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Bekaert North America Forms Partnership with SelectQuote Benefit Solutions

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SelectQuote named retiree benefit provider for market leader’s U.S. operations.

(PRWEB) September 04, 2013

Belgium-based Bekaert’s North America operations has hired SelectQuote Benefit Solutions to offer its Medicare Exchange and SelectQuote Senior benefits to retirees from its U.S. operations.

Now, Bekaert North America’s U.S. retirees age 65 and older will have access to Medicare Supplement, Medicare Advantage and prescription drug plans through SelectQuote Senior. Through its Medicare exchange, SelectQuote Senior provides unbiased price comparisons from multiple insurance carriers to give Bekaert North America retirees the most competitive rates on health insurance plans.

“We value our employees, past and present, and want to continue to provide health care options for them,” said Bekaert North America Vice President of Human Resources, Marc Collins. “SelectQuote Senior enables us to provide options to our retirees, some even after their lifetime limits have been reached under standard health care coverage.”

Bekaert is a market leader in providing metal transformation and coatings, and is the world’s largest independent manufacturer of drawn steel wire products. It is globally headquartered in Belgium with North America U.S. operations in various states and Canada. Bekaert employs more than 1,500 people in the US and has a worldwide presence.

“Notable companies like Bekaert realize that SelectQuote Senior can enhance the benefits programs they already have in place,” said David Embry, President of SelectQuote Benefit Solutions. “We’re able to offer many options to seniors looking for additional coverage, or assurance that they’re receiving the best value within what can sometimes be a confusing marketplace.”

About SelectQuote Benefit Solutions: SelectQuote was founded in 1985 and has been an innovative and established leader in building and operating insurance exchanges for auto & home, term life and Medicare insurance products. Through its insurance exchanges, SelectQuote offers voluntary benefit programs that provide substantial cost savings to corporations, public sector employers, unions, associations and their employees, members or retirees. SelectQuote has delivered business solutions to companies and organizations such as Hallmark, VFW (Veterans of Foreign War) and Transamerica, resulting in more than 140,000 policies annually and 800,000 active customers. For more information visit SelectQuote Benefit Solutions online or connect via LinkedIn, Facebook or Twitter.

Contact:             
Jason Grill
816-695-8048    
jgrill(at)thevibrand(dot)com Reported by PRWeb 4 hours ago.

Indiana's health plan renewed for 2014

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Indiana has received a one-year extension of its consumer-driven health insurance program for the working poor. Reported by Journal Gazette 4 hours ago.

Experient Health Touts the Health Benefits of Yoga in Latest Edition in Living Well Blog Series

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The 5,000-year-old practice can improve overall health and wellbeing.

Richmond, VA (PRWEB) September 04, 2013

Yoga has been practiced for more than 5,000 years as a way to improve health and wellbeing, according to Experient Health in its latest edition in its Living Well Blog series.

“By uniting the mind, body and spirit, the health benefits of practicing yoga can be seen both physically and mentally,” Experient Health wrote.

Yoga is a science that consists of observations, principles and theories regarding the connection between the mind, body and spirit. It is physically, emotionally and mentally challenging.

“While this is true, it is a misconception that you need to be flexible and in good physical shape in order to practice yoga,” according to Experient Health. “Yoga will help you become more aware of your body’s patterns of movement, posture and alignment—increasing your flexibility and fitness level. Not only that, but yoga is also often used as a stress-management and relaxation technique.”

The benefits of yoga include flexibility, strength, posture and stress reduction.

Read more in Experient Health’s Living Well Blog series, which covers topics ranging from healthy recipes, conservation, vaccination seasons, exercise tips, healthcare news and more.

ABOUT EXPERIENT HEALTH:

For years, Experient Health, a Virginia Farm Bureau company, has helped people find the right insurance coverage and get the most for their health care dollars. The Richmond, Va.-based group is dedicated to providing high quality health insurance options to customers in Virginia, Maryland, and Washington DC. As a result, its consultants, with an average of more than 20 years experience, are intimately familiar with the states’ provider networks, products and regulations.

Representing the top national insurance carriers, Experient Health provides customers with multiple policy options designed to meet wellness needs and financial requirements.

Experient Health grew out of Virginia Farm Bureau and is a “hometown agency” in that it operates a network of more than 100 offices. However, it boasts the resources and technology of larger firms.

Consultants are available online, via phone and through their offices.

Learn more at http://www.experienthealth.com, utilize the online health insurance quote calculator or contact a consultant directly at 855.677.6580. Reported by PRWeb 2 hours ago.

SeniorQuote Expands Rapidly to Serve Growing Senior Population

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Company offers comparison service for reviewing Medicare Supplement and Advantage options for customers and plans to significantly increase staff to support growing senior healthcare market.

San Diego, CA (PRWEB) September 04, 2013

As the U.S. population of seniors soars with over 51 million people currently relying on Medicare, SeniorQuote Insurance Services has initiated a plan to significantly increase the size of its customer care team to support the growing need of seniors to find answers to healthcare questions. The company offers Medicare eligible seniors the ability to cross-shop multiple carriers for Medicare Supplement and Medicare Advantage Plans, with the support and guidance of an experienced team of insurance professionals.

“Seniors are looking for options for their Medicare Supplement and Advantage insurance plans,” said SeniorQuote Founder and CEO, William Haynor. “SeniorQuote is building a foundation for sustainable, consistent expansion to match the needs of the growing senior market. We are moving our headquarters because we plan to significantly expand our team in the next 12-months.”

SeniorQuote, founded in 2001, has more than doubled its team of licensed customer care agents since January of this year and offers comparison shopping services in over 25 states, including Ohio, Nevada, Florida and California. The company’s new headquarters in Sorrento Valley, California will give SeniorQuote the potential to further expand their experienced, licensed support staff, as well as their executive team.

Haynor, age 72, is a business leader with more than 40-years of experience in the insurance industry, including serving as one of the founders of SelectQuote Insurance Services. He founded SeniorQuote in response to his own experiences with Medicare and Medicare Supplement insurance. The company, which offers seniors the ability to comparison shop plan options from many of the nation’s leading insurance carriers, provides a call-in support center for its customers.

“My personal medical expenses could have threatened my family savings, had I not had proper Medicare Supplemental coverage,” continued Haynor. “I wanted to create a resource that seniors could trust in and rely on to help them explore and understand Medicare options. SeniorQuote is that resource.”

