2019 FMMA Annual Conference

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The theme for the 2019 conference is “Burn the Ships!”  • The Free Market Healthcare New World

As the leaders of this free market movement in healthcare, we must encourage our clients, patients, and the members of our team to reject the Stockholm Syndrome of our current healthcare system. Our mission has changed from just educating and connecting the buyers and sellers to one of revolutionizing the healthcare industry; helping those who are victims of this broken system to reject the fear of letting go of their broken, listing, and sinking ship.

The goal of the 2019 conference is to motivate, energize, influence, and empower the current and potential leaders of the free market movement to Burn Your Ships! With a spectacular speaker lineup of innovators and idea generators, this is a must-attend event.

Notable speakers include economist and co-author of Primal Prescription, Bob Murphy; Dr. Marty Makary, author of The Price We Pay; and David Contorno, the paradigm-busting benefits innovator and Founder of     E Powered Benefit.

Everyone will find something of value in one of our eight breakout sessions covering topics like Incorporating the Free Market into your Benefit Plan, HMOs & the Free Market, Pricing of Specialty Care, Lies Employer’s Believe, Creating Bundled Pricing, and more!

The conference will close with our Founders’ Panel where Dr. Keith Smith and Jay Kempton will present Burn Your Ships: Going All In!

Conference Host

President, Oklahoma Council of Public Affairs

Jonathan Small is President of the Oklahoma Council of Public Affairs, having joined staff in December 2010. Previously, Jonathan was a budget analyst for the Oklahoma Office of State Finance, as a fiscal policy analyst and research analyst for the Oklahoma House of Representatives, and as director of government affairs for the Oklahoma Insurance Department. Small co-authored Economics 101 with Dr. Arthur Laffer and Dr. Wayne Winegarden, and his policy expertise has been referenced by The Oklahoman, the Tulsa World, National Review, the L.A. Times, The Hill, the Wall Street Journal and the Huffington Post. His weekly column “Free Market Friday” is published by the Journal Record and syndicated in 27 markets. A recipient of the American Legislative Exchange Council’s prestigious Private Sector Member of the Year award, Small is nationally recognized for his work to promote free markets, limited government and innovative public policy reforms. Jonathan holds a B.A. in Accounting from the University of Central Oklahoma.


Keynote Speaker, April 12

RON PAUL, M.D., Former Congressman and America’s Foremost Advocate for Liberty
TOPIC: Free Market Medical Care and The State

Dr. Paul delivers a candid look at the dysfunctional American political system. Using anecdotes from his 23 years in Congress, he highlights the need for a limited government and more personal liberties. Dr. Paul captures audiences’ attention by relating the occurrence of current national issues such as debt, privacy, and freedom to the government’s neglect to follow the constitution. His unwavering passion leaves audiences motivated to speak out, wake up, and let politicians know what they want.

Since his retirement from Congress, Dr. Paul has continued to work for limited constitutional government through organizations he founded, including the Foundation for Rational Economics and Education (FREE), Campaign for Liberty, and the Ron Paul Institute for Peace and Prosperity. In addition, Dr. Paul recently launched The Ron Paul Liberty Report, an online network airing original programming on today’s most pertinent issues. Dr. Paul, the author of several best-selling books, most recently released Swords into Plowshares, offering a personal reflection on American’s history of war, foreign intervention, and prospects for peace.

While serving in Congress during the late 1970s and early 1980s, Dr. Paul served on the House Banking committee, where he was a strong advocate for sound monetary policy and an outspoken critic of the Federal Reserve’s inflationary measures. He also was a key member of the Gold Commission, advocating a return to a gold standard for our currency. He was an unwavering advocate of pro-life and pro-family values. In 1984, he voluntarily relinquished his House seat and returned to his medical practice. He returned to Congress in 1997 to represent the 14th district of Texas, serving on the House Financial Services Committee and the Foreign Affairs Committee.

Dr. Paul, the author of several best-selling books, most recently released The School Revolution: A New Answer for Our Broken Education System, offering a provocative look at how we need to change the way we think about America’s dysfunctional education system in order to fix it.


