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The Medical Loss Ratio (MLR) has put health insurance agents through the ringer with their strict ruling of including agent commissions in the MLR. Third and fourth quarter of twenty-ten, advocates and lobbyist went to bat for the health insurance a...
On March 21, with an overwhelming vote of 79-20, the Senate Democrats voted to repeal the 2.3 percent sales tax on medical devices such as catheters, pacemakers and MRI machines. This was intended to help finance coverage for the uninsured that star...
Check out our new e-book, A small Business Guide to Income Replacement for Sick Business Owners: http://bit.ly/12TbWIc Get your copy today! Thank you, Butch Zemar
Businesses, individuals and families are even more confused about where they can buy health insurance come 2014. Some think they have to buy inside the exchange. This is simply not the case. So what do you do? Get informed! The exchanges wer...
Be aware of the Requirements for employers for Obamacare. Here are a few for employers: Fewer than 50 employees - no big obligations Maybe eligible for tax credit if under 25 employees and wages average less than 50,000 ann...
PCIP is changing things 10 months prior to the start date, January 1st, 2014, when Obamacare is fully implemented. Some have already put a spin on it saying they are winding the program down for 2014. If you take a look at this source, according ...
Around the Chicago area, as well as many other parts of the country, we have recently seen a bigger spike in health insurance premiums than in the last 24 months or so on the individual market. There are many contributing factors as to why, but for ...
In most cases throughout my career as an insurance broker I have been opposed to short term health plans. I was opposed to them because if you got sick you could not renew them and you could put yourself in a bad situation. The only time I really e...
Here are some answers to some frequently asked questions regarding life insurance. The first question is always the most common and probably the most important as well. The question I get the most is How much do I need. While there is no perfect...
States Notify Health and Human Services ( HHS) if they will operate a Health exchange or default to the Federal Government Closing Medicare Drug Coverage Gap-reducing co-insurance from 100% 2010 to 25% in 2020 in addition to the 50% brand nam...
Life insurance goes beyond a transaction with a trusted insurance agent and a monthly cost. Many people in America buy life insurance. When they are approved, they stick the policy certificate in the filing cabinet and forget about it. Most of us, s...
For the last twenty-something years, many American's receive a life insurance benefit for working for an employer. Today, there is no loyalty or certainly to employment. One day you could be moving to another job, or unemployed, and the benefit you...
There is a lot of uncertainty for business owners with the end of the year only days away. Most of them are waiting for the people we voted into office to actually get off their butt and do something about the problems America is facing. Everything...
Due to what is called AG 38, now really is the best time to purchase Life Insurance. Due to the law going into effect on January 1 ( see below), rates with all carriers will be affected. AG 38 and Life Insurance Posted on October 30, 2012 by C...
We keep hearing our politicians talking about the “fiscal cliff” and not raising taxes on the middle class, and whether or not to raise taxes on the top 2% of earners in the United States. What we are not hearing as that the middle class and the top...
Effective January 1, 2013, the following changes to Medicare take effect… Part A deductible will be $1184. This reflects an increase in deductible of 2.4% from the 2012 deductible of $1156. Part B deductible will be $147.00 this is up $7 f...
Watch the Video: Insurance agents can be lazy bums that sit behind a desk, forget answering the phone and actually doing something. If your agent isn't servicing you, find a new insurance agent. Butch Zemar www.EliteBenefi...
Things happen at a moments notice. Take a look at the destruction of Hurricane Sandy. With certain things in life, we do not have a second chance. Everyday, people are so busy. They put things off that do not produce immediate pain. This decision...
Today is election day for the nation. Some are hoping for a change in office. Others are still hanging on for change with the current administration. The truth is, whoever is in office, taxes have to go up. The real question is: Are you prepared?...
As the annual enrollment period has begun, it is a good time to review the differences between Original Medicare, Medicare Supplements and Medicare Advantage. Let’s start with Original Medicare. This is a plan by the Federal Government for people 6...
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