Heads Up Adviser

Lee Lewis explains the "grass is greener" paradox: large employers feel they're too bureaucratic to innovate, while mid-market employers feel they lack the scale. He reveals how a new model is breaking down these barriers, bundling Fortune 100-level solutions and making them accessible to the mid-market for the first time.Tune in to understand:Why the "Show-Up" model is the only effective way to implement Direct Primary Care.How hospitals use infusion therapy as a "streaming revenue" machine and how to stop it.The groundbreaking impact of psychedelic therapies on addiction and mental health costs.How to bring the most powerful health strategies to your clients, regardless of their size.LEARN MOREHealth Transformation Alliance: https://www.linkedin.com/company/health-transformation-alliance/Heads Up Adviser: https://virtuealliance.com/heads-up-adviser/Show Sponsor Virtue Health: https://virtuealliance.com/CONNECT ON LINKEDINLee Lewis: https://www.linkedin.com/in/leewlewis/John W. Sbrocco: https://www.linkedin.com/in/johnwsbrocco/

Justin, a PBM industry insider, pulls back the curtain on the complex games that drive up pharmacy spend. He explains the critical difference between a PBM that claims to be “transparent” and one that is a true fiduciary, contractually bound to act in your best interest. This conversation moves beyond the misleading “spreadsheet game” of chasing rebates to focus on the one metric that actually matters: lowest net cost.Tune in to understand:The key questions you must ask to determine if your PBM is truly aligned with your plan.Why the highest rebate almost never equals the lowest cost.The “product hopping” tactic that’s costing your health plan millions on specialty drugs.How to leverage your own data and focus on PMPM (per member per month) spend to achieve real, measurable savings.LEARN MOREServe You RX: https://serveyourx.com/Heads Up Adviser: https://virtuealliance.com/heads-up-adviser/Show Sponsor Virtue Health: https://virtuealliance.com/CONNECT ON LINKEDINJustin Jasniewski: https://www.linkedin.com/in/justin-jasniewski/John W. Sbrocco: https://www.linkedin.com/in/johnwsbrocco/

In this episode, John Sbrocco, Founder and CEO of Virtue Health, cuts through the industry jargon to give you a clear-eyed view of the current market. He breaks down the key factors driving medical inflation—from post-COVID utilization and provider consolidation to the staggering rise of catastrophic claims.Listen to learn: The real story behind renewal increases and the key inflation drivers you need to explain to employers. Why a million-dollar claim is no longer a large claim and how orthopedic and specialty drug costs are impacting your bottom line. The critical flaw in most public pools and captives that leaves well-managed groups subsidizing the risk of others. Actionable cost-containment strategies that focus on the 4% of members driving nearly 50% of the spend. How a private consortium model creates long-term stability and delivers single-digit renewals in a double-digit market. LEARN MOREHeads Up Adviser: https://virtuealliance.com/heads-up-adviser/Show Sponsor Virtue Health: https://virtuealliance.com/CONNECT ON LINKEDINJohn W. Sbrocco: https://www.linkedin.com/in/johnwsbrocco/This is a must-listen playbook for any advisor looking to navigate tough renewal conversations and deliver sustainable results for their clients.

Natalia Gertsik, a scientific researcher turned commercial leader, shares her personal journey into precision medicine after navigating a friend's brutal brain cancer diagnosis. She explains why traditional care navigation falls short for complex cases and how PHM's unique approach to precision medicine is not just saving lives, but also delivering substantial cost savings for self-funded employers.Tune in to understand:The alarming statistics behind the rise of high-cost claimants.The foundational principles of precision medicine and its transformative impact.Real-world examples of how targeted treatment plans prevent unnecessary costs and improve patient outcomes.Actionable insights for advisors to empower their clients with effective high-cost claim management.LEARN MOREPrivate Health Management: https://privatehealth.com/Heads Up Adviser: https://virtuealliance.com/heads-up-adviser/Show Sponsor Virtue Health: https://virtuealliance.com/CONNECT ON LINKEDINNatalya Gertsik, PhD: https://www.linkedin.com/in/natalyagertsik/John W. Sbrocco: https://www.linkedin.com/in/johnwsbrocco/

