MMA Chiropractors’ Post

Business Owners: How many exceptional employees are you missing out on without even realizing it? During a recent open enrollment service, one of the company's newest employees revealed a game-changing insight. After looking at multiple job opportunities, he selected this company over all of the others because they offered health insurance benefits. Ready to explore how enriching your employee benefits can make your business the top pick? Let's talk! Click the link below today to set up your FREE professional consultation and discover how you can elevate your company to draw in top-tier talent! 👉 https://lnkd.in/eVVnpzxc #insurance #employeebenefits #attention #urgentneed #hiringnow #insurancebroker

This is my collection (scrapbook?) of health insurance cards from 2021 to the present. These policies ranged from $400/month to $2000/month for family coverage. ◾Some are from job loss. ◾Some are through an employer, and some are from Marketplace/ACA. ◾Some are for COBRA. ◾Some were just for 1-2 months. ◾Some were new just because the calendar year changed over. ◾Some are because benefits didn't kick in right away. This is a both/and sentiment: I am both thankful that my current job offers strong benefits AND feel strongly that employment status should not be connected to the ability to obtain and pay for health insurance. P.S. I'm in the USA (as if you couldn't guess). P.P.S. The scheduler at my doctor's office gave me a little attitude when I didn't immediately remember the name of my current insurance carrier. You can see how that might happen. #healthcare #healthcarecoverage #marketplace #ACA #obamacare #healthinsurance

Recently, I met up with a senior management from my group client office. Reason for the meeting was to help with the settlement of follow up claims as he has just recovered from the operation and was quite weak to move around. Here are 4 things I learned from the meeting: 1. Relying solely on group medical insurance can be risky due to its limitations and potential gaps in coverage. 2. Group plans may not be tailored to individual needs, leaving some critical areas underinsured. 3. Coverage often ends when you leave your job, leaving you vulnerable during job transitions or for life. 4. Group plans may have high deductibles and out-of-pocket costs that can strain finances in case of major health issues. For these reasons, it's prudent to consider supplemental individual health insurance to ensure comprehensive, continuous, and personalized coverage. This proactive approach can safeguard your health and financial well-being in the long term. Do you depend solely on group insurance? #AIA #AIG #ChinaTaipingSG #AIACorporateSolutions #AIARegionalSolutions #RegionalEmployeeBenefitSpecialist #EmployeeBenefits #EmployeeEngagement #EmployeeWellBeing #Generalinsurance #RiskManagement

I spoke to a prospective employer today with between 20-50 employees. When their health insurance came up, here's what was discovered: They use a big national carrier They have gotten renewal increases the last 3 years between 6-9% per year. They have an MLR (medical loss ratio) consistently under 40% Their impression is that because of their size, their increase each year "is what it is." That's what their broker has told them...and I'm gonna call BULL! That's a red flag and a flat out lie. Don't commit your business and one of your biggest business expenses to a broker... Get an advisor who does more than quote you out and cash their commission checks. Novaura #NewDawnInBenefits #benefits #benefitsstrategy #employeebenefits #benefitsadvisor #advisor #ceo #cfo #hr #humanresources

Navigating unemployment? Don't let your healthcare coverage lapse! Facing a job layoff and interested in learning more about your health insurance options? Call me today! 920.305.7688 [email protected] #GatewayFinancialPartners #BenchOfLife #401k #rollover #financialplanning

Health insurance, 401(k) or other, dental insurance, paid leave, and vision insurance as the five most important benefits employers can offer. 7 out of 10 candidates consider these a must. #EdwardsConsulting #WorkplaceCulture #WeBuildHR #HumanResources #JobInterviews #HiringAndPromotion #JobSearch

