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  <title>Real Doctor Speaks</title>

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  <itunes:author>Jim O&#39;Leary</itunes:author>
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  <description><![CDATA[<p>This is where we tell the truth about American healthcare.<br><br></p><p>I created this show because something is clearly broken.<br><br></p><p>We spend trillions of dollars every year.<br><br>&nbsp;We pay the highest prices in the world.</p><p><br>&nbsp;And patients are still confused, frustrated, and overcharged.<br><br></p><p>That’s not an accident.<br><br></p><p>On this podcast, I break down how the system really works — who controls the money, who sets the prices, and why costs keep rising no matter who is in office.</p><p><br>We talk about:</p><ul><li>Prescription drug pricing</li><li>Pharmacy benefit managers</li><li>Insurance incentives</li><li>Hospital consolidation</li><li>Middlemen and hidden markups</li><li>Real policy solutions that could lower costs<br><br></li></ul><p>I bring in pharmacists, policy experts, physicians, and people on the front lines. We connect the dots between what Washington says… and what patients actually experience.<br><br></p><p>This isn’t about politics.<br><br></p><p>It’s about power.<br><br></p><p>Who has it.<br><br>&nbsp;Who profits.<br><br>&nbsp;And how we put it back where it belongs — with patients and doctors.</p><p>If you want clear explanations without the spin…<br><br>&nbsp;If you’re tired of paying more every year…<br><br>&nbsp;If you believe healthcare should be transparent and affordable…</p><p>You’re in the right place.<br><br></p><p>Subscribe now.<br><br></p><p>Because once you understand how the system really works, you’ll never look at healthcare the same way again.</p>]]></description>
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    <itunes:title>Why 80% Of Doctors Vanished From Private Practice (And Who Designed It That Way)</itunes:title>
    <title>Why 80% Of Doctors Vanished From Private Practice (And Who Designed It That Way)</title>
    <itunes:summary><![CDATA[When I graduated medical school, 80% of physicians were in private practice. Today it's 20%. That isn't a coincidence. It isn't a market correction. It was designed. In this conversation, I sit down with a physician who lived through the same breaking system most of us have given up complaining about… and instead of leaving medicine quietly, she built something that's giving doctors back what the system stripped away. We talk about why physicians can't organize, why the AMA isn't going to sav...]]></itunes:summary>
    <description><![CDATA[<p>When I graduated medical school, 80% of physicians were in private practice. Today it&apos;s 20%. That isn&apos;t a coincidence. It isn&apos;t a market correction. It was designed.</p><p>In this conversation, I sit down with a physician who lived through the same breaking system most of us have given up complaining about… and instead of leaving medicine quietly, she built something that&apos;s giving doctors back what the system stripped away. We talk about why physicians can&apos;t organize, why the AMA isn&apos;t going to save us, why your website matters more than your social media account, and the one shift in mindset that decides whether you stay a puppet or become the voice your patients actually need.</p><p>If you&apos;re a physician feeling battered, frustrated, or invisible — this one is for you. And if you&apos;re a patient who&apos;s wondered why your doctor seems checked out, you&apos;ll finally understand what&apos;s really happening behind the curtain.</p><p>In this episode, you&apos;ll learn:</p><ul><li>Why the most powerful frustration every doctor feels has nothing to do with paperwork — and what it&apos;s actually pointing to</li><li>The reason physicians keep losing fights they should be winning, even when they&apos;re the experts in the room</li><li>The one digital mistake almost every doctor is making right now that will cost them everything if they don&apos;t fix it</li></ul><p>Connect with Dr. Dana Correl:</p><ul><li><a href='http://linkedin.com/in/drcorriel'>linkedin.com/in/drcorriel</a></li><li>X: @DrCorriel on <a href='http://x.com/'>X.com</a></li><li>Website: <a href='https://somedocs.com/'>https://somedocs.com/</a></li><li>Blog: <a href='https://drcorriel.com/'>https://drcorriel.com/</a></li></ul><p>Chapters:</p><p>00:00 – Cold Open 00:07 – From 80% To 20%: The Numbers Nobody Talks About 02:04 – Meet The Guest 03:01 – What Actually Drives Doctors Out 08:33 – The Real Mission Behind The Platform 10:59 – Building Something That Didn&apos;t Exist Yet 14:53 – Finding Your Voice Online 21:33 – Why Doctors Can&apos;t Organize 24:36 – Policy, Not Politics: A Story From The Capitol 29:42 – The Truth About The AMA 33:16 – A Modeling Agency For Brains 42:46 – The Conferences Are Broken 45:16 – The AI Trap Coming For Medicine 49:31 – The Hardest Part Of Building Anything Real 53:12 – Why Your Website Is Your Prime Digital Real Estate 01:01:19 – The Humanity We&apos;re Losing 01:04:46 – Get On The Platform</p><p><b>Tags &amp; Keywords:</b> private practice physicians, physician autonomy, doctors leaving medicine, healthcare system broken, why doctors are frustrated, physician burnout, doctors on social media, physician advocacy, healthcare reform, insurance company denials, PBM reform, hospital monopoly healthcare, AMA criticism, doctors building platforms, physician voice online, healthcare misinformation, AI in medicine, doctor directory, physician networking, own your digital real estate</p>]]></description>
    <content:encoded><![CDATA[<p>When I graduated medical school, 80% of physicians were in private practice. Today it&apos;s 20%. That isn&apos;t a coincidence. It isn&apos;t a market correction. It was designed.</p><p>In this conversation, I sit down with a physician who lived through the same breaking system most of us have given up complaining about… and instead of leaving medicine quietly, she built something that&apos;s giving doctors back what the system stripped away. We talk about why physicians can&apos;t organize, why the AMA isn&apos;t going to save us, why your website matters more than your social media account, and the one shift in mindset that decides whether you stay a puppet or become the voice your patients actually need.</p><p>If you&apos;re a physician feeling battered, frustrated, or invisible — this one is for you. And if you&apos;re a patient who&apos;s wondered why your doctor seems checked out, you&apos;ll finally understand what&apos;s really happening behind the curtain.</p><p>In this episode, you&apos;ll learn:</p><ul><li>Why the most powerful frustration every doctor feels has nothing to do with paperwork — and what it&apos;s actually pointing to</li><li>The reason physicians keep losing fights they should be winning, even when they&apos;re the experts in the room</li><li>The one digital mistake almost every doctor is making right now that will cost them everything if they don&apos;t fix it</li></ul><p>Connect with Dr. Dana Correl:</p><ul><li><a href='http://linkedin.com/in/drcorriel'>linkedin.com/in/drcorriel</a></li><li>X: @DrCorriel on <a href='http://x.com/'>X.com</a></li><li>Website: <a href='https://somedocs.com/'>https://somedocs.com/</a></li><li>Blog: <a href='https://drcorriel.com/'>https://drcorriel.com/</a></li></ul><p>Chapters:</p><p>00:00 – Cold Open 00:07 – From 80% To 20%: The Numbers Nobody Talks About 02:04 – Meet The Guest 03:01 – What Actually Drives Doctors Out 08:33 – The Real Mission Behind The Platform 10:59 – Building Something That Didn&apos;t Exist Yet 14:53 – Finding Your Voice Online 21:33 – Why Doctors Can&apos;t Organize 24:36 – Policy, Not Politics: A Story From The Capitol 29:42 – The Truth About The AMA 33:16 – A Modeling Agency For Brains 42:46 – The Conferences Are Broken 45:16 – The AI Trap Coming For Medicine 49:31 – The Hardest Part Of Building Anything Real 53:12 – Why Your Website Is Your Prime Digital Real Estate 01:01:19 – The Humanity We&apos;re Losing 01:04:46 – Get On The Platform</p><p><b>Tags &amp; Keywords:</b> private practice physicians, physician autonomy, doctors leaving medicine, healthcare system broken, why doctors are frustrated, physician burnout, doctors on social media, physician advocacy, healthcare reform, insurance company denials, PBM reform, hospital monopoly healthcare, AMA criticism, doctors building platforms, physician voice online, healthcare misinformation, AI in medicine, doctor directory, physician networking, own your digital real estate</p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 25 May 2026 05:00:00 -0400</pubDate>
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    <itunes:duration>4372</itunes:duration>
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    <itunes:episode>15</itunes:episode>
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    <itunes:title>Why Millions Of Americans Are Quietly Walking Away From Their Insurance </itunes:title>
    <title>Why Millions Of Americans Are Quietly Walking Away From Their Insurance </title>
    <itunes:summary><![CDATA[When I graduated medical school, the system wasn't perfect, but it worked. Today? One in five claims get denied. Deductibles have hit $7,500. Eighty-four million claims were turned down on the exchange last year alone. And families are paying more than ever for less and less care. In this conversation, I sit down with someone who has spent decades inside the policy world and now spends his days helping families and small business owners walk away from traditional insurance entirely… and into ...]]></itunes:summary>
