Visit Mexico with Brokers Health
Sun drenched beaches await qualifying agents for a week of fun with Brokers Health! Airfare on American Airlines, accommodations by Hyatt Hotels, transfers, breakfast and dinner with drinks included!
YOU CAN QUALIFY FOR OUR TRIP AND for American Community, Assurant, World and Colonial Life's trip.
Brokers Health is the only brokerage where you can earn double credit.
January 2-9, 2008
SIGN UP TODAY - We're leaving soon! |
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Football Ticket Winners!
Brokers Health has given away college football tickets to those who enter our weekly drawings. Winners include:
A. Pawieiski
G. Stewert
K. Page
R. Chiesa
J. Siggers
A. Street
J. Rule
R. Brandt
D. Clark
B. German
J. Young
Michael C.
Kelsey
Vinnie H.
Sam
Rachael K.
Josh E.
Michael
Andy
Matt F.
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| 'Tis the season for holiday celebrations and the season's good cheer. At Brokers Health we invite agents and brokers to join us each year for a party to help Toys for Tots. For more details, download the invitation. We hope you can join us for a cup of holiday cheer - and have a safe and prosperous 2008.
Brokers Health values your privacy so we will never share your email address with anyone. Contact us anytime with any questions, comments or ideas you may have - Thank you. |
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FREE CE credits
Brokers Health will be offering a free TWO (2) CE credit seminar entitled Health Savings Account:
- Date: December 12th
- Check in: 8:30
- Class: 9-11am
- Location: Brokers Health Insurance offices
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Health Savings Accounts
Pay medical expenses with pre-tax dollars. Save for retirement.
A Health Savings Account (HSA) is a smart alternative to conventional coverage. Available to any individual, family, or employer group with a qualified high deductible health insurance plan, an HSA provides significant tax benefits:
- Contributions to your HSA can be deducted from your taxable income
- HSA funds accumulate tax-free
- You pay no tax on withdrawals for qualified medical expenses
An HSA is fully portable and yours to keep. Unused HSA funds roll over from year to year.
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A December Sales Tip
from World Insurance
It's no suprise to anyone that health care costs continue to rise - as do insurance premiums. Many small employers today are finding it more difficult to continue providing health insurance benefits for their employees.
Brokers Health Insurance can help you show employers AND employees the benefits of group and HSA's. Ask us how we can help YOU the agent with your sales.
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PPOM Network is now Cofinity
Aetna recently announced a new brand name for PPOM - Cofinity. The name and logo will be used for the organization previously known as PPOM. The transition to Cofinity will take place over approximately fifteen months.
There will be no immediate changes to member cards; therefore insureds should continue to use their existing ID cards. Once new ID cards are issued, you'll be notified prior to mailing to insureds.
While Cofinity is a new brand name, the same quality network with competitive savings will not change. For more information visit: Cofinity.net
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BASKETBALL TICKETS
Brokers Health is now taking entries for our weekly basketball ticket drawing for:
Send us an email to enter or be automatically entered for every piece of business you write. THERE ARE GREAT GAMES AHEAD ON THE SCHEDULE!
Michigan State FOOTBALL BOWL GAME TICKETS also available for those who get entered! |
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HRA
The Perfect Product Fit for BCBSM High Deductible Plans
Did you know that Flexible Blue (FB) isn't just a HSA compatible product? Actually, FB 3 & 4 are priced perfectly to fit the creative product designs of the HRA. Of course, Community Blue 12, 14 & 15 are also priced very attractively for the same creativity. For those employers that are interested in taking some risk, the 50 to 99 employee self funded product adds product options beyond the standard small group menu. The most frequently asked for option is 0% coinsurance after the deductible to meet the competition.
To obtain a self funded quote, call Bev - (269) 983-0633. |
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Online Health Quote in Two Easy Steps!!
Brokers Health has added the functionality to our website to give visitors health insurance quotes in two easy steps. By filling in basic info and a personal profile - all industry best secured - numerous quotes are provided.
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APEP Choices coming soon for small groups
NEW affordable product offers variety and choice APEP Choices, coming soon from American Community, is a new health product for groups of 2-50 employees offering variety and choice! With 14 plan designs, many included benefits and several attractive options - including an optional Health Reimbursement Arrangement (HRA), your group clients will be able to meet their employees' health insurance needs with a plan best suited for their company's budget. Quoting for APEP Choices begins November 1, 2007 for effective dates beginning December 1, 2007.
Contact us today for more details on this plan, marketing materials and changes for American's Preferred Advantage Plan.
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American Community Field Bulletins 
American Community has been busy updating agents and brokers - In case you missed some important ones:
- Employer Application Revisd for Small Groups
- State: Michigan
- We've revised the group employer application for groups of 2-50 employees.
Individual Underwriting Policy - for Applicants 50 years and Older
- States: All
- Effective immediately, when an applicant 50 years or older applies for coverage with no evidence of health history within the past three to five years evidence of current coverage may be taken into consideration. American Community may postpone the underwriting decision pending the results of a paramedical examination and health screening
New Business Rates reduced in Ohio - Rates lowered on Individual Next Generation HSA
- State: Ohio
- For effective dates beginning January 1, 208, overall rates are decreasing on Individual Next Generation HSA new business in Ohio. Quote and see how these rate reductions will hlep you sell.
Rates Lowered on Popular Small Group Products
- State: Indiana
- The pricing for our popular group products just got better! For effective dates beginning January 1, 2008, we've lowered rates on APEP Choices™ and Next Generation HSA™ to help you sell quality health insurance to your group clients of 2-50 employees.
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NEW Real Choice Product
from Assurant Health/Time Insurance:
We have two new plans, Real Choices III that will let you offer competitive rates to groups that have no coverage or cannot afford what they have and also the new HRA wtih a $2000/$4000 deductible and 100% coinsurance, 1st dollar preventive $800, 20/50 copay and a $0 deductible 20/50/70 Rx card. This gives the employee a high deductible health plan with 1st dollar benefits and saves the employer 30%+ on the premium. PLUS! Free setup and monthly administration. *(employees must be responsible for 50% of coinsurance).
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