FMMA Co-founder, President & CEO, The Kempton Group

In 1992, Joseph “Jay” Kempton started his journey with The Kempton Group, which was founded in 1969 by his father, Wayne Kempton. Mr. Kempton became the President and CEO in 2003 and has diligently worked with Oklahoma employers to ensure their employee benefits fit the needs of our community. In 2011, Mr. Kempton became aware of the free market medical movement in Oklahoma and what it could mean for healthcare in his community. Based on a true belief in transparency, and a genuine desire to change how employers and participants view and purchase healthcare, Mr. Kempton started the Kempton Premier Provider™ program. By partnering with free market minded providers in Oklahoma, Texas, and surrounding states, Mr. Kempton has helped his self-funded clients save millions of dollars in just a few years. Mr. Kempton is one of the founding members of the Free Market Medical Association, a board member of the Society of Professional Benefit Administrators, and a member of the Health Care Administrators Association. Mr. Kempton has a Bachelor of Science degree in Business Administration from Oklahoma State University and is Life, Health, AD&D, and Property and Casualty Insurance licensed in multiple states.


FMMA Co-Founder, Managing Partner, Surgery Center of Oklahoma

Dr. Keith Smith is a board certified anesthesiologist in private practice since 1990. In 1997, he co-founded The Surgery Center of Oklahoma, an outpatient surgery center in Oklahoma City. SCO is owned by over 50 of the top physicians and surgeons in central Oklahoma. Dr. Smith serves as the medical director, CEO and managing partner while maintaining an active anesthesia practice.

In 2009, Dr. Smith launched a website that displays SCO’s all-inclusive pricing for various surgical procedures. This move garnered national, and even international, attention. Not only do many uninsured or underinsured American patients take advantage of this cash pricing, but many Canadians have traveled to The Surgery Center to receive care. The free market focus of the Surgery Center, the innovator of this free market model in the U.S., has gained the endorsement of policymakers and legislators. Dr. Smith hopes as many facilities as possible will adopt a transparent pricing model, a move he believes will lower costs for all and improve quality of care. Dr. Smith is the co-founder of the Free Market Medical Association. The association provides a platform where buyers, both individuals and employers, who are seeking high quality, affordable healthcare can find free market minded sellers, both physicians and facilities.


Senior Fellow, Mises Institute & Research Assistant Professor – Free Market Institute at Texas Tech University
TOPIC: Theory and History Agree: Government Intervention in Health Care Reduces Quality and Increases Cost

Murphy first explains the theory by which free-market medicine should provide better quality at lower prices for patients. He critiques the mainstream economist view (derived from Kenneth Arrow) in which “market failure” allegedly keeps markets from working well in healthcare. He uses numerous examples from U.S. history to illustrate the pattern, including the FDA, medical licensing, the tax code, the ACA, and patterns in medical prices for different payment structures.

Robert is a Research Assistant Professor with the Free Market Institute at Texas Tech University. Along with ER doctor Doug McGuff, Murphy is the author of The Primal Prescription: Surviving the “Sick Care” Sinkhole. He earned his B.A. in economics from Hillsdale College and his Ph.D. in economics from New York University. He is currently Senior Economist at the Institute for Energy Research. Dr. Murphy also serves as a senior fellow with the Fraser Institute, a senior fellow with the Mises Institute, and a research fellow at the Independent Institute.



Founder and CEO of E Powered Benefits
Topic: Healthcare Stole the American Dream, Here’s How to Take it Back

Well over 20% of our GDP goes to Healthcare.  Based on the current trends, more than half of Millennials’ lifetime earnings will go to healthcare. The majority of Opioid addicts started with a legitimate prescription, taken as prescribed, and paid for by an employer sponsored health plan. Doctors are the number one suicide rate of any profession. And the average out-of-pocket is 10X the average savings account. If that doesn’t show that healthcare has stolen the American Dream, I don’t know what does.  Here’s why we let this happen… and how to take it back.

Twice named Broker of the Year and one of Forbes’ Most Innovative Benefits Leaders, David Contorno’s business model has produced average one-year savings of over 40% along with substantially reduced out of pocket costs for employees.


