"Employers are at a point where they want to help create that ideal healthcare system, not the one that they have been dictated to."

Is your company's health plan actually keeping your employees healthy, or is it just waiting for them to get sick?

My guest this week is Ben Miller, Chief Revenue Officer at Premise Health, the nation's largest direct healthcare provider operating over 850 onsite and near-site wellness centers. Ben joins the show to discuss why the traditional fee-for-service model is failing both employers and employees, and how Advanced Primary Care is stepping in to serve as the new "front door" to the healthcare system.

In this episode, we break down what Advanced Primary Care actually entails, from integrated behavioral health and lifestyle medicine to onsite pharmacies offering 90-day prescriptions for $1. Ben shares the results of a massive Milliman study showing how this model reduces total claims costs by an astonishing 30%. We also cover how employers of various sizes can implement near-site clinics, address employee privacy concerns, and utilize Epic-integrated care navigation to guide patients to high-quality, cost-effective specialists.

If you are an employer or benefits consultant looking for a proven strategy to bend the cost curve while delivering an incredible healthcare experience to employees, this episode is a must-listen.

Thank you to our 2026 sponsors!

ParetoHealth: ParetoHealth empowers midsize employers with a long-term solution to reduce volatility and lower overall health benefits costs. Visit https://www.paretohealth.com/fully-insured-vs-self-funding-with-paretohealth-spencer-podcast/?utm_source=youtube&utm_medium=referral&utm_campaign=SelfFundedwSpencer to learn more.

Samaritan Fund: A program that connects those who need help to the support they need. We are proud to offer the Samaritan Fund Program. Visit SamaritanFundProgram.com to learn more.

Vālenz Health: We're Vālenz Health, your partner in improving health literacy, reducing plan spend, and delivering high-value healthcare. Visit ValenzHealth.com to learn more.

Imagine360: Imagine360 helps self-funded employers save on healthcare with smarter health plans. Cut expenses by 20-30% with custom solutions. Contact us today at Imagine360.com.

Chapters:

(00:00:00) Intro: The Shift Towards Advanced Primary Care 

(00:00:33) Meet Ben Miller & Premise Health 

(00:02:17) Defining Advanced Primary Care, On-Site, and Near-Site Clinics 

(00:05:06) Ben's Journey from Kaiser Permanente to Premise Health 

(00:10:32) The Breaking Point: Why Employers are Flocking to APC 

(00:16:07) How to Build and Customize an On-Site Clinic 

(00:20:11) Creating the "Front Door" to Healthcare & Navigating GLP-1s 

(00:25:20) Integrating Behavioral Health & Lifestyle Medicine 

(00:28:29) The On-Site Pharmacy Experience ($1 Medications) 

(00:30:22) Overcoming the "Big Brother" Privacy Stigma 

(00:32:36) The Milliman Study: Proving a 30% Reduction in Claims Cost 

(00:36:12) Group Size Requirements & The Power of "Coopetition" 

(00:39:35) Managing Catastrophic Risk & Epic Care Navigation 

(00:43:43) Expanding the Clinic: PT, Dental, and Vision Services 

(00:49:54) How Claims & TPA Integration Actually Work 

(00:52:33) Closing Thoughts: The Future of Employer-Sponsored Care

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