Healthy Savings, by milu

milu health

Healthy Savings from milu is a podcast focused on all the different ways that employees and employers can save money on their healthcare costs, get access to the best care, and navigate the American healthcare system. We will bring on leading people from throughout the healthcare industry, with a focus on employer sponsored healthcare. We are excited to have you along. You can find us right here on YouTube, or anywhere you listen to podcasts.

  1. Employer Health Plans Reimagined: How DPC Improves Care & Lowers Costs

    07/31/2025

    Employer Health Plans Reimagined: How DPC Improves Care & Lowers Costs

    In this episode, Dr. Danny Seidman, a Direct Primary Care (DPC) physician and founder of DHS Advisors, shares his transition from traditional hospital employment to pioneering a more sustainable, patient-centered model of care. He begins by recounting his early career frustrations with fee-for-service medicine, including cramming patients into 15-minute slots, restrictive contracts, and incentives that prioritized volume over quality. These experiences led him to DPC, where he found the freedom to practice medicine on his terms while building deeper relationships with patients. Dr. Seidman discusses the rapid growth of DPC, particularly among younger physicians. Where once medical residents were unfamiliar with the model, many now enter training with plans to launch their own practices. He highlights the stark contrast between DPC’s 30- to 60-minute appointments and the seven-minute average visit time in traditional settings, emphasizing how DPC reduces burnout while improving outcomes. A significant portion of the conversation focuses on DPC’s role in employer health plans. Dr. Seidman explains how employers can integrate DPC as a standalone benefit, often at a cost comparable to a cell phone bill, typically $70 to $90 per employee per month. He breaks down the logistics, including on-site clinics for urgent needs, community-based practices for continuity, and plan designs that lower deductibles or eliminate prior authorizations. The recent legislative change allowing HSA funds to cover DPC memberships is noted as a major step forward. The discussion shifts to Dr. Seidman’s new venture, DHS Advisors, where he serves as a “fractional Chief Health Plan Officer” for self-funded employers. He outlines a vision for transparent, locally tailored health plans, which includes replacing opaque PBMs with cost-effective alternatives, negotiating direct contracts for surgeries and imaging, and redesigning EAPs to actually meet employees’ mental health needs. His ideal plan dismantles the belief that a “Blue Cross card” equals quality care, instead prioritizing data-driven decisions that align incentives across the system. For physicians, this episode is a roadmap to escaping bureaucratic medicine. For employers, it’s a case study in cutting costs while improving care. And for patients, it’s a reminder that better healthcare—unhurried, accessible, and affordable—is possible.