A million-dollar book isn’t success anymore—it’s table stakes. In this episode, join business advisers John W. Sbrocco and Craig Lack as they reveal the specific habits and mindsets that drive brokers to multi 7-figure success and give you a practical roadmap to scale beyond your current limitations.What we cover in this episode:Why million-dollar books are like million-dollar houses (not what they used to be)How to invest 8-12% of revenue back into growth (masterminds, coaches, marketing)Why targeting 150-350 life groups beats chasing small accountsThe #1 factor that separates elite producers: getting in front of more peopleDaily prospecting habits that never stop (even between meetings)LEARN MOREHeads Up Adviser: https://virtuealliance.com/heads-up-adviser/Virtue Health: https://virtuealliance.com/CONNECT ON LINKEDINJohn W. Sbrocco: https://www.linkedin.com/in/johnwsbrocco/Craig Lack: https://www.linkedin.com/in/craiglack/

Are you tired of hearing "no" from prospects, even when your solution is a perfect fit? The problem isn't your offer, it's human psychology. In this episode, we break down the core reasons clients resist change and give you a practical framework to overcome objections and finally get them to say "yes."LEARN MORE: Heads Up Adviser: https://virtuealliance.com/most-recent/why-your-prospects-keep-saying-no/Virtue Health: https://virtuealliance.com/CONNECT ON LINKEDIN: John W. Sbrocco: https://www.linkedin.com/in/johnwsbrocco/Craig Lack: https://www.linkedin.com/in/craiglack/

Thank you to our sponsor: Virtue Health.On Today's Episode: Why do you need to play the long game in a world chasing quick wins? It's easier to stay with the same book of business every year than reinventing and betting on yourself to earn more in the long run.Welcome to a new episode where industry experts John W. Sbrocco and Craig Lack reveal how to thrive in the health insurance industry by playing the long game.Key Takeaways: The benefits of delaying instant gratification for your business. Tactics for taking calculated risks and investing in your future. How to build a million-dollar business after major setbacks. How to leave stability for opportunity today.Whether you're dealing with high client demands, market competition, or financial uncertainty, this episode provides the tools to overcome that.Show Sponsor: virtuealliance.com Follow Heads Up Adviser: Facebook group: https://www.facebook.com/groups/headsupadviser Website: https://virtuealliance.com/heads-up-adviser/ Follow John Sbrocco: LinkedIn: https://www.linkedin.com/in/johnwsbrocco/ Follow Craig Lack: LinkedIn: https://www.linkedin.com/in/craiglack/ Website → https://catilizehealth.com/  

In this episode of Heads Up Adviser, John W. Sbrocco and Craig Lack challenge the concept of winning in both business and life.This episode is packed with insights that will make you reflect and redefine your success.Here’s a sneak peek:-How time changes your definition of winning -Why people get wired to believe their past is their future -How brokers can package themselves and win the market -The reason simplicity sells: it avoids overwhelming clients -Why, if you want to win, you need to do what losers won't do  Don't miss this discussion that questions whether you really want to win or need to win.Show Sponsor Virtue Health → https://virtuealliance.comFollow Heads Up Adviser: Youtube → https://www.youtube.com/headsupadviserWebsite → https://virtuealliance.com/heads-up-adviser/Facebook group → https://www.facebook.com/groups/headsupadviserFollow John W. Sbrocco: LinkedIn → https://www.linkedin.com/in/johnwsbrocco/Website → https://virtuealliance.com/Follow Craig Lack: LinkedIn → https://www.linkedin.com/in/craiglack/Website → https://catilizehealth.com/

