Broken Benefits

In this second installment of our two-part conversation, Rich Krutsch returns to Broken Benefits to expand on the evolving relationship between employee health, organizational strategy, and the growing shift toward more hands-on approaches to managing benefits.Building on the foundation of Part 1, this episode explores how leaders can think more holistically about the connection between their workforce, their data, and the long-term direction of their benefits programs. Rich discusses how organizations can move toward models that offer greater clarity, more control, and deeper alignment with their people.Whether you’re a CHRO, benefits leader, or HR professional navigating the rapidly changing world of workforce well-being, this episode offers valuable perspective on where the industry is headed — and how employers can position themselves for what comes next.Chapters:0:00 - Introduction0:44 - Why should someone consider self-administration6:53 - Focus on the specific problem you're trying to solve16:50 - Areas of major friction and blindspots25:10 - The moments that matter in an employee life cycle31:15 - Follow the language of your business32:35 - Closing remarks

In this episode of Broken Benefits, we’re joined by Rich Krutsch, former VP of People Services at ArcBest, for the first of a two-part conversation that explores how data-driven decision-making can transform the way organizations approach healthcare and benefits.Rich shares his insights on leveraging analytics to build smarter, more strategic benefits programs—ones that actually move the needle for employees and the bottom line. From uncovering hidden trends to identifying cost-saving opportunities, this discussion is a masterclass in using robust data to create meaningful impact.If you’re a CHRO, benefits leader, or HR professional who’s ready to make your strategy work harder (and smarter), this episode is a must-listen.Chapters:0:00 - Introduction1:31 - Rich's background in finance8:04 - Playing to win and transitioning into this new approach14:13 - Breaking the mold and removing friction simultaneously22:35 - Encouraging forward-thinking for your employees26:20 - Eye-opening research linked to flossing27:20 - Closing remarks

In this powerful episode of Broken Benefits, we sit down with healthcare thought leader Matt Harmon to explore the real potential for innovation and transformation within the American healthcare system—starting with the people who hold the power to do it: CHROs and benefits leaders.Drawing from his extensive experience, Matt unpacks the systemic hurdles that keep companies stuck in broken benefits models and offers a blueprint for taking bold, actionable steps toward meaningful reform. If you’re in HR, healthcare, or benefits administration, this episode is a must-listen.Change won’t happen overnight—but as Matt says, “If you never start, you’ll never finish.”Chapters:0:00 - Introduction3:27 - Why all benefit leaders aren't following the same course7:23 - Navigating new strategies without creating problems13:52 - Integrating different offerings with enrollment tools20:10 - Change isn't going to happen overnight27:55 - Measuring the health plan's results35:00 - The biggest 'ah ha' moments for Matt40:24 - Getting carriers to do things they don't want to do44:53 - Connect with Matt on LinkedIn45:28 - Closing remarks

In this compelling episode of Broken Benefits, we sit down with Bill Allen, the former CHRO of Macy’s Inc., to explore the intricate and often flawed systems underpinning the management of healthcare in America. With decades of executive HR experience, Bill brings a unique perspective on the intersection of corporate leadership, employee well-being, and the skyrocketing costs of care.We delve into the systemic misalignments that drive inefficiency and inequity, the pressures facing large employers trying to provide meaningful benefits, and the changes needed to reshape the future of American healthcare. It’s a candid, thoughtful conversation filled with insight, experience, and urgency.If you care about the people behind the policies—or you’re responsible for shaping them—this is an episode you won’t want to miss.Chapters:0:00 - Introduction1:42 - International experience influencing ideals13:40 - An important time of change19:58 - Leveraging data in a new way33:30 -Advice for other organizations41:25 - Realigning incentives to create great performance49:13 - How to connect with Bill Allen50:36 - Closing remarks

