Brokers Get Paid For The Work They Don’t Do

May 30th, 2020

Driving across town to earn $87,000 is one hell of a way to make living…………..

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Willacy County Seeks Competitive Proposals

May 29th, 2020

Willacy County is seeking competitive proposals for: Employee Medical, RX, Dental & Vision plan

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Breaking Down Where All The Money Goes

May 28th, 2020

According to this illustration, the following statistics can be derived:

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Restoring Medicine

May 27th, 2020

We are a grassroots movement of doctors, nurses, students, business leaders, and everyday citizens from across the United States that are demanding a more honest and fair health care system.

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Government Mandates Health Plans To Cover $25,000 Drug

May 26th, 2020

Government mandate forces health plans to cover Truvada, the only FDA approved drug used to prevent HIV. Annual cost of this drug is $25,000…………………

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Texas School Districts Run Out of Money

May 26th, 2020

School districts will be forced to reexamine finances including health care spend……………….

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TRS ActiveCare

May 26th, 2020

2019 Annual TRS-ActiveCare Financial Report

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Fascinating Insurance Meeting

May 26th, 2020

If you have a spare 2.5 hours, this is worth watching…………………………

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Memorial Day 2020

May 21st, 2020

Lt. Col. E. Rusteberg – West Point 1934 – Two Silver Stars, One Bronze Star, Presidential Unit Citation (Battle of Hatten), Purple Heart. 

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Molly Mulebriar Exposes PPO Kickback Scheme

May 21st, 2020

Do the PPO Kickback Scheme described in this July 2011 blog posting still exist…………..?

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The End of the Game

May 21st, 2020

I don’t speak German, but I think she said: “What The F**k?!”

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20 Ways to Negotiate Your Bill

May 21st, 2020

If collectors are calling you insisting that you pay for an unfair bill, insist they provide you with the contract obligating you to pay. Without a written agreement that you owe money, you have no legal obligation to pay………………

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What Ever Happened To Martinsville Hospital vs Glenn M. Dennis?

May 20th, 2020

Reference Based Pricing Lawsuit Grabs National Attention

“Few of us, when confronted with the threat, ‘Your money or your life! ’ would, like Jack Benny, pause and respond, ‘I’m thinking, I’m thinking.’ Most of us would empty our wallets. Does that act of acquiescence demonstrate acceptance of an offer and create a contract?”

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Opportunity Beckons – Will RiskManagers.us Take The Bait?

May 18th, 2020

Ready to be your own boss? You have what it takes to become a GEICO Local Agent! As a GEICO Local Agent, you’ll write business for GEICO and our affiliates as an independent, small business owner, right in your own back yard.

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Overcoming Misconceptions About Healthcare Benefits: Part 4

May 18th, 2020

Posted by: 

Albert Einstein knew that the quality of a solution was directly related to a person’s ability to identify the problem they were trying to solve. He famously said, “If I had an hour to solve a problem I’d spend 55 minutes thinking about the problem and five minutes thinking about solutions.”

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The Mystery of Drug Pricing

May 18th, 2020

Our Clearinghouse ModelSM simplifies drug pricing and frees up resources to improve patient care. Sometimes a simple change delivers revolutionary results…………..

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Hospitals Shun Sunshine – Embrace Foggy Days

May 18th, 2020

“We are very disappointed that CMS continues down the unlawful path of requiring hospitals to disclose privately negotiated contract terms,” the group said in a statement………….

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ICHRA’s Shake Up Market

May 17th, 2020

Your broker advisor will probably never recommend ICHRA’s because to do so will destroy their business model. That’s probably why you’ve never heard about ICHRA’s until now……..

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May 16th, 2020

Q4intelligence is a business, sales, and marketing consulting firm working with insurance and benefits agencies.

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The Maestronites

May 16th, 2020

We are Maestronites, and our people are at the core of what we do.  We value an innovative approach, a drive to disrupt, an enthusiasm towards making a difference, and most importantly, a passion to make employee health & benefits “people-friendly” again.

