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Broken Healthcare
Ray Kober
85 episodes
9 hours ago
“Broken Healthcare” isn’t just another podcast exposing flaws in the healthcare system—it’s a movement. Hosted by the entertaining and knowledgeable Ray Kober, we pull back the curtain on the hidden forces driving up costs and making care confusing. Whether you’re an employer, an industry insider, or just someone tired of overpriced, low-quality care, we arm you with the insights to fight back. Get real stories, expert insights, and actionable solutions to take control of healthcare decisions—because better choices start with better information.

Hosted on Acast. See acast.com/privacy for more information.

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All content for Broken Healthcare is the property of Ray Kober and is served directly from their servers with no modification, redirects, or rehosting. The podcast is not affiliated with or endorsed by Podjoint in any way.
“Broken Healthcare” isn’t just another podcast exposing flaws in the healthcare system—it’s a movement. Hosted by the entertaining and knowledgeable Ray Kober, we pull back the curtain on the hidden forces driving up costs and making care confusing. Whether you’re an employer, an industry insider, or just someone tired of overpriced, low-quality care, we arm you with the insights to fight back. Get real stories, expert insights, and actionable solutions to take control of healthcare decisions—because better choices start with better information.

Hosted on Acast. See acast.com/privacy for more information.

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Investing
Business,
Society & Culture,
Health & Fitness,
Medicine
Episodes (20/85)
Broken Healthcare
From the dojo to the battlefield to the operating room: a true hero | Broken Healthcare Pocast #78

From the dojo to the battlefield to the operating room — this is the story of a real-life warrior healer.


In this episode of Broken Healthcare, host Ray Kober sits down with Dr. Demetri Aguila — a plastic and nerve surgeon, U.S. Air Force veteran, and lifelong martial artist on a mission to fix America’s broken healthcare system.


🥋 Martial Arts. He earned his first black belt at 13, mastered Aikido, and became a 4th-degree black belt in Tang Soo Do. The discipline, focus, and humility he learned on the mat shaped the surgeon he became.


✈️ The Air Force. As a combat surgeon in Afghanistan, Dr. Aguila performed life-saving operations under fire — and saw firsthand the cost of pain, trauma, and courage.


🩺 The Surgeon. Back home, he’s changing lives through nerve surgery and pain elimination, helping patients walk again, smile again, and live again — often after decades of suffering.


💜 The Mission. Through Healing Hands of America and Operation Warrior’s Hope, Dr. Aguila and his team provide affordable, debt-free surgeries — including free care for Purple Heart veterans who’ve been told “nothing more can be done.”


⚡ In this episode:

• How martial arts discipline shaped his surgical precision

• Lessons from Afghanistan and the battlefield of modern medicine

• The truth about Tylenol, data, and dangerous misinformation

• Why faith and focus belong in healthcare

• How free-market medicine is restoring hope to patients nationwide


💡 About Dr. Aguila:

Dr. Demetri Aguila is a board-certified plastic and peripheral nerve surgeon, founder of Total Pain Solutions and Healing Hands of America, and a 4th-degree Tang Soo Do black belt. His work merges science, soul, and service to bring healing back to healthcare.


🗣️ Join the Movement:

Comment, share, and subscribe if you believe healthcare can be human again.


#BrokenHealthcare #DrDemetriAguila #MartialArts #AirForceVeteran #PainManagement #NerveSurgery #HealingHandsOfAmerica #OperationWarriorsHope #FaithInMedicine #HealthcareReform #PurpleHeartVeterans #TangSooDo


Hosted on Acast. See acast.com/privacy for more information.

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9 hours ago
2 hours 53 minutes 18 seconds

Broken Healthcare
They’re Fixing Skin Cancer with a Smartphone: CheckMySpot | Broken Healthcare Podcast #77

This dermatologist just changed cancer detection forever.


In this powerful episode of Broken Healthcare, host Ray Kober sits down in studio with husband-and-wife innovators Dr. Mike and Elizabeth Webb, the creators of CheckMySpot — a revolutionary app that lets anyone screen potential skin cancers from their phone.


Dr. Webb, a board-certified dermatologist and Mohs surgeon, shares his 30-year journey in medicine, from tackling advanced skin cancer cases to developing a simple, life-saving technology. Elizabeth reveals how a small-town problem inspired a nationwide solution — helping people get faster access to care when it matters most.


