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        <description>Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</description>
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      <title>Frozen Pipes - Trees - and MORE!</title>
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      <title>Delay-Deny-Defend!</title>
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      <title>What is ERISA? Rules Around ERISA Health Denials and more! www.policyandpowerpodcast.com</title>
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<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
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      <title>RESCISSION - Post Claims Underwriting!</title>
      <itunes:title>RESCISSION - Post Claims Underwriting!</itunes:title>
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Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
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Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
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      <title>The Ways Insurance Companies Make Money!</title>
      <itunes:title>The Ways Insurance Companies Make Money!</itunes:title>
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<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
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<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
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      <itunes:title>Insurance Subsidies - Deductibles - Out of Pocket - CoPays/CoInsurance - Specialty Visits - RX generics vs. brands!</itunes:title>
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<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
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<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
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      <title>How State Laws Make It Easy For Insurance Companies To Deny Claims!</title>
      <itunes:title>How State Laws Make It Easy For Insurance Companies To Deny Claims!</itunes:title>
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<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
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        <![CDATA[<p>How State Laws Make It Easy For Insurance Companies To Deny Claims! </p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
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      <podcast:episode>9</podcast:episode>
      <podcast:season></podcast:season>
            
      <title>Eric Buchanan - Why Do Health Insurance Companies Deny So Many Claims?!</title>
      <itunes:title>Eric Buchanan - Why Do Health Insurance Companies Deny So Many Claims?!</itunes:title>
                  <itunes:block>No</itunes:block>
      <googleplay:block>No</googleplay:block>
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      <pubDate>Mon, 22 Sep 2025 21:20:47 +0000</pubDate>
      <dc:creator>Clint Powell</dc:creator>
      <link>https://policy-pitfalls-power-plays.zencast.website/episodes/eric-buchanan-why-do-health-insurance-companies-deny-so-many-claims</link>
      <description><![CDATA[<p>Eric Buchanan - Why Do Health Insurance Companies Deny So Many Claims?!</p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
      <content:encoded>
        <![CDATA[<p>Eric Buchanan - Why Do Health Insurance Companies Deny So Many Claims?!</p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
      </content:encoded>
      <itunes:author>Clint Powell</itunes:author>
            <itunes:explicit>false</itunes:explicit>
      <googleplay:explicit>no</googleplay:explicit>
            <itunes:duration>2053</itunes:duration>
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        <item>
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            <itunes:episode>8</itunes:episode>
      <itunes:season></itunes:season>
      <podcast:episode>8</podcast:episode>
      <podcast:season></podcast:season>
            
      <title>Do You Really Have Flood Insurance?</title>
      <itunes:title>Do You Really Have Flood Insurance?</itunes:title>
                  <itunes:block>No</itunes:block>
      <googleplay:block>No</googleplay:block>
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      <pubDate>Sun, 24 Aug 2025 19:47:08 +0000</pubDate>
      <dc:creator>Clint Powell</dc:creator>
      <link>https://policy-pitfalls-power-plays.zencast.website/episodes/do-you-really-have-flood-insurance</link>
      <description><![CDATA[<p>Let's talk flood insurance</p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
      <content:encoded>
        <![CDATA[<p>Let's talk flood insurance</p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
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      <itunes:author>Clint Powell</itunes:author>
            <itunes:explicit>false</itunes:explicit>
      <googleplay:explicit>no</googleplay:explicit>
            <itunes:duration>1995</itunes:duration>
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            <itunes:episode>7</itunes:episode>
      <itunes:season></itunes:season>
      <podcast:episode>7</podcast:episode>
      <podcast:season></podcast:season>
            
      <title>What To Do With A Claim!</title>
      <itunes:title>What To Do With A Claim!</itunes:title>
                  <itunes:block>No</itunes:block>
      <googleplay:block>No</googleplay:block>
            <guid isPermaLink="false">26cf4751-18c1-4e25-ab7f-889ef4541f55</guid>
      <pubDate>Sun, 10 Aug 2025 12:27:43 +0000</pubDate>
      <dc:creator>Clint Powell</dc:creator>
      <link>https://policy-pitfalls-power-plays.zencast.website/episodes/what-to-do-with-a-claim</link>
      <description><![CDATA[<p>So - you have a claim - now what? </p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
      <content:encoded>
        <![CDATA[<p>So - you have a claim - now what? </p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
      </content:encoded>
      <itunes:author>Clint Powell</itunes:author>
            <itunes:explicit>false</itunes:explicit>
      <googleplay:explicit>no</googleplay:explicit>
            <itunes:duration>1613</itunes:duration>
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        <item>
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            <itunes:episode>6</itunes:episode>
      <itunes:season></itunes:season>
      <podcast:episode>6</podcast:episode>
      <podcast:season></podcast:season>
            
