#036 Power To The Patients - Why You Need To See Prices explains why Hip Hop artists Fat Joe, Rick  Ross, Busta Rhymes, Method Man, French Montana and Chuck D are spot on in the public service announcement demanding price transparency in health care. Watch the PSA here ..read more

#034 Is Your HSA Ready For Next Year explains the steps you need to take now to be prepared for January 1st so that your HSA has you 100% covered for the entire year ..read more

#035 - Why You Need To Tell Your CEO You Want Fountain Health explains why you need to speak up so that you and your family can be healthy and well with the proactive and preventative benefits from Fountain Health compared to what you only have now ..read more

#033 - If you don't know about Fountain Health, you are missing out on the most revolutionary idea to hit health insurance since 1965 and the advent of Medicare.   Scott W. Dowling explains how Fountain Health is better than your traditional plan - saving lives while saving money.  Learn what makes Fountain Health different and how it helps your company, your employees and their loved ones ..read more

#032 - So How's Your HSA Look In The Middle Of The Year helps you to determine if you are short of dollars needed to cover an accident or sickness right now and the rest of the year, how you can fix that now and whether or not you need a new strategy for 2023. Scott W. Dowling explains the calculation needed to figure out if you are short of HSA funds in the middle of the year.  You may need to contribute to your HSA out of your own pocket now, he explains. And, if your employer is contributing based on the number of payroll periods during the year, you may wish to rethink your strategy ..read more

#003 - Know why you get insurance through your employer and how it saves you money overall.  Learn a brief lesson as to how employer-based insurance got its start and build your foundation of understanding all of the advantages available to you from your health insurance  that would not be available if you were left all on your own. Plus........get a helpful tip on how to make the most of your deductible. https://doxcost.com Thanks for listening.  if you need help, give me a shout!  I am here to help! https://scottwdowling.com/contact ..read more

#031 - HSA - How To Start Your New Year illustrates what you need to do at the start of 2022 to be 100% covered and have peace of mind no matter what health insurance claims you may incur during the year ..read more

#006 - It's the Thanksgiving Show, but it's after Thanksgiving.  Parents and Grandparents will definitely learn some good stuff!  Scott W. Dowling discusses some of the things that came up in discussion with recent college graduates who have new employee benefits with their new employer.  Since it is the end of 2020, Scott tells you how you can earn an easy (and healthy) return on your savings just by contributing to your Health Savings Account before the end of the year. You can have more than one Health Savings Account. You do not need to use the one provided by your employ ..read more

#017 - Healthcare.gov review is a cursory look at the current exchange portal.   The site provides access to insurance plan options for the 50 states and District of Columbia.  Links can be found for both the federal website and individual state exchanges. Go to Healthcare.gov here This Healthcare.gov review still keeps in mind that the goal is to get 100% covered and spend the least amount possible on your health insurance.  This is best done utilizing a High Deductible Health Plan (HDHP) along with a Health Savings Account (HSA).  It makes sense to review our episode on ..read more

#013 - Learn why the amounts paid to doctors, hospitals, pharma and other providers are the single biggest factors in the cost of your health insurance. Understand how underwriters and actuaries use historical paid claims to forecast future claims, establish reserves and keep pace with inflation.  These amounts are then utilized to create the health insurance rates that you pay. Paid claims are the amounts paid, on behalf of members of the employer group or individual pool, to doctors, hospitals, pharma and other providers.  IBNR (aka Incurred But Not Reported) is a reserve amount ..read more