    32 min
  2. Women's Health in the Workplace

    02/20/2025

    Women's Health in the Workplace

    In this episode of Healthy Savings, we dive deep into the multifaceted world of women's health, moving beyond the conventional focus on reproductive health to explore the broader spectrum of issues that uniquely affect women. I’m your host, Gotham, co-founder of Milu Health, and I'm joined by Gretchen Day and Lindsay Humphries from Alera Group. Together, we unpack the profound impacts that conditions like autoimmune diseases, osteoporosis, and mental health challenges have on women's well-being. We emphasize that women's health encompasses a holistic view that goes beyond clinical health, including critical areas like caregiving responsibilities and financial well-being. Gretchen and Lindsay share their personal journeys into the world of employee benefits and health consulting, illustrating the diverse paths that have led them to this important work. Gretchen comes from a strong public health background, having transitioned from veterinary medicine to focus on population health strategies. Lindsay, with nearly two decades of HR consulting experience, brings a fresh perspective to the intricacies of benefits consulting, driven by her passion for understanding and improving the healthcare system. Together, they highlight the need for tailored health and benefits strategies that align with the unique needs of women in today's workforce. The conversation delves into the historical lack of representation of women in the benefits space, discussing how this has shaped the dialogue around health and wellness in corporate environments. Both Gretchen and Lindsay emphasize the vital role that advocacy for women's health plays within employer benefit strategies, touching on innovative ideas such as mentorship programs and women-focused benefits that resonate with the evolving landscape of workforce demographics. As we transition into the core of the discussion, we explore the significant gaps in knowledge and awareness surrounding women's health issues. There’s a clear acknowledgment that education and empowerment are essential to helping women navigate their healthcare options effectively. A recurring theme is the necessity for open dialogues and the breakdown of stigmas around topics like menopause, autoimmune diseases, and caregiving. By addressing these barriers, we can foster a healthcare environment that supports women's needs throughout their life stages. Our conversation also examines the importance of data in shaping effective health strategies. Both Gretchen and Lindsay remind us that the absence of data can often indicate a gap in care and emphasize the need for employers to harness all available data—both clinical and nonclinical—to better understand and address the unique challenges faced by their employees. Successful case studies illustrate how progressive employers are starting to prioritize innovative benefits to enhance support for women, including offerings for midwifery, IVF services, and menopause care options. Throughout the episode, we keep a keen focus on the future of women's health within the workplace. As generational shifts continue to reshape the workforce, the need for a strategic, inclusive approach to benefits becomes ever more critical. Employers must consider the long-term implications of their health and wellness strategies to stay relevant and supportive of their diverse employee populations. In conclusion, our discussion encapsulates the critical need for continued dialogue and proactive measures in women's health advocacy within the corporate landscape. We leave our listeners with a clear understanding that while progress is being made, there is still significant work to be done—both in terms of awareness and the implementation of comprehensive, empathetic health strategies that meet the diverse needs of women in the workplace.

    33 min
  3. Holistic Employee Benefits, with Celeste Parker

    11/14/2024

    Holistic Employee Benefits, with Celeste Parker

    Celeste Parker, the Benefits and Relocation Director at Costco, shares insights from her 24-year journey with the company, highlighting the evolving landscape of employee benefits. Initially drawn to Costco for its commitment to staff welfare, Celeste transitioned from a temporary job during her studies in HR management to a dedicated position within the company’s HR department, ultimately developing a passion for employee benefits. Over the years, she’s witnessed significant shifts in what employee benefits entail, moving beyond traditional offerings like medical and dental coverage to include a more holistic approach encompassing mental, emotional, and social well-being. Celeste discusses how the perception of employee benefits has transformed over the years. While Costco still prides itself on providing excellent medical and retirement plans, there’s now an essential focus on ensuring employees actively use these benefits. She emphasizes the need to not only provide comprehensive benefits but also effectively communicate their value to employees so they can fully utilize them. This involves understanding the unique needs and preferences of the workforce, where communication strategies are tailored to resonate with diverse employee demographics. Communication is a significant part of Celeste’s role, with about 50% of her team's effort dedicated to this area. She emphasizes the need for constant adaptation in communication strategies to keep them relevant and appealing to employees. By gathering feedback directly from employees and employing team members who have frontline experience, Costco strives to understand the most effective ways to reach its diverse workforce. Celeste also highlights the importance of consistency in messaging and the effectiveness of managers acting as direct points of contact for benefits-related inquiries, contributing to a continued culture of trust and open communication. As for the effectiveness of various communication channels, Celeste contends that engagement rates vary based on the employee demographic, and she advocates for using a multi-channel approach. The leadership team’s role in conveying information about benefits is crucial; direct supervisors can facilitate discussions about available resources, fostering a culture where employees feel comfortable seeking assistance for personal and health-related challenges. Costco’s philosophy promotes a comprehensive open-door policy, enabling employees to escalate issues through the hierarchy if needed. Reflecting on the successful implementation of new programs, Celeste cites an unexpected rise in participation in a gastrointestinal issues program introduced recently, simply due to the critical nature and commonality of the issue. It illustrates the importance of making specific and targeted solutions available to employees. Additionally, she shares that a coaching partnership for chronic conditions, such as hypertension and diabetes, has shown high engagement over the years, validating Costco’s focus on addressing prevalent health concerns. Looking at future trends, Celeste is interested in the potential role of artificial intelligence (AI) in transforming the healthcare landscape. While she acknowledges that some jobs may be replaced through automation, she anticipates that AI can enhance operational efficiencies, especially in areas like claims processing. However, she stresses the need for a human element in healthcare, advocating that the education and proactive engagement of employees concerning their health benefits remain an ongoing challenge, especially as generational workforce dynamics shift.