Together, they unpack:

✅ Why early detection means a 99% survival rate for melanoma

✅ How the broken healthcare system delays life-saving diagnoses

✅ The science and myth of sun exposure and sunscreen safety

✅ What “appraisal delay” is — and how it costs lives

✅ How Check My Spot eliminates wait times and saves employers money

✅ Why validation from the Validation Institute proves this app works


Whether you’re a patient, healthcare leader, or benefits advisor — this episode will open your eyes to what’s truly possible when innovation meets compassion.


🧠 Key Takeaways:

- 1 in 5 people will develop non-melanoma skin cancer.

- Early detection = 99% cure rate; late detection can drop survival below 40%.

- Access to care is one of the biggest failures in modern healthcare.

- Check My Spot empowers users to get fast, expert triage for suspicious moles.

- Validation Institute confirmed the app’s clinical and financial impact.

- The Webbs’ goal: democratize dermatology and save lives through technology.


📱 Connect & Learn More:

🔗 Download the app: CheckMySpot

💼 https://www.checkmyspot.com/how-it-works


Hosted on Acast. See acast.com/privacy for more information.

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1 week ago
1 hour 30 minutes 54 seconds

Broken Healthcare
Part 3 - Owning the solution: The truth they don’t want you to hear | Broken Healthcare Podcast #75

Part 3 of 3 - Woody Waters


This is the final chapter — an unfiltered, eye-opening conversation with Woody Waters, co-founder of Reference-Based Pricing and Imagine360


In this finale, Woody and Ray pull no punches. They uncover why real healthcare reform will never come from Washington — and why business leaders must take control of their plans, their costs, and their people’s wellbeing.


Woody reveals why Imagine360 had to bring every solution under one roof — handling balance bills, claims, and member advocacy in-house to deliver the service excellence employers and employees deserve. You can’t rely on the same system that broke healthcare to fix it.


He also shares a shocking discovery: after hiring a consultancy to survey brokers and producers, over 70% claimed to be experts in Reference-Based Pricing — but only three could accurately explain how it works. The takeaway? The market is flooded with noise, and true expertise is rare.


In this episode:


- Why healthcare reform starts with leadership, not legislation

- How Imagine360 solves every issue under one roof — and why that matters

- The shocking truth about “RBP experts” who don’t understand the model

- Why owning a TPA became mission-critical for lasting change

- How empathy, transparency, and courage drive real reform


🎙 Hosted by Ray Kober

💬 Featuring Woody Waters, Founder of Reference-Based Pricing & CEO of Imagine360 (https://www.imagine360.com)


👉 Watch the full Broken Healthcare trilogy here: https://www.youtube.com/@BrokenHealthcarePodcast


#BrokenHealthcare #WoodyWaters #Imagine360 #HealthcareReform #Leadership #RBP #HealthcareCosts #BusinessChange #PodcastSeries


Hosted on Acast. See acast.com/privacy for more information.

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2 weeks ago
45 minutes 50 seconds

Broken Healthcare
RFK Jr. ABUSED in MAHA Hearing: Senate MELTDOWN | Broken Healthcare Podcast #71

America spends $5 TRILLION on healthcare… and ranks DEAD LAST. Ask yourself WHY?!


The Senate hearing on the Make America Healthy Again (MAHA) agenda was a circus — and what happened to Robert F. Kennedy Jr. proves just how broken our system is.


I feel it’s my personal duty to bring you the facts the media won’t. In this video, I break it all down:


- Why I stand with RFK Jr. after watching the abuse he took in this hearing

- The shocking truth from CommonwealthFund.org — the U.S. spends $5 TRILLION on healthcare yet ranks dead last worldwide

- A live screen share of OpenSecrets.com showing six-figure campaign donations — conflicts of interest that drive healthcare costs through the roof

- The ugly reality of PAC money and agency corruption

- Why we’re being lied to about what’s possible in healthcare — and how we can actually cut costs in half while getting better care


You’ll also see a raw, unfiltered clip of the Senate grilling — the kind of footage you won’t find on the news or any mainstream outlet.


Healthcare shouldn’t be political. But as long as money and corruption run the show, we’ll all keep paying the price.


#RFKJr #MAHA #HealthcareCorruption #SenateHearing #FollowTheMoney


Hosted on Acast. See acast.com/privacy for more information.

