About Jenna

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So far Jenna has created 26 blog entries.

Workers Compensation

Help business owners protect their most valuable asset- their people. As you are visiting small business owners for open enrollment, it is a great opportunity to make sure they are fully covered in all aspects of their business. Consider asking how their workers compensation plan is working for them. Offering solutions in workers compensation and reminding them that you can come up with custom solutions for their coverage will help ensure they are protected. Running a business can come with many important decisions to make. Help make getting workers compensation insurance an easy one. Workers Compensation works on two levels: To protect employees... Medical expense benefits Lost wages benefits Over 2,000 workers compensation claim professionals to simplify the claims process 500+ in-house nurses and medical professionals to ensure a timely return and smooth transition back to work when medically appropriate To protect business… May limit a business owner's liability if sued by an injured employee Safety resources and expertise available to reduce workplace accidents Investigative team for claims Sales Approach: Why should you write worker's compensation for your small business clients?  All business owners know that they need workers compensation when [...]

2018-10-30T14:21:52-05:00Property & Casualty|
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National General’s Self-Funded Plans

Health benefit programs designed for small to medium sized business. A realistic approach to employee health benefits: Now, you can help business owners gain control of their health care expenses while providing quality benefits to their employees. By combining the cost savings of self-funding with the stability of more traditional plans, the National General Self-Funded Program gives them the simplicity and cost savings that they are looking for without the hassle of administering the program themselves. A national leader in the self-funded space, National General is able to provide business owners with: • Group market expertise • Immediate access to support • Quick resolution of issues • Hands-on help at time of reissue Self funding used to be a concept only available to large employers. Not anymore. Business owners enjoy the advantages of self funding without taking on added risk. It’s an easy way for your clients to lower their costs while providing quality health care benefits to their employees. Key Advantages of Self-Funded Programs: One predictable monthly payment- determined upfront and guaranteed not to increase for a full year as long as there are no changes [...]

2018-10-18T19:50:16-05:00Marketing & Sales Ideas, Medical|
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Help MIBS Help You During this Busy Season

It is almost open enrollment and we are all preparing for this busy season. During this very busy time, please be aware that your MIBS Customer Service Representatives (CSRs) each work with hundreds of agents and can receive many requests per day, via emails, voice messages, faxes and mail.  With each communication, the CSR has to listen, read, identify, research and analyze data to respond to you with accurate and complete information. This is when being clear communicators can make a huge difference. When you ask a question and provide all information in the first message to a CSR, they can come back to you with an answer quickly. In order to get an accurate and timely response from your CSR, follow these suggestions:  Email Subject line includes name of insured/member (if employee, group name) and account number Information in subject line should be directly related to the content of the email Example: If the email is a follow up from a prior email, reply to the original email so it is all in the same place Information in Email The email itself should include details of request including [...]

2018-10-18T19:48:26-05:00MIBS Updates|
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Travelers: Tips for Cross Selling

One Household. More Policies. Lots of Wins. When you sell more policies per household, everyone can benefit. You may see an increase in customer loyalty, agency efficiency and revenue. And, it will be easier for your customers with one bill to pay, one contact point for all their claims and one website to manage their Travelers policies. Why cross sell? Increase Customer Loyalty Increase Agency Efficiency 87% of new business cancellations are monoline. More policies per household saves time that would have been spent to capture lost policies. Increase Revenue and Profitability Profits can increase more than 25% by increasing customer retention by as little as 5% according to research done by Frederick Reichheld of Bain & Company (the inventor of the net promoter score). Take a Look At Umbrella Policies A Travelers PLUS® umbrella policy can provide extra protection starting at $1,000,000 of additional personal liability coverage.  Umbrella coverage can include court costs and attorney fees, and it may protect you against various liability hazards not typically covered under home and auto policies. It may also extend protection for other personal liability losses, including: libel slander defamation [...]

2018-10-18T19:47:50-05:00Marketing & Sales Ideas, Property & Casualty|
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Group Special Enrollment For 1/1/2019 Effective Date

Group Special Enrollment This is the period when groups who do not meet employer contribution or employee participation requirements can enroll in a group plan. Group submission paperwork can be submitted to MIBS starting Thursday November 1, 2018. The last date for submission to MIBS is 12p.m. on Friday December, 14, 2018. Note- Later submissions (those closer to December 14) need to be complete without any missing information or they will not make the deadline. Group must still be a business eligible for group coverage Only available for the small group market (1-50) Employer does not need to pay any portion of the employee premium Employee participation requirement is waived Perfect for that group that is still on Individual policies Group premiums are usually lower and offer richer benefits than comparable individual plans Businesses on individual policies can have access to a large PPO network with a group plan All carriers must participate with the group SEP Sales Ideas Collect all the names of groups that you have quoted but who did not purchase a group plan Contact them again in October to see if they would be [...]

2018-10-18T19:47:12-05:00Marketing & Sales Ideas, Medical, MIBS Updates|
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Don’t Lose Your Commissions! 2019 Certification Reminder

2019 Certification Reminder Don't Lose Your Commissions! It’s that time of year again when you need to complete your annual certifications. There are two certifications for Health agents: 2019 FFM (Federally Facilitated Marketplace) registration and/or certification must be done by: Independent agent If commissions are paid to an agency, writing sub-agents and principal of agency 2019 Medicare PDP/Medicare Advantage certification must be done by: Independent agent If commissions are paid to an agency, writing sub-agents and principal of agency In order to place new business effective 1/1/2019 and/or receive renewal commissions in 2019, agents must complete the appropriate certification before the end of the year. *Additional Reminder* 2019 BCBS Special Enrollment Period Training must be done by: Writing agent This training will be available early 2019 and is done annually 2019 FFM (Federally Facilitated Marketplace) Certification Before starting any certification curriculum, check to make sure your computer is compatible with the MLMS website.   I advise using the MLMS Check Your System configuration link which quickly shows if you need to do anything.  Log into the CMS portal, enter the MLMS Training website and click on MLMS Check your System link at [...]

2018-10-18T19:45:39-05:00MIBS Updates|
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