In this episode of Broken Benefits, host Lee Lewis is joined by Rich Floersch—former CHRO of McDonald’s, seasoned executive coach, and trusted advisor to HR leaders across the globe. Together, they dig deep into a game-changing idea: what if healthcare, so often seen as a sunk cost or painful necessity, could actually become a strategic weapon for your business?From translating benefit decisions into boardroom language to elevating HR’s seat at the table, Rich shares how benefits leaders can stop playing defense and start driving transformation. This isn't just theory—it's a masterclass in executive influence and real-world impact, from someone who’s advised at the highest levels.Whether you're a benefits manager trying to get heard, or a CEO looking for ROI beyond spreadsheets, this conversation will shift your perspective—and possibly your priorities.Chapters:0:00 - Introduction1:40 - Differences of opinion on healthcare8:48 - Problems and opportunities within healthcare19:24 - Making a difference in healthcare29:14 - Conflicts of interest among Executives40:56 - Healthcare benefits and turnover45:09 - Closing remarks

In this episode of Broken Benefits, we sit down with Ryan Olmstead, Director of Member Services at Catalyst for Payment Reform, to discuss how employers can take a more active role in transforming healthcare benefits. Ryan shares insights on strategies that help employers drive down costs while improving health outcomes for employees. We explore innovative payment models, best practices for benefits design, and actionable steps employers can take to ensure they’re getting value for their healthcare spend. Tune in to learn how employers can be catalysts for real change in the healthcare system.Chapters:0:00 - Introduction3:51 - Taking bold action8:31 - Major obstacles impeding action19:36 - Purchaser data barriers31:02 - How vendors can reduce operational lift43:36 - The future of Catalyst's progress50:58 - How to reach Ryan's team

In the latest episode of Broken Benefits, we’re joined by Deborah Caplan, former CHRO and EVP of Corporate Benefits at NextEra Energy, to discuss how data-driven insights are revolutionizing the world of employee benefits.Deborah shares her expertise on leveraging analytics to pinpoint the issues that truly matter to employees and businesses alike. From identifying hidden trends to making strategic decisions that enhance employee well-being, this conversation uncovers the power of data to create impactful benefits programs.If you’re looking to break through the noise and design benefits that align with your workforce’s real needs, this episode is packed with actionable takeaways and industry-leading perspectives.Chapters:0:00 - Introduction2:10 - From Engineer to CHRO8:35 - Breaking problems down16:28 - Fixing healthcare from a high-level24:03 - Leverage diversified backgrounds35:50 - Incentive structures43:30 - The secret to making adjustments53:29 - Deb's horizonConnect with Lee Lewis:LinkedIn

In this episode of Broken Benefits, host Lee Lewis welcomes Kevin Cox, the founder of HTA and former Chief Human Resources Officer (CHRO) of General Electric (GE). Kevin brings his vast experience from leading HR at one of the world’s largest companies to share his insights on the future of corporate benefits and human resources.Together, Lee and Kevin discuss the broken aspects of traditional benefits systems and what it takes to revolutionize HR strategies for a new era. They explore how companies can create more value-driven, employee-centric benefits programs that improve both retention and productivity.Key Takeaways:Lessons from Kevin’s time at GE and how they shaped his views on HRThe future of benefits: How to break away from outdated systemsInnovative strategies to create more impactful, employee-centric benefitsThe role of leadership in driving HR transformation and positive changeTune in for a forward-thinking conversation with Kevin Cox as he shares his journey and vision for transforming HR and corporate benefits.Chapters:0:00 - Kevin's Statement0:40 - Introducing Kevin Cox to the show2:49 - The Role of CHRO's in Healthcare6:29 - Addressing the Misalignment of Interests in Healthcare9:48 - The Birth of Health Transformation Alliance12:22 - The Challenges of Creating a Coalition15:45 - Advocating for Better Employee Healthcare Experiences20:28 - The Importance of Collaboration in Driving Change25:04 - The HTA: Custodians of Member Companies' Money30:40 - Engaging CHROs: Making the Most of Limited Time33:45 - Setbacks: Dealing with Free Riders49:28 - Paying for Value and Outcomes51:20 - Succession Planning and Advice for CHROs53:40 - Closing RemarksConnect with Lee Lewis:LinkedIn

