<![CDATA[Behind The Premium]]>Behind the Premium investigates what employee benefits and healthcare actually cost — and where the money goes. Host Kody King sits down with the people who know the system from the inside: clinicians, benefits leaders, brokers, and operators who've seen where the waste hides and what it takes to fix it. This is the home channel for the full network — Second Opinion, Benefits 3.0, Behind the Bite, and Behind the Quote. If you pay for coverage, manage a plan, or sell one, it's built for you.

New episodes regularly. Subscribe and follow along.

]]>www.behindthepremium.comRiverside.fm (https://riverside.com)Tue, 13 Oct 2026 16:35:13 GMTTue, 16 Jun 2026 01:37:47 GMT60Kody<p>Behind the Premium investigates what employee benefits and healthcare actually cost — and where the money goes. Host Kody King sits down with the people who know the system from the inside: clinicians, benefits leaders, brokers, and operators who've seen where the waste hides and what it takes to fix it. This is the home channel for the full network — Second Opinion, Benefits 3.0, Behind the Bite, and Behind the Quote. If you pay for coverage, manage a plan, or sell one, it's built for you. <br /><br />New episodes regularly. Subscribe and follow along.</p><p></p>episodicKodykody.king@behindthepremium.comno<![CDATA[Why Your Dental Practice Has Invisible Revenue Leaks]]>Your dental practice is losing revenue to something that never shows up on a report: everyday communication. This roundtable breaks down where it leaks and how to close the gap.

In this Behind the Bite roundtable, host Kody King sits down with a panel of dental marketing, HR, branding, technology, and benefits experts to map the communication gaps that quietly drain dental practice revenue. From the front desk to treatment-plan follow-up to the way benefits get explained, the small breakdowns add up to real money.

You'll hear where revenue actually leaks and why it stays invisible, how unclear ownership and inconsistent messaging chip away at patient trust and case acceptance, where AI helps versus where it quietly hurts the human side of patient care, and how employee engagement and benefits shape both staff retention and the patient experience.

If you own or manage a practice and you're tired of losing money you can't see, this one's for you.

Timestamps

00:00 Introduction to Communication in Dental Practices

07:20 Identifying Revenue Leaks in Dental Practices

19:30 The Role of AI in Dental Communication

23:51 Marketing Strategies for Dental Practices

32:11 The Emotional Connection in Sales

33:20 Understanding Your Team for Better Service

36:00 Attracting Talent Through Effective Communication

37:08 Employee Benefits and Retention Strategies

38:11 Innovative Health Insurance Solutions

40:15 Communicating Benefits Effectively

43:05 Creating a Culture of Care

44:14 The Importance of Human Connection

50:12 Addressing Core Issues in Practices

54:11 Overcoming Scarcity Mindset

60:00 Final Thoughts and Recommendations

New episodes drop on the Behind the Premium channel. Subscribe so you don't miss the next one.

YouTube: https://www.youtube.com/@BehindThePremium

LinkedIn: https://www.linkedin.com/company/behind-the-premium

Partnership Disclosure: Behind the Bite is part of the Behind the Premium network, produced in partnership with Dental Skool, a free educational community for dental professionals. This is a promotional collaboration, not a paid sponsorship. Disclosed in accordance with FTC guidelines.

Disclaimer: The content shared on this series, part of the Behind the Premium network, is provided for general educational and informational purposes only. Discussions of employee benefits, health plans, insurance, coverage, claims, costs, and related topics are general in nature and are not financial, insurance, tax, legal, or benefits-planning advice, and should not be relied upon for any specific decision. Benefit plans, coverage options, pricing, and applicable regulations vary by individual, employer, and location, and change over time. Engaging with this content does not create a professional, advisory, broker-client, agent, or fiduciary relationship of any kind. Always consult a licensed insurance broker, benefits advisor, attorney, tax professional, or other qualified expert before making decisions about your benefits, coverage, or finances. Statements made by hosts, guests, and panelists — including any who are owners, employees, or representatives of a partner company — are their own. You are solely responsible for any decisions or actions you take based on this content. To the fullest extent permitted by law, the hosts, guests, panelists, and Behind the Premium disclaim any and all liability arising from your use of or reliance on this content. Any references to dental or medical topics are general and are not a substitute for advice from a licensed dentist or physician.