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The Evil LASER MONSTER Is Waiting For You

May 16th, 2020

Evil LASER MONSTER waits for you from the darkness of stop loss hell………………

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A Speech Worth Watching

May 15th, 2020

Approximately 4 minutes long, this man delivers a powerful message with meaning for everyone

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Higginbotham Acquires Obscure San Antonio Agency

May 15th, 2020

“Hi, I’m from Amerman Insurance Services, may I come over to talk to you about insurance this afternoon?”

Amerman? Never heard of you. Goodbye……………..

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A Llama Named Winter

May 13th, 2020

A Llama Named Winter May Hold the Key to a Coronavirus Treatment

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The Klement Letter

May 12th, 2020

“As an outsider looking in and not having all the political implications and considerations that board members face, I’d like to give you our perspective and advice for consideration on your choices.” – Greg Klement

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School District Believes In The Tooth Fairy

May 12th, 2020

The Weslaco Independent School District believes insurance agents are so invaluable they hired three of them……….”At no cost to the district”……and they are getting the TPA for free too………. 

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Hoax RFP From The Past

May 12th, 2020

mulebriar

Financially strapped district leaves +$500,000 on the table……………..

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“Hoax” RFP

May 12th, 2020

Former Amarillo Mayor, Fairly Group CEO file lawsuit against Amarillo ISD

“This suit does not seek to recover monetary damages from AISD. I am simply ‘raising my hand’ to shed light on a process I believe is flawed and unfair to Amarillo’s teachers and taxpayers.” – Alex Fairly

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Meet New Texas Medical Association President-Elect

May 11th, 2020

Linda poised to be the next president of TMA representing more than 53,000 doctors in Texas………………….

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El Paso ISD Report Card – First Year Renewal After Challenging TRS ActiveCare

May 9th, 2020

“The CIGNA plans continue to offer better benefits with greater freedom of choice and fewer restrictions than TRS at competitive deductions along with its annual contribution to the Health Savings Account.”

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Guarantee “No Laser” Contract

May 9th, 2020

Guarantee “No-Laser” Contract – We guarantee not to raise the specific deductible relative to an individual at renewal who may be experiencing on-going claims.  Additionally, the terms for the renewal will not represent a premium increase which includes the entire expected cost of a known future excess claim.

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May 9th, 2020

RiskManagers.us is a specialty company in the benefits market that, while not an insurance company, works directly with health entities, medical providers, and businesses to identify and develop cost effective benefits packages, emphasizing transparency and fairness in direct reimbursement compensation methods.

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Welcome to Walmart. Your doctor will see you now

May 7th, 2020

Grand Opening – Walk In Clinic

Walmart is America’s dominant retailer for groceries and other merchandise. But now it’s trying to seize a chunk of the lucrative health care market, which makes up more than 15% of the country’s economy and is growing.

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Risk Transfer On Steroids – Adverse Selection Can Be A Plan’s Sponsor’s Best Friend

May 6th, 2020

By Bill Rusteberg

There appears to be a growing belief Plan Sponsors may be enabled to devise a plan of benefits that incorporate heretofore widely thought to be prohibited enticements to transfer high risk individuals off employer sponsored group plan coverage onto alternate plans such as individual health insurance coverage, Medicaid and Medicare.

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Ameritas Acquires Dental Select

May 5th, 2020

LINCOLN, Neb., May 4, 2020 — Ameritas Life Insurance Corp. announces the acquisition of Dental Select, effective April 30, 2020. Terms of the agreement are not disclosed.

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A TPA That Definitely Thinks Out-Of-The-Box

May 5th, 2020

Mutual Medical Plans Inc. has devised numerous unique cost saving strategies, often used by no one else in the market…………………….

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Consultant Wanted – Apply Within

May 5th, 2020

Invitation For Bid No. GEN2121064B1 for Insurance Consulting Services

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Do You Believe Me Now?

May 4th, 2020

‘I Told You I Was Sick’: Getting The Last Word At A Florida Cemetery

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Patient Dumping or Smart Risk Management Strategy?

May 3rd, 2020

“The concept sounds to easy to be true, but the ACA has set up the ability for employers and employees on a voluntary basis to choose a better plan in the Individual Marketplace and save a significant amount of money for both!”

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Changing TPA’s – I’d Rather Grin & Bare It!