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3 weeks ago
36 minutes 38 seconds

Broken Healthcare
Part 2 - America’s Healthcare Is Rigged: Who’s Really Profiting | Broken Healthcare Podcast

Part 2 of 3 – Woody Waters


In this powerful second installment of Broken Healthcare, host Ray Kober continues his deep, unfiltered conversation with Woody Waters, the founder of Reference-Based Pricing and a pioneer determined to expose what’s really happening inside America’s healthcare system.


Woody pulls no punches as he reveals how corruption, greed, and broken incentives have turned healthcare into a profit machine — one that’s stacked against patients, families, and even well-intentioned brokers.


In this episode:

- The brutal truth about how big insurers, PBMs, and politicians keep costs sky-high

- Why companies like Coca-Cola and Delta could change everything — but won’t

- How business leaders can fix what the government can’t

- The shocking story of how one mother’s fight against hospital overbilling changed everything

- And the unsung heroes behind Woody’s mission: military spouses, teachers, and social workers — empathetic people who left everything behind to help patients fight back against an unfair system


“You can’t teach empathy,” Woody says. “That’s why we hire people who already care — military spouses, former teachers, social workers — people who understand what it means to serve.”


This is the human side of healthcare reform — the real people behind the fight to take back control from corporate greed.


👉 Don’t miss Part 3 — coming next week — as we uncover what it will really take to rebuild the system from the ground up.


🎧 Catch Up:

🔹 Part 1 – The Origin of Reference-Based Pricing → https://youtu.be/dcmFlDerEnA

🔹 Subscribe & hit the bell so you don’t miss the finale.


#BrokenHealthcare #WoodyWaters #HealthcareCorruption #HealthcareReform #ReferenceBasedPricing #RayCober #MedicalCosts #HealthcareSystem #MilitarySpouses #EmpathyInAction #BusinessLeadership #Podcast


Hosted on Acast. See acast.com/privacy for more information.

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3 weeks ago
36 minutes 22 seconds

Broken Healthcare
He Ran 10 Hospitals - Now He Says CEOs Hold the Key to Fixing Care | Broken Healthcare Podcast #76

Former hospital CEO Darrell Moon ran ten hospitals before walking away — disillusioned by how America’s healthcare system rewards sickness instead of health.


Today, he’s on a mission to help CEOs take control of the second-largest expense in business and lead the revolution to fix healthcare.


In this powerful episode of The Broken Healthcare Podcast, host Ray Kober and Darrell unpack:

🏥 Why hospitals are incentivized to keep beds full — not people healthy.

💰 How misaligned incentives have CEOs unknowingly funding their own rising costs.

📊 Why Darrell believes CEOs — not HR, not brokers — must own healthcare decisions if real change is ever going to happen.

🌎 The NUKA System of Care: how a Native Alaskan community built the best healthcare model in the world at half the cost.

❤️ How relationships and trust — not procedures — hold the key to better outcomes and lower costs.


This is a masterclass in understanding America’s $5 trillion healthcare problem — and what real leaders can do about it.


📘 Darrell’s book: Make Healthcare Work for You (available on Amazon)

🔗 Follow us for insights that challenge the status quo and inspire action.


#BrokenHealthcare #DarrellMoon #HealthcareReform #EmployerLeadership #HealthRosetta #HealthcareRevolution #RayKober #CEOs #HealthcareCosts


Hosted on Acast. See acast.com/privacy for more information.

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1 month ago
1 hour 18 minutes 6 seconds

Broken Healthcare
Part 1 - The Origin of Reference-Based Pricing with Woody Waters | Broken Healthcare Podcast #75

Ever wondered where Reference-Based Pricing (RBP) came from — or who helped create it? In this episode, host Ray Kober sits down with Woody Waters, one of the original founders of RBP and a true pioneer in bringing transparency and fairness to healthcare costs.


Woody shares his 33-year journey through the insurance world — from his early days as a broker to co-founding the model that reshaped how employers manage healthcare spending. Learn how his work helped lay the foundation for what eventually became Imagine360 (👉 imagine360.com).


💬 In this episode:

  • The origin story of Reference-Based Pricing
  • Why healthcare pricing became so broken
  • How employers can regain control of their healthcare costs
  • What “cost + Medicare” pricing really means
  • The truth about self-funded and level-funded plans


🔥 Don’t miss Part 2 next week, where Woody dives deeper into how RBP evolved and what’s next for employers and employees in the healthcare space.


