Risky Benefits

Due to a quirk in the Affordable Care Act, lower- and middle-income employees are not able to access critical premium subsidies when the self-only health coverage offered by their employer is deemed affordable by the ACA. This means that even if the cost of family coverage does not qualify as affordable, the employee’s family is not eligible for premium assistance.

On mic is Carol Taylor, State Legislative Chair for the Florida Association of Health Underwriters, to talk about the new proposal to correct this issue, which has become known as the “family glitch”.

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

MORE ABOUT OUR GUEST:

Carol Taylor, REBC
State Legislative Chair
Florida Association of Health Underwriters (FAHU)

Carol Taylor, REBC, serves as the COO and Compliance Officer with Kirby Employee Benefits, based in Jupiter, Florida. She has been in the insurance industry for over 30 years in various capacities, ranging from insurance accounting, claims auditing, account management, self-funding and compliance.

In July of 2017, Carol stepped into the role of the Florida Association of Health Underwriters (FAHU) State Legislative Chair and serves on their Board of Directors. From July 2013 through June 2017, she served on the National Legislative Council for the National Association of Health Underwriters (NAHU), on various committees and assisted with responses to regulatory releases as well as gathering data on tens of thousands of plans nationwide to show the effects of the Cadillac Tax. She continues to serve on the national level, as a long-standing member of their Compliance Corner Committee and several other committees regarding broker transparency and compensation.

Carol was honored with the Florida AHU Scott Robertson Legislative Excellence Award in August 2019. She was recognized in February 2016 by NAHU for her assistance in legislative issues, particularly for her work on the Cadillac Tax, one of the tax provisions that was included in the ACA, that was repealed. Carol also serves as a national instructor for NAHU certification courses, in addition to developing course materials for their certification and designation courses. In addition, she has written several courses for the FAHU School and is the current Jacksonville AHU President.

Carol is currently working on a Juris Masters’ degree, specializing in healthcare/corporate/risk management compliance. In her spare time, she serves as Secretary on the Northeast Florida Scottish Highland Games & Festival Board of Directors and helps plan their one-day event with attendance in excess of 20,000 annually. She enjoys spending time with her family, cooking, getting wind therapy on her motorcycle, and quilting.

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

On mic is Christin Kuretich, Strategy Consultant at Milliman, and David Perry, FBMC's own Vice President of Enrollment Strategies, to talk with Rick about the effects of the Long Term Care Crisis. From family member burnout to the stress of paying for expensive care services, the growing need for Long Term Care is a crisis not yet acknowledged by the general public.

With more conversation and change in policy to support caregivers, we can improve the lives of those needing Long Term Care.

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

MORE ABOUT OUR GUEST:
 

Christin Kuretich
Strategy Consultant
Milliman

Christin Kuretich is a strategy & design consultant serving the supplemental benefits market. She has twenty years of marketing and voluntary benefits experience, including account management, product development and strategic selling. Christin works with carriers to design relevant and meaningful insurance products for today's climate. She can help support the product launch cycle at any stage – beginning with consumer research, ideation and design; throughout the development, creation and launch phases; and even post-launch, focusing on sales effectiveness, strategy and messaging based on field and consumer feedback.

Prior to joining Milliman, Christin spent twelve years with Trustmark Benefits – first as an implementation manager, then an account manager working with sales, brokers, enrollment firms and employers on the successful sale and execution of voluntary benefits. She is passionate about the market, and has a personal connection to nearly every product in today’s portfolio, which allows her to understand the customer journey with empathy.

MORE ABOUT OUR GUEST:

David Perry
Vice President, Enrollment Strategies at FBMC
FBMC

David is leading enrollment strategies and coordination efforts of employee benefit communication and engagement, including partnering with benefits consultants to design and engage employee benefits communication and programs.

David has an over 20+ years in employee benefits and his extensive background touches nearly all the functional areas in benefits, including implementation, account management, claims, benefits administration software, enrollment services sales and leadership.

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

Megan Richardson, Vice President of Consulting at Dynamic Corporate Solutions, is on mic with Rick to talk about the Great Resignation. As a Human Resources consultant, Megan leads the discussion on why employees are leaving their jobs in droves. Her experience and business acumen will make you reconsider what employees are looking for in the market and help you find solutions.

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

Tracy Cohen, President of Target Print & Mail, is on mic with Rick on Risky Business to discuss how she carried on her mother’s legacy to make Target Print & Mail a national print shop. Her journey to gain confidence and grow her business has inspired us here at FBMC, and we wanted to take a moment to celebrate the amazing women in our city. Listen to Tracy’s story as you celebrate International Women’s History Month with us.

