The Patient Physician

The Patient Physician

By Johanna Nuding, Paul Smith, Chris FullbrightBusinessMedicineHealth & FitnessMental HealthCareers
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The Patient Physician episodes

  • Estate Planning for Modern Families: Wills, Trusts, Prenups & More

    Estate planning isn't just about deciding who gets your stuff when you die. For modern families, it can involve blended families, prenups and postnups, minor children, incapacity planning, beneficiary designations, and decisions that can have very different consequences depending on where you live. Hear from estate attorney Brooke Hardie for a practical conversation about the estate-planning decisions families often overlook—and the mistakes that can become costly later.

    Brooke explains the differences between wills and revocable living trusts, including how probate can work differently in states such as Texas, California, and New York. She also explains how prenups and postnups can clarify separate and community property and why your beneficiary designations need to work with the rest of your estate plan. The conversation goes beyond wills and trusts to cover trusts for children, executor and trustee responsibilities, guardianship, incapacity documents, special-needs planning, and the important documents young adults should have when they turn 18. Brooke also shares her passion for legal literacy and her mission to make estate-planning concepts easier for families to understand.

    MEET OUR GUEST: BROOKE HARDIE, ESQ

    When Brooke started her law firm years ago from a tiny office with a card table, a chair, a phone and used copy of the Texas Probate Code, she’d never have guessed that the firm would ultimately grow to its current size and caliber. But the longer her short commute became, Brooke came to realize that as the Austin area continued to grow, it was imperative that she cultivate a team that is unique, gifted and hard-working in order that the firm could serve more people in the community.

    Enter Riley Alcozer and all of the other wonderful Hardie Alcozer team members. Having some of Austin’s finest talent show up at the office every day has allowed Brooke to become more available to mentor the firm’s younger attorneys and consult on the trickier client matters while maintaining her own client base. And she's now teaching legal basics to the rest of us through her podcast, Life is Legal.

    Brooke makes the law accessible to the non-lawyer. ⚖️ Follow @brookehardielawyer on IG for her entertaining adulting basics videos.

    Brooke Hardie's Practice Areas: Estate Planning, Probate & Estate Administration Education: J.D., University of Houston Law Center and B.A., University of Texas at Austin Bar Admissions: Texas

    TIME STAMPS:

    00:00 Welcome & The Estate Planning Checkup

    01:09 Meet Brooke Hardie, Esq.

    03:06 Brooke's Lawyer Origin Story

    07:43 Estate Planning for Modern Families

    09:40 Prenups, Postnups & Property Rules

    12:49 Wills vs. Revocable Trusts

    19:32 When Should You Update Your Estate Plan?

    22:23 Common Estate Planning Myths

    25:39 Trusts for Protecting Kids & Their Inheritance

    32:17 Executor vs. Trustee

    33:35 Estate Planning Essentials Beyond the Will

    37:16 Why Minor Children Shouldn't Be Named Directly

    38:17 An Intestacy Cautionary Tale

    41:28 A Special-Needs Trust Pitfall

    43:36 Making Time to Plan

    47:38 Online Documents vs. an Estate Attorney

    50:08 When Do You Need an Attorney?

    52:23 One Bite at Probate

    55:01 Making Guardianship Decisions

    56:13 Essential Documents for 18-Year-Olds

    59:17 The Sandwich Generation

    01:02:27 Why Estate Planning Can Feel Good

    01:03:19 Fair vs. Equal Inheritance

    01:04:49 Brooke's Legal Literacy Mission

    01:07:51 The Meaning of "Patient Physician"

    01:12:10 Closing Thoughts & Thanks

    This episode is for educational purposes only and is not legal advice. Estate-planning laws vary by state and individual circumstances. Consult a qualified attorney regarding your specific situation.

    Please email questions or show ideas to [email protected].

    Connect with Us on Social:

    • FACEBOOK
    • LINKEDIN
    • YOUTUBE
    • INSTAGRAM @physiciansRS

    The Patient Physician has been named Top 10 for physician-focused podcasts!


    Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    1 hr 13 min
  • Reclaiming the Doctor–Patient Relationship: Chiropractic Care & Nervous System Wellness with Dr. Christian Nelson

    What happens when chiropractic care becomes part of a truly collaborative, patient-centered approach to health? Dr. Christian Nelson of Advocate Wellness joins The Patient Physician podcast to explore chiropractic care, nervous system wellness, preventive healthcare, and the power of a stronger doctor–patient relationship.

