuzu Health is a startup in the TPA space aiming to change how the claims process work. Rather than having the member get care...
2024-04-021h 03
Self-FundedActually Making Healthcare Affordable (with Taylor Rogers)“To me, a private equity firm should never look at a healthcare vertical and say, God, there's opportunity there. That means that there's profit exploitation to be had in those areas.” - Taylor Rogers
Taylor Rogers, former professional baseball pitcher turned insurance consultant, joined me this week for a podcast focused on profit exploitation in the current healthcare system, and what we need to do as an industry to bring back competition and lower prices.
There are a huge number of people in this...
2024-03-2650 min
Self-FundedLeveling The Healthcare Playing Field (with Gentry Lynn)“You can have the same provider, same treatment, two different locations, different outcomes.” - Gentry Lynn
Gentry Lynn, VP at Healthcare Bluebook, joined me this week to discuss what it means to actually make an impact in this industry, why there’s so much cost variance between locations, and how we can more effectively engage members to use new solutions.
One of the key points of our discussion was that there are actual health outcome and cost ramifications to which location patients get their care from, even i...
2024-03-191h 07
Self-FundedIs Ozempic A Sustainable Solution? (with Durrell Finch)“It's like the Wizard of Oz, I think, or The Matrix. You have this veil that as the participant in it for so long, you just don't think about your benefits. But I think when you kind of peel back the curtain and you're looking at the greed of it and how everyone is getting paid on people being sick, it's gross. And I don't vibe with it.” - Durrell Finch
Anyone who listens to the show should know by now that I’m a huge proponent of personal wellness, healthy eating, and exercise, which...
2024-03-121h 17
Self-FundedHow Adapting to Regulations Can Benefit Your Practice (with Jen Berman)"Compliance does not have to be a burden. It doesn't have to be hard. It can be a value differentiator and an opportunity to really help people." - Jen Berman
Jen Berman joined me this week to close out our trilogy of compliance episodes. We focused on why regulations exist, the purpose of recent legislation like the CAA, and why it’s important for consultants to learn the compliance process.
Jen is the CEO of MZQ Consulting (not an acronym, as we discuss in the episode), a...
2024-03-0557 min
Self-FundedThe No Surprises Act and Consumer Protection In Healthcare (with Josh Schreiner & Michael Mather)"When consumers understand that they can get the same level of care at half the price, they feel good about making that decision." - Josh Schreiner
“We're actually going to collapse that concept entirely. Everyone's in network from your perspective, from the consumer, from the patient perspective." - Michael Mather
Continuing from last week’s theme of compliance and regulation, Josh Schreiner, Chief Product Officer, and Michael Mather, General Counsel, of HealthEZ joined me for a discussion on the effects of the No Surprises Act on the healthcare industry as a whole, and...
2024-02-271h 10
Self-FundedDon't Get Sued: Compliance In The CAA Era (with Sarah Borders)“The CAA was the most significant piece of healthcare legislation that we've had since the ACA.” - Sarah Borders
Healthcare compliance, especially post-CAA, can be a complex thing for employers to navigate. There’s an increased level of scrutiny on employers, with heavy fees for those who don’t comply.
This week on Self-Funded with Spencer I’m joined by Sarah Borders, co-founder of Benefits Compliance Solutions. Here are a few key takeaways for consultants:
Understanding compliance: Navigating the complex...
2024-02-201h 13
Self-FundedDisrupting The Health Insurance Industry (with Jack Crotty)"I think our industry is craving some disruption - and it needs it." - Jack Crotty
What does it actually mean to disrupt the health insurance industry?
Jack Crotty, the Director of Business Development of Adyptation, joined me in studio this week for a discussion on the innovative solutions he’s bringing to the consulting world, including pharmaceutical sourcing and specialized disease care that brings incredible care to employees and day one savings to the employers who pay for it.
2024-02-1342 min
Self-FundedHow To Build Your Social Media Brand (with Jake Rushton)"There's no reason you can't make content.There's no excuses. Just get started. Because it could open opportunities you don't even know." - Jake Rushton
Jake and I can both honestly say that we would not be where we are in our careers today without social media, but for many of those who tune into the show, getting started with producing content can be super intimidating. How do you film reels or podcasts? Do you need a bunch of super expensive equipment right away? And, if you put the time/money in, what’s...