In the latest episode of Broken Benefits, we are honored to welcome Barbara Wachsman, one of the luminaries of the industry who ran benefits at Disney. Responsible for hundreds of thousands of employees and a budget stretching well into billions of healthcare dollars. While there, Barbara formed one of the largest direct contracts with a major hospital system in America.Beyond her professional work in HR and benefits, Barbara has also worked in hospital systems, private equity, in consulting, and more.Join us as we delve into Barbara's fascinating story, exploring her challenges, triumphs, and the invaluable insights she's gained along the way.Chapters:0:00 - Cold open0:40 - Introducing Barbara Wachsman to the show2:05 - The Excitement and Challenge of Disney3:20 - A Message from Catalyze Health 4:00 - Provider vs. Employer Side9:30 - Pulling Accurate Data and Healthier Work Forces12:40 - The Acquisition Era15:15 - Hospital Systems and Commercial 20:10 - Risk Based Primary Care Model29:40 - Advice on Direct Contracting33:40 - A Message from Catalyze Health 34:15 - What Benefits Managers Should Do NOW40:00 - Leverage Points To Press To Get What You Want45:00 - Metrics To Be Aware Of49:00 - A Right of Responsibility and HDPs52:35 - What to Do About Changes in Primary Care57:00 - How to get in touch with Barbara to Learn More57:40 - Closing RemarksConnect with Lee Lewis:LinkedIn

In the latest episode of Broken Benefits, we are honored to welcome Shelly Carlin, the impactful Executive Vice President of the HR Policy Association and the Center On Executive Compensation. Beyond her advisory work, Shelly was the Senior Vice President of HR and Communications at Motorola.Beyond her professional work in HR and benefits, Shelly is an advocate for UCLA Softball and currently works as the managing editor for D1Softball.Join us as we delve into Shelly's fascinating story, exploring her challenges, triumphs, and the invaluable insights she's gained along the way.Chapters:0:00 - Cold open0:40 - Introducing Shelly Carlin to the show2:45 - The Common CHRO Myth3:10 - A Message from Catalyze Health 3:50 - How Much CHRO's Focus on Healthcare8:50 - Health Transformation Alliance and Collective Action13:00 - How to Leverage Care 16:45 - Signs of Complexity and Areas for Improvement20:10 - How CHRO's Can Make a High-Level Difference29:00 - Getting Educated34:06 - A Message from Catalyze Health 36:00 - Signaling What's Important Top Down41:00 - Risk Shifting and The Negative Impact on Labor45:00 - Lean In On Well Being48:40 - Shelly's Hope for The Future of CHROs51:50 - How to get in touch with Shelly to learn more52:30 - Closing remarksConnect with Lee Lewis:LinkedIn

In the latest episode of Broken Benefits, we are honored to welcome Sheila Savageau, the dynamic head of Benefits and Compensation at General MotorsFebruary 2022, Sheila Savageau received a package on her doorstep for the 2022 Helen Darling Award, one of the most prestigious awards in health care, recently awarded to our company and health care team. But for Sheila, our company’s global health and well-being leader, it was much more than an accolade. “When I opened that box and looked at the award, I saw my daughter’s reflection,” she said. “And when I think about our journey as a family, I can’t help but to be emotional.” Five years ago, Sheila’s healthy 15-year-old daughter became chronically affected with seizures and was diagnosed with epilepsy. That life-changing moment made Sheila’s work in health care even more personal. “I am deeply passionate about people and all aspects of their well-being,” Savageau continued. “And that passion is lit by the fire of my daughter’s health care journey. I refer to it as ‘Jenna’s Journey.’” While advocating for her daughter’s health care, Sheila found her purpose. She was inspired to think about how she would do things differently. On many days, Sheila would sit in doctors’ offices or hospitals, pen and paper in hand, journaling about her experience and what she would change to deliver a health care option that could better support patients and their family members — their care advocates. Nearly seven years later, in partnership with GM’s Global Business Solution People Services, legal, finance and purchasing groups, our health care benefits team introduced ConnectedCare, a health care option that offers value-based medical care through a connected network of local providers who work together to deliver high-quality care, at the right time and place. Join us as we delve into Sheila's fascinating story, exploring her challenges, triumphs, and the invaluable insights she's gained along the way.Chapters:0:00 - Cold open0:40 - Introducing Sheila Savageau to the show1:36 - Sheila's Story from Her Perspective5:06 - Partnerships and How To Navigate Them15:20 - Patient Choice of Healthcare22:43 - Providers and Employers30:00 - The Importance of Trust33:32 - Data to Spot Areas of Concern38:44 - Where Changes Will Come From43:29 - Ways to Build Trust 48:10 - Product Side Enrollment 52:12 - How to get in touch with Sheila to learn more52:37 - Closing remarksConnect with Lee Lewis:LinkedIn