MORE ABOUT OUR GUEST:
Tracey Cohen
President, Target Print & Mail
targetprintmail.com

I joined Target Print & Mail in 2004. Over the years I have worked in many different capacities – as a Customer Service Rep, with our Customized Course Notes, in Production, in Sales, as a Manager and finally as President in 2009. One of the things I love most about my job is that no day is the same as the one that came before it. Each day we face new challenges and projects, and seeing the creativity that comes from both our clients and our team is a huge thrill.

Bucket List: Going to the Oscars, Traveling to Every Continent But Antarctica, Professional Wine Taster
Favorite Tallahassee Hangout: A good show at Cascades Park
Quote to Live By: “Not all who wander are lost”

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

Mary O'Conner, MD, is on mic with Rick to talk about how musculoskeletal care delivery can improve with Vori Health. This Telehealth program provides patients with access to services like Surgery Prep and Recovery and Muscle and Joint Pain intervention. A personalized team of experts will work with you every step of the way to find a program that helps you get back on your feet and ready to move. Take a seat and listen in on Mary's introduction to Vori Health and how it can serve your employees.

MORE ABOUT OUR GUEST:
Mary I. O'Connor, MD
Co-Founder and Chief Medical Officer, Vori Health
Professor Emerita of Orthopedic Surgery, Mayo Clinic
VoriHealth.com

Healthcare Entrepreneur committed to improving the delivery of musculoskeletal care. Award winning Executive Physician Leader with vision and drive to make healthcare better for all. Strong business development profession working in the hospital and health care industry. Skilled in Innovative Value-driven Musculoskeletal Care Direct to Employer Models, Clinical Care Redesign, Medical Devices and Supply Chain Management, Professional Medical Compliance, and Healthcare Management. Committed to creating and supporting high performance teams. National leader on healthcare equity and addressing underserved communities; founder of Movement is Life, a non-profit multi-stakeholder national coalition committed to health equity.  

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

With the frantic race to open enrollment behind us, it’s time to catch your breath and reflect with Risky Benefits.

This week’s episode is dedicated to examining past experiences while they are fresh and using them to transform the future.

Here to help us is our guest Misty Guinn, Director of Customer Advocacy at Benefitfocus, a benefits technology platform that simplifies benefits administration for employers, health plans and brokers.

Misty shares her secret weapon you can use to help make next year’s enrollment season more of a walk in the park.


MORE ABOUT OUR GUEST:
Misty Guinn
Director of Customer Advocacy
Benefitfocus.com

As Director of Customer Advocacy at Benefitfocus, Misty works closely with the company’s customers and stakeholders to build relationships and experiences that cannot be replicated anywhere else, and designs programs that champion Benefitfocus’ brand, people and culture. In her previous role as director of benefits and wellness at Benefitfocus, Misty worked closely with suppliers, carriers, and brokers to create and manage plan design for employees to mitigate rising benefits costs. Misty is an employee benefits and total wellbeing thought leader and has been quoted in publications such as CNN, CBS News, BenefitsPRO, Human Resource Executive, and Employee Benefit News. 

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

Flume Health’s Chief Customer Officer, Kevin Schlotman, is on mic with Rick and Richard Koontz, FBMC’s Manager of Healthcare Innovation Development, to discuss how Flume Health engineered a new approach to healthcare. Their mission is to capitalize on up-to-date technology that helps clients build their healthcare vision; meanwhile, employees gain access to quality care that’s easy to navigate. Listen and learn more about how Flume Health provides seamless, cost effective solutions for third party administration. 

MORE ABOUT OUR GUEST:
Kevin Schlotman
Chief Customer Officer
Flume Health

Chief Customer Officer, Flume Health, Inc.  Kevin oversees Flume Health’s Customer Success and Stop-loss Teams.  He is a Certified Insurance Counselor (CIC) and serves as the organizational subject matter expert on self-funded health insurance benefits, compliance, benefit-cost containment, and healthcare product development. Kevin is a Past Chair of the Society of Professional Benefit Administrators (SPBA) – the preeminent national association of healthcare plan administrators and stop-loss insurers. He continues to serve on the SPBA Stop Loss Task Force, served as the Association Liasion to the NAIC, and consults and contributes to SPBA compliance and educational efforts intended for healthcare administrators and government regulators.
 
 Kevin has twice testified before the Department of Labor's ERISA Advisory Council including on the topic of Health Plan administrative simplification. He's delivered hundreds of educational seminars and webinars to employers about healthcare Plans and regulations, including to CPA’s and their clients, law firms, chambers, and other groups of business owners. Kevin is passionate about improving the healthcare dynamic for his clients and their employees.  He is constantly seeking opportunities to help his clients improve healthcare outcomes for their employees and families.

