Episodes

  • 38. Navigating the No Surprises Act: Are Hospitals Complying - With Patrick Ansara

    38. Navigating the No Surprises Act: Are Hospitals Complying - With Patrick Ansara
    Nov 7 2024
    In this compelling episode of Ethos Effect, host Donovan Ryckis sits down with Patrick Ansara, an Account Executive at Ethos Benefits. Patrick’s journey from studying health policy at the University of Michigan to tackling real-world healthcare financial challenges is nothing short of inspiring.

    Join us as we dive into the complexities of the American healthcare system, explore innovative approaches to reducing employer healthcare costs, and spotlight incredible case studies that have turned financial burdens into accessible, affordable care for employees. Discover the true stories behind hospital negotiations, proactive healthcare interventions, and the fascinating intricacies of aggregate claims.

    By the end of this episode, listeners will walk away with actionable insights, a greater understanding of the healthcare landscape, and practical examples of how to humanize employee benefits while ensuring financial sustainability. Don’t miss this engaging conversation that promises to make healthcare finance both enlightening and relatable.

    Press play and transform your perspective on healthcare benefits with Ethos Effect.

    Connect with Chelsea and Donovan:
    Website: www.ethoseffectpodcast.com

    Instagram: https://www.instagram.com/ethoseffectpodcast/
    Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/
    Donovan: https://www.linkedin.com/in/donovanryckis/

    #EthosEffect #Podcast #EmployeeBenefits #Healthcare #Finance #Insurance #Entrepreneurship #BusinessGrowth #BusinessAdvice #FinancialManagement #ChelseaRyckis #DonovanRyckis #BusinessSuccess #Productivity #Challenges
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    26 mins
  • 37. A New Approach to Healthcare Benefits - With Meghan Anderson

    37. A New Approach to Healthcare Benefits - With Meghan Anderson
    Oct 24 2024
    Meghan Anderson, an account executive at Ethos Benefits, joins us as we celebrate our Benefits Pro Luminaries Award for humanizing employee benefits. With a unique dual role that bridges the gap between employers and employees, Meghan shares her expertise on navigating the intricate world of healthcare finance and delivery. Listen as she recounts impactful stories, including how her strategic collaboration with medical providers and pharmacy benefit managers saved an employee from high medication costs, thereby ensuring access to essential treatments without financial strain. This episode highlights the critical balance of reducing healthcare costs while upholding quality care, a philosophy that has earned Meghan and Ethos the spotlight for their exceptional work.

    We explore the complexities of dealing with insurance carriers, illustrated by a real-life scenario where a mishandled claim delayed essential benefits for an employee. Meghan sheds light on the importance of holding carriers accountable and setting up robust procedures to safeguard client interests. The conversation shifts to how building trust directly with clients can enhance their experience, moving away from the traditional reliance on sales reps. Celebrating Meghan's recognition as a Benefits Pro Luminary, we underscore the importance of empathy and efficiency in addressing everyday employee issues, reaffirming Ethos's commitment to elevating employee benefits.


    Connect with Meghan: https://www.linkedin.com/in/manderson38

    Connect with Chelsea and Donovan:
    Website: www.ethoseffectpodcast.com
    Instagram: https://www.instagram.com/ethoseffectpodcast/
    Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/
    Donovan: https://www.linkedin.com/in/donovanryckis/

    #EthosEffect #Podcast #EmployeeBenefits #Healthcare #Finance #Insurance #Entrepreneurship #BusinessGrowth #BusinessAdvice #FinancialManagement #ChelseaRyckis #DonovanRyckis #BusinessSuccess #Productivity #Challenges
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    22 mins
  • 36. The Hidden Costs of Healthcare: What Brokers Aren't Telling You- With Andy Najjar

    36. The Hidden Costs of Healthcare: What Brokers Aren't Telling You- With Andy Najjar
    Oct 10 2024
    Healthcare costs keep soaring while the service remains the same. In this eye-opening episode Chelsea is joined by Andy Najjar to dissect the complex web of incentives, transparency, and innovative strategies within the employer-sponsored healthcare landscape.