👍 If you enjoyed this episode, like, subscribe, and turn on notifications so you don’t miss Part 2 and future episodes of the Broken Healthcare Podcast!


Hosted on Acast. See acast.com/privacy for more information.

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1 month ago
41 minutes 13 seconds

Broken Healthcare
Endocrinology Uncovered: Redefining Diabetes & Hormone Care | Broken Healthcare Podcast #74

The U.S. healthcare system is failing millions of patients with diabetes and chronic disease. My guest, Dr. Arti Thangudu, an endocrinologist, disruptor, and patient advocate, saw it firsthand—and decided to do something radical.


After leaving one of the largest endocrine clinics in the country, Dr. Thangudu launched her own direct care practice, Complete Medicine, proving that real outcomes—lower A1Cs, fewer hospitalizations, and better lives—are possible when doctors put patients first.


In this powerful conversation, we cover:

✅ Why traditional healthcare is broken for patients with chronic disease

✅ How direct care endocrinology works (and why it’s a game-changer)

✅ The shortage of endocrinologists across the U.S.—and what that means for patients

✅ Dr. Thangudu’s inspiring journey from journalism student to physician entrepreneur

✅ The truth about hormone replacement therapy (HRT/MHT): why women were misled, what the science really shows, and how the right treatment can be life-changing

✅ How she’s rebuilding trust in medicine, one patient at a time


If you’ve ever wondered why our system feels so impersonal—and what can actually be done to fix it—this is an episode you won’t want to miss.


👉 Don’t forget to subscribe for more stories on how we can rebuild healthcare together.


#BrokenHealthcare #DiabetesCare #DirectPrimaryCare #ArtiThangudu #HormoneReplacementTherapy


Hosted on Acast. See acast.com/privacy for more information.

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1 month ago
1 hour 53 minutes 21 seconds

Broken Healthcare
The Truth About Drug Pricing: Thomas Johnson Exposes the 340B Program | Broken Healthcare Podcast #73

The U.S. healthcare system is broken—and today, we’re pulling back the curtain on one of the most misunderstood programs driving billions of dollars in drug pricing.


In this episode of Broken Healthcare, Ray Kober sits down with Thomas Johnson—an attorney by trade and Executive Director of the Alliance to Save America’s 340B Program (ASAP 340B)—to uncover the truth about how the 340B drug pricing program, originally designed to help underserved communities, has ballooned into a $120+ billion system with little oversight.


Thomas’s career is rooted in public policy and advocacy. While working with the Medical Society of DC, he helped get the city council to pass the first comprehensive anti-smoking ban in the country—a groundbreaking public health milestone that shaped his commitment to reform.


🔎 You’ll learn:

  • How the 340B program started with good intentions but drifted far from its mission
  • Why hospitals are marking up drugs by 500–1000% and who really pays the price
  • The staggering 20% annual growth of the program and its hidden impact on businesses and patients
  • Why transparency, accountability, and reform are urgently needed
  • How ordinary people can take action to demand change


🔥 Thomas:

“Let’s get back to our mission of making sure that covered entities can help those who are in underserved areas.”


If you care about healthcare costs, patient access, or just want to understand how Washington works behind the scenes, this is a must-listen.


🌐 Connect with Thomas Johnson & ASAP 340B

👉 Website: https://www.asap340b.org


📌 Support the Show

If you found this eye-opening, hit LIKE, SUBSCRIBE, and share this episode with someone who needs to hear it. Together, we can fix America’s broken healthcare system.


Hosted on Acast. See acast.com/privacy for more information.

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1 month ago
1 hour 3 minutes 6 seconds

Broken Healthcare
Meditation, Blockchain & Fixing Sick Care | Broken Healthcare Podcast #72

We’re live in Salt Lake City at Ascend 2025 with the incredible Naama O. Pozniak — entrepreneur, meditation guide, health insurance disruptor, and true believer that we can turn “sick care” into real healthcare.


In this episode, Naama shares her journey from running an insurance agency to leading global meditation sessions, her chance encounter with Deepak Chopra, and why meditation is more than just a practice — it’s medicine for our broken healthcare system.


