Grandma‘s Recipe

When you were growing up do you remember a favorite dish, meal or dessert that your grandma used to make? I sure do. Those bakery cookies were so good, or the blueberry pancakes, or the sauce on a particular dish. Grandma had it down to perfection, and when I always went to my Grandparents house…

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3 Reasons Why Healthcare Costs Are Going Up Next Year

While you might have seen your healthcare costs or claim costs go down in the latter part of 2020 and early in 2021, I don’t suspect that we will be in such a fortunate spot in 2022. Here’s why: The reduced healthcare spend during the pandemic was largely attributable to the postponement of both elective…

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Success is not owned, it’s rented

And the rent is due every day! When we feel we have accomplished or achieved success with anything in our life – business or personal – it can give us a sense that we can move on to something else, and perhaps we can. But to achieve success – large or small – requires our…

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6 Strategies You Should Consider For Your Next Renewal

Health insurance renewals are certainly not the time of year that any employers look forward to. Premium increases cause heartburn and angst amongst employees because they know their deductibles are going to increase and/or their insurance contributions out of their paycheck. Open enrollment meetings, communications, and possible changes to plan design are all challenges for…

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Health Insurance Needs To Come Out Of The Box

We always hear about “Out Of The Box” (OOTB) thinking that brings new ideas and innovation that brings change to many ways of life that we have traditionally become accustomed to. Methods become obsolete or outdated, inefficient and ineffective, unproductive, or become financially noncompetitive. The same holds true with health insurance. Today’s model with insurance…

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9 Questions To Ask Your Insurance Broker Or Consultant

Probably at one time or another you have sought out insurance brokers or consultants. Whether it be from a referral, or a broker/consultant that has called on you, or from a proposal given to you, or a Requests For Proposals (RFP), you’ve probably asked a lot of questions. And while I’m sure many of them…

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Your Health Plan – Do You Rent Or Own?

We all know the differences between renting and owning our homes and the benefits associated with each. While your bills might be similar – mortgage payments versus rent payments, utilities, insurance. etc., the obvious benefit of ownership is control. Control over everything associated with the home. Depending upon what decisions you make with your health…

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Have you seen this New York Times article?

If you haven’t read this New York Time article – you should! Hospitals and Insurers Didn’t Want You To See These Prices. Here’s Why. By Sarah Kliff and Josh Katz August 22,2021 https://www.nytimes.com/interactive/2021/08/22/upshot/hospital-prices.html “This year, the federal government ordered hospitals to begin publishing a prized secret: a complete list of the prices they negotiate with…

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Be Proactive – Not Reactive!

The motto of the Boy Scouts is Be Prepared. When I was in school I joined the Boy Scouts with lots of my friends. We had a great time learning various skills and earning merit badges. Camping, hiking, swimming, canoeing – we had a blast doing everything outdoors that we possibly could. Through those years…

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