]]>2cd09916-2dde-4086-be68-7b74e5e549adTue, 04 Aug 2026 05:58:44 GMT<p>Your dental practice is losing revenue to something that never shows up on a report: everyday communication. This roundtable breaks down where it leaks and how to close the gap.</p><p></p><p>In this Behind the Bite roundtable, host Kody King sits down with a panel of dental marketing, HR, branding, technology, and benefits experts to map the communication gaps that quietly drain dental practice revenue. From the front desk to treatment-plan follow-up to the way benefits get explained, the small breakdowns add up to real money.</p><p></p><p>You'll hear where revenue actually leaks and why it stays invisible, how unclear ownership and inconsistent messaging chip away at patient trust and case acceptance, where AI helps versus where it quietly hurts the human side of patient care, and how employee engagement and benefits shape both staff retention and the patient experience.</p><p></p><p>If you own or manage a practice and you're tired of losing money you can't see, this one's for you.</p><p></p><p>Timestamps</p><p>00:00 Introduction to Communication in Dental Practices</p><p>07:20 Identifying Revenue Leaks in Dental Practices</p><p>19:30 The Role of AI in Dental Communication</p><p>23:51 Marketing Strategies for Dental Practices</p><p>32:11 The Emotional Connection in Sales</p><p>33:20 Understanding Your Team for Better Service</p><p>36:00 Attracting Talent Through Effective Communication</p><p>37:08 Employee Benefits and Retention Strategies</p><p>38:11 Innovative Health Insurance Solutions</p><p>40:15 Communicating Benefits Effectively</p><p>43:05 Creating a Culture of Care</p><p>44:14 The Importance of Human Connection</p><p>50:12 Addressing Core Issues in Practices</p><p>54:11 Overcoming Scarcity Mindset</p><p>60:00 Final Thoughts and Recommendations</p><p></p><p>New episodes drop on the Behind the Premium channel. Subscribe so you don't miss the next one.</p><p></p><p>YouTube: <a rel="noopener noreferrer nofollow" href="https://www.youtube.com/@BehindThePremium" target="_blank">https://www.youtube.com/@BehindThePremium</a></p><p>LinkedIn: <a rel="noopener noreferrer nofollow" href="https://www.linkedin.com/company/behind-the-premium" target="_blank">https://www.linkedin.com/company/behind-the-premium</a></p><p></p><p>Partnership Disclosure: Behind the Bite is part of the Behind the Premium network, produced in partnership with Dental Skool, a free educational community for dental professionals. This is a promotional collaboration, not a paid sponsorship. Disclosed in accordance with FTC guidelines.</p><p>Disclaimer: The content shared on this series, part of the Behind the Premium network, is provided for general educational and informational purposes only. Discussions of employee benefits, health plans, insurance, coverage, claims, costs, and related topics are general in nature and are not financial, insurance, tax, legal, or benefits-planning advice, and should not be relied upon for any specific decision. Benefit plans, coverage options, pricing, and applicable regulations vary by individual, employer, and location, and change over time. Engaging with this content does not create a professional, advisory, broker-client, agent, or fiduciary relationship of any kind. Always consult a licensed insurance broker, benefits advisor, attorney, tax professional, or other qualified expert before making decisions about your benefits, coverage, or finances. Statements made by hosts, guests, and panelists — including any who are owners, employees, or representatives of a partner company — are their own. You are solely responsible for any decisions or actions you take based on this content. To the fullest extent permitted by law, the hosts, guests, panelists, and Behind the Premium disclaim any and all liability arising from your use of or reliance on this content. Any references to dental or medical topics are general and are not a substitute for advice from a licensed dentist or physician.</p><p></p>no00:56:5617Why Your Dental Practice Has Invisible Revenue Leaksfull<![CDATA[Carrier Vetting Questions That Actually Save Money]]>Vetting insurance carriers and benefits vendors is where employers quietly win or lose the year. Most pick on price, then find out what they actually bought at renewal.

In this Behind the Premium roundtable, veteran brokers and a benefits operator break down how to vet carriers and point solution vendors before you sign. We get into the questions that expose a bad fit, where hidden fees and network gaps hide, and who is actually accountable when a plan breaks.

It is built for employers, HR and benefits leaders, brokers, and CFOs who are tired of cycling through the same carriers and expecting a different result. You will walk away with tactics you can use right away: ask for real case studies, pressure test the ROI claims, simplify the employee experience, and move fast when a solution is not working inside ninety days.

The through line is transparency. When employers take control of their plan data and ask harder questions, the savings can be real, often in the range of 15 to 23 percent, without cutting benefits or narrowing access.

Featured voices:

Kody King, host, Behind the Premium

Ken Wosczyna, EBA One

Jon Knudson, Knudson Benefits Group (knudsonbenefits.com)

Jacob Davis, CEO, Weltrio (weltrio.com)

Timestamps:

00:00 Intro: vetting carriers and vendors

01:08 Meet the panel — Ken, Jon, and Jacob

02:39 Why renewal rates keep climbing

04:25 The biggest mistake employers make

05:15 A healthcare renaissance: real transparency

07:27 Point solutions — real value or expensive noise?

07:51 Start with a multi-year plan, not five at once

10:30 The red flag that makes a broker walk away

12:31 Quantifying savings and proving ROI

15:28 GLP-1 carve-outs and testing new trends

21:15 When a rollout backfires

27:07 Ask the questions you are scared to ask

33:47 Aligning on goals: why do you offer insurance?

38:54 The handoff problem — C-suite, HR, and the broker

45:27 Ninety days in and it is not working

48:35 The hot take: go self-managed

49:21 Wrap-up and subscribe

Subscribe for more conversations that pull back the curtain on how benefits really work. If you want to stop guessing at renewal, hit subscribe and follow along.