We dive into:

✨ The power of yoga + meditation in transforming health

✨ How to bring mindfulness into corporate America

✨ Why blockchain + healthcare might be the future

✨ A guided meditation you can join in right from the podcast


This one is equal parts soulful and practical — perfect for anyone curious about better healthcare, wellness, or just needing a reset.


Together, we can make healthcare better for everyone.


#Healthcare #Meditation #Blockchain #NaamaPozniak #Ascend2025


Hosted on Acast. See acast.com/privacy for more information.

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1 month ago
53 minutes 13 seconds

Broken Healthcare
5 Minute Guided Meditation with Naama O. Pozniak | Live at Ascend 2025

Take a mindful pause with Naama O. Pozniak as she leads a powerful guided meditation — recorded live at Ascend 2025 in Salt Lake City.


In just a few minutes, Naama helps us:

✨ Release stress + tension

✨ Reconnect with breath, body, and spirit

✨ Center ourselves with gratitude and compassion


Whether you’re new to meditation or a longtime practitioner, this short session is the perfect reset for your day.


#Meditation #GuidedMeditation #NaamaPozniak #Ascend2025


Hosted on Acast. See acast.com/privacy for more information.

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2 months ago
5 minutes 42 seconds

Broken Healthcare
From Law to Fixing Healthcare Costs: David Smith of eBen Benefits | Broken Healthcare Podcast #70

In this in-studio episode of the Broken Healthcare Podcast, host Ray Kober sits down with David C Smith, Senior Vice President at eBen Benefits, for a powerful conversation on how employers can finally take control of their healthcare costs while improving care for employees.


David’s path is unique: he went to law school and worked as an attorney before ultimately finding his calling in the benefits and insurance industry. That legal foundation gives him a sharp perspective on contracts, compliance, and the forces shaping healthcare costs — insights he now uses to help organizations save millions.


“We’ve been told healthcare is unfixable — but the truth is, employers have more leverage than they realize.” – David Smith


What you’ll learn in this episode:

✅ How David’s legal background informs his approach to healthcare strategy

✅ Why healthcare costs keep climbing despite worsening employee experience

✅ The hidden forces inflating employer healthcare spend

✅ How eBen Benefits is helping organizations break free from the status quo

✅ Practical strategies to save money and improve employee benefits

✅ Why lasting reform starts with business leaders, not Washington


If you’re a CEO, CFO, HR leader, or benefits strategist, this conversation is a must-watch.


🔗 Learn more about David & eBen Benefits:

🌐 Website: https://www.ebenbenefits.com/

💼 LinkedIn: https://www.linkedin.com/in/davidcurtissmith/


📌 Don’t forget to like, comment, and subscribe to the Broken Healthcare Podcast for more conversations on fixing America’s healthcare system.


#BrokenHealthcarePodcast #DavidSmith #eBenBenefits #EmployerBenefits #HealthcareReform


Hosted on Acast. See acast.com/privacy for more information.

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2 months ago
1 hour 42 minutes 50 seconds

Broken Healthcare
Healthcare Is Broken — Jessica Brooks-Woods on Equity, Costs & Real Change | Broken Healthcare Podcast #69

In this powerful live episode of the Broken Healthcare Podcast, recorded at ASCEND 2025 in Salt Lake City, host Ray Kober sits down with Jessica Brooks-Woods, CEO of the Executive Leadership Council and former CEO of the Pittsburgh Business Group on Health, to discuss how employers can transform healthcare for their people.


Jessica brings a unique perspective on the intersection of equity, business, and healthcare strategy. She shares why employers must go beyond “buying benefits” and start driving real change in cost, quality, and access.


“Healthcare is broken, but employers have more power than they think to fix it. We have to shift from being passive purchasers to active shapers of the system.” – Jessica Brooks-Woods


Key topics we cover:

✅ Why healthcare inequities persist—and how employers can close the gaps

✅ How rising costs are impacting both business growth and employee well-being

✅ The role of leadership and advocacy in fixing a broken system

✅ Practical steps organizations can take to save money and improve outcomes

✅ Jessica’s vision for a more sustainable, equitable healthcare future


If you’re a CEO, CFO, HR leader, or benefits strategist, this is a must-hear conversation that could change the way you approach employee healthcare.


💼 LinkedIn: (7) Jessica Brooks Woods CEO, MPM, PHR | LinkedIn

🌐 NABIP: http://www.nabip.org


📌 Don’t forget to like, share, and subscribe for more conversations with leaders driving change in healthcare.