New York Times Bestselling Author and Johns Hopkins Surgeon and Professor of Health Policy
TOPIC: The Price We Pay: Cutting Through the Money Games and Restoring Medicine to Its Mission

Dr. Makary, a surgeon and leading health care expert, reviews the current state of medicine and how to prepare for the future of health care. With regulatory and paperwork burdens crushing doctors, he identifies the disruptors that are saying “no” to the throughput-billing model of practicing medicine and saying “yes” to a more patient-centered, relationship-based model that embraces technology, lifestyle science, and a competitive marketplace designed to bypass the middlemen and put physicians back in the driver’s seat. He will also discuss his newest book The Price We Pay and the grassroots effort to reform health care. The movement to restore medicine to its mission, Makary argues, is alive and well–a mission that can rebuild the public trust and save our country from the crushing cost of health care.

Dr. Makary has been elected to the National Academy of Medicine and named one of America’s 20 most influential people in health care by Health Leaders Magazine.  His book, Unaccountable, was turned into the hit TV medical series “The Resident”, and his newest book, The Price We Pay, tells the stories of health care’s disruptive innovators and the new movement to restore medicine to its mission.


Co-Founder & CEO, The Phia Group, LLC
TOPIC: Innovative Options for 2019: Empowering Your Benefit Plans

Healthcare has been and continues to be one of the (if not the) number one issue dominating politics, law, and the economy.  Employers are making a conscious decision to familiarize themselves with the legal landscape and various cost drivers tied to health benefits.  As a result, employers are demanding more—more options, more results, more information – in their quest to improve benefit offerings while minimizing costs.  This presentation is the best first step in your journey to understand the plan types and services that should be offered in 2019, and the steps needed to successfully implement each one.

The Phia Group LLC provides health care cost containment techniques offering comprehensive claims recovery, plan document and consulting services designed to control health care costs and protect plan assets. Their overall mission is to reduce plan costs through recovery strategies, innovative technologies, and legal expertise.

Russo is also founder and managing partner of The Law Offices of Russo & Minchoff, a full-service law firm with offices in Boston and Braintree, MA. His practice is devoted to employers, plan fiduciaries, third-party administrators and carriers in employment and employee benefits matters nationwide. He frequently speaks and writes on health care and employee benefits at webinars, conferences and seminars across the country.


President & CEO, GlobalHealth
TOPIC: HMO & The Free Market, Seriously?

The evolving role of innovative health plans in promoting free market principles. Specifically, innovative HMOs have unique capabilities that can help facilitate the move to more efficient delivery of health care services. GlobalHealth is a $275 million health maintenance organization providing affordable health care coverage to over 32,000 Oklahomans.    

Scott has been actively involved in community and civic organizations, most recently co-chairing the Tulsa Area United Way’s Alexis de Tocqueville committee with his wife Kayla.  He has also served as the president of the Child Abuse Network, a member of the advisory board for the Salvation Army – Tulsa, and as a member of the advisory board for the Oklahoma State University School of Accounting. 


Director of Provider Strategies, Licensed Nurse

Tracy is licensed in Oklahoma as a Life, Accident and Health Producer. Since joining MedCareOne in 2016, Tracy has developed their bundled transparent program; Evolution, and is working with clients and providers on cost-containment strategies. By providing cost-containment strategies to employers she helps them continue to provide great benefits to their employees which is a win-win for all.





Director of Benefits and Retirement

Mr. Wilkerson has worked in the Insurance/Healthcare realm for over 27 years.  He begin his career working for an insurance company auditing outside legal case progression and fees.  He then moved on to working in medical underwriting for the same company for several years.  He then gained great hands on experience working for a third party administer for over 10 years in claims, client services and account management.

In 2009, he became the Director of Benefits & Retirement for Oklahoma County.  He soon found out that the County’s health plan had to have innovative direction to remain solvent.  The County’s aging population, along with an almost uninsurable stop loss pool, led him to implement direct contracts, innovative preventative screenings, full spectrum mental health care and removing barriers from care.  These programs have saved the County and its participants millions of dollars, allowed easy access to high quality care and have saved lives.

Ms. Creger, Mr. Wilkerson & Mr. Hurley will host a panel discussion: Free Market, An Employer’s Perspective
This discussion will cover the effect of free market from an employer’s perspective; including everything from employee experience to the effect on their total health care spend.   


