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How Long Can I Keep My Child On My Health Insurance Plan?

Post by: Butch Zemar in Uncategorized

How Long Can I Keep My Child On My Health Insurance Plan?  Long before the  “ Patient Protection and Affordable Care Act ”  (a.k.a. “Obamacare”) was signed in to law on March 23rd, 2010. There were Federal & State laws that were already in force around the country that provide protection for dependent children regardless of their college student att...

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Apr 30, 2013
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Photos: Lunch Seminar - Impact of Healthcare Reform on Small Businesses

Post by: Butch Zemar in Uncategorized

Some key local business owners attended this Lunch Seminar on healthcare reform.  Many business owners are a little nervous about what is on the horizon.  Rightly so!  This is why we are doing Lunch Seminars to provide these local business owners with the tools and knowledge on how to get a head with healthcare reform. Those who do, will profit from doing so...

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Apr 29, 2013
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Don"t Get Caught In The Snow With Your Insurance Needs

Post by: Butch Zemar in Uncategorized

Photo Credits: http://ribbu.com/ It has been a crazy winter in the Chicago area. Mother Nature has brought us a very little snow in December or January. February brought about 25 inches, and now it is March and we are getting hit with the biggest snow fall of the year. Today O’hare has already cancelled 1000 flights and it just started to snow. ...

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Apr 26, 2013
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Investing In Your Retirement

Post by: Butch Zemar in Uncategorized

Credits: http://creativewealthintl.org/ You often hear the term “Pay yourself first”. That means you want to be sure you take care of you before you take care of your bills and other financial obligations. Unfortunately in the real world it is not always realistic. You really cannot neglect your mortgage or you will be on the streets. All of the...

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Apr 25, 2013
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Golden Rule® Will Opt Out of Insurance Exchange

Post by: Butch Zemar in Uncategorized

The Affordable Care Act and its implementation have left many wondering what to do for this year as there is an unknown about 2014. By unknown I mean we hear costs will go up 50-100% once the exchanges open and all of the essential benefits are incorporated. We hear that, but I guess we do not know factually. We have also been told that health insuran...

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Apr 24, 2013
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The False Pretense of Having Health Insurance Coverage After Applying for Coverage

Post by: Butch Zemar in Uncategorized

Photo Credits: blogs.squaremouth.com/ There have been some changes recently with the application process for a Celtic Insurance health policy. Once the policy is approved, there is a change in effective date; when the policy starts. In one particular case, they had coverage for at least 18 months with qualifying coverage and no breaks in that cover...

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Apr 23, 2013
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Healthcare Reform: Can I Use My Insurance Agent?

Post by: Butch Zemar in Uncategorized

It is full speed ahead with questions about how healthcare reform will pan out come later this year, 2013. Open enrollment starts October first. What does that mean for you? It means a lot of confusion and unanswered questions. This is where your insurance agent comes in. Insurance agents have a huge role in the lives of individuals, families and bu...

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Apr 23, 2013
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The Impact of Healthcare Reform on Small Businesses - Lunch Seminar April 24, 2013

Post by: Butch Zemar in Uncategorized

Healthcare Reform will have an impact on your bottom line, but how? Come find out how the healthcare bill is going to affect you and your business in 2014. We will also be sharing information about what the healthcare bill missed the boat on and how it could cost you a TON of money.  ** RSVP Here ** Click here to view PDF...

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Apr 22, 2013
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Penalties for Employers Not Offering Affordable Coverage Under the Affordable Care Act

Post by: Butch Zemar in Uncategorized

Penalties for Employers Not Offering Affordable Coverage Under the Affordable Care Act starting in 2014 Penalties will be important for business owners to make the right decision.  This is especially true for employers that have at least 50 full-time equivalent employees.  The flowchart below (click link if you cannot see it) has a nice layout to sh...

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Apr 22, 2013
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The Requirement to Buy Coverage Under the Affordable Care Act Beginning 2014

Post by: Butch Zemar in Uncategorized

The requirement to buy coverage in 2014 is a little confusing these days.  Thanks to the help of the Kaiser Foundation, they came up with a flow chart to make it a little easier.  This is important going into the new law.  We decided to post the PDF here in the blog.  If you can see it click on the link: The Requirement To Buy Coverage Under the Af...

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Apr 22, 2013
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Health Insurance Agents Quit! Maybe Not...

Post by: Butch Zemar in Uncategorized

In the Medical Loss Ratio part of the Healthcare Reform Law of twenty-ten, the health insurance agent's commissions were cut in half, or more in some cases. With a financial disincentive, health insurance agents are reluctant to services their business due to the loss in income. It is tough to move forward when your commissions are slashed in half. Americ...

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Apr 03, 2013
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Medical Loss Ratio - Insurance Agents Are Up To Bat, Again

Post by: Butch Zemar in Uncategorized

The Medical Loss Ratio (MLR) has put health insurance agents through the ringer with their strict ruling of including agent commissions in the MLR. Third and fourth quarter of twenty-ten, advocates and lobbyist went to bat for the health insurance agents in Washington. The government insisted that the insurance agents were part of operating expenses. Most...

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Apr 01, 2013
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About Butch Zemar

Employers are feeling it every day that health insurance premiums are skyrocketing out of control. They are duplicating their efforts and finding out as they move along they have pitfalls that are eating up their bottom line.  

Employers have options dealing with healthcare for their employees.  Staying ahead of the trend will help save them money and time while maintaining the status of the employer of choice for talented employees.  
 
Butch Zemar, an industry-leading healthcare reform specialist and author who helps businesses enhance their employee benefits offerings while also reducing health insurance costs. A published author, speaker, and writer is known for his expertise in the health insurance marketplace. Advisor to small and medium-sized businesses on the latest regulations and new insurance plan offerings. A 2014 Broker of the Year finalist for Benefits Pro. Avid scuba diver, master instructor, and creator of ScubaButch.com.

EliteBenefits.net and ButchZemar.com are the go-to information sources for small and middle market companies. 

Latest Blog Post:

‘Medicare for All’ Sounds Good to Some, But Then There’s Reality - By Eric Wilson

  • By Eric Wilson ORIGINAL ARTICLE PUBLISH ON www.calbrokermag.com Since before the Affordable Care Act was signed into law in March of 2010, there have been talks about the United States moving toward a “Medicare for All” program, or a single payer system, or a government run health care system or socialized medicine. In co... Posted: Aug 20, 2019 Read More

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