Brokers Health Insurance Newsletter
Managing General Agent for Individual, Group & Senior Products March 2008
In This Issue
Visit exotic locations with Brokers Health
Basketball Ticket Winners
Delphi Card - Group Medical
WMAHU - Agent Alliance
ATTENTION Senior Agents
American Community Field Bulletins
Online Health Quote
Assurant Health Communications
March Tips
BASKETBALL TICKETS
Visit exotic locations with Brokers Health! 
tropical photo
 
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 2009
 
SIGN UP TODAY - We're leaving sooner than you think!

Quick Links
:: info@brokershealth.com
Basketball Ticket Winners! 
MSU Logo
Brokers Health has giving away college basketball tickets to those who enter our weekly drawings.  We've had dozens of winners, thank you to those who have entered and don't foget our football ticket drawings start in August.
 
Brokers Health is number one on Google when searching for brokers health for a number of reasons.  In addition to our regularly updated, informational website, we broadcast helpful emails like this to thousands of agents and brokers.  If you have news you would like added to either of these, please let us know.
 
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.
 
Group Medical Savings with the Delphi Card
AGENTS:
  • Are your group renewals going up?
  • Do you want to save !5%?
  • Have you heard of the Delphi Card?
  • Great Commissions available.

Contact the Brokers Health Team today for more information on how agents can benefit from this revolutionary new product.

Agent Alliance 
WMAHU - Agent Alliance 
At the 2008 West Michigan AHU Conference and Expo March 5th at the DeVos Place in Grand Rapids Michigan can you not only receive information on the hottest new products in the industry, but you will also have an opportunity to take CE classes, network with industry professionals and register for a chance to win a trip to Las Vegas!
 
Important MyBlue Changes 
Important Changes to MyBlue Underwriting
These underwriting changes are effective for all MyBlue contracts received January 1, 2008 and after.  Applications received prior to that date are subject to previous underwriting guidelines.  Contact us for more clarification on:
  • Pre-Existing Condition Exclusions
  • Whose birth date can be used to calculate a rate?
  • Group Conversion Dependent Eligibility
  • Individual Dependent Eligibility
  • Dependent Cancellation
  • Young Adult Blue
Brokers Health is your senior products expert! 
ATTENTION INDEPENDENT MEDICARE SUPPLEMENT & MEDICARE ADVANTAGE PRODUCERS 
 
WANTED Looking for the seasoned, self motivated, and disciplined Professional Insurance Agents!!!
  • Brand New Companies
  • Top Contracts
  • Top Rated Carriers
  • Trips, Bonuses, Incentives
Please contact Brokers Health Insurance Services, 800-782-8190 or email: Bev@BrokersHealth.com
American Community Field Bulletins AC logo
American Community has been busy updating agents and brokers - In case you missed some important ones:
  • New Capability For Coordination of Benefits on Prescription Claims
    • States:  All
    • American Community now has the capability to perform Coordination of Benefits on prescription drug claims for all our members who have additional prescription drug coverage with another carrier.
  • New Online Quoting and Application Tool 
    • States:  Arizona, Iowa, Nebraska 
    • For Effective Dates Beginning April 1, 2008 - Rates have been adjusted on Medalist II, Next Generation HSA, Triple Tier and Community Preferred new business.
  • Individual New Business Rate Adjustments 
    • State:  Michigan
    • We've revised the group employer application for groups of 2-50 employees.
  • Employer Application Revised 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, 2008, overall rates are decreasing on Individual Next Generation HSA new business in Ohio.  Quote and see how these rate reductions will help 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.
Please call or email us for more information.
 
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.

CLICK HERE to see this quoting engine now.
Assurant Health logo 
Assurant Health
Individual Medical Product Change Communications
 
Effective February 1, 2008 in Michigan
  • Lower Rates on OneDeductible and SaveRight HSA
  • Insurance for Hard-to-insure
  • New Business
  • Improvements to Pre-ex Limitation
  • Co-pay Option AND Premium Savings
  • Dental:  Enhanced Product
  • IMployee - Expand Your Book of Business
  • Network Update
  • Product News
  • Administrative Updates
  • Reminder:  2008 COLA
  • Important:  Software Download Update

For the full articles above, contact us today.

ASSURANT HEALTH AGENT - What would happen to your business if you were faced with a lawsuit?  Do you have the coverage you need to protect yourself and your business from even a threat of one?  Assurant Health, Affinity Insurance Services and Brokers Health invite you to learn more about a comprehensive and competitive Errors & Omissions program designed for agents of Assurant Health   Contact us for complete details and a link to Assurant's presentation.
 
Immediate Sales Opportunity!
Assurant brought back the 24-month guarantee plus included it with some additional deductible options.  The 24-month guarantee is automatically included with eligible plans at no additional cost.  Let Brokers Health know if you'd like more information.
 
March Tips:  4 ways to cut your medical bill 
  1. Try small lifestyle steps first
  2. Review all your medications
  3. Choose generic drugs
  4. Take medications as prescribed 

We at Brokers Health not only want to help our agents in any way we can, but we also care about you and your client's health!

ND Logo 
BASKETBALL TICKETS 
Brokers Health is now taking the last 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. MARCH MADNESS STARTS VERY SOON WITH BOTH Notre Dame and Michigan State vying for a NATIONAL CHAMPIONSHIP!  Stay tuned as Brokers Health may have tickets to the FINAL FOUR in San Antonio Texas.

Brokers Health Insurance | 415 Main Street | Saint Joseph | MI | 49085