2024-02-061h 00
Self-FundedClosing the Mental Health Gap (with Megan Rozanski)“I think we're now at a point where we as a society are recognizing we can't wait until it gets bad enough. And how do we get people into care sooner?" - Megan Rozanski
I wanted to close out January with a focus on mental health and how to continue breaking down the stigma surrounding it, and Megan Rozanski was gracious enough to join me in the studio to do just that.
Expanding access to and improving the delivery of healthcare have been two key val...
2024-01-3055 min
Self-FundedDirect Primary Care: The Physician Perspective (with Dr. David Cameron)"Whereas the current structure pits [employers, doctors, and patients] against each other, with Direct Primary Care, we all want the same thing." - Dr. David Cameron
For Dr. David Cameron, DPC (direct primary care) isn't just another health insurance acronym; it’s a revolutionary approach to delivering healthcare that has transformed his role as a physician.
Beyond incorporating DPC into his practice, David, in his capacity as the Chief Medical Officer at Hint Connect, is actively working to expand the reach of direct primary care to as...
2024-01-231h 07
Self-FundedDemanding Healthcare Justice (with Emma Fox)"The only thing that will fix healthcare is restoring the doctor patient relationship without anybody in between it." - Emma Fox
Emma Fox joins me on this special pre-YouPowered Symposium episode to talk about her healthcare journey, from moving to America and discovering just how broken our system was for the first time to recently meeting with the President to discuss what needs to be done.
Emma’s early experience with medical debt and medical bankruptcy inspired her huge passion for transparency and cha...
2024-01-1646 min
Self-FundedA Couple On A Healthcare Mission (With David Contorno & Emma Fox)"If you show me the incentives, I'll show you the outcomes." - David Contorno
"I want to fix the healthcare system. My mission ended up being to correct the injustices I find in the healthcare system as I find them. And that's what I do every single day." - Emma Fox
On this bonus episode of Self Funded With Spencer, I sat down with David Contorno and Emma Fox for this bonus episode focusing on how their aligned views on the healthcare landscape led to their marriage and their...
2024-01-1134 min
Self-FundedThe Real Cost of Health Insurance (with David Contorno)"Health insurance has been so perverted that it becomes the one insurance that we go bankrupt when we use." - David Contorno
I was super grateful to have David Contorno, founder of e-Powered Benefits, join me on the podcast for a conversation covering many aspects of the healthcare landscape, from how brokers can think outside the boxes to change the industry to how we need to change the way employers look at wellness plans.
At a time when the average family premium is over $23,000 a year, there’s significant financial strain associated with healthcare that can and does lead to ba...
2024-01-0940 min
Self-FundedSamaritan Fund - Medical Expense Relief That Changes Lives"If we can take that [financial] anxiety away from them to where they can focus on their health, that's our mission, that's our cause. That's what we want to do." - Brett Morris
Brett Morris joins me on the podcast for a conversation revolving around the Samaritan Fund Program, which he developed to help those individuals and families who have been physically and financially devastated by a medical diagnosis.
He directly works with employers and employees, helping to mitigate high-cost medical expenses on the employer’s end while enabling them to help their employees when the...
2024-01-0358 min
Self-FundedAsk Us Anything - LinkedIn Live with Seth Denson (12/20/23)In this special episode of Self-Funded with Spencer, I am joined by my friend Seth Denson for my first ever live version of the podcast through LinkedIn Live.
This episode was previously recorded on 12/20/23, but I wanted to make sure that those who missed it on LinkedIn, still had an opportunity to watch and listen.
Seth is the Head of Employee Benefits at Acrisure and he also features daily as a sought after business and market analyst for Fox News, CNN, NewsMax, OANN and more.
2023-12-271h 11
Self-FundedAdvanced Medical Strategies - Stacy Borans - Founder of AMSAdvanced Medical Strategies - Stacy Borans - Founder of AMS
Stacy Borans is a seasoned expert in healthcare technology and data analysis, with a robust background in medical cost management.