In the latest episode of Broken Benefits, we are honored to welcome Elena Bueno-Gonzalez, the dynamic Vice President of Energy Marketing & Trading at Florida Power & Light. Elena's incredible journey from Venezuela to becoming a leading figure in the U.S. energy industry is nothing short of inspiring.Arriving in the United States at the age of 21 and learning English as her second language, Elena's dedication and talent led her to excel in Mathematics. Her expertise and determination propelled her into the world of commodities trading, where she now oversees critical operations for one of the largest energy companies in the nation.But Elena's accomplishments don't stop there. In a surprising career twist, she took on the challenge of managing Health and Welfare Benefits, achieving remarkable results in a short period. Her unique perspective and innovative approach brought significant improvements, showcasing her versatile leadership skills.Join us as we delve into Elena's fascinating story, exploring her challenges, triumphs, and the invaluable insights she's gained along the way.Chapters:0:00 - Cold open0:40 - Introducing Elena Bueno-Gonzalez to the show1:56 - The big transition in her career and moving into Health and Welfare Benefits5:06 - The first challenges Elena wanted to tackle in her new role11:10 - Convincing other leaders she was the right person for the job15:43 - Leveraging her relationship with the TPA to empower her people19:32 - Negotiating with the networks26:52 - Advice to someone in similar shoes32:54 - Designing a plan that made it easy for people to find quality care38:19 - Identifying the risks associated with your strategic decisions42:55 - Embracing the awkward nature of going back to the incumbent option48:06 - How to get in touch with Elena to learn more48:50 - Closing remarksConnect with Lee Lewis:LinkedIn

In this episode of Broken Benefits, we delve into the intricate world of health care solutions with a seasoned expert, Barbara Flitsch. With years of experience at the helm of a Fortune 500 health plan, Barbara brings invaluable insights into the challenges and opportunities within the industry.Join us as we explore Barbara's journey, from her early days in the field to her current role at the helm of innovation. From navigating regulatory hurdles to addressing the evolving needs of consumers, Barbara shares firsthand accounts of the complexities inherent in managing a large-scale health plan.Through candid discussions and real-world examples, Barbara sheds light on the strategies and tactics she employs to stay ahead in an ever-changing landscape. Whether it's implementing new technologies or fostering collaboration across departments, her approach offers a blueprint for success in an industry ripe for transformation.Chapters:0:00 - Cold open0:40 - Introduction and overview on the topic of the day1:32 - Barbara's background in Health Care and the impact employers have on American Health Care4:25 - What health plans should be doing 8:25 - Pushing new innovations through despite pushback16:42 - Tactics to improve communications and feedback 20:30 - Which key questions are more important than others?27:40 - How to solve issues without a big staff or budget34:35 - Some of the biggest risks in Barbara's career40:01 - Health Care can be a game of inches46:05 - Exciting endeavors Barbara is focusing on right now48:28 - How to connect with Barbara online and learn more49:10 - Closing remarksConnect with Lee Lewis:LinkedIn

In this illuminating episode of Broken Benefits, we delve deep into the dynamic world of healthcare innovation with a true trailblazer, Pat Pitsch. As a distinguished Medical Benefits Expert, Pat brings a wealth of experience and insight to the table, offering a captivating narrative of her journey through the labyrinth of the healthcare industry.Join us as we explore the challenges and triumphs that have defined Pat's career, and how she has fearlessly tackled obstacles to drive innovation in her field. From navigating complex regulations to revolutionizing traditional practices, Pat's story is a testament to the power of perseverance and innovation in the face of adversity.Throughout our conversation, Pat shares invaluable lessons learned and strategies for thriving in an ever-evolving landscape. We explore the importance of embracing scrutiny as a catalyst for growth, and how it can fuel innovation by challenging the status quo. Drawing from her own experiences, Pat offers practical insights on harnessing feedback and criticism to drive meaningful change and propel the healthcare industry forward.Chapters:0:00 - Cold open1:05 - Welcoming Pat Pitsch to the show2:48 - Working as part of a Berkshire Hathaway company4:24 - Getting multiple employers to come together in a unified sense10:36 - How benefits leaders can get more involved and make a difference in their organization13:52 - What can be done to rally employers together20:48 - Paying too much in rebates throughout the year30:54 - How to educate a massive employee base who doesn't want to be educated34:51 - What years four and five look like after implementing changes41:13 - When diagnosis and surgeries don't align44:27 - A story of Pat fixing a big issue during her career47:18 - How to get in touch with Pat to learn more48:00 - Closing remarksConnect with Lee Lewis:LinkedIn

