#44: Bring Genuine Excitement
Release Date: 02/21/2025
#72: ICHRA Pros and Cons
Happy Health Plans: How to Offer High-Quality, Affordable Healthcare for Employees and their Families
Understanding ICHRAs: Pros and Cons for Employers and Employees In this episode of the Happy Health Plans Podcast, host Justin Thomas, a National Board Certified Health Coach, dives into the topic of Individual Coverage Health Reimbursement Arrangements (ICHRAs). He discusses the pros and cons of ICHRAs from both employer and employee perspectives. Employers can benefit from budget flexibility and tax advantages, but may face administrative burdens. Employees enjoy control and portability of their health plans, but may encounter confusion and financial risks. Tune in for a...
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#71: RxDC Compliance Explained
Happy Health Plans: How to Offer High-Quality, Affordable Healthcare for Employees and their Families
Welcome to the Happy Health Plans Podcast with Justin Thomas, a National Board Certified Health Coach, where we explore strategies for providing high-quality, affordable health benefits. In this episode, Justin highlights the importance of RxDC compliance, a mandatory annual submission that offers transparency on spending for prescription drugs, healthcare services, and related costs. We discuss the steps businesses need to take to comply with this regulation, particularly focusing on small groups and self-insured plans. Stay informed and ensure your compliance by tuning in and connecting us...
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#70: PEO Considerations
Happy Health Plans: How to Offer High-Quality, Affordable Healthcare for Employees and their Families
Should You Use a PEO for Employee Health Benefits? Pros, Cons, and Case Studies Welcome to the Happy Health Plans Podcast with Justin Thomas, an employee benefits consultant and National Board Certified Health Coach. In this episode, Justin explores whether small businesses should use Professional Employer Organizations (PEOs) to manage their employee health benefits. By sharing personal experiences and case studies, Justin outlines the pros and cons of PEOs, their financial implications, and how they compare to traditional health insurance markets. Gain insights on making...
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#69: Generous Consultants
Happy Health Plans: How to Offer High-Quality, Affordable Healthcare for Employees and their Families
In this episode of the Happy Health Plans Podcast, Justin Thomas, an employee benefits consultant and National Board Certified Health Coach, delves into the concept of 'Friday Feels,' exploring the positive emotions associated with connecting with peers in the employee benefits industry. He highlights conversations with Chelsea Ryckis of and Justin Leader from , focusing on their commitment to transparency, compliance, and fiduciary oversight. Justin emphasizes the importance of industry connections, mutual learning, and the generosity of sharing knowledge to elevate service quality. Tune in...
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#68: Thank You Canada!
Happy Health Plans: How to Offer High-Quality, Affordable Healthcare for Employees and their Families
In this episode of the Happy Health Plans Podcast, host Justin Thomas discusses the implementation of a personal importation program to help employees save on medication costs by importing from Canada. He shares the success story of a client who saved $33,000 and the employees who saved $200 each. Justin highlights the win-win situation this program creates for both employees and companies and encourages other organizations to consider similar strategies. Let's do the same for your business. Contact us at to get started.
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#67: Communication with Employees
Happy Health Plans: How to Offer High-Quality, Affordable Healthcare for Employees and their Families
In this episode of the Happy Health Plans Podcast, Justin Thomas, an employee benefits consultant and National Board Certified Health Coach, delves into the significance of effective communication in employee health benefits, especially for employees who speak English as a second language. Justin shares valuable insights on working with interpreters to ensure all employees feel seen, heard, and cared for. Discover practical tips and inspirational stories that will help you create a happier, healthier workplace. Don't miss out on this vital conversation! Learn more and connect with us at ...
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#66: Do You Know All Your Benefits?
Happy Health Plans: How to Offer High-Quality, Affordable Healthcare for Employees and their Families
Optimizing Employee Benefits: Strategies and Insights In this episode of the Happy Health Plans Podcast, Justin Thomas delves into the underutilized aspects of employee health benefits. He breaks down the importance of understanding and maximizing current offerings before seeking new solutions. The discussion includes real-life examples, such as a deep dive into Blue Cross and Blue Shield's small group benefits for a nonprofit, and practical advice on engaging in wellness programs to unlock hidden benefits. The episode aims to empower businesses and employees to make the most of...
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#65: Health Insurance 101
Happy Health Plans: How to Offer High-Quality, Affordable Healthcare for Employees and their Families
The Happy Health Plans Podcast is your go-to resource for reimagining employee healthcare. Today's episode educates you on health insurance 101 to help you and your employees know how the system works to be wiser consumers. Hosted by Justin Thomas, an experienced employee benefits consultant and National Board Certified Health Coach, each episode delves into strategies to provide businesses with high-quality, affordable health benefits. Tune in to explore fundamental health insurance terminology, essential tips for navigating the U.S. healthcare system, and practical advice to maximize...
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#64: High Cost Feelings
Happy Health Plans: How to Offer High-Quality, Affordable Healthcare for Employees and their Families
Handling High-Cost Claims in Employee Health Plans - Friday Feels In this episode of the Happy Health Plans Podcast, host Justin Thomas delves into the complexities and emotional weight of managing high-cost claims within employee health plans. Justin discusses the challenges and strategies involved, from utilizing stop-loss insurance to addressing the human side of healthcare needs. Tune in for insights on creating robust health plans that balance cost management with compassionate care. Connect with Justin at
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#63: Summary Plan Document 101
Happy Health Plans: How to Offer High-Quality, Affordable Healthcare for Employees and their Families
Mastering Employee Health Plans: The Crucial Role of Summary Plan Documents In this episode of the Happy Health Plans Podcast, host Justin Thomas, an employee benefits consultant and National Board Certified Health Coach, discusses the essential role of the Summary Plan Document (SPD) in employee health plans. Learn why the SPD is foundational for both compliance and clarity on benefits for both plan sponsors and members. Justin shares insights on ensuring the SPD accurately reflects plan benefits, the importance of regular reviews, and involving various partners. Join Justin for...
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