Inside the Payer Files: How Third Horizon Is Exposing What Insurance Companies Really Pay with Greg Williams

What if the biggest lever for fixing addiction treatment reimbursement wasn't a new law, but a file most people are too afraid to open? This episode, recorded at NAATP Nationals 2026, features Greg Williams of Third Horizon, a health policy consultant, data strategist, and person in long-term recovery whose own insurance denial as a teenager set him on a career-long mission to fix how behavioral health is paid for. Greg joins hosts Mark Scrivner and Jeff Skillen to unpack how payer machine-readable files are exposing massive reimbursement gaps between mental health and physical health providers, why patient steerage and the No Surprises Act are reshaping the in-network conversation, and how value-based care is finally moving from theory to practice in addiction treatment. Behavioral health leaders will walk away with a clearer picture of where reimbursement is headed, and how to position their organizations before the market gets there first. Key Moments 03:17 – Greg's personal recovery story and the insurance denial that shaped his career 06:28 – The origin of the 2008 Mental Health Parity and Addiction Equity Act 09:32 – What payer machine-readable files are and why most providers have never opened one 21:52 – Greg's "Kayak for healthcare" vision — shopping for treatment based on value 27:04 – Breaking down the four tiers of value-based care in behavioral health 30:41 – Launching the National Mental Health Parity Index with the Kennedy Forum, AMA, and APA 38:57 – How the No Surprises Act and good faith estimates are shifting patient behavior 41:50 – Why the future of treatment means following patients for 5+ years, not 28 days Learn More & ConnectShow Notes + Resources: https://snapshotinteractive.com/mastermined  Connect with Greg Williams: https://www.linkedin.com/in/greg-d-williams/  | https://thirdhorizon.com/  Connect with Mark Scrivner: https://www.linkedin.com/in/markscrivner  | https://snapshot.agency/health  Connect with Jeff Skillen: https://www.linkedin.com/in/jeff-skillen-199507/  |  https://www.skillsetenterprises.com  Our Sponsor - Snapshot: https://snapshot.agency/health  Follow MasterMined: https://snapshotinteractive.com/mastermined  #MasterMinedPodcast #BehavioralHealth #MentalHealthParity #AddictionRecovery #PayerTransparency #ValueBasedCare