As a key player at Advanced Medical Strategies (AMS), she has been instrumental in developing software solutions for payment accuracy, risk assessment, and business intelligence in the healthcare industry. Her perspective on healthcare technology and data analysis in medical cost management is shaped by her experiences at AMS, where she noticed excessively high bills during medical reviews and saw...
2023-12-191h 02
Self-FundedA Benefit For Parents - ParentMDJosh Honaker is a seasoned pediatrician from South Central Kentucky, renowned for his expertise in integrating telehealth and education in pediatric healthcare.
He currently serves as the CEO of Parent MD, a platform that embodies his belief in the necessity of Telehealth and education as solutions to common frustrations and disconnects in pediatric healthcare.
Dr. Honaker's perspective is shaped by his experiences with time constraints and high patient volumes, which often leave parents feeling frustrated and uninformed.
He sees Telehealth and education as vital...
2023-12-121h 00
Self-FundedThe TPA Problem-Solver - Madeline Smith of MADDRSThe TPA Problem-Solver - Madeline Smith of MADDRS
Today's episode features Madeline, CEO and Founder of MADDRS.
Madeline Smith is a passionate insurance professional with a diverse background in writing, teaching, coaching, and consulting, and a strong desire to improve differentiation and value in the self-funded plan industry.
Madeline sees her role evolving to focus more on teaching, supporting, and consulting behind the scenes, rather than being at the forefront trying to sell and produce.
She is a strong advocate for challenging the status quo and finding innovative ways...
2023-11-141h 00
Self-FundedFrom the Army to Employee Benefits - Two Veterans' Journey into HealthcareFrom Military Service to Employee Benefits - Two Veterans' Journey into Healthcare
Transitioning from military service to civilian life can be a daunting task for some veterans. However, with the right support and guidance, veterans can find fulfilling careers in various industries.
One such industry is insurance consulting, which offers a unique blend of strategic thinking, problem-solving, and client management. In a recent episode of the podcast @SelfFunded with Spencer, hosted by Spencer Smith and featuring Cliff Favors and Winston Elliott, the topic of veterans transitioning to civilian careers...
2023-11-071h 07
Self-FundedGeneric Drugs at Cost with ZERO Markup - ScriptCoGeneric Drugs at Cost with ZERO Markup - ScriptCo
In this episode of our podcast, host Spencer Smith welcomes Zach Zeller, the founders of Scriptco. They are on a mission to disrupt the traditional healthcare system by offering transparent medication pricing and emphasizing the importance of affordable generics. Join us as we explore their journey, the benefits of Scriptco, and the potential for change in the healthcare industry.
Unveiling the Dark Underbelly of Pharmacy Benefit Managers (PBMs):
Zach Zeller discovered a startling truth about pharmacy benefit managers (PBMs) and their impact on consumers and pharmacies. He realized that copays were...
2023-09-1957 min
Self-FundedFrom Tragedy to Triumph: The Journey of Writing 'Wounds'From Tragedy to Triumph: The Journey of Writing 'Wounds'
In this week's episode of the podcast "Self Funded" with Spencer, hosted by Spencer Smith, performance coach Ryan Miller shares his unique coaching approach that combines psychology, self-perception, and personal branding.
Ryan's coaching journey began with a focus on sales, but it quickly evolved to encompass a deeper understanding of human behavior and the importance of self-perception in achieving success.
Ryan believes that influence, relationship building, and understanding oneself are crucial for success. His coaching aims to help individuals uncover their potential and overcome self-destructive...
2023-09-1237 min
Self-FundedThe Broker as a Buffer - Sean Turner - Founder of Buffer InsuranceIn this week's episode, Spencer Smith and Sean Turner delve into Sean's inspiring journey of establishing his insurance agency, Buffer Insurance. We explore the key takeaways from their conversation, offering practical advice and data-driven insights for aspiring entrepreneurs.
Key Highlights:
1. The Challenges of Hiring Employees and Empowering Your Team:
Starting an agency often means taking on the responsibility of hiring employees before revenue catches up. Sean Turner initially faced this challenge but realized the importance of empowering his team. By letting go of responsibilities and investing in...
