CLEARly Beneficial Podcast

The most important thing in picking out an insurance plan is... Your maximum out of pocket!  All of your costs related to your health will be stacked up against that maximum out of pocket before your insurance covers it. In other words, all the other things under your insurance plan: the deductible, the coinsurance, the copay, etc, all apply to that out-of-pocket maximum. Once you hit that maximum...

What to Do When Your Health Insurance Costs Are Skyrocketing Vincent Catalano tackles the anxiety-inducing reality of rising health insurance premiums as ACA subsidies face elimination, explaining what individuals and families need to know to make smart coverage decisions for 2026. Vincent addresses the widespread panic as people receiving plans from ACA exchanges worry about losing subsidies that...

Why Health Insurance Costs Keep Rising—And What's Really Broken in the System Chris Moyer, President & CEO of ASR Health Benefits, reveals why healthcare costs continue their unsustainable climb and why most employers still don't understand their options for controlling them. Vincent and Chris discuss the role of third-party administrators (TPAs) in self-funded health plans, explaini...

Why Your Employees Are Overpaying for Prescriptions—And How Pharmacy Navigation Tools Can Fix It Ferrin Williams, PharmD, MBA, Chief Pharmacy Officer at Scripta Insights, reveals how pharmacy care navigation tools can help employees save thousands on prescriptions while working within existing PBM systems. Vincent and Ferrin discuss pharmacy benefit managers (PBMs), comparison shopping tools for p...

Beyond Self-Funding: Why Reference-Based Pricing Is the Solution Hiding in Plain Sight Mike Trent, VP of Business Development at ClaimDOC, reveals why self-funding alone doesn't solve healthcare costs—and how RBP can save employers $150,000 per 100 employees annually. Vincent and Mike discuss reference-based pricing (RBP) as an alternative to traditional PPO networks for self-funded employers...

Building a Culture of Health: The Competitive Advantage Employers Miss Dr. Raymond Fabius, co-founder, president and chief medical officer of HealthNEXT and co-author of "Population Health: Creating a Culture of Wellness," reveals why mid-market companies lack the healthcare expertise to tackle rising costs—and what C-suite leaders need to do about it. Vincent Catalano welcomed Dr. Raymo...

Vincent welcomed executive advisor Nell Goodarzi to discuss her transition from investment banking to guiding leaders through career pivots and organizational transformation. Nell shared her personal journey through burnout and a health crisis that led to self-discovery via world travel, where she gained clarity about her path beyond corporate life. Nell explained her strategic approach to buildin...

Understanding How Healthcare Works from an Industry Insider Vincent Catalano welcomed author Judith Kunisch to discuss her book "The Center of the Star," which offers insights into the healthcare industry. Drawing from her extensive career, Judith explained how healthcare, the world's second-largest industry, operates through five interconnected sectors that often work independently...

Your host of the CLEARly Beneficial podcast, Vincent Catalano, explores the critical decisions employees face during open enrollment for 2026 health coverage. He highlights that most employees spend only 9 minutes reviewing complex insurance materials, despite significant cost implications. The episode breaks down essential concepts including payer mix, out-of-pocket maximums, and the differences...

CLEARly Beneficial Podcast: Where We Rip Off the Band-aid and Explore What's Next Welcome to the CLEARly Beneficial podcast - the show where we rip off the band-aid on healthcare and explore the future of benefits with the people driving innovation in our industry. Host Vincent Catalano brings over 20 years of health insurance brokerage expertise to conversations that get to the real story. Y...