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The Human Cost Of Insurance Denials

By September 30, 2025No Comments4 min read

New Podcast Episode Spotlights How Insurance Denials Put Patients And Providers At Risk

In the latest episode of Disruptors at Work: An Integrated Care Podcast, special host Dr. Cara English, Chief Executive Officer (CEO) and Chief Academic Officer (CAO) of Cummings Graduate Institute for Behavioral Health Studies (CGI), is joined by Dr. Heather Jelonek, CGI Doctor of Behavioral Health (DBH) graduate and Regional Director at McKesson, to unpack the growing impact of insurance claim denials on patient care. They discuss the challenges providers face, the shift toward value-based care, and how DBHs are uniquely prepared to bridge payer-provider gaps while keeping patients at the center of healthcare. Tune in to learn how integrated care leaders are reshaping the future of reimbursement and access.

Thank you to our subject matter experts:

      • Dr. Cara English, DBH
      • Dr. Heather Jelonek, DBH, LAC

About the Subject Matter Experts:

Dr. Cara English, DBH

Dr. Cara English, DBH is the Chief Executive Officer and Chief Academic Officer of Cummings Graduate Institute for Behavioral Health Studies (CGI) and Founder of Terra’s Tribe, a maternal mental health advocacy organization in Phoenix, Arizona. Dr. English spearheaded a perinatal behavioral health integration project at Willow Birth Center from 2016 to 2020 that received international acclaim through the publication of outcomes in the International Journal of Integrated Care. Dr. English served as Vice-President of the Postpartum Support International – Arizona Chapter Founding Board of Directors and co-chaired the Education and Legislative Advocacy Committees. She currently serves on the Maternal Mortality Review Program and the Maternal Health Taskforce for the State of Arizona. She served as one of three Arizonan 2020 Mom Nonprofit Policy Fellows in 2021. For her work to establish Cummings Graduate Institute for Behavioral Health Studies, Cara was awarded the Psyche Award from the Nicholas & Dorothy Cummings Foundation in 2018 and is more recently the recipient of the 2022 Sierra Tucson Compassion Recognition for her work to improve perinatal mental health integration in Arizona.

 

Dr. Heather Jelonek, DBH, LAC

Dr. Heather Leigh Jelonek was born and raised in the greater Chicagoland area. She completed her Bachelor’s Degree in Biology at the University of Illinois – Chicago before beginning her healthcare career at First Health Group Corp., where her passion for integrating healthcare began. As she rose within the ranks of the health insurance industry, she earned her Master Degree in Clinical Psychology at Benedictine University in Lisle Illinois. Heather holds professional licenses in the States of Illinois and Arizona as a Counselor specializing in childhood and adolescent behavioral health. Throughout her career, Dr. Jelonek struggled with closing the mental health gap with the healthcare industry and viewed this obstacle as the primary threat to the spiraling costs of healthcare. Her current role as Managing Director of Bright Health Care of Arizona created new opportunities to improve healthcare integration, improve outcomes and reduce costs from a trauma informed approach. During her studies at Cummings Graduate Institute, she was introduced to the ground breaking CDC/Kaiser Adverse Childhood Experiences study and the connection between the long-term medical costs associated and unaddressed childhood trauma. Dr. Jelonek currently resides in Phoenix, Arizona with her two furkids, Briony an English mastiff and Otto a blue heeler mix. She spends her free time hiking, gardening and challenging beliefs that mental health is different than medical health.

Testimonials

“As a member of the AAPI community, I’m very familiar with the barriers to mental health services and the need to break through the glass wall of cultural stigma that prevents many from receiving potentially life–saving treatment. I was the only Asian American person in my master’s cohort, the only Asian American person in many of my clinical work settings, the only Asian American person to walk into many of the professional settings that I pushed myself to show up to. In my current practice, I’m constantly reminded by my patients of how difficult it is to find an Asian American mental health provider, though this reminder constantly informs me that more needs to be done for my community. Day after day, I read stories of Asian American people who die by suicide as a consequence of our culture’s avoidance of mental health topics. As a DBH, my biggest goal is to use my expertise in whole–person care to amplify the conversation around mental health and help my community understand that mental healthcare is not a privilege that we are not entitled to, it is a crucial part of our healthcare that will manifest differently in us than what many Western psychology or psychiatry textbooks will describe, and that our unique experience of mental health issues are valid, important, and is time to be part of the larger conversation.”

Willam Chum, LMHCDBH Candidate, Cummings Graduate Institute for Behavioral Health Studies - September 16, 2022

“The Doctor in Behavioral Health (DBH) program has changed my understanding of the subject and career path. Before this academic journey, my knowledge of behavioral health was primarily theoretical, including essential ideas and methods. However, the DBH curriculum combined intense academic research with practical application, helping me understand behavioral health from multiple angles. Recognizing mental health as part of total health changed my perspective. The biopsychosocial model, which showed how biological, psychological, and social variables affect mental health, was stressed in the DBH curriculum. This comprehensive approach made me realize how complex human behavior is and how important it is to address mental health issues. Effective interventions must target the individual’s surroundings, relationships, and life experiences, not just symptoms. The curriculum also gave me enhanced evidence-based practice training to execute successful solutions. Studies methods and data analysis classes improved my critical thinking and allowed me to evaluate and apply behavioral health studies. This gave me the confidence to contribute to the field’s knowledge base through practice and research.”

