Episodes
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In this episode, Emma and David dive into the gut punch of losing a long-time client right before Thanksgiving. After saving them a jaw-dropping $85 million, the client still jumped ship, swayed by a new exec chasing the clout of a big-name broker. The conversation cuts into the disconnect between what employers think their employees want and what they actually need in healthcare.
Emma and David don’t hold back their frustration with the industry’s obsession with flashy brands and so-called "free" services—distractions that mask skyrocketing costs and subpar care. Now stepping into a consulting role with the client, they hammer home the critical need for transparency and bold leadership from employer groups.
The episode wraps with a direct challenge to employers: it’s time to rethink your health insurance strategy and the brokers you're trusting with it.
TIMESTAMPS:
[01:15] Losing a major client and reevaluating their decision-making process.[04:08] Concerns about the client transitioning to a traditional broker.
[12:00] The compensation structure for traditional brokers.
[20:04] The potential resistance from large brokerage firms toward greater transparency.
[27:20] Growing public dissatisfaction with large health insurance companies and the increasing shift away from traditional insurance models.
"What’s of the greater value, the $85 million or the couple hundred thousand dollars worth of free stuff you get every year?" -David Contorno"We have convinced employers that our value is not on what we can do to control healthcare costs; our value is on all the things that we put around that." -David Contorno"The perception of having a brand name really is more important than the value of not, and truly, if you are paying attention to the American public's reaction... they do not want big health insurance."- Emma Fox
QUOTES:
SOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/Mixed & Edited by Next Day Podcast
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In this episode, Emma and David delve into the shocking assassination of Brian Thompson, the CEO of UnitedHealthcare, exploring its implications on the American healthcare system. They discuss the public's lack of sympathy for Thompson, highlighting how his leadership contributed to a significant increase in denial rates for healthcare services. The conversation reveals a growing awareness among consumers about the systemic issues within health insurance, as many express their anger and frustration over personal experiences with the system.
Emma & David reflect on the morality of the situation, acknowledging the tragedy of Thompson's death while also recognizing that it has sparked a much-needed dialogue about accountability in healthcare. They critique the responses from UnitedHealthcare's leadership, particularly Andrew Witte, who downplays the public outcry and dismisses the concerns of millions affected by the insurance system. The episode emphasizes the need for change and encourages listeners to understand the complexities of healthcare access and the profit-driven motives of insurance companies. Ultimately, it serves as a call to action for both consumers and industry leaders to seek a more equitable healthcare system.
TIMESTAMPS:[00:40] The assassination of United Healthcare CEO, Brian Thompson and the reaction of the public.
[04:34] Denial rates under Thompson’s leadership
[09:25] Moral implications of Thompson’s death
[14:20] Quotes from Andrew Witte analyzed
[18:12] United Healthcare’s revenue and impact
[25:27] Future of healthcare accountability
"It took a millionaire executive of a large publicly traded company to die in a sensational fashion for it to really matter. Millions of people have died, but their deaths didn't garner the same attention." -David Contorno"When millions of Americans are taking to social media to celebrate the broad daylight assassination of a human being, there is a freaking problem." -Emma Fox"Andrew Witte is weaving a thread of truth in his lies. Yes, doctors over-prescribe and over-treat, but that does not justify the role that United Healthcare plays in denying care." -David Contorno
QUOTES:
SOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
THANKS! -
Missing episodes?
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In this thrilling episode, we dive deep into the drama of healthcare and politics, exploring how recent elections could transform the future of healthcare legislation. Our hosts dissect the heated debate around RFK’s controversial healthcare nomination, questioning the leadership behind life-altering decisions for millions. We then shift to the inspiring rise of grassroots movements fighting for a people-first healthcare system, showcasing how citizens are driving real change. Ending with a powerful call to action, this episode is packed with tension, insights, and stories that will keep you hooked from start to finish.
TIMESTAMPS
[00:54] Political elections and their impact on healthcare, with a comparison to historical events.
[02:25] The likelihood of bipartisan healthcare legislation lasting and the challenges of political compromise.
[03:52] The frustration of political barter, where healthcare decisions are treated as leverage rather than focusing on the needs of the American people.
[06:20] RFK’s healthcare nomination and the emphasis on needing qualified individuals with clinical experience in decision-making.
[16:15] How grassroots movements are shaping healthcare conversations and their influence on policy reform.
[19:43] Insightful take on the future of healthcare legislation and the power dynamics that continue to affect real change.