    <description><![CDATA[<p>When I graduated medical school, the system wasn&apos;t perfect, but it worked. Today? One in five claims get denied. Deductibles have hit $7,500. Eighty-four million claims were turned down on the exchange last year alone. And families are paying more than ever for less and less care.</p><p>In this conversation, I sit down with someone who has spent decades inside the policy world and now spends his days helping families and small business owners walk away from traditional insurance entirely… and into something millions of Americans are quietly switching to. We talk about why your insurance card might be the most expensive piece of plastic in your wallet, why cash patients are getting better care than insured patients, and the one mindset shift that decides whether you stay trapped or take back control of your healthcare.</p><p>If you&apos;ve ever stared at a hospital bill and felt sick, this episode is for you.</p><p>In this episode, you&apos;ll learn:</p><ul><li>The hidden reason your insurance plan keeps getting more expensive while delivering less — and what&apos;s quietly replacing it</li><li>Why the cheapest care in America is rarely where you&apos;d expect to find it, and what most patients never think to ask</li><li>The single sentence you can say at any doctor or hospital that can save you thousands of dollars on the spot</li></ul><p>Connect with Charles:</p><p>Email: <a href='mailto:frohman.charles@gmail.com'>frohman.charles@gmail.com</a></p><p>LinkedIn: <a href='http://linkedin.com/in/charles-d-frohman-0034141'>Linkedin.com/in/charles-d-frohman-0034141</a></p><p>Chapters:</p><p>00:07 – Why Obamacare Is Failing Millions 01:27 – Meet The Guest 01:44 – The Quiet Revolution Replacing Insurance 03:30 – Why Networks Are A Trap 04:35 – The Concierge That Holds Your Hand 07:07 – Why Bundled Pricing Beats The Old System 10:13 – Inside The Cost Sharing Vendors 12:30 – Price And Quality Don&apos;t Match 17:24 – Walking Through The Plan Options 22:15 – Specialty Hospitals And The Power Of Competition 25:14 – The Health Savings Account Advantage 31:14 – Plans For The Young And Healthy 34:09 – Why People Hate On Primary Care 36:28 – How To Get A Real Deal On Prescriptions 40:19 – Why The System Is Designed To Fail Kids 47:02 – The Truth About &quot;Nonprofit&quot; Hospitals 51:02 – The Guarantee Nobody Talks About 53:01 – The Pure Economic Relationship 54:06 – Find Your Backstop, Take Back Control</p>]]></description>
    <content:encoded><![CDATA[<p>When I graduated medical school, the system wasn&apos;t perfect, but it worked. Today? One in five claims get denied. Deductibles have hit $7,500. Eighty-four million claims were turned down on the exchange last year alone. And families are paying more than ever for less and less care.</p><p>In this conversation, I sit down with someone who has spent decades inside the policy world and now spends his days helping families and small business owners walk away from traditional insurance entirely… and into something millions of Americans are quietly switching to. We talk about why your insurance card might be the most expensive piece of plastic in your wallet, why cash patients are getting better care than insured patients, and the one mindset shift that decides whether you stay trapped or take back control of your healthcare.</p><p>If you&apos;ve ever stared at a hospital bill and felt sick, this episode is for you.</p><p>In this episode, you&apos;ll learn:</p><ul><li>The hidden reason your insurance plan keeps getting more expensive while delivering less — and what&apos;s quietly replacing it</li><li>Why the cheapest care in America is rarely where you&apos;d expect to find it, and what most patients never think to ask</li><li>The single sentence you can say at any doctor or hospital that can save you thousands of dollars on the spot</li></ul><p>Connect with Charles:</p><p>Email: <a href='mailto:frohman.charles@gmail.com'>frohman.charles@gmail.com</a></p><p>LinkedIn: <a href='http://linkedin.com/in/charles-d-frohman-0034141'>Linkedin.com/in/charles-d-frohman-0034141</a></p><p>Chapters:</p><p>00:07 – Why Obamacare Is Failing Millions 01:27 – Meet The Guest 01:44 – The Quiet Revolution Replacing Insurance 03:30 – Why Networks Are A Trap 04:35 – The Concierge That Holds Your Hand 07:07 – Why Bundled Pricing Beats The Old System 10:13 – Inside The Cost Sharing Vendors 12:30 – Price And Quality Don&apos;t Match 17:24 – Walking Through The Plan Options 22:15 – Specialty Hospitals And The Power Of Competition 25:14 – The Health Savings Account Advantage 31:14 – Plans For The Young And Healthy 34:09 – Why People Hate On Primary Care 36:28 – How To Get A Real Deal On Prescriptions 40:19 – Why The System Is Designed To Fail Kids 47:02 – The Truth About &quot;Nonprofit&quot; Hospitals 51:02 – The Guarantee Nobody Talks About 53:01 – The Pure Economic Relationship 54:06 – Find Your Backstop, Take Back Control</p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 18 May 2026 10:00:00 -0400</pubDate>
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    <itunes:duration>3260</itunes:duration>
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    <itunes:episode>14</itunes:episode>
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    <itunes:title>The Hidden Game Behind Your Medical Bill (And Why You’re Losing)</itunes:title>
    <title>The Hidden Game Behind Your Medical Bill (And Why You’re Losing)</title>
    <itunes:summary><![CDATA[I used to believe the system just needed small fixes. Then I saw what was really happening behind the scenes. Most people think healthcare is just “complicated.” That’s not true. It’s designed in a way that keeps you in the dark… and paying more than you should. In this episode, I walk through what I’ve learned from inside the system—and why so many smart people still miss what’s right in front of them. This isn’t about politics. It’s about control, incentives, and why the rules don’t work th...]]></itunes:summary>
    <description><![CDATA[<p>I used to believe the system just needed small fixes.</p><p>Then I saw what was really happening behind the scenes.</p><p>Most people think healthcare is just “complicated.” That’s not true. It’s designed in a way that keeps you in the dark… and paying more than you should.</p><p>In this episode, I walk through what I’ve learned from inside the system—and why so many smart people still miss what’s right in front of them.</p><p>This isn’t about politics. It’s about control, incentives, and why the rules don’t work the way you think they do.</p><p>If you’ve ever felt confused, frustrated, or like something just doesn’t add up… you’re not wrong.</p><p>You’re just seeing the cracks.</p><p><b>In this episode, you’ll learn:</b></p><ul><li>Why “free market healthcare” might not exist at all</li><li>The quiet shift that changed how much you pay—and why you didn’t notice</li><li>What insiders understand about pricing that most people never hear</li></ul><p>This one may change how you see every bill you’ve ever paid.</p><p>If something in this episode made you stop and think… you’re going to want to follow this guest closely.</p><p>Katy Talento is a Harvard-trained epidemiologist and naturopathic doctor who spent years inside the highest levels of healthcare policy. She served as a White House health advisor and worked directly on some of the biggest decisions shaping the system today.</p><p>But here’s what makes her different…</p><p>She walked away from all of it.</p><p>Now, she focuses on helping everyday people and employers understand what’s really going on—and how to navigate it without getting taken advantage of.</p><p>If you want to see what she’s seeing before everyone else does, start here:</p><p>Website: <a href='http://katytalento.com/'>KatyTalento.com</a> Instagram / X / LinkedIn: @katytalento Facebook: katytalento.nd</p><p>Trust me… the more you learn from her, the harder it is to look at healthcare the same way again.</p><p>Other resources mentioned in episode:</p><ul><li><a href='https://dollarfor.org/'>https://dollarfor.org/</a></li></ul><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p>I used to believe the system just needed small fixes.</p><p>Then I saw what was really happening behind the scenes.</p><p>Most people think healthcare is just “complicated.” That’s not true. It’s designed in a way that keeps you in the dark… and paying more than you should.</p><p>In this episode, I walk through what I’ve learned from inside the system—and why so many smart people still miss what’s right in front of them.</p><p>This isn’t about politics. It’s about control, incentives, and why the rules don’t work the way you think they do.</p><p>If you’ve ever felt confused, frustrated, or like something just doesn’t add up… you’re not wrong.</p><p>You’re just seeing the cracks.</p><p><b>In this episode, you’ll learn:</b></p><ul><li>Why “free market healthcare” might not exist at all</li><li>The quiet shift that changed how much you pay—and why you didn’t notice</li><li>What insiders understand about pricing that most people never hear</li></ul><p>This one may change how you see every bill you’ve ever paid.</p><p>If something in this episode made you stop and think… you’re going to want to follow this guest closely.</p><p>Katy Talento is a Harvard-trained epidemiologist and naturopathic doctor who spent years inside the highest levels of healthcare policy. She served as a White House health advisor and worked directly on some of the biggest decisions shaping the system today.</p><p>But here’s what makes her different…</p><p>She walked away from all of it.</p><p>Now, she focuses on helping everyday people and employers understand what’s really going on—and how to navigate it without getting taken advantage of.</p><p>If you want to see what she’s seeing before everyone else does, start here:</p><p>Website: <a href='http://katytalento.com/'>KatyTalento.com</a> Instagram / X / LinkedIn: @katytalento Facebook: katytalento.nd</p><p>Trust me… the more you learn from her, the harder it is to look at healthcare the same way again.</p><p>Other resources mentioned in episode:</p><ul><li><a href='https://dollarfor.org/'>https://dollarfor.org/</a></li></ul><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Thu, 07 May 2026 05:00:00 -0400</pubDate>
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    <itunes:duration>4499</itunes:duration>
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    <itunes:episode>13</itunes:episode>
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    <itunes:title>What Happens When Patients Finally See the Price First</itunes:title>
    <title>What Happens When Patients Finally See the Price First</title>