April 28th, 2020

By Molly Mulebriar

How many times has an employer said to you “Yes, we ARE having issues with our TPA, but changing to another one is too disruptive and challenging. Plus, we are out of time since our renewal is just around the corner. We are just going to stay put for now and live with it.”

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Patient Defender

April 27th, 2020

Patient Defender is the ultimate weapon in the battle against abusive balance billing tactics……

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Dental Visits – Is Your Life Insurance Paid Up?

April 27th, 2020
By Darrell Pruitt, DDS
Dentists, unless we stop COVID at the door, we will kill people we care about.

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BREAKING: Supreme Court Rules Congress Bilked ACA Insurers

April 27th, 2020

The federal government acted unlawfully when it reneged on a commitment to shield Affordable Care Act insurers from heavy financial losses, the U.S. Supreme Court ruled Monday.

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TRS Board Approves TRS-ActiveCare Changes

April 27th, 2020

“TRS is understandably eager to point out that employers in TRS-ActiveCare pay 15 percent less than districts not in the program. In addition, TRS reports that while other plans saw a 24 percent increase in costs from 2013 to 2019, TRS healthcare plans only increased by 7 percent……………”

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US Hospitals Getting Paid More to Label Cause of Death as ‘Coronavirus’

April 27th, 2020

“Right now Medicare is determining that if you have a COVID-19 admission to the hospital you get $13,000. If that COVID-19 patient goes on a ventilator you get $39,000, three times as much. Nobody can tell me after 35 years in the world of medicine that sometimes those kinds of things impact on what we do.”

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Health Care Costs Have Remained Static But Health Insurance Costs Haven’t – Here’s Why

April 26th, 2020

By Bill Rusteberg

Health care costs have remained essentially static over the past 15-20 years yet health insurance costs have skyrocketed. Here’s why……………

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Indian Givers

April 24th, 2020

Denver Health Executives Get Bonuses 1 Week After Workers Asked To Take Cuts

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TRS ActiveCare Touts Unamazing Provider Discounts

April 23rd, 2020

“The size of TRS’ membership also enables TRS to negotiate larger discounts with providers. In fiscal year 2018, providers submitted $12.5 billion in charges. TRS reduced the cost of care by $5.2 billion by negotiating lower prices with providers through its third-party administrators.” – Teacher Retirement System of Texas Self-Evaluation Report

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Smart Health Pay Card

April 22nd, 2020

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Airrosti Clinics Tout Telehealth Option / In Clinic Patient Screening

April 22nd, 2020

I’m proud to be offering telehealth options, and Airrosti is working with insurance providers to offer these, in many cases at a low or no cost to patients. You may have great benefits in place for this, which our Patient Advocate Team (PAT) can verify for you, so do not hesitate to reach out to the PAT or me if you need anything.

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Telehealth Raises Questions about Medical Professional Liability Coverage

April 22nd, 2020

 

The increased use of telemedicine during the coronavirus pandemic raises concerns about whether providers’ medical professional liability insurance will cover them if they use it to treat patients across state lines.

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Actuaries Have Opinions

April 21st, 2020

CLICK HERE FOR ARTICLE:

Health Insurance Rates Could Be Weirdly Stable: Actuaries

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COVID-19 Test Site Finder

April 21st, 2020

Hello,

I work for Castlight Health, and we help people navigate an often confusing healthcare landscape. With that, we developed a COVID-19 Test Site Finder, a national directory that helps people across the US find the nearest healthcare provider to perform COVID-19 testing. We hope to help assess their symptoms, determine the appropriate next steps for care, and easily find a coronavirus testing site.

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FREEDOM DAY

April 20th, 2020
Celebrating FREEDOM DAY today, 20 April 2020. Large crowds welcomed. Handshaking permitted. Unrestricted travel included. Face masks outlawed.

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“FREE” Rona Lab Test – Newest Medical Scam

April 20th, 2020

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The Most Outrageous Salesman I Ever Filmed

April 19th, 2020

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April 18th, 2020

Texas Protest Reflects Spreading Frustration With Coronavirus Closings

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Software Analytics For Health Benefits Risk Analysis

April 18th, 2020

Claros Analytics is an actuarial software firm that develops cutting edge software for pricing and analysis of risk in health care plans and health care systems.