QUOTES
"It infuriates me that we have people making pretty substantial decisions about how to deliver and finance healthcare in this country who can't even tell me the difference between health insurance and health care. We’re staunch proponents of putting clinicians in charge, or at least in an advisory capacity, to help us understand how this should work."- Emma Fox"We've gotten into this bipartisanship where you can't even see one bit of good in what the other side proposed. It's become an all-or-nothing thing, and that’s a shame. If I get 80% of what I'm asking for, I'll take it and deal with the other 20% later. But no one settles for less than 100% anymore."- David Contorno"The more I figure out how healthcare legislation works, the more annoyed and angered I become. It feels like as much as we’d like for this to be about Americans, it's really not. It's about using the American people as leverage in political bartering."- Emma Fox
SOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/Mixed & Edited by Next Day Podcast
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Hosts Emma and David pull back the curtain on the explosive $7.75 billion deal between Marsh and McGriff, unpacking what this massive consolidation means for healthcare costs, broker incentives, and the future of the industry. Is your broker really working for you? Or are big players pulling the strings? They dive into the controversial concept of employer 'Stockholm syndrome,' debate the value of wellness programs, and break down why traditional insurance might be failing us. With broker compensation models under the microscope and a fierce comparison of Medicare Advantage vs. commercial plans, this episode hits the heart of the biggest challenges in insurance today. Don't miss out on action-packed insights and the future of independent advisors in a world dominated by giants.
TIMESTAMPS
[02:13] Concerns about consolidation in the insurance industry[05:56] Criticism of large brokers' influence on healthcare costs
[09:21] Financial incentives and Stockholm syndrome
[16:13] Future of consolidations
[18:51] Treating patients as numbers
[24:48] Being swayed by incentives
[27:50] Motivation behind charitable acts
QUOTES
“I think to deny the influence of financial incentives is to deny humanity. We've had it for years, not years, millennia. And we need to recognize these are the financial incentives.” David Contorno“Like at some point us folks who are independent, who are running family based businesses, who are giving advice as individual experts, who have paid our own way through certifications and education, and C.E. have done it all ourselves from our own pocketbooks to build these businesses from scratch. It lessens our ability to help and give incentives that are good when these big massive entities are buying each other and will, like I said this a few months ago, I've been saying this for a couple of years.”-Emma Fox“And I will say, listen, I'm a former carrier rep. I never knew that what I was doing was bad until I found out I did not go to work with this evil grin and this, ooh, I can't wait to see who I'm going to screw over today. That never occurred to me. I was very well trained. I was very well hypnotized by a lot of very important board meetings.”- Emma Fox
SOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/Mixed & Edited by Next Day Podcast
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In this episode, Emma & David break down the world of self-funding in healthcare, tackling the big myths and uncovering game-changing strategies. Employers often fear self-funding is too risky, but guess what? Many are already doing it through captives without even knowing! They’ll explain the difference between fully insured and self-funded plans, clearing up the confusion.
The conversation then shifts to cutting healthcare costs. From avoiding level-funded plan overcharges to leveraging free drug programs and direct contracts, they explore smart ways to save. But it doesn't stop there—they also shine a light on systemic issues in healthcare, like the urgent need for cost transparency to prevent crushing medical bills.
It's a can't-miss episode for anyone looking to take control of their healthcare costs!
TIMESTAMPS
[02:20] How fully insured actually works
[06:45] Who is paying the claims
[09:27] What is level funding
[15:40] What Emma & David actually do at E Powered
[20:04] The common loss outcome
[22:38] Transparency in healthcare costs
[24:11] Advice for employers
QUOTES
“The difference though is that in fully insured you have no control over where the risk comes off your shoulders. You're forced to do with whatever the carrier thinks, and oftentimes that number is a lot higher than you would do on your own because they're aggregating multiple employers, sometimes thousands of employers, into this pool.”-David Contorno“I think the opposite is true. I think you're taking a far bigger risk being fully insured and allowing those people that representation to manage your health plan. I think that is far riskier and you have no control over it. You can't do anything. It's sort of like people ask me about the transparency data. Isn't it great that we have price transparency? I mean sort of, but not really because we're not doing anything with it or about it. And so I just get to see how badly I'm being screwed over. I still can't do anything about it. So you're absolutely right.”- Emma Fox“And I think we need to stop, like, putting our blinders on and pretending like it's not happening when it's, it's. The most common outcome is loss and more loss and more loss. Which is funny. It's not just funny, it's ironic when you consider how much loss comes from buying something that's supposed to protect your risk. Like make it make sense, I guess.” -Emma Fox
SOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/Mixed & Edited by Next Day Podcast
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In this episode of Healthcare Hangover, Emma and David dive into a head-to-head comparison of the healthcare policies shaping the 2024 election. They break down Kamala Harris’s plan to expand the Affordable Care Act and continue Medicare price negotiations, while Donald Trump pushes for deregulation and more private Medicare options. But are either of them really addressing the root problem—runaway healthcare costs? The hosts dig into the facts, revealing the shocking truth: the U.S. healthcare system ranks last among major economies, with annual spending soaring past $4 trillion. It’s a wake-up call that the status quo isn't sustainable.
