Risky Benefits

FBMC Benefits Management, Inc.

Welcome to Risky Benefits, a podcast from FBMC Management, Inc. As your personal advisor on all things benefits, join host Rick Farris, Chief Sales and Marketing Officer, every month while we educate you with all the ins and outs of compensation packages. From topics about insurance to employees and everything in between, you’ll walk away with the knowledge needed to get the most out of healthcare benefits.

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20 episodes
Updated May 19

Episodes20

Newest first

May 19 · 39 min
Six Degrees Health - Risky Benefits S6E2
Employers are fighting rising healthcare costs, and this week’s guest breaks down three powerful tools that actually move the needle. We sit down with Heath Potter, Chief Growth Officer at Six Degrees Health, to unpack reference‑based pricing, payment integrity, and member advocacy in plain, practical language. Heath shares how RBP replaces inflated PPO discounts with fair benchmarks—often around 140% of Medicare—helping plans cut medical spend by 25–40%. He also digs into the 18% claim error rate hiding in the system and why pre‑payment review on large claims is essential. You’ll hear how self‑funded employers can structure their plans with TPAs and stop‑loss, how provider education and single case agreements smooth the process, and how balance bills are typically resolved through negotiation rather than escalation. Plus, why facility claims are where the biggest savings live. A clear, actionable conversation for anyone looking to take control of healthcare spend. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
February 26 · 55 min
Sgt Jarvis V Rosier podcast - Risky Benefits S6E1
In this episode, we interviews retired US Army Sergeant Major Jarvis Rosier, Director of the Colored Troops Education Project and president of the 2nd Infantry Regiment, USCT Living History Association. Sgt. Rosier describes joining the Army at 17 in 1975, serving and completing 34 years active and reserve service before retiring in 2009. He explains his leadership philosophy as soldier-focused, earning trust by leading, and knowing your people. Sgt. Rosier details founding a USCT living history unit in Tallahassee through the Riley House Museum to preserve and teach overlooked Civil War history, including Florida battles involving USCT, and recounts the March 1865 Battle of Natural Bridge and its casualties. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Dec 16, 2025 · 31 min
Juno Kids - Risky Benefits Podcast S5E19
n this episode of Risky Benefits, Rick and Kyla interview Jordan Epstein, co-founder and CEO of Juno, about a fast-emerging benefit most employers and employees haven’t encountered: child disability insurance—essentially “long-term disability, but for kids.” Jordan shares his family’s personal experience navigating serious childhood medical issues and explains the massive financial and career impact families face when a child has a severe illness, injury, or lifelong condition. The conversation breaks down how the coverage works (including triggers, payouts, and support resources), why this protection is common in places like Sweden but historically absent in the U.S., and how brokers and employers can offer it on an employer-paid or voluntary basis. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Dec 2, 2025 · 46 min
Spring Health - Risky Benefits S5E18
In this episode of Risky Benefits, Rick and Kyla sit down with Eleanor Joseph, VP of the Public Sector at Spring Health, to unpack why traditional EAPs often fail to meet the real needs of today’s workforce—especially caregivers, frontline workers, and public sector employees. Eleanor explains how Spring Health is redefining mental health benefits with faster access to care, culturally competent support, continuous check-ins, and measurement-based outcomes that show whether people are actually getting better. The conversation explores the impact of high-exposure roles, the persistent stigma around mental health (particularly for men), and the importance of treating mental well-being as preventative care—not a crisis-only response. Employers and HR leaders will walk away with practical insights, common pitfalls to avoid, and a clearer picture of what modern, effective mental health support can look like. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Sep 30, 2025 · 56 min
Tiny Teeth of Tally - Risky Benefits Podcast
In this episode of Risky Benefits, the team is joined by Dr. Astrid Gonzalez to discuss the transformative approach of minimally invasive dentistry at Tiny Teeth of Tally. The podcast delves into Dr. Gonzalez's journey from a traditional dental practice to embracing a root-cause-first, patient-centered method for managing dental decay. Dr. Gonzalez shares her passion for pediatric dentistry, discussing how her new approach helps treat dental issues non-invasively, catering to individual needs and maintaining oral health with preventive care. The conversation covers the importance of managing the oral microbiome, utilizing specialized products, and the broader implications for insurance structures and overall healthcare. Dr. Gonzalez emphasizes the need for education, personalized care, and the potential for industry-wide change towards a more holistic approach to dental health. Listen to learn how minimally invasive techniques are revolutionizing pediatric dentistry and bringing about happier, healthier smiles. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Sep 8, 2025 · 42 min
TASC - Risky Benefits Podcast S5E16
In this episode of Risky Benefits, Derrick Daniel, Vice President of Large Market at TASC, explores how innovative benefit solutions can boost ROI, engagement, and care outcomes. Derrick highlights TASC’s leadership as the nation’s largest privately held benefit account TPA, serving 80,000+ clients including the federal government. Key insights include TASC’s universal benefit account platform that unifies multiple benefit accounts, the My Cash program for faster reimbursements and financial flexibility, and differentiated HSA and VEBA strategies. Derrick also explains how TASC’s unique revenue models keep pricing competitive. The episode offers a clear look at how TASC delivers comprehensive, forward-thinking benefit administration. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Aug 26, 2025 · 15 min