In this episode of Heads Up Adviser, John W. Sbrocco and Craig Lack uncover why some brokers after 5 years still have the same size book. The main reason? Short term dopamine.We touch on:How dopamine addiction (social media and distractions) impacts your businessSteps you can start taking today to break free from feeling miserableHow a 20% increase in efficiency can double your revenueWhy, when you make more money, you need more “No’s”The cycle of short-term pleasure vs. long-term goalsWhy your environment impacts your successDon’t miss this conversation where we share genuine advice and personal stories that will help you recognize and manage your dopamine triggers.Whether you’re looking to boost your efficiency, increase your revenue, or find more fulfillment in life, this conversation has something for you.Show Sponsor→ https://virtuealliance.com Follow Heads Up Adviser: Facebook group → https://www.facebook.com/groups/headsupadviser Youtube → https://www.youtube.com/headsupadviser Website → https://virtuealliance.com/heads-up-adviser/LinkedIn→ https://www.linkedin.com/company/virtuehealthFollow John W. Sbrocco: LinkedIn → https://www.linkedin.com/in/johnwsbrocco/ Website → https://virtuealliance.com/Follow Craig Lack: LinkedIn → https://www.linkedin.com/in/craiglack/ Website → https://catilizehealth.com/

In this episode of Heads Up Adviser, Craig Lack and John Sbrocco discuss daunting topics of failure and fear in business, sharing their personal experiences and insights.We touch on:- Why failure feels devastating and how to flip the script- How to use failure and fear as a motivator rather than a deterrent- Simple steps to reprogram your brain for success in business and life- How to catch negative thoughts and replace them with productive ones- The difference between micro failure vs. macro failure- Overcoming social anxiety post-COVIDDon’t miss this conversation where we explore fear in business, relationships, and personal challenges, stressing why we need to push through discomfort and be introspective.We also address social anxiety post-COVID and overcoming self-limiting beliefs, offering practical tips for personal and professional growth.Show Sponsor→ https://virtuealliance.comFollow Heads Up Adviser:Facebook group → https://www.facebook.com/groups/headsupadviserYoutube → https://www.youtube.com/headsupadviserWebsite → https://virtuealliance.com/heads-up-adviser/ Follow John W. Sbrocco:LinkedIn → https://www.linkedin.com/in/johnwsbrocco/Website → https://virtuealliance.com/Follow Craig Lack:LinkedIn → https://www.linkedin.com/in/craiglack/Website → https://catilizehealth.com/ 

In this episode of Heads Up Adviser, Craig Lack, and John Sbrocco discuss why passion alone won’t cut it in sales and business. We touch on:- The reality of passion in work and self-employment- Why you don't need to love every aspect of your work- Importance of discipline and habits- Embracing discomfort in self-employment- Finding purpose and excitement in work- Overcoming challenges for success- Shifting your mindset to overcome obstacles- Adopting a "savage" mentality for success in a competitive market Don’t miss this conversation where we explore the reality behind the “passion” myth. Why discipline is the true driver of success, why having a clear purpose is key: whether it's helping others or providing for your family. And why you need to embrace discomfort and adopt a resilient mindset to achieve success in a competitive market. Heads Up Adviser:Facebook group → https://www.facebook.com/groups/headsupadviserYoutube → https://www.youtube.com/headsupadviserWebsite → https://virtuealliance.com/heads-up-adviser/ Follow Craig Lack:LinkedIn → https://www.linkedin.com/in/craiglack/ Follow John W. Sbrocco:Website → https://virtuealliance.com/ LinkedIn → https://www.linkedin.com/in/johnwsbrocco/

🔥 Ready to supercharge your sales? In this episode of Heads Up Advisor, John and Craig are back with explosive tips and tricks to help you nail that crucial first meeting. Discover how Craig closed a 20,000-life group in just 20 minutes and learn how you can apply these game-changing tactics to your own sales strategy. 🚀 💡 Topics Covered: 1. The secrets to making the first meeting count 2. Craig’s unbeatable intelligence-gathering techniques 3. Crafting a pitch that gives you a competitive edge 4. Using storytelling to captivate and convert 5. How to handle objections like a pro 6. Insider tips on industry-specific targeting  Don’t miss out on these insider secrets that can transform your sales approach and skyrocket your success! Hit that subscribe button and join us every Thursday for more killer sales advice. 🎧🔥 virtuealliance.com 🌐 Facebook Group → https://bit.ly/huagroup📺 Youtube → https://www.youtube.com/headsupadviser🎙️ Podcast → https://apple.co/3giotC5 | https://spoti.fi/3VhRfBg 

