New XBB1.5 COVID variant that is Highly Contagious and far more transmittable and may be better at avoiding the immune system’s defenses

America's Healthcare Advocate • January 23, 2023
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By David Thiessen • November 6, 2026
Episode 2242 notes We’ll talk about WellGuard Assurance’s health benefit product with Apta Cash-Pay. This is a product that is going to make a big difference in a lot of brokers’ lives because employers save, employees save and Doctors get paid immediately! And, If you're a physician or if you're working in a physician's office. You definitely want to take a look at this. Wouldn't you like to get paid in 48 hours? You can do that with Apta cash-pay. The experts on this show: Michael Poelman is the founder and president of Apta , and Ron Rowe is the CEO of WellGuard Assurance. Bonus insider secret: Did you ever want to know how employer healthcare benefits or your own healthcare benefits are created and managed. Check out the 3 rd (go to the19:51 mark) segment as Ron Rowe tells all from the inside of the company perspective. Employers and Brokers, Learn more about all Apta has to offer at https://apta-health.com/ or call (800) 839-7124 And for details about WellGuard Assurance, visit: https://wellguardassurance.com/ or call ( 855) 459-1113 . This is season 22 episode 42 of America's Healthcare Advocate. I'm Cary Hall. Cary Hall, America's Healthcare Advocate brings you topics and guests that are relevant to your health, the health of your business, healthcare needs, as well as critical health insurance information. https://www.americashealthcareadvocate.com/ If you have a service, product or insight related to healthcare, health lives and heathy business, consider partnbering with us: https://www.americashealthcareadvocate.com/sponsors
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S19 E03 - New XBB1.5 COVID variant that is Highly Contagious and far more transmittable and may be better at avoiding the immune system’s defenses

We discuss XBB1.5. This is a new COVID-19 variant and Janice King and Dale Winetroub, Co-Founders of Triology detail Issues we need to know connected to it, right now.



It is highly contagious and far more transmittable than either of the other 2 versions and is on the rise across the U.S. This subvariant may be better at avoiding the immune system’s defenses, based on lab studies. due to the specific mutations this one has acquired.

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By David Thiessen • November 6, 2026
Episode 2242 notes We’ll talk about WellGuard Assurance’s health benefit product with Apta Cash-Pay. This is a product that is going to make a big difference in a lot of brokers’ lives because employers save, employees save and Doctors get paid immediately! And, If you're a physician or if you're working in a physician's office. You definitely want to take a look at this. Wouldn't you like to get paid in 48 hours? You can do that with Apta cash-pay. The experts on this show: Michael Poelman is the founder and president of Apta , and Ron Rowe is the CEO of WellGuard Assurance. Bonus insider secret: Did you ever want to know how employer healthcare benefits or your own healthcare benefits are created and managed. Check out the 3 rd (go to the19:51 mark) segment as Ron Rowe tells all from the inside of the company perspective. Employers and Brokers, Learn more about all Apta has to offer at https://apta-health.com/ or call (800) 839-7124 And for details about WellGuard Assurance, visit: https://wellguardassurance.com/ or call ( 855) 459-1113 . This is season 22 episode 42 of America's Healthcare Advocate. I'm Cary Hall. Cary Hall, America's Healthcare Advocate brings you topics and guests that are relevant to your health, the health of your business, healthcare needs, as well as critical health insurance information. https://www.americashealthcareadvocate.com/ If you have a service, product or insight related to healthcare, health lives and heathy business, consider partnbering with us: https://www.americashealthcareadvocate.com/sponsors
By David Thiessen • October 31, 2026
Episode 2235 notes In American history, the wife a lot of times took care of the checking account and the banking accounts, but the husband took care of the investments, and women have historically had access to less financial information. It wasn't until 1974 where nationwide women could have their own checking account, their own credit cards and their own loans. Today, get a report card on your financial health and security and your ability to continue your lifestyle the way you want to continue it. In studio with me are Rick and Annie Dwyer . They are the founders and owners of SageonRQ.ai . We're educating and we're informing today you about your retirement portfolio, what you should do, what you shouldn't do and will totally objectively will tell you exactly where you are. And if you go further with the program, it'll tell you where you could be. If it sounds complicated, it’s not. As Annie says: “the analysis complex, but the experience isn't. All you have to do is answer a few simple questions in the website questionnaire. And these are things you already know, like how old you are, ow much you're getting in Social Security, what your pension amount is going to be. These are just simple questions. Once you're done with them, you hit the generate button and you wait a few minutes and you have your report.” This is season 22 ep[isode 35 of America's Healthcare Advocate. I'm Cary Hall. Learn more at: https://sageonrq.ai [ referenced in the show] RMD (Required Minimum Distribution) is the mandatory annual withdrawal from specific tax-deferred retirement accounts mandated by the IRS. A Monte Carlo simulation is a computerized mathematical technique that uses repeated random sampling to predict the probability of different outcomes in a process that is hard to predict due to random variables. Cary Hall, America's Healthcare Advocate brings you topics and guests that are relevant to your health, the health of your business, healthcare needs, as well as critical health insurance information. https://www.americashealthcareadvocate.com/ If you have a service, product or insight related to healthcare, health lives and heathy business, consider partnbering with us: https://www.americashealthcareadvocate.com/sponsors
By David Thiessen • October 23, 2026
Episode 2237 notes America's Healthcare Advocate for 22 years, Cary Hall with longtime friend and Medicare Expert Carolee Steele. Here is how to enroll, what to look out for, when to enroll, and what's new for 2027.  They talk Medicare Advantage, Medicare Supplement and have details on some of the major plan changes. Medicare enrollment period is October 15 to December 7th, 2026 (for 2027 benefits) Learn more, contact Carolee Steele at RPS Healthcare Solutions: (913) 521-4300. Medicare, ACA, for anywhere in the country. As always, if you need help or have something to share, contact me using this form on my website and let me know what's on your mind, the issues you are dealing with, or any other health, healthcare, or health insurance questions or concerns. Visit: https://www.americashealthcareadvocate.com/contact-us If you have a service, product or insight related to healthcare, health lives and heathy business, consider partnbering with us: https://www.americashealthcareadvocate.com/sponsors