YouTube: https://www.youtube.com/@BehindThePremium

LinkedIn: https://www.linkedin.com/company/behind-the-premium

]]>442798e2-d922-47bf-ad86-ef6e681b4066Thu, 23 Jul 2026 06:20:15 GMT<p>Vetting insurance carriers and benefits vendors is where employers quietly win or lose the year. Most pick on price, then find out what they actually bought at renewal.<br /></p><p>In this Behind the Premium roundtable, veteran brokers and a benefits operator break down how to vet carriers and point solution vendors before you sign. We get into the questions that expose a bad fit, where hidden fees and network gaps hide, and who is actually accountable when a plan breaks.<br /></p><p>It is built for employers, HR and benefits leaders, brokers, and CFOs who are tired of cycling through the same carriers and expecting a different result. You will walk away with tactics you can use right away: ask for real case studies, pressure test the ROI claims, simplify the employee experience, and move fast when a solution is not working inside ninety days.</p><p>The through line is transparency. When employers take control of their plan data and ask harder questions, the savings can be real, often in the range of 15 to 23 percent, without cutting benefits or narrowing access.</p><p>Featured voices:</p><p>Kody King, host, Behind the Premium</p><p>Ken Wosczyna, EBA One</p><p>Jon Knudson, Knudson Benefits Group (<a rel="noopener noreferrer nofollow" href="http://knudsonbenefits.com" target="_blank">knudsonbenefits.com</a>)</p><p>Jacob Davis, CEO, Weltrio (<a rel="noopener noreferrer nofollow" href="http://weltrio.com" target="_blank">weltrio.com</a>)</p><p>Timestamps:</p><p>00:00 Intro: vetting carriers and vendors</p><p>01:08 Meet the panel — Ken, Jon, and Jacob</p><p>02:39 Why renewal rates keep climbing</p><p>04:25 The biggest mistake employers make</p><p>05:15 A healthcare renaissance: real transparency</p><p>07:27 Point solutions — real value or expensive noise?</p><p>07:51 Start with a multi-year plan, not five at once</p><p>10:30 The red flag that makes a broker walk away</p><p>12:31 Quantifying savings and proving ROI</p><p>15:28 GLP-1 carve-outs and testing new trends</p><p>21:15 When a rollout backfires</p><p>27:07 Ask the questions you are scared to ask</p><p>33:47 Aligning on goals: why do you offer insurance?</p><p>38:54 The handoff problem — C-suite, HR, and the broker</p><p>45:27 Ninety days in and it is not working</p><p>48:35 The hot take: go self-managed</p><p>49:21 Wrap-up and subscribe<br /></p><p>Subscribe for more conversations that pull back the curtain on how benefits really work. If you want to stop guessing at renewal, hit subscribe and follow along.</p><p>YouTube: <a rel="noopener noreferrer nofollow" href="https://www.youtube.com/@BehindThePremium" target="_blank">https://www.youtube.com/@BehindThePremium</a></p><p>LinkedIn: <a rel="noopener noreferrer nofollow" href="https://www.linkedin.com/company/behind-the-premium" target="_blank">https://www.linkedin.com/company/behind-the-premium</a></p><p></p>no00:50:3017Carrier Vetting Questions That Actually Save Moneyfull<![CDATA[Actress to Dental Practice Coach | Micky Chorny Interview]]>Can acting skills run a dental practice? Dental practice coach Micky Chorny says "YES!" The best consultants perform, connect, and listen like it's opening night.

Micky trained in acting at NYU. She spent years as a working actress in New York City, then one growth workshop changed her path. Today she runs Aligned Dental Practice, where she has coached hundreds of dental teams on leadership, communication, and the systems that make growth stick.

In this Behind the Bite interview, Kody King and Micky get into her origin story, why acting skills are undervalued in dental practice management, how to hire for potential over experience, and the daily morning huddle that closes gaps before they cost you money.

CHAPTERS

00:00 - Human connection over systems and hacks
00:28 - Meet Micky Chorny
01:16 - Origin story: acting to coaching
01:43 - Personal development epiphanies
02:23 - Moving into dental business coaching
03:17 - Building a consulting career
04:37 - Authentic leadership and communication
05:45 - Shifting from corporate to independent consulting
07:33 - Founding Aligned Dental Practice
09:14 - The limits of formal business education
11:11 - How acting sharpens leadership and engagement
14:38 - Personal development meets operational change
15:01 - Leadership, systems, and empowering people
16:11 - Presence and mental framework
17:27 - Micky's pillars: leadership, people, systems
18:22 - Making management enjoyable
19:10 - Living the brand and honoring your values
20:06 - Owner issues that need outside insight
21:11 - Outside perspective, faster growth
22:15 - Supporting trapped or thriving owners
23:34 - Building trust and managing client expectations
24:22 - Growth mindset for strong practices
27:50 - Beating industry myths with honesty and data
28:56 - Metrics, data, realistic goals
31:13 - Specialists for complex issues
32:03 - Outside perspective reveals hidden challenges
33:00 - Sneaky complexities in practice management
34:19 - Financial health: the overlooked complexity
36:30 - Knowing your limits and referring to specialists
37:30 - Communication habits that hold you back
39:30 - Repeatable processes for growth
41:47 - Active management through agreements and accountability
44:08 - Hiring potential over experience
45:02 - Continuous learning in team building
46:04 - Start with a daily morning huddle
46:55 - Closing remarks

CONNECT WITH MICKY CHORNY
LinkedIn: https://www.linkedin.com/in/micky-chorny/
Aligned Dental Practice: https://aligneddentalpractice.com/

FOLLOW BEHIND THE PREMIUM
Subscribe so you never miss an episode.

YouTube: https://www.youtube.com/@BehindThePremium
LinkedIn: https://www.linkedin.com/company/behind-the-premium

Partnership Disclosure: Behind the Bite is part of the Behind the Premium network, produced in partnership with Dental Skool, a free educational community for dental professionals. This is a promotional collaboration, not a paid sponsorship. Disclosed in accordance with FTC guidelines.

