Winning Broker of the Year
Last week, I was named “Broker of the Year” by Benefits PRO magazine, a leading publication in our industry. Words can’t express how excited and proud I was to receive this award from such a prestigious publication. Thank you Benefits PRO.There were four other Finalists up for the ...
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Inattentional Blindness: Ya, it’s a real thing…
Inattentional Blindness: Ya, it's a real thing...Seeing is much more than a matter of simply opening our eyes. Have you ever just caught yourself “zoning out”? Not paying attention? It’s actually really shocking how much we DON’T see just from not paying ...
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Extended Release = Now we can charge 1000% more! The gamification of RX drugs.
Imagine this: The board of directors at Airwyyck, a company that makes plug in scented air fresheners, (not a real company, it's why I said "imagine") are all huddled around a very lengthy conference table listening to R&D's latest/greatest idea that will generate mountains of cash. We're ...
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The Shift Shapers Podcast: Josh talks about challenges small employers face in healthcare benefits.
Smaller employers, typically those under 50 employees, have long struggled to reign in healthcare/benefits costs in their companies. In the "small group" market (those under 50 employees) are in what we call the "Community Rated" market, meaning they are lumped in with thousands of other companies ...
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Filing 5500 and Stop-Loss Plan Asset Consideration [EMPLOYERS]
Important information to considerAre the stop loss premiums paid with participant contributions in this arrangement?Assessing whether stop loss is a “plan” benefitThe DOL has addressed this issue specifically twice—the last being DOL Adv. Op. 2015-05A. In that Adv. Op, ...
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What Will My Hernia Surgery Cost? [UPDATED 2022]
In 2019, I took on a new client in the construction industry that had about 90 employees at the time. They had struggled for years to manage their healthcare and benefits costs, always offering a very high deductible health plan. In fact, the individual deductible on their plan was $8,000 and the ...
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Treating Severe COVID At Home: Be Prepared
Just about a month ago, I began experiencing flu-like symptoms. Congestion, sinus pressure, headaches, etc., nothing serious. A couple of days later, my 11-year old son tested positive for COVID. It was a foregone conclusion that the entire house would come down with it, and we did. My ...
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