    <itunes:summary><![CDATA[I used to think I understood healthcare. Then my patients asked me one simple question… “How much will this cost me?” And I didn’t have an answer. Not because I didn’t care… But because the system wasn’t built to give one. In this episode, I walk through a truth most people never hear—why prices feel random, why even doctors don’t know them, and what happens when we finally flip that model upside down. There’s a belief that patients can’t shop for healthcare. I don’t buy that. And once you se...]]></itunes:summary>
    <description><![CDATA[<p>I used to think I understood healthcare.</p><p>Then my patients asked me one simple question…</p><p>“How much will this cost me?”</p><p>And I didn’t have an answer.</p><p>Not because I didn’t care…</p><p>But because the system wasn’t built to give one.</p><p>In this episode, I walk through a truth most people never hear—why prices feel random, why even doctors don’t know them, and what happens when we finally flip that model upside down.</p><p>There’s a belief that patients can’t shop for healthcare.</p><p>I don’t buy that.</p><p>And once you see what’s really going on behind the scenes… you won’t either.</p><p>This isn’t just about cost.</p><p>It’s about control.</p><p>In this episode, you’ll learn:</p><ul><li>Why healthcare pricing feels unpredictable—and why that might not be an accident</li><li>The hidden system that makes simple care feel complicated and out of reach</li><li>What changes when patients can finally see the price before they say yes</li></ul><p>Connect with Rahul Naidoo, the CEO and Co-founder of Superscript.</p><ul><li><a href='https://www.superscript.nyc/'>https://www.superscript.nyc/</a></li></ul><p>Chapters:</p><p>00:00 – Opening Thoughts on Complexity in Medicine</p><p>00:23 – The Question Doctors Can’t Answer</p><p>01:46 – Why This Conversation Matters</p><p>02:01 – From Computer Science to Healthcare</p><p>04:47 – Quitting Jobs With No Plan</p><p>06:25 – Why Healthcare Was the Target</p><p>07:40 – Are Prices Really Random?</p><p>08:28 – The Idea That Changes Everything</p><p>11:25 – What Problem Is Actually Being Solved</p><p>13:38 – Why Pricing Is So Complicated</p><p>17:33 – The Hidden Insurance Puzzle</p><p>20:02 – Can This System Actually Work?</p><p>24:17 – Where This Gets Really Interesting</p><p>27:37 – The Bigger Vision for Healthcare</p><p>31:48 – Building the System From Scratch</p><p>35:04 – Growth, Scale, and What’s Next</p><p>37:28 – The Real Role of AI in Healthcare</p><p>42:40 – What Doctors Think About This</p><p>45:02 – Why Practices Are Losing Money</p><p>47:31 – A Different Way to Think About Insurance</p><p>51:53 – The Philosophy Behind It All</p><p>54:50 – Final Thoughts and What Comes Next</p>]]></description>
    <content:encoded><![CDATA[<p>I used to think I understood healthcare.</p><p>Then my patients asked me one simple question…</p><p>“How much will this cost me?”</p><p>And I didn’t have an answer.</p><p>Not because I didn’t care…</p><p>But because the system wasn’t built to give one.</p><p>In this episode, I walk through a truth most people never hear—why prices feel random, why even doctors don’t know them, and what happens when we finally flip that model upside down.</p><p>There’s a belief that patients can’t shop for healthcare.</p><p>I don’t buy that.</p><p>And once you see what’s really going on behind the scenes… you won’t either.</p><p>This isn’t just about cost.</p><p>It’s about control.</p><p>In this episode, you’ll learn:</p><ul><li>Why healthcare pricing feels unpredictable—and why that might not be an accident</li><li>The hidden system that makes simple care feel complicated and out of reach</li><li>What changes when patients can finally see the price before they say yes</li></ul><p>Connect with Rahul Naidoo, the CEO and Co-founder of Superscript.</p><ul><li><a href='https://www.superscript.nyc/'>https://www.superscript.nyc/</a></li></ul><p>Chapters:</p><p>00:00 – Opening Thoughts on Complexity in Medicine</p><p>00:23 – The Question Doctors Can’t Answer</p><p>01:46 – Why This Conversation Matters</p><p>02:01 – From Computer Science to Healthcare</p><p>04:47 – Quitting Jobs With No Plan</p><p>06:25 – Why Healthcare Was the Target</p><p>07:40 – Are Prices Really Random?</p><p>08:28 – The Idea That Changes Everything</p><p>11:25 – What Problem Is Actually Being Solved</p><p>13:38 – Why Pricing Is So Complicated</p><p>17:33 – The Hidden Insurance Puzzle</p><p>20:02 – Can This System Actually Work?</p><p>24:17 – Where This Gets Really Interesting</p><p>27:37 – The Bigger Vision for Healthcare</p><p>31:48 – Building the System From Scratch</p><p>35:04 – Growth, Scale, and What’s Next</p><p>37:28 – The Real Role of AI in Healthcare</p><p>42:40 – What Doctors Think About This</p><p>45:02 – Why Practices Are Losing Money</p><p>47:31 – A Different Way to Think About Insurance</p><p>51:53 – The Philosophy Behind It All</p><p>54:50 – Final Thoughts and What Comes Next</p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 04 May 2026 05:00:00 -0400</pubDate>
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    <itunes:duration>3323</itunes:duration>
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    <itunes:episode>12</itunes:episode>
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  <item>
    <itunes:title>The Hidden Rule That Changed American Healthcare</itunes:title>
    <title>The Hidden Rule That Changed American Healthcare</title>
    <itunes:summary><![CDATA[Most people believe hospitals exist to serve patients first. But there’s a rule buried inside the healthcare system that most people have never heard about… and it changed everything. Years ago, doctors were quietly blocked from owning new hospitals. Almost no one talks about it. Yet that one move reshaped who controls healthcare in this country. In this episode, I dig into what really happened, why physician-led hospitals became such a threat, and how some doctors are finding a different pat...]]></itunes:summary>
    <description><![CDATA[<p>Most people believe hospitals exist to serve patients first.</p><p>But there’s a rule buried inside the healthcare system that most people have never heard about… and it changed everything.</p><p>Years ago, doctors were quietly blocked from owning new hospitals. Almost no one talks about it. Yet that one move reshaped who controls healthcare in this country.</p><p>In this episode, I dig into what really happened, why physician-led hospitals became such a threat, and how some doctors are finding a different path forward.</p><p>Because when doctors control the care… something very different starts to happen.</p><p>In this episode, you’ll learn:</p><ul><li>Why physicians were suddenly blocked from building new hospitals</li><li>The surprising reason physician-owned hospitals perform differently</li><li>The quiet workaround some doctors are using to build a new kind of healthcare system</li></ul><p>Learn more about Dr. Lucas Myers:</p><ul><li><a href='http://www.selkirkcenter.com/'>http://www.selkirkcenter.com/</a></li><li>on X: @DrLGarl</li><li>Physician-Led Healthcare for America: <a href='http://physiciansled.com/'>Physiciansled.com</a></li></ul><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p>Most people believe hospitals exist to serve patients first.</p><p>But there’s a rule buried inside the healthcare system that most people have never heard about… and it changed everything.</p><p>Years ago, doctors were quietly blocked from owning new hospitals. Almost no one talks about it. Yet that one move reshaped who controls healthcare in this country.</p><p>In this episode, I dig into what really happened, why physician-led hospitals became such a threat, and how some doctors are finding a different path forward.</p><p>Because when doctors control the care… something very different starts to happen.</p><p>In this episode, you’ll learn:</p><ul><li>Why physicians were suddenly blocked from building new hospitals</li><li>The surprising reason physician-owned hospitals perform differently</li><li>The quiet workaround some doctors are using to build a new kind of healthcare system</li></ul><p>Learn more about Dr. Lucas Myers:</p><ul><li><a href='http://www.selkirkcenter.com/'>http://www.selkirkcenter.com/</a></li><li>on X: @DrLGarl</li><li>Physician-Led Healthcare for America: <a href='http://physiciansled.com/'>Physiciansled.com</a></li></ul><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 27 Apr 2026 05:00:00 -0400</pubDate>
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    <itunes:duration>2084</itunes:duration>
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    <itunes:episode>11</itunes:episode>
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  <item>
    <itunes:title>Why Most Patients Don’t Actually Have Their Own Doctor Anymore</itunes:title>
    <title>Why Most Patients Don’t Actually Have Their Own Doctor Anymore</title>
    <itunes:summary><![CDATA[Most people believe they have a doctor. But the truth is… most don’t. What they really have is a system. A system where doctors are rushed, appointments are short, and decisions are often controlled by insurance companies instead of the people sitting in the exam room. I see this problem every day. In this episode, I talk about a different model of medicine that quietly puts the relationship between doctor and patient back where it belongs. It changes how care is delivered, how doctors practi...]]></itunes:summary>
    <description><![CDATA[<p>Most people believe they have a doctor.</p><p>But the truth is… most don’t.</p><p>What they really have is a system. A system where doctors are rushed, appointments are short, and decisions are often controlled by insurance companies instead of the people sitting in the exam room.</p><p>I see this problem every day.</p><p>In this episode, I talk about a different model of medicine that quietly puts the relationship between doctor and patient back where it belongs. It changes how care is delivered, how doctors practice, and how patients experience healthcare.</p><p>But most people have never heard of it.</p><p>And once you understand how it works, you start to see why the current system feels so frustrating.</p><p>In this episode, you’ll learn:</p><ul><li>Why the modern healthcare system often prevents doctors from truly helping patients</li><li>The surprising model of care that removes insurance from the middle of the doctor-patient relationship</li><li>Why some doctors say this approach completely changed the way they practice medicine</li></ul><p>If you’ve ever felt rushed, unheard, or stuck inside the healthcare system… this conversation may completely change how you think about medical care.</p><p>Learn more about William Steelman:</p><ul><li>Willam Steelman of Steelman Medical Group, <a href='http://steelmanmedicalgroup.com/'>steelmanmedicalgroup.com</a></li><li>Direct Primary Care Alliance <a href='http://dpcalliance.org/'>dpcalliance.org</a></li><li>Best way to find Direct Primary Care Physicians: <a href='http://mapper.dpcfrontier.com/'>mapper.dpcfrontier.com</a></li></ul><p>Direct Primary Care (DPC) is a model in which patients pay a monthly subscription fee to a physician for unliminted primary care. This doesn&apos;t involve insurane, but you can use your insurance for any follow up services needed.</p><p><br/></p>]]></description>
