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BenefitHackers

BenefitHackers

By John Millen, BenefitHacker

A BenefitHacker is a NEW BREED OF ADVISOR. SMARTER, FASTER, and driven by results.
BenefitHackers wage war against THE STATUS QUO…And win.
BenefitHackers ARE CARRIER-NEUTRAL and are never shackled to insurance carriers.
A BenefitHacker puts CLIENTS before commissions.
If you ask others in their industry, they’ll tell you that what Benefit Hackers are doing is impossible…yet it’s happening DAILY.

BenefitHackers…
- Design creative strategies
- Implement efficiently
- Communicate clearly
- TRANSFORM companies
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Currently playing episode

How To Engage Employees Post COVID-10 with Lisa Ryan

BenefitHackersFeb 16, 2021

00:00
29:05
$13,384 RAISE for John

$13,384 RAISE for John

This is such a heartwarming story for me to tell. Just listen to this while you’re doing something else.
Mar 16, 202420:36
HOW TO: Give Your Employees a Raise 💸💸💸

HOW TO: Give Your Employees a Raise 💸💸💸

Without … it costing 🫵 you any money! Just take 10 minutes. Just hit play. Just sit back and listen.
Feb 22, 202412:42
⁉️ BEST Asset Class: No One Knows About 😩

⁉️ BEST Asset Class: No One Knows About 😩

14 years ago I learned about an asset class that I could store, protect and grow my wealth and income. Up until that point I was totally misinformed about this particular strategy.
Jan 30, 202420:45
Part 5 - Bank On Yourself: For Business Owners

Part 5 - Bank On Yourself: For Business Owners

Do you own a business? Do you want to start a business? Listen to this episode on how you can use your own banking policy to maximize access to capital to grow your business.
Jan 14, 202406:44
Part 4 - Bank On Yourself: Retirement Planning

Part 4 - Bank On Yourself: Retirement Planning

How to use a properly design banking policy to fund your future retirement needs. This is incredible. Listen to this.
Jan 14, 202411:33
Part 3 - Bank On Yourself - College Tuition Planning

Part 3 - Bank On Yourself - College Tuition Planning

Having your own bank allows you extreme flexibility and peace of mind to plan for college or advanced degree expenses for your children or grandchildren
Jan 14, 202409:22
Part 2: Bank On Yourself

Part 2: Bank On Yourself

This session, John digs a bit deeper into the key aspects of what to look for when designing or evaluating a banking policy
Jan 13, 202419:02
Part 1: Bank On Yourself

Part 1: Bank On Yourself

Part one of two episodes. This episode John talks about on a high-level. What exactly is Bank on yours yourself. It’s also called infinite, banking or privatize banking.
Jan 13, 202414:52
6 Ways to Pay for Group Health Insurance

6 Ways to Pay for Group Health Insurance

John explains the six different ways you can pay for healthcare benefits.
Dec 28, 202314:35
High cost claimants. One Percent

High cost claimants. One Percent

Only one percent of the members in a typical group health insurance plan contribute 30% of the overall claims usage.
Dec 14, 202311:33
Specialty drugs

Specialty drugs

Specialty drugs may count for a large percentage of your span, but may only be generated from a few number of members on your health plan.
Dec 14, 202307:25
Prescription drugs

Prescription drugs

In a typical group health plan, prescription drugs make up 30 to 50% of the overall spend. Listen to this episode to learn how to manage it better.
Dec 14, 202309:25
Wholesale versus retail

Wholesale versus retail

One of the most important factors, when talking about healthcare insurance is the network you access. Whether it’s Anthem or United healthcare. This will teach you how to access those networks on a wholesale pricing basis versus paying full retail.
Dec 14, 202312:33
Never Accept FREE advice

Never Accept FREE advice

Free proposals? Yes. Free quotes? Yes. Free strategic advice? Absolutely not. Listen to this episode to learn why.
Dec 10, 202325:34
Liberating trapped Capital for auto dealership groups

Liberating trapped Capital for auto dealership groups

How to liberate, trapped capital in your operating expense, line item, and apply rate to earnings. Effectively increasing the business valuation of your company.
Dec 06, 202353:10
Complaint -- OR -- Objection?

Complaint -- OR -- Objection?