    Najjar pulls back the curtain on how large agencies often push for higher bonuses at the expense of clients, the crucial need for compensation disclosures, and why many brokers inadvertently contribute to rising healthcare costs. They delve into the "renewal game," the significant differences between brokers and advisors, and the immense financial burden high healthcare costs place on employees.

    Listeners will gain valuable insights into why incentivization structures are flawed, how transparent health programs can stabilize and even reduce costs, and the critical importance of fiduciary responsibility and documentation in decision-making. By the end of the episode, you'll be better equipped to scrutinize your broker's fees, understand the myths surrounding healthcare costs, and explore more cost-effective and proactive strategies for your business. Plus, don’t miss the exclusive preview of Najjar’s upcoming healthcare documentary and its potential to drive transparency and change in the industry. Get ready to transform how you approach healthcare benefits with this essential episode.

    Connect with Andy: https://www.linkedin.com/in/andynajjar

    Connect with Chelsea and Donovan:

    Website: www.ethoseffectpodcast.com
    Instagram: https://www.instagram.com/ethoseffectpodcast/
    Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/
    Donovan: https://www.linkedin.com/in/donovanryckis/

    #EthosEffect #Podcast #Entrepreneurship #BusinessGrowth #BusinessAdvice #FinancialManagement #ChelseaRyckis #DonovanRyckis #BusinessSuccess #Productivity #OvercomingChallenges
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    31 mins
  • 35. What You Have To Do To Stay Ahead of the Curve - With Justin Thomas

    35. What You Have To Do To Stay Ahead of the Curve - With Justin Thomas
    Sep 26 2024
    Waking up at 3 AM to drive hundreds of miles, sacrificing personal comforts, and confronting business challenges head-on—all to build a successful seven-figure enterprise isn’t a task everyone is up for.

    In this episode, Chelsea Ryckis is interviewed by Justin Thomas to delve into the foundational sacrifices and strategic decisions that led to the growth of Ethos Benefits. Listeners will hear about Donovan's pivotal choice to prioritize education and reinvestment over immediate profits, and Chelsea’s personal challenges and triumphs in defining and operationalizing core company values. The episode also highlights the innovative communication strategies implemented to improve employee engagement and benefits utilization, and the strategic pivot of divesting small accounts to focus on impactful solutions for larger enterprises.

    Gain valuable insights into entrepreneurship, learn the importance of continuous personal development and coaching, and discover transformative strategies to reduce healthcare costs while boosting employee satisfaction. This episode promises actionable advice, inspiration from real-world examples, and a compelling story of perseverance and strategic growth.

    Connect with Justin: https://bullbenefits.com/podcast

    Connect with Chelsea and Donovan:
    Website: www.ethoseffectpodcast.com
    Instagram: https://www.instagram.com/ethoseffectpodcast/
    Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/
    Donovan: https://www.linkedin.com/in/donovanryckis/

    #EthosEffect #Podcast #Entrepreneurship #BusinessGrowth #BusinessAdvice #FinancialManagement #ChelseaRyckis #DonovanRyckis #BusinessSuccess #Productivity #OvercomingChallenges
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    30 mins
  • 34. What You Have To GIVE UP to WIN: Chelsea Ryckis and Taylor Young on Be Extraordinary

    34. What You Have To GIVE UP to WIN: Chelsea Ryckis and Taylor Young on Be Extraordinary
    Sep 12 2024
    Imagine being told you'd never succeed, failing repeatedly, and struggling through immense personal hardship—only to emerge stronger, more resilient, and wildly successful. In this riveting episode, we dive deep into the astonishing journeys of two incredible individuals who turned every setback into a stepping stone for greatness.

