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I've been in the insurance business for a long time. For any business owner that provides Health insurance coverage to their employees they easily indentify with their largest expense other than payroll. The Health Insurance industry has been turned upside down on how to price and manage the smaller groups. ( Case size is 50-1000 employees ). For sure we have health care reform coming in some form. Many small business owners have already established a Plan A and Plan B to make sure they are prepared to deal with new laws requiring most small business owners to provide health care for their employees. Clearly there are a lot of business plans on hold right now to see what happens in November.

In my agency I have eight employees. These are quality employees that has taken me a number of years to build and put together. In my 31 year career I've never interviewed a potential employee that did'nt bring up the subject of benefits as a key point of being interested in your job offer. In the early days I interveiwed many quality applicants that needed health insurance for themselves and their family. Fortunatley I can now afford these benefits for my " Dream Team " as I call them. The job of keeping my plan affordable has never came easy and I know from history their will be challenges to keep this benefit for my team. I always work with a back up business plan if needed. My case and point...what's going to happen in 2013 with Health Insurance?

Typically what I've had to do as an employer and worksite specialist is help my employees and my customers manage their health care cost. Most small business owners have been forced to make changes in deductibles and co-insurance and eliminate coverage's such as prescription and wellness benefits. Many of these employees don't have the resouces to keep up with the rising cost of deductibles and co-pays. Due to this fact, a recent study stated that 43% reported that they postponded going to the doctor because they couldn't afford it. Futhermore a recent Harvard Study found that 92% of the medically bankrupt, high medical bills directly contributed to their bankruptcy. Simply the havoc has taken it's toll on employee's and small business owners.Brokers, Consultants, do little to offer solutions.

As we have discussed, GAPS's in health insurance have caused medical circumstances get out of control and in many cases have caused financial problems for the employee and their families. The higher deductibles and co-insurance payments have left the employee to pay more out of pocket and some families are not prepared to pay these expenses. Also loss of work ( time out for sickness ) and focus become issues in the workplace.

Thank the Lord GAP is here: These expenses can be covered through the purchase of GAP Insurance. Most GAP policies will be offered through your supplemental insurance carrier. This product which can help alleviate the cost associated with major medical, co-pays and deductibles. Most policies can be customized to work with your current health plan. GAP  can cover the employee, your spouse and your children. Flexibility can offer afforable plan designs, reduce out of pocket expenses when hospital confined, out patient benefits, and physicians office visits. A great policy and benefit that has brought some calm back to some very unhappy heath groups. Finally something that shows win, win for everyone.

Every employer should educate themselves on the value of how this product could help you keep your plans manageable. Broker and Consultants we know you have your plate full. Put us to work and let us help you with your renewals and upset customers. We do our enrollments, all service work, and renewals. Call us at 888-406-0004 for immediate help.

Another very interesting note for everyone...The GAP rates we started with four years ago are the that's not going to be a problem for your Group Health renewal. Visit my website at or email me at
Posted 11:25 AM

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