Dr. Rhea Hill, DBH, LPCDBH Alumna, Cummings Graduate Institute for Behavioral Health Studies - February 17, 2025

“This program will change how you present to the world, not just as a professional but as an individual. Understand this is work but the work is worth it and the journey is undeniably transformative. If you are seeking a doctorate for the title, this is not the program for you. If you are seeking a doctorate to interrupt and disrupt the course of healthcare, then this is the program for you. You won’t find a more supportive program with professors who are dedicated to your success and your education. This program is not about the regurgitation of information. It is about the appropriate applied application of knowledge and information to push forward and become an advocate for equitable and quality care for all.”

Brandy K. Biglow LMHC, CCTP, QSDBH Candidate, Cummings Graduate Institute for Behavioral Health Studies - February 5, 2024

“The Doctor of Behavioral Health (DBH) program has definitely transformed my understanding of behavioral health. Understanding the links between physical and mental health has taught how to make better treatment decisions. The DBH program has also given me insights that otherwise would not be possible and allows me to view individuals through a lens that I was previously ignorant of. This program has helped me grow into a more confident individual, provider, and parent.”

Cory H. Cannady, BCBA, LBADBH Candidate, Cummings Graduate Institute for Behavioral Health Studies - March 13, 2024

“The DBH program has reinforced my vision of viewing behavioral health (BH) as an integrated component of the healthcare system rather than a siloed service. As a practitioner in the focused BH realm of substance use disorder (SUD) treatment, I observe on a regular basis how identifying and serving SUD patients is often missed, ignored and stigmatized in primary healthcare, despite the fact that early intervention at these check-points often has the potential to intervene earlier and lessen the negative SUD outcomes frequently seen by the time a patient reaches specialty SUD services. Reinforcement received in my DBH program has motivated me to promote integration as a leader in my workplace and is a primary factor in considering the long-term trajectory of my individual career path.”

Kenneth L. Roberts, MPS, LPCC, LADCDBH Candidate, Cummings Graduate Institute for Behavioral Health Studies - November 5, 2024

“Graduating from the DBH program has influenced and enhanced my approach to addressing behavioral health challenges and making a difference in the field by preparing me to become a serious business owner. Through the DBH program, I understand now that becoming a business owner not only assists me in reaping the financial benefits of working for myself, but the program also offers me a sense of freedom to make a difference in an individual’s life.”

Dr. Rebecca K. Wright, DBH, LBA, BCBA, QBADBH Alumna, Cummings Graduate Institute for Behavioral Health Studies - December 18, 2024

“I have always wanted to pursue a higher degree but never found a program that met my needs. When I investigated the DBH program, I can honestly say I was excited. It was a program that would expand my knowledge in behavioral health but also how it relates to physical health. The philosophy of treating the whole person was exactly what I was looking for.”

Elizabeth Nekoloff, M.Ed., LPCC-S, NCCDBH Candidate, Cummings Graduate Institute for Behavioral Health Studies - January 16, 2025

“Prior to obtaining my DBH, I practiced behavioral health within the boundaries of behavior analysis. The DBH degree has given me the ability to broaden my scope of competence allowing me to provide a higher quality of care to my clients through a person-centered approach, while still staying within my scope of practice. I was in the beginning stages of opening my business when I enrolled in the DBH program which set my trajectory towards being a stronger leader. The program equipped me with essential healthcare leadership and entrepreneurial skills, allowing me to ensure high-quality services for my clients and foster a supportive work environment for our staff. It has also given me the confidence to expand my business and pursue other healthcare ventures, reaching a broader range of patients in need.”

Dr. Pauline Tolentino Pablo, DBH, BCBA, IBADBH Alumna, Cummings Graduate Institute for Behavioral Health Studies - January 21, 2025

“Although I have worked with many patients who have mental health diagnoses, or behaviors which make managing their medical diagnoses and day to day life difficult, the DBH program at CGI is broadening that knowledge and providing a deeper understanding of behavioral health and how best to help these individuals manage their health and improve their quality of life. This will allow me to provide and advocate for more meaningful and seamless integrated care, providing new tools for my intervention toolbox, and the confidence and skills to collaborate within and lead whole person focused interdisciplinary teams. I also anticipate building upon my knowledge as a nurse case manager and long time caregiver, as well as my personal passions and professional vision, learning about processes and operations, to be in position to start up and lead my own company one day, offering the services and care I know every person should have access to.”

Hollie Wilson, MSN, RN, CCMDBH Candidate, Cummings Graduate Institute for Behavioral Health Studies - February 11, 2025

“The DBH program will open opportunities for me to contribute to healthcare system innovation, particularly through trauma-informed care and integrated behavioral health settings. I will be better positioned to advocate for and implement holistic care models that improve health outcomes for underserved populations. Ultimately, this program will help me transition into higher-level roles, such as a director or consultant in behavioral health, where I can influence broader system changes and contribute to the future of healthcare delivery.”

DeKyn Rashad Peters, MPH-CHES,BSW/BA,APCDBH Candidate, Cummings Graduate Institute for Behavioral Health Studies - March 4, 2025

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