New Associate Position! Starting base salary $100,000/year (negotiable), bonuses, paid malpractice, health insurance, holidays, vacation, great hours and weekends off. https://lnkd.in/g3wh-fz4 #chiropractic #chiropractor #chiropractors #chiropractichealth #chiropracticcare #chiropracticjob #chiropractorsneeded #healthcarejobs #nationwide #frederickmd #frederickmdjobs #maryland #marylandjobs #mmachiropractors #staffingagency
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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
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Helping Texas companies increase 𝗽𝗿𝗼𝗳𝗶𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆 & 𝗲𝗺𝗽𝗹𝗼𝘆𝗲𝗲 𝗽𝗮𝘆 by fixing their health insurance plans.
“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
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Stop scrolling if you’re… An employee, founder, or business owner, or part of a team that has members all over the country. Part of a team that has a mix of part-time, seasonal, contract, temporary, and full-time workers. If you… Want to save money on health insurance or would love the option to have a customizable health insurance plan. Then having an ICHRA could be a great option for you! ICHRA stands for individual coverage health reimbursement arrangement, and it allows employers to provide health coverage for all of their employees, no matter if they’re part-time, full-time, contract, or temporary. It puts the decision-making back into the hands of employees and allows them to choose coverage that is right for their own personal situation. DM or reach out to us to learn more! #ichra #grouphealthinsurance #healthcarecoverage
Better Benefits for your Company
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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
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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
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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
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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
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You have a right to know why a health insurer denies you. Yet some still won't tell you. We're aiming to fix this. https://loom.ly/m8krh4Y #ProPublica #payers #health #insurance #algorithms
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We know that you wear many hats!🎩👒🧢 As bosses and business owners, you are pulled in a thousand different directions. That's why we work directly with HR & your health insurance broker to get the benefits & engagement your employees want and deserve! Call us today to learn more about how we can take some hats off your head.🤠📲 (845) 2-ENROLL #GEMenrollments #Hats #Benefits #EnrollmentServices
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Privileged to serve others | Looking for companies frustrated with healthcare and ready to make impactful changes
𝐘𝐨𝐮𝐫 𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐞𝐬 𝐡𝐚𝐯𝐞 𝐡𝐞𝐚𝐥𝐭𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐚𝐧𝐝 𝐒𝐓𝐈𝐋𝐋 𝐧𝐞𝐞𝐝 𝐬𝐡𝐨𝐫𝐭-𝐭𝐞𝐫𝐦 𝐥𝐨𝐚𝐧𝐬 𝐭𝐨 𝐜𝐨𝐯𝐞𝐫 𝐡𝐞𝐚𝐥𝐭𝐡 𝐜𝐨𝐬𝐭𝐬? (Image is an excerpt from a recent issue of CEO Magazine) This is sad and frustrating at the same time. Improved health insurance plans treat the cause...short term loans are like a band aid that only treats the symptom. Here are 3 things our clients are doing with remarkable results: ✔ Remove misaligned profit incentive of carriers & lower costs 20-40% - adding more profit to the corporate P&L ✔ Give incentives like waived out of pocket costs (ie- $0 copay & waived deductibles) if employees opt for best value providers (best cost/quality) ✔ Provide lower premiums and out-of-pocket costs to employees You CAN fix this for your company and employees, and we can help! (𝐋𝐞͏͏͏𝐚͏͏𝐫͏͏𝐧͏ ͏𝐦͏͏𝐨͏͏𝐫͏͏𝐞͏ ͏͏𝐚͏͏𝐭͏ ͏𝐭͏͏𝐡͏͏𝐞͏ ͏𝐥͏͏𝐢͏͏𝐧͏͏𝐤͏ ͏𝐢͏͏𝐧͏ ͏𝐜͏͏𝐨͏͏𝐦͏͏𝐦͏͏𝐞͏͏𝐧͏͏𝐭͏͏𝐬͏) #ceo #cfo #hr #humanresources #healthinsurance #health #medical #medicalinsurance #employeebenefits #benefits #groupbenefits
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