AHA - Risky Benefits Podcast S5E15
In this episode of Risky Benefits, the focus is on heart health, community wellness, and leadership beyond boardrooms. The guest, Hailey Bruce, Development Director at the American Heart Association, shares her personal journey with congenital heart defects and her professional dedication to cardiovascular health. Hailey discusses the American Heart Association's efforts in research, community engagements like the Big Bend Heart Walk, and new initiatives targeting health in the construction industry. The episode also touches on the importance of mental health, stress management, and the wide-ranging impact of cardiovascular research. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Aug 11, 2025 · 14 min
Primary Health Partners - Risky Benefits Podcast S5E14
In this episode of Risky Benefits, the podcast delves into the world of employee benefits and healthcare innovation with special guest Kristin Stamatis from Primary Health Partners. Kristin discusses her professional background, sharing insights about the membership-based direct primary care model, which eliminates insurance billing and offers unlimited access to primary care for a flat monthly fee. Kristin explains the benefits of this model for both patients and employers, highlighting reduced claim costs, increased employee satisfaction, and improved health outcomes. The conversation also covers upcoming initiatives, including a new bill allowing HSA funds for direct primary care membership and expansion plans for Primary Health Partners. Listeners are encouraged to explore new options in healthcare and benefits. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Jul 29, 2025 · 9 min
Benefits Bridge - Risky Benefits Podcast S5E13
To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Jul 15, 2025 · 11 min
Covert - Risky Benefits Podcast S5E12
In this episode of Risky Benefits, we discuss the opioid crisis with Nico LoDolce, founder of Dolce Vida Consulting, and Jose Bracero from Champion Health. The conversation introduces Covert, a groundbreaking platform that helps organizations proactively address opioid addiction by analyzing medical claims to detect early symptoms of withdrawal. The platform ensures privacy by de-identifying employee data and targets prescribers to update them on safe opioid prescribing practices. Success stories, including significant cost savings for a Florida school district, underscore Covert's impact. The episode highlights the importance of early intervention and the substantial benefits it provides to both individual health and organizational productivity. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Jul 1, 2025 · 40 min
Emily Davis - Risky Benefits Podcast S5E11
In this episode of Risky Benefits, we welcomes Emily Davis, Vice President of Partnerships and Sales at First Stop Health, to discuss strategies for creating a company culture to be proud of. Emily shares insights from her 20 years of experience in the benefits industry, highlighting the significance of direct virtual care, healthcare innovation, and meaningful personal interactions. She talks about the essential elements of a healthy workplace, emphasizing the role of play, purpose, and potential while cautioning against excessive pressure. Emily also explores the concept of viewing employee benefits as gifts, advocating for a human touch and active listening to enhance employee satisfaction and loyalty. Additionally, she provides personal anecdotes and practical examples on how to integrate these philosophies into company culture effectively. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Jun 18, 2025 · 40 min
Lucky Goat - Risky Benefits Podcast S5E10
This episode of the 'Risky Benefits' podcast features an in-depth conversation with Lindsay Sheets, Vice President of Branding at Lucky Goat Coffee. Lindsay discusses the growth and evolution of Lucky Goat, a beloved local coffee shop that has expanded into a regional brand known for its exceptional coffee and people-first culture. The discussion covers Lucky Goat's journey from wholesale to retail, the challenges and strategies of maintaining culture and quality during expansion, and the importance of robust employee benefits and career growth opportunities. Lindsay also shares insights on the brand's franchising efforts, the impact of documented processes on scaling operations, and the future plans for Lucky Goat. The conversation highlights the company's commitment to both customer and employee experiences, making it a unique and thriving business. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Jun 3, 2025 · 1 hr 2 min
Andrea Messina and Danielle Thomas FSBA - Risky Benefits Podcast S5 E9
In this episode of Risky Benefits, we speak with Andrea Messina and Danielle Thomas from the Florida School Boards Association. Andrea and Danielle provide insights on the outcomes of the 2025 legislative session, emphasizing important changes in school start times and school safety measures. They discuss the implementation challenges and financial implications for school districts. Additionally, they address the increasing need for schools to adapt to emerging technologies and the importance of building relationships with legislators. The discussion also touches on strategies for efficiently managing school resources amid evolving educational landscapes, including the role of benefits and support for staff in school districts. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
May 20, 2025 · 28 min
Independence Landing - Risky Benefits Podcast S5E8