]]>25b87362-25f0-44d7-8bc3-5e4ad9aa6678Wed, 15 Jul 2026 03:01:22 GMT<p>Can acting skills run a dental practice? Dental practice coach Micky Chorny says "YES!" The best consultants perform, connect, and listen like it's opening night.<br /><br />Micky trained in acting at NYU. She spent years as a working actress in New York City, then one growth workshop changed her path. Today she runs Aligned Dental Practice, where she has coached hundreds of dental teams on leadership, communication, and the systems that make growth stick.<br /><br />In this Behind the Bite interview, Kody King and Micky get into her origin story, why acting skills are undervalued in dental practice management, how to hire for potential over experience, and the daily morning huddle that closes gaps before they cost you money.<br /><br />CHAPTERS<br /><br />00:00 - Human connection over systems and hacks<br />00:28 - Meet Micky Chorny<br />01:16 - Origin story: acting to coaching<br />01:43 - Personal development epiphanies<br />02:23 - Moving into dental business coaching<br />03:17 - Building a consulting career<br />04:37 - Authentic leadership and communication<br />05:45 - Shifting from corporate to independent consulting<br />07:33 - Founding Aligned Dental Practice<br />09:14 - The limits of formal business education<br />11:11 - How acting sharpens leadership and engagement<br />14:38 - Personal development meets operational change<br />15:01 - Leadership, systems, and empowering people<br />16:11 - Presence and mental framework<br />17:27 - Micky's pillars: leadership, people, systems<br />18:22 - Making management enjoyable<br />19:10 - Living the brand and honoring your values<br />20:06 - Owner issues that need outside insight<br />21:11 - Outside perspective, faster growth<br />22:15 - Supporting trapped or thriving owners<br />23:34 - Building trust and managing client expectations<br />24:22 - Growth mindset for strong practices<br />27:50 - Beating industry myths with honesty and data<br />28:56 - Metrics, data, realistic goals<br />31:13 - Specialists for complex issues<br />32:03 - Outside perspective reveals hidden challenges<br />33:00 - Sneaky complexities in practice management<br />34:19 - Financial health: the overlooked complexity<br />36:30 - Knowing your limits and referring to specialists<br />37:30 - Communication habits that hold you back<br />39:30 - Repeatable processes for growth<br />41:47 - Active management through agreements and accountability<br />44:08 - Hiring potential over experience<br />45:02 - Continuous learning in team building<br />46:04 - Start with a daily morning huddle<br />46:55 - Closing remarks<br /><br />CONNECT WITH MICKY CHORNY<br />LinkedIn: <a rel="noopener noreferrer nofollow" href="https://www.linkedin.com/in/micky-chorny/" target="_blank">https://www.linkedin.com/in/micky-chorny/</a><br />Aligned Dental Practice: <a rel="noopener noreferrer nofollow" href="https://aligneddentalpractice.com/" target="_blank">https://aligneddentalpractice.com/</a><br /><br />FOLLOW BEHIND THE PREMIUM<br />Subscribe so you never miss an episode.<br /><br />YouTube: <a rel="noopener noreferrer nofollow" href="https://www.youtube.com/@BehindThePremium" target="_blank">https://www.youtube.com/@BehindThePremium</a><br />LinkedIn: <a rel="noopener noreferrer nofollow" href="https://www.linkedin.com/company/behind-the-premium" target="_blank">https://www.linkedin.com/company/behind-the-premium</a><br /><br />Partnership Disclosure: Behind the Bite is part of the Behind the Premium network, produced in partnership with Dental Skool, a free educational community for dental professionals. This is a promotional collaboration, not a paid sponsorship. Disclosed in accordance with FTC guidelines.<br /><br /></p>no00:44:4016Actress to Dental Practice Coach | Micky Chorny Interviewfull<![CDATA[Olympic Bobsled Coach Chris Fogt on Winning Under Pressure]]>Chris Fogt has coached Team USA down an icy track at 90 miles an hour, where the gap between a medal and fourth place comes down to about three tenths of a second. In this Behind the Premium interview, he sits down with host Kody King to talk about what it takes to build a team that performs when the margin is that thin.

Chris is a three-time Olympian, a 2014 silver medalist in the four-man event, and a Lieutenant Colonel in the U.S. Army. He went from high school and college track in Utah to the Olympic podium, and today he is the head coach of USA Bobsled, the team he led at the 2026 Winter Olympics. He came up through the Army's World Class Athlete Program, and he brings that same mix of discipline and drive to how he builds and leads his roster.

IN THIS EPISODE

- How the Army's World Class Athlete Program turns soldiers into Olympic athletes

- Chris's Olympic path: three Games, a 2014 silver medal, and balancing family with active-duty service

- Moving from athlete to head coach, and what he learned from mentor Brian Shimer

- How the team scouts talent from track, football, and other sports

- What separates elite performers: speed, strength, and mental toughness

- Why confidence and early access to sports matter so much for kids

- The youth-sports platform Chris is building for coaches, athletes, and parents

- Training, nutrition, and the small rituals that keep athletes sharp

- Staying competitive when weather and conditions work against you

CHAPTERS
00:00 - Introduction: from military service to Olympic coaching
02:47 - Chris Fogt's Olympic career: events and medals
04:22 - From athlete to coach: mentorship and leadership
06:12 - How Olympic bobsled events are structured
08:29 - Training year-round: challenges and adaptations
10:16 - Nutrition and diet in high-performance sport
11:48 - Post-Olympics recovery: myths and realities
12:42 - How college athletes and military personnel join the team
13:41 - Recruitment combines and scouting new talent
16:32 - The move into coaching: motivation and experience
18:09 - Building team culture
19:07 - Olympic success stories
20:36 - How changing weather affects winter-sports training
22:18 - Building Arena Sports, a youth-sports marketplace
25:08 - Youth sports: confidence, access, and growth
28:41 - Personal work in youth fitness and community
32:01 - Inside Arena Sports: features, safety, and community
36:21 - How to get involved: tryouts and youth sports
37:12 - Final thoughts: patriotism and opportunity

LINKS
Subscribe for more Behind the Premium: https://www.youtube.com/@BehindThePremium
Connect on LinkedIn: https://www.linkedin.com/company/behind-the-premium
Chris Fogt, Head Coach, USA Bobsled: https://www.linkedin.com/in/christopher-fogt/
Arena Sports (Chris's youth-sports platform): https://arenasports.space/
Bobsled combines and tryouts (GMTM): https://gmtm.com/
Army World Class Athlete Program: https://www.armywcap.com/
USA Bobsled & Skeleton: https://www.usabs.com/
Produced in partnership with Weltrio: https://weltrio.com/