“But at least before I could live in ignorance, right? Like, now I'm I'm aware that I'm being screwed when I'm in an insurance plan.”- Emma Fox“But the problem that we need to solve for, I think, as the number one problem is one of psychology, because hospitals bill at this fictitious, massively inflated starting price and the carriers are then able to negotiate a large discount off of that starting price, still resulting in the highest price not just paid for healthcare in the US, but the highest price paid in the entire world or all of humanity ever. But that methodology, that process of high starting price discount and still a higher ending price than any other way of paying for care leads people to think that the carrier is providing the value, that is that discount.”- David Contorno“You know, I think it kind of comes back to what you and I have chosen to do for a living within the bounds of our industry, which is there's a lot of our focus that ends up being on public health, because I think that, you know, I tell people this all the time when I. When I speak or when I write, is that you really have to understand the ins and outs of the public healthcare infrastructure or the public health infrastructure in order to understand how we're financing it from.” -Emma Fox
Tune in for a critical look at Trump's COVID-19 response, the future of universal healthcare, and why a hybrid system blending government-funded primary care with private insurance might be the answer. As the election looms, Emma and David challenge you to research the candidates, get informed, and make healthcare a top priority when you vote!
TIMESTAMPS:
[01:07] David’s politically neutral LinkedIn post.
[06:16] Addressing the issue if we don’t understand the issue.
[16:15] US healthcare system ranked last among 10 largest economies
[18:44] Medicare in political crosshairs
[25:55] Debate on universal healthcare
QUOTES:SOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
Mixed & Edited by Next Day Podcast -
In this eye-opening episode of Healthcare Hangover, we explore the powerful, emerging world of ketamine-assisted therapy. Inspired by the Netflix documentary How to Change Your Mind, the conversation kicks off with personal stories of overcoming anxiety and panic attacks, shedding light on the emotional breakthroughs that ketamine therapy can unlock.
“And actually, it's. It's been interesting being a child of abuse because in some ways it's given me this. This resilience that I don't think I would have had in any other sort of upbringing. But I talked about this a couple years ago at the women's leadership summit, that sometimes having this type of resilience can be really toxic.” -Emma Fox“I think everybody has trauma and I know I do, although I didn't really recognize it until I was 46, 47 years old. It was pretty recently, but I'm now seeing how deep it actually has affected me in a negative way for my whole adult life, young adult and current.” -David Contorno“So seeing that with some level of objectivity or some removal from the situation, even though it was my situation, has been very helpful in sort of processing it, which, I guess is the point, right?” -Emma Fox
Our hosts dive deep into their transformative experiences, uncovering childhood traumas and family dynamics that have redefined their adult relationships. It’s a raw and revealing discussion that brings to life the potential of this cutting-edge treatment.
We also cover the nuts and bolts: what to expect in future sessions, why combining ketamine with psychotherapy is crucial, the cost of treatment, and how to find reputable providers. Plus, we offer some practical next steps, like exploring Enthea for referrals and reviewing your health plan for possible coverage.
If you’ve been curious about ketamine therapy or are seeking new ways to manage mental health, this episode is a must-listen!
TIMESTAMPS:
[05:11] Experience of abuse and toxic resilience
[08:48] What to expect with ketamine therapy
[13:01] Detailed account of visualizations, emotions and “whooshing”
[18:44] Childhood memories and their meaning as an adult
[21:29] Expectations for future treatments
[23:42] Accessing proper ketamine assisted therapy
[26:03] Expected cost and duration
QUOTES:
SOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/Mixed & Edited by Next Day Podcast
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In this episode, David & Emma tackle the shocking truths about the U.S. healthcare system and how insurance, rather than providing financial relief, can often leave you paying far more than if you went without it. Our hosts dissect the myth of negotiated insurance discounts, explore real-world examples of inflated costs, and question why Americans continue to pay exorbitant premiums, deductibles, and co-pays while receiving subpar care. Featuring thought-provoking discussions on the hidden motives behind health insurance, ways to access affordable care, and how to break free from what we call "Stockholm syndrome" with traditional insurance. Tune in for insights, data-driven revelations, and actionable solutions to help you reclaim control of your healthcare decisions.
TIMESTAMPS:
[00:20] Health Insurance Misconceptions
[02:27]Health insurance perceived differently compared to other types of insurance
[04:14] - Insights from a hospital CEO about billing challenges and frustrations with payers.
[07:09] - Exploration of the complexities of premiums, deductibles, and copays.
[10:39] - Examination of U.S. health outcomes compared to other countries.
[22:00] - Direct primary care as a potential solution in healthcare.
