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Ancillary News Updates

Delta Dental 8 16

Delta Dental - No more waiting! No More Waiting Periods for Employer-Paid Groups! Our Small Business program is better than ever for employer-paid groups. Starting January 1st, the six-month waiting period for major services benefits for groups with fewer than 25 enrolled is history. That includes  orthodontics, too (if covered).

PDF icon2SM Click here to download the full pdf document

Solstice Benefits 2013

Solstice has created a NEW Broker Bonus program just for you. Just announced YOUR BIGGEST BONUSCONTINUES!  The ‘Premium Payout’ Broker Bonus, our most competitive bonus yet! A one-time bonus on top of regular commissions! Get a one-time bonus equal to one month’s billed premium! 

PDF icon2SM Click here to download the full pdf document

MetLife Logo 2010SM

MetLife $5K Challenge -  Now, when you deliver the power of bundled solutions to your small business clients and finish the year strong, you can qualify for the MetLife Small Business $5k Challenge.

PDF icon2SM Click here to download the full pdf document

standard insurance logo

Great news and FINALLY approved in NY - VOLUNTARY Coverage (Hospital Indemnity Not approved yet in NY).  Next time there is a need for Voluntary coverage for your clients in NY please consider The Standard Insurance Company as an option.  Below, please find attached for your review:

Delta Dental 8 16

Delta Dental of New Jersey  and Connecticut Broker Bonus Program - October 1, 2017 through February 1, 2018 Combining our fully insured Delta Dental PPOSM type plans with a Broker Bonus gives you another reason to SMILE!

PDF icon2SM Click here to download the full pdf document

principal financial logo2016

3 key client conversation starters to use now - Time for a client check-up - It’s the perfect time for a mid-year check-up with your clients … before things heat up for enrollment. Here are some key conversations you can have now. Life changes, Life insurance, Beneficiary Updates, Periodic Benefit Increase etc.

PDF icon2SM Click here to download the full pdf document

principal financial logo2016

Principal is going to be rolling out an on-line enrollment tool for groups of 5+ for 9/1 effective dates that can be set up in less than 24 hours and they will waive the minimum participation on voluntary down to state filed minimums.  Note that it is pending approval for use in NY. Enrolling in employee benefits can be easy – and personalized for employees. The Principal online  enrollment tool makes it quick and simple for your clients’ employees to enroll in benefits online. As a result of a quick diagnostic questionnaire early in the process, the tool customizes the enrollment
experience for each employee.

PDF icon2SM Click here to download the full pdf document

EmpireBCBS2013 isolatedMED

Empire BCBS New ID Cards for Members - Your health plan member ID card is changing. Use your new card to avoid issues with health care coverage.  You’ll be getting a new ID card from Empire BlueCross BlueShield for your health plan soon. Make sure to use your new ID card beginning September 1, 2017 to let doctors, pharmacists, and other health care professionals know your plan details.

 

Solstice Benefits 2013
Solstice Spring Fling Bonus Flyer - now through October. -  Effective NOW through October 1, 2017, sell any case of any size, with as many lines of coverage and you’ll receive a one-time bonus equal to one month’s billed premium on top of regular commissions! 

PDF icon2SM  Click here to download the full pdf document

principal financial logo2016
 
 
Dental made EASY! Ready to give your dental sales a jump-start? We make it simple – and cost-effective – for clients to make the switch.
Find out how:
 
 

MetLife Logo 2010

 

Simply Smart Bundle MetLaw - Starting April 1st, MetLaw will be available for Add Coverage to existing groups AND available to any NEW Dental and Vision packaged sales! We can add MetLaw coverage to existing Dental customers 50-99 lives (Vision is not required to add, but we can always provide rates for Voluntary Vision). For inforce groups with Dental 10-49 lives, Vision is required to add MetLaw. Best of all, NO participation requirements!!  $24/month per member.

PDF-icon2SM Click here to download the full pdf document

Healthplex logo-2016
 
HealthPlex - Maximize your commissions with higher commissions
Maximize Your Earnings! Healthplex values our relationships with the Selling Agent community, and knows that working together brings success.  Selling Agents who place business with Healthplex can see their earnings grow by receiving a 10% commission on all premiums paid*.
 
 
You’ll be in control every step of the way and able to help grow and manage your business with our streamlined tools and support. On top of that, your hard work will be rewarded.
 
AXA Employee Benefits
 
AXA Employee Benefits

Delta Dental 8-16

Delta Dental of New Jersey Now Offering Dental Plans for Employers with 2-99 Employees
Delta Dental of New Jersey (DDNJ) now offers attractive dental benefits products for groups with 2-99 members in New Jersey. The products are sold exclusively through General Agents and their brokers. “We’re excited to partner with General Agents and brokers to make Delta Dental benefits available to this very important group of employers,” says Carin Hep, DDNJ Small Market Director.

 

PDF-icon2SM Click here to download the full pdf document

ArmadaCare MASTER logo 3-14

While the Ultimate Health policy requires that members file a claim within 90 days after the covered expense has been incurred, it also recognizes this isn’t always possible. As a courtesy to members, claims are accepted up until 90 days after the Ultimate Health plan year ends.
 
Example:
Date of service for claim: 7/1/16
Ultimate Health plan year: 1/1/2016 to 12/31/2016                                                                                        
Last day to file claims: 3/31/2017
 
Please encourage members to gather claims incurred in the 2016 plan year and file them now. If their Ultimate Health plan year started on 1/1, their claims will not be accepted unless they are filed by 3/31/2017.
 