    Dr. Nelson shares how severe neck and low-back pain as a teenager led to a transformative chiropractic experience—and ultimately inspired his career. He discusses building his practice during COVID and why longer visits, fewer patients, and “present time consciousness” can improve outcomes while reducing clinician burnout.

    The conversation also examines how chiropractors can collaborate with PTs, dentists, OBGYNs, mental health clinicians, neuro-optometrists, and other medical specialists—and why communication between clinicians can still be a major barrier to coordinated care.

    Dr. Nelson explains chiropractic’s approach to nervous system optimization, the health effects of chronic fight-or-flight activation, his treatment philosophy, the case for earlier pediatric and preventive care, and his perspective on sauna and cold-plunge practices.

    A conversation about moving beyond old stigmas, strengthening clinical collaboration, and rethinking what it means to care for the whole patient.

    MEET OUR GUEST: Dr. Christian Nelson’s life was changed at the age of 15 by a chiropractic adjustment after living in excruciating low back and neck pain for 6 years. After his second adjustment he decided to become a chiropractor and has dedicated his life to becoming an exceptional clinician. His clinical passions revolve around neuroscience, restoring the ideal brain-body connection, and helping to empower his patients in as many areas of life as he can. He and his wife, Mary Katherine, have three handsome boys and live right on the Fort Worth/Keller border. Dr. Nelson pursues jiujitsu (he holds his blue belt under Roberto Kaelin and Carlos Machado) and enjoys carpentry projects in his spare time. 

    Learn more and connect with Dr. Nelson: https://keller-chiro.com/ | https://www.instagram.com/advocatewellnesstx/

    TIME STAMPS:

    00:00 Welcome and Setup

    00:42 Meet Dr Nelson

    01:42 Launching Advocate Wellness During Covid

    03:34 Dr. Nelson's Chiropractic Origin Story

    04:45 Pain Relief Breakthrough

    08:27 Present Time Consciousness

    12:26 Longer Visits Better Care

    17:40 Reclaiming Doctor-Patient Bond

    20:19 Collaborating With Specialists

    24:21 How Referrals Actually Work

    29:16 Where The Stigma Came From

    33:37 Three Levels of Care

    34:24 Stress and Nervous System

    36:51 Fight or Flight Signs

    38:19 Blood Flow Under Stress

    42:20 Treatment Approach Explained

    45:21 Chiropractic in Care Teams

    49:59 Future and Pediatric Focus

    57:36 Cold Plunge and Sauna

    01:01:46 Patient Physician Meaning

    01:03:28 Closing Thanks

    Please email questions or show ideas to [email protected].

    Connect with Us on Social:

    • FACEBOOK
    • LINKEDIN
    • YOUTUBE
    • INSTAGRAM @physiciansRS

    The Patient Physician has been named Top 10 for physician-focused podcasts!


    Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

    1 hr 5 min
  • Dr. Vipul Kella on Physician Entrepreneurship, Health Tech VC, AI & Wearables

    In this episode of The Patient Physician, emergency physician and healthcare investor Dr. Vipul Kella discusses physician entrepreneurship, health tech venture capital, AI in healthcare, wearable devices, and the future of digital health.

    Dr. Kella shares his journey from practicing ER medicine to becoming a healthcare executive and general partner at Physicians Capital Fund, where he invests in early-stage healthcare startups. The conversation explores why many doctors are leaving clinical medicine, how physicians can transition into startups and venture capital, and where the biggest opportunities exist in healthcare innovation today.

    We also discuss:

    • physician burnout and loss of autonomy
    • health tech investing and startup evaluation
    • AI workflow tools vs AI hype
    • remote patient monitoring and wearable technology
    • software as a medical device
    • healthcare operations and back-office innovation
    • behavior change and patient adoption
    • improving healthcare access in underserved communities
    • Whether you're a physician, founder, healthcare operator, or investor, this episode offers practical insights into the future of healthcare innovation and digital health.

