Blog Employee Benefits, Health Insurance, Medicare, HR Outsourcing - By "Butch Zemar"

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Aug 25, 2014

Understanding Medicare and Medicare Supplement

While on the surface Medicare seems confusing, dealing with a good insurance broker can simplify it for you. Medicare is the healthcare system for Americans over age 65 or those who qualify for the program under social security disability. Medicare p...

Aug 25, 2014

Aetna and Humana Canceling Health Plans At The End Of the Year

Do you remember the President while speaking at at Town Hall meeting on August 11, 2009 saying “if you like your health care plan, you can keep your health care plan? Also in June of 2012, if you are one of the Americans who have health insurance, yo...

Aug 23, 2014

The Return of the Death Spiral...

When I first got into the insurance business, I heard about what they called the Death Spiral. Basically, what it was, was the insurance company having a pool of people with insurance. Some get sick the cost of that pool goes up. It is based on th...

Aug 21, 2014

Humana Canceling Non-Grandfathered Plans At The End Of The Year

I always like to go back to the President’s words, “If you like your health plan, you can keep your health plan.” Except here is the problem.. You cannot! All plans written before March 23rd 2010 we considered grandfathered, and those you can still...

Aug 19, 2014

Video: What triggers a Special Election Period under the ACA

Under the Affordable Care Act, you cannot purchase a major medical policy for the year 2014 after March 31, unless you qualify for a SPECIAL ELECTION PERIOD. The video will tell you how you can qualify. Eric Wilson www.isel...

Jul 31, 2014

Video: Small Businesses Need to Review Their Employee Benefits

Video: Small Businesses Need to Review Their Employee Benefits This video is about Small Businesses Need to Review Their Employee Benefits soon. Call and schedule a review today! 888-535-3006 EliteBenefits.net BZ

Jul 28, 2014

Video: The Affordable Care Act.. Back in Court

Within the last 30 days there have been two major cases with the Affordable Care Act. Eric Wilson isellhealth.com

Jul 28, 2014

Obamacare Might Take A Turn For The Worse?

Last week, two court rulings about the wording of the health care law may change the face of “Obamacare”. The case revolves around four words of the Affordable Care Act, which says the tax credits are available to people who enroll through an exchan...

Jul 25, 2014

Is The Affordable Care Act Falling Apart?

This week a Washington, DC Federal Appeals Court ruled that Americans who reside in states which operate under the Federal Health Exchanges could not be granted subsidies to health insurance premiums. Currently thirty six states have opted to have t...

Jul 15, 2014

Hobby Lobby Sets Stage for Health Care Reform

The backlash of the Hobby Lobby ruling was quite interesting. Many people I know, on Facebook for example, started spitting out words that put down Hobby Lobby as a Christian based company or things that were false about the case itself. This could ...

Jun 30, 2014

Manufacturers Can Offer Benefits Without Costing an Arm or a Leg

Small manufacturers are starting to look at alternative options to supply benefits for their employees. Some employers are afraid they will burden the cost themselves. However, persistent employers can find solutions and keep it affordable. ...

Jun 25, 2014

Where Employee Benefits and the Washington Redskins Trademark Cross Paths

Employee benefits are very important to people, just like trademarks are to companies. The media attention on the Washington Redskins for losing their trademark protection is huge. It is comparable to having employee benefits pulled out from under f...

Jun 11, 2014

Confusing Health Care and Health Insurance

The cost of healthcare is expensive in America. First we need to understand the difference between health care and health insurance. For some reason, these seem to be linked together as one, and they should not be. You receive health care services...

Jun 09, 2014

Health Reform Questions - Making Reinsurance Payments

Source: http://larrygrudzien.com/ Question: What is the process for paying the Transitional Reinsurance Fee for 2014? Answer: A form will be available via www. pay.gov where a contributing entity will provide basic company c...

Jun 05, 2014

Risking a Health Insurance Strategy the I.R.S. May Not Approve

By ROBB MANDELBAUM New York Times Rick Lindquist, president of Zane Benefits, which offers businesses an online claims reimbursement service. Credit Jeffrey D. Allred for The New York Times When it came time to renew his company's health pla...

May 28, 2014

Employer Health Care Arrangements

http://www.irs.gov/uac/Newsroom/Employer-Health-Care-Arrangements Q1. What are the consequences to the employer if the employer does not establish a health insurance plan for its own employees, but reimburses those employees for ...

May 13, 2014

A New Approach to Employee Benefits, But in Steps

Photo Source: comparecards.com Some employers have been with the same insurance agent for years. The employers are either complacent and really trust their insurance broker or consultant, or they do not want to “rock the boat” on the ...

May 08, 2014

Health Reform - COBRA Coverage and Enrollment in Marketplace Coverage

Question: If someone voluntarily disenrolls in COBRA during open enrollment, are they eligible for subsidies in the Individual Marketplace? Answer: During Marketplace open enrollment, a person can voluntarily drop their COBRA coverage and...

Apr 29, 2014

Coming Out Ahead When Losing Your Ability To Earn An Income

Nobody wants his or her income to be taken away. If we had total control over our future, like a crystal ball, we would never worry about money vaporizing one day. One in three people will lose their ability to earn an income prior to the age of 65....

Apr 28, 2014

Health Reform Questions - Out-of-Pocket Limits for 2015

Question: What is the out-of pocket limits for 2015? Answer: For 2015, please be aware that there will two different out-of-pocket limits. Overall Out-of-Pocket Limits: There is an overall cost-sharing limitation to all non-gran...

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