According to the U.S. Census Bureau, the population of U.S. seniors, those individuals over the age of 65, will double between 2013 and 2050, to 80 million. In 2013, Medicare provided health insurance to over 51 million Americans, with approximately 43 million people age 65 and older and eight million younger people with disabilities. With approximately 10,000 people turning 65 each day, it is estimated that as many as 20% of Americans will be eligible for Medicare by 2050.

About SeniorQuote Insurance Services, Inc.
SeniorQuote Insurance Services, Inc., headquartered in San Diego, California, is a Medicare Supplement and Advantage insurance agency founded for the singular purpose of helping seniors find the perfect insurance coverage for the second chapter of life. The company, founded by veteran insurance executive William Haynor, offers Medicare Supplement and Advantage products from several of the nation’s leading and most respected carriers, through a team of licensed, experienced, and highly trained customer associates. To learn more about the company and the carriers represented, please call 1-888-278-5126 or visit SeniorQuote.com. Reported by PRWeb 1 hour ago.

CDPHP Launches Weight Management Website

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Capital District Physicians' Health Plan, Inc. (CDPHP) has launched a new website called Weigh 2 Be that offers free tools and information to help people manage their weight.

Albany, NY (PRWEB) September 04, 2013

Losing weight is just a mouse click away thanks to a new weight management site by CDPHP. Weigh 2 Be combines the tools and information you need to lose weight safely and effectively, while offering the support and resources to live a healthy lifestyle.

The Weigh 2 Be site is free and open to the public. That means you do not need to be a CDPHP member to take advantage of many of the resources on the website, which include weight assessment tools, recipes, tips for parents, mobile apps, wellness support, and much more.

“We know that maintaining a healthy weight can prevent the onset of many health conditions, including diabetes, coronary disease, cancer, and more,” said Elizabeth Martin, director of population health and wellness, CDPHP. “As a community-based health plan, it is our responsibility to provide people with the tools they need to lead healthier lives. The Weigh 2 Be website does just that.”

For those who want to manage their weight on the go, the site includes free downloads to fitness and nutrition apps. CDPHP InMotion is a fitness tracking app that allows users to effortlessly track and save workouts to a personal profile. CaféWell is a social wellness tool that promotes goal-oriented activities to get fit, eat better, lower stress, and control weight.

While on the Weigh 2 Be site, users can link up to the CDPHP wellness calendar, which includes more than 300 classes designed to help people manage their weight and stay fit. From yoga to rock climbing, cooking to stress management, CDPHP members have access to a myriad of free health and wellness classes that cater to all ages and fitness levels.

About CDPHP®
Established in 1984, CDPHP is a physician-founded, member-focused and community-based not-for-profit health plan that offers high-quality affordable health insurance plans to members in 24 counties throughout New York. CDPHP is also on Facebook, Twitter, LinkedIn and Pinterest.

### Reported by PRWeb 1 hour ago.

Evidence in Motion Faculty Presenting at 2013 American Physical Therapy Association Private Practice Section Annual Conference in New Orleans

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Visit EIM Booth #232 to Enter to Win Prizes

Louisville, KY (PRWEB) September 04, 2013

Evidence in Motion (EIM) will have a large presence at the upcoming American Physical Therapy Association Private Practice Section Annual Conference in New Orleans. The conference, which will take place November 6-9, 2013, will feature presentations from nine EIM faculty members, including two members of the executive team. Dr. Larry Benz, DPT, MBA, OCS and Dr. John Childs, PT, PhD, MBA; the two will lead a course titled “What do patients really want?” In addition, the EIM booth will offer numerous giveaways throughout the four-day conference.

EIM will also host a reception for Executive Program graduates, faculty friends, and anyone interested in the Executive Program in Private Practice Management or the EIM Institute for Managerial Leadership course. The event will take place on Thursday, November 7th from 6:30 to 7:30 pm at the Hyatt Regency New Orleans in the Bolden 5 room.

EIM will be giving attendees an opportunity to win a prize after stopping by their booth (#232) during the conference. Any attendee inquiring about EIM programs will be entered to win one of the following:·     AmaZing! Customer Service Online, Self-paced Course (Worth 10 Contact hours and $199 Value)
·     Called to Care Online, Self-paced Course (Worth 11 Contact Hours and $249 Value)
·     One of Larry Benz’s favorite business books

Attendees of the conference are encouraged to stop by the EIM booth to fill out an information card or leave their business card to enter to win prizes. However, they must also ask a question about one of EIM’s programs to enter. Winners can pick up a voucher for their prize at the conference.

Physical Therapists interested in attending the PPS annual conference can call 877.332.5185 or email pps(at)letsmeet(dot)net

See below for a full list of EIM Faculty Presenters and Presentation Topics.

Thursday, November 7, 2013·     10:45am-12:15pm: Larry Benz, PT, DPT, MBA, OCS and John Childs, PT, PhD, MBA

What do patients really want?·     2:30-4pm Steve Anderson, PT, DPT

The Health Insurance Game... Taking Control

Friday, November 8, 2013·     8:30-9:30am: Mark Amir, PT, DPT, DipMDT, Exec Program Graduate

Navigating New Alignment Opportunities in an Era of Accountable Care·     8:30-9:30am: Brian Boyle, PT, DPT, Exec Program Graduate

How and Why Physical Therapy Practices Fail: The Inside Look·     8:30-9:30am: Tiffany Shubert, PT, MPT, PhD

Fall Risk Management·     8:30-11:30am: Lynn Steffes, PT, DPT

Administrators Certificate Program –Marketing·     3-5pm: Mike Danford, PT, DPT, OCS, MTC, Exec Program Graduate

Under The Hood of a Partnership--System Components to Enhance Success & Profitability·     3-5pm: Lynn Steffes, PT, DPT

Innovations in Building Better Brains: From the Board Room-Fitness Facilities!

Saturday, November 9, 2013·     10:30-11:30am: Jim Glinn, Jr., PT, DPT, OCS

Nothing of Value is Done Alone-Organizational Development the New Evidence

About Evidence In Motion (EIM):
Evidence in Motion (EIM) is an education and consultation company whose sole reason of existence is to elevate the physical therapy profession and the role of physical therapists in healthcare delivery. A strong dedication to fostering the creation and assimilation of an evidence-based practice culture within the physical therapy profession is a cornerstone of Evidence In Motion’s mission. They have put in place evidence-based practice treatment pathways in many facilities and aim to promote the global sharing of information and ideas, thus advancing evidence-based physical therapy practice, research and education around the world. Evidence In Motion offers Continuing Education, Residencies, Fellowship , a Post-Professional Musculoskeletal Transitional DPT, Manual Physical Therapy Certification, Sports Physical Therapy Certification, and an Executive Program in Private Practice Management with optional Transition DPT. For more information, please visit EvidenceInMotion.com. You can also find Evidence In Motion on Facebook and Twitter, @EIMTeam. Reported by PRWeb 29 minutes ago.

