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You Can Offer Health Insurance That Doesn't Violate Your Conscience

Faith, Hope and Payroll Podcast

Bob Sankey of Novus United Catholic Benefits has spent thirty-five years in health insurance, and he says the biggest change he has seen is AI reading every employee on your census individually — prescription history, claims data, and social media posts included. Eric Jones gets into how that shows up at renewal, why competing quotes now come back nearly identical, and what it took for Workforce PayHub to move off an HRA onto a real group plan without funding anything it objects to. Sankey's blunt warning for any owner who has been handed a religious rider: in most cases it isn't real, and the only way to know is to audit the people administering your plan. In This Episode: ●     Why the quotes you collect at renewal all come back the same now. Carriers have largely moved to AI reviewing each person on the census individually, which Sankey says has made the market so transparent that nobody will undercut anyone. ●     A carrier will hand you a religious exemption rider and ask you to sign. Sankey says most are not real. ●     AI reviews every eligible employee, not every enrolled one. That includes the people on spousal coverage and the person on Medicare who will never join your plan, because open enrollment means the tool has to assume any of them could. ●     Remote patient monitoring, wearables, and digital twins — a virtual replica of a patient or an organ that lets a treatment be simulated before it is tried on the person? ●     The Church supports gene editing as treatment for disease and opposes embryo destruction and germline editing, which sounds clean until you try to trace where a given therapy's research came from. Resources Mentioned: ●     Workforce PayHub ●     Novus United Catholic Benefits ●     Catholic Owned ●     The National Catholic Bioethics Center ●     Catholic Benefits Association Chapters: ●     00:00: Introduction ●     00:30: Welcome, and how a Catholic group plan came together ●     04:44: AI underwriting, and the health footprint carriers now read ●     08:50: Telematics, wearables, and what your devices report ●     12:53: Where a therapy came from, not just what it does ●     18:20: The hormone therapy that got flagged and cleared ●     21:04: Auditing the auditor ●     26:40: Digital twins, and testing treatment on a copy of you ●     32:03: What HIPAA protects, and what it doesn't ●     36:18: Hobby Lobby, and how a private company joins a church plan ●     40:11: The Dominican Sisters of Hawthorne ●     45:28: The two organizations doing the verifying Produced by Saint Kolbe Studios