Thanksgiving is just around the corner, and on this special episode of the Heads Up Adviser Show, John Sbrocco and Craig Lack are serving up something truly meaningful.Join an insightful discussion on how to make gratitude a year-round practice with your clients and prospects.  ____Want more Heads Up Adviser?  🏆 Become an Insider → https://headsupadviser.com 🎙️ Podcast → https://apple.co/3giotC5 | https://spoti.fi/3VhRfBg 💡 Blog → https://bit.ly/headsupadviser📺 Youtube → https://www.youtube.com/headsupadviser🌐 Facebook Group → https://bit.ly/huagroup📖 Broker's Guide → https://virtuealliance.com/28-reasons/🎓 Webinar: Discover How Brokers Are Winning 10+ New Accounts A Year→ https://virtuealliance.com/masterclass/🪩 Work with us - https://virtuealliance.com/demo/

Ready to ignite your motivation, supercharge your energy, and secure those game-winning prospects in Q4 / 2023?John Sbrocco and Craig Lack curated expert insights and motivational tips to empower you to finish the year strong.Picture this – turning the tide, snatching deals out of the jaws of defeat, and wrapping up Q4 like a champ. Yeah, that's the vibe, and this episode is your backstage pass to making it happen.Get ready to absorb real talk and insider tips on how to be the hero who swoops in and closes those deals everyone else thought were impossible. We're talking about strategies that'll have your competitors scratching their heads, wondering how you pulled off that epic turnaround.____Want more Heads Up Adviser?  🏆 Become an Insider → https://headsupadviser.com 🎙️ Podcast → https://apple.co/3giotC5 | https://spoti.fi/3VhRfBg 💡 Blog → https://bit.ly/headsupadviser📺 Youtube → https://www.youtube.com/headsupadviser🌐 Facebook Group → https://bit.ly/huagroup📖 Broker's Guide → https://virtuealliance.com/28-reasons/🎓 Webinar: Discover How Brokers Are Winning 10+ New Accounts A Year→ https://virtuealliance.com/masterclass/🪩 Work with us - https://virtuealliance.com/demo/

👉 Your journey to financial wisdom and entrepreneurial success starts now!Join Eric Nghiem, Tony J. Hughes, Amanda Holmes, and a community of like-minded professionals who are ready to make a real impact in the brokerage business. Reserve your spot today for High Stakes Advising 2023 - The #1 Sales & Marketing Event For Healthcare Brokers. Click the link below to secure your place at this must-attend event.📅 Date: Aug 14-15, 2023 📍 Location: Hard Rock Hotel & Casino, Florida🔥Register NOW for High Stakes Advising 2023🔥 ➡️_______We're excited to present our latest episode of the Heads Up Adviser Podcast, titled "Money Smart" with the one and only Eric Nghiem! 💰🎧A seasoned entrepreneur, who's seen success in multiple industries, Eric brings his deep insight and experience in the tax and financial planning sectors to the table. With a mission to empower entrepreneurs to upscale their businesses, Eric is all about making money work FOR YOU. 💪💼In this captivating episode, Eric will unveil smart strategies to increase your revenue, expand your business, and decode why some brokers, despite making a decent income, still find themselves struggling. 📈🧐Get ready to redefine your relationship with money. Unearth new ways to make your money work harder, so you don't have to.Don't just earn; learn to grow your wealth with Eric's invaluable wisdom and insights! 💡____ Want more Heads Up Adviser?  🏆 Become an Insider → https://headsupadviser.com 🎙️ Podcast → https://apple.co/3giotC5 | https://spoti.fi/3VhRfBg 💡 Blog → https://bit.ly/headsupadviser📺 Youtube → https://www.youtube.com/headsupadviser🌐 Facebook Group → https://bit.ly/huagroup📖 Broker's Guide → https://virtuealliance.com/28-reasons/🎓 Webinar→ https://bit.ly/sfstrategy2023🪩 Work with us - https://virtuealliance.com/demo/