    <content:encoded><![CDATA[<p>Most people believe they have a doctor.</p><p>But the truth is… most don’t.</p><p>What they really have is a system. A system where doctors are rushed, appointments are short, and decisions are often controlled by insurance companies instead of the people sitting in the exam room.</p><p>I see this problem every day.</p><p>In this episode, I talk about a different model of medicine that quietly puts the relationship between doctor and patient back where it belongs. It changes how care is delivered, how doctors practice, and how patients experience healthcare.</p><p>But most people have never heard of it.</p><p>And once you understand how it works, you start to see why the current system feels so frustrating.</p><p>In this episode, you’ll learn:</p><ul><li>Why the modern healthcare system often prevents doctors from truly helping patients</li><li>The surprising model of care that removes insurance from the middle of the doctor-patient relationship</li><li>Why some doctors say this approach completely changed the way they practice medicine</li></ul><p>If you’ve ever felt rushed, unheard, or stuck inside the healthcare system… this conversation may completely change how you think about medical care.</p><p>Learn more about William Steelman:</p><ul><li>Willam Steelman of Steelman Medical Group, <a href='http://steelmanmedicalgroup.com/'>steelmanmedicalgroup.com</a></li><li>Direct Primary Care Alliance <a href='http://dpcalliance.org/'>dpcalliance.org</a></li><li>Best way to find Direct Primary Care Physicians: <a href='http://mapper.dpcfrontier.com/'>mapper.dpcfrontier.com</a></li></ul><p>Direct Primary Care (DPC) is a model in which patients pay a monthly subscription fee to a physician for unliminted primary care. This doesn&apos;t involve insurane, but you can use your insurance for any follow up services needed.</p><p><br/></p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 20 Apr 2026 05:00:00 -0400</pubDate>
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    <itunes:duration>3013</itunes:duration>
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    <itunes:episode>10</itunes:episode>
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  <item>
    <itunes:title>The Healthcare Middlemen Most Doctors Never Knew Existed</itunes:title>
    <title>The Healthcare Middlemen Most Doctors Never Knew Existed</title>
    <itunes:summary><![CDATA[When a hurricane knocked out one factory… hospitals across the country suddenly ran short on IV bags. Surgeries were delayed. Treatments were canceled. And hospitals were scrambling. But the real question is this: Why was the entire healthcare system depending on one single plant? In this episode, I break down a part of healthcare most people have never heard of — group purchasing organizations. These middlemen control the flow of medical supplies into hospitals across the country. And the ru...]]></itunes:summary>
    <description><![CDATA[<p>When a hurricane knocked out one factory… hospitals across the country suddenly ran short on IV bags.</p><p>Surgeries were delayed.</p><p>Treatments were canceled.</p><p>And hospitals were scrambling.</p><p>But the real question is this:</p><p>Why was the entire healthcare system depending on one single plant?</p><p>In this episode, I break down a part of healthcare most people have never heard of — group purchasing organizations.</p><p>These middlemen control the flow of medical supplies into hospitals across the country. And the rules around them created a system where a few companies can quietly shape the entire medical supply chain.</p><p>Once you understand how this system works, a lot of the strange shortages in healthcare start to make more sense.</p><p>In this episode, you’ll learn:</p><ul><li>Why one factory failure caused a nationwide shortage of IV bags</li><li>The little-known organizations that control most hospital supply contracts</li><li>How certain healthcare rules quietly changed the entire medical supply chain</li></ul><p>Learn more about Dr. Marion Mass:</p><ul><li><a href='https://free2care.org/wp-content/uploads/2025/01/report.pdf'>https://free2care.org/wp-content/uploads/2025/01/report.pdf</a></li><li><a href='https://www.bucksindependence.com/author/marion-mass/'>https://www.bucksindependence.com/author/marion-mass/</a></li></ul><p>Chapters:</p><p>00:00 – The IV Bag Shortage That Shocked Hospitals</p><p>00:11 – How One Factory Disrupted the Entire System</p><p>02:05 – What Group Purchasing Organizations Actually Do</p><p>04:23 – Why Medical Shortages Keep Happening</p><p>06:01 – The Growing Problem With Drug Supply Chains</p><p>08:29 – The Conflict Built Into Medical Purchasing</p><p>11:13 – Why No One Is Looking at the Contracts</p><p>12:53 – The Hidden Costs Inside Hospital Supplies</p><p>14:58 – How One Company Controls Huge Parts of the Market</p><p>17:21 – The Rise of Hospital Care at Home</p><p>21:17 – Why Hospitals May Not Be Needed for Some Care</p><p>27:00 – The Direct Care Model Changing Healthcare</p><p>36:43 – How Electronic Records Changed Doctor Workflows</p>]]></description>
    <content:encoded><![CDATA[<p>When a hurricane knocked out one factory… hospitals across the country suddenly ran short on IV bags.</p><p>Surgeries were delayed.</p><p>Treatments were canceled.</p><p>And hospitals were scrambling.</p><p>But the real question is this:</p><p>Why was the entire healthcare system depending on one single plant?</p><p>In this episode, I break down a part of healthcare most people have never heard of — group purchasing organizations.</p><p>These middlemen control the flow of medical supplies into hospitals across the country. And the rules around them created a system where a few companies can quietly shape the entire medical supply chain.</p><p>Once you understand how this system works, a lot of the strange shortages in healthcare start to make more sense.</p><p>In this episode, you’ll learn:</p><ul><li>Why one factory failure caused a nationwide shortage of IV bags</li><li>The little-known organizations that control most hospital supply contracts</li><li>How certain healthcare rules quietly changed the entire medical supply chain</li></ul><p>Learn more about Dr. Marion Mass:</p><ul><li><a href='https://free2care.org/wp-content/uploads/2025/01/report.pdf'>https://free2care.org/wp-content/uploads/2025/01/report.pdf</a></li><li><a href='https://www.bucksindependence.com/author/marion-mass/'>https://www.bucksindependence.com/author/marion-mass/</a></li></ul><p>Chapters:</p><p>00:00 – The IV Bag Shortage That Shocked Hospitals</p><p>00:11 – How One Factory Disrupted the Entire System</p><p>02:05 – What Group Purchasing Organizations Actually Do</p><p>04:23 – Why Medical Shortages Keep Happening</p><p>06:01 – The Growing Problem With Drug Supply Chains</p><p>08:29 – The Conflict Built Into Medical Purchasing</p><p>11:13 – Why No One Is Looking at the Contracts</p><p>12:53 – The Hidden Costs Inside Hospital Supplies</p><p>14:58 – How One Company Controls Huge Parts of the Market</p><p>17:21 – The Rise of Hospital Care at Home</p><p>21:17 – Why Hospitals May Not Be Needed for Some Care</p><p>27:00 – The Direct Care Model Changing Healthcare</p><p>36:43 – How Electronic Records Changed Doctor Workflows</p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 13 Apr 2026 05:00:00 -0400</pubDate>
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    <itunes:duration>2445</itunes:duration>
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    <itunes:episode>9</itunes:episode>
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  <item>
    <itunes:title>Why Hospital Prices Are So Much Higher Than You Think</itunes:title>
    <title>Why Hospital Prices Are So Much Higher Than You Think</title>
    <itunes:summary><![CDATA[Most people blame doctors or insurance companies for the cost of healthcare. But that’s not where most of the money actually goes. In this episode, I break down the part of the healthcare system almost nobody talks about… hospitals. Hospital care now makes up about a third of all healthcare spending in the United States. And over the past two decades, hospital prices have grown far faster than almost anything else in the economy. So what’s really driving these costs? We talk about price trans...]]></itunes:summary>
    <description><![CDATA[<p>Most people blame doctors or insurance companies for the cost of healthcare.</p><p>But that’s not where most of the money actually goes.</p><p>In this episode, I break down the part of the healthcare system almost nobody talks about… hospitals.</p><p>Hospital care now makes up about a third of all healthcare spending in the United States. And over the past two decades, hospital prices have grown far faster than almost anything else in the economy.</p><p>So what’s really driving these costs?</p><p>We talk about price transparency, nonprofit hospital systems, government programs that quietly funnel billions into hospitals, and why the system keeps getting bigger and more expensive.</p><p>Once you see how the money actually moves through healthcare… you start to understand why costs keep rising.</p><p>In this episode, you’ll learn:</p><ul><li>Why hospital prices have risen dramatically compared to other medical care</li><li>The surprising reason many hospitals still hide their prices</li><li>How certain healthcare programs quietly shift billions into hospital systems</li></ul><p>Learn more about Dr. Marion Mass:</p><ul><li><a href='https://free2care.org/wp-content/uploads/2025/01/report.pdf'>https://free2care.org/wp-content/uploads/2025/01/report.pdf</a></li><li><a href='https://www.bucksindependence.com/author/marion-mass/'>https://www.bucksindependence.com/author/marion-mass/</a></li></ul><p>Chapters:</p><p>00:02 – Where the Money Is in Healthcare</p><p>00:10 – Why Hospital Costs Are Growing So Fast</p><p>02:34 – The Problem With Price Transparency</p><p>04:07 – Why Hospitals Resist Showing Prices</p><p>06:43 – The Truth About Nonprofit Hospitals</p><p>09:34 – Inside Hospital Executive Pay</p><p>12:42 – Government Programs Funding Hospitals</p><p>14:55 – How Hospital Consolidation Happens</p><p>18:00 – Why Hospitals Buy Physician Practices</p><p>21:27 – The 340B Drug Program Explained</p><p>27:34 – How Payment Systems Favor Hospitals</p><p>33:31 – Who Actually Represents Physicians and Patients</p><p>38:41 – Why Hospital Care Costs So Much More</p><p>43:48 – How Hospital Systems Became So Powerful</p>]]></description>