On the latest episode of Broken Benefits, we're thrilled to welcome a true expert at her craft. Candace Jodice, Former CVS Health Executive, brings over 20 years experience managing a health plan of over 300,000 people and expenditures in excess of $4 billion annually. We dive into the intricacies of managing benefits inside of a PBM, as well as the importance behind leveraging the data to generate the highest level of value for those inside a health plan. Enjoy!Chapters:0:00 - Cold open1:48 - Welcoming Candace Jodice to the show4:49 - How contracts are structured when you're essentially negotiating with yourself8:28 - How do you become an educated consumer of medical care13:19 - Being able to see new products and programs coming about before others21:28 - Dealing with a situation when 'everyone is an expert'27:42 - How Candace measured if her benefits were being appreciated or enjoyed32:17 - The importance of flexibility within your health plan40:11 - The market optimization strategy that Candace leveraged44:50 - Analyzing your data and drawing important details 48:19 - Advice to a new benefits leader to make a quick impact52:20 - How to connect with Candace online53:00 - Closing remarksConnect with Lee Lewis:LinkedIn

On the latest installment of Broken Benefits, we're joined by an esteemed guest, Jason Parrott. With a wealth of experience as a Former Benefits Executive at both Boeing and AT&T, Jason provides unique perspectives and valuable insights into the complex world of healthcare management.Tune in as Jason delves into the challenges and triumphs of overseeing billions in healthcare spending, sharing stories from his dynamic career in two of the largest corporations in the world. From navigating the intricacies of employee benefits to implementing innovative solutions, Jason offers a behind-the-scenes look at the decisions that shape the well-being of thousands of individuals.Enjoy!Chapters:0:00 - Introduction and welcoming Jason to the show2:06 - The highlights and rewarding moments from Jason's career4:18 - Developing strategies around medical spend for each year6:43 - A culture of productivity and curbing spend8:25 - How Jason got started and learned how to play 'the numbers game' effectively13:50 - Focusing on costs instead of quality17:31 - How employers can work with today's system to demand higher quality for employees22:28 - Designing a brand-new health plan, so people didn't hate it27:09 - Examining the successes from other Fortune 50 companies32:06 - Advice for smaller employers 39:41 - The three things you need to have in your medical RFP47:20 - The bottomline to improve the cost vs quality issue50:15 - Closing remarksConnect with Lee Lewis:LinkedIn

In this thought-provoking episode of Broken Benefits, we take a journey into the world of corporate healthcare innovation with a true trailblazer, Erik Sossa, the former Vice President of Global Benefits and Wellness at PepsiCo, Inc. Join us as we explore the remarkable initiatives he spearheaded during his tenure that defied the status quo and redefined what is possible in the realm of employee wellness and healthcare.Erik Sossa's impressive career at PepsiCo was marked by a relentless pursuit of groundbreaking solutions for the company's healthcare and benefits programs. With a reputation for pushing boundaries and challenging conventions, he led the charge to create a healthier, more engaged, and productive workforce.Get your notepad ready because this episode is packed with helpful takeaways for your own benefits team!Timecodes:0:04 - "I never followed protocols"0:30 - Background information on Erik Sossa1:20 - Welcoming Erik Sossa to the show2:02 - Testing new concepts in healthcare3:53 - The big ideas Erik was able to test during his time at PepsiCo13:01 - Creating an ROI preemptively within your RFP17:23 - Stepping into the unknown as a benefits manager25:12 - How to handle change or disruption on a large scale32:21 - Consumerism became an easy way out for employers37:00 - The biggest wins of Erik's career43:21 - Carriers continue to trip over themselves trying to figure out Erik's solution49:50 - How to get in touch with Erik to learn more and connect51:00 - Closing remarksConnect with Lee Lewis:LinkedIn