      MEET OUR GUEST: Vipul Kella, MD MBA, is a board-certified emergency medicine physician and healthcare executive with over 20 years of clinical and administrative experience, primarily in the Washington, D.C. metro area. He holds an MBA from Johns Hopkins University with concentrations in healthcare administration, finance, and entrepreneurship, as well as an MD from the University of Toledo and a BS in molecular biology from the University of Michigan. 

      Ten years into his career, Dr. Kella pivoted into a hybrid physician role wearing multiple hats: clinical medicine, general partner of Physicians Capital Fund, and medical and scientific advisory. Currently, he practices as an emergency medicine physician at Adventist Health Care. He has over a decade of experience in hospital executive roles.

      Learn more about Physicians Capital Fund: https://phycapfund.com/

      TIME STAMPS:

      00:00 Welcome and Dr. Vipul Kella Intro

      02:14 Detroit Roots and ER Calling

      06:22 Why Pivot Beyond Clinical

      09:55 Physician Entrepreneurship Mindset

      16:02 Venture Capital for Doctors

      18:07 Inside Physicians Capital Fund

      20:37 Deal Flow and Fund Strategy

      25:51 Software as Medical Device

      28:07 Remote Monitoring Future

      32:16 Access and Underserved Care

      33:44 Wearables Meet Reality

      34:05 Clinical Data Liability

      35:19 Wearable Data Overload

      36:30 Behavior Change Matters

      38:01 Mass Adoption And Access

      40:19 Why Doctors Are Leaving

      45:03 Reclaiming Autonomy

      47:32 Innovation Mindset Shift

      49:40 VC Pitfalls For Physicians

      54:57 AI Hype Vs Workflow Wins

      58:14 Who Gets The Savings

      59:55 Speeding Up Innovation

      01:02:04 Meaning Of Patient Physician

      01:04:47 Final Thanks And Outro

      Please email questions or show ideas to [email protected].

      Connect with Us on Social:

      • FACEBOOK
      • LINKEDIN
      • YOUTUBE
      • INSTAGRAM @physiciansRS

      The Patient Physician has been named Top 10 for physician-focused podcasts!


      Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

      1 hr 6 min
    • The Psychedelic Renaissance in Psychiatry: Ketamine, Breathwork & Patient Care

      What if the future of mental health care lies in revisiting ancient tools—through a modern clinical lens? In this episode of The Patient Physician, psychiatrists Dr. Zachary Herrmann and Dr. Sarah Slabaugh share their personal and professional journey to the forefront of psychedelic therapy. As a married couple and collaborators, they offer a unique perspective on mental health care, blending clinical expertise with lived experience to explore new frontiers in psychiatry. They explain how approaches like ketamine-assisted psychotherapy and breathwork are reshaping treatment for trauma and beyond. Healing isn’t just clinical—it’s deeply human. And the future of psychiatry may depend on embracing both.

      MEET OUR GUESTS: Dr. Zachary Herrmann & Dr. Sarah Slabaugh are a married team of board-certified psychiatrists who have worked together for over a decade. Their practice, HS Psychiatry, offers specialized psychiatric consultation and interventions for adolescents and adults. They apply Osteopathic and Holotropic principles to their work and specialize in psychedelic treatments such as ketamine-assisted psychotherapy and psychedelic integration therapy. The duo's values are grounded in patient-centered care, transparency, patience, and acceptance. Their hope for clients is that they find a space of inner exploration to discover their own deep wisdom. Learn more: https://www.hspsychiatry.com/ Connect: [email protected]

      TIME STAMPS:

      00:00 Welcome and Setup

      02:03 Meet the Psychiatrists

      04:50 Origins in Psychedelics

      09:23 Training and Definitions

      14:11 FDA Timeline and Setbacks

      21:39 Business and Treatment Models

      25:47 Inside Assisted Therapy

      32:12 Adolescent Research and Safety

      35:27 Insurance and Access Barriers

      37:05 Who Is a Good Fit Patient-Wise

      38:28 PTSD Treatment Limits

      39:46 Veterans Seeking Psychedelics

      41:26 Mindset And Safety Planning

      43:33 Therapeutic Alliance Matters

      44:52 Wellness Versus Diagnosis

      47:01 Grof Breathwork Explained

      51:43 Retreat Effects And Cell Phone Breaks

      54:35 Physician/Clinician Self-Care

      01:01:04 Advice For Struggling Doctors

      01:07:55 Meaning Of Patient Physician

      01:11:12 Closing And Documentary Suggestion

      Please email questions or show ideas to [email protected].