    <content:encoded><![CDATA[<p>Most people blame doctors or insurance companies for the cost of healthcare.</p><p>But that’s not where most of the money actually goes.</p><p>In this episode, I break down the part of the healthcare system almost nobody talks about… hospitals.</p><p>Hospital care now makes up about a third of all healthcare spending in the United States. And over the past two decades, hospital prices have grown far faster than almost anything else in the economy.</p><p>So what’s really driving these costs?</p><p>We talk about price transparency, nonprofit hospital systems, government programs that quietly funnel billions into hospitals, and why the system keeps getting bigger and more expensive.</p><p>Once you see how the money actually moves through healthcare… you start to understand why costs keep rising.</p><p>In this episode, you’ll learn:</p><ul><li>Why hospital prices have risen dramatically compared to other medical care</li><li>The surprising reason many hospitals still hide their prices</li><li>How certain healthcare programs quietly shift billions into hospital systems</li></ul><p>Learn more about Dr. Marion Mass:</p><ul><li><a href='https://free2care.org/wp-content/uploads/2025/01/report.pdf'>https://free2care.org/wp-content/uploads/2025/01/report.pdf</a></li><li><a href='https://www.bucksindependence.com/author/marion-mass/'>https://www.bucksindependence.com/author/marion-mass/</a></li></ul><p>Chapters:</p><p>00:02 – Where the Money Is in Healthcare</p><p>00:10 – Why Hospital Costs Are Growing So Fast</p><p>02:34 – The Problem With Price Transparency</p><p>04:07 – Why Hospitals Resist Showing Prices</p><p>06:43 – The Truth About Nonprofit Hospitals</p><p>09:34 – Inside Hospital Executive Pay</p><p>12:42 – Government Programs Funding Hospitals</p><p>14:55 – How Hospital Consolidation Happens</p><p>18:00 – Why Hospitals Buy Physician Practices</p><p>21:27 – The 340B Drug Program Explained</p><p>27:34 – How Payment Systems Favor Hospitals</p><p>33:31 – Who Actually Represents Physicians and Patients</p><p>38:41 – Why Hospital Care Costs So Much More</p><p>43:48 – How Hospital Systems Became So Powerful</p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 06 Apr 2026 05:00:00 -0400</pubDate>
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    <itunes:duration>2797</itunes:duration>
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    <itunes:episode>8</itunes:episode>
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    <itunes:title>Why Health Insurance Feels Unaffordable (And What Most People Don’t See)</itunes:title>
    <title>Why Health Insurance Feels Unaffordable (And What Most People Don’t See)</title>
    <itunes:summary><![CDATA[I see this every day… people think they have “good” health insurance. But then something happens. A bill shows up. A claim gets denied. Or worse… you realize you can’t even afford the plan anymore. And no one explains why. In this episode, I break down what’s really going on behind the scenes—and why so many people feel stuck, frustrated, and confused. This isn’t about selling you anything. It’s about helping you see the system clearly… so you can start asking better questions. Because once y...]]></itunes:summary>
    <description><![CDATA[<p>I see this every day… people think they have “good” health insurance.</p><p>But then something happens.</p><p>A bill shows up. A claim gets denied. Or worse… you realize you can’t even afford the plan anymore.</p><p>And no one explains why.</p><p>In this episode, I break down what’s really going on behind the scenes—and why so many people feel stuck, frustrated, and confused.</p><p>This isn’t about selling you anything. It’s about helping you see the system clearly… so you can start asking better questions.</p><p>Because once you see it… you can’t unsee it.</p><p>In this episode, you’ll learn:</p><ul><li>Why your “covered” care may not actually be covered when it matters most</li><li>The hidden ways you’re paying for insurance… even when you think you’re not</li><li>A different way to think about healthcare that most people never consider</li></ul><p>Connect With Talia Berkefeld: <a href='mailto:taliangmteam@gmail.com'>taliangmteam@gmail.com</a></p>]]></description>
    <content:encoded><![CDATA[<p>I see this every day… people think they have “good” health insurance.</p><p>But then something happens.</p><p>A bill shows up. A claim gets denied. Or worse… you realize you can’t even afford the plan anymore.</p><p>And no one explains why.</p><p>In this episode, I break down what’s really going on behind the scenes—and why so many people feel stuck, frustrated, and confused.</p><p>This isn’t about selling you anything. It’s about helping you see the system clearly… so you can start asking better questions.</p><p>Because once you see it… you can’t unsee it.</p><p>In this episode, you’ll learn:</p><ul><li>Why your “covered” care may not actually be covered when it matters most</li><li>The hidden ways you’re paying for insurance… even when you think you’re not</li><li>A different way to think about healthcare that most people never consider</li></ul><p>Connect With Talia Berkefeld: <a href='mailto:taliangmteam@gmail.com'>taliangmteam@gmail.com</a></p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 30 Mar 2026 05:00:00 -0400</pubDate>
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    <itunes:duration>2246</itunes:duration>
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    <itunes:episode>7</itunes:episode>
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  <item>
    <itunes:title>Why Health Insurance Feels Useless Even When You Pay for It</itunes:title>
    <title>Why Health Insurance Feels Useless Even When You Pay for It</title>
    <itunes:summary><![CDATA[Imagine paying $30,000 a year for something you barely use.  That’s how health insurance works for many families in America.  You pay your premiums.  You pay your deductible.  And when you finally need help… you enter a confusing system of approvals, networks, and denied claims.  In this episode, I break down how the health insurance system actually works behind the scenes.  We talk about the difference between fully insured and self-funded plans, why employers struggle with healthcare costs,...]]></itunes:summary>
    <description><![CDATA[<p>Imagine paying $30,000 a year for something you barely use.<br/><br/>That’s how health insurance works for many families in America.<br/><br/>You pay your premiums.<br/><br/>You pay your deductible.<br/><br/>And when you finally need help… you enter a confusing system of approvals, networks, and denied claims.<br/><br/>In this episode, I break down how the health insurance system actually works behind the scenes.<br/><br/>We talk about the difference between fully insured and self-funded plans, why employers struggle with healthcare costs, and how the Affordable Care Act changed the entire insurance landscape.<br/><br/>Most people think they understand their health insurance.<br/><br/>But the truth is… they’re missing the most important parts of the system.<br/><br/>In this episode, you’ll learn:<br/><br/>- Why many families pay thousands before insurance pays anything<br/>- The confusing difference between self-funded and fully insured plans<br/>- How major healthcare laws quietly reshaped the insurance industry</p><p><br/></p><p>Connect With Talia Berkefeld: <a href='mailto:taliangmteam@gmail.com'>taliangmteam@gmail.com</a><br/><br/>Chapters:<br/>00:01 – The $30,000 Health Insurance Problem<br/>00:21 – Why Health Insurance Feels So Confusing<br/>01:46 – Fully Insured vs Self-Funded Plans<br/>03:06 – Who Actually Pays Your Medical Bills<br/>04:18 – Why Employer Health Plans Keep Getting More Expensive<br/>06:38 – The Role of Insurance Brokers<br/>09:11 – How the Affordable Care Act Changed Insurance<br/>12:23 – The Consolidation of the Healthcare Industry<br/>14:17 – The 10 Essential Benefits Explained<br/>16:12 – Why Insurance Covers the Wrong Things<br/>17:10 – The Truth About High Deductible Plans and HSAs<br/>21:33 – How Hospitals Write Off Medical Bills</p>]]></description>
    <content:encoded><![CDATA[<p>Imagine paying $30,000 a year for something you barely use.<br/><br/>That’s how health insurance works for many families in America.<br/><br/>You pay your premiums.<br/><br/>You pay your deductible.<br/><br/>And when you finally need help… you enter a confusing system of approvals, networks, and denied claims.<br/><br/>In this episode, I break down how the health insurance system actually works behind the scenes.<br/><br/>We talk about the difference between fully insured and self-funded plans, why employers struggle with healthcare costs, and how the Affordable Care Act changed the entire insurance landscape.<br/><br/>Most people think they understand their health insurance.<br/><br/>But the truth is… they’re missing the most important parts of the system.<br/><br/>In this episode, you’ll learn:<br/><br/>- Why many families pay thousands before insurance pays anything<br/>- The confusing difference between self-funded and fully insured plans<br/>- How major healthcare laws quietly reshaped the insurance industry</p><p><br/></p><p>Connect With Talia Berkefeld: <a href='mailto:taliangmteam@gmail.com'>taliangmteam@gmail.com</a><br/><br/>Chapters:<br/>00:01 – The $30,000 Health Insurance Problem<br/>00:21 – Why Health Insurance Feels So Confusing<br/>01:46 – Fully Insured vs Self-Funded Plans<br/>03:06 – Who Actually Pays Your Medical Bills<br/>04:18 – Why Employer Health Plans Keep Getting More Expensive<br/>06:38 – The Role of Insurance Brokers<br/>09:11 – How the Affordable Care Act Changed Insurance<br/>12:23 – The Consolidation of the Healthcare Industry<br/>14:17 – The 10 Essential Benefits Explained<br/>16:12 – Why Insurance Covers the Wrong Things<br/>17:10 – The Truth About High Deductible Plans and HSAs<br/>21:33 – How Hospitals Write Off Medical Bills</p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 23 Mar 2026 05:00:00 -0400</pubDate>
