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Uninsured Americans Charged More For Medical Treatment

Post by: Butch Zemar in Uncategorized

If you are one of the 46.6 million Americans that have joined the ranks of the uninsured, what you may not know is that you may have to pay more for your medical treatment than your privately insured counterparts. If those without insurance get sick, they usually have to pay much more for the same medical services, since insurance companies can negotiate dis...

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May 27, 2013
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Ten Questions You Should Ask Your Agent Before You Buy A Policy

Post by: Butch Zemar in Uncategorized

If you are a business owner, self-employed or an employee of a company that is not offered medical coverage through your employer, you may have to undertake the frustrating, daunting and time consuming task of purchasing health insurance on your own. If this is the case, there are certain things that you can do become an informed consumer so you can ensure t...

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May 25, 2013
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COBRA Stimulus has ended. What are your Health Insurance options now?

Post by: Butch Zemar in Uncategorized

I f you are one of the many American's who elected to take advantage of a 65% reduction of your COBRA continuation premiums under the  " American  Recovery and Reinvestment Act Of 2009 "  your reduced COBRA premium would have increased substantially in the month of December 2009 when the "Cobra Stimulus" was originally planned to come to an end. However ...

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May 23, 2013
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Video: How Early Should You Buy Life Insurance?

Post by: Butch Zemar in Uncategorized

How Early Should You Buy Life Insurance? EliteBenefits.net How Early Should You Buy Life Insurance?  There are 5 reasons to buy life insurance earlier opposed to waiting until later.  For more information visit EliteBenefits.net or call 888-535-3006

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May 23, 2013
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Video: The New Type of Disability Insurance For Business Owners

Post by: Butch Zemar in Uncategorized

Video: The New Type of Disability Insurance For Business Owners Free ebook: www.EliteBenefits.net/e-book/  A new way for business owners to replace their income if they become too sick or hurt to work.  Now they can replace their income and still keep the business running without starving the business.  EliteBenefits.net 888-535-30006

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May 23, 2013
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Video: How Do Parents Continue Health Insurance When Their Kid Turns 26

Post by: Butch Zemar in Uncategorized

How Do Parents Continue Health Insurance When Their Kid Turns 26 EliteBenefits.net - How do parents continue health coverage for their kids at age 26?  There are three options. Check out the video.  888-535-3006

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May 22, 2013
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Video: Losing Your Ability To Earn An Income

Post by: Butch Zemar in Uncategorized

Video: Losing Your Ability To Earn An Income Free ebook: www.EliteBenefits.net/e-book/ The Month of May is Disability Awareness Month.  1 in 3 chance of losing your income during your working years.  62% of bankruptcies are due to medical bankruptcies and three-quarters of them HAD health insurance.  For the cost of Pizza and a few beers a month, pr...

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May 21, 2013
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Health Insurance Tips and Solid Advice For Self Employed and Small Business Owners

Post by: Butch Zemar in Uncategorized

I have been a health insurance broker for more than 17 years now and every day I read more and more "horror" stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits, ...

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May 21, 2013
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Do I Have To Buy In the Health Insurance Exchanges?

Post by: Butch Zemar in Uncategorized

Photo Credited: http://sfreporter.com/ Healthcare reform is moving at full throttle to be ready for January 1st, 2014.  Some people did not even know that healthcare reform was signed into law by the current Administration.  Most people are still confused on how things will pan out.  The health insurance exchanges are going to be real, but you need to ...

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May 20, 2013
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What about that Small Employer Health Insurance Tax Credit?

Post by: Butch Zemar in Uncategorized

The tax credit is available from 2010 through 2015. For 2010 – 2013 the maximum credit is 35% of qualified premium costs paid by for-profit companies, and 25% for non-profits. The maximum credit is only available to employers with no more than 10 full-time equivalent employees (FTE’s), who are paid average annual wages of $25,000 or less. A reduced credit is...

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May 19, 2013
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How the new ‘Robert’s Tax’ a.k.a. “Shared Responsibility Clause” is triggered for “Large Employers”

Post by: Butch Zemar in Uncategorized

Beginning in 2014, many employees who are not offered health insurance through their employer and who are not eligible for Medicaid may be eligible for “Advanced Premium Tax Credits” for coverage through a PPACA “Health Insurance Exchange”. The PPACA empowers the Internal Revenue Service to allot ‘Advance Premium Tax Credits’ to childless adult individuals...

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May 17, 2013
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The Impact of the PPACA ‘Roberts Tax’ on Individuals, Taxpayers and Business Owners.

Post by: Butch Zemar in Uncategorized

Beginning January 1, 2014 the PPACA (a.k.a. ‘Obamacare’) legislation levies a brand new tax – the “Roberts Tax”. A tax aptly named after U.S. Supreme Court Chief Justice John Roberts who created this new tax all by himself. It is neither an excise tax, nor a capital gains tax or any other kind of defined tax. It is instead a new tax, a tax for doing nothing ...

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May 15, 2013
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Don’t Fall Victim To A Health Insurance Scam 10 Red Flags To Watch Out For

Post by: Butch Zemar in Uncategorized

In today's fast paced world, business owners don't often have the time to thoroughly check out the companies they rely on to provide goods and services. In many cases, a determination of product/service quality can be made at the time goods are delivered or services are rendered. If goods or services do not meet expectations, there is often an immediate reme...

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May 13, 2013
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What will health insurance cost in the new health insurance exchanges?

Post by: Butch Zemar in Uncategorized

If you want to see just how  expensive  government approved health insurance will be in the new health insurance exchanges. Just click on the Kaiser Family Institute’s   Exchange Calculator here .  Then, enter an income of $50,000 for a family of four.  First, look at the “u nsubsidized health insurance premium “. This is the  actual   premium for the he...

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May 13, 2013
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Why Are Health Insurance Premiums Still Increasing After The PPACA?

Post by: Butch Zemar in Uncategorized

Why Are Health Insurance Premiums Still Increasing After The PPACA? There are 5 primary reasons why health insurance premiums  have already increased  and will  continue to increase  since the passage of the PPACA. And, why insurers like Aetna are expecting  some premiums to double after 2014 . 1) My Blue Cross Group clients hav...

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May 02, 2013
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Small Group Health Insurance can be a Small Business KILLER

Post by: Butch Zemar in Uncategorized

Small Group Health Insurance can be a Small Business KILLER I received a phone call at my agency on Friday by a client who is a friend of an attorney in Chicago who is paying $1,000 a month for individual employees on his group health insurance plan and nearly $3,000 a month for employees with dependents. And, he only has 5 employees. This phone call pr...

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May 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:

Healthcare Rules Changed for Employers

  • Photo Credit:http://clipart-library.com The way we play the game of health insurance has changed over the years. Currently, many employers, small and large, are grossly overpaying for their benefits program for the workplace. Human Resources has become so complicated and, straight up crazy, that it is hard for anyone to keep up with it.... Posted: Jul 10, 2019 Read More

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