In this episode of Risky Benefits, the team welcomes Denise Wilson, a dedicated board member at Independence Landing, a non-profit organization providing safe, affordable, and supportive housing for individuals with intellectual and developmental disabilities. Denise shares her personal journey, motivation for her involvement, and the impactful work being done at Independence Landing. Listeners will learn about the community's focus on fostering independence, supporting residents through service coordination, and upcoming projects like Phase Two aimed at more supported living. The discussion also covers how community members can contribute and support initiatives, including volunteer opportunities and funding needs. For more information or to make a donation, listeners are encouraged to visit the Independence Landing website. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Apr 21, 2025 · 11 min
Consolidated Billing - Risky Benefits Podcast S5E7
Welcome to another episode of Risky Benefits! In this episode, we welcome back Emily Faimoa, Vice President of Client Administration at FBMC, to discuss the intricacies of consolidated billing and reconciliation. Emily elaborates on how her team alleviates the burdens faced by HR, payroll, and accounting teams by managing multiple vendor payments, providing concise invoicing, and performing detailed reconciliations. Emily explains how their services streamline benefits administration, ensuring employees' benefits are managed accurately and efficiently. Tune in to learn how consolidated billing and reconciliation can simplify your organization's benefits process. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Apr 8, 2025 · 31 min
Clemons Company - Risky Benefits Podcast S5E6
Welcome to another episode of Risky Benefits! This week, we sit down with Scott Clemons and Michelle Matt, president and vice president of the Clemons Company, to discuss their recent partnership with FBMC and the unique approach they bring to employee benefits consulting. From Scott's switch from law to insurance and Michelle's 25-year journey with the company, learn about the personal services, innovative practices, and deep community involvement that set the Clemons Company apart. They share insights into the firm's history, their commitment to ethical practices, and what makes their services special for both small and large employers. Additionally, they reflect on the benefits of their partnership with FBMC, emphasizing shared values, cultural compatibility, and enhanced resources. Tune in for an enlightening conversation on delivering exceptional employee benefits solutions with a personal touch. Visit fbmc.com/podcast for more episodes. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Mar 22, 2025 · 27 min
Dr. Wilcox - Risky Benefits Podcast S5E5
Welcome to another episode of Risky Benefits! This week, our special guest is Dr. James Wilcox, who served as Superintendent of Longview Independent School District from 2007 to 2023 and now works as an Employee Benefits Consultant for FBMC. Dr. Wilcox shares fascinating insights from his long career in education, reflecting on the changes in the school system and the pressures today's students face. He discusses the importance of planning and innovative thinking in both education and employee benefits. Additionally, he provides tips for school districts on improving financial health and leveraging legislative opportunities like Texas Senate Bill 1882. Tune in as Dr. Wilcox shares his experiences and advice on creating a positive impact through education and benefits consulting. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Mar 21, 2025 · 13 min
One Day For Jackson - Risky Benefits Podcast S5E4
This episode of 'Risky Benefits' features Betty Galan, Executive Director of Development for the Jackson Health Foundation. Betty provides an overview of the foundation's role in fundraising for the Jackson Health System and discusses their upcoming event, 'One Day for Jackson,' a campaign similar to Give Miami Day, centered around raising funds for the health system. The foundation supports various hospitals and programs, including the construction of a new emergency room at Jackson Memorial. Betty also highlights other initiatives like the Guardian Angels Luncheon and holiday toy drive, emphasizing community involvement and volunteer opportunities. Listeners are encouraged to visit onedayforjackson.org to learn more and participate. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Mar 11, 2025 · 50 min
Humana - Risky Benefits Podcast S5E3
This episode of 'Risky Benefits' features Laura Nolan, Director of Public Sector Sales at Humana, who shares her 25 years of experience in the industry to discuss key trends in dental and vision insurance. She talks about the impact of employer group benefits on public sector employees, such as teachers and city workers, and highlights the importance of preventative care and on-site services. Laura also shares personal insights about her wellness goals and underscores the benefits of AI in healthcare for improving efficiency and early diagnosis. The conversation sheds light on how robust benefits plans are crucial for employee recruitment and retention in both public and private sectors. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.
Feb 25, 2025 · 18 min
Allstate Bexa - Risky Benefits - S5E2
In this episode of Risky Benefits, the hosts introduce Elizabeth Fire and Timree from BEXA and Allstate, respectively. They discuss a new partnership aimed at improving healthcare for women, particularly focusing on early detection of breast cancer. The episode highlights the functionality of BEXA's handheld technology, which addresses gaps in care by providing pain-free, radiation-free breast exams. This is particularly important given the rising rates of breast cancer and the underutilization of mammograms. The conversation also covers the unique aspects of the BEXA service model, its implementation, and the logistics of bringing this solution to various workplaces, particularly those with centralized female employee populations. The episode concludes with a call to action for employers and listeners to explore BEXA's offerings and make use of the resources provided by Allstate. To listen in and subscribe to more episodes, visit our website: fbmc.com/podcast.