#BrokenHealthcarePodcast #JessicaBrooksWoods #HealthcareEquity #EmployerBenefits #ASCEND2025 #HealthcareLeadership


Hosted on Acast. See acast.com/privacy for more information.

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2 months ago
1 hour 8 minutes 48 seconds

Broken Healthcare
Cut Healthcare Costs by 50%? TempoPay & PayMedix Show How | Broken Healthcare Podcast #68

In this special episode of the Broken Healthcare Podcast, filmed live at ASCEND 2025 in Salt Lake City, host Ray Kober sits down with David Kinsey, Vice President of Partnerships & Sales for TempoPay and PayMedix, to discuss how his companies are helping employers and employees take control of rising healthcare costs.


David shares powerful insights into the financial struggles employees face today:


“60% of the U.S. population can’t afford a $1,000 out-of-pocket medical expense.”


With TempoPay, employers can offer their workforce interest-free credit lines (from $500 to $5,000) for medical expenses, prescriptions, dental, vision, and even veterinary care—with no credit checks required.


“We’re leveling the playing field. Even people with a credit score below 350 can now access the care they need—without resorting to high-interest credit cards.”


Meanwhile, PayMedix ensures providers are guaranteed payment for patient responsibility, improving access to care while reducing bad debt. Employers benefit from lower turnover, improved presenteeism, and reduced healthcare trend—running 2% below market average.


David also explains why this matters for every employer, not just those with lower-wage workforces:


“Even higher-paid populations often struggle with high deductibles and HSAs. We give them a budgetable way to pay for care, while preserving their savings.”


Key takeaways from this episode:

✅ Employers can save money while supporting employee health

✅ Employees avoid financial stress and delayed care

✅ Providers reduce uncompensated care and secure payments

✅ Everyone wins with a more sustainable, affordable healthcare model


🔗 Learn more & connect with David Kinsey:

🌐 https://www.tempopay.com

💼 LinkedIn: https://www.linkedin.com/in/david-kinsey-cltnc/


If you’re an employer, advisor, or healthcare leader, this conversation is a must-watch. Discover how TempoPay and PayMedix are transforming the future of healthcare affordability.


👉 Don’t forget to like, subscribe, and share the Broken Healthcare Podcast for more strategies to cut costs and fix healthcare.


#HealthcareCosts #EmployerBenefits #TempoPay #PayMedix #HealthcareSavings #BrokenHealthcarePodcast


Hosted on Acast. See acast.com/privacy for more information.

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2 months ago
13 minutes 52 seconds

Broken Healthcare
Bear Hunts, Barbells & Big Pharma Takedowns | Broken Healthcare Podcast #67

🔥 Live from Ascend 2025 in Salt Lake City! Host Ray Kober sits down with Trace Voshell of GoGoMeds for a powerful conversation on fitness, discipline, pharmacy disruption, and why fixing healthcare starts with doing the uncomfortable work — in and out of the gym.


Trace brings his background in college baseball, CrossFit, bowhunting, and pharmaceutical sales to shed light on how GoGoMeds is shaking up the industry with affordable generics, white-labeled pharmacy solutions for DPC clinics, and no-nonsense pricing for employers.


🎙 In this episode:

  • Why your primary care doctor might be your best pharmacy partner
  • The power of CrossFit mentality in life and business
  • How self-funded employers can save thousands without PMPM gimmicks
  • The growing DPC movement — and what it means for real healthcare reform
  • A few laughs, lessons in grit, and... Trace’s sweet tooth 🧁


This isn’t just another pharmacy sales pitch — it’s a conversation about leadership, lifestyle, and building a healthcare model that actually works for people.


📦 Want to save on prescriptions or empower your employees with smarter benefits? Learn more at: https://www.gogomeds.com

🔗 Connect with Trace Voshell on LinkedIn: https://www.linkedin.com/in/trace-voshell

🎧 Subscribe to The Broken Healthcare Podcast: https://www.youtube.com/@BrokenHealthcarePodcast


👇 If this episode made you think — or made you laugh — drop a like, comment, and share. Let’s fix what’s broken.