Independent Physician

Kathleen is a dermatologist in solo practice. In 1997, she and her husband and young children moved from Maryland to Coos Bay, Oregon, to join a multi-specialty group. In 2011, she founded her own solo, direct pay dermatology practice. Oregon Coast Dermatology operates free from third-party payers. Dr. Brown works directly for patients, by cutting out the middleman, and publicly posting her prices, based on time spent with patients.





President, WMI

Jack Brown studied Engineering at The United States Military at West Point, and Business at The College of William and Mary.  Currently he is the President and CEO of WMI; a global data management and application development company. While at The College of William and Mary, Mr. Brown created one the first major oil company gasoline and convenience stores chains for Texaco.  Mr. Brown and his wife recently established the Oregon chapter of the Free Market Medical Association.




Dr. Brown & Mr. Brown will host a panel discussion: Pricing Choices Beyond DPC
The DPC movement is great. This 3rd party free practice model is inspiring many physicians across the country. However, DPC is not a good fit for everyone. Physicians and patients still need more choices. We will explore another highly effective pricing and service model that may be more appropriate for some markets, specialties, physicians and patients.


President & Founder, Market Institute
TOPIC: Profit Motives in Healthcare: Why to Leave D.C. Behind And Why Not to Forget About It

The financial dynamics that drive policy creation and cronyism in healthcare are unbeatable with a head-on attack. The only way to win is not to play. Ignoring daily fights that happen on Capitol Hill and focusing on rebuilding the once-free market in healthcare is the only real way to reform the system. But there is never a guarantee Congress will stay out of your way, so we can’t forget it exists. We must continue to tell our stories and defend the freedom that does still exist. In the end, we need to recognize Congress won’t help, we just need to keep them from hurting us.

Charles is a policy specialist and writer with more than 15 years in politics. He worked on Capitol Hill; for a Governor on tax, immigration, and labor issues; and was Deputy Legislative Director for an academic think tank focusing on tax, finance, and healthcare. He is also author of Profit Motive: What Drives the Things We Do.


Founder/Owner, Prairie Spine

Richard A. Kube II, MD, FACSS, FAAOS, CIME is a fellowship-trained spine surgeon and Founder/Owner of Prairie Spine & Pain Institute, in Peoria, Illinois. He also founded and owns Prairie Surgicare, an AAAHC certified surgical facility.





Orthopaedic Surgeon, Monticello Community Surgery Center

Dr. Grant is an Orthopaedic Surgeon who coordinated efforts with his physician partners to develop a transparent pricing-based Outpatient Surgery Center within a Certificate of Need state.

Dr. Kube & Dr. Grant will host a panel discussion:
Bundles Payment Models in Healthcare:
Past, Present & Future

This presentation will describe the market forces encouraging buyers and sellers to create a bundled model, present the considerations for determining the bundled price, and instruct on how to implement bundled pricing into your medical practice.



Medical care provided under free market conditions will certainly provide more services at a lower cost, compared to any non-free market alternatives. But there are deeper and more important ethical considerations at play than utilitarian effects. The essence of medical care—understood in its Hippocratic vision—demands that the decisions made by doctors and by patients be free. Any deliberate outside restriction on the freedom of doctors and patients necessarily corrupts the ethics of the doctor-patient relationship, however well-intentioned they may be. This talk will connect the Hippocratic understanding of medicine and the doctor-patient relationship to the workings of the free market.

Michel Accad, M.D. practices cardiology and internal medicine in San Francisco and holds a faculty appointment at the University of California San Francisco.  He regularly publishes articles in peer-reviewed journals of medicine, ethics, and philosophy. He co-hosts The Accad and Koka Report, a podcast program that was recently ranked #1 podcast for healthcare innovators by Forbes magazine online.


Direct Medical Care

Dr. Riggs will highlight her experiences with Direct Primary Care since 2013.  She has embodied the spirit of providing patient-driven affordable healthcare that focuses on accessibility, accountability, and affordability to her patients.  She not only offers membership options to her patients but also à la carte direct primary care services. 

In 2013 Dr. Riggs opened Direct Medical Care and has never looked back.  She is more passionate today about delivering patient-driven affordable healthcare than she was when she opened over five years ago.