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    <itunes:episode>6</itunes:episode>
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  <item>
    <itunes:title>Why Health Insurance Makes Care More Expensive</itunes:title>
    <title>Why Health Insurance Makes Care More Expensive</title>
    <itunes:summary><![CDATA[In the 1960s, people paid their doctors in cash. It was simple. It was cheap. Then everything changed.  We were told insurance would protect us. Just pay one price and everything is covered.  But is it?  I’ve seen families pay $30,000 a year before insurance even kicks in. I’ve seen an $8,000 bill for a 15-minute procedure. I’ve seen a $5,000 bag of saline that cost the hospital a few dollars.  And here’s the part no one wants to admit: many doctors are just as frustrated as you are.  So what...]]></itunes:summary>
    <description><![CDATA[<p>In the 1960s, people paid their doctors in cash. It was simple. It was cheap. Then everything changed.<br/><br/>We were told insurance would protect us. Just pay one price and everything is covered.<br/><br/>But is it?<br/><br/>I’ve seen families pay $30,000 a year before insurance even kicks in. I’ve seen an $8,000 bill for a 15-minute procedure. I’ve seen a $5,000 bag of saline that cost the hospital a few dollars.<br/><br/>And here’s the part no one wants to admit: many doctors are just as frustrated as you are.<br/><br/>So what if we’ve been thinking about health care the wrong way?<br/><br/>What if paying directly could actually cost less… and feel more human?<br/><br/>In this episode, I pull back the curtain on what’s really happening inside the system—and why more people are walking away from traditional insurance.<br/><br/>In this episode, you’ll learn:<br/><br/>- Why higher medical prices often mean worse care<br/>- The hidden reason your insurance bill keeps going up<br/>- How a different model is quietly helping families avoid medical bankruptcy<br/><br/>If you feel stuck… confused… or tired of surprise bills and denied claims—this episode will change how you see health care.<br/><br/>Listen now. Then decide if the system deserves your trust.<br/><br/>Connect with our guest Andy Schoonover: andy@joincrowdhealth.com<br/><br/>Chapters:<br/>00:00 – How Health Insurance Changed Everything<br/>00:59 – Why Costs Exploded<br/>02:22 – An Alternative to Insurance<br/>03:41 – The $8,000 Ear Surgery<br/>06:19 – Paying Cash vs Insurance<br/>11:02 – How Community Funding Works<br/>13:24 – Why Doctors Hate the System<br/>20:11 – The $250 Heart Test<br/>29:08 – Radical Transparency<br/>34:05 – The $5,000 Saline Bag<br/>46:20 – Growth, Diabetes, and the Future<br/>53:39 – The Biggest Challenges</p>]]></description>
    <content:encoded><![CDATA[<p>In the 1960s, people paid their doctors in cash. It was simple. It was cheap. Then everything changed.<br/><br/>We were told insurance would protect us. Just pay one price and everything is covered.<br/><br/>But is it?<br/><br/>I’ve seen families pay $30,000 a year before insurance even kicks in. I’ve seen an $8,000 bill for a 15-minute procedure. I’ve seen a $5,000 bag of saline that cost the hospital a few dollars.<br/><br/>And here’s the part no one wants to admit: many doctors are just as frustrated as you are.<br/><br/>So what if we’ve been thinking about health care the wrong way?<br/><br/>What if paying directly could actually cost less… and feel more human?<br/><br/>In this episode, I pull back the curtain on what’s really happening inside the system—and why more people are walking away from traditional insurance.<br/><br/>In this episode, you’ll learn:<br/><br/>- Why higher medical prices often mean worse care<br/>- The hidden reason your insurance bill keeps going up<br/>- How a different model is quietly helping families avoid medical bankruptcy<br/><br/>If you feel stuck… confused… or tired of surprise bills and denied claims—this episode will change how you see health care.<br/><br/>Listen now. Then decide if the system deserves your trust.<br/><br/>Connect with our guest Andy Schoonover: andy@joincrowdhealth.com<br/><br/>Chapters:<br/>00:00 – How Health Insurance Changed Everything<br/>00:59 – Why Costs Exploded<br/>02:22 – An Alternative to Insurance<br/>03:41 – The $8,000 Ear Surgery<br/>06:19 – Paying Cash vs Insurance<br/>11:02 – How Community Funding Works<br/>13:24 – Why Doctors Hate the System<br/>20:11 – The $250 Heart Test<br/>29:08 – Radical Transparency<br/>34:05 – The $5,000 Saline Bag<br/>46:20 – Growth, Diabetes, and the Future<br/>53:39 – The Biggest Challenges</p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 16 Mar 2026 05:00:00 -0400</pubDate>
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    <itunes:duration>3638</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episode>5</itunes:episode>
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  <item>
    <itunes:title>The Real Reason Healthcare Feels Impossible to Navigate</itunes:title>
    <title>The Real Reason Healthcare Feels Impossible to Navigate</title>
    <itunes:summary><![CDATA[Most people think the biggest problem in healthcare is cost. I don’t believe that. From what I’ve seen inside the system, the real issue is something much deeper—and it’s the reason so many people delay care, get surprise bills, or feel completely lost trying to get help. The system was supposed to make healthcare easier. Instead, it created layers of rules, vendors, billing steps, and confusion that most people never see… until they’re the patient. In this episode, I walk through what’s actu...]]></itunes:summary>
    <description><![CDATA[<p>Most people think the biggest problem in healthcare is cost.</p><p>I don’t believe that.</p><p>From what I’ve seen inside the system, the real issue is something much deeper—and it’s the reason so many people delay care, get surprise bills, or feel completely lost trying to get help.</p><p>The system was supposed to make healthcare easier.</p><p>Instead, it created layers of rules, vendors, billing steps, and confusion that most people never see… until they’re the patient.</p><p>In this episode, I walk through what’s actually happening behind the scenes—why doctors struggle to get paid, why patients struggle to access care, and why the system often works against the very people it’s meant to help.</p><p>Once you see how it really works, it’s hard to unsee.</p><p>In this episode, you’ll learn:</p><ul><li>Why the healthcare system turned into a 50-step process just to get care</li><li>The surprising reason insurance can sometimes cost more than paying cash</li><li>The hidden layer of the system most patients never realize exists</li></ul><p>If you’ve ever wondered why healthcare feels so complicated… this conversation will change how you see it.<br/><br/><b>Chapters:<br/></b><br/>02:02 – The Real Problem With Healthcare Access</p><p>03:37 – Why Deductibles Became a Barrier to Care</p><p>06:13 – The Hidden Cost of Getting Doctors Paid</p><p>08:15 – Discovering the True Price of Medical Procedures</p><p>12:06 – Why Transparency Is Missing in Healthcare</p><p>16:10 – The Problem With Drug Pricing and Hidden Rebates</p><p>24:24 – Why Healthcare Became So Complicated</p><p>27:26 – The Power of Having a Guide Through the System</p><p>36:34 – How the Platform and Model Started</p><p>40:12 – Bringing Both Sides of Healthcare Together</p><p>45:12 – The Hardest Part of Expanding Access to Care</p><p>52:14 – Why Hospitals Aren’t Always the Best Place for Treatment</p>]]></description>
    <content:encoded><![CDATA[<p>Most people think the biggest problem in healthcare is cost.</p><p>I don’t believe that.</p><p>From what I’ve seen inside the system, the real issue is something much deeper—and it’s the reason so many people delay care, get surprise bills, or feel completely lost trying to get help.</p><p>The system was supposed to make healthcare easier.</p><p>Instead, it created layers of rules, vendors, billing steps, and confusion that most people never see… until they’re the patient.</p><p>In this episode, I walk through what’s actually happening behind the scenes—why doctors struggle to get paid, why patients struggle to access care, and why the system often works against the very people it’s meant to help.</p><p>Once you see how it really works, it’s hard to unsee.</p><p>In this episode, you’ll learn:</p><ul><li>Why the healthcare system turned into a 50-step process just to get care</li><li>The surprising reason insurance can sometimes cost more than paying cash</li><li>The hidden layer of the system most patients never realize exists</li></ul><p>If you’ve ever wondered why healthcare feels so complicated… this conversation will change how you see it.<br/><br/><b>Chapters:<br/></b><br/>02:02 – The Real Problem With Healthcare Access</p><p>03:37 – Why Deductibles Became a Barrier to Care</p><p>06:13 – The Hidden Cost of Getting Doctors Paid</p><p>08:15 – Discovering the True Price of Medical Procedures</p><p>12:06 – Why Transparency Is Missing in Healthcare</p><p>16:10 – The Problem With Drug Pricing and Hidden Rebates</p><p>24:24 – Why Healthcare Became So Complicated</p><p>27:26 – The Power of Having a Guide Through the System</p><p>36:34 – How the Platform and Model Started</p><p>40:12 – Bringing Both Sides of Healthcare Together</p><p>45:12 – The Hardest Part of Expanding Access to Care</p><p>52:14 – Why Hospitals Aren’t Always the Best Place for Treatment</p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
    <guid isPermaLink="false">Buzzsprout-18807187</guid>