]]>34e52493-cb41-4d98-9acd-cd2001f78ffeThu, 02 Jul 2026 17:24:41 GMT<p>Chris Fogt has coached Team USA down an icy track at 90 miles an hour, where the gap between a medal and fourth place comes down to about three tenths of a second. In this Behind the Premium interview, he sits down with host Kody King to talk about what it takes to build a team that performs when the margin is that thin.<br /><br />Chris is a three-time Olympian, a 2014 silver medalist in the four-man event, and a Lieutenant Colonel in the U.S. Army. He went from high school and college track in Utah to the Olympic podium, and today he is the head coach of USA Bobsled, the team he led at the 2026 Winter Olympics. He came up through the Army's World Class Athlete Program, and he brings that same mix of discipline and drive to how he builds and leads his roster.<br /><br />IN THIS EPISODE<br /><br />- How the Army's World Class Athlete Program turns soldiers into Olympic athletes<br /><br />- Chris's Olympic path: three Games, a 2014 silver medal, and balancing family with active-duty service<br /><br />- Moving from athlete to head coach, and what he learned from mentor Brian Shimer<br /><br />- How the team scouts talent from track, football, and other sports<br /><br />- What separates elite performers: speed, strength, and mental toughness<br /><br />- Why confidence and early access to sports matter so much for kids<br /><br />- The youth-sports platform Chris is building for coaches, athletes, and parents<br /><br />- Training, nutrition, and the small rituals that keep athletes sharp<br /><br />- Staying competitive when weather and conditions work against you<br /><br />CHAPTERS<br />00:00 - Introduction: from military service to Olympic coaching<br />02:47 - Chris Fogt's Olympic career: events and medals<br />04:22 - From athlete to coach: mentorship and leadership<br />06:12 - How Olympic bobsled events are structured<br />08:29 - Training year-round: challenges and adaptations<br />10:16 - Nutrition and diet in high-performance sport<br />11:48 - Post-Olympics recovery: myths and realities<br />12:42 - How college athletes and military personnel join the team<br />13:41 - Recruitment combines and scouting new talent<br />16:32 - The move into coaching: motivation and experience<br />18:09 - Building team culture<br />19:07 - Olympic success stories<br />20:36 - How changing weather affects winter-sports training<br />22:18 - Building Arena Sports, a youth-sports marketplace<br />25:08 - Youth sports: confidence, access, and growth<br />28:41 - Personal work in youth fitness and community<br />32:01 - Inside Arena Sports: features, safety, and community<br />36:21 - How to get involved: tryouts and youth sports<br />37:12 - Final thoughts: patriotism and opportunity<br /><br />LINKS<br />Subscribe for more Behind the Premium: <a rel="noopener noreferrer nofollow" href="https://www.youtube.com/@BehindThePremium" target="_blank">https://www.youtube.com/@BehindThePremium</a><br />Connect on LinkedIn: <a rel="noopener noreferrer nofollow" href="https://www.linkedin.com/company/behind-the-premium" target="_blank">https://www.linkedin.com/company/behind-the-premium</a><br />Chris Fogt, Head Coach, USA Bobsled: <a rel="noopener noreferrer nofollow" href="https://www.linkedin.com/in/christopher-fogt/" target="_blank">https://www.linkedin.com/in/christopher-fogt/</a><br />Arena Sports (Chris's youth-sports platform): <a rel="noopener noreferrer nofollow" href="https://arenasports.space/" target="_blank">https://arenasports.space/</a><br />Bobsled combines and tryouts (GMTM): <a rel="noopener noreferrer nofollow" href="https://gmtm.com/" target="_blank">https://gmtm.com/</a><br />Army World Class Athlete Program: <a rel="noopener noreferrer nofollow" href="https://www.armywcap.com/" target="_blank">https://www.armywcap.com/</a><br />USA Bobsled &amp; Skeleton: <a rel="noopener noreferrer nofollow" href="https://www.usabs.com/" target="_blank">https://www.usabs.com/</a><br />Produced in partnership with Weltrio: <a rel="noopener noreferrer nofollow" href="https://weltrio.com/" target="_blank">https://weltrio.com/</a></p>no00:38:1515Olympic Bobsled Coach Chris Fogt on Winning Under Pressurebonus<![CDATA[The Ethics Advantage: Reducing Healthcare Costs From the Top]]>Paul H Flowers Jr. shares his origin story and career path, highlighting his transition to the health insurance industry and ethical concerns within the insurance industry. He also discusses the focus of Superior Insurance Advisors and their employer-focused approach to health insurance.

The conversation covers topics related to employer-focused health insurance sales, broker compensation, transparency, carrier switching, ethical considerations, self-funded plans, risk management, and employee morale. The speakers discuss challenges, misconceptions, and the importance of transparency and control in health insurance plans. They also address the impact of business leadership on employee morale and the hurdles in embracing change.

Takeaways

  • Ethical concerns in the insurance industry
  • Employer-focused approach to health insurance Transparency and control are crucial in self-funded health insurance plans.
  • Misinformation and bias in the industry can impact decision-making and plan management.

Chapters

  • 00:00 Introduction and Background
  • 11:51 Transition to Health Insurance
  • 20:48 Ethical Concerns in the Insurance Industry
  • 29:02 Focus of Superior Insurance Advisors
  • 34:06 The Merry-Go-Round of Carrier Switching
  • 39:42 Misinformation and Bias in the Industry
  • 45:19 Employer Responsibility in Plan Management
  • 51:08 Accessing Claims Data for Transparency
  • 57:30 Hurdles in Embracing Change
]]>be4e1a9f-2b89-4b60-aca0-a89207a62ffaTue, 30 Jun 2026 13:30:00 GMT<p>Paul H Flowers Jr. shares his origin story and career path, highlighting his transition to the health insurance industry and ethical concerns within the insurance industry. He also discusses the focus of Superior Insurance Advisors and their employer-focused approach to health insurance. <br /><br />The conversation covers topics related to employer-focused health insurance sales, broker compensation, transparency, carrier switching, ethical considerations, self-funded plans, risk management, and employee morale. The speakers discuss challenges, misconceptions, and the importance of transparency and control in health insurance plans. They also address the impact of business leadership on employee morale and the hurdles in embracing change.</p><p></p><p>Takeaways</p><ul><li>Ethical concerns in the insurance industry</li><li>Employer-focused approach to health insurance Transparency and control are crucial in self-funded health insurance plans.</li><li>Misinformation and bias in the industry can impact decision-making and plan management.</li></ul><p></p><p>Chapters</p><ul><li>00:00 Introduction and Background</li><li>11:51 Transition to Health Insurance</li><li>20:48 Ethical Concerns in the Insurance Industry</li><li>29:02 Focus of Superior Insurance Advisors</li><li>34:06 The Merry-Go-Round of Carrier Switching</li><li>39:42 Misinformation and Bias in the Industry</li><li>45:19 Employer Responsibility in Plan Management</li><li>51:08 Accessing Claims Data for Transparency</li><li>57:30 Hurdles in Embracing Change</li></ul>no00:58:4914The Ethics Advantage: Reducing Healthcare Costs From the Topfull<![CDATA[The Profit Lever Every HR Leader Is Overlooking | Benefits 3.0]]>Most HR teams are told to "earn a seat at the table." Almost no one shows them how to prove HR's impact in dollars. This Benefits 3.0 episode does.

