Archive for the ‘Uncategorized’ Category

Saturday, 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

Thursday, 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

Wednesday, 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

Tuesday, 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

Tuesday, 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

Tuesday, May 5th, 2020

Invitation For Bid No. GEN2121064B1 for Insurance Consulting Services

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Do You Believe Me Now?

Monday, 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?

Sunday, 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!

Tuesday, 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

Monday, 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?

Monday, 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

Monday, 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

Monday, 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’

Monday, 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

Sunday, 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

Friday, 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

Thursday, 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

Wednesday, April 22nd, 2020

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Airrosti Clinics Tout Telehealth Option / In Clinic Patient Screening

Wednesday, 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

Wednesday, 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

Tuesday, April 21st, 2020

CLICK HERE FOR ARTICLE:

Health Insurance Rates Could Be Weirdly Stable: Actuaries

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COVID-19 Test Site Finder

Tuesday, 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

Monday, 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

Monday, April 20th, 2020

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The Most Outrageous Salesman I Ever Filmed

Sunday, April 19th, 2020

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Saturday, April 18th, 2020

Texas Protest Reflects Spreading Frustration With Coronavirus Closings

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Software Analytics For Health Benefits Risk Analysis

Saturday, 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

Saturday, 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

Saturday, 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

Friday, 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

Friday, 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

Thursday, 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

Wednesday, 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

Tuesday, 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

Tuesday, 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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Tuesday, 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

Tuesday, 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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Tuesday, 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

Saturday, April 11th, 2020

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

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THE MILLIONAIRE PRODUCER

Friday, 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

Friday, 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

Thursday, 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

Wednesday, 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

Tuesday, April 7th, 2020

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

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Texas Cancels Contracts – Cites Flawed RFP Process

Tuesday, April 7th, 2020

Refried Beans – If You Can’t Get It Right The First Time, Try Again

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San Antonio Hospitals Cut Hours, Furlough Workers

Tuesday, April 7th, 2020

San Antonio hospitals cut hours, furlough workers — even in face of coronavirus pandemic

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RiskManagers.us Unveils Self-Administered Chinese Flu Test

Monday, April 6th, 2020

RiskManagers.us announced today the availability of a patent pending, exclusive and proprietary self-administered Chinese Flu test that decreases the burden on providers and extends hospital resources.

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Government Underwrites Special Risk Coverage

Saturday, April 4th, 2020

Special Risk Premium Dollars

Government underwrites Special Risk Cover for uninsured Americans. This Special Risk Coverage is limited to testing and diagnosis of the Chinese Flu………Will Alien Abduction & Kidnapping insurance be next?

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Bill Ebaugh 1930 – 2018

Friday, April 3rd, 2020

William Lee "Bill" Ebaugh Obituary

William Lee “Bill” Ebaugh

It’s been about a year since Bill decided to check out greener pastures. We are positive he is doing well these days………………

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Chinese Flu Pushing Primary Care To Brink of Collapse?

Friday, April 3rd, 2020

Many thousands of Americans rely on independent family physicians, and if we do not act boldly and quickly to save them, we risk eviscerating the heart and soul of healthcare in communities nationwide.

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Ignaz Semmelweis

Friday, April 3rd, 2020

He ended up in a mental institution, where he died at the age of 47. It is believed he died from the thing he had sought to eradicate……………………….

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Why The Outrage Now!

Thursday, April 2nd, 2020

We’ve seen little or no outrage over egregious hospital price gouging in years past. Consumers have remained complacent. Yet now we are seeing outrage over minor things like $60 for a bottle of hand sanitizer, or $39.95 for a pair of face masks. Why the outrage now when there was none before?

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A Reference Based Pricing Vendor With A Difference

Thursday, April 2nd, 2020

            Alex Fairly

No other RBP vendor can replicate our simple, streamlined approach. Welcome to the next generation of RBP……………………

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ER Doctors & Nurses Face Reduced Income

Wednesday, April 1st, 2020

Emergency room doctors and nurses many of whom are dealing with an onslaught of coronavirus patients and shortages of protective equipment — are now finding out that their compensation is getting cut………………….

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Wednesday, April 1st, 2020

RiskMangers.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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Wednesday, April 1st, 2020

Superior Access grants independent agents the ability to work from anywhere…………..

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Please Stop Calling the Chinese Flu For What It Really Is!

Wednesday, April 1st, 2020

CHINESE FLU – Severe Acute Respiratory Syndrome Coronavirus 2 

“From a risk communications perspective, using the name like Chinese Flu can have unintended consequences in terms of creating unnecessary fear for some populations, especially in Asia…….”

