Advantages of the Affordable Health Care Act

Featured Business Pro of Kansas City, Greg Howard, USA Benefits Group

Greg Howard has a wealth of very important information on current and upcoming health care products.  Listed below is just a small amount of information you can obtain from Greg.  I personally endorse him, he has helped our family many times, and continues to do so.  You want the best – Greg Howard, USA Benefits Group.

USA Benefits Group is a nationwide network of health and life insurance professionals that have been serving small business owners and the self-employed since 1988.

Affordable Care Act Private Exchanges (ACA) – Very important information for employers here:

A sample of important information Greg Can help you with below.

Ten Tips For Buying Insurance

Many business owners dread the process of purchasing insurance. It is not uncommon for an insurer to demand tons of information, and then decline to offer a policy. The process may seem to waste valuable time and resources. However, insurance is a necessity and it’s worth the hassle to do it right.

The first thing to do as a business owner is to put yourself in the right frame of mind. Start by understanding why you need the insurance:

  • Protection from catastrophic loss
  • Stabilization of cash expenses
  • Offloading defense of claims
  • Funding early settlement of claims to manage the size of a loss
  • Next: Commit yourself to handling the details. Underwriters can only base an underwriting decision on the information they have available. If you are inattentive to details, the underwriter will not have the information available to make an informed decision.
  1. Give the underwriter a reason to write the account. Each underwriter has basic underwriting guidelines, but these guidelines do not, and cannot, address every situation that is likely to arise. Emphasize your organization’s good works, prevention and risk reduction programs, and professional operation. Give the underwriter a reason to fit your organization into the guidelines, and to make an exception for your organization if necessary.
  2. If you have a renewal quotation for an existing policy, say so. Give the underwriter a baseline from which to start. Let him/her match or beat the other quotation. Use the other quotation to negotiate more favorable terms.
  3. Build in time for an underwriting review. If you send the insurance application to the underwriter well in advance of the desired coverage date, the underwriter has a chance to review the submission and ask questions. The lead time also gives your organization a chance to understand the features of the insurance product, to solicit competing quotations, and to compare competing terms.
  4.  Complete the application! Every question on an application form is important to the insurance company. An incomplete application will either be declined outright or sent back to your organization for completion. A quick glance will save a lot of time in the long run.
  5. Attach all supporting information. An insurer will consider its requested information to be important to accurate underwriting. List the enclosed items in your cover letter and ensure that each item is in the package prior to mailing.
  6.  Provide accurate and truthful information, preferably in writing. False information may only be discovered by the insurer when you file a claim. By then, the insurer is generally within its rights to deny coverage, and your organization is deprived of the protection that it thought it had paid for.
  7. Anticipate questions and answer them up front. In consultation with your insurance agent, provide any necessary explanation for the answers on the application and unique exposures that your organization may have. In a single submission, give the underwriter sufficient information to evaluate the risk.
  8.  Promptly respond to requests for information. A prompt response not only saves time, but it highlights your organization’s professionalism and willingness to cooperate.
  9. Negotiate quotation terms with respect. A clearly unacceptable quotation may result from an honest mistake, unreasonable underwriting guidelines, or a misunderstanding about the risks involved in your operations. While you should question the basis of the quotation and try to alter the terms, do so in a way that will not alienate the underwriter. Give him/her a chance to act reasonably.
  10.  Offer alternatives for unacceptable quotation terms. If an insurance quotation is unacceptable, offer suggestions that will improve the terms. For example, if the insurer refuses to cover an activity, offer to institute an insurer-approved risk management plan as a condition of coverage and to accept a higher deductible. Show your organization’s willingness to work with the insurer to find a win/win solution.                                 Id:80 Copyright © 2009

Contact Greg Howard for any additional questions.


To Do or Not To Do: Social Media on your Honeymoon?

Article by Destinations HD Haley Davis Honeymoon & Destination Wedding Specialist, Europe River Cruise Expert, European Travel Coordinator,

  Make your Honeymoon Dreams come true with a free Honeymoon Registry!

The idea of staying away from Facebook, twitter, or Instagram for more than 24 hours may be enough to make you break out in hives. Posting pictures, updating statuses and “checking in” are a daily norm for most people these days. However, a honeymoon is that special vacation with your new spouse to connect has a newly married couple.