      <title>Auto Insurance with John Ballinger</title>
      <itunes:title>Auto Insurance with John Ballinger</itunes:title>
                  <itunes:block>No</itunes:block>
      <googleplay:block>No</googleplay:block>
            <guid isPermaLink="false">501b4e08-0d19-4d13-9405-d5d7d02a6f1a</guid>
      <pubDate>Tue, 05 Aug 2025 14:43:38 +0000</pubDate>
      <dc:creator>Clint Powell</dc:creator>
      <link>https://policy-pitfalls-power-plays.zencast.website/episodes/auto-insurance-with-john-ballinger</link>
      <description><![CDATA[<h2>Pardon our audio difficulties - next week we will be back in studio! AUTO INSURANCE!!!
Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
      <content:encoded>
        <![CDATA[<h2>Pardon our audio difficulties - next week we will be back in studio! AUTO INSURANCE!!!
Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
      </content:encoded>
      <itunes:author>Clint Powell</itunes:author>
            <itunes:explicit>false</itunes:explicit>
      <googleplay:explicit>no</googleplay:explicit>
            <itunes:duration>2419</itunes:duration>
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        <item>
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            <itunes:episode>5</itunes:episode>
      <itunes:season></itunes:season>
      <podcast:episode>5</podcast:episode>
      <podcast:season></podcast:season>
            
      <title>Homeowners Beware!</title>
      <itunes:title>Homeowners Beware!</itunes:title>
                  <itunes:block>No</itunes:block>
      <googleplay:block>No</googleplay:block>
            <guid isPermaLink="false">7e0bbc1b-1cb1-47fd-b26f-b1b640db94e2</guid>
      <pubDate>Mon, 28 Jul 2025 12:39:57 +0000</pubDate>
      <dc:creator>Clint Powell</dc:creator>
      <link>https://policy-pitfalls-power-plays.zencast.website/episodes/homeowners-beware</link>
      <description><![CDATA[<p>Homeowners Beware!</p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
      <content:encoded>
        <![CDATA[<p>Homeowners Beware!</p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
      </content:encoded>
      <itunes:author>Clint Powell</itunes:author>
            <itunes:explicit>false</itunes:explicit>
      <googleplay:explicit>no</googleplay:explicit>
            <itunes:duration>2174</itunes:duration>
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        <item>
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            <itunes:episode>4</itunes:episode>
      <itunes:season></itunes:season>
      <podcast:episode>4</podcast:episode>
      <podcast:season></podcast:season>
            
      <title>The Economics of Why Insurance Deny Claims?</title>
      <itunes:title>The Economics of Why Insurance Deny Claims?</itunes:title>
                  <itunes:block>No</itunes:block>
      <googleplay:block>No</googleplay:block>
            <guid isPermaLink="false">4c3c7974-30a3-489e-be7e-80f62ad57269</guid>
      <pubDate>Fri, 11 Jul 2025 23:56:17 +0000</pubDate>
      <dc:creator>Clint Powell</dc:creator>
      <link>https://policy-pitfalls-power-plays.zencast.website/episodes/the-economics-of-why-insurance-deny-claims</link>
      <description><![CDATA[<p>The economics of why insurance deny claims?</p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
      <content:encoded>
        <![CDATA[<p>The economics of why insurance deny claims?</p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
      </content:encoded>
      <itunes:author>Clint Powell</itunes:author>
            <itunes:explicit>false</itunes:explicit>
      <googleplay:explicit>no</googleplay:explicit>
            <itunes:duration>2971</itunes:duration>
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        <item>
      <itunes:episodeType>full</itunes:episodeType>
            <itunes:episode>3</itunes:episode>
      <itunes:season></itunes:season>
      <podcast:episode>3</podcast:episode>
      <podcast:season></podcast:season>
            