CLICK HERE to download "Broker's Guide To Meeting The CFO" from Virtue Health and Gary Bender >> ______Meet Chad Burdo at the #1 Sales & Marketing Event For Healthcare Brokers - High Stakes Advising 2023🗓️ AUG 14-15 | 2023🔖  Hard Rock Hotel and Casino, Hollywood, FL Tired of the same old "save 15% in 15 minutes" pitch? So are your corporate clients! Luckily, Chad is here to save the day. With years of experience under his belt, he's seen it all and overcome every challenge this industry throws at him. In our conversation, Chad shares his insider tips and strategies for standing out in the health insurance brokerage world and effectively converting those 'been-there-heard-that' prospects. This is an episode that will arm you with the knowledge and tools you need to revolutionize your client approach. Don't miss out on this game-changer episode, available now!We covered: ✔️ Revamp your client approach with effective communication✔️ Chad Burdo's unique approach to bypassing the clichéd 'save 15% in 15 minutes' pitch✔️ The key strategies to overcome ubiquitous challenges in the health insurance brokerage industry____ Want more Heads Up Adviser?  🏆 Become an Insider → https://headsupadviser.com 🎙️ Podcast → https://apple.co/3giotC5 | https://spoti.fi/3VhRfBg 💡 Blog → https://bit.ly/headsupadviser📺 Youtube → https://www.youtube.com/headsupadviser🌐 Facebook Group → https://bit.ly/huagroup📖 Broker's Guide → https://virtuealliance.com/28-reasons/🎓 Webinar→ https://bit.ly/sfstrategy2023🪩 Work with us - https://virtuealliance.com/demo/

CLICK HERE to download "Broker's Guide To Meeting The CFO" from Virtue Health and Gary Bender >> ______Meet Gary Bender at the #1 Sales & Marketing Event For Healthcare Brokers - High Stakes Advising 2023🗓️ AUG 14-15 | 2023🔖  Hard Rock Hotel and Casino, Hollywood, FL Benefits renewal season is not that far away. And this year, it may get complicated. Healthcare brokers that plan to maintain their book of business this year must safeguard their renewal strategy for the September - October meetings. Kickstart this process with John Sbrocco and Craig Lack on this week's episode of the Heads Up Adviser Show: "THE RENEWAL MEETING." Learn how to create a range of scenarios for the employer, provide them with choices, and - more importantly - give them certainty and clarity before the renewal date.  We covered:  ✔️ Re-selling last year's success✔️ Mastering uncomfortable conversations✔️ This year's dealbreakers____ Want more Heads Up Adviser?  🏆 Become an Insider → https://headsupadviser.com 🎙️ Podcast → https://apple.co/3giotC5 | https://spoti.fi/3VhRfBg 💡 Blog → https://bit.ly/headsupadviser📺 Youtube → https://www.youtube.com/headsupadviser🌐 Facebook Group → https://bit.ly/huagroup📖 Broker's Guide → https://virtuealliance.com/28-reasons/🎓 Webinar→ https://bit.ly/sfstrategy2023🪩 Work with us - https://virtuealliance.com/demo/

CLICK HERE to download "Broker's Guide To Meeting The CFO" from Virtue Health and Gary Bender >> ______Meet Gary Bender at the #1 Sales & Marketing Event For Healthcare Brokers - High Stakes Advising 2023🗓️ AUG 14-15 | 2023🔖  Hard Rock Hotel and Casino, Hollywood, FL______Ever wondered what differentiates various types of CFOs? Curious about the ins and outs of their roles? Need tips on how to actually get these financial wizards in a room? 🤔 Look no further!In this eye-opening episode, Gary gives us an insider's view of the CFO's world. But he doesn't stop there. He also shares insights on where brokers often stumble in meetings with CFOs, and how you can avoid these common pitfalls. 🚀Even more, Gary unpacks how understanding a CFO's past and present can make your communication strategy much more effective. Talk about game-changing! 🎯So, if you're a broker looking to up your game, or just a curious listener interested in the world of finance, you don't want to miss this episode! 🎙️Join us in uncovering the CFO's universe. Click on the link to listen NOW! 🔗 Here's what you'll discover: ✔️ What are the different types of CFO’s?✔️ What’s their actual role? How do you get these guys in a room?✔️ What are brokers doing wrong in those meetings?✔️ How can you use their facts and history when you communicate with CFO’s?____ Want more Heads Up Adviser?  🏆 Become an Insider → https://headsupadviser.com 🎙️ Podcast → https://apple.co/3giotC5 | https://spoti.fi/3VhRfBg 💡 Blog → https://bit.ly/headsupadviser📺 Youtube → https://www.youtube.com/headsupadviser🌐 Facebook Group → https://bit.ly/huagroup📖 Broker's Guide → https://virtuealliance.com/28-reasons/🎓 Webinar→ https://bit.ly/sfstrategy2023🪩 Work with us - https://virtuealliance.com/demo/

