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    What the Mid-Terms Mean for the Health Insurance Debate

    December 21, 2018
    The 2018 mid-term election is over, and, as many expected, Democrats regained control of the House of Representatives. The incumbent party normally loses seats in the mid-terms, making the last two years of a President’s four-year term a bit more challenging than the first two. For the first time in the Trump presidency, there will be a divided congress. This means one of two things: 1) the two sides will work together and pass legislation on a bi-partisan basis, or 2) very little will get done from a legislative standpoint. Most are putting their money on the second option—there doesn’t seem to be much appetite for compromise inside the Beltway right now.
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    Do you create employee packets for your group clients?

    December 14, 2018
    These days, employee communication is more important than ever. Obviously, the government requires that certain information be communicated and notices be provided to employees, but, even without that requirement, it’s critically important that employees understand their benefits. If they don’t, they won’t appreciate them, and the employer will not get the return on investment he or she was hoping for by offering benefits in the first place.
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    Let Your Clients Do The Selling

    December 3, 2018
    Every agent likes getting referrals. They’re easier to sell—and certainly less expensive—than leads you buy online, and talking to someone who actually wants to talk to you is far more enjoyable than cold calling.
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    Short, Fun HSA Quiz

    November 29, 2018
    As premiums continue to increase, more and more people are purchasing plans with higher deductibles and no up-front copayments. Most of these plans are HSA-compatible, so we thought it might be fun to test your HSA knowledge. Below are five questions that you could get from clients relating to Health Savings Accounts. See how you do.
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    How much is a client worth?

    November 16, 2018
    Some larger firms that focus primarily on employee benefits will only work with clients that meet a minimum group size or annual revenue amount. Other brokers will spend hours with an individual client knowing that the commission they’ll receive will never fully compensate them for their time. Most brokers are somewhere in-between—they’ll accept most customers who want to do business with them, but they try to make a profit off every client.
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    Done for You! Client Email on Three Big Changes for 2019

    November 5, 2018
    A couple of months ago, we posted three “done for you” letters that you could copy and paste into an email to your small group, individual, and Medicare clients. Here’s another “done for you” email that you can send to your individual clients and prospects to let them know about three important changes for 2019.
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    Help Your Clients Save Money on Prescriptions

    November 2, 2018
    Prescriptions costs are skyrocketing. We all know that. But did you know that there are several ways for employees and individuals to save money on their monthly medications? Here are a few ideas that are worth sharing with your clients.
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    Are you using Outlook templates?

    October 26, 2018
    A great way to serve more clients during the open enrollment period is to reduce the amount of time you have to spend with each one. Unfortunately, that can be difficult to do without a corresponding reduction in service. Difficult, but not impossible. What if you could save time AND provide better service to your group and individual clients?
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    How to Find More Time During the Fourth Quarter

    October 19, 2018
    Here we are. Another fourth quarter. The busy time of the year. The three-or-so months when we have little time for friends or family, or anything else for that matter. Most agents work long hours from October through December, trying to take care of their existing clients and hoping to grow their business at the same time. Unfortunately, while the fourth quarter can be an exciting time, it can also be exhausting. Most of us find it difficult to get everything done, and naturally some things slip through the cracks. In this article, we wanted to share a few ideas to help you find more time during the fourth quarter. We hope you find a few that work for you.
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    The Medicare Advantage Open Enrollment Period Is Back!

    October 12, 2018
    If you sell Medicare Advantage and/or Medicare Part D plans, then you are no doubt familiar with the Annual Election Period (AEP), which starts October 15 and ends December 7. The AEP is sometimes referred to as the “Open Enrollment Period for Medicare Advantage and Medicare prescription drug coverage.” In fact, the Medicare.gov web page devoted to Medicare enrollment periods describes it this way.
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