This is one of the best communication tips I think I have ever learned about. If you are in Sales, this will really help you. However, this applies to pretty much any type of communication even with your kids. John explains how to recognize the difference between a complaint or an objection when talking to people.
Nov 30, 202317:52
When In Doubt Say YES 👍

When In Doubt Say YES 👍

In this episode, John shares a lesson that he learned years ago that has really helped him in his life. Both personally spiritually and professionally. When your gut instinct, intuition, or spiritual feeling, has you on the fence whether to say yes, or no to a situation, John, suggest you say yes. Listen to this episode as he gives several examples of how this might improve your life. Enjoy.
Nov 25, 202343:39
Stay To The End

Stay To The End

This is one of the biggest tips I can give someone whenever you are embarking on learning something new, improving your skills, becoming a better person, enhancing your education, etc. John shares two experiences, one with Grant Cardone in the other with Oren Klaff.
Nov 20, 202319:38
2 Card System

2 Card System

Eliminate the deductible for your employees. Without changing your carrier or plan design.
Oct 02, 202308:54
Football. Coaching. Leadership.

Football. Coaching. Leadership.

When considering making a change to an employee benefits consultant, I’d like to use the following analogy of what is happening with Dion Sanders at the University of Colorado football team
Sep 22, 202315:20
PART 1️⃣ Administration.

PART 1️⃣ Administration.

The administration component of a group health plan is the most important, but least understood. Listen to this episode is John explains what you need to know in under 12 minutes.
Sep 07, 202313:13
What is collaboration?

What is collaboration?

Collaboration. Teamwork. Partnerships. In this episode, John talks about how he collaborates with partners and subject matter experts related to the game of football. Enjoy.
Aug 22, 202311:29
1️⃣3️⃣3️⃣2️⃣ Waivers Unlock $50 BILLION

1️⃣3️⃣3️⃣2️⃣ Waivers Unlock $50 BILLION

If you currently offer group health benefits of any type, this episode is for you. This unlocks the key to understanding the fastest growing benefit option today, the individual Ccoverage, HRA.
Jul 28, 202317:03
⛔️ Land Mine: Ancillary Benefits

⛔️ Land Mine: Ancillary Benefits

What do we do with the dental vision, disability and life benefits on our benefit menu? How do we manage this integration with our medical options. Listen to John as he explains this landmine in more detail and how to overcome it.
Jul 23, 202305:53
⛔️ Land Mine: Tech Platforms

⛔️ Land Mine: Tech Platforms

A big part of your decision about whether to incorporate the individual Ccoverage HRA option is which technology platform is best suited for you. As of today there are probably around eight different options in that number will probably grow. Listen to John as he explains how to maneuver this decision making process.
Jul 23, 202308:08
⛔️ LandMine: Employee Education

⛔️ LandMine: Employee Education

If you are considering an individual coverage option for your organization or employees it’s imperative that you don’t step in this land mine. Listen to John as he explains how to manage the employee education process and expectations.
Jul 23, 202312:22
⛔️ LandMine: Payroll Integration w ICHRA

⛔️ LandMine: Payroll Integration w ICHRA

One of the pitfalls or land mines you might encounter when considering an individual coverage HRA is how do you connect the enrollment platform to another platform like your payroll provider. Or HRIS system. Listen to the short episode as John explains more.
Jul 23, 202312:02
⛔️ Landmine : New Hires!

⛔️ Landmine : New Hires!

If you are researching or considering an individual coverage, HRA (ICHRA) option for your company or employees please listen to this. This tripwire could cause some serious havoc if you’re not aware of it, and discussing this before you pull the trigger.
Jul 21, 202313:19
🧮 MATH Hack: Percentage 🆚 Dollars

🧮 MATH Hack: Percentage 🆚 Dollars

This one will blow your mind. We can be deceived mentally by only thinking percentages instead of dollar amounts. Listen to John, as he explains how to be careful and not be fooled, mentally, with comparing these two figures.
Jul 18, 202315:03
HR Tip: How to Save 40+ Hours of Time Every Year!

HR Tip: How to Save 40+ Hours of Time Every Year!

The annual benefits renewal process is brutal. Let’s face it. It takes a ton of time from many players in your organization. Which net work to choose? Which formulary to use? What should the co-pays be? Should we add an HSA plan? Should we change carriers? Should we do level funded? On and on and on. ** it’s time to evaluate a little known option. That could be a game changer for you and your team. Listen as John explains what this is.
Jul 16, 202308:45
😩 Health Plan Insight > NON Embedded Deductibles !!

😩 Health Plan Insight > NON Embedded Deductibles !!