    <pubDate>Mon, 09 Mar 2026 05:00:00 -0400</pubDate>
    <itunes:duration>3709</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episode>4</itunes:episode>
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  <item>
    <itunes:title>Why We Spend the Most on Healthcare… and Live Shorter Lives</itunes:title>
    <title>Why We Spend the Most on Healthcare… and Live Shorter Lives</title>
    <itunes:summary><![CDATA[We spend more on healthcare than any country on earth. Five point three trillion dollars. About $15,000 per person. So why are we living shorter lives than other wealthy nations? In this episode, I break down what’s really happening inside the U.S. healthcare system. I show you where the money is actually going. And I challenge the biggest belief most people still hold about insurance. Here’s the hard truth: the system is not built the way you think it is. We’ve added layers of middlemen. We’...]]></itunes:summary>
    <description><![CDATA[<p>We spend more on healthcare than any country on earth.</p><p>Five point three trillion dollars. About $15,000 per person.</p><p>So why are we living shorter lives than other wealthy nations?</p><p>In this episode, I break down what’s really happening inside the U.S. healthcare system. I show you where the money is actually going. And I challenge the biggest belief most people still hold about insurance.</p><p>Here’s the hard truth: the system is not built the way you think it is.</p><p>We’ve added layers of middlemen. We’ve made prices impossible to see. And we’ve confused coverage with value.</p><p>But once you see what’s really happening… you can’t unsee it.</p><p>This episode is about taking back control.</p><p>In this episode, you’ll learn:</p><ul><li>Why spending more on healthcare does not mean getting better care</li><li>The hidden incentive that quietly pushes insurance costs higher every year</li><li>How cash prices for common procedures expose a flaw in the entire system</li></ul><p>If you’ve ever felt frustrated by rising premiums, high deductibles, or surprise bills… this episode will change how you think about healthcare forever.</p><p>Listen now and see the system differently.<br/><br/>Chapters<br/><br/>00:00 – The $5.3 Trillion Snapshot</p><p>01:00 – How Healthcare Took Over the Economy</p><p>02:00 – The Explosion of Middlemen</p><p>03:00 – Deductibles, Copays, and Hidden Costs</p><p>04:00 – Are We Getting Good Value?</p><p>05:00 – Where the Money Really Goes</p><p>06:00 – Hospital Consolidation and Pricing Power</p><p>07:00 – The Insurance Incentive Problem</p><p>08:00 – Are Doctors Really Overpaid?</p><p>10:00 – What Cosmetic Surgery Reveals</p><p>12:00 – Who Insurance Really Works For</p><p>14:00 – LASIK and the Power of Cash Pricing</p><p>16:00 – The Surgery Center Model</p><p>17:00 – Why Insurance Inflates Costs</p><p>21:00 – The Real Solutions Begin</p><p>23:00 – Expanding Health Savings Accounts</p><p>24:00 – The Fight for Price Transparency</p>]]></description>
    <content:encoded><![CDATA[<p>We spend more on healthcare than any country on earth.</p><p>Five point three trillion dollars. About $15,000 per person.</p><p>So why are we living shorter lives than other wealthy nations?</p><p>In this episode, I break down what’s really happening inside the U.S. healthcare system. I show you where the money is actually going. And I challenge the biggest belief most people still hold about insurance.</p><p>Here’s the hard truth: the system is not built the way you think it is.</p><p>We’ve added layers of middlemen. We’ve made prices impossible to see. And we’ve confused coverage with value.</p><p>But once you see what’s really happening… you can’t unsee it.</p><p>This episode is about taking back control.</p><p>In this episode, you’ll learn:</p><ul><li>Why spending more on healthcare does not mean getting better care</li><li>The hidden incentive that quietly pushes insurance costs higher every year</li><li>How cash prices for common procedures expose a flaw in the entire system</li></ul><p>If you’ve ever felt frustrated by rising premiums, high deductibles, or surprise bills… this episode will change how you think about healthcare forever.</p><p>Listen now and see the system differently.<br/><br/>Chapters<br/><br/>00:00 – The $5.3 Trillion Snapshot</p><p>01:00 – How Healthcare Took Over the Economy</p><p>02:00 – The Explosion of Middlemen</p><p>03:00 – Deductibles, Copays, and Hidden Costs</p><p>04:00 – Are We Getting Good Value?</p><p>05:00 – Where the Money Really Goes</p><p>06:00 – Hospital Consolidation and Pricing Power</p><p>07:00 – The Insurance Incentive Problem</p><p>08:00 – Are Doctors Really Overpaid?</p><p>10:00 – What Cosmetic Surgery Reveals</p><p>12:00 – Who Insurance Really Works For</p><p>14:00 – LASIK and the Power of Cash Pricing</p><p>16:00 – The Surgery Center Model</p><p>17:00 – Why Insurance Inflates Costs</p><p>21:00 – The Real Solutions Begin</p><p>23:00 – Expanding Health Savings Accounts</p><p>24:00 – The Fight for Price Transparency</p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 02 Mar 2026 03:00:00 -0500</pubDate>
    <itunes:duration>1601</itunes:duration>
    <itunes:keywords></itunes:keywords>
    <itunes:episode>1</itunes:episode>
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  <item>
    <itunes:title>Welcome to Real Doctor Speaks!</itunes:title>
    <title>Welcome to Real Doctor Speaks!</title>
    <itunes:summary><![CDATA[Welcome to Real Doc Speaks.  I’m a physician with over 40 years of experience. When I was practicing, I knew something wasn’t right. My patients were frustrated. Costs kept rising. Care kept getting more complicated.  But I didn’t fully understand how broken the system was.  After I retired in March of 2023, I started digging deeper. I read more. I studied more. And what I found shocked me.  Our healthcare system isn’t just flawed.  It’s a disaster.  That’s why I started this podcast.  Real D...]]></itunes:summary>
    <description><![CDATA[<p>Welcome to Real Doc Speaks.<br/><br/>I’m a physician with over 40 years of experience. When I was practicing, I knew something wasn’t right. My patients were frustrated. Costs kept rising. Care kept getting more complicated.<br/><br/>But I didn’t fully understand how broken the system was.<br/><br/>After I retired in March of 2023, I started digging deeper. I read more. I studied more. And what I found shocked me.<br/><br/>Our healthcare system isn’t just flawed.<br/><br/>It’s a disaster.<br/><br/>That’s why I started this podcast.<br/><br/>Real Doc Speaks pulls back the curtain on American healthcare. I show you what’s really happening behind the scenes — why care costs so much, why patients feel powerless, and why common-sense solutions never seem to stick.<br/><br/>Each week, I break it down in two ways:<br/><br/>I speak directly to you about how the system actually works<br/><br/>I interview innovative leaders who are creating real solutions<br/><br/>This podcast is about clarity.<br/><br/>It’s about exposing what drives prices up.<br/><br/>And it’s about finding practical, innovative ways to fix what’s broken.<br/><br/>If you’ve ever felt frustrated trying to afford care…<br/>If you’ve wondered why the system makes no sense…<br/>If you believe patients deserve transparency and value…<br/><br/>You’re in the right place.<br/><br/>New episodes release weekly.<br/><br/>Subscribe on YouTube or wherever you get your podcasts — and join me as we uncover the truth about healthcare.</p>]]></description>
    <content:encoded><![CDATA[<p>Welcome to Real Doc Speaks.<br/><br/>I’m a physician with over 40 years of experience. When I was practicing, I knew something wasn’t right. My patients were frustrated. Costs kept rising. Care kept getting more complicated.<br/><br/>But I didn’t fully understand how broken the system was.<br/><br/>After I retired in March of 2023, I started digging deeper. I read more. I studied more. And what I found shocked me.<br/><br/>Our healthcare system isn’t just flawed.<br/><br/>It’s a disaster.<br/><br/>That’s why I started this podcast.<br/><br/>Real Doc Speaks pulls back the curtain on American healthcare. I show you what’s really happening behind the scenes — why care costs so much, why patients feel powerless, and why common-sense solutions never seem to stick.<br/><br/>Each week, I break it down in two ways:<br/><br/>I speak directly to you about how the system actually works<br/><br/>I interview innovative leaders who are creating real solutions<br/><br/>This podcast is about clarity.<br/><br/>It’s about exposing what drives prices up.<br/><br/>And it’s about finding practical, innovative ways to fix what’s broken.<br/><br/>If you’ve ever felt frustrated trying to afford care…<br/>If you’ve wondered why the system makes no sense…<br/>If you believe patients deserve transparency and value…<br/><br/>You’re in the right place.<br/><br/>New episodes release weekly.<br/><br/>Subscribe on YouTube or wherever you get your podcasts — and join me as we uncover the truth about healthcare.</p>]]></content:encoded>
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    <itunes:author>Luis</itunes:author>
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    <pubDate>Sat, 28 Feb 2026 07:00:00 -0500</pubDate>
    <itunes:duration>63</itunes:duration>
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    <itunes:title>Why America Pays 3X More for the Same Drugs</itunes:title>
    <title>Why America Pays 3X More for the Same Drugs</title>
    <itunes:summary><![CDATA[Last year, we spent $800 billion on prescription drugs.  That’s the most in the world.  And we pay almost three times what other countries pay for the exact same medications.  If we just paid the average price other countries pay, we would have saved over $500 billion.  So what’s going on?  In this episode, I expose the dirty secret behind American drug pricing. We break down how middlemen distort prices, why there are thousands of different prices for the same drug, and what one major bill c...]]></itunes:summary>