Host Kody King sits down with Weltrio CEO Jacob Davis. They break down how HR can turn employee benefits into bottom-line numbers a CFO respects, and finally stop being treated as a cost center.

How do you prove HR's impact?

- A simple way to put a dollar value on HR's impact, using employee tenure, churn, and competency data

- How pre-claim analytics catch costly medications and avoidable procedures before they reach the plan

- Where AI helps HR translate soft work into measurable numbers, and where it still falls short

- Why benefits are HR's strongest lever for recruiting, retention, and cost control

- The specific questions to ask your broker and CFO that surface hidden fees

Two questions worth stealing

- Ask your broker: who is getting paid here, and how much?

- Ask your CFO: what is our top financial goal this quarter, and how can benefits support it?


About Benefits 3.0

Benefits 3.0 is part of the Behind the Premium network, where host Kody King and Weltrio CEO Jacob Davis show employers how to reduce healthcare costs without cutting benefits or narrowing access. Each episode covers plan strategy, claims data, and human resource management.

Who this is for

HR and people leaders, CFOs, brokers, and benefits consultants who want their benefits program to do more than renew each year.

Want a seat at the table? We regularly invite HR leaders, CFOs, brokers, and consultants to join upcoming episodes as panelists. Reach out through our channels and bring your take.

Subscribe and connect

YouTube: https://www.youtube.com/@BehindThePremium

LinkedIn: https://www.linkedin.com/company/behind-the-premium

#HumanResourceManagement #EmployeeBenefits #HRLeadership #BenefitsStrategy #HealthcareCosts #Benefits30 #EmployeeExperience #CFO #SelfFunded #PreClaimAnalytics

DISCLOSURES

Partnership Disclosure: Benefits 3.0 is part of the Behind the Premium network, produced in partnership with Weltrio. This is a promotional collaboration, not a paid sponsorship. Co-host Jacob Davis is the CEO of Weltrio. Disclosed in accordance with FTC guidelines.

Disclaimer: The content shared on this series, part of the Behind the Premium network, is provided for general educational and informational purposes only. Discussions of employee benefits, health plans, insurance, coverage, claims, costs, and related topics are general in nature and are not financial, insurance, tax, legal, or benefits-planning advice, and should not be relied upon for any specific decision. Benefit plans, coverage options, pricing, and applicable regulations vary by individual, employer, and location, and change over time. Engaging with this content does not create a professional, advisory, broker-client, agent, or fiduciary relationship of any kind. Always consult a licensed insurance broker, benefits advisor, attorney, tax professional, or other qualified expert before making decisions about your benefits, coverage, or finances. Statements made by hosts, guests, and panelists — including any who are owners, employees, or representatives of a partner company — are their own. You are solely responsible for any decisions or actions you take based on this content. To the fullest extent permitted by law, the hosts, guests, panelists, and Behind the Premium disclaim any and all liability arising from your use of or reliance on this content.