Richard Koontz
Manager of Healthcare Innovation Development
FBMC

Rich has 20+ years in leading client-facing change management teams in both the Health Care / Benefits and Technology industries. He excels at helping clients design, build and run high-performance employee services while reducing the overall operational costs to the employer. 

He also worked as a consultant with both Pharmaceutical companies and medical practices on process innovations and efficiencies. From this experience, he understands the information flows and interconnected processes across the Health Care / Benefit ‘Value Chain’. 

Most recently Rich has taken this industry knowledge and worked as Change Management consultant for Benefit Companies serving the Municipal, K-12 and Private sector, focusing on optimizing benefit costs for the client while improving services and lowering out-of-pocket costs for employees.

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

Care is in the details with WellVia teleheath. Experience a comprehensive telemedicine experience with the flexibility and freedom to get the care you need, when you need it. Chief Operating Officer Mark Woolery from WellVia is on mic to talk about the unique solutions offered by WellVia and how they have helped push innovation and exceptional customer service in the telehealth arena.

MORE ABOUT OUR GUEST:
Mark Woolery
Chief Operating Officer at WellVia Solutions
WellVia.com

Mr. Woolery earned his bachelor of administration in marketing and finance from Mississippi State University and his master of business administration from Southern Methodist University’s Cox School of Business.

As chief operating officer for WellVia , Mr. Woolery brings extensive experience as a healthcare executive to WellVia. Prior to joining WellVia, Mr. Woolery owned and operated a third-party administrator for supplemental benefits solely servicing approximately 500,000 lives. His attention to detail and strong understanding of plan design allows for WellVia to build customized and creative solutions, which produce unparalleled results within the industry. A lifelong servant-leader, fueled with a client-centric approach, Mr. Woolery takes great pride in ensuring that WellVia’s clients’ needs are not only met but exceeded. 

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

Join us as we talk employee recruitment and retention with Colene Rogers, talent management expert and author of Retention: Key Mindsets that Retain Top Talent.

As a human capital consultant, Colene dispenses practical, proven, easy-to-implement practices and strategies to help you improve employee satisfaction which leads to higher productivity, lower turnover and a stronger bottom line!

MORE ABOUT OUR GUEST:

Colene Rogers
The Talent Keeper

Colene Rogers is a speaker, executive coach and talent management expert with over 20 years’ experience in human resources and consulting. During this time, she has helped organizations grow and develop their most important asset: people. As a Senior Certified HR Professional, specializing in talent acquisition and management, Colene helps organizations to effectively recruit and manage top talent, increase employee engagement, improve critical communication and limit the high cost of turnover.

Colene identifies turnover as not just an issue, but “the issue” facing all organizations. For how well you retain your employees influences every other facet of your business. Colene’s fresh take on this most important topic has made her a highly sought-after keynote speaker and consultant. Her new book, Retention: Key Mindsets that Retain Top Talent, released in May 2020 and is a great leadership training tool.

Colene is a graduate of the University of Central Florida with degrees in Organizational Communication and Public Speaking. She has worked for Walt Disney World Entertainment, Hyatt Hotel Sales, and as an HR professional in nonprofit, private and state government.

Colene is a professional speaker of the National Speakers Association; a certified speaker, trainer, and coach with the John Maxwell Team; a certified trainer for Vital Smarts Crucial Conversations; a senior certified HR professional (SHRM-SCP) and a certified professional in human resources (PHR).

Find out more at www.colenerogers.com.

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.

It is not enough anymore to be the usual broker. As a service driven company, FBMC believes in the importance of an agile, knowledgeable broker to help clients get what they need. Jim Filmont, Vice President of Sales at FBMC, is on mic this week to talk more about the difference between business as usual for a basic broker, and the kind of brokerage that brings much needed solutions.


MORE ABOUT OUR GUEST:

Jim Filmont
National Vice President of Sales
FBMC.com

Jim Filmont is a highly respected sales executive whose 28 years in the financial and insurance markets have been spent building business success for companies such as Willis (now Willis Towers Watson), Raymond James, AON, Reliance Standard Life, and now FBMC.

Jim opened the Jacksonville, Florida, office for Willis in 2003 with nothing and grew the business to 23 companies of health and welfare clients, representing 55,000 employees and aggregate premium and premium equivalents of $400 million. Jim’s special abilities in building and maintaining relationships catapulted his success and continues to drive his efforts, especially his support of local charitable causes and community efforts.

Jim joined FBMC in September 2020 as a mentor to the Consultants. Jim took over the National Vice President of Sales role in April 2021 and continues to mentor Consultants, while driving strategy and innovation for FBMC.

Jim earned his B.A. from University of Delaware in 1991. In his off time, Jim enjoys surfing, boating, and spending time with family.

To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.