QUOTES:
"If you want different results, employers, employees, patients, do the opposite. Instead of following the traditional paths that have led to frustration and inefficiency in the healthcare system, consider taking a bold step back and re-evaluating how you approach healthcare and health insurance. Challenge the norms that have been ingrained in us and explore alternative methods that could lead to better outcomes for everyone involved." -David Contorno“And so another way to think about that is when you go and get care and you throw down your BUca based id cardinal that has a buccal logo on it, you are preordaining contractually, not subjectively, not hypothetically, but contractually preordaining you and your health plan to paying the highest price, not just in healthcare, not just in the US, but frankly, known to humans ever in the history of humankind.” -David Contorno"It is not impossible to build a health plan that allows an employer to pay 100% of the air quotes premium for that plan and make it so that there is no deductible and no out of pocket, and they would still save more money than signing that contract with a Buca." - Emma FoxSOCIAL MEDIA LINKS:
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE:E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/ -
In this episode, our hosts dive into the systemic issues plaguing healthcare, from doctor compensation and broker commissions to the broader dysfunction of the benefits system. They reveal how misaligned incentives lead to inefficiency, frustration, and rising costs, all while touching on key insights from the recent Health Benefits Nation conference. Topics include the controversy around GLP-1 medications, BMI policies, and the struggle employers face in adopting innovative, cost-saving strategies. Listen to hear why Emma & David have concluded we ultimately need to shift from reform to rebirth in the way healthcare is structured and managed.
TIMESTAMPS:
[01:38] Discussion on compensation
[05:01] Conference Insights
[11:09] Importance of representation & transparency
[14:49] - Employer responsibility regarding their healthcare plans.
[22:20] Awakening brokers and consultants to the realities of the healthcare system
QUOTES:
"At the end of the day, I think the entity, the stakeholder with the most leverage is the one who's the most quiet, which is the employer, because they're not only managing the dollars they're spending, but they're essentially responsible for managing the dollars that the employees are spending, whether it's the contribution out of their paycheck or their out of pockets." -David Contorno"And I think you're absolutely right. Severity is not so much of an issue. Really? Right? And so one of the talking points around, specifically around GLP one, because it was a big topic. And so it was a very big point of discussion. But someone brought up the rebates. And I said on the stage, I think you mean bribes, because rebates only benefit those that they get returned to." -Emma Fox"And so many have said that that awakening changed their path, and that's really what we need at the employer level, at the doctor level, and at the broker level, because if we can get a large enough group to change their path, then we can actually make a difference in how the system works."- David ContornoSOCIAL MEDIA LINKS:
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE:
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
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In this eye-opening episode, David Contorno and Emma Fox dive into the harsh realities many face in accessing life-saving medications for chronic conditions. They share a heartfelt story of an 11-year-old boy desperate to help his mother, who lost access to her crucial MS medication due to an unexpected change in her health insurance plan. The discussion sheds light on the complexities of health insurance, the hidden options available, and how unaffordability can strike without warning. Emma and David provide practical advice on navigating these challenges, from leveraging manufacturer assistance programs to sourcing medications internationally. Join them as they unravel the tangled web of healthcare, offering hope and actionable strategies for those struggling with similar issues.
TIMESTAMPS:
[01:06] Story of an 11-year-old boy asking for help for his mother
[04:33] High-deductible HSA plans vs. copay PPO plans
[07:28] Manufacturer assistance programs, coverage issues, qualification requirements
[10:33]How drug coupons work and their impact on self-insured plans
[17:31] GLP-1 drugs (e.g., Trulicity, Ozempic) pricing and sourcing strategies
[24:49] Importance of consulting doctors when considering medication alternatives
[29:14] Emphasis on the responsibility of benefits consultants to impact company and employee finances
QUOTES
"It has these horrific downstream effects, like eleven year old boys who are asking practical strangers to help his mom. You know, it really hurt my heart."- Emma Fox"But I wanted to explain that because coupons are, if you're in a fully insured plan, I, when I say I don't care, I do care a little, but I don't care nearly as much as when you're in a self-funded plan." - Emma Fox"Imagine if you were compensated for figuring out the things that we're talking about here. [...] You're impacting the money coming into their house and the money coming out of their house to a very large degree." -David ContornoSOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
Mixed & Edited by Next Day Podcast
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In this episode, Emma Fox and David Contorno explore the intertwined complexities of fiduciary responsibility and the hidden costs in healthcare. As employers face increasing scrutiny under ERISA and rising lawsuits, the conversation unpacks the critical roles of pharmacy benefit managers (PBMs) and healthcare carriers in shaping healthcare pricing. They discuss spread pricing, the importance of transparency, and the evolving responsibilities of employers and advisors. With insider insights and real-life examples, Emma and David offer a comprehensive look at how to navigate the delicate balance of fiduciary obligations while exposing systemic flaws that burden both employers and employees.