#BrokenHealthcare #HealthcareReform #DPC #PBMTransparency #GenericMeds #GoGoMeds #Ascend2025 #RayKober #TraceVoshell #CrossFitMindset #Podcast #HealthTech #DirectPrimaryCare #EmployerBenefits


Hosted on Acast. See acast.com/privacy for more information.

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3 months ago
33 minutes 42 seconds

Broken Healthcare
He Built an Insurance Company to Beat the System – And It’s Saving Employers Millions | Broken Healthcare Podcast #66

Is your company overpaying for healthcare? Discover how captive insurance is changing the game for employers in this episode of Broken Healthcare.


Host Ray Kober sits down with Phil Holowka, founder of Complete Captive and MedTrans Ltd., and Rob Zwirn, CFO of Action Ambulance, to unpack the truth about employer healthcare spend—and how to take back control.


💥 Key Takeaways:

  • What exactly is a captive insurance model—and how it works
  • How employers can turn a healthcare expense into a strategic asset
  • Why captive insurance isn’t for everyone (and who it is for)
  • Real-world savings: How Rob’s company cut costs by nearly 50%
  • Why having access to claims data is a total game-changer
  • How employers can maintain national carrier networks (like Cigna) without being stuck in the BUCA system
  • The compliance wake-up call: CAA & fiduciary duty in healthcare
  • Common misconceptions about self-funding and PHI access
  • And how employers can start evaluating whether captive is right for them


💼 Whether you're a CFO, HR leader, benefits consultant, or just fed up with the status quo in employer healthcare—this episode is a must-watch.


📩 Want to connect with Phil or Rob?

Visit:

🔗 https://completecaptive.com

🔗 https://medtransltd.com

🔗 https://actionems.com


👍 Like, comment, and subscribe to join the conversation and help fix our broken healthcare system.

🔔 Don’t forget to hit the bell so you never miss a new episode!


#CaptiveInsurance #HealthcareSavings #EmployerBenefits #BrokenHealthcare #StopLoss #SelfFunding #InsuranceInnovation #RayKober #PhilHolowka #RobZwirn #CompleteCaptive #MedTrans #HealthcareReform


Hosted on Acast. See acast.com/privacy for more information.

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3 months ago
1 hour 10 minutes 15 seconds

Broken Healthcare
Behind the Curtain: Shawn Gremminger on Who Really Controls American Healthcare | Broken Healthcare Podcast #65

In this eye-opening episode of Broken Healthcare, host Ray Kober sits down with Shawn Gremminger, President & CEO of the National Alliance of Healthcare Purchaser Coalitions, to expose why healthcare feels out of control — and what employers can actually do about it.


Shawn brings decades of insider knowledge from Capitol Hill, lobbying firms, and national coalitions to reveal how policy, politics, and industry forces shape the $5 trillion U.S. healthcare system — and why employers have far more power than they realize.


🔎 In this episode:

  • The truth about lobbyists, money in politics, and how healthcare laws really get made
  • The story behind the No Surprises Act and why it almost didn’t pass
  • Why most employers are “self-funded” in name only — and how to fix that
  • How the National Alliance influences policy for 90M+ lives
  • Why regional coalitions may be the key to reshaping healthcare at scale
  • A behind-the-scenes look at working in D.C. — and why compromise still matters


💬 “We can’t keep pretending we have no control. Employers have more leverage than they realize — they just need to organize, get loud, and push back.” – Shawn Gremminger


If you're a CFO, CHRO, benefits leader, or policy junkie, this is a conversation you won’t want to miss.


📺 Watch now and subscribe for more real talk from the front lines of healthcare reform.


#BrokenHealthcare #ShawnGremminger #RayKober #EmployerBenefits #HealthcarePolicy #NationalAlliance #NoSurprisesAct #SelfFundedPlans #HealthcareReform #DCPolitics #HealthcareLeadership #HealthPlanStrategy #CFO #CHRO


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3 months ago
1 hour 23 minutes 25 seconds

Broken Healthcare
The Healthcare System Is Rigged — Here's the Exit Plan | Broken Healthcare Podcast #64

In this powerful episode of Broken Healthcare, host Ray Kober sits down with Jeff Bak, CEO of Imagine360, to dismantle the myths around employer-sponsored healthcare and reveal how reference-based pricing (RBP) is slashing costs, improving care access, and offering a real alternative to bloated PPO plans.