GutCheck Agile Research into Consumers and Health Insurance Reveal Two Core Issues Plague Industry – Cost and Trust

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GutCheck's on-demand research findings concluded that consumers continue to see affordability as key barrier to access to health insurance. Cost is prohibitive to people purchasing independent insurance – budgets cannot accommodate premium costs, while higher deductibles make people question the value of purchasing insurance at all.

Denver, CO (PRWEB) September 04, 2013

GutCheck, a leading on-demand research community platform, today released its first in a series of healthcare market research findings exploring the mind of consumers – their motivations, barriers to understanding and perceptions of quality healthcare.

GutCheck used its agile research methodology to research consumers and health insurance companies including consumer motivations for choosing an insurance provider, perceived pain-points and barriers to selection. The Instant Research Community (IRC) was comprised of 23 consumers (17 women and six men), and was followed by a quantitative online study comprised of 200 consumers to understand prevalence of the IRC insights. These two studies and executive summary were completed in five business days.

“There is no industry under more pressure and facing more change than healthcare. The industry dynamics created in part by the Affordable Care Act (ACA), or Obamacare as it is widely called, have resulted in uncertainty for just about every segment and sector of this broad category. And this sense of uncertainly is even more present in the consumer,” said Matt Warta, CEO and founder of GutCheck.

The GutCheck’s on-demand research community findings:

1.    Consumers are looking for a trustworthy, affordable option in healthcare.
Consumers are concerned about health insurance and it’s all about trust and affordability. Many on the research panel without current care were unemployed or employed part-time and cannot afford to add health insurance to their budgets. Others struggled with premium costs versus higher deductibles; and with understanding what is actually covered under a plan, or if they would even be eligible for coverage. When it came to choosing an insurance provider, the GutCheck consumer panel was looking for reassurance that an unexpected illness would not hurt them financially, and that the costs were worth the value of the coverage. Finally, they wanted expense transparency, an explanation of coverage, and a large network of doctors to allow them autonomy over their choice in hospitals and doctors. Panel commented included:

“Last year, my husband switched jobs. His new employer is a small company and does not offer health insurance. My employer’s health insurance plans are WAY too expensive. We have looked into buying private health insurance, but have not found a plan that is both affordable and offers good coverage.” – Female, 33, employed fulltime, uninsured

“The bottom line for me is how much is the yearly out of pocket maximum? Even with health insurance any illness could wipe out my savings, and probably will. I want to know what I’m liable for.” – Female, 64, self-employed, insured

2.    Cost was the most often cited pain-point, though confusing terms and jargon, as well as fear of poor coverage or denial of coverage, were also top barriers.
Most respondents cited their own bad experiences to justify a general distrust of healthcare insurance providers. Concerns with choosing providers nearly always stemmed from cost – either upfront costs, high deductibles, or costs associated with claims and coverage being denied. Additionally, distrust stemmed from confusing or convoluted terms and explanations of plans, or difficulty assessing benefits and exclusions.

A majority of respondents expressed the desire for insurance providers to make it easier for them to compare plans side by side, and to understand not only what was included with a plan, but also what was not covered. Nearly all respondents said they would like this information available online to more easily compare existing options.

“I want to know exactly what is covered and what is not. Most plans and insurers are purposely ambiguous on this and in fact you usually only find out when you’ve already received the medical care you required. That’s sickening and I don’t like this deceptive practice at all. Why can we not have clarity of what is covered? If I am to pay for something, should I now know exactly what it is I am paying for? I also want to know exactly how much my copay is, exactly how much the rates are for ‘fair and justifiable,’ so that I can insure I’m not getting screwed by the Dr. billing my insurance. This has happened to me repeatedly and I do not like it, nor do I deserve it. Health care needs to get this right!” – Male, 37, self-employed, insured

Health insurance cost was perceived as prohibitive to people purchasing independent insurance. They expressed concern that their budgets could not accommodate current premium costs, while higher deductibles had the GutCheck panel community questioning the value of purchasing insurance at all.

Respondents with pre-existing conditions expressed that they had few opportunities for coverage, leaving them frustrated with finding a trusted and reliable provider.

“It was difficult for me to find a plan because of my prior health issues. It wasn't a matter of me finding one that fit me. It was more like finding one that was ok with me. Finding a plan that would accept me that I could afford was a big hurdle for me. I had to go through a lot of plans before I found the one that was right for me.” – Female, 28, employed fulltime, insured

GutCheck followed the IRC panel with a survey of 207 healthcare consumers. These results (see GutCheck Agile Market Research Heathcare Charts attachment) reinforced the IRC findings by quantifying the prevalence of respondents concerned about the high cost associated with healthcare and feeling overwhelmed and confused by paperwork, options and plan outlines.

“This research into consumer sentiment about health insurance only begins to plumb the depth of issues and concerns consumers have with the spectrum of companies that touch their lives in the pursuit of quality, affordable healthcare,” said Warta. “A key takeaway from this research is that it’s not that complicated: When it comes to healthcare, consumers want affordability and trust.”

About GutCheck
GutCheck is an on-demand research community platform that provides real-time insights from specific customers with quality that is equivalent to or better than traditional research communities. Unlike these offerings that can challenge timelines and budgets, GutCheck’s advanced tools and efficient services deliver relevant feedback in days instead of weeks and 3 – 5x more research for the same budget. For more information: http://gutcheckit.com.

# # #
Media Contact:
Laura Taylor
Taylor Strategic Communications for GutCheck
taylor-laura(at)comcast(dot)net
(303) 346-9149 office
(720) 556-2640 mobile Reported by PRWeb 22 hours ago.

Zane Benefits Publishes New Information on Section 105 and 125 Plans

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Section 105 plans vs Section 125 plans - which are better in post-2014?

Park City, Utah (PRWEB) September 04, 2013

Today, Zane Benefits, the number one online small business health benefits solution, published new information on section 105 and 125 plans.