TIMESTAMPS:
[00:28] David and Emma discuss the increasing use of the term 'fiduciary' in healthcare
[04:36] Employers are fiduciaries for their health plans but often unaware
Fully insured plans & fiduciary duties
[11:21] PBMS -spread pricing, revenue, lack of transparency
[24:52]Recent lawsuits against Johnson & Johnson and Wells Fargo for mismanaging drug costs
[26:38] Fiduciary responsibilities under ERISA
[33:26] Payment integrity departments in carriers often lack true integrity
[37:44] Younger generations may drive change in healthcare systems
QUOTES:
"You have to choose the right consultant, and finding the right consultant can be really hard because... there are a lot of people that you can find on LinkedIn who are saying all the right things, but that does not mean that they are doing the right things."- Emma Fox“I don't know, but I think transparency, they say that a spotlight is the best disinfectant or transparency is what really opens it up. And I think that's what we need to focus on. We need to focus on, most employers can't even access the information they need to be a fiduciary. So we need to really talk about transparency.” -David Contorno"If you are an employer listening to this, it is now crucial that you make a right selection... you have to be brave enough to say that being with a bucca, being with the CEO, increases my risk of violating my fiduciary responsibility." -Emma FoxSOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
Mixed & Edited by Next Day Podcast
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In this eye-opening episode, Emma Fox and David Contorno dive deep into the often-overlooked mechanisms that drive healthcare costs higher year after year. Emma shares her viral LinkedIn post about being "anti-BUCA" (Blue Cross, United, Cigna, Aetna) and the heated debate that followed. The conversation unveils the truth behind medical loss ratios, pre-certification practices, and the intricate systems that benefit insurers at the expense of employers and employees. Tune in to understand why challenging the status quo is essential for creating fair and transparent health plans.
TIMESTAMPS
[01.22] The anti-BUCA (Blue Cross, United, Cigna, Aetna) stance
[04.42] David explains how pre-certification is used to control care and ensure claims go up
[10.36] Discussed an article about Aetna's former medical director ignoring patient records
[11.15] Correlation between premium increases and carrier stock prices
[16.43] Higher standards their plans are held to compared to traditional carriers
[19.19] History and purpose of pre-certification in healthcare
[24.27]Story of a physician-owned hospital system preferring non-BUCA payers
[28.47 The role of doctors in current healthcare system
QUOTES:
"None of this is by accident. When I meet with employers and we talk about how we build health plans, we talk about medical management... the initial decisions are made by largely non-clinical administrative people who are following a series of checkboxes." -Emma Fox"You know, carriers put out messages that they provide great care, that they want costs to be lower, that they want to control costs, but that's not how they operate." -David Contorno"I feel like when I come in with the plan that I have demonstrated is higher quality going to lower out of pocket, it's going to save the money. I'm held to a much higher standard than Blue Cross and United is." -David ContornoSOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
Mixed & Edited by Next Day Podcast
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In this episode, Emma Fox and David Contorno dive into the whirlwind of 2024, a year that began with optimism but quickly spiraled into a series of unexpected health challenges. David opens up about his harrowing experience with chronic pain, a spiritual trip to Costa Rica that led to a cascade of health issues, and the discovery of acute kidney failure. The duo discusses the importance of understanding the risks of long-term NSAID use, the critical role nurses play in patient care, and the reality of navigating a flawed healthcare system. Tune in to hear about resilience, medical advocacy, and the next steps in David’s health journey.
TIMESTAMPS
[00.49] David Contorno experienced a severe health crisis
[02.25] Emma’s point of view
[05.52] Rushed to Mission Hospital ER in Asheville, NC
[10.42] Diagnosed with acute kidney failure
[13.42] Experienced frustration with hospital holding area
[17.07] Learned about dangers of long-term NSAID use
[18.09] Discussed potential need for back surgery
[18.50] Mentioned the hospital's attempts to qualify David for Medicaid
[19.47] Emma managed hospital paperwork and consent forms
[23.39] Friends in the medical industry offered guidance
[27.41] The community showed strong support during recovery
SOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
Mixed & Edited by Next Day Podcast
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In episode 20 of The Healthcare Hangover, David Contorno and Emma Fox discuss alarming healthcare facts, including the US's high healthcare spending, lack of guaranteed health coverage, and avoidable deaths. They also touch on the impact of COVID-19 on life expectancy and vaccination rates.
Tune in to gain insights into the healthcare system's financial challenges and the need for reform.
TIMESTAMPS
[00:03:08] Healthcare System's Avoidable Deaths.
[00:05:45] Universal Healthcare Debate.
[00:08:49] Life Expectancy and Healthcare Disparities.