The question then becomes, should you abstain from social media on your honeymoon? In the end what you do is up to you, but here are some dos and don’ts to consider: Do say you arrived safely- Posting that you arrived safely at your destination is fine. Not only will it calm the nerves of many of your family members who may have been concerned for your well being, it’s the perfect opportunity to signal to the world that you might not be easily accessible for a few days. Don’t post every moment of the trip – Your friends and family are most likely at work and seeing a constant stream of pictures of the exotic vacation you’re on can get old quickly. “Heading to the spa for some relaxation” is the last thing your uncle Bill wants to see after his hard day at the office. Do wait for something that is actually post-worthy- Everyone already knows that you’re having a fun filled vacation, but did something extraordinary happen on the trip? Perhaps you saw a celebrity at your resort. Now, that is extraordinary. You had your third day of tropical drinks by the pool? Not so extraordinary…

Don’t take pictures of everything- Fully immerse yourself in actually enjoying these moments. Some studies show that taking pictures of everything can lead to you forgetting them faster. Why not be 100% present in the moment instead of trying to make sure you will remember it later? Do ask for travel tips- This should actually be done in advance of the trip, but if you know someone or a group of people in your friends list that have already been on the trip you’re on, asking for recommendations can’t hurt. At the end of the trip, you will want to know you spent more time being in the moment, admiring the views, and most importantly, enjoying each other, more so then posting comments and taking photos. This is your once-in-a-lifetime experience together as newlyweds – make memories together and share with everyone when you get home!

Thanks so much!!  Haley Davis, cont5act us at:

Honeymoon & Destination Wedding Specialist

Accredited Cruise Counselor – Europe River Cruise Expert

European Travel Coordinator Tel: (913) 244.9195

Tips for Porting Over Your Old Phone Number to Hosted VoIP

One of the most important factors in the health and success of any business is making sure that your customers know how to get ahold of you. After all, it’s a highly competitive world out there for any business, and your customers are busy people. They’re not going to spend a lot of time trying to track your company down, they’ll just take their business elsewhere.

That’s one of the reasons it can be stressful to contemplate changing your business phone service. Even in this digital age, customers still need to be able to call in, and you may’ve had the same phone number for years. Nobody wants to change their number and risk their customers not being able to reach them. If a customer calls and finds that your number is no longer in service, chances are they’ll assume that you’ve gone out of business, and that’s not good for anyone.

Fortunately, transitioning your business to hosted VoIP phone service has never been quicker, easier, or smoother, and regulations allow you to keep your existing phone number, even when you switch service providers. So there’s never been a better time to make the switch to VoIP phone service than right now! Hosted VoIP can provide you with all the services and amenities that you’ve come to expect, plus improved reliability, call quality, and customer service. But even though switching to hosted VoIP is straightforward and hassle-free, there are still a few things to keep in mind to help make sure that the transition is as smooth as possible, and ensure that your customers can stay in touch with you.

When you decide to make the switch to a new provider, ask your current provider for a copy of yourCustomer Service Record (CSR). That will provide you with all of the necessary demographic information that your new provider will need to set up your account so that you avoid delays or rejections. 

Allow at least two weeks for the processing of the port. During this time, your service will still be active on your old phone system.  The Hosted VoIP phones will be configured and installed prior to the changeover.  When the port occurs, the service will be live on the new phones within minutes.

If you have a DSL circuit attached to the number that you’re porting over, you’ll need to get it re-provisioned during the transition or your DSL will go away when the number ports. It’s a simple enough process, but one that can cause big problems if it’s not taken care of, so ask your service provider about it when you contact them.

Once the port is complete contact your old carrier and make sure that any numbers that you no longer need are cancelled, so you don’t end up with bills down the road for services that you weren’t using.

At sipVine, we know the importance of good communications to business, and that’s why, when you call us, you’ll always get the very best in personalized service. If your business is ready to transition to hosted VoIP phone service, give us a call today, and we’ll help you get the ball rolling!

About the author: Mark Greim is the Vice President of Sales and Marketing at sipVine, a provider ofhosted VoIP phone systems and services. Mark has extensive experience working for start-up or entrepreneurial organizations and has a passion for affordable, reliable, and purposeful technology solutions in those environments.

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