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Good News From The ADA

April 18th, 2020

By Darrell Pruitt, DDS

“ADA urges HHS to federally recognize licensed dentists to administer point of service COVID-19 tests – Association says enabling dentists to test patients prior to treatment will help lower entire dental team’s risk of exposure.”

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Unique Recruiting Firm Devoted To Insurance

April 18th, 2020

The Jonus Group is constantly looking to expand its network of professionals, acting as their eyes and ears in the marketplace.

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There’s No Such Thing As A Million Dollar Claim

April 17th, 2020

By Bill Rusteberg

A few years ago we were having a few late afternoon beers, as was customary on most business days, at the CEO’s private office in West Texas. Although I was not a “regular” since I lived many miles away, when I had occasion to visit I always looked forward with keen anticipation to the late afternoon “business meeting” that would invariably take place. It was always an enjoyable time, with much banter back and forth, with an occasional visitor or two dropping by to add to the atmosphere.

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Turkey’s Unique Hand Sanitizing Method

April 17th, 2020

Atelier Rebul, one of the oldest and most famous kolonya brands in Turkey, first opened on the streets in Istanbul in 1895 (Credit: Atelier Rebul)

For hundreds of years, this Ottoman-era cologne has been synonymous with Turkish hospitality. Now, it’s being used to fight coronavirus……………….

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RiskManagers Announces Freedom Day Proclamation

April 16th, 2020

Mark your calendar: 20 April 2020 is officially designated as “Freedom Day” for all staff members of RiskManagers.us.

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Point of Service Direct (Cash) Claim Payment

April 15th, 2020

By Bill Rusteberg

I couldn’t resist publishing this in a moment of insanity this afternoon…………it’s therapy that’s good for me………….

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Combating Uncertainty in Healthcare Reform with Captive Insurance

April 14th, 2020

Turning the Tide: Combating Uncertainty in Healthcare Reform with Captive Insurance

The future of healthcare in the United States remains uncertain – even for practitioners in private practice.

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What Pandemic? Wimbledon Tennis Captive Pays Off Big

April 14th, 2020

For a $2 million annual premium, the Association collected last month $141 million when the 2020 tournament was canceled as a result of the Coronavirus pandemic, otherwise leaving the Association devoid of ticket sales and television revenue…………………..

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April 14th, 2020

When Murrow asked him, “Who owns this patent?”, Salk replied: “Well, the people, I would say. There IS no patent. Could you patent the sun?

Chinese Flu Will Drive Up Health Care Costs

April 14th, 2020

Employers’ Health Care Costs Expected to Rise Due to Coronavirus

Costs could increase by 7 percent this year with expanded coverage……………

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April 14th, 2020

Hidden Secrets of the Uninsured | Shaun Young | TEDxNewAlbany

FROM A PLAN SPONSOR: This is the essence of what I think both you and I have been preaching for many years.  You don’t spend money efficiently when it’s someone else’s money.

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The Original All Lines Aggregate

April 11th, 2020

The All Lines Aggregate program is a contemporary alternative to conventional insurance.

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THE MILLIONAIRE PRODUCER

April 10th, 2020

Helping Insurance Agents Build a $1,000,000 Book of Business Through Signed Broker of Record Letters………………..

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How To Win Broker of Record Nearly 100% of The Time

April 10th, 2020

Learn how to win BORs and Consulting Agreements nearly 100% of the time by providing insights and massive value!

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Operation Pangea

April 9th, 2020

“The illicit trade in such counterfeit medical items during a public health crisis, shows a total disregard for people’s lives,” said Interpol’s Secretary General Jurgen Stock.

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Oral Contraceptive Class Action Settlement Announced

April 8th, 2020

 

Settlements have been reached in a class action lawsuit involving the oral contraceptives Loestrin 24 Fe and Minastrin 24 Fe. Defendants agreed to deposit $63.5 million into a Settlement Fund to settle all claims in the lawsuit. A claim form must be submitted by SEPTEMBER 21, 2020.

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City of Harlingen Seeks Insurance Consultant

April 7th, 2020

USA (Harlingen, Texas) – Professional Insurances Consultant Services – Deadline April 28,2020

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