[00:12:00] Acceptance of Preventable Deaths.
[00:17:33] Perverse Incentives in Government.
[00:21:23] Little Community Making Big Waves.
[00:23:54] Life-Changing Impact of Cost Savings.
In this episode, David Contorno and Emma Fox discuss how the US spends a significant amount on healthcare, far exceeding the average spending of other developed nations. Despite this high expenditure, the country continues to experience a troubling number of avoidable deaths.
Furthermore, David and Emma highlight the urgent need for systemic change in the healthcare industry, emphasizing the importance of accountability, responsibility, and legislative action to address disparities, improve access to care, and enhance outcomes for individuals. By advocating for reforms, engaging with policymakers, and prioritizing patient-centered care, the healthcare system can evolve to better serve the needs of the population.
QUOTES
"We've become accepting of hundreds of thousands of people dying every year, needlessly, unnecessarily, the huge majority of them could have been prevented. That's not even including those preventable medical errors, which is an even higher rate than that. Like we've become numb to death. Unless it's like our immediate family, We don't care about it anymore, which is right. No wonder we're not fixing our healthcare system because that involves caring about other people. And it feels like there's such a lack of that." - David Contorno"I think the key to finding something that's actually passable in this country is to make sure that both sides don't like it. If one side loves it and one side hates it, it's never going to get done." - David Contorno“I don't know what's going to happen if the administration changes hands. But I do feel at least that it's getting on some radars, you know, like some important people are realizing that we exist. And I think that's, the days when my optimism is lacking, I think those are the things that kind of lean on. And if I step out of this industry, I'm leaving that burden for somebody else to carry. And that's why I feel like it's a big responsibility.” - Emma FoxSOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
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In episode 19 of The Healthcare Hangover, David Contorno and Emma Fox delve into the complexities of the healthcare system, touching on issues such as access to care, the influence of lobbyists, and the future of healthcare entities.
Tune in as they explore the challenges and nuances of the healthcare industry.
TIMESTAMPS
[00:01:25] Disappointing Experience with Direct Primary Care (DPC).
[00:06:55] DPC Values and Healthcare Choices.
[00:07:58] DPC in Health Plans.
[00:13:33] Our Healthcare System's Financial Incentives.
[00:16:39] Influence of Pharmaceutical Lobbying.
In this episode, David Contorno and Emma Fox discuss the importance of strategically integrating Direct Primary Care (DPC) into health plans to maximize its benefits and avoid diluting its value. They highlight the need to carefully assess DPC providers before including them in health plans to ensure alignment with the values and needs of the employees or members.
Furthermore, David and Emma underscore the complex interplay of financial interests, lobbying power, and resistance to change that continue to impede efforts to improve the healthcare system in the U.S. Addressing these challenges will require a concerted effort to prioritize the well-being of individuals over financial gains and to advocate for reforms that prioritize preventive care, transparency, and patient-centered approaches.
QUOTES
"I think having a deeper relationship means that it gets a little more personal. I think it's okay to ask those things. So we try and get a broad spectrum of DPCs in the plans, at least as broad as we can so that people can find the one that they're most comfortable with." - David Contorno"I think a lot of people think that DPC is really for individuals or small groups. But there are ways, especially when you're assessing the tolerance of the group that you're representing and the DPC's value proposition, that you can marry those together with what looks like a traditional health plan. but provides this direct care component right up front. And I would say those are our most successful plans." - Emma Fox"For those of you that don't know, when you go to a DPC doctor, you never pay a copay, you never pay deductible, you never pay coinsurance. It doesn't matter if it's preventive or diagnostic. So there's zero barriers. There's no time barrier. There's no 3,000 other patient barrier, and there's no cost barrier to getting primary care. And one of the things that we've lost sight of is that primary care is called primary care because it's where we are supposed to go primarily." - David ContornoSOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
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In episode 18 of The Healthcare Hangover, David Contorno and Emma Fox discuss their recent trip to Dallas and a new project they've been working on. They also talk about the challenges of the healthcare system and the need for a holistic approach to fixing it.
Tune in to hear their insights and find out how you can get involved in making a difference in your own community.
TIMESTAMPS
[00:02:43] Lack of Access to Healthcare.
[00:08:14] Prescriptions and Financial Assistance.
[00:11:45] Financial Assistance Programs at Nonprofit Hospitals.
[00:15:02] Providing Healthcare to the Uninsured.
In this episode, David Contorno and Emma Fox delve into the pressing issue of individuals in certain communities who are unable to afford essential medications and healthcare. They even highlight that as individuals age, they often require maintenance prescriptions for common health issues like blood pressure. However, the cost of these medications can be exorbitant, leading many to forgo necessary treatments and appointments.