To ensure Ultimate Health clients and members are familiar with the claim filing deadline, we will be sending them a similar communication in the next few days. If you have any questions, please contact 1-877-805-1836 or service@armadacare.com.
Unum logo

Unum has released a new White Paper for the broker and employer audience, regarding the need for supplemental disability insurance coverage in the U.S.  Please feel free to share this document with Plan Administrators, in your upcoming stewardship meetings. Click below to download the full White Paper.
 
Two interesting statistics referenced in the Unum White Paper highlight how Americans are at risk in the event of a disability:
•    40% of Americans earning $100,000+ annually say they live paycheck to paycheck 1
•    25% of U.S. workers aged 20-50 are expected to become disabled before age 67 2

While long term disability (LTD) is an excellent foundation for income protection, benefit maximums, uncovered compensation, and taxable LTD benefits may leave higher income earners underinsured. For instance, 78% of employers say that their long term disability (LTD) plans don’t include coverage for bonuses or commissions.3

Unum’s Supplemental IDI coverage layered on group LTD can better protect the lifestyle that these employees have grown accustomed to, and greatly improves their chance of maintaining their financial goals.  
The shift in distribution channels to the employee benefit broker, Unum’s IDI guarantee issue program, advances in IDI enrollment technology and administration, and Employers’ focus on Financial Wellness initiatives have helped IDI become a mainstream employee benefit.  The opportunity is to tremendous!

In order to provide a proposal we simply need a copy of the existing LTD program with an updated census.  Please remember, Unum’s Supplemental IDI solution can be offered on a voluntary or employer paid basis, and with any carrier’s underlying Group LTD.
 
1 Lending Tree, “Survey: 44% of $100-149k Earners Live Paycheck to Paycheck” (Aug. 4,2015).
2 Social Security Administration, “Disability and Death Probability Tables for Insured Workers Born in 1994” (Dec. 2015).
3 SHRM, “2013 Employer Perspectives on Disability Benefits” (2013).

PDF-icon2SM Click here to download the full pdf document

Healthplex logo-2016


HealthPlex Selling Agent Broker Bonus

HealthPlex has just released their 1Q 2017 Selling agent bonus.  It is desicned to help you meet the diverse needs of your clients while recognizing the relationships that you build with them by offering increased compensation.

PDF-icon2SM Click here to download the full pdf document

principal financial logo2016
 
Principal - Simple strategies to balance benefit costs.  It’s safe to say expenses are an everyday focus for business owners – big and small. And when budgets need a little fine-tuning, benefit costs may rise to the top. You can help. Recommend these budget-stretching ideas to offset increasing expenses. They can help employers get their money’s worth, while still offering benefits employees are looking for.
 

UHC Oxford 2015

OBM January Renewal Update -  The 1/1/17 OBM renewals were sent out.  These renewals were calculated incorrectly causing a rather large, in many cases, increase.   The issue is being corrected and updated renewals are going to be sent out next week. An official communiation will come directly from OBM. Please call FNA if you have any questions.

 

UHC Oxford 2015

New Benefit Added to Oxford Benefit Management Plans  Beginning with January 1, 2017 Renewals

UHC is pleased to announce that, upon renewal in 2017, that they will automatically include a $25,000 employee basic life insurance benefit to all Oxford Benefit Management (OBM)1 plan designs. This will apply to all new and renewing groups in New York, New Jersey and Connecticut, beginning with January 1, 2017 effective dates. Click below for full details.
 
principal financial logo2016
 
With so much keeping you busy in this busy season, Principal has sent over some quick highlights of what’s new at Principal:

1.      Your employers can now give employees the ability to choose what coverage they need and can afford with our new Voluntary Incremental Disability Programs.  
2.      The 2017 Pediatric Dental EHB is filed, approved and certified in New Jersey.  Updated flier below.
3.      Our Managed Care Vision Members have a $40 Special Frame Allowance on Calvin Klein and Cole Haan frames when visiting a VSP provider from 11/1/16-3/31/17.
4.      Effective 11/1/16 our Network has grown by approximately 10,000 providers from a new Leased Network Arrangement.  Locally this is a 14% average increase!!
5.      We’re Setting Records – in October Specialty Benefits reached $2 billion in inforce Premium!!

Please reach out to your FNA Producer or our Ancillary Department fo additional information you’d like on the above and thank you for the business you trust Principal with!!
 

Healthplex logo-2016


More Reasons To Smile With Healthplex! We have exicting news to share! Healthplex is pleased to announce our new National Participating Provider Organization (PPO) with over 260,000
nationwide access points, providing members the care and access they deserve! This extensive new network offers unmatched flexibility and the ability to customize coverage levels - keeping members and their families healthy and smiling. In addition with the New Managed Care Select Plans, there are even more reasons to smile! Click the full document for marketing materials for these new plans.

PDF-icon2SM Click here to download the full pdf document

Healthplex logo-2016

Now HealthPlex has more ways to earn!  They have just released their 2017 Broker Compensation plan that is offering increased compensation and a 2017 first quarter bonus.
 
principal financial logo2016
 
We offer powerful tools to help you position yourself as an expert. You can:
•    Benchmark clients' benefits
•    Review a range of benefit designs
•    Structure benefit packages based on budget
•    Educate employers
•    And more!