EP 66 Level-Funded and Self-Funded Benefit Plans, and Tony's Craw With Scott Fielding
Scott Fielding has spent 33 years selling health insurance, survived a tree that reportedly reached out and personally assaulted him on a mountain bike trail, and somehow still has the patience to explain what a captive is to people who nod along and Google it later. He joins Tony and Steve to walk through the difference between fully insured, level-funded, self-funded, and captive health plans, which sounds like the kind of thing that could put you to sleep until you realize one wrong choice here is probably costing your company six figures a year.
Somewhere in the middle of all this, Tony gets something stuck in his craw (ask him what that even means, we dare you), the guys talk about why HR departments keep getting quietly shrunk and then quietly rehired at a discount. If your renewal has gone up every year and nobody has ever told you why, or if you've ever wondered what happens to the money between your deductible and the six-figure claim you hope never happens, this is the episode. What is your broker actually doing for that commission, and would you even know if the answer was "not much"?
You can contact Scott Fielding at: scott.fielding@usi.com or (801) 455-9886
Learn more about Fantastic Tony Benjamin at: https://www.thegrangellc.com/
Learn more about Steven "Big Deal" Smith at: https://thehiringtreebook.com/
Learn more about the Books mentioned on the podcast at: https://thehiringtreebook.com/hr-life-podcast
Learn more about Dyno Outfitters at: https://www.utahviaferrata.com/
Learn more about MegastarHR at: https://www.megastarhr.com/
Learn more about Pucks for Autism at: https://www.pucksforautism.com/
Learn more about Thrive Life Project at: https://www.thrivelifeproject.org/
Creators and Guests
Host
Fantastic Tony Benjamin
I am a unique HR leader with more than 20 years’ experience working for some of Utah’s oldest, fastest growing, and most well-known companies. My experience includes Superior Drilling Products, Air Medical Resource Group, Control4, Ovivo USA and Deseret Book. I am a regionally recognized authority on building successful cultures and am an alumni speaker at DisruptHR SLC and DisruptHR St. George. I have earned an MBA from the University of Phoenix, a Bachelor’s degree from Utah State University, and am a certified Professional of Human Resources (PHR). I'm married to a woman out of my league, have three brilliant kids I doesn’t deserve and, although I travel a lot, live in Vernal, Utah.
Host
Steven "Big Deal" Smith
Steve will be the first to tell you that recruiting is marketing. He earned his Bachelor of Science in Finance at Brigham Young University and started his career in recruiting in Feb 2005. In 2008, he took a risk during a recession to help start a new company with Ryan Kohler, called ApplicantPro, a full suite HR platform for small to mid-sized businesses. In March 2025, ApplicantPro became iSolved Talent Acquisition, now serving 177,000 clients and close to 9800 employees. Before the merger, ApplicantPro made the Inc 5000 list 12 years in a row, Top Places to work in Utah 3 years in a row, and Steve was named the Small Business Utah HR Achievement Award winner in May 2024. iSolved was also named an Indeed Platinum Partner in 2023, 2024, and 2025 and is one of only ten ATS platforms in the country to obtain that designation. SHRM-CP & PHR certified, Steve currently volunteers on the Utah SHRM State Council as the immediate past State Executive Director. His book, The Hiring Tree: Laws of Applicant Attraction, was released in early 2023, and has helped thousands of organizations across the country rethink their approach to hiring. If you need help understanding the principles and role of SEO, marketing, and AI when it comes to attracting job seekers, Steve provides a solid framework for hiring effectively.