According to Zane Benefits’ website, as businesses plan their health benefits strategy for 2014 and beyond, many are looking for ways to incorporate advantages of the individual health insurance exchanges and the individual health insurance tax subsidies.

Naturally, the next question is how to do this in a tax free and compliant way... the answer is to use a 100% employer-funded Section 105 medical reimbursement plan, not a Section 125 cafeteria plan.
A Section 105 medical reimbursement plan allows businesses to reimburse an employee for medical and insurance expenses incurred by the employee or his or her dependents.

As explained further below, employees can use employer-funded Section 105 plans to reimburse the non-subsidized premium of their individually purchased, exchange-based plan.

A Section 125 plan, commonly referred to as a "cafeteria plan", is a benefit provided by an employer which allows an employee a choice between taxable salary and a non taxable benefit.

Common Section 125 plans:

Premium Only Plans
Premium Reimbursement Accounts
Flexible Spending Accounts (FSAs).

As explained further below, the Affordable Care Act (ACA) does not allow employees to use a Section 125 cafeteria plan to pre-tax an individually purchased, exchange-based plan.

Because employer-funded Section 105 medical reimbursement plans are allowed to reimburse for employees' individually purchased, exchange-based health insurance plans (and Section 125 plans are not), it's a no-brainer to use them as the base of a defined contribution health plan in 2014 and beyond.

Click here to read the full article.
--
About Zane Benefits
Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Software-as-a-Service) administration platform ("ZaneHRA") for Health Reimbursement Arrangements (HRAs) and defined contribution health care. The flagship software provides a 100% paperless administration experience to small businesses and insurance professionals that want to offer better health benefits without a traditional group health insurance plan at lower costs. For more information about ZaneHRA, visit http://www.zanebenefits.com. Reported by PRWeb 21 hours ago.

Virtual Doctors Help Men Avoid Rising Medical Health Insurance Deductibles With New, Male Orientated Doctor Health Service.

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Virtual doctors help men avoid rising medical health insurance deductibles with a new, male orientated doctor health service that helps to solve health concerns and problems before costly doctor visits or emergency visits are necessary. Online USA Doctors utilizes a comprehensive health quiz "My Online USA Doctor Health Quiz" that is a subjective review of the organ system and helps to correct underlying health conditions quickly and effectively.

Dallas, TX (PRWEB) September 04, 2013

Virtual doctors help men avoid rising medical health insurance deductibles with a new, male orientated doctor health service that helps to solve health concerns and problems before costly doctor visits or emergency visits are necessary. Online USA Doctors utilizes a comprehensive health quiz "My Online USA Doctor Health Quiz" that is a subjective review of the organ system and helps to correct underlying health conditions quickly and effectively.

According to Medical News Today, men skimp on badly-needed primary and emergency care as a result of switching to high-deductible medical health insurance plans, usually paid for by an employer. The result of this choice ensures that men accumulate even greater health care costs with time as minor medical problems become major ones. Choosing an insurance plan, for men, can sometimes be a life-changing matter.

A study in the August issue of Medical Care, published by Lippincott Williams and Wilkins of Wolters Kluwer Health, observed 6,000 men over a period of two years who switched medical health insurance plans from a traditional HMO plan to plans with lower premiums but higher annual deductibles. These deductibles usually ranged from US$500 to $2,000.

The study found that in the first year after transition, men made 21% fewer emergency department visits for low- and intermediate-severity health disorders and 34% fewer visits for high-severity health disorders. In addition, they had a 24% reduction in hospitalizations. However, this trend was completely reversed the following year, when hospital admissions for male study subjects increased by 30%. The trends suggest that men may have chosen to cope with increasing deductibles by ignoring or delaying medical care, leading to more serious male health disorders later on.

Online USA Doctors offers comprehensive physician services in an environment known as telemedicine. Telemedicine utilizes the latest technology, video conferencing, online secure email and telephone to provide care where appropriate. Online USA Doctors has combined technology and revamped healthcare in a way that helps men reduce healthcare costs overall by identifying the root cause of the health condition with a variety of resources.

Such studies support the common-sense idea that increasing medical health insurance costs lead to delayed medical care. However, the implications for men in this case are even more significant. The results of the study suggest that men may have more success in managing their health if they join a medical health insurance plan that offers them the ability to consult with doctors on a regular basis and for a flat fee. Many male health problems, such as heart problems, thyroid problems, inability to maintain erections, and other health disorders, are easily diagnosed and managed with routine primary care.

Virtual doctors / Online USA Doctors offer a highly effective answer to these problems. The virtual doctor industry uses phones, websites, e-mail, webcams and other communications technologies to care for patients who are not in the same location as the medical provider, for a fraction of the cost. Through video or phone consultations, physicians diagnose illnesses and have the freedom to order laboratory tests, prescribe medication, or make a referral to a local physician for follow-up care when necessary.

The virtual medicine industry, or telemedicine, is projected to increase to $27.3 billion in 2016, up from $11.6 billion in 2011. There are a wide variety of virtual medicine firms, such as OnlineUSADoctors.com, one of the leaders in the industry. As one of the only full-service telemedicine alternative platforms available in the U.S., it offers comprehensive health care by board-certified M.D.’s, including flexible hours, emergency services, unlimited e-mail access, and exclusive alternative health supplements for a low flat monthly rate, with a $0.99-per-consult rate for e-mail questions. By using OnlineUSADoctors, consumers can cut the cost of health coverage by a minimum of $2,000 per year.

ABOUT THE ORGANIZATION
OnlineUSADoctors.com is one of the only full-service telemedicine medical health insurance alternative platforms in the U.S., providing routine medical care to consumers at an affordable price. For a monthly subscription rate, consumers have access to unlimited doctor’s questions, three doctor consults, and medical services, including the use of prescription-grade alternative medicine supplements exclusive to OnlineUSADoctors.com. Individual, couples, and family rates are available, with the opportunity to purchase corporate memberships for employees.

Contact:     
Julie Wright, President
Online USA Doctors
(855) 872-0012 Reported by PRWeb 19 hours ago.