      Connect with Us on Social:

      • FACEBOOK
      • LINKEDIN
      • YOUTUBE
      • INSTAGRAM @physiciansRS

      The Patient Physician has been named Top 10 for physician-focused podcasts!


      Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

      1 hr 14 min
    • Disrupting Physician Staffing and Transforming Locum Tenens

      On this episode of The Patient Physician, meet Joe White, founder and CEO of SendIt Healthcare, a marketplace connecting health systems directly with physicians to reduce locums agency overhead and improve staffing transparency, efficiency, and quality. Doctors will benefit from this conversation by learning concrete ways to increase work flexibility and take-home pay, understand locums economics, and reduce credentialing and scheduling friction as a locum tenens doc. Joe traces his path from sweeping hospital floors to HCA executive roles and physician staffing leadership, during which he identified major flaws in the traditional staffing model, which sparked the creation of SendIt. Joe explains how the platform works and the mutual benefits to both doctors and healthcare systems. The conversation covers burnout, physician shortages, IMLC licensing benefits, corporatization, and how AI efficiency gains may shift expectations. 

      MEET OUR GUEST: JOE WHITE, a Las Vegas native, began his career in healthcare sweeping floors at a local HCA hospital. After earning his MHA from the University of Minnesota, Joe returned to HCA, where he spent nearly 10 years in senior executive roles and graduated from HCA's prestigious executive development program. Following his time at HCA, Joe joined a corporate management group focused on staffing hospital-based providers. These combined experiences, both as a hospital executive and a physician staffing leader, gave him firsthand insight into the challenges facing the locums industry. This unique perspective led Joe to launch Sendit, a solution that connects health systems with high-quality, affordable providers.

      SendIt is an innovative two-sided marketplace connecting physicians with healthcare organizations to efficiently fill locum needs. The platform empowers physicians to set their own rates and choose opportunities that fit their schedules and goals. Direct communication with healthcare organizations happens without hidden fees or unnecessary intermediaries. By reducing friction and increasing transparency, SendIt is reshaping locum work into a fairer, physician-first experience. 

      LEARN MORE: https://www.senditgigs.com/

      CONNECT with Joe and SendIt: LinkedIn , Facebook , Instagram

      TIME STAMPS:

      00:00 Welcome and Guest Intro

      01:38 From Sweeping Floors

      03:57 COVID and Staffing Pain

      04:55 Why Launch SendIt Healthcare

      06:15 Macro Shifts and Burnout

      10:10 Physician Shortage Solutions

      12:38 Credentialing Wallet and AI

      14:11 IMLC and Pricing Transparency

      16:27 Marketplace Autonomy and Scheduling

      26:44 Uber vs Locums Experience

      29:55 Gig Pay And Risk

      34:24 What Agencies Still Do

      37:29 Referrals Not Recruiters

      38:13 AI And Physician Leverage

      42:57 Quality Control And Reviews

      49:14 COVID, IMLC, and Ensuring a Fluid Workforce

      51:02 1099 Hybrid And LLCs

      53:17 Why Marketplaces Lagged

      55:55 Five-Year Vision

      57:47 Closing And Takeaways

      Please email questions or show ideas to [email protected].

      Connect with Us on Social:

      • FACEBOOK
      • LINKEDIN
      • YOUTUBE
      • INSTAGRAM @physiciansRS

      The Patient Physician has been named Top 10 for physician-focused podcasts!


      Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

      1 hr 2 min
    • Physician Contract Negotiation Strategies with Ashley Shaw

      In this episode of 'The Patient Physician,' meet Ashley Shaw, founding attorney at Contract Rx, to explain common misconceptions, negotiation tactics, and the critical terms doctors should watch for in employment contracts. With Ashley's extensive experience, she breaks down how even the smallest details can have significant impacts on a physician's career and financial well-being. The episode highlights the need for legal expertise to ensure that physicians are not disadvantaged by contract terms, emphasizing that everything is negotiable and that understanding one's contract is key to a successful medical career—a must-listen for medical professionals, especially those exiting residency and beginning their careers as physicians. 