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PaydHealth Strategies To Tame Specialty Drug Cost

Wednesday, April 1st, 2020

Plan requires members to complete the application process,  in good faith, for alternate funding programs…… …

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Chinese Flu Creates Opportunities for TeleMedicine

Tuesday, March 31st, 2020
Telemedicine utilization will explode due to current state of affairs. I believe as consumers begin to get used to telemedicine they will like the convenience and continue to use it after this crisis is resolved. Smart brokers are seizing this new sales opportunity. How are they selling it? By telephone of course.

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Request For Proposals – Third Party Administrator (TPA)

Monday, March 30th, 2020

PCA is publishing RFP 3-215-19 Third Party Administration and Insurance Services, 125 Cafeteria Plans, and Related Items.

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Guide to Combating Medical Debt

Monday, March 30th, 2020

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Doctor Claims 100% Success Against Chinese Flu

Monday, March 30th, 2020

Dr. Vladimir Zelenko has now treated 699 Chinese Flu patients with 100% success using Hydroxychloroquine Sulfate, Zinc and Z-Pak. Dr. Zelenko claims he saw the symptom of shortness of breath resolved within four to six hours after treatment…………………..

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“Free” Cafeteria Plan Administration

Monday, March 30th, 2020

By Molly Mulebriar

Brokers should be cautious yet most don’t seem to be as evidenced by the prolific offer and acceptance of “free” Cafeteria Plan administration services, especially among Texas public school districts.

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5 Minute Coronavirus Test Announced By Abbott

Saturday, March 28th, 2020
The Abbott ID NOW™ COVID-19 test brings rapid testing to the front lines………

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China Boasts of Coronavirus Lung Transplants

Friday, March 27th, 2020

Organ Donor Faces Medical Review Committee

A majority of China’s organ transplants reportedly come from harvesting those of non-consensual “donors”…………….

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Dentistry, Aerosol and COVID-19

Thursday, March 26th, 2020

By Darrell Pruit, DDS

If my suspicion is correct – that aerosol driven from the mouths of patients by dentists’ high speed handpieces can carry the COVID-19 virus – we could be witnessing an alarming increase in dental office closures due to occupational illnesses in the weeks following Easter Sunday services, or even an official “all clear” signal much later.

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Buyback Deductible

Thursday, March 26th, 2020

“A buyback deductible, also called a deductible buyback, can be an add-on to an existing insurance contract or may be purchased separately.” For example, it can be a method to buy down a high deductible health plan specific to certain specified conditions.

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Former Harlingen Car Salesman Turned Insurance Industry Legend

Thursday, March 26th, 2020

He entered the insurance industry in 1964 when he was lured away from selling cars in Harlingen, TX……

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School District Improves Benefits & Reduces Costs 50%

Tuesday, March 24th, 2020

School district cuts healthcare spending in half while reducing employee cost-sharing by $1,000. More evidence size doesn’t matter, smart risk management does…………….

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Virtual Primary Care – Useful Access To Care in Today’s Pandemic

Monday, March 23rd, 2020

Getting quality care just got a whole lot easier

Forget what you know about traditional primary care: the inconvenient scheduling, long wait times and increasing expenses. 98point6 is pioneering a new approach to primary care, using technology to bring affordable, on-demand access to everyone—because we think that’s the way it should be.

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Healthcare’s Looming Financial Implosion

Saturday, March 21st, 2020

America needs to establish a Hospital System Super Fund immediately of $300 billion-$600 billion……….

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BCBS Seeks To Cultivate Relationships With Brokers Assigned To TRS ActiveCare Accounts?

Saturday, March 21st, 2020

Sun Tzu

Could having a local representative on the ground disguised as a punching bag, gauging and influencing perception and needs among members be the motivation?

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PBM Sends RiskManagers An Unsolicited Kickback

Friday, March 20th, 2020

As a fee based insurance consultancy, you can imagine our surprise when we opened a letter sent to us in February 2020 from a PBM and found an unsolicited commission check made payable to RiskManagers.

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Austin, Texas Company Announces Home Chinese Flu Test

Thursday, March 19th, 2020

The First U.S. Company Has Announced an Upcoming Home COVID-19 Test

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Health Insurance Primer For Idiots

Tuesday, March 17th, 2020

Health Insurance 101

Chapter 1 Correlation Between Provider Reimbursement & Rate Setting

Chapter 1 Takeaway: GREEN IS GOOD, RED IS BAD

By Molly Mulebriar

Provider reimbursement difference between a traditional Managed Care plan (PPO) and a Reference Based Pricing plan is illustrated in the graph above.

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