Overall, David and Emma emphasize the importance of understanding the various assistance programs available and the distinction between medical and prescription coverage. While some programs require individuals to be uninsured, others may still be accessible to those with insurance. Taking a holistic approach to healthcare is crucial, addressing the issue from all angles simultaneously to prevent the problem from resurfacing in more detrimental ways.
QUOTES
"The goal is to bring direct primary care into these communities for short periods of time, kind of like pop-up DPC, to serve these folks who don't have access to health care." - Emma Fox“the most common misconception around these programs when people find out about it, is that it doesn't matter if you have insurance. It is not for only the uninsured. It's also for the underinsured." - Emma Fox"I feel like I have the opportunity and our plans do that every day when I can get someone who does have a job who's clearly doing the right thing, but they still can't afford their medication or their surgery or their tests, and then I can get it done for them. that feels really good. And it doesn't feel like charity. It feels like getting them what they should have been entitled to anyway." - David ContornoSOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
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In episode 17 of The Healthcare Hangover, David Contorno and Emma Fox discuss their frustration with employers giving up on finding effective healthcare plans. They delve into the importance of retention rates in the industry and express their concerns with consultants who seem to be giving up too easily.
Tune in to hear their passionate discussion about the need for persistence in finding alternative healthcare solutions.
TIMESTAMPS
[00:00:20] Employers Giving Up.
[00:02:36] Leadership in Healthcare Financing.
[00:07:57] Cancer Care Mistreatment Rates.
[00:09:25] Failing Health Care System.
[00:13:41] Employers and Healthcare Innovation.
In this episode, David Contorno and Emma Fox express frustration with employers who are giving up on finding alternative healthcare plans. They believe that employers are too focused on retention rates and are not willing to put in the effort to explore and implement alternative options.
Moreover, David and Emma believe that employers should dedicate the same effort to healthcare as they do to their core business. They argue that while the core business unit may be challenging and competitive, employers have had to make innovative decisions and value propositions to be successful in that area. Therefore, they suggest that employers should apply the same level of dedication and resource allocation to healthcare because it is equally important and costly. They believe that if enough employers prioritize healthcare and make informed decisions, it can lead to positive changes in the healthcare system.
QUOTES
“I think that they don't consider doing the hard thing when it comes to health care financing as part of their responsibility when it comes to being good leaders.” - Emma Fox"Nothing pisses me off more than an employer who's not willing to do the right thing because they're getting pushback from people who don't understand what the right thing is." - Emma Fox"Sometimes you got to make people emotional on this. And oftentimes it's just a negative emotion that's going to get them to change something considerably so radically." - David Contorno“Put the right insurance in place by asking the right questions, by working with the right people, by paying people in a way that's aligned with those outcomes. And if enough employers did that, the system would change.” - David ContornoSOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
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In episode 16 of The Healthcare Hangover, David Contorno and Emma Fox discuss their experiences with political influences in the healthcare system. They share their frustrations with trying to make change through traditional channels and how they found themselves in high-level political circles. They talk about their background in lobbying and the lack of impact they felt.
Tune in to hear about their unexpected journey and their thoughts on the intersection of healthcare and politics.
TIMESTAMPS
[00:04:27] Politicians' Focus on Health Insurance.
[00:07:27] Politicians' Misunderstanding of Healthcare.
[00:11:38] Running for Office.
[00:12:51] Pro-Life vs. Pro-Choice as Policy.
[00:19:55] Holding Healthcare Entities Accountable.
In this episode, David Contorno and Emma Fox have been grappling with the challenge of making a meaningful impact on the healthcare system through political influences. Despite their attempts to engage with political influencers, both individually and collectively, they have found it to be an ineffective endeavor.
Moreover, David and Emma emphasize the importance of treating all individuals equally and ensuring that healthcare is recognized as a fundamental human right. They argue that while the government does not need to fully provide healthcare, it should play a role in guaranteeing equitable access to care.
QUOTES
"Insurance doesn't solve the problem. It actually makes it worse, at least as it exists today." - David Contorno“I was going to say is politicians don't seem to understand that. They have this idea that as long as someone has health insurance, they'll be OK. But it's never the case." - Emma Fox"Republicans are for less government, not more government. They're for less interference in our lives, less interference in how parents educate and with the lifestyles and the religious beliefs. I don't believe that I should be making the right medical choice for your children or any politician should. I believe that me and my wife love my children no more than anyone else. And we are best suited to make medical decisions for them above and beyond everybody else." - David Contorno“I think Republicans are actually a little bit more rebellious, especially in the last few years. But Democrats, they're very much a united front.” - Emma Fox“I have some ideas, some legitimate ideas that I think are very doable that would provide healthcare to some extent and also still maintain the privatized insurance market and the employer-employee relationship. And I think that there's a compromise out there that truly brings value to the country, to its citizens, to the doctors that are miserable.” - David ContornoSOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
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In episode 15 of The Healthcare Hangover, David Contorno and Emma Fox dive into the topic of GLP-1 weight loss drugs, exploring their effectiveness, financial implications, and the debate surrounding their accessibility for weight loss.