“𝗛𝗼𝘄 𝗱𝗶𝘀𝗿𝘂𝗽𝘁𝗶𝘃𝗲 𝘄𝗶𝗹𝗹 𝘁𝗵𝗶𝘀 𝗰𝗵𝗮𝗻𝗴𝗲 𝗯𝗲 𝘁𝗼 𝗹𝗼𝘄𝗲𝗿 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝘀𝘁𝘀 𝗶𝗻 𝗺𝘆 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀?” While many of my clients quickly adopt the full “Insider Plan,” most of my clients don’t make disruptive changes. But there is one they have to make: hiring the right advisor to bring the right strategy and solutions. For some, this is easy. Others have very long relationships with really good people, but those folks just can’t bring the right plan and execution together to make it all work. 𝙒𝙝𝙖𝙩 𝙞𝙨 𝙩𝙝𝙚 𝙪𝙡𝙩𝙞𝙢𝙖𝙩𝙚 𝙘𝙤𝙨𝙩 𝙩𝙤 𝙮𝙤𝙪𝙧 𝙗𝙪𝙨𝙞𝙣𝙚𝙨𝙨, 𝙥𝙧𝙤𝙛𝙞𝙩𝙖𝙗𝙞𝙡𝙞𝙩𝙮, 𝙮𝙤𝙪𝙧 𝙚𝙢𝙥𝙡𝙤𝙮𝙚𝙚𝙨 𝙗𝙚𝙣𝙚𝙛𝙞𝙩𝙨 𝙖𝙣𝙙 𝙞𝙣𝙘𝙤𝙢𝙚𝙨, 𝙖𝙣𝙙 𝙩𝙝𝙚 𝙪𝙡𝙩𝙞𝙢𝙖𝙩𝙚 𝙫𝙖𝙡𝙪𝙖𝙩𝙞𝙤𝙣 𝙤𝙛 𝙮𝙤𝙪𝙧 𝙘𝙤𝙢𝙥𝙖𝙣𝙮? Link to full episode in the comments. #CEO #CFO #HR #humanresources #medical #medicalinsurance #healthinsurance #healthcare #employeebenefits #BenefitsInsider

I met with an employer last week and the HR Director told our team their company had changed health insurance carriers every year for the past 3 years. She was upset about it, and I don’t blame her… So why is changing health insurance carriers every year a bad thing? 🤔 👉 It can lead to disruption, potential loss of benefits, administrative burdens, limited leverage in negotiations, and potential for coverage gaps 👈 If you are an employer in a fully insured program finding yourself in the same situation, it may be time to reevaluate who you are partnering with… In the interim, here’s a few things you can do ⬇️ 1. Evaluate the feasibility of self-funding 2. Explore alternative plan designs 3. Implement cost containment strategies and consider nontraditional medical plans (captives, RBP, DPC, etc.) 4. Consider multi-year contracts #EmployeeBenefits #HealthInsurance #BenefitsConsultant

ICHRAs are great for employees and we're walking you through 8 reasons why we believe this to be true! Reason #4: ICHRA allows part-time employees to receive benefits. Here’s what you need to know: - ICHRA allows part-time and contract workers to access tailored insurance options. - No more compromising between job flexibility and health benefits. - Employers can now offer quality insurance, ensuring everyone gets the coverage they need. 💬 Let's revolutionize the workplace together! Share your thoughts on the benefits of ICHRAs for employees in the comments below! 👇 Ready to explore how ICHRA can benefit your team or have questions about implementing it? Reach out to us today! venteur.com #HealthBenefits #RemoteWork #EmployeeBenefits #ICHRA #HealthInsurance #Flexibility #VenteurInsights

The short answer is “yes”; however, in some circumstances, “caveat emptor” (buyer beware). 👇 For fully insured medical plans, if you want to switch your health plan prior to your renewal date, we encourage you to partner with your Health Insurance Agent/Broker, or PEO Agency, to: a) confirm that coverage has been approved by the new health insurance carrier; and b) try to provide as much advance notice of termination with your current medical insurance carrier to ensure a smooth termination process. For companies with 20+ full-time employees (2 or more employees in the State of California), you will also want to address COBRA coverage with the incoming #healthinsurance provider.    For partially, level, self-funded, or captive medical plans, THIS is where “caveat emptor” applies. Certain partially, level, self-funded, or captive #medicalplans have early termination clauses and/or penalties. We strongly encourage that you work with your Health Insurance Broker or #PEO Agency to review the terms and conditions of your partially, level, self-insured, or captive contract. Important note: a majority of level-funded plans will keep 100% of any claim surplus in the event of early termination. #HRtips #humanresources #employeebenefits #PEOAgency