The-Shift-Shapers-Podcast-(Rough-Comp-2)

On this episode of ShiftShapers, Tobe Gerard shares valuable insight into how she built a successful agency specializing in long-term care insurance. She had 20 years of experience in the insurance industry before starting her firm, and for the past 15 years, she’s built a highly efficient, effective and successful agency using a unique strategy.

Rather than finding prospects directly – as is the case with most practices – Tobe took a different route. Instead, she cultivates relationships with other professionals, including financial planners, life insurance brokers, accountants, and others. Her network continually refers clients to Tobe as a subject matter expert in long-term care insurance. Once the prospects began flowing, she developed a multi-part strategy to convert prospects into clients.

Join us to find out how Tobe was able to shape her successful referral-based, long-term care specialty practice and how it is doing in today’s environment. Learn which tools and techniques are most effective for working with long-term care clients and prospects, and why the current trend of using riders on life plans may not always be the best solution for your clients.

 

What You’ll Learn From this Episode:

  • How Tobe was initially introduced to the insurance industry.
  • How she was able to build a referral-only practice.
  • How Tobe creates new sources of referrals for her agency.
  • Tools and techniques for working with long-term clients.
  • What “Invisible Coverages” are.

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On this episode of ShiftShapers, our guest and I discuss the new and diverse tools that advisors within the insurance industry are using to market their businesses. The fastest growing method happens to be video, and Bart Camarata is an expert on the topic.

Bart is the creator and host of BenefitAdvisor TV, where he leverages his Middle Tennessee State education to produce quality video content. Bart takes on some preconceptions about video – is it expensive to get started? and is it difficult to get started? We also discuss how advisors and agencies can begin to use video in a variety of ways to market their practices.

Listen in as Bart shares his thoughts on why he believes the video is the “King of All Media,” and explains how simple it can be for advisors to get started with the medium. We wrap up by laying out how video builds businesses and constitutes social proof in today’s market.

What You’ll Learn From this Episode:

  • The immediate advantages of video, including its ability to hit emotional chords better than other media.
  • Why video marketing is not just a “carrier thing.”
  • How advisors can get started with video.
  • How modern technology allows you to avoid breaking the bank and produce great content.
  • The ways that videos achieve social proof.

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Drug costs are soaring and driving more of medical spend than ever before. The good news is that there are tools coming to market to help consumers and plans alike.

That is what our guest, Gary Becker, CEO of ScriptSourcing, and I discuss on this episode. We begin with an exploration of why prescription drugs are so much more expensive in the United States than they are in other countries. We discuss the particular drugs that are driving the pharma cost component to all-time highs.

Gary explains the three strategies being employed by many plans and discusses how advisors can have this conversation with their clients. We conclude our conversation with Gary’s view that advisors must start charging for their services on a quantifiable, performance-based structure.

What You’ll Learn From this Episode:

  • Why drugs are so expensive in the USA.
  • How pharma is driving medical spend consistently higher.
  • The expected increases in pharma costs in the coming years.
  • What constitutes international pharmacy management.
  • How specialty meds fit into the pharmacy market.
  • The landscape of international pharmacy tourism and its effects on the pharma market in the US.
  • Whether advisors should bring this model to their employers, and whether they should get compensated on a percentage-of-savings basis.

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Clients want more than a broker slinging the same old solutions – they want an advisor who can help them understand where the money is going, and how to control their spend over the entire claims spend continuum. Our guest on this episode, former professional poker player turned benefits advisor John Sbrocco, has spent time, money and a whole lot of effort to be that advisor, and in the 2-part interview, he shares what he has learned.

What You’ll Learn From this Episode:

  • How did poker inform his insurance decisions?
  • What successful strategies do you need to employ first?
  • Three ways for clients to hire you as an advisor.
  • The role of social media.
  • Why you MUST use video.

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The-Shift-Shapers-Podcast-(Rough-Comp-2)

Clients want more than a broker slinging the same old solutions – they want an advisor who can help them understand where the money is going, and how to control their spend over the entire claims spend continuum. Our guest on this episode, former professional poker player turned benefits advisor John Sbrocco, has spent time, money and a whole lot of effort to be that advisor, and in the 2-part interview, he shares what he has learned.

What You’ll Learn From this Episode:

  • How did poker inform his insurance decisions?
  • What successful strategies do you need to employ first?
  • Three ways for clients to hire you as an advisor.
  • The role of social media.
  • Why you MUST use video.

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Specialty drugs represent an ever-growing driver of our overall enormous drug spend. Pramod John, our guest on this episode, is CEO of Vivio Health, which is singularly focused on using outcomes revealed by data and analytics to bend the hockey-stick curve of this spending trend.

What You’ll Learn From this Episode:

  • Why do Americans have the highest drug costs?
  • Exploding the myth that Americans’ costs are highest because we pay for all of the R&D while the rest of the world benefits.
  • Can Amazon, Aetna/CVS, etc. solve this problem?
  • How can we be efficient and effective when there are five times more pharmacies than McDonald’s?
  • Are PBMs part of the solution or part of the problem?

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There is a fast-growing movement toward bundled, all-in one-price medical services that save money, provides less complexity for members, and may make networks (as we know them today) obsolete. Our guest on this episode is Stan Schwartz, M.D., the Chief Medical Officer of The Zero Card, a company which is in the forefront of making this dramatic change.

What You’ll Learn From this Episode:

  • What is the scenario when rates are unbundled?
  • How rates get bundled.
  • Is this a region-by-region or a nationwide play?
  • How to gain employee engagement.
  • What advisors need to know to have an effective client conversation.

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Pharmacy costs are increasing exponentially – some estimate that they will soon represent more than a quarter of all plan spend. Yet this portion of the industry is so opaque that it is nearly impossible to accurately understand what, exactly, is being paid – and where those payments actually go. Our guest on this episode is Kent Thomas, founder of Pharmatrix, a marketing firm focused on creating a fiduciary-like environment where PBMs become fully transparent.

What You’ll Learn From this Episode:

  • Defining terms such as spread pricing, AWP, rebates, etc.
  • The challenges advisors face speaking with prospects and clients
  • Who controls the market today, and why that matters
  • Beyond prescribing – the importance of clinical expertise
  • How a “fiduciary-like” model works for everyone

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Direct Primary Care (DPC) has been available for some time, but it has been marketed mainly to individuals. Today, a small number of DPC doctors and executives are making substantial strides toward breaking into the employer market. Our guest, Alex Lickerman, MD, Founder and CEO at ImagineMD, thinks the time is right and explains how it all works.

What You’ll Learn From this Episode:

  • Understanding the different DPC practice models.
  • The “single shingle” practice still plays a role.
  • What advisors need to have credible and successful C-Suite discussions.
  • How increased interest in partial self-funding is accelerating the opportunities.
  • Why working with advisors helps DPC practices adapt and prosper.

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On this episode, Megan Chiarello (Grassetto Creative) and your host – two admitted marketing geeks – discuss how to create impactful marketing campaigns and events. Megan offers her advice on the three questions you must answer to create success with your marketing efforts. We explore the differences between selling and marketing, and much more.

What You’ll Learn From this Episode:

  • The 3 first questions to answer before starting a marketing campaign.
  • The difference between selling and marketing.
  • How to drive lead.
  • The ultimate importance of storytelling.
  • What regional variations you need to consider.
  • What is “Write Once, Use Many”?

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