Tune in as they navigate and share their insights through this issue.
TIMESTAMPS
[00:00:30] Introduction to GLP-1 Weight Loss Drugs
[00:01:00] Weight Loss and Financial Perspective
[00:03:00] Personal Weight Loss Experiences
[00:05:00] Coverage and Accessibility
[00:06:30] Patient Assistance Programs (PAPs)
[00:09:00] Proposed 12-Month Program
[00:11:30] Additional Benefits of GLP-1 Drugs
[00:13:00] Employer's Perspective
[00:14:20] Pharmaceutical Industry Considerations
[00:16:30] Addiction Analogy
In this episode, David Contorno and Emma Fox focus on GLP-1 weight loss drugs, as they share their experiences with employers interested in covering these drugs under self-funded health plans. They explore the efficacy of these drugs, emphasizing that they are not a silver bullet and require complementary lifestyle changes for sustained results.
In addition, David and Emma share personal weight loss journeys and debate whether access to these drugs should be expanded to make weight loss more achievable for individuals struggling with obesity. They discuss the financial aspects, including the high costs and varying coverage percentages across health plans. They also address potential benefits beyond weight loss, such as reducing cravings for other addictive behaviors. Thus, expressing concerns about the affordability of these drugs and the pharmaceutical industry's motivations.
QUOTES
"It's very long term. It's not a silver bullet. You still need to do other things that if not done means you have to be in the medicine forever." - David Contorno“And the one thing that's bothering me is people claiming that these drugs are new, which is, I mean, some of them are new, don't get me wrong, but the formula has been around for a long time. We've been using these drugs to treat diabetes.” - Emma Fox"If this was available to me and I could have afforded it back then, I don't know why we wouldn't make it easier when I see people say that overweight people shouldn't have access to GLP ones." - Emma Fox"If you're an anti-GLP-1 person, I'd really encourage you to look at it from a more human perspective as somebody who was very, very overweight my whole life." - Emma Fox"I think everybody is addicted to something. I have the luxury of being addicted to multiple things." - David ContornoSOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
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In episode 14 of The Healthcare Hangover, David Contorno and Emma Fox discuss the challenges and headaches of the healthcare system. They dive into the busy season and the lack of breaks they’re experiencing. They also talk about their upcoming conference and the exciting topics and speakers they have lined up, including discussions on psychedelic therapy, infertility support, and the correlation between lack of healthcare access and gun violence.
Tune in to learn more about the challenges and joys of navigating the healthcare system.
TIMESTAMPS
[00:00:45] Celebrating Jewish holidays.
[00:05:09] You Powered Symposium and Puerto Rico.
[00:09:42] Lack of Access to Healthcare.
[00:12:41] Attending the Powered Symposium virtually.
In this episode, David Contorno and Emma Fox delve into the challenges and frustrations encountered within the healthcare system. They discuss the perpetual busyness of the healthcare industry and the lack of breaks they experience. While the industry used to have a designated busy season known as the fourth quarter, they express that it now feels busy throughout the entire year.
Furthermore, while they enjoyed meeting new people, they felt that the educational aspect was lacking. Consequently, they sought to create a different experience with their symposium. Their goal was to establish an environment where competitors could come together and teach one another, thereby diversifying their education, as it aims to unite individuals who are currently engaged, attempting, or aspiring to be part of the industry, fostering collaboration and mutual support in their respective fields.
QUOTES
“It (Symposium) can be a platform for teaching and learning. And I strive to teach and learn something every day. And so what it quickly became, even at the very first one, was just this getting together of people that actually felt like they're doing different things instead of saying different things and going back to the office Monday morning and not doing anything different.” - David Contorno“The best part of all of those conferences for me is the people, which is great.” - Emma Fox “I wanted to create something where people could still enjoy each other and each other's company and networking. But I really wanted to create an environment where we could have a bunch of competitors in the room. And instead of competing with each other, we could teach each other how to do what the other person does and completely diversify our education.” - Emma Fox “It's coming together of all the people that are doing it, trying to do it, want to do it, and helping us do it. And that's that's the goal.” - David ContornoSOCIAL MEDIA LINKS
David Contorno
LinkedIn: https://www.linkedin.com/in/dcontorno/
Emma Fox
LinkedIn: https://www.linkedin.com/in/emmamariefox/
WEBSITE
E-Powered Benefits: https://www.epoweredbenefits.com/
Emma Fox: https://emmamariefox.com/
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