    Join Chelsea Ryckis and Taylor Young as they unpack their extraordinary paths through life's severest challenges—overcoming brain injuries, navigating divorce, and conquering financial turmoil. With raw emotion and unfiltered honesty, Taylor shares how a friend's snide remark became the initial spark of his entrepreneurial fire, driving him to prove the doubters wrong. Chelsea recounts her transformation from a celebrated athlete to a top-tier business leader and industry award-winner, revealing the inevitable hurdles and victories that shaped her journey. Together, they explore the critical shifts in mindset needed to thrive, the importance of adaptability and systematic growth in business, and the often-overlooked value of personal development and self-care.

    Listeners will gain invaluable insights on resilience, the power of harnessing inner ethos, and the importance of balancing ambition with well-being. Chelsea and Taylor's stories will inspire you to face your own challenges head-on, adopt new strategies for personal and professional growth, and leverage your unique strengths to create sustainable success. Whether you're an aspiring entrepreneur, a seasoned business owner, or someone navigating life's ups and downs, this episode offers a wealth of wisdom on turning adversity into advantage and achieving lasting fulfillment.

    Connect with Be Extraordinary:
    https://beextraordinarypodcast.com/

    Connect with Chelsea and Donovan:
    Website: www.ethoseffectpodcast.com

    Instagram: https://www.instagram.com/ethoseffectpodcast/
    Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/
    Donovan: https://www.linkedin.com/in/donovanryckis/

    #EthosEffect #Podcast #Entrepreneurship #BusinessGrowth #BusinessAdvice #FinancialManagement #ChelseaRyckis #DonovanRyckis #BusinessSuccess #Productivity #OvercomingChallenges
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    57 mins
  • 33. Do These Things to Maximize Your Business’ Efficiency: With Heidi DeCoux

    33. Do These Things to Maximize Your Business’ Efficiency: With Heidi DeCoux
    Aug 29 2024
    What if you could transform your business operations with just one hour a month? We are joined by serial entrepreneur Heidi DeCoux, who not only built and sold multiple businesses, including a seven-figure deal, but is also revolutionizing small business accounting with her new AI-powered software, CashFlow AI.

    This episode dives deep into Heidi's journey from early entrepreneurship to her latest venture, the challenges and triumphs she's encountered, and her unique approach to operational efficiency and continuous learning. Along the way, Heidi shares actionable insights on managing financial stress, setting up efficient systems, and embracing imperfections in both business and life.

    Listeners will walk away with practical strategies to elevate their own ventures, optimize their financial management, and tackle challenges with newfound confidence. Tune in for an enriching conversation packed with tips, resources, and inspiration to help you thrive in the entrepreneurial world.

    Connect with Heidi:
    https://www.instagram.com/heididecoux/

    Connect with Chelsea and Donovan:
    Website: www.ethoseffectpodcast.com
    Instagram: https://www.instagram.com/ethoseffectpodcast/
    Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/
    Donovan: https://www.linkedin.com/in/donovanryckis/

    #EthosEffect #Podcast #HeidiDeCoux #Entrepreneurship #AIAccounting #SmallBusiness #CashflowAI #OperationalEfficiency #BusinessGrowth #SerialEntrepreneur #Nonprofit #BusinessAdvice #AIinBusiness #FinancialManagement #ChelseaRyckis #DonovanRyckis #BusinessSuccess #Productivity #OvercomingChallenges #StartupJourney #CRM
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    36 mins
  • 32. The Entrepreneur Who Lit Up the Cigar Industry with Brian Desind

    32. The Entrepreneur Who Lit Up the Cigar Industry with Brian Desind
    Aug 22 2024
    In this special episode, hosts Donovan and Chelsea Ryckis sit down with Brian Desind, the visionary entrepreneur behind Privada Cigar Club. Brian shares his remarkable journey from being a sneakerhead in LA to transforming the cigar industry with his innovative subscription service.

    We explore how he’s built meaningful relationships with manufacturers, pioneered the concept of "farm rolled" cigars, and driven rapid business growth through storytelling and education. Brian also opens up about his ethos, shaped by a chaotic childhood, and how it fuels his relentless pursuit of excellence in products and experiences.

