Archive for May 19th, 2014

Free At Last

Monday, May 19th, 2014


By Molly Mulebriar

Years ago, when working for a national health insurance carrier, I was asked to sign a non-compete agreement.This was after I worked there for a number of years. I refused.

My line of reasoning went something like this: “I really don’t work for you, I am simply selling my skills and time in return for money. I am independent. Why would I sign an agreement giving up my right to sell my services to anyone else for 2 years after I fire you?”

Of course, this did not sit too well with management. But, they decided I was too valuable to let go, so they quietly shelved the demand somewhere deep within HR-ville.

Now we understand that one of our dearest friends and business partners has just completed a two year non-compete period. Will it make a difference to the prior employer’s bottom line?

Free at last, free at last, what a good feeling, free at last!

Editor’s Note: Mildred now runs a TPA and does not believe in non-compete contracts. Her employees are free and independent. Enslavement is not a company sponsored philosophy.



Converting Your Group Plans To Individual Plans

Monday, May 19th, 2014


From Group to Individual

The third of four trainings in our “Road to Group Insurance Success: Understanding the Employer-Sponsored Group Market” series, From Group to Individual, will discuss how to effectively convert group plans to individual plans using the powerful tools available to GoHealth VMO agents.

Editor’s Note: With PPACA, we are witnessing a new paradigm: individual health insurance is better than group health insurance. Individual health insurance is guarantee issue (no one is turned down or singled out for lasers), is portable (not tied to employment) with many plan options to choose from. Group medical insurance is not guarantee issue for groups of 50 or more, and plan participants can be singled out due to their health conditions and placed with lasers. Now we are beginning to see a movement from group health plans to individual plans through private heath insurance exchanges which are cropping up all over the country. 

Employers are beginning to think that paying a $166 monthly tax on each of their employees in 2015  is much better than insuring them for $350 or more  each month.  Just think, no more dealing with pesky insurance brokers and consultants, no more spending months finalizing renewals, and no more nightmares about greedy health insurance companies eroding your ever decreasing profit margins. If the employer mandate is eliminated altogether (which is the talk among pundits in Washington these days), group health plans will go away quickly. 


Government Sets Complicated Fixed Indemnity Rules

Monday, May 19th, 2014


Government interference in heath care continues unabated. Citizens continue to lose freedom of choice. – “Insurers may have a chance to sell fixed indemnity health insurance to workers who get weak “minimum essential coverage” (MEC) from self-funded employee health plans.”