Click Here To Join The #1 Sales And Marketing Event For Healthcare Brokers - High Stakes Advising 2023 🗓️ AUG 14-15 | 2023🔖  Hard Rock Hotel and Casino, Hollywood, FL___________Click here to download "2023 Milliman Medical Index" >> Click here to download Sunlife Report - "High-Cost Claims And Injectable Drug Trends Analysis." 🎙️ Tune in to our latest podcast episode: "2023 Reports For Your Health Insurance Renewal Meeting"! 📈💰Discover the secrets behind high-cost claims and gain insights into the reasons for health insurance increases for corporate clients. John Sbrocco and Craig Lack dive deep into the world of healthcare costs with our breakdown of the medical index—a valuable measure of changes and trends affecting a hypothetical American family of four. Get the numbers you need to help your prospects make informed decisions and stay ahead of the curve. 💪💡Here's what we cover: ✔️ High-Cost Claims and Injectable Drug Trends Analysis✔️ 2023 Milliman Medical Index✔️ How to use the reports at your self-funding renewal meeting ____ Want more Heads Up Adviser?  🏆 Become an Insider → https://headsupadviser.com 🎙️ Podcast → https://apple.co/3giotC5 | https://spoti.fi/3VhRfBg 💡 Blog → https://bit.ly/headsupadviser📺 Youtube → https://www.youtube.com/headsupadviser🌐 Facebook Group → https://bit.ly/huagroup📖 Broker's Guide → https://virtuealliance.com/28-reasons/🎓 Webinar→ https://bit.ly/sfstrategy2023🪩 Work with us - https://virtuealliance.com/demo/

Click Here To Join The #1 Sales And Marketing Event For Healthcare Brokers - High Stakes Advising 2023 🗓️ AUG 14-15 | 2023🔖  Hard Rock Hotel and Casino, Hollywood, FL_____Download "Broker's Guide To Mastering ChatGPT >> Get prompts for social media campaign and email marketing campaign for brokers._____The Universe speaks in numbers, and Self-Insured Plans are no exception. Kevin O'kane, the creator of Sihra, who's been designing Self-Insured Plans for over 30 years, is confident that behind every great plan, there is a specific formula, while each failed one ignored it at some point. While one class of brokers still considers it rocket science, others follow simple but effective rules, create more protection for their clients through Self-Insured Plans, and double their brokerage income at the same time.[IN THE TRENCHES with Kevin O'Kane: The Numbers Behind A Winning Self-Insured Plan  episode is filled with insights on the Self-Funding industry, as well as honest conversations and valuable opinions.  Here's what we cover: The actual data behind every self-insured plan, and how you can use it to protect your clientsWaiver Premium For Medical - how to play that trump card during your presentationHow to keep your client from the rate increase for 20+ yearsWhy the brokers still want to sell Fully-Insured plans, and how you get a competitive advantageSelf-Insured vs Fully Insured Plans: the bold facts.____ Want more Heads Up Adviser?  🏆 Become an Insider → https://headsupadviser.com 🎙️ Podcast → https://apple.co/3giotC5 | https://spoti.fi/3VhRfBg 💡 Blog → https://bit.ly/headsupadviser📺 Youtube → https://www.youtube.com/headsupadviser🌐 Facebook Group → https://bit.ly/huagroup📖 Broker's Guide → https://virtuealliance.com/28-reasons/🎓 Webinar→ https://bit.ly/sfstrategy2023🪩 Work with us - https://virtuealliance.com/demo/