Advanced healthcare benefits strategies didn't just happen overnight. They were created, enhanced, and innovated over time thanks to the efforts of some key individuals. One of those people, is Sally Welborn. On the latest episode of Broken Benefits, we're thrilled to welcome Sally Welborn, the Former Senior Vice President of Global Benefits for Walmart Stores, Inc., and hear numerous stories that provide benefits leaders with insight into developing strategic benefits strategies at the highest of levels!Sally is an institution in American healthcare, in running the benefits strategy for America's largest retailer for nearly a decade! This episode is packed with nuggets of insight and stories from Sally's decorated career in benefits. Enjoy!Timecodes:0:15 - Introduction and overview on the guest of today's show1:39 - How Sally approaches healthcare problems different than most4:25 - If Sally could steer the whole industry in one direction...7:02 - How to know which benefits strategy to use? 13:40 - Sally's process for identifying trends in healthcare20:50 - The biggest opportunities that Sally is excited about these days24:46 - Is an innovation really an innovation if it's impossibly unaffordable? 31:40 - How to run small tests as a large employer36:32 - How Sally would sell new programs internally40:20 - Getting leaders to be comfortable with "taking risk"43:50 - How to connect with Sally 44:40 - Closing remarksConnect with Lee Lewis:LinkedIn

Dr. Bob Galvin looks at healthcare through a unique lens. After graduating medical school, he later became the Executive Director of Services and Chief Medical Officer for General Electric. Later, in 2010, he transitioned over to Blackstone and became the CEO of Equity Healthcare for Blackstone. As a physician, Bob was able to provide a special perspective into the healthcare and medical solutions that were presented to self-funded employers. Bob's medical expertise, alongside his countless years of experience in healthcare benefits, provides our audience with a wide range of stories and key takeaways to help reinforce your company's benefits strategy. Enjoy!Timecodes:0:03 - Self-funded employers are handling their own risk0:33 - Who is Dr. Bob Galvin?1:30 - Bob's big realization in the healthcare industry4:00 - Self-funded employers are essentially their own insurance company8:09 - How many stakeholders are misaligned against employers15:36 - Fixing misaligned incentives22:07 - What we should be adding to our healthcare plan management28:07 - The variation in physician and hospital performance is staggering32:38 - Apply business principles from one side of your organization to the other side36:09 - Internal support from your leadership team41:07 - A story from Bob's career 47:35 - At the end of the day, healthcare is personal50:40 - How to connect with Dr. Bob Galvin51:09 - Closing remarksConnect with Lee Lewis:LinkedIn

It's not easy to pave the way for innovation among large employers, but Marilyn Bartlett was always up for the challenge!On the latest episode of Broken Benefits, we're joined by Marilyn Bartlett who has quite the decorated resume... to say the least. Marilyn held financial management positions in various industries, narrowing her focus to health care financial management and serving as controller for a Blue Cross Blue Shield carrier, chief financial officer for a regional third-party administrator, Montana State Employee Health Plan administrator, and special projects coordinator for the Montana Commissioner of Securities and Insurance. When she took the helm of the Montana Employee Benefit Plan, she led efforts to move the plan from projected reserves of minus $9 million to positive $112 million in less than three years. For her accomplishments, she was selected as #13 of Fortune Magazine’s World’s 50 Greatest Leaders of 2019.In today's episode, we're unpacking some of the key takeaways from her career and advice for those looking to further innovate healthcare. Timecodes:0:33 - Introduction and overview on the guest for today's show1:24 - Marilyn's groundbreaking idea while working for Montana7:32 - Additional business practices that are lacking within healthcare10:17 - The mistakes that people are commonly making in healthcare14:56 - The biggest risk that we might be sitting on without knowing18:36 - You need to be taking a hard look at your data23:34 - Employers are going to be held more accountable moving forward29:24 - Reference based pricing models33:01 - Marilyn not being able to do direct contracts with hospitals37:49 - Leverage your data in making strategic decisions 42:30 - Analyzing a transparent pass-through45:35 - How to get in touch with Marilyn46:40 - Closing remarksConnect with Lee Lewis:LinkedIn