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FALL 2014 - EBRM® HOSTS

OBAMACARE COACHING SESSION 

Through this Obamacare Coaching Session, EBRM will train you on new product information, renewal guidelines, open enrollment, small group ACA products and alternative options including small group self-funding and HRAs. 

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Early reservations are suggested.



How to Advise Your Individual Plan Customers 
What to advise your clients ….? Look no further than the recently posted CEO Corner, where EBRM’s Jeff Kubik shares four recommendations to brokers on how to effectively market and service their Individual Health Insurance clients.

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Obamacare Coaching Session - Now Online

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Looking to learn what to tell your clients about the impending Obamacare legislation? EBRM will show you how to maintain and increase your book of business without wasting time and money.

View Obamacare Coaching Session Seminar Online

 


  Be sure to read EBRM®’s timely

CEO's Corner article



Important Notice Regarding BCS

 Insurance Company’s Errors and

 Omissions Coverage

    

EBRM is no longer sponsoring the BCS Errors and Omissions program.

Several months ago, without notice to EBRM, BCS Insurance Company began offering the same product In Illinois at a more favorable rate.

This conduct is in total contradiction to EBRM’s long standing principle that EBRM brokers have “most favored nation status” in all of our dealings.

Again, EBRM is no longer sponsoring BCS insurance company’s Errors and Omissions program.

If you wish to continue your liability coverage with BCS, please contact them directly for more equitable pricing.


Actual Impact of
Patient Protection and Affordable Care Act (PPACA)


PPACA AND CHILD ONLY POLICIES

The impact of PPACA is being felt by businesses large and small as the new regulations have left your clients with fewer health insurance choices and significantly higher health insurance rates.

The most current example of how PPACA is influencing health insurance coverage is the loss of affordable child only policies in the state of Illinois.

Health insurance carriers have been advised the PPACA Law requires that any insurance company which offers affordable stand alone children’s health care polices will be required to issue these policies regardless of the child’s health. This is the equivalent of the Federal Government requiring auto insures to insure new drivers retroactively after they crash their car.

Every major health insurance carrier in the state is withdrawing their Child Only policies from the market. Any carrier that remains or re-enters the Child Only market will do so with a substantially more costly product.

In essence, PPACA has destroyed this affordable product for families to cover their children.

It is important that your clients be informed of the true consequences of this ill-conceived legislation.




New Products Questionnaire

Please log in and complete EBRM® New Product Survey.

Expand Your Business...

Providing individual and Group health insurance will increase revenue and customer loyalty.

Go to our Online Training section for tips on how to read a quote, what carriers are available, how to structure rates and more.

 
The EBRM® Difference 

EBRM’s® high-tech, high-touch approach gives brokers instant expertise in complex health insurance lines. Now, more than ever, you need an Expert in Your Corner, Not a General Agent in Your Pocket.

EBRM brings nearly 30 years in experience to each of our Broker relationships. Our highly trained staff and sophisticated support services are available at no cost to you.

 

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Insurance carrier links

BlueCross BlueShield of Illinois
 
Humana
 UniCare      Trustmark      Starmark     TheStandard