Benefits Redefined Episodes

Ep 8: Understanding your Health Plan Score

Most CFOs believe their health plan is under control. They shop it every year. They have a trusted broker. Then they score the plan — and come back a 50 out of 100. Richard Silberstein talks with Tina Wilt, GBA — Charter Health Rosetta Advisor with nearly 30 years employer-side experience and the architect of a community-owned health plan — about the Plan Grader™, the 40-question assessment that scores employer health plans on a 0–100 scale. Tina explains what the score actually means, what separates a 50 from a 70, and why she has seen up to 40% savings between a legacy plan and a fully optimized one. We also cover direct primary care, the LOCAL framework, and what employers can do off-renewal to move the needle.   CHAPTERS 0:00 Intro 1:39 Meet Tina Wilt 2:50 Community-owned health plans 3:31 Direct primary care 5:10 What is Health Rosetta? 7:39 The Plan Grader™ 13:24 The question that surprises every CFO 17:23 The $1,200 vs. $3,000 MRI 18:37 What a 50 vs. 70 score is worth 21:15 Up to 40% savings — real-world examples 25:17 The LOCAL framework 30:16 Close   GUEST Tina Wilt, GBA — Alera Group | https://www.linkedin.com/in/tina-wilt-gba-64507612/ [https://www.linkedin.com/in/tina-wilt-gba-64507612/] LEARN MORE Health Rosetta: https://healthrosetta.org [https://healthrosetta.org] Connect with Richard: www.benefitsredefined.com

Ep 7: Why Wellbeing Strategy Is Becoming Business Strategy

Want to learn more? Connect with Richard via our website: https://www.benefitsredefined.com [https://www.benefitsredefined.com] PBM reform is gaining attention — but what does it actually change for employers? Wellbeing is evolving from a program to a strategic priority. Richard speaks with Gretchen Day about how organizations are rethinking workforce health. Connect with Gretchen: https://www.linkedin.com/in/gretchenday/

Ep 6: Captives: What Most Employers Get Wrong

Want to learn more? Connect with Richard via our website: https://www.benefitsredefined.com [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa0d5VVdDSFZuV2FPVHMxWjVpWG5BNGJRdEw3Z3xBQ3Jtc0trREFhczFfX3FiT21meTM2dFVnTy1weUlYaXJTVVZxYlBZZHlTX2ZxRFRtR0Z4TEJ2LThXanZSZklDQlIxM1pQbkNyU2ZRcnVNajRvNlNIT3hULW5PTEEtT3hNSjZpZ1lBR2QwV0JhVUFibi16N2l6UQ&q=https%3A%2F%2Fwww.benefitsredefined.com%2F&v=V1TJBsciLJY] Captives are gaining attention — but many employers misunderstand how they actually work. As interest grows, so does the need to separate common assumptions from real-world application. In this episode of Benefits, Redefined, Richard speaks with Don Balla about how captives fit into today’s market. You’ll learn: * Why captives are becoming more relevant * Common misconceptions employers have * How captives can support broader risk strategy * What to consider before moving forward Connect with Don: https://www.linkedin.com/in/donballa/ Subscribe to stay up to date with our latest episodes.

Ep 5: Rethinking Risk: Why Employers Are Moving Beyond Traditional Funding

Want to learn more? Connect with Richard via our website: https://www.benefitsredefined.com [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqblpYVjU4V3BtTGgtRG9xVVE3cFVfYjhTdmo4QXxBQ3Jtc0trcDdPb2ZtMndJTXpBQnZPNm4zYU5tVXdtRWxnTnEwZHFfY242VlUySEc0NFBnZWtUdnQ2M3liVks2c0dIMWt4YUNTZkozT2pDYlpwb2xScDkzQndrRU1WdTBDdnNkd0p2dnRrZnJNVzJVMDRUdEZnSQ&q=https%3A%2F%2Fwww.benefitsredefined.com%2F&v=psqaPeyyaiU] Employee benefits are no longer just an HR expense — they are becoming one of the largest and fastest-growing line items on an organization’s P&L. In this episode of Benefits, Redefined, Richard Silberstein sits down with Prabal Lakhanpal, National Practice Leader of Alternative Risk and Captives, to explore how employers are rethinking the way they fund and manage healthcare risk. The conversation covers: * Why healthcare costs are rising at unsustainable levels * How captives work (in plain English) * The difference between underwriting income and investment income * Why captives are no longer just for large employers * How organizations are beginning to think about risk at an enterprise level * And what employers should consider when evaluating alternative funding strategies This episode is particularly relevant for CFOs, CHROs, and executives looking to better understand how to bring more control, transparency, and long-term strategy to their health plans. Subscribe to stay up to date with the latest episodes. Connect with Prabal: https://www.linkedin.com/in/praballakhanpal/

Ep 4: Why Employers Miss Million-Dollar Health Plan Mistakes | Clinical Oversight Explained

Want to learn more? Connect with Richard via our website: https://www.benefitsredefined.com/ [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbW1OelNzc0JQZHlENXNubnhpWk1oN2FQVGxoUXxBQ3Jtc0trMXV1dHFKOTRXaWxlQnVnWlBJeGNTODNZNkVLdWJCalA0NldXNGJ1Y0Q3OWd4bXJYWkEyUUNIdkRnclBYUkN5Zmk2MUo4NklRVGh6V1FFbHMxdVhkZGxwZ3ZkSWxGTGkzWHlrWjc2WF9HelhvQktnRQ&q=https%3A%2F%2Fwww.benefitsredefined.com%2Fbenefits-redefined-podcast&v=TRF4-GgH9-U] Are your healthcare costs secretly out of control? Most employers are paying way more than they should—and you can fix it. In this episode, we talk about clinical oversight and advocacy—how companies can prevent huge medical bills and save money. Richard talks with Julie Kueppers, Vice President of Clinical Analytics and Advocacy, about creative ways employers and employees can save on their benefits by implementing clinical review. You’ll learn: * How a tiny number of employees can drive most of your healthcare costs—and how focusing on them can save hundreds of thousands. * Real-world examples of big savings from reviewing high-cost claims and making smarter care decisions. * How to catch mistakes, overcharges, and waste before your company pays for them. * How to use claims data to turn numbers into actionable insights that improve care and reduce costs. If you work in HR, finance, or benefits, this episode is packed with simple tips and real-world examples to help your company save money and keep employees healthy. Comment below: What’s your biggest challenge with employee healthcare costs?  Subscribe to stay up to date with our latest episodes. Connect with Julie: https://www.linkedin.com/in/juliekueppers/