      MEET OUR GUEST: Ashley Shaw is the founding attorney of Contract Rx, a law firm that focuses exclusively on physician contracts. As a physician contract expert, Ashley guides physicians through the contract process to negotiate what really matters in a physician contract. With nearly 20 years of legal experience, Ashley has helped thousands of physicians nationwide negotiate better contract terms and better compensation. Contract Rx empowers physicians by offering affordable flat-rate physician contract review and negotiation services that are tailor-fit for your physician contract. Learn more: mycontractrx.com | [email protected] | 314-282-7546

      TIME STAMPS:

      00:00 Welcome and Excitement for the Guest

      01:14 Introducing Ashley Shaw from Contract Rx

      01:34 The Role of Attorneys in Physician Contracts

      03:36 Negotiation and Misconceptions in Physician Contracts

      06:22 Importance of Contract Review and Legal Advice

      08:50 Understanding Compensation and Legal Terms

      13:12 When to Consult a Contract Attorney

      17:32 The Value of Specialized Legal Expertise

      29:39 Understanding Compensation and Its Impact

      30:08 The Importance of Contract Details

      31:37 Empowering Physicians Through Flat Fee Services

      32:48 Tailored Packages for Different Career Stages

      34:44 The Journey to Specializing in Physician Contracts

      36:41 The Bright Spots in Helping Physicians

      41:03 Negotiation Coaching and Empowerment

      45:22 The Value of Contract Reviews and Revisions

      54:04 Rapid Fire Questions and Key Takeaways

      57:15 Final Thoughts and Reflections

      Please email questions or show ideas to [email protected].

      Connect with Us on Social:

      • FACEBOOK
      • LINKEDIN
      • YOUTUBE
      • INSTAGRAM @physiciansRS

      The Patient Physician has been named Top 10 for physician-focused podcasts!


      Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

      1 hr 1 min
    • You're the Cure: From Conventional to Integrative Healthcare with Dr. Ben Edwards

      In this episode of The Patient Physician, meet Dr. Ben Edwards, founder and CEO of Veritas Medical and Veritas Wellness. Dr. Edwards shares his journey from a family legacy of conventional small-town doctors to embracing and championing root cause resolution medicine. Dr. Edwards delves into the limitations of conventional medicine, drawing on personal experiences and profound patient recoveries using integrative approaches. The discussion covers the four pillars of health: nutrition, hydration, movement, and peace, highlighting the transformative potential of understanding and addressing the underlying factors of disease. Dr. Edwards also touches on the role of epigenetics, patient education and empowerment, and the systemic challenges faced by healthcare providers. This insightful conversation underscores the need for a more holistic approach in medical education, healthcare, and patient responsibility in achieving wellness.

      MEET OUR GUEST: Dr. Ben Edwards has over 20+ years in the medical field. He is the host of "You're The Cure" Podcast (top 75 Functional Health Podcasts), where he educates people on getting to the root cause of disease, and teaching them how to NOT NEED a Doctor! Raised in Belton, TX, Dr. Edwards holds degrees from Baylor University and the University of Texas Medical School at Houston. He completed his residency at Waco's McLennan County Medical Education and Research Foundation before moving to West Texas in 2005 with his wife Jamie where Dr. Edwards was the only doctor in the county at the Garza County Health Clinic. After 7 years of practicing conventional medicine, a divine appointment opened his eyes to root cause resolution medicine. He is the founder and CEO of Veritas Medical and Veritas Wellness headquartered out of Lubbock, TX.

      TIME STAMPS:

      00:00 Welcome and Introduction

      00:53 Meet Dr. Ben Edwards

      01:46 Dr. Edwards' Journey to Medicine

      04:36 Discovering Root Cause Resolution Medicine

      08:13 The Limitations of Conventional Medicine

      13:19 His Nurse Practitioner's Journey to Healing

      18:55 The Turning Point: Integrative Medicine

      21:37 Challenging Medical Assumptions

      35:29 The Power of Epigenetics

      38:03 Epigenetics and Chronic Disease

      38:44 Historical Insights on Diet and Disease

      40:14 The Role of Modern Diet in Health

      41:07 The Influence of Thoughts and Environment

      42:15 Challenges in Medical Education and Practice

      46:22 Diet and Nutrition

      49:54 The Four Pillars of Health

      51:59 The Power of Spiritual Identity in Healing

      59:56 A New Approach to Medicine

      01:07:38 The Birth of Veritas Medical

      01:11:09 Final Thoughts and Reflections

      Please email questions or show ideas to [email protected].