🚨 If you're an employer, broker, CFO, or HR leader sick of runaway healthcare costs — this is the episode you can't afford to miss.


🔍 Topics We Cover:

  • How Imagine360 evolved from ELAP Services to a full-scale alternative health plan
  • What reference-based pricing really is — and why it’s not “voodoo”
  • Real-world strategies to cut 20–30% in healthcare spend
  • Insider tactics to negotiate provider rates and eliminate overbilling
  • Why traditional PPO plans keep employers trapped — and how to break free
  • How employers like hospitals and transportation companies are using RBP to take back control


💡 Whether you're new to self-funding or already exploring innovative solutions, this episode offers hard-won lessons, real data, and a roadmap to building a sustainable, transparent healthcare plan for your organization.


🔗 Subscribe for more bold, no-BS conversations about fixing American healthcare.


#BrokenHealthcare #ReferenceBasedPricing #HealthcareReform #EmployerHealthcare #Imagine360 #JeffBak #RayKober #ELAP #SelfFundedPlans #StopLoss #RBP #HealthPlanStrategy #CFOHealthcare


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4 months ago
1 hour 26 minutes 22 seconds

Broken Healthcare
How This Texas City Saved $8 Million and Fixed Healthcare for Employees | Broken Healthcare Podcast #63

What if your city could save millions AND give employees better healthcare?


In this eye-opening episode of Broken Healthcare, host Ray Kober sits down with Jolee Perez, Director of Employee Benefits for the City of McAllen, Texas. She shares how her team broke away from the broken system, embraced Direct Primary Care, and revolutionized healthcare for over 3,000 lives—saving the city $8 million in just two years.


👉 Discover how a dysfunctional system was transformed with common sense, courage, and care.


🔥 Topics Covered:

  • The brutal reality of rising healthcare costs
  • How Direct Primary Care became a game-changer
  • Why most brokers don’t offer real solutions
  • The shocking difference in employee satisfaction
  • Simple strategies that any employer can adopt
  • What the future of healthcare SHOULD look like


💬 “I thought change was impossible…until I saw $8 million in savings.”


Whether you're an HR leader, policymaker, or just fed up with the status quo, this episode will show you what's possible—and what's next.


📌 Subscribe for more conversations that challenge the system and offer real solutions.


#BrokenHealthcare #RayKober #JoleePerez #HealthcareReform #DirectPrimaryCare #HealthBenefits #HRLeadership #HealthcareSavings #McAllenTexas #FixHealthcare #DPC #EmployeeBenefits


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4 months ago
55 minutes 42 seconds

Broken Healthcare
HR Gone Rogue: Burnout, Broken Systems & Whatever the Hell You Want! | Broken Healthcare Podcast #62

What happens when two badass HR rebels crash the Broken Healthcare podcast? A hilarious, brutally honest takedown of burnout, broken systems, and the BS that’s choking workplace sanity.


Join host Ray Kober as he welcomes Keri Ohlrich, PhD, and Kelly Guenther, co-authors of “Whatever the Hell You Want”, for an unfiltered convo on:


🔥 The real reason HR gets a bad rap (spoiler: it's not just The Office)

📉 How broken benefits and health plans sabotage your people and your bottom line

🧠 Psychology, purpose & giving the middle finger to outdated expectations

💥 What HR and CEOs really need to hear about fixing healthcare—without slashing any tires


Whether you're in HR, leadership, or just hate corporate buzzwords, this episode will have you laughing, thinking, and maybe even plotting your own workplace revolution.


👉 Don’t forget to subscribe, smash that like, and hit the bell icon so you never miss a chance to un-break healthcare!


#BrokenHealthcare #HRLeadership #CultureMatters #BenefitsReform #Healthcare #Leadership #Podcast #PeopleFirst #WhateverTheHellYouWant


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4 months ago
52 minutes 40 seconds

Broken Healthcare
“Broken Healthcare” isn’t just another podcast exposing flaws in the healthcare system—it’s a movement. Hosted by the entertaining and knowledgeable Ray Kober, we pull back the curtain on the hidden forces driving up costs and making care confusing. Whether you’re an employer, an industry insider, or just someone tired of overpriced, low-quality care, we arm you with the insights to fight back. Get real stories, expert insights, and actionable solutions to take control of healthcare decisions—because better choices start with better information.

Hosted on Acast. See acast.com/privacy for more information.