    <description><![CDATA[<p>Last year, we spent $800 billion on prescription drugs.<br/><br/>That’s the most in the world.<br/><br/>And we pay almost three times what other countries pay for the exact same medications.<br/><br/>If we just paid the average price other countries pay, we would have saved over $500 billion.<br/><br/>So what’s going on?<br/><br/>In this episode, I expose the dirty secret behind American drug pricing. We break down how middlemen distort prices, why there are thousands of different prices for the same drug, and what one major bill could do to finally fix it.<br/><br/>This is not about politics. It’s about patients. It’s about survival for local pharmacies. And it’s about stopping a system that makes no sense.<br/><br/>In this episode, you’ll learn:<br/><br/>- Why the same drug can have 2,000+ different prices in one federal program<br/>- How a small-town pharmacy was reimbursed $1.92 while another got $89 for the same medication<br/>- The legislation that could remove price manipulation and force real transparency<br/><br/>If you care about drug costs, independent pharmacies, or keeping control of your healthcare dollars… this episode matters.<br/><br/>Listen now. Then call your representative.<br/><br/>Connect with our guests<br/>Brandi Chane - https://x.com/BrandiChane<br/>Greg Reybold - https://x.com/Greg_Reybold<br/><br/><br/>Chapters:<br/>00:00 – The $800 Billion Drug Pricing Secret<br/>00:44 – Why PBM Reform Is Critical<br/>01:55 – Reimbursement Reform Explained<br/>03:34 – The Pharmacists Fight Back Act<br/>05:07 – Why Drug Pricing Reform Is So Hard<br/>08:59 – What Just Passed at the Federal Level<br/>10:29 – The Georgia Pricing Shock<br/>12:35 – 2,200 Different Prices for the Same Drug<br/>14:33 – Returning Rebates to Patients<br/>16:19 – Why This Bill Changes Everything<br/>19:25 – Why Middlemen Drive Up Costs<br/>20:32 – Call Your Representatives<br/>22:18 – Will the Bill Pass?<br/>23:35 – Why Phone Calls Matter<br/>26:24 – The Vertical Integration Problem<br/>27:19 – Why America Funds Global Pharma Profits<br/>28:56 – A Challenge to Big Pharma<br/>32:58 – State-Level Reform Success<br/>35:28 – The Vertical Integration Backlash<br/>36:30 – What Happened to Walgreens<br/>40:18 – How Formularies Changed the Game<br/>41:31 – Why Lawmakers Need to Hear From You<br/>44:04 – The Final Call to Action<br/><br/><br/><br/></p>]]></description>
    <content:encoded><![CDATA[<p>Last year, we spent $800 billion on prescription drugs.<br/><br/>That’s the most in the world.<br/><br/>And we pay almost three times what other countries pay for the exact same medications.<br/><br/>If we just paid the average price other countries pay, we would have saved over $500 billion.<br/><br/>So what’s going on?<br/><br/>In this episode, I expose the dirty secret behind American drug pricing. We break down how middlemen distort prices, why there are thousands of different prices for the same drug, and what one major bill could do to finally fix it.<br/><br/>This is not about politics. It’s about patients. It’s about survival for local pharmacies. And it’s about stopping a system that makes no sense.<br/><br/>In this episode, you’ll learn:<br/><br/>- Why the same drug can have 2,000+ different prices in one federal program<br/>- How a small-town pharmacy was reimbursed $1.92 while another got $89 for the same medication<br/>- The legislation that could remove price manipulation and force real transparency<br/><br/>If you care about drug costs, independent pharmacies, or keeping control of your healthcare dollars… this episode matters.<br/><br/>Listen now. Then call your representative.<br/><br/>Connect with our guests<br/>Brandi Chane - https://x.com/BrandiChane<br/>Greg Reybold - https://x.com/Greg_Reybold<br/><br/><br/>Chapters:<br/>00:00 – The $800 Billion Drug Pricing Secret<br/>00:44 – Why PBM Reform Is Critical<br/>01:55 – Reimbursement Reform Explained<br/>03:34 – The Pharmacists Fight Back Act<br/>05:07 – Why Drug Pricing Reform Is So Hard<br/>08:59 – What Just Passed at the Federal Level<br/>10:29 – The Georgia Pricing Shock<br/>12:35 – 2,200 Different Prices for the Same Drug<br/>14:33 – Returning Rebates to Patients<br/>16:19 – Why This Bill Changes Everything<br/>19:25 – Why Middlemen Drive Up Costs<br/>20:32 – Call Your Representatives<br/>22:18 – Will the Bill Pass?<br/>23:35 – Why Phone Calls Matter<br/>26:24 – The Vertical Integration Problem<br/>27:19 – Why America Funds Global Pharma Profits<br/>28:56 – A Challenge to Big Pharma<br/>32:58 – State-Level Reform Success<br/>35:28 – The Vertical Integration Backlash<br/>36:30 – What Happened to Walgreens<br/>40:18 – How Formularies Changed the Game<br/>41:31 – Why Lawmakers Need to Hear From You<br/>44:04 – The Final Call to Action<br/><br/><br/><br/></p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 02 Feb 2026 05:00:00 -0500</pubDate>
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    <itunes:title>Who Really Decides What Medication You Get?</itunes:title>
    <title>Who Really Decides What Medication You Get?</title>
    <itunes:summary><![CDATA[You think your doctor decides what medication you take.  But that’s not how it works.  There’s a middleman most people have never heard of. And they decide what drugs are approved, what pharmacy you must use, and how much you’ll pay.  A few years ago, I didn’t even understand how powerful they were. Then I did a deep dive.  And once you see it… you can’t unsee it.  This episode pulls back the curtain on pharmacy benefit managers — the companies controlling 80% of the prescription market. We t...]]></itunes:summary>
    <description><![CDATA[<p>You think your doctor decides what medication you take.<br/><br/>But that’s not how it works.<br/><br/>There’s a middleman most people have never heard of. And they decide what drugs are approved, what pharmacy you must use, and how much you’ll pay.<br/><br/>A few years ago, I didn’t even understand how powerful they were. Then I did a deep dive.<br/><br/>And once you see it… you can’t unsee it.<br/><br/>This episode pulls back the curtain on pharmacy benefit managers — the companies controlling 80% of the prescription market. We talk about rebates, formularies, audits, mail order mandates, and the quiet ways patients are being overcharged.<br/><br/>This isn’t theory. This affects almost every American family.<br/><br/>In this episode, you’ll learn:<br/><br/>How a $50 medication can turn into a $200 charge — and who benefits<br/>Why “lowest net cost” doesn’t mean lowest cost for you<br/>The hidden system that steers patients into higher-priced drugs and pharmacies<br/>If you’ve ever assumed your insurance company was getting you the best deal at the pharmacy… this episode may completely change how you think.<br/><br/>Listen now. And decide for yourself.<br/><br/>Connect with our guests<br/><br/>Brandi Chane - https://x.com/BrandiChane<br/><br/>Greg Reybold - https://x.com/Greg_Reybold<br/><br/>Chapters:<br/>00:00 – Who Really Controls Your Prescriptions<br/>01:00 – The Big Three PBMs<br/>02:11 – How PBMs Pressure Pharmacies<br/>03:11 – Why Independent Pharmacies Are Struggling<br/>05:12 – The Audit and Fee Trap<br/>06:23 – The Truth About DIR Fees<br/>09:01 – The Rebate System Explained<br/>11:40 – Why Patients Pay More at the Counter<br/>14:20 – Real-Life Consequences of High Drug Prices<br/>15:29 – When Generics Are Blocked<br/>19:02 – Preferred Pharmacies and Price Differences<br/>20:24 – Patient Steering and Vertical Integration<br/>21:55 – What Makes a Drug “Specialty”?<br/>25:10 – The Mail Order Push<br/>27:15 – Medicaid Spread Pricing Exposed<br/>32:09 – Prior Authorizations and Step Therapy<br/>33:38 – Rebates Drive the Formularies<br/>36:36 – How PBMs Manipulate Generic Prices<br/>38:17 – Employer Fiduciary Responsibility<br/>42:14 – Why PBMs Can’t Be Trusted to Set Prices<br/>46:09 – Breaking Up the PBM-Pharmacy Model<br/>50:06 – Do PBMs Actually Save You Money?</p>]]></description>
    <content:encoded><![CDATA[<p>You think your doctor decides what medication you take.<br/><br/>But that’s not how it works.<br/><br/>There’s a middleman most people have never heard of. And they decide what drugs are approved, what pharmacy you must use, and how much you’ll pay.<br/><br/>A few years ago, I didn’t even understand how powerful they were. Then I did a deep dive.<br/><br/>And once you see it… you can’t unsee it.<br/><br/>This episode pulls back the curtain on pharmacy benefit managers — the companies controlling 80% of the prescription market. We talk about rebates, formularies, audits, mail order mandates, and the quiet ways patients are being overcharged.<br/><br/>This isn’t theory. This affects almost every American family.<br/><br/>In this episode, you’ll learn:<br/><br/>How a $50 medication can turn into a $200 charge — and who benefits<br/>Why “lowest net cost” doesn’t mean lowest cost for you<br/>The hidden system that steers patients into higher-priced drugs and pharmacies<br/>If you’ve ever assumed your insurance company was getting you the best deal at the pharmacy… this episode may completely change how you think.<br/><br/>Listen now. And decide for yourself.<br/><br/>Connect with our guests<br/><br/>Brandi Chane - https://x.com/BrandiChane<br/><br/>Greg Reybold - https://x.com/Greg_Reybold<br/><br/>Chapters:<br/>00:00 – Who Really Controls Your Prescriptions<br/>01:00 – The Big Three PBMs<br/>02:11 – How PBMs Pressure Pharmacies<br/>03:11 – Why Independent Pharmacies Are Struggling<br/>05:12 – The Audit and Fee Trap<br/>06:23 – The Truth About DIR Fees<br/>09:01 – The Rebate System Explained<br/>11:40 – Why Patients Pay More at the Counter<br/>14:20 – Real-Life Consequences of High Drug Prices<br/>15:29 – When Generics Are Blocked<br/>19:02 – Preferred Pharmacies and Price Differences<br/>20:24 – Patient Steering and Vertical Integration<br/>21:55 – What Makes a Drug “Specialty”?<br/>25:10 – The Mail Order Push<br/>27:15 – Medicaid Spread Pricing Exposed<br/>32:09 – Prior Authorizations and Step Therapy<br/>33:38 – Rebates Drive the Formularies<br/>36:36 – How PBMs Manipulate Generic Prices<br/>38:17 – Employer Fiduciary Responsibility<br/>42:14 – Why PBMs Can’t Be Trusted to Set Prices<br/>46:09 – Breaking Up the PBM-Pharmacy Model<br/>50:06 – Do PBMs Actually Save You Money?</p>]]></content:encoded>
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    <itunes:author>Jim O&#39;Leary</itunes:author>
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    <pubDate>Mon, 02 Feb 2026 04:00:00 -0500</pubDate>
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