      Connect with Us on Social:

      • FACEBOOK
      • LINKEDIN
      • YOUTUBE
      • INSTAGRAM @physiciansRS

      The Patient Physician has been named Top 10 for physician-focused podcasts!


      Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

      1 hr 14 min
    • Navigating Taxes, Medicine & Family with Erin Anderson, CPA

      In this episode of The Patient Physician, meet Physician's Resource Services' own Erin Anderson, a CPA with a unique background in agriculture, medicine, and business, to discuss the intertwining of her professional and personal life. Erin shares her journey from earning degrees in Agricultural Economics and Accounting to becoming a CPA, and her valuable experience in tax planning for medical professionals. Supported by her unique perspective as the spouse of an anesthesiology resident, Erin emphasizes the importance of tax planning rather than tax filing, offering invaluable advice on tax strategies for physicians. She also delves into the personal challenges and triumphs of balancing her career, supporting her husband through his medical training, and raising three children, offering a deeply personal look into the life of a physician's spouse. 

      This material is provided as a courtesy and for educational purposes only.  Please consult your investment professional, legal or tax advisor for specific information pertaining to your situation.  Advisory services offered through PRS Investment Advisors, a Member of Advisory Services Network, LLC. Tax services and insurance products offered through Physician’s Resource Services. Advisory Services Network, LLC and Physician’s Resource Services are not affiliated. All information contained herein is derived from sources deemed to be reliable but cannot be guaranteed. All views/opinions expressed in this podcast are solely those of the presenters and do not reflect the views/opinions held by Advisory Services Network, LLC.

      MEET OUR GUEST: Erin Anderson, is a Certified Public Accountant with a unique background that bridges agriculture, business, and medicine. Erin earned her bachelor’s degree in Agricultural Economics and Accounting and her master’s degree in Agriculture from Oklahoma State University. She became a CPA in 2018 and has since built her career around tax planning and preparation, working in both industry and public accounting before joining PRS in December 2021. What makes Erin’s perspective especially valuable is her connection to the medical field — she’s married to a physician currently completing his residency, giving her firsthand insight into the financial challenges and opportunities that come with a career in medicine.

      TIME STAMPS:

      00:00 Introduction and Guest Background

      02:40 Erin's Journey into Accounting

      04:06 The Unique Perspective of a CPA Married to a Physician

      08:35 Common Tax Mistakes Physicians Make

      15:51 W2 vs. 1099: Tax Strategies for Physicians

      26:58 The Importance of Tax Planning

      31:18 Providing Value to Clients with Tax Strategies

      32:06 The Importance of Proactive Meetings with CPAs

      32:43 Navigating Life Changes and Financial Decisions

      34:08 The Unique Challenges of Physician Spouses

      36:11 Personal Stories and Sacrifices

      39:39 Support Systems and Community

      44:04 Looking Forward: Future Plans and Advice

      54:37 Final Thoughts and Reflections

      Please email questions or show ideas to [email protected].

      Connect with Us on Social:

      • FACEBOOK
      • LINKEDIN
      • YOUTUBE
      • INSTAGRAM @physiciansRS

      The Patient Physician has been named Top 10 for physician-focused podcasts!


      Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

      58 min
    • Disability Insurance Decoded: Making Sense of Coverage and Claims

      In this episode of 'The Patient Physician,' we delve into the nuances of disability insurance with Derek True, the brand & operations manager for The DI Center. The conversation explores medical underwriting, policy exclusions, and the importance of early claims reporting. Derek explains the significance of securing coverage early in a medical professional's career, the role of Guaranteed Standard Issue (GSI) offers, and how trends and technology are shaping the industry. The episode provides valuable insights for physicians seeking to understand the intricacies of disability insurance policies and best practices for ensuring timely and fair claim payments.

      MEET OUR GUEST: Derek True, DIA, DHP is the Brand & Operations Manager for The DI Center, a Brokerage General Agency in Allen, Texas, that makes asset protection and income protection easier for producers nationwide. 