The GOP's New Obamacare Attack: If You Can't Beat the Law, Beat the People Who Benefit From It

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As Republicans come to terms with the futility of their incessant efforts to repeal, defund, undermine and otherwise trash Obamacare, they're turning to a new last-ditch strategy: make it harder for people who desperately need health care to get it under the new law. The tactic du jour is attacking "navigators," the nonprofit organizations charged with helping millions of consumers sign up for insurance coverage or public benefits beginning Oct. 1. The GOP logic is simple: The harder they make it for navigators to do their jobs, the harder it will be for people to get life-saving health coverage provided by Obamacare. For many, it would be the first time in their lives they have had health insurance. Republican governors in 21 states are already denying more than 5 million people benefits by refusing to take billions in federal funds to fully participate in the ACA's expansion of Medicaid. Navigator sabotage is a way for the Obamacare haters to pile on. The Republicans on the House Energy and Commerce Committee devised a way to interfere with the work of 51 organizations that will serve as navigators in 11 states. On Aug. 29, the committee sent a harassing letter demanding that non-profit groups like the Epilepsy Foundation of Florida and the Ohio Association of Foodbanks produce reams of paperwork about their operations and schedule a "briefing" of the committee by Sept. 13. Instead of spending their time getting ready for the beginning of enrollment in less than a month, navigator groups must now waste precious days and hours gathering information and traveling to Washington, D.C., as targets of bogus, last-minute harassment. This is sabotage and a politically motivated abuse of power. In case there was any doubt about the partisan nature of this sham probe, the committee is requiring that each group document its contacts with Enroll America, a nonpartisan organization working to educate consumers about how to sign up for coverage. The Republicans are obsessed with attacking Enroll America because it's a way to hurt enrollment efforts and President Obama at the same time. Republicans believe it's a high crime that the private non-profit that supports the president's law includes people on its staff who support the president. Georgia's Insurance Commissioner and Obamacare vandal Ralph Hudgens also contributed to the GOP's sabotage campaign. He cooked up a new state law that essentially requires navigators to be certified as full-fledged licensed insurance agents, which the Affordable Care Act (ACA) explicitly prohibits. Forcing navigators to jump through additional and unlawful hoops will make it harder for the 1.9 million people without health insurance in Georgia to sign up for coverage, and may allow Georgia to retain the distinction of having the fifth highest percentage of uninsured people in the nation. As Jay Bookman at the Atlanta Journal-Constitution first reported, Hudgens is so proud of his devious act of navigator sabotage that he boasted about it in a speech to fellow Republicans (which you can view here):

"Let me tell you what we're doing (about ObamaCare)," Georgia Insurance Commissioner Ralph Hudgens bragged to a crowd of fellow Republicans in Floyd County earlier this month: "Everything in our power to be an obstructionist." After pausing to let applause roll over him, a grinning Hudgens went on to give an example of that obstructionist behavior, this one involving so-called "navigators" who are being hired to guide customers through the process of buying health insurance on marketplaces, or exchanges, set up under the federal program. "We have passed a law that says that a navigator, which is a position in that exchange, has to be licensed by our Department of Insurance," Hudgens said. "The ObamaCare law says that we cannot require them to be an insurance agent, so we said fine, we'll just require them to be a licensed navigator. So we're going to make up the test, and basically you take the insurance agent test, you erase the name, you write 'navigator test' on it.

Hudgens is hardly alone. In states such as Missouri, for example, laws have been passed to make it illegal for public employees to help people sign up. These Republican anti-Obamacare tactics go beyond policy opposition or even obstruction of the law. They are dirty tricks to deny insurance to individuals with names and families and addresses and personal experiences and real medical needs. These are dirty tricks to deny compensation to hospitals that will be providing care to uninsured people who show up in the emergency room with preventable illnesses because they have no place else to go. Next month, Americans from coast to coast will begin signing up for health benefits through insurance marketplaces offering a range of affordable private health plans. Lower-income Americans will enroll for expanded Medicaid benefits. About 25 million people will never again have to worry about being bankrupted by medical bills or being excluded from coverage because they were sick or hurt or beaten or addicted at some point in their lives. The ACA is already halting skyrocketing health costs, saving seniors money on prescription drugs, providing preventive care without co-pays, raising the quality of care, and eliminating the worst insurance company abuses, like dropping people, denying care and charging higher premiums because of age, gender and pre-existing health conditions. Thanks to Obamacare, Americans no longer have to worry about getting the health care they need. They only have to worry about the Republicans taking it away. Reported by Huffington Post 18 hours ago.

Redefining Success in Life, Business and Health Care (Because We Can't Afford Not To)

