2014 Humana Group Plans – Seminar

November 21, 2013

Join Blair Farwell, RHU, RBEC in learning about the 2014 Humana Group Portfolio.

TOPICS:

  • Now that we are on the eve of 2014, where does Resource Brokerage see the Group Health Market going in 2014?
  • See how Humana interpreted and applied the ACA requirements into the 2014 Small Group Medical Portfolio.
  • Review the new 2014 plan designs: PPO, HMO and HDHP.  How and why have they changed?
  • Learn how Humana is positioning themselves to remain competitive in 2014 with pricing and plan designs.
  • Learn how the Affordable Care Act affected the Vitality Program (Humana Wellness) allowing double digit MEMBER LEVEL discounting off the new Guarantee Issue ACA premiums.

SEMINAR:
Very Limited Seating!

Tuesday, December 10, 2013 1:00pm to 2:30pm

Schaumburg Corporate Conference Center Room A,B,C 1501 E. Woodfield Road Schaumburg, IL 60173 Directions
To RSVP Contact Gina Ignarski at 847-598-0006 or gignarski@resourcebrokerage.com

View the full invitation

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Legislative Update: The Next Steps

November 15, 2013

On November 14th, President Obama made an announcement that all
NON-GRANDFATHERED POLICIES that are being canceled as a result of the Affordable Care Act would get a one-year extension and in fact WOULD NOT be canceled as of 12/31/2013.

We have already been in touch with all our carriers. The carriers are aware of the development and are eagerly awaiting the formal regulations that will provide them the exact rules/regulations in order to be able to administer the new changes.

Read the Full Update


The SHOP Exchange (electronic enrollment) is delayed!!!

September 27, 2013

The U.S. Department of Health Human Services (HHS) is pushing the launch of the federal small-group public exchange Web enrollment system back to November.

The delay in the Small Business Health Options Program (SHOP) online enrollment system start affects only the states in which HHS will be running federally facilitated exchanges (FFEs).

Read the complete article


Legislative Update – Marketplace (Exchange) Broker Training

August 2, 2013

The first of the required agent modules have been posted to the HHS website today!

We’ve been receiving a number of calls as brokers try to work through the registration process so we have put together this quick 3 min training video to walk you through the process.

Click here to watch the training video, and then click here to go through the actual registration process.


Sales Idea – Filling The Void

May 6, 2013

I don’t know of anything more exciting that traveling – new countries, new customs, new friends. We all know clients taking that dream vacation, or traveling through Europe after graduation, or honeymooning in exotic places. The last thing on their minds is medical insurance.

Sudden illness or accidents in an unfamiliar environment can be scary and pricy. Unfortunately, many consumers do not understand the limitations and many times complications of trying to use domestic coverage at times of international claims! That’s why short-term travel medical insurance gives your clients peace of mind. Deal with a carrier Premiums are reasonably priced for comprehensive coverage.

Short term travel insurance can be purchased in daily or monthly rates, for a minimum of ten days to two years. Plan deductibles for individuals and dependents can range from $0 to $2500 and benefit maximums from $50,000 to $2,000,000. It is important to note that these policies do not cover pre-existing conditions.

There are available plans for US and non-US citizens traveling out of their home country. So visit our website at http://www.resourcebrokerage.com for available plan outlines or call us at 847-598-6006 for further information.


Sales Idea – Round Out Your Plan Offering

April 29, 2013

Dental, Vision and Hearing plans are affordable compliments to the medical coverage your clients buy.

Many people object to having to use network dentists because their dentist chooses not to join any networks. Or, members who want an insured vision plan but instead are only offered a discount program from their individual health insurance plan? Or for your senior market clients offering insured dental, vision and hearing for the services which Medicare and their Medicare Supplement do not cover.

Our fully insured, indemnity dental/vision/hearing products can cover the dental vision hearing care of your clients, ages 18 through 85, with no underwriting, at surprisingly affordable prices and attractive commissions to you. You would be surprised how many people buy the coverage once they are made aware it is available—particularly Medicare Supplement enrollees. We have many brokers who offer these stand alone programs side by side as part of every individual medical enrollment and Medicare Supplement sales presentation.

Call us today at 847-598-6006 or visit our website at http://www.resourcebrokerage.com for the complete product reviews. On your next appointment you’ll have the tools to present your clients with a healthcare portfolio customized for their needs!


Sales Idea – Temporary Policies with Group Submissions

April 17, 2013

When you’ve submitted a Group Medical case and have employees that are in their waiting period that are ineligible as of the effective date, don’t forget that you can write a temporary policy through our Individual Major Medical Department.

This is often forgotten or not offered to new hires that are coming from an old employer, someone who doesn’t have insurance at all, or has a loss of coverage through another channel. This is a way to fill the gap for the new hire so they are eligible for coverage just like all the other employees that are insured as of the effective date of the Group policy.

Please feel free to call our office; and we’ll be more than happy to get started with your New Business quotes. I look forward to speaking with you soon!