]]>a377773b-a9d0-49c4-a20a-21171ed2a8b0Sun, 28 Jun 2026 11:45:00 GMT<p>Most HR teams are told to "earn a seat at the table." Almost no one shows them how to prove HR's impact in dollars. This Benefits 3.0 episode does.</p><p>Host Kody King sits down with Weltrio CEO Jacob Davis. They break down how HR can turn employee benefits into bottom-line numbers a CFO respects, and finally stop being treated as a cost center.<br /></p><p>How do you prove HR's impact?</p><p>- A simple way to put a dollar value on HR's impact, using employee tenure, churn, and competency data</p><p>- How pre-claim analytics catch costly medications and avoidable procedures before they reach the plan</p><p>- Where AI helps HR translate soft work into measurable numbers, and where it still falls short</p><p>- Why benefits are HR's strongest lever for recruiting, retention, and cost control</p><p>- The specific questions to ask your broker and CFO that surface hidden fees</p><p>Two questions worth stealing</p><p>- Ask your broker: who is getting paid here, and how much?</p><p>- Ask your CFO: what is our top financial goal this quarter, and how can benefits support it?</p><p><br />About Benefits 3.0</p><p>Benefits 3.0 is part of the Behind the Premium network, where host Kody King and Weltrio CEO Jacob Davis show employers how to reduce healthcare costs without cutting benefits or narrowing access. Each episode covers plan strategy, claims data, and human resource management.</p><p>Who this is for</p><p>HR and people leaders, CFOs, brokers, and benefits consultants who want their benefits program to do more than renew each year.</p><p>Want a seat at the table? We regularly invite HR leaders, CFOs, brokers, and consultants to join upcoming episodes as panelists. Reach out through our channels and bring your take.</p><p>Subscribe and connect</p><p>YouTube: <a rel="noopener noreferrer nofollow" href="https://www.youtube.com/@BehindThePremium" target="_blank">https://www.youtube.com/@BehindThePremium</a></p><p>LinkedIn: <a rel="noopener noreferrer nofollow" href="https://www.linkedin.com/company/behind-the-premium" target="_blank">https://www.linkedin.com/company/behind-the-premium</a></p><p>#HumanResourceManagement #EmployeeBenefits #HRLeadership #BenefitsStrategy #HealthcareCosts #Benefits30 #EmployeeExperience #CFO #SelfFunded #PreClaimAnalytics</p><p>DISCLOSURES</p><p>Partnership Disclosure: Benefits 3.0 is part of the Behind the Premium network, produced in partnership with Weltrio. This is a promotional collaboration, not a paid sponsorship. Co-host Jacob Davis is the CEO of Weltrio. Disclosed in accordance with FTC guidelines.</p><p>Disclaimer: The content shared on this series, part of the Behind the Premium network, is provided for general educational and informational purposes only. Discussions of employee benefits, health plans, insurance, coverage, claims, costs, and related topics are general in nature and are not financial, insurance, tax, legal, or benefits-planning advice, and should not be relied upon for any specific decision. Benefit plans, coverage options, pricing, and applicable regulations vary by individual, employer, and location, and change over time. Engaging with this content does not create a professional, advisory, broker-client, agent, or fiduciary relationship of any kind. Always consult a licensed insurance broker, benefits advisor, attorney, tax professional, or other qualified expert before making decisions about your benefits, coverage, or finances. Statements made by hosts, guests, and panelists — including any who are owners, employees, or representatives of a partner company — are their own. You are solely responsible for any decisions or actions you take based on this content. To the fullest extent permitted by law, the hosts, guests, panelists, and Behind the Premium disclaim any and all liability arising from your use of or reliance on this content.</p>no00:47:5213The Profit Lever Every HR Leader Is Overlooking | Benefits 3.0full<![CDATA[Your Metabolic Health Might Be Broken (Here's What to Ask Your Doctor) | Second Opinion]]>Your labs came back "normal." You still feel tired, foggy, and heavier around the middle. That gap is real, and it's where early metabolic trouble hides for years before a standard checkup catches it.

In this Second Opinion episode, a Behind The Premium production, Rhonda Nerenberg shows you what metabolic health actually is, the red flags your doctor can miss, and the exact tests to ask for. Host Kody King and co-host Rhonda Nerenberg, Founder and Chief Health Innovation Officer at Weltrio, make the case that fat is a symptom, not the cause, that sugar and insulin do most of the damage, and that you can rebuild your metabolism at almost any age without fad diets.

WHAT YOU'LL LEARN:

- What metabolic health is, and how it ties to prediabetes, type 2 diabetes, and heart disease

- Why "normal" labs can still hide insulin resistance

- The red flags that matter: belly fat, energy crashes, blood sugar swings

- Why fat is a symptom, not the root cause

- Why fad diets and "weird foods" usually fail

- The tests to ask for: fasting insulin, ferritin, triglycerides, a full metabolic panel

- How DNA testing and blood-test trends personalize your plan

- The psychology that makes change stick

QUESTIONS THIS EPISODE ANSWERS:

What is metabolic health? It's how well your body turns food, mostly sugar, into energy. Good metabolic health means steady energy and a healthy weight. Poor metabolic health raises your risk of prediabetes, type 2 diabetes, and heart disease.

Can you reverse insulin resistance? Rhonda argues many early cases improve, and often reverse, with real food, movement, sleep, and less stress, especially when caught early. Talk to your provider about your own situation.

What tests should I ask my doctor for? Beyond a basic panel, ask about fasting insulin, ferritin, triglycerides, and a full metabolic panel. Then track the trend, not one snapshot.

Do you need a fad diet? No. Real food, moderation, and consistency beat extremes.

Learn more about Weltrio: https://weltrio.com

#MetabolicHealth #InsulinResistance #BloodSugar #Prediabetes #Type2Diabetes #SecondOpinion #BehindThePremium #Weltrio

Partnership Disclosure: Second Opinion is part of the Behind the Premium network, produced in partnership with Weltrio. This is a promotional collaboration, not a paid sponsorship. Co-host Rhonda Nerenberg is the Founder and Chief Health Innovation Officer of Weltrio. Disclosed in accordance with FTC guidelines.

Medical Disclaimer: The content shared on Second Opinion, part of the Behind the Premium network, is provided for general educational and informational purposes only. All conversations, discussions, topics, stories, personal experiences, opinions, and any products, services, or nutrition information mentioned are general in nature and should not be interpreted as medical advice, health advice, nutritional counseling, diagnosis, treatment, or professional guidance of any kind. Engaging with this content does not create a doctor-patient, provider-patient, or any other professional relationship. The information may not apply to your individual circumstances and may not reflect current medical research. Always seek the advice of a qualified physician or licensed healthcare provider with any questions about a medical condition, symptoms, medications, diet, or treatment, and never disregard, delay, or stop professional medical advice because of something you heard on this show. You are solely responsible for any decisions or actions you take based on this content. To the fullest extent permitted by law, the hosts, guests, panelists, and Behind the Premium disclaim any and all liability arising from your use of or reliance on this content.