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Let's stop pretending that every part of our lives fits into tiny compartments and can live in isolation for eternity. I recently had the opportunity to attend Hubspot's Inbound 13 marketing conference in Boston a couple weeks ago and wound up hearing and learning more about culture, inspiration and why we do the work we do than how to optimize our next email campaign. One of the Keynote speakers at the conference was none other than Arianna Huffington -- some of you around here may have heard of her -- and if I'm being completely honest, was probably the speaker I was least excited to see. You see, I'm a health insurance agent and I didn't really get along with a majority of The Huffington Post's opinions on health care reform. Please refrain from throwing rotten tomatoes and blunt objects until the end of the article. But as Arianna began her speech, something started to happen, she started to echo some of the same thoughts I have had both privately and publicly over the last several years. She stood in a room with over 5,300 marketers and told them they need to sleep more and hide their iPhones. Marketers flew in from around the world (I believe 36 different countries attended the event) and the advice they were getting from the headlining keynote was to "go to bed." That kind of crazy talk could incite a riot where blog posts are burned and autoresponders destroyed. But that's exactly how you redefine success, talking about something that seems completely unrelated to your goal. It's making that connection for someone that starts the redefining process, whatever it happens to be. There was another very powerful and telling part of Arianna's talk that went quietly unnoticed; it could actually be used as a legitimate psychological study. But Arianna invited everyone in attendance to email her directly for an opportunity to write for The Huffington Post. These are all marketers and business people who live and breathe online and were just offered an opportunity to write for one of the largest sites on the web. X people sent Arianna an email, X. I was one of them, that's why you're reading this article today. Arianna's response to my email was, "We would love to feature your voice on HuffPost about the event, redefining success or whatever else interests you." I thought I would take her up on all three. We already covered Inbound; let's talk about redefining success and how it leads to necessary change. *Creating New Success Awareness* How can we expect to redefine anything when everyone is paralyzed in their own complacency to the point opportunity feels like annoyance? I'm not going to pretend to be an expert, thought leader or some other trendy term on the topic. The only thing I do know, is a majority of people and businesses in this country treat their personal health and well-being with a level of disrespect that a communist dictator would be embarrassed of. If anything is going to get better, that's the first thing that needs to change, as Arianna suggested in her keynote. One of my big missions is to help people put the health back in their health insurance. What that means for this topic is, you aren't going to see the results you want until you focus on what is actually causing the problem. More on that in a bit. If you ask for a map you will never discover anything new. When things reach a certain point, like they have in the economy, business and the excessive cost of our personal well-being (health care) people want lists, bullet points and actionable advice on how to fix the problem or find a solution. That's great if you want to do something that has already been done, but if no one has gotten to where we need to go... Then someone has to blaze the trail to discover those bullet points and "actionable" advice. In the digital age of step-by-step webinars and training, we have neglected the abstract and ignored our ability to transform information and learning into something new. Everything is a copy of something. That's fine for a lot of things, the wheel doesn't need to be constantly reinvented, but every now and then a problem or topic comes along that requires or demands that abstract thought that steps outside the box and walks three miles in the other direction. That's where we are at with allowing society to redefine success in the workplace and our expectation of what's considered healthy living. Which can't be done until we allow ourselves to open our mind to new possibilities and stop listening to everything that has been said and done before. *Putting The Health Back In Health Insurance * These topics might seem completely unrelated, however they share two common characteristics. They are close to needing mandatory change and two are saddled with questionable judgement and dire expectations that have both knocking on the tipping points doorstep. Just like that small number of people who were aware and ambitious enough to send that email to Arianna, that same small number exists with the people who are willing and able to take personal responsibility for their health and truly understand what the ultimate motivator is behind it. *Performance and Quality* Those are the two primary driving factors behind living a healthy lifestyle. It has nothing to do with how much weight you lose or how much muscle you build, while those are byproducts of being healthy, they should be considers perks not goals. Being healthier allows you to perform better in every aspect of your life, that means at home at work or wherever else your absolute best is required. You don't need to be an Olympic athlete to need to perform at a high level. *The Tipping Point* In this country, no one has the right to dictate how you live your life. If you stockpiled a 30-year supply of Twinkies when you heard about their demise, no one could stop you. However we are getting dangerously close to physically and financially being unable to support this lavishly excessive lifestyle. According to Jessie X. Fan, a professor of family and consumer studies at the University of Utah "fewer than 5 percent of American adults today achieve the recommended level of physical activity in a week according to the current physical activity guidelines." I talk with people everyday who are almost in tears at the thought of having to pay a dollar more for their health insurance. While president Obama's Affordable Care Act was suppose to have solved the problem, many states are expecting prices to increase significantly at the start of 2014. Yes, there will be a group of people who will qualify for subsidized coverage, through the new health insurance marketplaces, to lower the cost of their health insurance, however a lot of people won't get to experience the "Affordable" Care Act. *Why is "Obamacare" having trouble redefining success in health insurance? * It focused too much on the middle man instead of addressing the root of the problem. While it's called the Affordable Care Act, an overwhelming majority of it is focused on reforming the health insurance industry and nothing else. Until doctors and hospitals start working for free or people are able to afford their services outright, health insurance will continue to be the "middleman" to finance those services. Sure you will hear all about the laws big push on "preventative" medicine, however it failed to address the diabolic industry who got us in this mess in the first place. Food. The next time someone talks to you about "Health Care Reform" simply ask them, "What about food reform?" *What's The Point?* A big reason you and so many others are terrified at the sight of health insurance rates is because so many of us have ignored the thing we are so concerned about protecting, our health. Contrary to popular belief, health insurance rates are largely reactive to the cost of what it's trying to insure -- medical treatment. Medical treatment is incurred sometime unexpectedly and more often as a result of personal neglect and abuse. If we are able to redefine success in our lives across the board, health should be the first mandatory bullet point on the list. *Focus on what started the problem, not what keeps it going* You can't fix health insurance without fixing what it's trying to insure. Just like you can't fix your business without fixing your life first. Before you had a "job" or a "career" you had your life. If your life isn't properly set up to allow for continued success in your job, then you will eventually fail at both. Don't listen to what I've just written or Arianna said -- use this time to listen to that voice in your head that was hopefully talking very loudly while you were reading. Chances are there's an idea or two up there that will help you redefine your success, put the health back in your health insurance or free your mind from constant dictation. The one common denominator in all this is health... Make of that what you will. Remember, you are the only one preventing yourself from accomplishing what you want to. That might sound like a quote from an ABC family movie, but once you get out of the way of your own apathy and self doubt, then we can all start to move forward to a much more exciting destination. *Now is Your Chance* If you want to document what the voice inside your head just told you, let me know below what it said and how it's going to help you redefine success in your life or someone else's? Reported by Huffington Post 16 hours ago.

Report: Health Insurance Premiums to Increase 24%, on Average, Under 'Obamacare'

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Changes to health insurance premiums are expected to vary widely by state and age as a result of implementation of the Affordable Care Act, or "Obamacare," according to a Manhattan Institute for Policy Research analysis. On average, rates will increase 24 percent in the 13 states for which data is available, but rates will decrease in some states while rising dramatically in others. Reported by Christian Post 14 hours ago.

Health Insurance Campaign, Forums Aim to Educate Marylanders

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Health Insurance Campaign, Forums Aim to Educate Marylanders Patch Broadneck, MD --

Anne Arundel County is hosting public forums and the Baltimore Ravens will participate in an outreach campaign to promote Maryland’s health insurance marketplace. Reported by Patch 14 hours ago.

Kroger, unions agree to drop employee spouses from health plan

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Kroger, unions agree to drop employee spouses from health plan Indiana employees for the country's biggest grocery store chain are preparing for a controversial health insurance change. Reported by WTHR 4 hours ago.

State certifies health, dental plans for sale next year

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The Washington Health Benefit Exchange Board voted Wednesday for certification of health and dental plans for the state’s new online health-insurance marketplace, an action it twice postponed last month. Reported by Seattle Times 8 hours ago.