2023-09-0553 min
Self-FundedBuilding a Long-Term TPA Strategy for Self-Funded Plans - Elizabeth Vire - HPIWelcome back to another episode of our podcast, where we dive deep into the world of insurance and healthcare. Today, we have a fascinating conversation between Spencer Smith and Elizabeth Vire, Vice President of National Sales at HPI (Health Plans, Inc.). They discuss the importance of a long-term strategy when working with third-party administrators (TPAs) in the insurance industry, along with practical insights and data-driven advice. So, let's jump right in!
The Power of Strategy and Exceptional Service:
Elizabeth Vire emphasizes the significance of vetting TPAs based on their...
2023-08-2947 min
Self-FundedA History of Self-Funding with Larry TurellThe History of Self-Funding - Larry Turell
Have you ever wondered how self funding in the insurance industry evolved over the years? Wonder no more because that is the theme of this episode of the Self-Funded with Spencer podcast.
In our latest episode, host Spencer Smith and Larry Turrell dive into the fascinating history of self funding, from its humble beginnings to the innovative strategies used today.
Discover how Larry's father helped pioneer one of the very first self funded plan for small to...
2023-08-2256 min
Self-FundedIndependent Benefits Consulting with Chris Wolpert of GBSIndependent Benefits Consulting with Chris Wolpert of GBS
In this podcast episode, Spencer Smith and Chris Wolpert discuss their careers, entrepreneurship, healthcare consulting, marketing strategies, and personal connections.
They delve into Chris Wolpert's transition from journalism to the insurance industry, highlighting his focus on work-life balance and employee well-being as an insurance consultant.
Chris shares his motivations for starting Group Benefit Solutions and his passion for the group benefits industry, the importance of consulting in modernizing healthcare, eliminating out-of-pocket expenses, and utilizing technology and personalized care is emphasized.
He also created a comic books as a marketing tool, showcasing...
2023-08-0846 min
Self-FundedPBM Consulting - Bringing Transparency to Pharmacy with Trevor Daer of Granite Peak AnalyticsPBM Consulting - Bringing Transparency to Pharmacy with Trevor Daer of Granite Peak Analytics
Trevor Daer, the founder of Granite Peak Analytics, joins me on the orange couch to explore the world of pharmacy analytics and the importance of data in making informed PBM decisions.
This episode of the Self-Funded with Spencer Podcast explores the world of pharmacy rebates and the importance of collaboration in making progress and saving money.
Spencer Smith and Trevor Daer discuss the PBM space and how Granite Peak Analytics can help large payers make educated decisions. Additionally, PBM Consulting Solutions provide employers with objective...
2023-08-0145 min
Self-FundedHow AI Could Repair our Healthcare System - Meet HealtheeHow AI Could Repair our Healthcare System - Meet Healthee
Join Spencer Smith in his latest episode of Self-Funded with Spencer as he delves into the world of artificial intelligence with Healthee and their co-founder/co-CEO - Guy Benjamin.
Guy shares the story behind "Zoe", Healthee's AI-based personal health assistant. The podcast also discusses biases and inefficiencies in the healthcare industry and how Healthee's platform uses AI to improve the health coverage services and experience for employees.
Spencer and Guy discuss how Healthee's mission is to provide accessible and transparent healthcare options for individuals, particularly in the United States...
2023-06-2050 min
Self-FundedHealth Payment Accounts (HPA) with Paytient CEO - Brian WhorleyHealth Payment Accounts (HPA) with Paytient CEO - Brian Whorley
Welcome to Self-Funded with Spencer, where we dive into the world of healthcare and explore ways to make healthcare coverage more accessible and effortless for everyone.
In this episode, Spencer Smith welcomes Brian Whorley, CEO and founder of Paytient. Brian is creating a new category for health payment accounts that helps remove the impediment of out-of-pocket costs for patients. Together they discuss the importance of creating a feeling of security, peace of mind, and confidence in the form of...
2023-05-3153 min
Self-FundedHealthcare Orchestration with Curus - Jared MortRevolutionizing Healthcare Coordination and Advocacy with Curus
Get ready to dive into the world of healthcare benefits and savings with Spencer Smith's Self-Funded podcast, sponsored by Pareto Health.
