For the average American, a $5,000 out-of-pocket medical expense can be a financial catastrophe, pushing many to forgo necessary healthcare. Patients who face the difficult decision of receiving medical treatment at home instead of in a hospital underscores a grim reality: the high out-of-pocket costs and deductibles causes patients to delay or skip doctor visits due to affordability issues.

Listen as Risky Benefits guest Lester Morales, of Next Impact Advisory and Marketing Firm, offers a comprehensive critique of our current healthcare system while also providing a hopeful glimpse into potential reforms. From questioning the systemic design flaws to showcasing successful models like Rosen Health, an initiative that challenges the status quo and aims for a healthcare system that truly serves everyone, Morales shares how the Rosen Health model has saved over half a billion dollars in the past 30 years using an independent TPA and direct contracts with healthcare providers. Rosen Health's innovative approach serves as proof that cost transparency and direct patient care can lead to significant savings, better employee retention, community impact, and educational initiatives.

MORE ABOUT OUR GUEST:
Lester J. Morales
Founder and Chief Executive Officer
NextImpactllc.com

As a passionate thought leader, keynote speaker and advisor in the human capital and employee benefits space, I’m always looking for game-changing solutions that foster innovation and shatter the status quo. As the title of my company suggests, that search centers around finding the next impactful strategy that will help employer clients burnish their value proposition and grow. In the world of social media, we dub that never-ending journey #whatsnext. Our latest approach involves transparent health benefits, whose comprehensive plan design builds transparency into the cost of healthcare delivery and access.

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