Obamacare Premiums Will Vary Widely By State And City: Report

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The premiums for coverage available on the health insurance exchanges created by President Barack Obama's health care reform law will vary widely from state to state, according to a new Henry J. Kaiser Family Foundation analysis of data published by 17 states and the District of Columbia. Retail prices for health insurance can be considerably different based in part on the cost of health care services where a person lives, even within the same state, the Kaiser Family Foundation reported Wednesday. Premiums also vary based on age, family size and tobacco use. But under Obamacare, prices cannot be based on someone's medical history and patients with preexisting condition cannot be turned away. The law also mandates a set of minimum benefits that includes hospitalizations, prescription drugs and maternity care. The actual premiums for the health plans on the exchanges have been a chief unknown since Obama enacted the health care law in 2010 and although complete information won't be available until the exchanges open, the Kaiser Family Foundation examined detailed data published by state authorities to create a snapshot of what coverage will cost. In Baltimore, a 40-year-old will be able to buy a so-called bronze health insurance plan for as little as $146 a month, compared to $336 a month in Burlington, Vt., not including the savings from tax credits available to people who earn up to four times the federal poverty level -- $45,960 for a single person this year -- according to the report. The health insurance exchanges in all 50 states and the District of Columbia are slated to open Oct. 1 for small businesses, uninsured people, and for people who don't get health benefits at work, to comparison shop and to learn whether they qualify for financial assistance. People who get health benefits from large employers or who are enrolled in government programs like Medicare don't need to use the exchanges. The exchanges will sell four tiers of health insurance -- bronze, silver, gold and platinum -- indicating how generous the coverage is. Bronze plans will tend to have the lowest premiums, but expose consumers to the highest possible out-of-pocket costs and platinum plans will have the highest prices but the lowest additional expenses. Those younger than 30 can purchase so-called catastrophic insurance with minimal coverage at a lower price, but cannot apply federal tax credits to these plans. The Kaiser Family Foundation didn't compare the premiums on the health insurance exchange with the cost of health insurance for those who don't get health benefits at work today, however. The new law's guaranteed benefits, prohibition against turning down people with preexisting conditions will make health insurance on this market too different from what's currently available, the report says. "These changes make direct comparisons of exchange premiums and existing individual market premiums complicated, and doing so would require speculative assumptions and data that are not publicly available," it says. Some people, most likely young adults who don't qualify for financial assistance, may see higher prices as a result. The variation isn't limited to bronze plans, the Kaiser Family Foundation analysis reveals. "The lowest cost exchange silver exchange plan available range in cost for a 40-year-old from $194 per month in Portland, Oregon, to $395 per month for a 40-year-old in Burlington, Vermont, before tax credits," the report says. Under Obamacare, people whose incomes range from poverty, $11,490 for a single person this year, and 400 percent of poverty may be eligible for tax credits to buy private insurance. Sixteen states and the District of Columbia are running their own exchanges while the federal government will at least partly manage exchanges, also called marketplaces, in the remaining states. "Most people buying their own insurance will qualify for premium tax credits, which will significantly lower the cost of their premiums," the Kaiser Family Foundation report says. The foundation also notes that premiums released so far are lower than projected by the Congressional Budget Office. People who earn up to 133 percent of poverty, or $15,282 for an individual this year, can enroll in Medicaid if they live in the District of Columbia or one of the 24 states that are expanding the program under the law. The Kaiser Family Foundation examined insurance company filings to state regulators in 17 states and the District of Columbia and analyzed the prices in the largest cities in each jurisdiction for people at ages 25, 40, and 60. At least two health insurance companies are offering products in all of the locations included in the report. California has the largest number of companies participating in its exchange, Covered California, at 12, while HealthSource RI in Rhode Island and Maine's federally run marketplace each have two companies.

Source: Henry J. Kaiser Family Foundation
Eligibility for tax credits via the exchanges is determined based on the maximum amount of a person's income they must spend on health insurance and the price of the second-cheapest silver-level health insurance plan where they live. In addition to the tax credits for annual premiums, people who earn up to two-and-a-half times poverty can qualify for additional subsidies to cover their out-of-pocket costs like copayments and deductibles. Most legal residents of the United States must obtain coverage or face a tax penalty under the law's individual mandate.
Source: Henry J. Kaiser Family Foundation
The full Kaiser Family Foundation report includes breakdowns for each example in every one of the metropolitan areas examined. Reported by Huffington Post 7 hours ago.

Community groups feel heat of D.C. health-care battle

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The letter from Washington arrived on Laura Line's desk Wednesday, three weeks after her nonprofit won a federal grant to help consumers make sense of the health-insurance marketplaces created by the Affordable Care Act and four weeks before they were to open for business. Reported by philly.com 4 hours ago.

RadSite to Host Complimentary Webinar on Final Omnibus Rule

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Event to Address Impact of HIPAA, HITECH

Houston, TX and Annapolis, MD (PRWEB) September 05, 2013

RadSite™ is offering a free webinar to explore the impact of the Final Omnibus Rule on the health care industry—from providers to payers. RadSite, based in Houston, TX, and Annapolis, MD, is a leading certification organization promoting quality-based imaging practices.

The webinar, HIPAA and HITECH: Understanding the Final Omnibus Rule, scheduled for September 19, 2013, at 12:00 p.m. ET, will look specifically at the Health Insurance Portability and Accountability Act (HIPAA) and the Health Information Technology for Economic and Clinical Health Act (HITECH) in relation to the Final Omnibus Rule. This education-based, conversational webinar will feature noted security professional Angie Singer Keating, CISA, CIPP, CISM, CRISC, as well as RadSite representatives. To register for the webinar, please click here.

Keating’s extensive background includes her work as CEO and a co-founder of Reclamere, Inc. In this capacity she served as chief architect of the proprietary data destruction system Reclamere uses, which includes the only forensically sound quality control process for 100% of all hard drives. Keating also designed Reclamere’s data recovery and forensic labs for maximum security, outfitting them with state-of-the-industry tools. She does extensive speaking regarding HIPAA and HITECH and serves as adjunct faculty for the Pennsylvania Bar Institute.

“While most health care professionals are familiar with HIPAA, the Final Omnibus Rule poses some new challenges when it comes to ensuring business associates are also in compliance,” Keating says. “HIPAA enforcement actions are on the rise and the Office of Civil Rights has made it clear that regardless of size, all health care organizations must comply or face serious sanctions. This webinar will focus on the sweeping changes for Covered Entities and Business Associates, which have been brought on by the Final Omnibus Rule.”

As an organization focused on quality and safety, RadSite recognizes the role HIPAA and HITECH play in setting standards within the industry. In fact, understanding is the first step to compliance. This webinar is designed for providers, health plans and other professionals who seek guidance in order to comply with recently enacted legislation, or those simply interested in additional education on these new changes to HIPAA and HITECH.