This is required training for anyone that makes decisions on a group health plan for employees. Please listen to this. This one little trick that the insurance companies use can burn you and your employees big time. Trust me, I know because I was burned.
Jul 06, 202313:32
🍖Carnivore Diet vs Health Insurance #ichra

🍖Carnivore Diet vs Health Insurance #ichra

If you have heard of the carnivore diet, this is a new eating plan that is somewhat restrictive on the types of foods you can consume. In this episode, John explains his experience with eating this diet out in the marketplace and how it relates to your group health insurance options. #ichra
Jul 05, 202310:59
Part 3 - Why is an ICHRA a Super Valuable Option

Part 3 - Why is an ICHRA a Super Valuable Option

Part three. John explains why this is so important to understand. This is where the magic happens on this episode. This is where all the dots in your brain will be connected and you’ll see this true strategic advantage for your organization. This goes well past the cost of insurance or how the system works. Please please listen to this episode.
Jul 03, 202319:23
Part 2 - How does an ICHRA work?

Part 2 - How does an ICHRA work?

In part two of the series, John explains how this individual coverage option works. He uses analogy of a swimming pool in your backyard versus a lake down the street. Listen to the short explanation that will bring you up to speed very quickly.
Jul 03, 202307:39
Part 1 - What is an ICHRA

Part 1 - What is an ICHRA

Listen to this episode to start with to understand what an individual coverage health reimbursement arrangement is, and how it operates for your business or organization.
Jul 03, 202306:43
⚠️WARNING: ICHRA Plan + Group Plan (pls listen now)

⚠️WARNING: ICHRA Plan + Group Plan (pls listen now)

If you are considering combining these two types of health plan strategies, please listen to this episode. In less than eight minutes John Millen explains what you need to be aware of before pulling the trigger.
Jul 01, 202308:22
Podcast Trailer

Podcast Trailer

Cool
Jul 01, 202300:43
Super ICHRA

Super ICHRA

Step one. Learn what an ICHRA is. Step two. Discover how to supercharge it with a super icHRA.
Jun 29, 202316:14
📣1099 Contracted EEs > Learn About an ICHRA

📣1099 Contracted EEs > Learn About an ICHRA

Are you a contracted employee? Do you have contracted employees? Would you like to learn about a little secret that allows you to offer an amazing employee benefits package to those class of workers. The individual coverage health reimbursement arrangement became law on January 1, 2020. This allowed employers to reimburse for the cost of individual coverage for contracted employees as well as W-2 employees. Listen to this podcast from John as he explains how those entities with contracted employees can benefit from this new option.
Jun 23, 202314:49
icHRA Training (For BROKERS Only!)

icHRA Training (For BROKERS Only!)

✔️This episode is not intended for end-users. ✔️It is intended for licensed health insurance agents, brokers, and agencies. ✔️Going out on a limb — John Millen discusses in this podcast how you can partner with him on what he believes is one of the biggest shifts in commercial insurance in the past 20 years.
Jun 21, 202338:34
icHRA Training (101) 👊🔥

icHRA Training (101) 👊🔥

Take some time now to understand the individual coverage health reimbursement arrangement program for employer groups. This is game changing technology.
Jun 20, 202320:33
How does GoodRx work and how do they make money?

How does GoodRx work and how do they make money?

Good RX is a discount pharmacy card that has been used for over a decade. In this episode, John Millen explores how the program works and how they make money using this card. Once you hear that, you will never be able to unhear hear it.
May 17, 202312:51
HR Professional- This should be keeping you up at night 😳

HR Professional- This should be keeping you up at night 😳

HR Insight
May 03, 202309:34
CEOs - This should be keeping you up at night 😳

CEOs - This should be keeping you up at night 😳

Ceo insight
May 03, 202307:40
CFOs - This should be keeping you up at night 😳

CFOs - This should be keeping you up at night 😳

Aren’t you tired of salespeople asking you? What keeps you up at night? I’m going to reverse that and tell you what should be keeping you up at night. Listen to this short audio clip as John Millen III explains what he sees after talking to numerous financial professionals every week for the past two years.
May 03, 202308:59
Status Quo - Pain to Stay VS Pain of Change

Status Quo - Pain to Stay VS Pain of Change

Status Quo - Pain to Stay VS Pain of Change
Apr 27, 202312:07
JIF 🥜 Butter vs Health Insurance

JIF 🥜 Butter vs Health Insurance

JIF 🥜 Butter vs Health Insurance
Apr 13, 202316:17
The Administrator! The 🔑 to it ALL.

The Administrator! The 🔑 to it ALL.

The Administrator! The 🔑 to it ALL.
Apr 11, 202339:01
It’s not your fault

It’s not your fault

It’s not your fault. What do I mean? Most executives find themselves in a financial position with their insurance plans that is not their fault. Listen to the short overview about how you can fix that.
Mar 28, 202307:37
How to contain high cost prescription drugs

How to contain high cost prescription drugs

How to contain the high cost prescription drug impact on your organization.
Mar 22, 202313:27