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EBRM®
INTRODUCES
ZERO-PREMIUM
MEDICARE ADVANTAGE PROGRAM
FROM HealthSpring, a CIGNA COMPANY
Diversify your product portfolio and expand your book of business in the fastest growing age demographic in the country: Seniors age 65 and over.
EBRM strongly recommends you consider the cost-effective Zero-Premium product from HealthSpring for your senior clients who reside in Cook, DuPage, Kane and Will Counties.
Register today for the Wednesday, October 17th seminar, as space is limited for this mandatory HealthSpring Medicare Advantage training program. You must attend this training session as well as complete the AHIP Medicare Advantage online training to become certified to market the HealthSpring Medicare Advantage product.
The $100 AHIP fee will be reimbursed to you if you sell 10 policies during the Open Enrollment period.
Protect Yourself with BCS
Errors & Omissions Insurance Coverage
EBRM Offers Guaranteed Issue with Group Discount
A new BCS Errors & Omissions policy, available only to authorized agents of EBRM, is a guaranteed issue insurance plan that features group discounted premiums with two coverage options: individual and agency. Among the plan features is first dollar defense costs and prior acts coverage back to first date of continuous E&O coverage.
“When EBRM notified me that they would be offering E&O coverage, I checked it out and found the plan to be very well priced, below what I had previously been paying,” explains broker John Cassano of John Cassano & Associates of West Chicago. “It was easy to apply for and, just like everything else EBRM does, ended up as a ‘win-win’ for me.”
This Errors & Omissions plan, offered to any EBRM broker with a valid BCBS contract, features a $1,000 deductible on BCBS product-related claims for damages only, and a $2,500 deductible for non-BCBS claims for damages only. Prices start as low as $39.17 per month.
E&O coverage is provided for the sales and servicing of life, accident and health, disability income products as well as mutual funds, variable products, universal life, annuities and section 125, employee benefits plan and self-funding managed health care organizations. For individual policies, coverage extends to administrative, clerical and support personnel while they are acting on your behalf.
Patient Protection and Affordable Care Act (PPACA)
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.
As health care reform continues to be defined by the Obama Administration, the issues surrounding Grandfathered Plans is heating up. What are these Grandfathered Plans? What tax reform changes apply to these plans? How can you make sure to keep a Grandfathered Plan Status? The answers to these and a myriad of other questions were discussed in a FREE Webinar hosted by EBRM on August 5th 2010. A recording of that Webinar is now available here online.
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