      Derek oversees brokerage marketing and underwriting processes with a knack for the competitive landscape. He has presented to audiences throughout the country on disability insurance, operational excellence, and sales. So we thought he’d be a great guest to tackle the disability insurance 101 questions that we field all of the time from our physician clients.

      Derek has been an active member of the National Association of Insurance and Financial Advisors since joining The DI Center in 2011, shortly after graduating from Texas Tech University. He is the current NAIFA-Dallas President-Elect and has served on the NAIFA-Texas Membership Value and TLRT Committee since 2021. He is also a member of the Texas Leaders Round Table (TLRT) and the International DI Society (IDIS). 

      Derek is also a family man, active in his community, and leads within his church, and enjoys travel and sports. 

      TIME STAMPS:

      00:00 Introduction and Greetings

      00:46 Meet the Guest: Derek True

      03:25 Derek's Career Journey

      06:10 Understanding Disability Insurance

      08:38 Mental Nervous Exclusions in Insurance

      15:59 Spine and Other Common Exclusions

      30:02 Guaranteed Insurability and Policy Increases

      36:40 Understanding Variations in Insurance Underwriting

      37:19 The Role of Underwriters and Market Dynamics

      38:35 Shopping for Insurance: Informal Inquiries and MIB

      40:44 The Impact of Technology on Underwriting

      45:12 Accelerated Underwriting and COVID-19

      47:31 The Importance of Full Disclosure in Underwriting

      52:05 Group Coverage and Guaranteed Standard Issue (GSI)

      01:05:39 The Claims Process: Best Practices and Common Pitfalls

      01:13:45 Final Thoughts and Reflections

      Please email questions or show ideas to [email protected].

      Connect with Us on Social:

      • FACEBOOK
      • LINKEDIN
      • YOUTUBE
      • INSTAGRAM @physiciansRS

      The Patient Physician has been named Top 10 for physician-focused podcasts!


      Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

      1 hr 16 min
    • A Home Buyer's Guide for Doctors

      In this episode of 'The Patient Physician,' we explore the intricacies of home buying for physicians with Tony Kruse from First Horizon Bank. Tony shares valuable insights from his 31 years in mortgage lending, offering practical advice for new physicians on making informed financial decisions when buying a home. The discussion addresses common challenges physicians face, including dealing with high student debt, navigating job transitions, and planning for future financial stability. The episode emphasizes the importance of early preparation and consulting with financial advisors to ensure a smooth home-buying process. 

      MEET OUR GUEST: Tony Kruse is a Mortgage Loan Officer with First Horizon Bank in Dallas, TX who specializes in fixed rate and adjustable mortgages and refinancing home loans. Tony has worked in the financial services industry since 1995. Tony is passionate about getting physicians into the home of their dreams and working closely with Realtors to make the home buying process an enjoyable, hassle free experience for everyone involved. Email: [email protected]

      TIME STAMPS:

      00:00 Introduction and Greetings

      00:51 Discussing Home Buying with Tony Cruz

      02:15 Tony Cruz's Background in Mortgage Lending

      06:30 Details of Physician Loan Programs

      12:16 Adjustable vs Fixed Rate Mortgages

      20:25 Regional Lending Limitations and Banking Crisis Impact

      23:26 Navigating Interest Rates and Depository Balances

      23:57 Changes in the Application Process

      24:27 Debt-to-Income Ratios and Housing Costs

      25:37 Texas Housing Market Trends

      28:03 Physician Loan Benefits and Rates

      31:24 Student Loans and Debt-to-Income Calculations

      34:02 Tips for Prospective Homebuyers

      35:52 Challenges and Solutions for Physician Loans

      38:10 Advice for New Physicians on Home Buying

      45:23 Concluding Thoughts and Final Advice

      Please email questions or show ideas to [email protected].

      Connect with Us on Social:

      • FACEBOOK
      • LINKEDIN
      • YOUTUBE
      • INSTAGRAM @physiciansRS

      The Patient Physician has been named Top 10 for physician-focused podcasts!


      Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

      49 min

    About The Patient Physician

    From the publisher's feed

    Welcome to The Patient Physician, a space for doctors to explore their physical, mental, and financial wellness. Your peers and industry leaders will destigmatize institutional…