    We dive into broader themes like business strategy, the importance of differentiation, and the challenges of disrupting significant industries, including healthcare. Tune in for an episode brimming with insights, inspiration, and a fresh perspective on achieving success in business and beyond. Whether you're a cigar aficionado or simply interested in entrepreneurial stories, this episode offers something for everyone.


    Brian Desind, a notable figure in the cigar industry, is renowned for his transition from a musician to a successful entrepreneur. He co-founded Privada Cigar Club in 2017 alongside Ofelia Desind. Based in Orlando, Florida, Privada Cigar Club began as a monthly subscription service offering rare and limited-edition cigars. It quickly gained popularity, becoming legendary with over 18,000 monthly subscribers. The club is unique in its focus on educating cigar smokers about these exclusive cigars and the stories behind them.

    In addition to Privada Cigar Club, Desind initiated the Limited Cigars Association (LCA) in July 2020. This venture aims to rejuvenate brick-and-mortar premium cigar shops across the United States. The LCA operates by distributing limited quantities of popular products to various shops and then promoted across Privada Cigar Club's social media channels. This approach has been highly successful, with the featured cigars often selling out rapidly.

    Desind's journey from creating catchy music to revolutionizing the cigar industry exemplifies his innovative approach to business. He has effectively applied storytelling and branding techniques learned from the music industry to market and promote cigars. This unique blend of skills and experiences has enabled Desind to make a significant impact in the cigar world.


    Connect with Brian:
    Instagram: https://www.instagram.com/privadacigarclub/
    Website: https://privadacigarclub.com/


    Connect with Chelsea and Donovan:
    Website: www.ethoseffectpodcast.com

    Instagram: https://www.instagram.com/ethoseffectpodcast/

    Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/

    Donovan: https://www.linkedin.com/in/donovanryckis/
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    1 hr and 17 mins
  • 31. Ideas that Can Change the World: With Osmoses Founder Katherine Mizrahi

    31. Ideas that Can Change the World: With Osmoses Founder Katherine Mizrahi
    Aug 15 2024
    Dive into the intricate world of hydrogen technology and industrial decarbonization featuring the brilliant mind of Katherine Mizrahi. In this compelling episode, Katherine unfolds the potential of hydrogen as a game-changer in industrial processes—from its generation through steam methane reforming to its innovative recycling and repurposing to reduce CO2 impact. Learn about the exciting developments in transporting hydrogen through existing natural gas pipelines and how these advancements could revolutionize energy infrastructure.

    With a strong materials science and engineering background from MIT, Katherine co-founded Osmoses—a cutting-edge startup focused on developing large-scale membranes for precise gas separations. She shares the journey of Osmoses, including the pilot system that’s as portable as a truckload, yet powerful enough to process high volumes of gas through stackable membrane modules. The episode delves into the collaborative efforts with Canada’s emission reduction initiatives and the comparative ease of working with energy-committed nations.

    Listeners will gain insights into the process of creating new rigid polymeric materials for gas separation, the financial and environmental incentives associated with renewable natural gas, and the significant governmental support backing breakthrough technologies. Through Katherine’s narrative, discover the ethos of continuous growth, impact, and adaptation that drives Osmosis, promising innovations in clean technology, energy efficiency, and cost-effective solutions for reducing industrial emissions.

    Connect with Katherine:
    https://www.instagram.com/kattttmiz/
    Connect with Chelsea and Donovan:
    Website: www.ethoseffectpodcast.com
    Instagram: https://www.instagram.com/ethoseffectpodcast/
    Chelsea: https://www.linkedin.com/in/chelsea-whalley-8508a192/
    Donovan: https://www.linkedin.com/in/donovanryckis/

    #EthosEffect #Podcast #KatherineMizrahiRodriguez #CleanTech #HydrogenProduction #IndustrialInnovation #Decarbonization #EnergyEfficiency #RenewableEnergy #NaturalGas #Sustainability #EmissionReduction #MIT #Polymers #GasSeparation #OsmosisTechnology #MaterialsScience #ClimateChange #NGIF #EnergyInnovation #EnvironmentalImpact #IndustryExpert #StartupJourney
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    34 mins