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March 2010TABLE OF CONTENTS
Medicare Advantage Update
by Leila Morris
A look at quality ratings and out-of-pocket spending trends in Medicare in the coming year.
Post-Enrollment HSA Education Keeps Client Relationships Strong
by Kristin Komen
As with the introduction of any new concept, the best approach it to take small steps when rolling out a consumer directed health plan with an HSA.
Optimizing Cash Reserves with
Combination UL/LTC Insurance
by Michael Burns and Michael Hamilton
Hybrid products, such as a universal life/long-term care insurance, offer otherwise self-insuring clients greater protection of personal assets.
Get It Together: A New Approach to Employee Benefits
by Tom O’Keefe
A new approach to employee benefits integrates products, simplifies administration, and offers flexible funding optionsToday’s Economy Creates an
Opportune Time for Voluntary Benefits
by Murray Todd
Show your clients how voluntary benefits can help ease their financial strain and allow their employees to fill some of the critical gaps in coverage created by today’s economy.
A New Link: Insurance Improves Oral Cancer Survivorship
by Patrice P. Bergman, CEBS
Given the positive impact the new technology may have in raising cancer survival rates and reducing cost of health care, producers seeking to add value to their clients’ benefits package should include oral cancer screening as a benefit differentiator.Fun In the Rain At Vision Benefits Event in Orlando
by Leila Morris
Nearly 170 vision-plan reps and brokers gathered for the annual Transitions Academy at the Disney resort Orlando for few a rainy days from Jan. 31 to Feb. 2
Long Term Care Update
by Leila Morris
Industry trends and the latest resources for LTC worksite sales.A Medical Masterpiece:
Brushing Up on PPOs
with Our Annual Survey
For this survey, eight PPOs in California diligently answered direct questions about their plans. Our readers, who are savvy health brokers, suggested many of the questions. We hope this information will help the professional agent or broker better serve sophisticated healthcare clients.A New Wave In Disability Insurance Claims
by Gerald “Gerry” Katz, MSPA, RHU, ALHC, DABDA, FACFE
For an insurance company to claim that “appropriate care” mandates surgery is not only absurd, but is also an invasion of the most cherished of all our rights.How Life Producers Can Benefit From Cross-Selling
By Justin M. Jurs
Like salespeople in other industries, life insurance producers tend to sell products they know, understand and are comfortable with. What happens, of course, is that they leave other opportunities on the table.