RadSite offers an array of quality-based, cost-savings assessment, certification and accreditation programs that promote best practices in imaging and other specialty services across the United States and its territories. The comprehensive programs highlight opportunities for imaging facilities to achieve a high level of quality that benefits all members of the health care continuum. RadSite also offers educational and reporting services for health plans, imaging providers, regulators, consumers and others.

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About RadSite™ (http://www.radsitequality.com)
Founded in 2005, RadSite’s mission is to promote quality-based practices for imaging systems across the United States and its territories. RadSite has reviewed over 24,000 imaging facilities covering about 60,000 imaging systems. RadSite’s certification and accreditation programs help assess, track and report imaging trends in an effort to enhance imaging procedures and outcomes. RadSite also offers educational programs, publishes issue briefs, and underwrites research on a complimentary basis to raise awareness of patient safety issues and to promote best practices. The organization is governed by an independent board and committee system, which is open to a wide-range of volunteers to ensure transparency and accountability. RadSite is expanding its activities and resources to serve patients, providers, payers, government agencies, and other stakeholder groups. To learn more about RadSite, please contact us at (855) 440-6001 or info(at)radsitequality(dot)com. Reported by PRWeb 4 hours ago.

Experient Health Provides Ways to Stay Active and Maintain and Fall Fitness Routine in Latest Edition in Living Well Blog Series

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Don’t discount the power of yard work for exercise, too. Raking leaves burns calories.

Richmond, Va. (PRWEB) September 05, 2013

Just because summer is over doesn’t mean the window for a solid fitness routine has closed, Experient Health warns on its web site in the latest post in its Living Well Blog series.

“When the air turns crisp and the days grow short...go for a walk,” Experient Health wrote. “There seems to be no end to the benefits of walking.”

Several studies over the past few years, according to Experient Health, found that walking can help you lose weight, relieve back pain and mental fatigue, boost your creativity, improve digestion and even out blood sugar levels.

Also, consider looking for an indoor class.

“As the year begins to wind down, many indoor recreational classes are just starting up,” Experient Health wrote. “Take advantage of gym and studio calendars to start a new fitness program or learn a new active skill.”

Have leaves in your yard? Don’t discount the exercise value in raking them up. Even yard work counts as exercise.

According to Experient Health, it is a great activity for targeting upper body strength while incorporating some cardio and can burn more than 200 calories an hour.

Experient Health’s Living Well Blog series covers topics ranging from healthy recipes, conservation, vaccination seasons, exercise tips, healthcare news and more.

ABOUT EXPERIENT HEALTH:

For years, Experient Health, a Virginia Farm Bureau company, has helped people find the right insurance coverage and get the most for their health care dollars. The Richmond, Va.-based group is dedicated to providing high quality health insurance options to customers in Virginia, Maryland, and Washington DC. As a result, its consultants, with an average of more than 20 years experience, are intimately familiar with the states’ provider networks, products and regulations.

Representing the top national insurance carriers, Experient Health provides customers with multiple policy options designed to meet wellness needs and financial requirements.

Experient Health grew out of Virginia Farm Bureau and is a “hometown agency” in that it operates a network of more than 100 offices. However, it boasts the resources and technology of larger firms.

Consultants are available online, via phone and through their offices.

Learn more at http://www.experienthealth.com, utilize the online health insurance quote calculator or contact a consultant directly at 855.677.6580. Reported by PRWeb 4 hours ago.

The Brokerage, Inc., a Leader in the Medicare Marketplace, Unveils New, Top-of-the-line Website Designed to Help Independent Insurance Agents Conduct Business

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New website by nationally-recognized leader in the Medicare Marketplace, The Brokerage, Inc., is designed to help insurance agents grow their business with features such as specialty quote engines and valuable information on the Affordable Care Act.

Lewisville, TX (PRWEB) September 05, 2013

The Brokerage, Inc., the Texas-based nationally-recognized leader in the Medicare marketplace for over three-and-a-half decades, has announced the release of their new website, http://www.thebrokerageinc.com. It is designed to help insurance agents save money by providing them with the essential tools they need to conduct business more effectively.

The website features specialty quote engines for products such as term life, individual major medical, final expense and Medicare, as well as an events calendar that keeps agents informed on The Brokerage, Inc.’s upcoming webinars and live training events. Event topics cover current issues in the industry and range from information on benefits rollouts and Medicare training to discussions on the Affordable Care Act (ACA). Since April of 2013, President Mike Smith has trained over 1500 agents on topics applicable to the Affordable Care Act, and The Brokerage, Inc.'s website reflects an abundance of information on the subject. An entire section on the impending Affordable Care Act, titled “Health Care Reform,” keeps agents up-to-date on recent news and how the new legislation may affect insurance agents, employers and clients alike.

“The industry is in a great state of change,” states Mike Smith, President of The Brokerage, Inc. “And it is imperative for agents to have the relevant information they need to grow their business and keep their clients accurately informed.”    

The Brokerage, Inc. offers a multitude of products—annuities, final expense, individual major medical, Medicare and life insurance, to name a few—and on their website agents can access agent guides, applications, consumer brochures, underwriting guides and rate books from The Brokerage, Inc.’s various carriers. Through the site, agents can also register to be contracted with these carriers.

“Our new website is a comprehensive resource for several different types of agents,” Smith says. “With great features such as quote engines, training materials and an exhaustive list of our carriers, it is a ‘one-stop shop’ for agents who want to save money and conduct business more efficiently.”        

The Brokerage, Inc.’s website is easily accessible from any type of device—computer, tablet or smartphone. Their new website can be found at http://www.thebrokerageinc.com.

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About The Brokerage, Inc.:

The Brokerage, Inc., a national insurance marketing organization specializing in life, health and accident products, has been a nationally-recognized leader in the Medicare marketplace for over 36 years. The Brokerage, Inc. is proud to provide products such as annuities, health insurance, life insurance, and long-term care insurance, as well as marketing services to over 10,000 actively appointed independent insurance agents nationwide. The Brokerage, Inc. helps independent brokers with their marketing efforts and increases the value of their agency with specialized features such as quality Medicare leads, help with Medicare certification, top contracts, free E&O coverage, and marketing support through various avenues year-round, not just during the Annual Enrollment Period. The Brokerage, Inc. has also played a vital role in training agents for the upcoming Affordable Care Act (ACA) and is a preferred GA for Blue Cross Blue Shield. For more information, visit http://www.thebrokerageinc.com. Reported by PRWeb 3 hours ago.
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