      <title>Exclusions and Definitions!</title>
      <itunes:title>Exclusions and Definitions!</itunes:title>
                  <itunes:block>No</itunes:block>
      <googleplay:block>No</googleplay:block>
            <guid isPermaLink="false">d807e71e-8fbc-4115-9640-eaba763519c7</guid>
      <pubDate>Sat, 28 Jun 2025 13:35:20 +0000</pubDate>
      <dc:creator>Clint Powell</dc:creator>
      <link>https://policy-pitfalls-power-plays.zencast.website/episodes/exclusions-and-definitions</link>
      <description><![CDATA[<p>Coverage - Exclusion Definitions and how that may change your coverage! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through!</p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
      <content:encoded>
        <![CDATA[<p>Coverage - Exclusion Definitions and how that may change your coverage! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through!</p>
<h2>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</h2>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
      </content:encoded>
      <itunes:author>Clint Powell</itunes:author>
            <itunes:explicit>false</itunes:explicit>
      <googleplay:explicit>no</googleplay:explicit>
            <itunes:duration>2848</itunes:duration>
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        <item>
      <itunes:episodeType>full</itunes:episodeType>
            <itunes:episode>2</itunes:episode>
      <itunes:season></itunes:season>
      <podcast:episode>2</podcast:episode>
      <podcast:season></podcast:season>
            
      <title>The Claims Process: Do's and Don'ts</title>
      <itunes:title>The Claims Process: Do&#039;s and Don&#039;ts</itunes:title>
                  <itunes:block>No</itunes:block>
      <googleplay:block>No</googleplay:block>
            <guid isPermaLink="false">70192ee0-29f5-420f-8806-90be413d9b94</guid>
      <pubDate>Sat, 21 Jun 2025 01:56:52 +0000</pubDate>
      <dc:creator>Clint Powell</dc:creator>
      <link>https://policy-pitfalls-power-plays.zencast.website/episodes/the-claims-process-dos-and-donts</link>
      <description><![CDATA[<h2>The Claims Process OR 'How to mess up your life and make the lives of the insurance companies better'! It's a long title but we are still working on! </h2>
<p>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</p>
<hr>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
      <content:encoded>
        <![CDATA[<h2>The Claims Process OR 'How to mess up your life and make the lives of the insurance companies better'! It's a long title but we are still working on! </h2>
<p>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</p>
<hr>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
      </content:encoded>
      <itunes:author>Clint Powell</itunes:author>
            <itunes:explicit>false</itunes:explicit>
      <googleplay:explicit>no</googleplay:explicit>
            <itunes:duration>3225</itunes:duration>
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        <item>
      <itunes:episodeType>full</itunes:episodeType>
            <itunes:episode>1</itunes:episode>
      <itunes:season></itunes:season>
      <podcast:episode>1</podcast:episode>
      <podcast:season></podcast:season>
            
      <title>Intro Episode! Why a Podcast - How Has Insurance Changed - How Does it Affect Us - What Should it Look Like!</title>
      <itunes:title>Intro Episode! Why a Podcast - How Has Insurance Changed - How Does it Affect Us - What Should it Look Like!</itunes:title>
                  <itunes:block>No</itunes:block>
      <googleplay:block>No</googleplay:block>
            <guid isPermaLink="false">c1b6982e-de84-417c-a86c-3151b6013cc8</guid>
      <pubDate>Fri, 06 Jun 2025 18:34:03 +0000</pubDate>
      <dc:creator>Clint Powell</dc:creator>
      <link>https://policy-pitfalls-power-plays.zencast.website/episodes/intro-episode-why-a-podcast-how-has-insurance-changed-how-does-it-affect-us-what-should-it-look-like</link>
      <description><![CDATA[<h2>Intro Episode! Why a Podcast - How Has Insurance Changed - How Does it Affect Us - What Should it Look Like! </h2>
<p>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</p>
<hr>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]></description>
      <content:encoded>
        <![CDATA[<h2>Intro Episode! Why a Podcast - How Has Insurance Changed - How Does it Affect Us - What Should it Look Like! </h2>
<p>Hosted by Attorney - Eric Buchanan AND Risk Management Professional/Business Owner - John Ballinger! Insurance impacts almost every part of our lives - even when we don't realize it! Let's talk it through! How it has changed over the years - how those changes affect us ALL - what it should look like! PLUS - how you can navigate the system!</p>
<hr>
<p>This podcast is hosted by <a href="https://wwww.zencast.fm">ZenCast.fm</a></p>]]>
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      <itunes:author>Clint Powell</itunes:author>
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