]]>8fbeda14-dbdc-45d9-937c-d397f2fab632Sat, 27 Jun 2026 10:08:36 GMT<p>Your labs came back "normal." You still feel tired, foggy, and heavier around the middle. That gap is real, and it's where early metabolic trouble hides for years before a standard checkup catches it.<br /><br />In this Second Opinion episode, a Behind The Premium production, Rhonda Nerenberg shows you what metabolic health actually is, the red flags your doctor can miss, and the exact tests to ask for. Host Kody King and co-host Rhonda Nerenberg, Founder and Chief Health Innovation Officer at Weltrio, make the case that fat is a symptom, not the cause, that sugar and insulin do most of the damage, and that you can rebuild your metabolism at almost any age without fad diets.<br /><br />WHAT YOU'LL LEARN:<br /><br />- What metabolic health is, and how it ties to prediabetes, type 2 diabetes, and heart disease<br /><br />- Why "normal" labs can still hide insulin resistance<br /><br />- The red flags that matter: belly fat, energy crashes, blood sugar swings<br /><br />- Why fat is a symptom, not the root cause<br /><br />- Why fad diets and "weird foods" usually fail<br /><br />- The tests to ask for: fasting insulin, ferritin, triglycerides, a full metabolic panel<br /><br />- How DNA testing and blood-test trends personalize your plan<br /><br />- The psychology that makes change stick<br /><br />QUESTIONS THIS EPISODE ANSWERS:<br /><br />What is metabolic health? It's how well your body turns food, mostly sugar, into energy. Good metabolic health means steady energy and a healthy weight. Poor metabolic health raises your risk of prediabetes, type 2 diabetes, and heart disease.<br /><br />Can you reverse insulin resistance? Rhonda argues many early cases improve, and often reverse, with real food, movement, sleep, and less stress, especially when caught early. Talk to your provider about your own situation.<br /><br />What tests should I ask my doctor for? Beyond a basic panel, ask about fasting insulin, ferritin, triglycerides, and a full metabolic panel. Then track the trend, not one snapshot.<br /><br />Do you need a fad diet? No. Real food, moderation, and consistency beat extremes.<br /><br />Learn more about Weltrio: <a rel="noopener noreferrer nofollow" href="https://weltrio.com" target="_blank">https://weltrio.com</a><br /><br />#MetabolicHealth #InsulinResistance #BloodSugar #Prediabetes #Type2Diabetes #SecondOpinion #BehindThePremium #Weltrio<br /><br />Partnership Disclosure: Second Opinion is part of the Behind the Premium network, produced in partnership with Weltrio. This is a promotional collaboration, not a paid sponsorship. Co-host Rhonda Nerenberg is the Founder and Chief Health Innovation Officer of Weltrio. Disclosed in accordance with FTC guidelines.<br /><br />Medical Disclaimer: The content shared on Second Opinion, part of the Behind the Premium network, is provided for general educational and informational purposes only. All conversations, discussions, topics, stories, personal experiences, opinions, and any products, services, or nutrition information mentioned are general in nature and should not be interpreted as medical advice, health advice, nutritional counseling, diagnosis, treatment, or professional guidance of any kind. Engaging with this content does not create a doctor-patient, provider-patient, or any other professional relationship. The information may not apply to your individual circumstances and may not reflect current medical research. Always seek the advice of a qualified physician or licensed healthcare provider with any questions about a medical condition, symptoms, medications, diet, or treatment, and never disregard, delay, or stop professional medical advice because of something you heard on this show. You are solely responsible for any decisions or actions you take based on this content. To the fullest extent permitted by law, the hosts, guests, panelists, and Behind the Premium disclaim any and all liability arising from your use of or reliance on this content.</p>no00:26:0812Your Metabolic Health Might Be Broken (Here's What to Ask Your Doctor) | Second Opinionfull<![CDATA[Do customized benefit plans reduce absenteeism? ]]>The conversation explores the impact of customized benefit plans on reducing absenteeism in the workplace. Experts discuss the relationship between employee benefits, engagement, and productivity, highlighting the importance of addressing individual concerns and proving cost reduction through tailored benefit programs. The conversation covers the impact of Pokemon Go, customization in healthcare, self-funded vs. fully funded plans, the role of brokers in self-funded plans, and changing benefit plans to impact absenteeism. It also explores the challenges and power of self-funded plans, as well as the role of brokers in this context.

Takeaways

  • Customized benefits address individual concerns
  • Proving cost reduction through tailored benefit programs Customization in healthcare impacts employee behavior
  • Self-funded plans offer greater control and customization
  • Brokers play a significant role in self-funded plans

Chapters

  • 00:00 Introduction to Absenteeism
  • 07:00 Impact of Benefits on Absenteeism
  • 20:01 Proving Cost Reduction
  • 25:14 Customization in Healthcare
  • 31:02 Challenges with Self-Funded Plans
  • 39:08 Changing Benefit Plans to Impact Absenteeism
]]>2da32526-0ed0-48ab-9752-82a9f025a495Thu, 25 Jun 2026 03:44:09 GMT<p>The conversation explores the impact of customized benefit plans on reducing absenteeism in the workplace. Experts discuss the relationship between employee benefits, engagement, and productivity, highlighting the importance of addressing individual concerns and proving cost reduction through tailored benefit programs. The conversation covers the impact of Pokemon Go, customization in healthcare, self-funded vs. fully funded plans, the role of brokers in self-funded plans, and changing benefit plans to impact absenteeism. It also explores the challenges and power of self-funded plans, as well as the role of brokers in this context.</p><p></p><p>Takeaways</p><ul><li>Customized benefits address individual concerns</li><li>Proving cost reduction through tailored benefit programs Customization in healthcare impacts employee behavior</li><li>Self-funded plans offer greater control and customization</li><li>Brokers play a significant role in self-funded plans</li></ul><p></p><p>Chapters</p><ul><li>00:00 Introduction to Absenteeism</li><li>07:00 Impact of Benefits on Absenteeism</li><li>20:01 Proving Cost Reduction</li><li>25:14 Customization in Healthcare</li><li>31:02 Challenges with Self-Funded Plans</li><li>39:08 Changing Benefit Plans to Impact Absenteeism</li></ul>no00:42:1911Do customized benefit plans reduce absenteeism? full