In this episode, COO Jared Mort from Curus Health shares his expertise on clinical care coordination, or as he refers to it "Care Orchestration", and how to help mid-sized employers reduce their healthcare costs.
Jared also discusses Curus Health's approach to total life concierge services, which assists people with chronic illness and clinical conditions in navigating...
2023-05-2342 min
Self-FundedData Analytics for the Modern Benefits Broker - Mike Pattengale - SpringbukData Analytics for the Modern Benefits Broker - Mike Pattengale - Springbuk
Looking to learn about the future of data analytics in healthcare? Look no further than Self-Funded with Spencer!
Host Spencer Smith welcomes guest Mike Pattengale from Springbuk to discuss their innovative approach to data analytics and how it helps drive informed decisions.
The two discuss the impact of COVID-19 on the healthcare industry and how data analytics can help employers make better decisions regarding the well-being of their employees.
2023-05-161h 04
Self-FundedLeadership & Legacy with Scott Smith - President/CEO of TRUE Network AdvisorsJoin podcast host Spencer Smith as he sits down with guest Scott Smith from TRUE Network Advisors to discuss topics ranging from leadership to personal growth in the latest episode of Self-Funded with Spencer.
Scott and Spencer delve into the concept of authentic leadership, exploring what it means to be "authentic" (a buzzword that makes them cringe) and striving to be the best version of oneself. The discussion also touches on the challenges of providing mentorship and guidance to others and feeling a sense of responsibility for the advice given.
Impostor syndrome is also explored in detail, and both speakers...
2023-05-091h 09
Self-FundedThe Evolution of PBMs with The "PBM Princess", Rachel Strauss of EHIMJoin host Spencer Smith on another episode of Self-Funded with Spencer, as he welcomes the PBM Princess, Rachel Strauss from EHIM.
In this engaging and informative podcast episode, Rachel shares valuable insights about the Pharmacy Benefits Management industry and EHIM's merger with ProCare Rx. Rachel and Spencer also take a deep dive into the importance of transparency in PBMs and how it affects the relationship between PBM and clients.
Rachel shares her journey of becoming a PBM consultant and how she found her niche as a problem solver, helping...
2023-05-0257 minThe Will Spencer PodcastSPENCER SMITH | Doctrine vs. Divine FeminineSpencer Smith is the director and creator of the outstanding Third Adam series of documentaries, as well as a preacher, evangelist, husband, and father of four.
Better than anyone I've seen, Spencer Smith has documented the existence of the so-called Divine Feminine and its efforts to infiltrate American culture and the American Evangelical Church.
This is one of those things you have to see for yourself to understand. And once you do, you'll see it everywhere. And the spiritual warfare that we're living through will finally make sense.
In our conversation, we discussed:
2023-03-231h 51
Crossing Arrows Ranch PodcastCrossing Arrows Ranch - Episode 101 - Intro to Spencer Smith and Crossing Arrows Ranch Equine TherapyIntro to the founder of Crossing Arrows Ranch, Spencer Smith. Spencer tells the stories of how he was called to build the ranch. To visit us, copy and paste the link below into your browser. http://crossingarrowsranch.org
2022-09-1513 min
Missionary Spencer SmithThird Adam Documentary - Missionary Spencer SmithThird Adam Documentary - Missionary Spencer Smith
---
This episode is sponsored by
· Anchor: The easiest way to make a podcast. https://anchor.fm/app
Support this podcast: https://anchor.fm/spencersmith/support
2020-03-191h 25Missionary Spencer SmithDestruction - Proverbs 1-9 - Missionary Spencer SmithSermon preached by Missionary Spencer Smith.
---
This episode is sponsored by
· Anchor: The easiest way to make a podcast. https://anchor.fm/app
Support this podcast: https://anchor.fm/spencersmith/support
2020-02-0832 minMissionary Spencer SmithGod's Counsel, Man's Choice, Life's Consequences - Spencer SmithSermon from Missionary Spencer Smith.
---
This episode is sponsored by
· Anchor: The easiest way to make a podcast. https://anchor.fm/app
Support this podcast: https://anchor.fm/spencersmith/support
2020-01-0733 min