    31 min
  4. Redefining Employer-Sponsored Healthcare, with Dr. Brian Klepper

    09/05/2024

    Redefining Employer-Sponsored Healthcare, with Dr. Brian Klepper

    This week Sasha delves into the complexities of the healthcare system, particularly focusing on employer-sponsored healthcare. Brian Klepper, highlights the challenges faced by employers in leveraging their collective purchasing power to drive better deals and hold the healthcare industry accountable. He explores the dire state of healthcare economics and the need for collaboration to improve outcomes and lower costs. Brian points out the emergence of high-performing healthcare organizations that offer innovative solutions in various niches, such as chronic disease management and pharmacogenetic testing. He emphasizes the importance of identifying and supporting these organizations to drive significant cost savings and better health outcomes. The discussion also touches on the need for advanced primary care models and the integration of various healthcare solutions to streamline patient care and improve engagement. The conversation covers the obstacles in the current fee-for-service healthcare model, where new technologies and solutions struggle to gain traction without aligning with billing practices. Brian discusses examples of groundbreaking healthcare innovations, such as a blood test for predicting preterm births and a circulating DNA test for colorectal cancer screening. He emphasizes the importance of data-driven decision-making and vetting high-performing companies to drive positive results in healthcare. The interview concludes with insights on the challenges ahead in reforming the healthcare system, particularly in the face of dominant healthcare conglomerates and evolving market dynamics. Brian and the host discuss the need for employers to adopt innovative solutions and work collaboratively to drive change in the industry. The interview provides a detailed and nuanced exploration of the current healthcare landscape and the potential paths forward to improve quality, reduce costs, and enhance patient outcomes.

    37 min
  5. The Employer's Viewpoint, with Stephanie Koch SCP-SHRM

    08/08/2024

    The Employer's Viewpoint, with Stephanie Koch SCP-SHRM

    Stephanie Koch, the director of HR at Hendry Marine, shares her 25-year journey in HR and how she transitioned into becoming an expert in healthcare benefits. Starting as an executive assistant, she discovered her passion for HR and the impact she could make in company culture. Stephanie delves into the shift to self-funded healthcare plans and the introduction of reference-based pricing, which initially was met with skepticism but proved to be a game-changer in reducing costs and providing better benefits for employees. She highlights the importance of continuous education and communication with employees to ensure understanding and engagement with the new healthcare plans. Stephanie emphasizes the need for companies to be strategic in managing their healthcare costs and view it as an opportunity to contribute to the bottom line rather than just a routine expense. She shares the success story of implementing a walk-in clinic at Hendry Marine, which led to early detection of health issues and improved employee wellness. Stephanie stresses the significance of utilizing data to identify gaps in preventative care and make informed decisions. She discusses the collaborative effort between brokers, advisors, and the Imagine360 team in analyzing data and devising strategies for improving healthcare outcomes. Stephanie encourages other employers to be open-minded and proactive in exploring innovative healthcare solutions to not only control costs but also enhance employee well-being and company profitability.

    38 min

Ratings & Reviews

About

Healthy Savings from milu is a podcast focused on all the different ways that employees and employers can save money on their healthcare costs, get access to the best care, and navigate the American healthcare system. We will bring on leading people from throughout the healthcare industry, with a focus on employer sponsored healthcare. We are excited to have you along. You can find us right here on YouTube, or anywhere you listen to podcasts.